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end

</PDF>PARK PLACE SECURITIES, INC.

                                    Depositor

                           HOMEQ SERVICING CORPORATION

                                 Master Servicer

                                       and

                             WELLS FARGO BANK, N.A.

                                     Trustee

                    ----------------------------------------

                         POOLING AND SERVICING AGREEMENT
                          Dated as of September 1, 2004

                    ----------------------------------------

                     Asset-Backed Pass-Through Certificates

                                Series 2004-WHQ1

<PAGE>

<TABLE>
<CAPTION>
                                             TABLE OF CONTENTS

SECTION                                                                                            PAGE
-------                                                                                            ----
<S>                                                                                                <C>
ARTICLE I DEFINITIONS                                                                                 6

   SECTION 1.01.   Defined Terms......................................................................6
   SECTION 1.02.   Allocation of Certain Interest Shortfalls.........................................59
   SECTION 1.03.   Rights of the Certificate Insurer and the NIMS Insurer............................60

ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES                           62

   SECTION 2.01.   Conveyance of Mortgage Loans......................................................62
   SECTION 2.02.   Acceptance of REMIC I by the Trustee..............................................64
   SECTION 2.03.   Repurchase or Substitution of Mortgage Loans by the Seller or the Depositor;
                   Payment of Prepayment Charge Payment Amounts......................................66
   SECTION 2.04.   [Reserved]........................................................................68
   SECTION 2.05.   Representations, Warranties and Covenants of the Master Servicer..................68
   SECTION 2.06.   Issuance of the REMIC I Regular Interests and the Class R-I Interest..............71
   SECTION 2.07.   Conveyance of the REMIC I Regular Interests; Acceptance of REMIC II, REMIC III
                   and REMIC IV by the Trustee.......................................................71
   SECTION 2.08.   Issuance of Class R Certificates and Class R-X Certificates.......................72

ARTICLE III ADMINISTRATION AND SERVICING OF THE MORTGAGE LOANS                                       73

   SECTION 3.01.   Master Servicer to Act as Master Servicer.........................................73
   SECTION 3.02.   Collection of Certain Mortgage Loan Payments......................................75
   SECTION 3.03.   [Reserved]........................................................................76
   SECTION 3.04.   Collection Account, Escrow Account and Distribution Account.......................76
   SECTION 3.05.   Permitted Withdrawals From the Collection Account, Escrow Account and
                   Distribution Account..............................................................80
   SECTION 3.06.   Investment of Funds in the Collection Account, the Escrow Account, the
                   REO Account and the Distribution Account..........................................83
   SECTION 3.07.   Payment of Taxes, Insurance and Other Charges.....................................84
   SECTION 3.08.   Maintenance of Hazard Insurance...................................................85
   SECTION 3.09.   Maintenance of Mortgage Blanket Insurance.........................................85
   SECTION 3.10.   Fidelity Bond; Errors and Omissions Insurance.....................................86
   SECTION 3.11.   Enforcement of Due-On-Sale Clauses; Assumption Agreements.........................86
   SECTION 3.12.   Realization Upon Defaulted Mortgage Loans.........................................87
   SECTION 3.13.   Title, Management and Disposition of REO Property.................................89
   SECTION 3.14.   [Reserved]........................................................................92
   SECTION 3.15.   Reports of Foreclosure and Abandonment of Mortgaged Properties....................92
   SECTION 3.16.   Optional Purchase of Defaulted Mortgage Loans.....................................93
   SECTION 3.17.   Trustee to Cooperate; Release of Mortgage Files...................................94
   SECTION 3.18.   Servicing Compensation............................................................95

                                                     i
<PAGE>

   SECTION 3.19.   Statement as to Compliance........................................................95
   SECTION 3.20.   Independent Public Accountants' Servicing Report..................................96
   SECTION 3.21.   Access to Certain Documentation...................................................96
   SECTION 3.22.   [Reserved]........................................................................97
   SECTION 3.23.   Advance Facility..................................................................97

ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS                                                            99

   SECTION 4.01.   Distributions.....................................................................99
   SECTION 4.02.   Statements to Certificateholders.................................................108
   SECTION 4.03.   Remittance Reports and Other Reports to the Trustee; Advances; Payments in
                   Respect of Prepayment Interest Shortfalls........................................112
   SECTION 4.04.   Allocation of Realized Losses....................................................114
   SECTION 4.05.   Compliance with Withholding Requirements.........................................116
   SECTION 4.06.   Commission Reporting.............................................................117
   SECTION 4.07.   [Reserved].......................................................................119
   SECTION 4.08.   [Reserved].......................................................................119
   SECTION 4.09.   [Reserved].......................................................................119
   SECTION 4.10.   Net WAC Rate Carryover Reserve Account...........................................119
   SECTION 4.11.   The Certificate Insurance Policy.................................................120
   SECTION 4.12.   Effect of Payments by the Certificate Insurer; Subrogation.......................122

ARTICLE V THE CERTIFICATES                                                                          124

   SECTION 5.01.   The Certificates.................................................................124
   SECTION 5.02.   Registration of Transfer and Exchange of Certificates............................126
   SECTION 5.03.   Mutilated, Destroyed, Lost or Stolen Certificates................................131
   SECTION 5.04.   Persons Deemed Owners............................................................132
   SECTION 5.05.   Certain Available Information....................................................132
   SECTION 5.06.   Rights of the Certificate Insurer to Exercise Rights of Class A-1
                   Certificateholders...............................................................132
   SECTION 5.07.   Certificate Insurer Default......................................................133

ARTICLE VI THE DEPOSITOR AND THE MASTER SERVICER                                                    134

   SECTION 6.01.   Liability of the Depositor and the Master Servicer...............................134
   SECTION 6.02.   Merger or Consolidation of the Depositor or the Master Servicer..................134
   SECTION 6.03.   Limitation on Liability of the Depositor, the Master Servicer and Others.........134
   SECTION 6.04.   Limitation on Resignation of the Master Servicer.................................135
   SECTION 6.05.   Rights of the Depositor in Respect of the Master Servicer........................136
   SECTION 6.06.   Sub-Servicing Agreements Between the Master Servicer and Sub-Servicers...........137
   SECTION 6.07.   Successor Sub-Servicers..........................................................138
   SECTION 6.08.   Liability of the Master Servicer.................................................138
   SECTION 6.09.   No Contractual Relationship Between Sub-Servicers and the NIMS Insurer, the
                   Certificate Insurer, the Trustee or Certificateholders...........................138

                                                     ii
<PAGE>

   SECTION 6.10.   Assumption or Termination of Sub-Servicing Agreements by Trustee.................139
   SECTION 6.11.   Sub-Servicing Accounts...........................................................139

ARTICLE VII DEFAULT                                                                                 140

   SECTION 7.01.   Master Servicer Events of Default................................................140
   SECTION 7.02.   Trustee to Act; Appointment of Successor.........................................142
   SECTION 7.03.   Notification to Certificateholders...............................................144
   SECTION 7.04.   Waiver of Master Servicer Events of Default......................................144

ARTICLE VIII CONCERNING THE TRUSTEE                                                                 145

   SECTION 8.01.   Duties of Trustee................................................................145
   SECTION 8.02.   Certain Matters Affecting the Trustee............................................146
   SECTION 8.03.   The Trustee Not Liable for Certificates or Mortgage Loans........................147
   SECTION 8.04.   Trustee May Own Certificates.....................................................148
   SECTION 8.05.   Trustee's Fees and Expenses......................................................148
   SECTION 8.06.   Eligibility Requirements for Trustee.............................................149
   SECTION 8.07.   Resignation and Removal of the Trustee...........................................149
   SECTION 8.08.   Successor Trustee................................................................150
   SECTION 8.09.   Merger or Consolidation of Trustee...............................................151
   SECTION 8.10.   Appointment of Co-Trustee or Separate Trustee....................................151
   SECTION 8.11.   Appointment of Custodians........................................................152
   SECTION 8.12.   Appointment of Office or Agency..................................................152
   SECTION 8.13.   Representations and Warranties of the Trustee....................................152

ARTICLE IX TERMINATION                                                                              154

   SECTION 9.01.   Termination Upon Repurchase or Liquidation of All Mortgage Loans.................154
   SECTION 9.02.   Additional Termination Requirements..............................................156

ARTICLE X REMIC PROVISIONS                                                                          158

   SECTION 10.01.  REMIC Administration.............................................................158
   SECTION 10.02.  Prohibited Transactions and Activities...........................................161
   SECTION 10.03.  Master Servicer and Trustee Indemnification......................................161

ARTICLE XI MISCELLANEOUS PROVISIONS                                                                 162

   SECTION 11.01.  Amendment........................................................................162
   SECTION 11.02.  Recordation of Agreement; Counterparts...........................................163
   SECTION 11.03.  Limitation on Rights of Certificateholders.......................................164
   SECTION 11.04.  Governing Law....................................................................164
   SECTION 11.05.  Notices..........................................................................165
   SECTION 11.06.  Severability of Provisions.......................................................165
   SECTION 11.07.  Notice to Rating Agencies, the Certificate Insurer and the NIMS Insurer..........166
   SECTION 11.08.  Article and Section References...................................................167

                                                    iii
<PAGE>

   SECTION 11.09.  Grant of Security Interest.......................................................167
   SECTION 11.10.  Third Party Rights...............................................................167
</TABLE>

                                                    iv
<PAGE>

Exhibits

Exhibit A-1       Form of Class A-1 Certificate
Exhibit A-2       Form of Class A-2 Certificate
Exhibit A-3       Form of Class A-3 Certificate
Exhibit A-4       Form of Class A-4 Certificate
Exhibit A-5       Form of Class A-5 Certificate
Exhibit A-6       Form of Class M-1 Certificate
Exhibit A-7       Form of Class M-2 Certificate
Exhibit A-8       Form of Class M-3 Certificate
Exhibit A-9       Form of Class M-4 Certificate
Exhibit A-10      Form of Class M-5 Certificate
Exhibit A-11      Form of Class M-6 Certificate
Exhibit A-12      Form of Class M-7 Certificate
Exhibit A-13      Form of Class M-8 Certificate
Exhibit A-14      Form of Class M-9 Certificate
Exhibit A-15      Form of Class M-10 Certificate
Exhibit A-16      Form of Class CE Certificate
Exhibit A-17      Form of Class P Certificate
Exhibit A-18      Form of Class R Certificate
Exhibit A-19      Form of Class R-X Certificate
Exhibit B         Form of Lost Note Affidavit
Exhibit C-1       Form of Trustee's Initial Certification
Exhibit C-2       Form of Trustee's Final Certification
Exhibit C-3       Form of Trustee's Receipt of Mortgage Note
Exhibit D         Form of Mortgage Loan Purchase Agreement
Exhibit E         Request for Release
Exhibit F-1       Form of Transferor Representation Letter and Form of
                  Transferee Representation Letter in Connection with Transfer
                  of Class CE and Class P Certificates Pursuant to Rule 144A
                  Under the 1933 Act
Exhibit F-2       Form of Transfer Affidavit and Agreement and Form of
                  Transferor Affidavit in Connection with Transfer of Residual
                  Certificates
Exhibit G         Form of Certification with respect to ERISA and the Code
Exhibit H         Form of Cap Contracts
Exhibit I         [Reserved]
Exhibit J-1       Form of Certification to Be Provided by the Depositor with
                  Form 10-K
Exhibit J-2       Form of Certification to Be Provided to Depositor by the
                  Trustee
Exhibit J-3       Form of Certification to Be Provided to Depositor by the
                  Master Servicer
Exhibit K         Annual Statement of Compliance pursuant to Section 3.19
Schedule 1        Mortgage Loan Schedule
Schedule 2        Prepayment Charge Schedule

                                       v
<PAGE>

      This  Pooling  and  Servicing  Agreement,  is dated  and  effective  as of
September  1, 2004,  among PARK PLACE  SECURITIES,  INC.,  as  Depositor,  HOMEQ
SERVICING  CORPORATION,  as Master  Servicer  and WELLS  FARGO  BANK,  N.A.,  as
Trustee.

                             PRELIMINARY STATEMENT:

      The Depositor intends to sell 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 each REMIC
(as  defined  herein)  created  hereunder.  The  Trust  Fund will  consist  of a
segregated  pool of assets  consisting  of the Mortgage  Loans and certain other
related assets subject to this Agreement.

<PAGE>

                                     REMIC I

      As provided herein, the Trustee will elect to treat the segregated pool of
assets  consisting of the Mortgage Loans and certain other related assets (other
than any Master Servicer  Prepayment  Charge Payment  Amounts,  the Net WAC Rate
Carryover Reserve Account and the Cap Contracts)  subject to this Agreement as a
REMIC for federal income tax purposes,  and such  segregated pool of assets will
be  designated  as "REMIC I." The Class R-I  Interest  will be the sole class of
"residual interests" in REMIC I for purposes of the REMIC Provisions (as defined
herein). The following table irrevocably sets forth the designation, the REMIC I
Remittance Rate, the initial  Uncertificated Balance and, solely for purposes of
satisfying Treasury regulation section 1.860G-1(a)(4)(iii), the "latest possible
maturity  date" for each of the REMIC I Regular  Interests (as defined  herein).
None of the REMIC I Regular Interests will be certificated.

<TABLE>
<CAPTION>
                         REMIC I                 Initial              Latest Possible
   Designation       Remittance Rate     Uncertificated Balance       Maturity Date(1)
   -----------       ---------------     ----------------------       ----------------
<S>                    <C>                 <C>                       <C>
     I-LTAA            Variable(2)         $  979,999,946.82         September 25, 2034
     I-LTA1            Variable(2)         $    5,686,600.00         September 25, 2034
     I-LTA2            Variable(2)         $    1,000,000.00         September 25, 2034
     I-LTA3            Variable(2)         $      667,550.00         September 25, 2034
     I-LTA4            Variable(2)         $      317,450.00         September 25, 2034
     I-LTA5            Variable(2)         $      218,400.00         September 25, 2034
     I-LTM1            Variable(2)         $      385,000.00         September 25, 2034
     I-LTM2            Variable(2)         $      300,000.00         September 25, 2034
     I-LTM3            Variable(2)         $      200,000.00         September 25, 2034
     I-LTM4            Variable(2)         $      175,000.00         September 25, 2034
     I-LTM5            Variable(2)         $      150,000.00         September 25, 2034
     I-LTM6            Variable(2)         $      150,000.00         September 25, 2034
     I-LTM7            Variable(2)         $      125,000.00         September 25, 2034
     I-LTM8            Variable(2)         $      100,000.00         September 25, 2034
     I-LTM9            Variable(2)         $      100,000.00         September 25, 2034
     I-LTM10           Variable(2)         $      100,000.00         September 25, 2034
     I-LTZZ            Variable(2)         $   10,324,998.91         September 25, 2034
      I-LTP            Variable(2)         $          100.00         September 25, 2034
     I-1SUB            Variable(2)         $       30,415.07         September 25, 2034
     I-1GRP            Variable(2)         $      144,147.08         September 25, 2034
     I-2SUB            Variable(2)         $       11,784.92         September 25, 2034
     I-2GRP            Variable(2)         $       55,852.92         September 25, 2034
      I-XX             Variable(2)         $  999,757,745.74         September 25, 2034
</TABLE>

----------------
(1)   Solely  for  purposes  of  Section  1.860G-1(a)(4)(iii)  of  the  Treasury
      regulations, the Distribution Date immediately following the maturity date
      for the Mortgage Loan with the latest maturity date has been designated as
      the "latest possible maturity date" for each REMIC I Regular Interest.
(2)   Calculated in accordance with the definition of "REMIC I Remittance  Rate"
      herein.

                                       2
<PAGE>

                                    REMIC II

      As provided herein, the Trustee will elect to treat the segregated pool of
assets consisting of the REMIC I Regular Interests as a REMIC for federal income
tax purposes,  and such  segregated  pool of assets will be designated as "REMIC
II."  The  Class  R-II  Interest  will  evidence  the sole  class  of  "residual
interests" in REMIC II for purposes of the REMIC Provisions under federal income
tax law.  The  following  table  irrevocably  sets  forth the  designation,  the
Pass-Through  Rate, the initial  aggregate  Certificate  Principal  Balance and,
solely   for    purposes   of    satisfying    Treasury    regulation    section
1.860G-1(a)(4)(iii),  the  "latest  possible  maturity  date" for the  indicated
Classes of Certificates.

<TABLE>
<CAPTION>
                                           Initial Aggregate
                                         Certificate Principal    Latest Possible       Rated Final Maturity
    Designation       Pass-Through Rate         Balance           Maturity Date(1)             Date(5)
    -----------       -----------------  ---------------------    ----------------      --------------------
<S>                    <C>                <C>                    <C>                     <C>
     Class A-1           Variable(2)      $  1,137,320,000.00    September 25, 2034      September 25, 2034
     Class A-2           Variable(2)      $    200,000,000.00    September 25, 2034      September 25, 2034
     Class A-3           Variable(2)      $    133,510,000.00    September 25, 2034      September 25, 2013
     Class A-4           Variable(2)      $     63,490,000.00    September 25, 2034      September 25, 2034
     Class A-5           Variable(2)      $     43,680,000.00    September 25, 2034      September 25, 2034
     Class M-1           Variable(2)      $     77,000,000.00    September 25, 2034      September 25, 2034
     Class M-2           Variable(2)      $     60,000,000.00    September 25, 2034      September 25, 2034
     Class M-3           Variable(2)      $     40,000,000.00    September 25, 2034      September 25, 2034
     Class M-4           Variable(2)      $     35,000,000.00    September 25, 2034      September 25, 2034
     Class M-5           Variable(2)      $     30,000,000.00    September 25, 2034      September 25, 2034
     Class M-6           Variable(2)      $     30,000,000.00    September 25, 2034      September 25, 2034
     Class M-7           Variable(2)      $     25,000,000.00    September 25, 2034      September 25, 2034
     Class M-8           Variable(2)      $     20,000,000.00    September 25, 2034      September 25, 2034
     Class M-9           Variable(2)      $     20,000,000.00    September 25, 2034      September 25, 2034
     Class M-10          Variable(2)      $     20,000,000.00    September 25, 2034      September 25, 2034
 Class CE Interest     Variable(2)(3)     $     64,999,891.46    September 25, 2034      September 25, 2034
  Class P Interest         N/A(4)         $            100.00    September 25, 2034      September 25, 2034
</TABLE>

----------------
(1)   Solely  for  purposes  of  Section  1.860G-1(a)(4)(iii)  of  the  Treasury
      regulations, the Distribution Date immediately following the maturity date
      for the Mortgage Loan with the latest maturity date has been designated as
      the "latest possible maturity date" for each Class of Certificates.
(2)   Calculated  in  accordance  with the  definition  of  "Pass-Through  Rate"
      herein.
(3)   The Class CE Interest  will accrue  interest at its variable  Pass-Through
      Rate on the Notional Amount of the Class CE Interest outstanding from time
      to time  which  shall  equal  the  Uncertificated  Balance  of the REMIC I
      Regular  Interests (other than REMIC I Regular Interest I-LTP).  The Class
      CE Interest will not accrue interest on its Certificate Principal Balance.
(4)   The Class P Interest will not accrue interest.
(5)   As determined by the Rating Agencies.

                                       3
<PAGE>

                                    REMIC III

      As provided herein, the Trustee will elect to treat the segregated pool of
assets  consisting  of the Class CE Interest  as a REMIC for federal  income tax
purposes,  and such segregated pool of assets will be designated as "REMIC III."
The Class R-III Interest will evidence the sole class of "residual interests" in
REMIC III for purposes of the REMIC Provisions under federal income tax law. The
following table irrevocably sets forth the designation,  the Pass-Through  Rate,
the initial aggregate  Certificate Principal Balance and, solely for purposes of
satisfying Treasury regulation section 1.860G-1(a)(4)(iii), the "latest possible
maturity date" for the indicated Classes of Certificates.

<TABLE>
<CAPTION>
                                               Initial Aggregate
                                             Certificate Principal    Latest Possible
      Designation       Pass-Through Rate           Balance           Maturity Date(1)
      -----------       -----------------    ---------------------    ----------------
<S>                        <C>                 <C>                   <C>
   Class CE Interest       Variable(2)         $  64,999,891.46      September 25, 2034
</TABLE>

------------
1)    Solely  for  purposes  of  Section  1.860G-1(a)(4)(iii)  of  the  Treasury
      regulations, the Distribution Date immediately following the maturity date
      for the Mortgage Loan with the latest maturity date has been designated as
      the "latest possible maturity date" for the Class CE Certificates.
(2)   The Class CE Certificates will receive 100% of amounts received in respect
      of the Class CE Interest.

                                       4
<PAGE>

                                    REMIC IV

      As provided herein, the Trustee will elect to treat the segregated pool of
assets  consisting  of the Class P Interest  as a REMIC for  federal  income tax
purposes,  and such  segregated pool of assets will be designated as "REMIC IV."
The Class R-IV Interest will evidence the sole class of "residual  interests" in
REMIC IV for purposes of the REMIC  Provisions under federal income tax law. The
following table irrevocably sets forth the designation,  the Pass-Through  Rate,
the initial aggregate  Certificate Principal Balance and, solely for purposes of
satisfying Treasury regulation section 1.860G-1(a)(4)(iii), the "latest possible
maturity date" for the indicated Classes of Certificates.

<TABLE>
<CAPTION>
                                               Initial Aggregate
                                             Certificate Principal    Latest Possible
      Designation       Pass-Through Rate           Balance           Maturity Date(1)
      -----------       -----------------    ---------------------    ----------------
<S>                         <C>                     <C>              <C>
    Class P Interest        Variable(2)             $100.00          September 25, 2034
</TABLE>

-----------
1)    Solely  for  purposes  of  Section  1.860G-1(a)(4)(iii)  of  the  Treasury
      regulations, the Distribution Date immediately following the maturity date
      for the Mortgage Loan with the latest maturity date has been designated as
      the "latest possible maturity date" for the Class P Certificates.
(2)   The Class P Certificates  will receive 100% of amounts received in respect
      of the Class P Interest.

      As of the  Cut-off  Date,  the Group I  Mortgage  Loans  had an  aggregate
Scheduled Principal Balance equal to $1,441,470,841.07 and the Group II Mortgage
Loans had an aggregate Scheduled Principal Balance equal to $558,529,150.39.

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

                                       5
<PAGE>

                                    ARTICLE I

                                   DEFINITIONS

      SECTION 1.01. Defined Terms.

      Whenever used in this Agreement,  including,  without  limitation,  in the
Preliminary  Statement  hereto,  the  following  words and  phrases,  unless the
context otherwise  requires,  shall have the meanings specified in this Article.
Unless otherwise specified,  all calculations  described herein shall be made on
the  basis  of a  360-day  year  consisting  of  twelve  30-day  months  and all
calculations  on each Regular  Interest  shall be made on the basis of a 360-day
year and the actual number of days in the month.

      "Accrued Certificate Interest":  With respect to any Class of Certificates
(other than the Class P  Certificates  and the Residual  Certificates)  and each
Distribution  Date,  interest accrued during the related Interest Accrual Period
at the Pass-Through  Rate for such Certificate for such Distribution Date on the
Certificate  Principal Balance,  in the case of the Class A Certificates and the
Mezzanine  Certificates,  or on the Notional Amount, in the case of the Class CE
Certificates,  of such Certificate  immediately prior to such Distribution Date.
The Class P  Certificates  are not  entitled  to  distributions  in  respect  of
interest and,  accordingly,  shall not accrue  interest.  All  distributions  of
interest on the Adjustable-Rate Certificates shall be calculated on the basis of
a 360-day year and the actual number of days in the applicable  Interest Accrual
Period.  All  distributions  of interest on the Class CE  Certificates  shall be
based on a 360-day year consisting of twelve 30-day months.  Accrued Certificate
Interest with respect to each  Distribution  Date, as to any Class A Certificate
or  Mezzanine  Certificate,  shall be reduced by an amount  equal to the portion
allocable to such Certificate  pursuant to Section 1.02 hereof of the sum of (a)
the aggregate Prepayment Interest Shortfall,  if any, for such Distribution Date
to the extent not covered by payments  pursuant to Section  4.03(e) or allocated
to the Class CE  Certificates  and (b) the  aggregate  amount of any  Relief Act
Interest  Shortfall,  if any, for such  Distribution  Date not  allocated to the
Class CE Certificates  pursuant to Section 1.02.  Accrued  Certificate  Interest
with respect to each  Distribution  Date and any Class CE  Certificate  shall be
reduced by (a) Prepayment Interest  Shortfalls,  if any, allocated to such Class
of  Certificates  pursuant to Section  1.02  hereof and (b) Relief Act  Interest
Shortfalls,  if any, allocated to such Class of Certificates pursuant to Section
1.02 hereof.

      "Adjustable-Rate Certificates": The Class A Certificates and the Mezzanine
Certificates.

      "Adjustable-Rate  Mortgage Loan": Each of the Mortgage Loans identified on
the  Mortgage  Loan  Schedule  as  having a  Mortgage  Rate that is  subject  to
adjustment.

      "Adjustment Date": With respect to each Adjustable-Rate Mortgage Loan, the
first day of the month in which the Mortgage  Rate of such Mortgage Loan changes
pursuant to the related  Mortgage Note. The first  Adjustment Date following the
Cut-off  Date as to each  Adjustable-Rate  Mortgage  Loan  is set  forth  in the
Mortgage Loan Schedule.

                                       6
<PAGE>

      "Advance":  As to any Mortgage Loan or REO  Property,  any advance made by
the  Master  Servicer  or  a  successor   Master  Servicer  in  respect  of  any
Distribution  Date  representing  the aggregate of all payments of principal and
interest,  net of the Servicing Fee, that were due during the related Due Period
on the  Mortgage  Loans and that were  delinquent  on the related  Determination
Date,  plus certain  amounts  representing  assumed  payments not covered by any
current net income on the Mortgaged  Properties  acquired by foreclosure or deed
in lieu of foreclosure as determined pursuant to Section 4.03.

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

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

      "Allocated  Realized Loss Amount":  With respect to any Distribution  Date
and any Class of  Mezzanine  Certificates,  the sum of (i) any  Realized  Losses
allocated to such Class of Certificates on such  Distribution  Date and (ii) the
amount of any  Allocated  Realized  Loss  Amount for such Class of  Certificates
remaining  unpaid from the previous  Distribution  Date, minus the amount of the
increase  in the  related  Certificate  Principal  Balance due to the receipt of
Subsequent Recoveries as provided in Section 4.01.

      "Applicable Regulations":  As to any Mortgage Loan, all federal, state and
local laws, statutes, rules and regulations applicable thereto.

      "Assignment":  An assignment of Mortgage, notice of transfer or equivalent
instrument, in recordable form (excepting therefrom if applicable,  the mortgage
recordation information which has not been returned by the applicable recorder's
office and/or the assignee's  name),  which is sufficient  under the laws of the
jurisdiction  wherein  the related  Mortgaged  Property is located to reflect of
record the sale of the Mortgage.

      "Available Funds":  With respect to any Distribution Date, an amount equal
to (1) the sum of (a) the aggregate of the amounts on deposit in the  Collection
Account  and  Distribution  Account as of the close of  business  on the related
Determination Date,  including any Subsequent  Recoveries,  (b) the aggregate of
any  amounts  received  in respect  of an REO  Property  withdrawn  from any REO
Account and deposited in the  Distribution  Account for such  Distribution  Date
pursuant to Section 3.13, (c) Compensating  Interest,  if any,  deposited in the
Distribution  Account by the Master Servicer for such Distribution Date pursuant
to  Section  4.03(e),  (d) the  aggregate  of any  Advances  made by the  Master
Servicer  for  such  Distribution  Date  pursuant  to  Section  4.03 and (e) the
aggregate of any Advances made by the successor  Master  Servicer or the Trustee
for such  Distribution  Date pursuant to Section  7.02(b),  reduced (to not less
than  zero) by (2) the sum of the  portion  of the  amount  described  in clause
(1)(a) above that represents (i) Monthly Payments on the Mortgage Loans received
from a Mortgagor  on or prior to the  Determination  Date but due during any Due
Period subsequent to the related

                                       7
<PAGE>

Due Period, (ii) Principal  Prepayments on the Mortgage Loans received after the
related  Prepayment  Period (together with any interest  payments  received with
such Principal  Prepayments to the extent they represent the payment of interest
accrued on the Mortgage Loans during a period subsequent to the end of the prior
calendar month), (iii) Liquidation  Proceeds,  Insurance Proceeds and Subsequent
Recoveries  received  in  respect  of  the  Mortgage  Loans  after  the  related
Prepayment Period,  (iv) amounts  reimbursable or payable to the Depositor,  the
Master Servicer, the Trustee, the Seller or any Sub-Servicer pursuant to Section
3.05,  Section  3.06  or  Section  7.01  or  otherwise  payable  in  respect  of
Extraordinary  Trust Fund  Expenses,  (v) the  Custodian  Fee  payable  from the
Distribution  Account  pursuant to Section 8.05,  (vi) amounts  deposited in the
Collection Account or the Distribution  Account in error and (vii) the amount of
any Prepayment  Charges  collected by the Master  Servicer and the amount of any
Master Servicer Prepayment Charge Payment Amounts.

      "Avoided  Payment":  As such term is defined in the Certificate  Insurance
Policy.

      "Bankruptcy  Code":  The  Bankruptcy  Reform Act of 1978  (Title 11 of the
United States Code), as amended.

      "Bankruptcy  Loss":  With  respect to any Mortgage  Loan, a Realized  Loss
resulting from a Deficient Valuation or Debt Service Reduction.

      "Book-Entry  Certificate":  Any Certificate  registered in the name of the
Depository or its nominee.  Initially,  the Book-Entry Certificates shall be the
Class A Certificates and the Mezzanine Certificates.

      "Book-Entry Custodian": The custodian appointed pursuant to Section 5.01.

      "Business Day": Any day other than a Saturday,  a Sunday or a day on which
banking or savings and loan  institutions in the State of California,  the State
of New York,  the  State of New  Jersey,  the State of Texas,  or in any city in
which the Corporate  Trust Office of the Trustee is located,  are  authorized or
obligated by law or executive order to be closed.

      "Cap Amount":  For each Class of Adjustable-Rate  Certificates,  an amount
equal to (i) the  aggregate  amount  received by the Trust Fund from the related
Cap  Contract,  multiplied  by (ii) a  fraction  equal  to (a)  the  Certificate
Principal Balance of such Class immediately prior to the applicable Distribution
Date divided by (b) the  aggregate  Certificate  Principal  Balance  immediately
prior to the  applicable  Distribution  Date of all  Classes of  Adjustable-Rate
Certificates, directly benefitting from such Cap Contract.

      "Cap Contract  Excess":  With respect to any Cap Contract and Distribution
Date, the excess, if any, of the then applicable  maximum rate set forth in such
Cap  Contract  over  the  then  applicable  strike  rate  set  forth in such Cap
Contract.

      "Cap  Contracts":  The interest rate  corridors  between Wells Fargo Bank,
N.A.,  as  Trustee,  and the  counterparty  thereunder,  for the  benefit of the
Holders  of (i) the Class  A-1  Certificates,  (ii) the  Group II  Certificates,
collectively and (iii) the Mezzanine Certificates,  collectively, forms of which
are attached hereto as Exhibit H.

                                       8
<PAGE>

      "Certificate":  Any  one  of  the  Depositor's  Asset-Backed  Pass-Through
Certificates,  Series  2004-WHQ1,  Class A-1,  Class A-2,  Class A-3, Class A-4,
Class A-5,  Class M-1,  Class M-2,  Class M-3,  Class M-4, Class M-5, Class M-6,
Class M-7,  Class M-8,  Class M-9,  Class M-10,  Class CE,  Class P, Class R and
Class R-X, issued under this Agreement.

      "Certificate Factor": With respect to any Class of Regular Certificates as
of any  Distribution  Date, a fraction,  expressed  as a decimal  carried to six
places,  the numerator of which is the aggregate  Certificate  Principal Balance
(or the Notional Amount, in the case of the Class CE Certificates) of such Class
of  Certificates  on  such   Distribution  Date  (after  giving  effect  to  any
distributions  of principal and  allocations of Realized  Losses in reduction of
the Certificate  Principal  Balance (or the Notional Amount,  in the case of the
Class  CE  Certificates)  of  such  Class  of  Certificates  to be  made on such
Distribution  Date),  and the  denominator  of  which is the  initial  aggregate
Certificate  Principal Balance (or the Notional Amount, in the case of the Class
CE Certificates) of such Class of Certificates as of the Closing Date.

      "Certificateholder" or "Holder": The Person in whose name a Certificate is
registered in the Certificate Register,  except that a Disqualified Organization
or a Non-United  States  Person shall not be a Holder of a Residual  Certificate
for any  purposes  hereof  and,  solely for the  purposes  of giving any consent
pursuant  to this  Agreement,  any  Certificate  registered  in the  name of the
Depositor  or the  Seller or any  Affiliate  thereof  shall be deemed  not to be
outstanding  and the Voting  Rights to which it is  entitled  shall not be taken
into account in  determining  whether the requisite  percentage of Voting Rights
necessary  to effect any such  consent has been  obtained,  except as  otherwise
provided in Section 11.01.  The Trustee,  the  Certificate  Insurer and the NIMS
Insurer may conclusively  rely upon a certificate of the Depositor or the Seller
in  determining  whether a  Certificate  is held by an  Affiliate  thereof.  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,  the Certificate Insurer and the
NIMS Insurer 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  Insurance  Policy":  The Financial Guaranty Insurance Policy
No.  CA-O1142A,  and all endorsements  thereto dated the Closing Date, issued by
the  Certificate  Insurer  for  the  benefit  of  the  Holders  of  the  Insured
Certificates.

      "Certificate  Insurer":  XL Capital  Assurance  Inc., a New York  monoline
insurance corporation, or its successors in interest.

      "Certificate  Insurer  Default":  The occurrence and continuance of any of
the following:

            (a) the  Certificate  Insurer  shall have  failed to make a required
      payment when due under the Certificate Insurance Policy in accordance with
      its terms;

            (b) the  Certificate  Insurer  shall  have (i) filed a  petition  or
      commenced  any case or  proceeding  under any  provision or chapter of the
      United States Bankruptcy Code,

                                       9
<PAGE>

      the New York State Insurance Law or any other similar federal or state law
      relating  to  insolvency,  bankruptcy,  rehabilitation,   liquidation,  or
      reorganization,  (ii) made a general  assignment  for the  benefit  of its
      creditors  or (iii) had an order for relief  entered  against it under the
      United States  Bankruptcy  Code,  the New York State  Insurance Law or any
      other  similar  federal or state law relating to  insolvency,  bankruptcy,
      rehabilitation,   liquidation,   or  reorganization   that  is  final  and
      nonappealable; or

            (c) a court of competent  jurisdiction,  the New York  Department of
      Insurance or any other competent regulatory authority shall have entered a
      final and  nonappealable  order,  judgment  or  decree  (i)  appointing  a
      custodian,  trustee, agent, or receiver for the Certificate Insurer or for
      all or any material portion of its property or (ii) authorizing the taking
      of  possession  by  a  custodian,  trustee,  agent,  or  receiver  of  the
      Certificate  Insurer (or the taking of  possession  of all or any material
      portion of property of the Certificate Insurer).

      "Certificate  Margin":  With respect to each  Adjustable-Rate  Certificate
and, for purposes of the Marker Rate, the specified REMIC I Regular Interest, as
follows:

                                           Certificate Margin
                     REMIC I Regular       ------------------
            Class       Interest          (1) (%)     (2) (%)
            -----    ---------------      -------     -------
             A-1         I-LTA1           0.2925       0.5850
             A-2         I-LTA2           0.3800       0.7600
             A-3         I-LTA3           0.1500       0.3000
             A-4         I-LTA4           0.3400       0.6800
             A-5         I-LTA5           0.5500       1.1000
             M-1         I-LTM1           0.6300       0.9450
             M-2         I-LTM2           0.6600       0.9900
             M-3         I-LTM3           0.7000       1.0500
             M-4         I-LTM4           1.1500       1.7250
             M-5         I-LTM5           1.2000       1.8000
             M-6         I-LTM6           1.4000       2.1000
             M-7         I-LTM7           1.8500       2.7750
             M-8         I-LTM8           1.9500       2.9250
             M-9         I-LTM9           3.5000       5.2500
             M-10        I-LTM10          2.7500       4.1250

----------
(1)   For the Interest Accrual Period for each  Distribution Date on or prior to
      the Optional Termination Date.
(2)   For the  Interest  Accrual  Period  for each  Distribution  Date after the
      Optional Termination Date.

      "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 the
Depository  or on the books of a  Depository  Participant  or on the books of an
indirect participating brokerage firm for which a Depository Participant acts as
agent.

      "Certificate Principal Balance": With respect to each Class A Certificate,
Mezzanine  Certificate or Class P Certificate  as of any date of  determination,
the Certificate  Principal  Balance of such Certificate on the Distribution Date
immediately  prior  to  such  date  of  determination  minus  all  distributions
allocable to principal made thereon on such  Distribution  Date and, in the case
of  a  Mezzanine   Certificate,   Realized  Losses  allocated  thereto  on  such
immediately  prior  Distribution  Date  plus,  with  respect  to each  Mezzanine
Certificate, any

                                       10
<PAGE>

increase in the Certificate  Principal  Balance of such Certificate  pursuant to
Section 4.01 due to the receipt of Subsequent Recoveries (or, in the case of any
date of  determination  up to and including  the first  Distribution  Date,  the
initial Certificate Principal Balance of such Certificate, as stated on the face
thereof).  With  respect  to  each  Class  CE  Certificate  as of  any  date  of
determination,  an amount  equal to the  Percentage  Interest  evidenced by such
Certificate times the excess,  if any, of (A) the then aggregate  Uncertificated
Balances  of  the  REMIC  I  Regular  Interests  over  (B)  the  then  aggregate
Certificate  Principal  Balance  of the  Class  A  Certificates,  the  Mezzanine
Certificates and the Class P Certificates then outstanding.

      "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 class
designation.

      "Class A Certificate":  Any one of the Class A-1  Certificates,  the Class
A-2 Certificates,  the Class A-3 Certificates, the Class A-4 Certificates or the
Class A-5 Certificates.

      "Class A Principal  Distribution Amount": With respect to any Distribution
Date,  an  amount  equal  to  the  sum of  (i)  the  Senior  Group  I  Principal
Distribution Amount and (ii) the Senior Group II Principal Distribution Amount.

      "Class A-1 Certificate":  Any one of the Class A-1 Certificates  executed,
authenticated and delivered by the Certificate  Registrar,  substantially in the
form annexed hereto as Exhibit A-1 and evidencing a Regular Interest in REMIC II
for purposes of the REMIC Provisions.

      "Class  A-1   Certificate   Deficiency   Amount":   With  respect  to  any
Distribution  Date and the Insured  Certificates,  an amount equal to the sum of
the following amounts, in each case after giving effect to distributions made on
such date from sources other than the Certificate Insurance Policy:

            (i) the excess of (x) the Senior  Interest  Distribution  Amount for
      the Insured Certificates for such Distribution Date over (y) the amount of
      Available Funds allocated to pay such Senior Interest  Distribution Amount
      pursuant to Section 4.01;

            (ii)  the  Class  A-1  Principal  Loss  Amount,  if  any,  for  such
      Distribution Date; and

            (iii)  without  duplication  of the amount  specified  in clause (i)
      above, the Certificate  Principal  Balance of the Insured  Certificates on
      their Final Scheduled Distribution Date.

      "Class A-1  Principal  Loss  Amount":  As to any  Distribution  Date,  the
excess,   if  any,  of  the  Certificate   Principal   Balance  of  the  Insured
Certificates,  after  taking into  account  distributions  in  reduction of such
Certificate  Principal Balance from sources other than the Certificate Insurance
Policy on such Distribution Date, over the aggregate Stated Principal Balance of
the Group I Mortgage Loans for such Distribution Date.

                                       11
<PAGE>

      "Class A-2 Certificate": Any one of the Class A-2 Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially in the form annexed hereto as Exhibit A-2 and evidencing a Regular
Interest in REMIC II for purposes of the REMIC Provisions.

      "Class A-3 Certificate": Any one of the Class A-3 Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially in the form annexed hereto as Exhibit A-3 and evidencing a Regular
Interest in REMIC II for purposes of the REMIC Provisions.

      "Class A-4 Certificate": Any one of the Class A-4 Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially in the form annexed hereto as Exhibit A-4 and evidencing a Regular
Interest in REMIC II for purposes of the REMIC Provisions.

      "Class A-5 Certificate": Any one of the Class A-5 Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially in the form annexed hereto as Exhibit A-5 and evidencing a Regular
Interest in REMIC II for purposes of the REMIC Provisions.

      "Class CE Certificate":  Any one of the Class CE Certificates  executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially  in the form  annexed  hereto as  Exhibit  A-16 and  evidencing  a
Regular Interest in REMIC III for purposes of the REMIC Provisions.

      "Class CE Interest":  An uncertificated interest in the Trust Fund held by
the Trustee on behalf of the Holders of the Class CE Certificates,  evidencing a
Regular Interest in REMIC II for purposes of the REMIC Provisions.

      "Class M-1 Certificate": Any one of the Class M-1 Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially in the form annexed hereto as Exhibit A-6 and evidencing a Regular
Interest in REMIC II for purposes of the REMIC Provisions.

      "Class  M-1   Principal   Distribution   Amount":   With  respect  to  any
Distribution Date, an amount, not less than zero, equal to the lesser of (I) the
Certificate Principal Balance of the Class M-1 Certificates immediately prior to
such  Distribution  Date and (II) the excess of (x) the sum of (i) the aggregate
Certificate  Principal  Balance of the Class A  Certificates  (after taking into
account  the  payment  of the  Class A  Principal  Distribution  Amount  on such
Distribution  Date) and (ii) the Certificate  Principal Balance of the Class M-1
Certificates  immediately prior to such Distribution Date over (y) the lesser of
(A) the product of (i) 65.50% and (ii) the aggregate Stated Principal Balance of
the Mortgage  Loans as of the last day of the related Due Period  (after  giving
effect to scheduled  payments of principal due during the related Due Period, to
the extent  received or  advanced,  and  unscheduled  collections  of  principal
received  during the related  Prepayment  Period) and (B) the  aggregate  Stated
Principal  Balance of the  Mortgage  Loans as of the last day of the related Due
Period (after giving effect to scheduled payments of principal due

                                       12
<PAGE>

during  the  related  Due  Period,  to the  extent  received  or  advanced,  and
unscheduled  collections  of principal  received  during the related  Prepayment
Period) minus $9,999,999.96.

      "Class M-2 Certificate": Any one of the Class M-2 Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially in the form annexed hereto as Exhibit A-7 and evidencing a Regular
Interest in REMIC II for purposes of the REMIC Provisions.

      "Class  M-2   Principal   Distribution   Amount":   With  respect  to  any
Distribution Date, an amount, not less than zero, equal to the lesser of (I) the
Certificate Principal Balance of the Class M-2 Certificates immediately prior to
such  Distribution  Date and (II) the excess of (x) the sum of (i) the aggregate
Certificate  Principal  Balance of the Class A  Certificates  (after taking into
account  the  payment  of the  Class A  Principal  Distribution  Amount  on such
Distribution  Date),  (ii) the  Certificate  Principal  Balance of the Class M-1
Certificates  (after  taking into account the payment of the Class M-1 Principal
Distribution  Amount  on such  Distribution  Date)  and  (iii)  the  Certificate
Principal  Balance  of the  Class  M-2  Certificates  immediately  prior to such
Distribution  Date over (y) the lesser of (A) the product of (i) 71.50% and (ii)
the aggregate Stated Principal  Balance of the Mortgage Loans as of the last day
of the  related  Due  Period  (after  giving  effect to  scheduled  payments  of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled  collections of principal received during the related Prepayment
Period) and (B) the aggregate Stated Principal  Balance of the Mortgage Loans as
of the last day of the  related Due Period  (after  giving  effect to  scheduled
payments of principal due during the related Due Period,  to the extent received
or  advanced,  and  unscheduled  collections  of principal  received  during the
related Prepayment Period) minus $9,999,999.96.

      "Class M-3 Certificate": Any one of the Class M-3 Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially in the form annexed hereto as Exhibit A-8 and evidencing a Regular
Interest in REMIC II for purposes of the REMIC Provisions.

      "Class  M-3   Principal   Distribution   Amount":   With  respect  to  any
Distribution Date, an amount, not less than zero, equal to the lesser of (I) the
Certificate Principal Balance of the Class M-3 Certificates immediately prior to
such  Distribution  Date and (II) the excess of (x) the sum of (i) the aggregate
Certificate  Principal  Balance of the Class A  Certificates  (after taking into
account  the  payment  of the  Class A  Principal  Distribution  Amount  on such
Distribution  Date),  (ii) the  Certificate  Principal  Balance of the Class M-1
Certificates  (after  taking into account the payment of the Class M-1 Principal
Distribution Amount on such Distribution Date), (iii) the Certificate  Principal
Balance of the Class M-2 Certificates  (after taking into account the payment of
the Class M-2 Principal  Distribution Amount on such Distribution Date) and (iv)
the  Certificate  Principal  Balance of the Class M-3  Certificates  immediately
prior to such  Distribution  Date over (y) the lesser of (A) the  product of (i)
75.50% and (ii) the aggregate Stated Principal  Balance of the Mortgage Loans as
of the last day of the  related Due Period  (after  giving  effect to  scheduled
payments of principal due during the related Due Period,  to the extent received
or  advanced,  and  unscheduled  collections  of principal  received  during the
related Prepayment Period) and (B) the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to scheduled payments of principal due during the

                                       13
<PAGE>

related  Due  Period,  to the  extent  received  or  advanced,  and  unscheduled
collections of principal  received during the related  Prepayment  Period) minus
$9,999,999.96.

      "Class M-4 Certificate": Any one of the Class M-4 Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially in the form annexed hereto as Exhibit A-9 and evidencing a Regular
Interest in REMIC II for purposes of the REMIC Provisions.

      "Class  M-4   Principal   Distribution   Amount":   With  respect  to  any
Distribution Date, an amount, not less than zero, equal to the lesser of (I) the
Certificate Principal Balance of the Class M-4 Certificates immediately prior to
such  Distribution  Date and (II) the excess of (x) the sum of (i) the aggregate
Certificate  Principal  Balance of the Class A  Certificates  (after taking into
account  the  payment  of the  Class A  Principal  Distribution  Amount  on such
Distribution  Date),  (ii) the  Certificate  Principal  Balance of the Class M-1
Certificates  (after  taking into account the payment of the Class M-1 Principal
Distribution Amount on such Distribution Date), (iii) the Certificate  Principal
Balance of the Class M-2 Certificates  (after taking into account the payment of
the Class M-2 Principal Distribution Amount on such Distribution Date), (iv) the
Certificate  Principal Balance of the Class M-3 Certificates  (after taking into
account  the  payment  of the Class M-3  Principal  Distribution  Amount on such
Distribution  Date) and (v) the Certificate  Principal  Balance of the Class M-4
Certificates  immediately prior to such Distribution Date over (y) the lesser of
(A) the product of (i) 79.00% and (ii) the aggregate Stated Principal Balance of
the Mortgage  Loans as of the last day of the related Due Period  (after  giving
effect to scheduled  payments of principal due during the related Due Period, to
the extent  received or  advanced,  and  unscheduled  collections  of  principal
received  during the related  Prepayment  Period) and (B) the  aggregate  Stated
Principal  Balance of the  Mortgage  Loans as of the last day of the related Due
Period (after  giving  effect to scheduled  payments of principal due during the
related  Due  Period,  to the  extent  received  or  advanced,  and  unscheduled
collections of principal  received during the related  Prepayment  Period) minus
$9,999,999.96.

      "Class M-5 Certificate": Any one of the Class M-5 Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially  in the form  annexed  hereto as  Exhibit  A-10 and  evidencing  a
Regular Interest in REMIC II for purposes of the REMIC Provisions.

      "Class  M-5   Principal   Distribution   Amount":   With  respect  to  any
Distribution Date, an amount, not less than zero, equal to the lesser of (I) the
Certificate Principal Balance of the Class M-5 Certificates immediately prior to
such  Distribution  Date and (II) the excess of (x) the sum of (i) the aggregate
Certificate  Principal  Balance of the Class A  Certificates  (after taking into
account  the  payment  of the  Class A  Principal  Distribution  Amount  on such
Distribution  Date),  (ii) the  Certificate  Principal  Balance of the Class M-1
Certificates  (after  taking into account the payment of the Class M-1 Principal
Distribution Amount on such Distribution Date), (iii) the Certificate  Principal
Balance of the Class M-2 Certificates  (after taking into account the payment of
the Class M-2 Principal Distribution Amount on such Distribution Date), (iv) the
Certificate  Principal Balance of the Class M-3 Certificates  (after taking into
account  the  payment  of the Class M-3  Principal  Distribution  Amount on such
Distribution  Date),  (v) the  Certificate  Principal  Balance  of the Class M-4
Certificates  (after  taking into account the payment of the Class M-4 Principal
Distribution  Amount  on  such  Distribution  Date)  and  (vi)  the  Certificate

                                       14
<PAGE>

Principal  Balance  of the  Class  M-5  Certificates  immediately  prior to such
Distribution  Date over (y) the lesser of (A) the product of (i) 82.00% and (ii)
the aggregate Stated Principal  Balance of the Mortgage Loans as of the last day
of the  related  Due  Period  (after  giving  effect to  scheduled  payments  of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled  collections of principal received during the related Prepayment
Period) and (B) the aggregate Stated Principal  Balance of the Mortgage Loans as
of the last day of the  related Due Period  (after  giving  effect to  scheduled
payments of principal due during the related Due Period,  to the extent received
or  advanced,  and  unscheduled  collections  of principal  received  during the
related Prepayment Period) minus $9,999,999.96.

      "Class M-6 Certificate": Any one of the Class M-6 Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially  in the form  annexed  hereto as  Exhibit  A-11 and  evidencing  a
Regular Interest in REMIC II for purposes of the REMIC Provisions.

      "Class  M-6   Principal   Distribution   Amount":   With  respect  to  any
Distribution Date, an amount, not less than zero, equal to the lesser of (I) the
Certificate Principal Balance of the Class M-6 Certificates immediately prior to
such  Distribution  Date and (II) the excess of (x) the sum of (i) the aggregate
Certificate  Principal  Balance of the Class A  Certificates  (after taking into
account  the  payment  of the  Class A  Principal  Distribution  Amount  on such
Distribution  Date),  (ii) the  Certificate  Principal  Balance of the Class M-1
Certificates  (after  taking into account the payment of the Class M-1 Principal
Distribution Amount on such Distribution Date), (iii) the Certificate  Principal
Balance of the Class M-2 Certificates  (after taking into account the payment of
the Class M-2 Principal Distribution Amount on such Distribution Date), (iv) the
Certificate  Principal Balance of the Class M-3 Certificates  (after taking into
account  the  payment  of the Class M-3  Principal  Distribution  Amount on such
Distribution  Date),  (v) the  Certificate  Principal  Balance  of the Class M-4
Certificates  (after  taking into account the payment of the Class M-4 Principal
Distribution Amount on such Distribution  Date), (vi) the Certificate  Principal
Balance of the Class M-5 Certificates  (after taking into account the payment of
the Class M-5 Principal Distribution Amount on such Distribution Date) and (vii)
the  Certificate  Principal  Balance of the Class M-6  Certificates  immediately
prior to such  Distribution  Date over (y) the lesser of (A) the  product of (i)
85.00% and (ii) the aggregate Stated Principal  Balance of the Mortgage Loans as
of the last day of the  related Due Period  (after  giving  effect to  scheduled
payments of principal due during the related Due Period,  to the extent received
or  advanced,  and  unscheduled  collections  of principal  received  during the
related Prepayment Period) and (B) the aggregate Stated Principal Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to  scheduled  payments of principal  due during the related Due Period,  to the
extent received or advanced,  and unscheduled  collections of principal received
during the related Prepayment Period) minus $9,999,999.96.

      "Class M-7 Certificate": Any one of the Class M-7 Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially  in the form  annexed  hereto as  Exhibit  A-12 and  evidencing  a
Regular Interest in REMIC II for purposes of the REMIC Provisions.

      "Class  M-7   Principal   Distribution   Amount":   With  respect  to  any
Distribution Date, an amount, not less than zero, equal to the lesser of (I) the
Certificate Principal Balance of

                                       15
<PAGE>

the Class M-7 Certificates  immediately prior to such Distribution Date and (II)
the excess of (x) the sum of (i) the aggregate  Certificate Principal Balance of
the Class A  Certificates  (after taking into account the payment of the Class A
Principal  Distribution  Amount on such Distribution Date), (ii) the Certificate
Principal  Balance of the Class M-1 Certificates  (after taking into account the
payment  of the Class M-1  Principal  Distribution  Amount on such  Distribution
Date),  (iii) the Certificate  Principal  Balance of the Class M-2  Certificates
(after taking into account the payment of the Class M-2  Principal  Distribution
Amount on such Distribution Date), (iv) the Certificate Principal Balance of the
Class M-3  Certificates  (after taking into account the payment of the Class M-3
Principal  Distribution  Amount on such Distribution  Date), (v) the Certificate
Principal  Balance of the Class M-4 Certificates  (after taking into account the
payment  of the Class M-4  Principal  Distribution  Amount on such  Distribution
Date),  (vi) the  Certificate  Principal  Balance of the Class M-5  Certificates
(after taking into account the payment of the Class M-5  Principal  Distribution
Amount on such Distribution  Date),  (vii) the Certificate  Principal Balance of
the Class M-6  Certificates  (after taking into account the payment of the Class
M-6  Principal  Distribution  Amount on such  Distribution  Date) and (viii) the
Certificate Principal Balance of the Class M-7 Certificates immediately prior to
such  Distribution Date over (y) the lesser of (A) the product of (i) 87.50% and
(ii) the aggregate Stated Principal Balance of the Mortgage Loans as of the last
day of the related Due Period  (after  giving  effect to  scheduled  payments of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled  collections of principal received during the related Prepayment
Period) and (B) the aggregate Stated Principal  Balance of the Mortgage Loans as
of the last day of the  related Due Period  (after  giving  effect to  scheduled
payments of principal due during the related Due Period,  to the extent received
or  advanced,  and  unscheduled  collections  of principal  received  during the
related Prepayment Period) minus $9,999,999.96.

      "Class M-8 Certificate": Any one of the Class M-8 Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially  in the form  annexed  hereto as  Exhibit  A-13 and  evidencing  a
Regular Interest in REMIC II for purposes of the REMIC Provisions.

      "Class  M-8   Principal   Distribution   Amount":   With  respect  to  any
Distribution Date, an amount, not less than zero, equal to the lesser of (I) the
Certificate Principal Balance of the Class M-8 Certificates immediately prior to
such  Distribution  Date and (II) the excess of (x) the sum of (i) the aggregate
Certificate  Principal  Balance of the Class A  Certificates  (after taking into
account  the  payment  of the  Class A  Principal  Distribution  Amount  on such
Distribution  Date),  (ii) the  Certificate  Principal  Balance of the Class M-1
Certificates  (after  taking into account the payment of the Class M-1 Principal
Distribution Amount on such Distribution Date), (iii) the Certificate  Principal
Balance of the Class M-2 Certificates  (after taking into account the payment of
the Class M-2 Principal Distribution Amount on such Distribution Date), (iv) the
Certificate  Principal Balance of the Class M-3 Certificates  (after taking into
account  the  payment  of the Class M-3  Principal  Distribution  Amount on such
Distribution  Date),  (v) the  Certificate  Principal  Balance  of the Class M-4
Certificates  (after  taking into account the payment of the Class M-4 Principal
Distribution Amount on such Distribution  Date), (vi) the Certificate  Principal
Balance of the Class M-5 Certificates  (after taking into account the payment of
the Class M-5 Principal  Distribution  Amount on such Distribution  Date), (vii)
the Certificate  Principal  Balance of the Class M-6 Certificates  (after taking
into account the payment of the Class M-6 Principal  Distribution Amount on such
Distribution Date), (viii) the Certificate

                                       16
<PAGE>

Principal  Balance of the Class M-7 Certificates  (after taking into account the
payment  of the Class M-7  Principal  Distribution  Amount on such  Distribution
Date) and (ix) the Certificate  Principal  Balance of the Class M-8 Certificates
immediately  prior to such  Distribution  Date  over (y) the  lesser  of (A) the
product of (i) 89.50% and (ii) the  aggregate  Stated  Principal  Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to  scheduled  payments of principal  due during the related Due Period,  to the
extent received or advanced,  and unscheduled  collections of principal received
during the related  Prepayment  Period) and (B) the aggregate  Stated  Principal
Balance  of the  Mortgage  Loans as of the last day of the  related  Due  Period
(after giving  effect to scheduled  payments of principal due during the related
Due Period, to the extent received or advanced,  and unscheduled  collections of
principal received during the related Prepayment Period) minus $9,999,999.96.

      "Class M-9 Certificate": Any one of the Class M-9 Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially  in the form  annexed  hereto as  Exhibit  A-14 and  evidencing  a
Regular Interest in REMIC II for purposes of the REMIC Provisions.

      "Class  M-9   Principal   Distribution   Amount":   With  respect  to  any
Distribution Date, an amount, not less than zero, equal to the lesser of (I) the
Certificate Principal Balance of the Class M-9 Certificates immediately prior to
such  Distribution  Date and (II) the excess of (x) the sum of (i) the aggregate
Certificate  Principal  Balance of the Class A  Certificates  (after taking into
account  the  payment  of the  Class A  Principal  Distribution  Amount  on such
Distribution  Date),  (ii) the  Certificate  Principal  Balance of the Class M-1
Certificates  (after  taking into account the payment of the Class M-1 Principal
Distribution Amount on such Distribution Date), (iii) the Certificate  Principal
Balance of the Class M-2 Certificates  (after taking into account the payment of
the Class M-2 Principal Distribution Amount on such Distribution Date), (iv) the
Certificate  Principal Balance of the Class M-3 Certificates  (after taking into
account  the  payment  of the Class M-3  Principal  Distribution  Amount on such
Distribution  Date),  (v) the  Certificate  Principal  Balance  of the Class M-4
Certificates  (after  taking into account the payment of the Class M-4 Principal
Distribution Amount on such Distribution  Date), (vi) the Certificate  Principal
Balance of the Class M-5 Certificates  (after taking into account the payment of
the Class M-5 Principal  Distribution  Amount on such Distribution  Date), (vii)
the Certificate  Principal  Balance of the Class M-6 Certificates  (after taking
into account the payment of the Class M-6 Principal  Distribution Amount on such
Distribution  Date),  (viii) the Certificate  Principal Balance of the Class M-7
Certificates  (after  taking into account the payment of the Class M-7 Principal
Distribution  Amount  on such  Distribution  Date),  (ix)  and  the  Certificate
Principal  Balance of the Class M-8 Certificates  (after taking into account the
payment  of the Class M-8  Principal  Distribution  Amount on such  Distribution
Date) and (x) the Certificate  Principal  Balance of the Class M-9  Certificates
immediately  prior to such  Distribution  Date  over (y) the  lesser  of (A) the
product of (i) 91.50% and (ii) the  aggregate  Stated  Principal  Balance of the
Mortgage Loans as of the last day of the related Due Period (after giving effect
to  scheduled  payments of principal  due during the related Due Period,  to the
extent received or advanced,  and unscheduled  collections of principal received
during the related  Prepayment  Period) and (B) the aggregate  Stated  Principal
Balance  of the  Mortgage  Loans as of the last day of the  related  Due  Period
(after giving  effect to scheduled  payments of principal due during the related
Due Period, to the extent received or advanced,  and unscheduled  collections of
principal received during the related Prepayment Period) minus $9,999,999.96.

                                       17
<PAGE>

      "Class M-10 Certificate":  Any one of the Class M-10 Certificates executed
by the Trustee,  and authenticated  and delivered by the Certificate  Registrar,
substantially  in the form  annexed  hereto as  Exhibit  A-15 and  evidencing  a
Regular Interest in REMIC II for purposes of the REMIC Provisions.

      "Class  M-10  Principal   Distribution   Amount":   With  respect  to  any
Distribution Date, an amount, not less than zero, equal to the lesser of (I) the
Certificate  Principal Balance of the Class M-10 Certificates  immediately prior
to  such  Distribution  Date  and  (II)  the  excess  of (x)  the sum of (i) the
aggregate  Certificate  Principal  Balance  of the Class A  Certificates  (after
taking into account the payment of the Class A Principal  Distribution Amount on
such Distribution Date), (ii) the Certificate Principal Balance of the Class M-1
Certificates  (after  taking into account the payment of the Class M-1 Principal
Distribution Amount on such Distribution Date), (iii) the Certificate  Principal
Balance of the Class M-2 Certificates  (after taking into account the payment of
the Class M-2 Principal Distribution Amount on such Distribution Date), (iv) the
Certificate  Principal Balance of the Class M-3 Certificates  (after taking into
account  the  payment  of the Class M-3  Principal  Distribution  Amount on such
Distribution  Date),  (v) the  Certificate  Principal  Balance  of the Class M-4
Certificates  (after  taking into account the payment of the Class M-4 Principal
Distribution Amount on such Distribution  Date), (vi) the Certificate  Principal
Balance of the Class M-5 Certificates  (after taking into account the payment of
the Class M-5 Principal  Distribution  Amount on such Distribution  Date), (vii)
the Certificate  Principal  Balance of the Class M-6 Certificates  (after taking
into account the payment of the Class M-6 Principal  Distribution Amount on such
Distribution  Date),  (viii) the Certificate  Principal Balance of the Class M-7
Certificates  (after  taking into account the payment of the Class M-7 Principal
Distribution Amount on such Distribution  Date), (ix) the Certificate  Principal
Balance of the Class M-8 Certificates  (after taking into account the payment of
the Class M-8 Principal  Distribution Amount on such Distribution Date), (x) the
Certificate Principal Balance of the Class M-9 Certificates immediately prior to
such  Distribution  Date (after taking into account the payment of the Class M-9
Principal   Distribution   Amount  on  such  Distribution  Date)  and  (xi)  the
Certificate  Principal Balance of the Class M-10 Certificates  immediately prior
to such  Distribution  Date over (y) the lesser of (A) the product of (i) 93.50%
and (ii) the aggregate Stated Principal  Balance of the Mortgage Loans as of the
last day of the related Due Period (after giving effect to scheduled payments of
principal due during the related Due Period, to the extent received or advanced,
and unscheduled  collections of principal received during the related Prepayment
Period) and (B) the aggregate Stated Principal  Balance of the Mortgage Loans as
of the last day of the  related Due Period  (after  giving  effect to  scheduled
payments of principal due during the related Due Period,  to the extent received
or  advanced,  and  unscheduled  collections  of principal  received  during the
related Prepayment Period) minus $9,999,999.96.

      "Class P Certificate": Any one of the Class P Certificates executed by the
Trustee,   and  authenticated  and  delivered  by  the  Certificate   Registrar,
substantially in the form annexed hereto as Exhibit A-17, representing the right
to  distributions  as set forth  herein and  therein  and  evidencing  a regular
interest in REMIC IV for purposes of the REMIC Provisions.

      "Class P Interest":  An uncertificated  interest in the Trust Fund held by
the Trustee on behalf of the Holders of the Class P  Certificates,  evidencing a
Regular Interest in REMIC II for purposes of the REMIC Provisions.

                                       18
<PAGE>

      "Class R Certificate": Any one of the Class R Certificates executed by the
Trustee,   and  authenticated  and  delivered  by  the  Certificate   Registrar,
substantially  in the form  annexed  hereto as Exhibit A-18 and  evidencing  the
ownership of the Class R-I Interest and the Class R-II Interest.

      "Class R-X Certificate": Any one of the Class R-X Certificates executed by
the Trustee,  and  authenticated  and  delivered by the  Certificate  Registrar,
substantially  in the form  annexed  hereto as Exhibit A-19 and  evidencing  the
ownership of the Class R-III Interest and the Class R-IV Interest.

      "Class R-I Interest": The uncertificated Residual Interest in REMIC I.

      "Class R-II Interest": The uncertificated Residual Interest in REMIC II.

      "Class R-III Interest": The uncertificated Residual Interest in REMIC III.

      "Class R-IV Interest": The uncertificated Residual Interest in REMIC IV.

      "Closing Date": September 7, 2004.

      "Combined Loan-to-Value Ratio": As of any date of determination,  and with
respect to second lien Mortgage Loans, the fraction,  expressed as a percentage,
the numerator of which is (i) the sum of (a) the outstanding  principal  balance
of the related first-lien mortgage loan plus (b) the Stated Principal Balance of
the related  second-lien  mortgage loan and the denominator of which is (ii) the
Value of the related Mortgaged Property.

      "Code": The Internal Revenue Code of 1986, as amended.

      "Collection  Account":  The account or accounts  created and maintained by
the Master Servicer pursuant to Section 3.04(a),  which shall be entitled "HomEq
Servicing  Corporation,  as Master  Servicer  for Wells  Fargo  Bank,  N.A.,  as
Trustee,  in trust for the registered  holders of Park Place  Securities,  Inc.,
Asset-Backed  Pass-Through  Certificates,   Series  2004-WHQ1."  The  Collection
Account must be an Eligible Account.

      "Commission": The Securities and Exchange Commission.

      "Compensating Interest": As defined in Section 4.03(e) hereof.

      "Corporate  Trust Office":  The corporate trust 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  Agreement  is located at (i) for  purposes of the transfer and exchange of
the  Certificates,  Sixth  and  Marquette,  Minneapolis,  Minnesota  55479-0113,
Attention:  Corporate  Trust  Services  - Park  Place  Securities,  Inc.  Series
2004-WHQ1,  and (ii) for all other purposes,  9062 Old Annapolis Road, Columbia,
Maryland 21045, Attention:  Client Manager - Park Place Securities,  Inc. Series
2004-WHQ1.

      "Corresponding  Certificate":   With  respect  to  each  REMIC  I  Regular
Interest, as follows:

                                       19
<PAGE>

              REMIC I Regular Interest             Class
          -------------------------------          -----
          REMIC I Regular Interest I-LTA1           A-1
          REMIC I Regular Interest I-LTA2           A-2
          REMIC I Regular Interest I-LTA3           A-3
          REMIC I Regular Interest I-LTA4           A-4
          REMIC I Regular Interest I-LTA5           A-5
          REMIC I Regular Interest I-LTM1           M-1
          REMIC I Regular Interest I-LTM2           M-2
          REMIC I Regular Interest I-LTM3           M-3
          REMIC I Regular Interest I-LTM4           M-4
          REMIC I Regular Interest I-LTM5           M-5
          REMIC I Regular Interest I-LTM6           M-6
          REMIC I Regular Interest I-LTM7           M-7
          REMIC I Regular Interest I-LTM8           M-8
          REMIC I Regular Interest I-LTM9           M-9
          REMIC I Regular Interest I-LTM10          M-10
          REMIC I Regular Interest I-LTP            P

      "Credit  Enhancement  Percentage":  For any Distribution Date and Class of
Class A Certificates or Mezzanine  Certificates,  the percentage equivalent of a
fraction,  calculated  after  taking into  account  distribution  of the Group I
Principal  Distribution Amount and the Group II Principal Distribution Amount to
the   Certificates   then  entitled  to   distributions  of  principal  on  such
Distribution  Date,  the  numerator  of  which  is  the  sum  of  the  aggregate
Certificate  Principal  Balances  of the  Classes of  Certificates  with a lower
distribution  priority  than such  Class,  and the  denominator  of which is the
aggregate Stated  Principal  Balance of the Mortgage Loans as of the last day of
the related Due Period (after  giving effect to scheduled  payments of principal
due during the related  Due Period,  to the extent  received  or  advanced,  and
unscheduled  collections  of principal  received  during the related  Prepayment
Period).

      "Cumulative Loss Percentage":  With respect to any Distribution  Date, the
percentage  equivalent  of a fraction,  the  numerator of which is the aggregate
amount of Realized  Losses incurred from the Cut-off Date to the last day of the
preceding  calendar  month  (reduced  by  the  aggregate  amount  of  Subsequent
Recoveries  received  from the Cut-off  Date through the last day of the related
Due Period)  and the  denominator  of which is the  aggregate  Stated  Principal
Balance of the Mortgage Loans as of the Cut-off Date.

      "Custodian":  A Custodian, which shall initially be Deutsche Bank National
Trust Company pursuant to the Custodial Agreement.

      "Custodial Agreement":  The letter agreement dated as of the Closing Date,
among the Master  Servicer,  the Trustee  and the  Custodian  providing  for the
safekeeping of the Mortgage Files on behalf of the Trust in accordance with this
Agreement.

      "Custodian Fee": The amount payable to the Custodian on each  Distribution
Date pursuant to Section 8.05 as  compensation  for all services  rendered by it
under  the  Custodial  Agreement  equal to $0.20 for each  Mortgage  File in the
Custodian's possession corresponding a Mortgage Loan.

                                       20
<PAGE>

      "Custodian  Fee  Rate":  The per annum fee paid to the  Custodian  on each
Distribution  Date equal to the  Custodian  Fee expressed as a percentage of the
aggregate Stated Principal Balance of the Mortgage Loans.

      "Cut-off  Date":  With respect to any Mortgage Loan, the close of business
on September 1, 2004. With respect to all Qualified  Substitute  Mortgage Loans,
their respective dates of substitution. References herein to the "Cut-off Date,"
when  used  with  respect  to more  than  one  Mortgage  Loan,  shall  be to the
respective Cut-off Dates for such Mortgage Loans.

      "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
resulting from a Deficient Valuation.

      "Deficient  Valuation":  With respect to any Mortgage Loan, a valuation of
the related Mortgaged Property by a court of competent jurisdiction in an amount
less than the then outstanding  Stated  Principal  Balance of the Mortgage Loan,
which valuation results from a proceeding initiated under the Bankruptcy Code.

      "Definitive Certificates": As defined in Section 5.01(b).

      "Deleted  Mortgage  Loan": A Mortgage Loan replaced or to be replaced by a
Qualified Substitute Mortgage Loan.

      "Delinquency  Percentage":  With  respect to any  Distribution  Date,  the
percentage  equivalent  of a fraction,  the  numerator of which is the aggregate
Stated  Principal  Balance  of all  Mortgage  Loans  as of the  last  day of the
previous  calendar  month  that,  as of such last day of the  previous  calendar
month,  are 60 or more days  delinquent  (measured  under  the  Office of Thrift
Supervision   delinquency   calculation   methodology   and  with   respect   to
modifications,  measured  as set forth  below),  are in  foreclosure,  have been
converted to REO Properties or have been discharged by reason of bankruptcy, and
the  denominator  of which is the  aggregate  Stated  Principal  Balance  of the
Mortgage  Loans and REO  Properties as of the last day of the previous  calendar
month;  provided,  however,  that any  Mortgage  Loan  purchased  by the  Master
Servicer or the NIMS  Insurer  pursuant to Section 3.16 shall not be included in
either  the  numerator  or the  denominator  for  purposes  of  calculating  the
Delinquency Percentage.

      With respect to modified  Mortgage Loans, a Mortgage Loan is delinquent by
the number of days that have elapsed  since the due date from the oldest  unpaid
monthly  payment  that became due under the terms of the related  Mortgage  Loan
without regard to any modification of the terms thereof; provided, however, that
if the terms of such Mortgage Loan are modified,  delinquency  shall be measured
in  accordance  with the modified  terms of such  Mortgage Loan when and if four
consecutive  full monthly payments due pursuant to the modified terms shall have
been made,  in each case no later than 30 days  following  the due date for such
monthly payment.

      "Depositor":  Park Place Securities,  Inc., a Delaware corporation, or its
successor in interest.

                                       21
<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(3) 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  Institution":  Any  depository  institution or trust company,
including  the Trustee,  that (a) is  incorporated  under the laws of the United
States of  America or any State  thereof,  (b) is  subject  to  supervision  and
examination  by federal or state  banking  authorities  and (c) has  outstanding
unsecured  commercial paper or other short-term  unsecured debt obligations that
are rated  "P-1" by  Moody's,  "F-1" by Fitch  and  "A-1" by S&P (or  comparable
ratings if Moody's, Fitch and S&P are not the Rating Agencies).

      "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.

      "Determination Date": With respect to each Distribution Date, the 18th day
of the calendar  month in which such  Distribution  Date occurs or, if such 18th
day is not a Business Day, the Business Day immediately preceding such 18th day.

      "Directly  Operate":  With respect to any REO Property,  the furnishing or
rendering of services to the tenants  thereof,  the  management  or operation of
such REO  Property,  the  holding  of such REO  Property  primarily  for sale to
customers,  the performance of any construction  work thereon or any use of such
REO  Property in a trade or business  conducted by REMIC I other than through an
Independent  Contractor;  provided,  however,  that the  Trustee  (or the Master
Servicer on behalf of the Trustee)  shall not be considered to Directly  Operate
an REO Property  solely because the Trustee (or the Master Servicer on behalf of
the Trustee)  establishes rental terms,  chooses tenants,  enters into or renews
leases,  deals with taxes and  insurance,  or makes  decisions  as to repairs or
capital expenditures with respect to such REO Property.

      "Disqualified Organization":  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 Freddie  Mac, a majority of its board of  directors  is not
selected  by  such  governmental  unit),  (ii)  any  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) an "electing
large  partnership" 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
Residual  Certificate  by such  Person  may cause any Trust  REMIC 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 Residual Certificate to such Person. The terms

                                       22
<PAGE>

"United  States,"  "State"  and  "international  organization"  shall  have  the
meanings set forth in Section 7701 of the Code or successor provisions.

      "Distribution   Account":  The  trust  account  or  accounts  created  and
maintained by the Trustee pursuant to Section  3.04(e),  which shall be entitled
"Wells Fargo Bank, N.A., as Trustee, in trust for the registered holders of Park
Place  Securities,   Inc.,  Asset-Backed   Pass-Through   Certificates,   Series
2004-WHQ1." The Distribution Account must be an Eligible Account.

      "Distribution Date": The 25th day of any month, or if such 25th day is not
a Business Day, the next succeeding Business Day, commencing in October 2004.

      "Due Date": With respect to each  Distribution  Date, the first day of the
calendar month in which such Distribution  Date occurs,  which is the day of the
month on which the Monthly  Payment is due on a Mortgage Loan,  exclusive of any
days of grace.

      "Due Period": With respect to any Distribution Date, the period commencing
on the second  day of the month  immediately  preceding  the month in which such
Distribution Date occurs and ending on the related Due Date.

      "Eligible  Account":  Any of (i) an account or accounts  maintained with a
Depository   Institution  or  trust  company,   the  short-term  unsecured  debt
obligations  of which are rated "P-1" by  Moody's,  "F-1" by Fitch and "A-1+" by
S&P (or  comparable  ratings  if  Moody's,  Fitch  and  S&P  are not the  Rating
Agencies) at the time any amounts are held on deposit  therein,  (ii) an account
or accounts the deposits in which are fully insured by the FDIC or (iii) a trust
account or accounts  maintained with the corporate trust department of a federal
or state  chartered  depository  institution  or  trust  company  acting  in its
fiduciary capacity. Eligible Accounts may bear interest.

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

      "Escrow Account":  The account or accounts created and maintained pursuant
to Section 3.04(c).

      "Escrow Payments":  The amounts constituting taxes, and/or fire and hazard
insurance  premiums  escrowed by the Mortgagor with the mortgagee  pursuant to a
voluntary escrow agreement related to any Mortgage Loan.

      "Estate in Real  Property":  A fee simple estate or leasehold  estate in a
parcel of land.

      "Excess   Overcollateralized   Amount":   With  respect  to  the  Class  A
Certificates  and the Mezzanine  Certificates  and any  Distribution  Date,  the
excess, if any, of (i) the Overcollateralized  Amount for such Distribution Date
(calculated  for this purpose  only after  assuming  that 100% of the  Principal
Remittance  Amount on such Distribution Date has been distributed) over (ii) the
Overcollateralization Target Amount for such Distribution Date.

                                       23
<PAGE>

      "Expense  Adjusted Net Mortgage  Rate":  With respect to any Mortgage Loan
(or the related REO Property), as of any date of determination, a per annum rate
of interest equal to the applicable Mortgage Rate thereon as of the first day of
the month  preceding the month in which the  Distribution  Date occurs minus the
Servicing Fee Rate, the Custodian Fee Rate and the Trustee Fee Rate, if any.

      "Expense Adjusted Net Maximum Mortgage Rate": With respect to any Mortgage
Loan (or the related REO Property), as of any date of determination, a per annum
rate of interest equal to the applicable  Maximum Mortgage Rate (or the Mortgage
Rate for such Mortgage Loan in the case of any  Fixed-Rate  Mortgage Loan) as of
the first day of the month  preceding the month in which the  Distribution  Date
occurs minus the Servicing Fee Rate,  the Custodian Fee Rate and the Trustee Fee
Rate, if any.

      "Extraordinary  Trust  Fund  Expense":  Any  amounts  reimbursable  to the
Trustee, or any director,  officer,  employee or agent of the Trustee,  from the
Trust Fund pursuant to Section 8.05, any amounts  payable from the  Distribution
Account in respect of taxes  pursuant to Section  10.01(g)(iii)  and any amounts
payable by the Trustee for the recording of the Assignments  pursuant to Section
2.01.

      "Fannie Mae":  Fannie Mae, formally known as the Federal National Mortgage
Association, or any successor thereto.

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

      "Final  Recovery  Determination":  With respect to any defaulted  Mortgage
Loan or any REO Property  (other than a Mortgage Loan or REO Property  purchased
by  the  Seller,  the  Depositor  or  the  Master  Servicer  pursuant  to  or as
contemplated by Section 2.03,  Section 3.16(a) or Section 9.01), a determination
made by the Master Servicer that all Insurance  Proceeds,  Liquidation  Proceeds
and other payments or recoveries  which the Master  Servicer,  in its reasonable
good faith judgment,  expects to be finally  recoverable in respect thereof have
been so recovered.  The Master  Servicer shall maintain  records,  prepared by a
Servicing Officer, of each Final Recovery Determination made thereby.

      "Final Scheduled  Distribution  Date": The Distribution  Date occurring in
September 2034.

      "Fitch": Fitch Ratings, or its successor in interest.

      "Fixed-Rate  Mortgage Loan":  Each of the Mortgage Loans identified on the
Mortgage Loan Schedule as having a fixed Mortgage Rate.

      "Formula   Rate":   For  any   Distribution   Date  and   each   Class  of
Adjustable-Rate  Certificates,   the  lesser  of  (i)  LIBOR  plus  the  related
Certificate Margin and (ii) the related Maximum Cap Rate.

      "Freddie  Mac":  Freddie  Mac,  formally  known as the  Federal  Home Loan
Mortgage Corporation, or any successor thereto.

                                       24
<PAGE>

      "Gross Margin":  With respect to each  Adjustable-Rate  Mortgage Loan, the
fixed  percentage  set forth in the related  Mortgage  Note that is added to the
Index  on each  Adjustment  Date in  accordance  with the  terms of the  related
Mortgage Note to determine the Mortgage Rate for such  Adjustable-Rate  Mortgage
Loan.

      "Group I Allocation Percentage":  With respect to the Group I Certificates
and  any  Distribution  Date,  the  percentage  equivalent  of a  fraction,  the
numerator  of which is (x) the  Group I  Principal  Remittance  Amount  for such
Distribution  Date and the denominator of which is (y) the Principal  Remittance
Amount for such Distribution Date.

      "Group I Certificates": The Class A-1 Certificates.

      "Group I Interest  Remittance  Amount":  With respect to any  Distribution
Date,  that  portion  of the  Available  Funds for such  Distribution  Date that
represents interest received or advanced on the Group I Mortgage Loans.

      "Group I Mortgage  Loan":  A Mortgage  Loan  assigned to Loan Group I; all
Group I Mortgage Loans have a principal  balance at origination that conforms to
Fannie Mae and Freddie Mac loan limits.

      "Group I Principal  Distribution Amount": With respect to any Distribution
Date, the sum of: (i) the principal portion of each Monthly Payment on the Group
I Mortgage Loans due during the related Due Period, to the extent received on or
prior to the related  Determination  Date or advanced prior to that Distribution
Date;  (ii) the Stated  Principal  Balance of any Group I Mortgage Loan that was
purchased during the related Prepayment Period pursuant to or as contemplated by
Section  2.03,  Section  3.16(a) or Section 9.01 and the amount of any shortfall
deposited in the Collection  Account in connection  with the  substitution  of a
Deleted  Mortgage  Loan in Loan Group I  pursuant  to  Section  2.03  during the
related Prepayment Period;  (iii) the principal portion of all other unscheduled
collections (including,  without limitation,  Principal Prepayments,  Subsequent
Recoveries,   Insurance  Proceeds,   Liquidation   Proceeds  and  REO  Principal
Amortization)  received  during  the  related  Prepayment  Period on the Group I
Mortgage  Loans,  net of any  portion  thereof  that  represents  a recovery  of
principal  for which an advance  was made by the  Master  Servicer  pursuant  to
Section 4.03 in respect of a preceding  Distribution Date; (iv) [reserved];  and
(v) the Group I Allocation Percentage of the amount of any Overcollateralization
Increase Amount for such  Distribution  Date;  MINUS (vi) the Group I Allocation
Percentage of the amount of any Overcollateralization  Reduction Amount for such
Distribution  Date. In no event will the Group I Principal  Distribution  Amount
with respect to any Distribution  Date be (x) less than zero or (y) greater than
the then outstanding  aggregate Certificate Principal Balance of the Class A and
Mezzanine Certificates.

      "Group I Principal  Remittance  Amount":  With respect to any Distribution
Date,  the sum of the amounts  described  in clauses  (i)  through  (iii) of the
definition of Group I Principal Distribution Amount.

      "Group  II   Allocation   Percentage":   With  respect  to  the  Group  II
Certificates and any Distribution Date, the percentage equivalent of a fraction,
the numerator of which is (x) the

                                       25
<PAGE>

Group  II  Principal  Remittance  Amount  for  such  Distribution  Date  and the
denominator  of  which  is  (y)  the  Principal   Remittance   Amount  for  such
Distribution Date.

      "Group  II  Certificates":  The  Class  A-2  Certificates,  the  Class A-3
Certificates, the Class A-4 Certificates and the Class A-5 Certificates.

      "Group II Interest  Remittance  Amount":  With respect to any Distribution
Date,  that  portion  of the  Available  Funds for such  Distribution  Date that
represents interest received or advanced on the Group II Mortgage Loans.

      "Group II Mortgage Loan": A Mortgage Loan assigned to Loan Group II with a
principal  balance at  origination  that may or may not conform to Fannie Mae or
Freddie Mac loan limits.

      "Group II Principal Distribution Amount": With respect to any Distribution
Date, the sum of: (i) the principal portion of each Monthly Payment on the Group
II Mortgage Loans due during the related Due Period,  to the extent  received on
or  prior  to  the  related   Determination  Date  or  advanced  prior  to  that
Distribution  Date; (ii) the Stated  Principal  Balance of any Group II Mortgage
Loan that was purchased during the related  Prepayment  Period pursuant to or as
contemplated by Section 2.03,  Section 3.16(a) or Section 9.01 and the amount of
any  shortfall  deposited  in the  Collection  Account  in  connection  with the
substitution  of a Deleted  Mortgage  Loan in Loan Group II  pursuant to Section
2.03 during the related  Prepayment  Period;  (iii) the principal portion of all
other  unscheduled   collections  (including,   without  limitation,   Principal
Prepayments, Subsequent Recoveries, Insurance Proceeds, Liquidation Proceeds and
REO Principal Amortization) received during the related Prepayment Period on the
Group II Mortgage  Loans,  net of any portion thereof that represents a recovery
of principal  for which an advance was made by the Master  Servicer  pursuant to
Section 4.03 in respect of a preceding  Distribution Date; (iv) [reserved];  and
(v)   the   Group   II   Allocation    Percentage   of   the   amount   of   any
Overcollateralization Increase Amount for such Distribution Date; MINUS (vi) the
Group  II  Allocation  Percentage  of the  amount  of any  Overcollateralization
Reduction  Amount  for such  Distribution  Date.  In no event  will the Group II
Principal  Distribution Amount with respect to any Distribution Date be (x) less
than  zero or (y)  greater  than  the  then  outstanding  aggregate  Certificate
Principal Balance of the Class A and Mezzanine Certificates.

      "Group II Principal  Remittance Amount":  With respect to any Distribution
Date,  the sum of the amounts  described  in clauses  (i)  through  (iii) of the
definition of Group II Principal Distribution Amount.

      "Highest Priority" As of any date of determination, the Class of Mezzanine
Certificates then outstanding with a Certificate  Principal Balance greater than
zero,  with the highest  priority for payments  pursuant to Section 4.01, in the
following order of decreasing  priority:  the Class M-1 Certificates,  the Class
M-2 Certificates,  the Class M-3 Certificates,  the Class M-4 Certificates,  the
Class M-5 Certificates,  the Class M-6 Certificates, the Class M-7 Certificates,
the  Class M-8  Certificates,  the Class  M-9  Certificates  and the Class  M-10
Certificates.

      "HOEPA": The Home Ownership and Equity Protection Act of 1994.

                                       26
<PAGE>

      "Indenture": An indenture relating to the issuance of notes secured by all
or a portion of the Class CE Certificates,  the Class P Certificates  and/or the
Residual Certificates, which may or may not be guaranteed by the NIMS Insurer.

      "Independent":  When used with respect to any specified  Person,  any such
Person who (a) is in fact independent of the Depositor, the Master Servicer, the
Seller and their respective  Affiliates,  (b) does not have any direct financial
interest in or any material indirect  financial  interest in the Depositor,  the
Seller,  the Master  Servicer or any Affiliate  thereof and (c) is not connected
with the Depositor,  the Seller, the Master Servicer or any Affiliate thereof as
an officer,  employee,  promoter,  underwriter,  trustee,  partner,  director or
Person performing similar functions;  provided, however, that a Person shall not
fail to be Independent of the Depositor,  the Seller, the Master Servicer or any
Affiliate  thereof merely  because such Person is the beneficial  owner of 1% or
less of any class of securities  issued by the Depositor or the Master  Servicer
or any Affiliate thereof, as the case may be.

      "Independent  Contractor":  Either (i) any Person  (other  than the Master
Servicer)  that would be an  "independent  contractor"  with  respect to REMIC I
within the  meaning of Section  856(d)(3)  of the Code if such REMIC were a real
estate  investment  trust  (except  that the  ownership  tests set forth in that
section  shall be  considered  to be met by any Person  that owns,  directly  or
indirectly,  35% or more of any Class of  Certificates),  so long as such  REMIC
does not  receive or derive any income from such  Person and  provided  that the
relationship  between such Person and such REMIC is at arm's length,  all within
the  meaning of Treasury  Regulation  Section  1.856-4(b)(5),  or (ii) any other
Person  (including  the Master  Servicer)  if the  Trustee  and the  Certificate
Insurer has  received an Opinion of Counsel to the effect that the taking of any
action in respect of any REO Property by such Person,  subject to any conditions
therein  specified,  that is  otherwise  herein  contemplated  to be taken by an
Independent  Contractor shall not cause such REO Property to cease to qualify as
"foreclosure  property"  within the  meaning of Section  860G(a)(8)  of the Code
(determined  without regard to the exception  applicable for purposes of Section
860D(a)  of the  Code),  or cause any  income  realized  in  respect of such REO
Property to fail to qualify as Rents from Real Property.

      "Index":  With  respect  to each  Adjustable-Rate  Mortgage  Loan and each
related  Adjustment  Date,  the  average  of the  interbank  offered  rates  for
six-month United States dollar deposits in the London market as published in THE
WALL STREET JOURNAL and as most recently  available as of the first business day
45 days or more prior to such  Adjustment  Date,  as  specified  in the  related
Mortgage Note.

      "Insurance Agreement":  The Insurance and Indemnity Agreement, dated as of
the Closing Date,  among the  Certificate  Insurer,  the Master Servicer and the
Depositor.

      "Insurance Proceeds": Proceeds of any title policy, hazard policy or other
insurance  policy  covering a Mortgage Loan, to the extent such proceeds are not
to be applied to the restoration of the related  Mortgaged  Property 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,  subject to
the terms and conditions of the related Mortgage Note and Mortgage.

      "Insured Certificates": The Class A-1 Certificates.

                                       27
<PAGE>

      "Interest  Accrual Period":  With respect to any Distribution Date and the
Adjustable-Rate Certificates,  the period commencing on the Distribution Date in
the month immediately preceding the month in which such Distribution Date occurs
(or, in the case of the first Distribution Date, commencing on the Closing Date)
and ending on the day  preceding  such  Distribution  Date.  With respect to any
Distribution Date and the Class CE Certificates,  the REMIC I Regular Interests,
the one-month  period ending on the last day of the calendar month preceding the
month in which such Distribution Date occurs.

      "Interest Carry Forward Amount": With respect to any Distribution Date and
any Class of Class A Certificates or Mezzanine Certificates,  the sum of (i) the
amount, if any, by which (a) the Interest  Distribution Amount for such Class of
Certificates as of the immediately preceding  Distribution Date exceeded (b) the
actual amount  distributed on such Class of  Certificates in respect of interest
on such  immediately  preceding  Distribution  Date and (ii) the  amount  of any
Interest  Carry  Forward  Amount  for  such  Class  of  Certificates   remaining
undistributed from the previous Distribution Date, plus accrued interest thereon
calculated at the related Pass-Through Rate for the most recently ended Interest
Accrual Period.

      "Interest   Determination  Date":  With  respect  to  the  Adjustable-Rate
Certificates,  and solely for purposes of calculating  the Marker Rate,  REMIC I
Regular  Interest  I-LTA1,  REMIC I  Regular  Interest  I-LTA2,  REMIC I Regular
Interest  I-LTA3,  REMIC I Regular  Interest  I-LTA4,  REMIC I Regular  Interest
I-LTA5,  REMIC I Regular Interest I-LTM1, REMIC I Regular Interest I-LTM2, REMIC
I Regular  Interest I-LTM3,  REMIC I Regular  Interest  I-LTM4,  REMIC I Regular
Interest  I-LTM5,  REMIC I Regular  Interest  I-LTM6,  REMIC I Regular  Interest
I-LTM7,  REMIC I Regular  Interest  I-LTM8,  REMIC I Regular Interest I-LTM9 and
REMIC I Regular Interest I-LTM10 and any Interest Accrual Period therefor (other
than the first Interest Accrual Period), the second LIBOR Business Day preceding
the commencement of such Interest Accrual Period.

      "Interest  Distribution Amount": With respect to any Distribution Date and
any  Class of Class A  Certificate  or  Mezzanine  Certificate  and the Class CE
Certificates,  the aggregate Accrued Certificate Interest on the Certificates of
such Class for such Distribution Date.

      "Late Collections":  With respect to any Mortgage Loan and any Due Period,
all amounts received subsequent to the Determination Date immediately  following
such Due Period,  whether as late  payments of Monthly  Payments or as Insurance
Proceeds,  Liquidation  Proceeds,  Subsequent  Recoveries  or  otherwise,  which
represent late payments or collections of principal and/or interest due (without
regard to any  acceleration of payments under the related  Mortgage and Mortgage
Note) but delinquent for such Due Period and not previously recovered.

      "LIBOR  Business  Day":  Any day on which  banks in the City of London and
City of New York are open and conducting transactions in United States dollars.

      "Liquidation  Event":  With  respect  to  any  Mortgage  Loan,  any of the
following events:  (i) such Mortgage Loan is paid in full; (ii) a Final Recovery
Determination  is made as to such Mortgage  Loan; or (iii) such Mortgage Loan is
removed from REMIC I by reason of its being purchased, sold or replaced pursuant
to or as contemplated by Section 2.03, Section

                                       28
<PAGE>

3.16(a)  or  Section  9.01.  With  respect  to any REO  Property,  either of the
following  events:  (i) a Final  Recovery  Determination  is made as to such REO
Property;  or (ii) such REO  Property  is removed  from REMIC I by reason of its
being purchased pursuant to Section 9.01.

      "Liquidation  Proceeds":  The amount  (other  than  Insurance  Proceeds or
amounts  received  in  respect of the  rental of any REO  Property  prior to REO
Disposition)  received by the Master  Servicer in connection with (i) the taking
of all or a part of a  Mortgaged  Property  by  exercise of the power of eminent
domain or  condemnation,  (ii) the  liquidation  of a  defaulted  Mortgage  Loan
through a trustee's sale, foreclosure sale or otherwise or (iii) the repurchase,
substitution  or sale of a Mortgage  Loan or an REO  Property  pursuant to or as
contemplated by Section 2.03, Section 3.13, Section 3.16(a) or Section 9.01.

      "Loan Group": Loan Group I or Loan Group II, as the context requires.

      "Loan Group I": The group of Mortgage  Loans  identified  in the  Mortgage
Loan Schedule as having been assigned to Loan Group I.

      "Loan Group II": The group of Mortgage  Loans  identified  in the Mortgage
Loan Schedule as having been assigned to Loan Group II.

      "Loan-to-Value Ratio": As of any date of determination and with respect to
first  lien  Mortgage  Loans,  the  fraction,  expressed  as a  percentage,  the
numerator of which is the Stated Principal  Balance of the related Mortgage Loan
at such date and the denominator of which is the Value of the related  Mortgaged
Property.

      "Lost Note  Affidavit":  With respect to any Mortgage Loan as to which the
original Mortgage Note has been permanently lost, misplaced or destroyed and has
not been  replaced,  an affidavit from the Seller  certifying  that the original
Mortgage Note has been lost, misplaced or destroyed (together with a copy of the
related Mortgage Note) and indemnifying the Trust Fund against any loss, cost or
liability  resulting from the failure to deliver the original  Mortgage Note, in
the form of Exhibit B hereto.

      "Marker Rate":  With respect to the Class CE Interest and any Distribution
Date, a per annum rate equal to two (2) times the weighted  average of the REMIC
I Remittance Rate for REMIC I Regular Interest I-LTA1,  REMIC I Regular Interest
I-LTA2,  REMIC I Regular Interest I-LTA3, REMIC I Regular Interest I-LTA4, REMIC
I Regular  Interest I-LTA5,  REMIC I Regular  Interest  I-LTM1,  REMIC I Regular
Interest  I-LTM2,  REMIC I Regular  Interest  I-LTM3,  REMIC I Regular  Interest
I-LTM4,  REMIC I Regular Interest I-LTM5, REMIC I Regular Interest I-LTM6, REMIC
I Regular  Interest I-LTM7,  REMIC I Regular  Interest  I-LTM8,  REMIC I Regular
Interest  I-LTM9,  REMIC I Regular Interest I-LTM10 and REMIC I Regular Interest
I-LTZZ,  with the rate on each such REMIC I Regular Interest (other than REMIC I
Regular  Interest  I-LTZZ)  subject to the lesser of (i) LIBOR plus the  related
Certificate  Margin  and  (ii) the  related  Net WAC  Pass-Through  Rate for the
purpose  of this  calculation  for such  Distribution  Date and with the rate on
REMIC I Regular Interest I-LTZZ subject to a cap of zero for the purpose of this
calculation;  provided,  however, that solely for this purpose,  calculations of
the REMIC I Remittance Rate and the related caps with respect to REMIC I Regular
Interest  I-LTA1,  REMIC I Regular  Interest  I-LTA2,  REMIC I Regular  Interest
I-LTA3,

                                       29
<PAGE>

REMIC I Regular  Interest  I-LTA4,  REMIC I  Regular  Interest  I-LTA5,  REMIC I
Regular  Interest  I-LTM1,  REMIC I  Regular  Interest  I-LTM2,  REMIC I Regular
Interest  I-LTM3,  REMIC I Regular  Interest  I-LTM4,  REMIC I Regular  Interest
I-LTM5,  REMIC I Regular Interest I-LTM6, REMIC I Regular Interest I-LTM7, REMIC
I Regular Interest  I-LTM8,  REMIC I Regular Interest I-LTM9 and REMIC I Regular
Interest  I-LTM10 shall be  multiplied by a fraction,  the numerator of which is
the actual number of days in the Interest  Accrual Period and the denominator of
which is 30.

      "Master  Servicer":  HomEq Servicing  Corporation or any successor  master
servicer  appointed  as herein  provided,  in its  capacity  as Master  Servicer
hereunder.

      "Master Servicer Event of Default": One or more of the events described in
Section 7.01.

      "Master Servicer Prepayment Charge Payment Amount": The amounts payable by
the  Master  Servicer  pursuant  to  Section  2.03(b)  in  respect of any waived
Prepayment Charges.

      "Master Servicer  Remittance Date": With respect to any Distribution Date,
1:00  p.m.  New  York  time on the  last  Business  Day  preceding  the  related
Distribution Date.

      "Master Servicer  Reporting Date": With respect to any Distribution  Date,
1:00 p.m.  New York  time on the 18th day of the  calendar  month in which  such
Distribution  Date  occurs  or,  if such  18th day is not a  Business  Day,  the
Business Day immediately succeeding such 18th day.

      "Maximum Cap Rate":  For any  Distribution  Date with respect to the Class
A-1  Certificates,  a per annum rate equal to the sum of (i) the  product of (x)
(a) the weighted  average of the Expense  Adjusted Net Maximum Mortgage Rates of
the Group I Mortgage  Loans,  weighted  on the basis of the  outstanding  Stated
Principal  Balances  of the  Group I  Mortgage  Loans as of the first day of the
month preceding the month in which such  Distribution  Date occurs (after giving
effect to scheduled  payments of principal due during the related Due Period, to
the extent  received or  advanced,  and  unscheduled  collections  of  principal
received during the related  Prepayment Period) minus (b) the product of (i) the
Premium  Rate  and  (ii) a  fraction,  the  numerator  of  which is equal to the
Certificate Principal Balance of the Insured Certificates and the denominator of
which  is equal to the  outstanding  Stated  Principal  Balance  of the  Group I
Mortgage  Loans  and  (y) a  fraction,  the  numerator  of  which  is 30 and the
denominator  of  which is the  actual  number  of days  elapsed  in the  related
Interest  Accrual  Period  and (ii) the  related  Cap  Contract  Excess.  If the
Certificate  Principal  Balance  of  the  applicable  Certificates  exceeds  the
applicable  notional balance for such Distribution Date, the Cap Contract Excess
is to be  adjusted  by  multiplying  the  applicable  Cap  Contract  Excess by a
fraction,  the numerator of which is the  applicable  notional  balance for such
Distribution  Date and the  denominator  of which is the  Certificate  Principal
Balance of the Class A-1  Certificates  immediately  prior to such  Distribution
Date.

      For any Distribution Date with respect to the Group II Certificates, a per
annum rate equal to the sum of (i) the  product of (x) the  weighted  average of
the Expense Adjusted Net

                                       30
<PAGE>

Maximum Mortgage Rates of the Group II Mortgage Loans,  weighted on the basis of
the outstanding  Stated Principal  Balances of the Group II Mortgage Loans as of
the first day of the month preceding the month in which such  Distribution  Date
occurs (after  giving  effect to scheduled  payments of principal due during the
related  Due  Period,  to the  extent  received  or  advanced,  and  unscheduled
collections of principal  received during the related Prepayment Period) and (y)
a fraction,  the  numerator of which is 30 and the  denominator  of which is the
actual number of days elapsed in the related  Interest  Accrual  Period and (ii)
the related Cap Contract  Excess.  If the Certificate  Principal  Balance of the
applicable  Certificates  exceeds  the  applicable  notional  balance  for  such
Distribution  Date, the Cap Contract Excess is to be adjusted by multiplying the
applicable  Cap  Contract  Excess by a fraction,  the  numerator of which is the
applicable  notional balance for such  Distribution  Date and the denominator of
which  is  the  aggregate   Certificate   Principal  Balance  of  the  Group  II
Certificates immediately prior to such Distribution Date.

      For any Distribution  Date with respect to the Mezzanine  Certificates,  a
per annum rate equal to the sum of (i) the product of (x) the weighted  average,
weighted on the basis of the results of  subtracting  from the aggregate  Stated
Principal Balance of each Loan Group the current  Certificate  Principal Balance
of the related Class A Certificates,  of the weighted  average Expense  Adjusted
Net Maximum  Mortgage  Rates of the Group I Mortgage Loans (minus the product of
(i) the Premium Rate and (ii) a fraction, the numerator of which is equal to the
Certificate Principal Balance of the Insured Certificates and the denominator of
which  is equal to the  outstanding  Stated  Principal  Balance  of the  Group I
Mortgage  Loans)  and the  Group  II  Mortgage  Loans  and (y) a  fraction,  the
numerator of which is 30 and the  denominator  of which is the actual  number of
days  elapsed in the related  Interest  Accrual  Period and (ii) the related Cap
Contract  Excess.  If  the  Certificate  Principal  Balance  of  the  applicable
Certificates exceeds the applicable notional balance for such Distribution Date,
the Cap Contract  Excess is to be adjusted by  multiplying  the  applicable  Cap
Contract Excess by a fraction, the numerator of which is the applicable notional
balance for such Distribution Date and the denominator of which is the aggregate
Certificate Principal Balance of the Mezzanine Certificates immediately prior to
such Distribution Date.

      "Maximum I-LTZZ Uncertificated  Interest Deferral Amount": With respect to
any  Distribution  Date,  the  excess  of (i)  accrued  interest  at the REMIC I
Remittance  Rate  applicable  to  REMIC  I  Regular  Interest  I-LTZZ  for  such
Distribution  Date on a balance equal to the  Uncertificated  Balance of REMIC I
Regular Interest I-LTZZ minus the REMIC I Overcollateralization  Amount, in each
case for such Distribution  Date, over (ii)  Uncertificated  Interest on REMIC I
Regular  Interest  I-LTA1,  REMIC I  Regular  Interest  I-LTA2,  REMIC I Regular
Interest  I-LTA3,  REMIC I Regular  Interest  I-LTA4,  REMIC I Regular  Interest
I-LTA5,  REMIC I Regular Interest I-LTM1, REMIC I Regular Interest I-LTM2, REMIC
I Regular  Interest I-LTM3,  REMIC I Regular  Interest  I-LTM4,  REMIC I Regular
Interest  I-LTM5,  REMIC I Regular  Interest  I-LTM6,  REMIC I Regular  Interest
I-LTM7,  REMIC I Regular  Interest  I-LTM8,  REMIC I Regular Interest I-LTM9 and
REMIC I Regular  Interest I-LTM10 for such  Distribution  Date, with the rate on
each such REMIC I Regular  Interest  subject to a cap equal to the lesser of (i)
LIBOR  plus  the  related  Certificate  Margin  and  (ii)  the  related  Net WAC
Pass-Through Rate; provided, however, that solely for this purpose, calculations
of the REMIC I  Remittance  Rate and the related  caps with respect to each such
REMIC I Regular Interest (other

                                       31
<PAGE>

than REMIC I Regular  Interest  I-LTZZ) shall be  multiplied by a fraction,  the
numerator of which is the actual number of days in the Interest  Accrual  Period
and the denominator of which is 30.

      "Maximum  Mortgage Rate":  With respect to each  Adjustable-Rate  Mortgage
Loan,  the  percentage  set forth in the  related  Mortgage  Note as the maximum
Mortgage Rate thereunder.

      "Mezzanine  Certificate":  Any of the  Class M-1  Certificates,  Class M-2
Certificates,   Class  M-3  Certificates,  Class  M-4  Certificates,  Class  M-5
Certificates,   Class  M-6  Certificates,  Class  M-7  Certificates,  Class  M-8
Certificates, Class M-9 Certificates and Class M-10 Certificates.

      "Minimum  Mortgage Rate":  With respect to each  Adjustable-Rate  Mortgage
Loan,  the  percentage  set forth in the  related  Mortgage  Note as the minimum
Mortgage Rate thereunder.

      "Monthly  Payment":  With  respect to any  Mortgage  Loan,  the  scheduled
monthly payment of principal and interest on such Mortgage Loan which is payable
by the  related  Mortgagor  from time to time under the related  Mortgage  Note,
determined:  (a) after giving effect to (i) any Deficient  Valuation and/or Debt
Service  Reduction  with respect to such Mortgage Loan and (ii) any reduction in
the amount of interest  collectible from the related  Mortgagor  pursuant to the
Relief Act; (b) without  giving effect to any extension  granted or agreed to by
the Master Servicer pursuant to Section 3.02; and (c) on the assumption that all
other amounts, if any, due under such Mortgage Loan are paid when due.

      "Moody's": Moody's Investors Service, Inc., or its successor in interest.

      "Mortgage":  The mortgage,  deed of trust or other  instrument  creating a
first lien or second lien on a Mortgaged 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  Loan":  Each  mortgage  loan  transferred  and  assigned to the
Trustee  pursuant to Section 2.01 or Section 2.03(d) of this Agreement,  as held
from  time to time as a part of  REMIC  I,  the  Mortgage  Loans  so held  being
identified in the Mortgage Loan Schedule.

      "Mortgage Loan Purchase  Agreement":  The agreement between the Seller and
the Depositor,  regarding the transfer of the Mortgage Loans by the Seller to or
at the  direction  of the  Depositor,  substantially  in the form of  Exhibit  D
annexed hereto.

      "Mortgage  Loan  Schedule":  As of any date,  the list of  Mortgage  Loans
included in REMIC I on such date,  separately  identifying  the Group I Mortgage
Loans and the Group II  Mortgage  Loans,  attached  hereto  as  Schedule  1. The
Mortgage Loan Schedule shall set forth the following information with respect to
each Mortgage Loan:

            (1) the Seller's Mortgage Loan identifying number;

                                       32
<PAGE>

            (2) [Reserved];

            (3) the state and zip code of the Mortgaged Property;

            (4)  a  code   indicating   whether   the   Mortgaged   Property  is
      owner-occupied;

            (5) the type of  Residential  Dwelling  constituting  the  Mortgaged
      Property;

            (6) the original months to maturity;

            (7) the  Loan-to-Value  Ratio  or  Combined  Loan-to-Value  Ratio at
      origination;

            (8) the Mortgage  Rate in effect  immediately  following the Cut-off
      Date;

            (9) the date on  which  the  first  Monthly  Payment  was due on the
      Mortgage Loan;

            (10) the stated maturity date;

            (11) the  amount of the  Monthly  Payment  due on the first Due Date
      after the Cut-off Date;

            (12)  the last Due Date on  which a  Monthly  Payment  was  actually
      applied to the unpaid Stated Principal Balance;

            (13) the original principal amount of the Mortgage Loan;

            (14) the Scheduled  Principal Balance of the Mortgage Loan as of the
      close of business on the Cut-off Date;

            (15) with respect to the  Adjustable-Rate  Mortgage Loans, the Gross
      Margin;

            (16) a code  indicating  the  purpose of the  Mortgage  Loan  (I.E.,
      purchase,   refinance  debt  consolidation   cashout,  or  refinance  debt
      consolidation no cashout);

            (17) with respect to the Adjustable-Rate Mortgage Loans, the Maximum
      Mortgage Rate;

            (18) with respect to the Adjustable-Rate Mortgage Loans, the Minimum
      Mortgage Rate;

            (19) the Mortgage Rate at origination;

            (20)  with  respect  to  the  Adjustable-Rate  Mortgage  Loans,  the
      Periodic  Rate Cap and the maximum  first  Adjustment  Date  Mortgage Rate
      adjustment;

            (21)  a  code  indicating  the  documentation  program  (I.E.,  Full
      Documentation, Limited Documentation or Stated Income);

                                       33
<PAGE>

            (22) with respect to the  Adjustable-Rate  Mortgage Loans, the first
      Adjustment Date immediately following the Cut-off Date;

            (23) the risk grade;

            (24) the Value of the Mortgaged Property;

            (25) the sale price of the Mortgaged Property, if applicable; and

            (26) the FICO score of the primary Mortgagor.

      The Mortgage Loan Schedule shall set forth the following  information with
respect  to the  Mortgage  Loans by Loan  Group and in the  aggregate  as of the
Cut-off Date: (1) the number of Mortgage Loans; (2) the current Stated Principal
Balance of the Mortgage  Loans;  (3) the weighted  average  Mortgage Rate of the
Mortgage Loans; and (4) the weighted average maturity of the Mortgage Loans. The
Mortgage  Loan  Schedule  shall be amended from time to time by the Depositor in
accordance with the provisions of this Agreement.  With respect to any Qualified
Substitute  Mortgage Loan,  the Cut-off Date shall refer to the related  Cut-off
Date for such Mortgage  Loan,  determined in accordance  with the  definition of
Cut-off Date herein.

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

      "Mortgage Pool": The pool of Mortgage Loans, identified on Schedule 1 from
time to time, and any REO Properties acquired in respect thereof.

      "Mortgage  Rate":  With respect to each Mortgage  Loan, the annual rate at
which  interest  accrues on such  Mortgage  Loan from time to time in accordance
with the provisions of the related Mortgage Note, which rate (i) with respect to
each Fixed-Rate Mortgage Loan shall remain constant at the rate set forth in the
Mortgage Loan Schedule as the Mortgage Rate in effect immediately  following the
Cut-off Date and (ii) with respect to the Adjustable-Rate Mortgage Loans, (A) as
of any date of  determination  until the first  Adjustment  Date  following  the
Cut-off  Date shall be the rate set forth in the Mortgage  Loan  Schedule as the
Mortgage Rate in effect immediately following the Cut-off Date and (B) as of any
date of  determination  thereafter  shall  be the rate as  adjusted  on the most
recent  Adjustment  Date  equal to the sum,  rounded  to the  nearest  0.125% as
provided in the Mortgage Note, of the Index, as most recently  available as of a
date prior to the  Adjustment  Date as set forth in the related  Mortgage  Note,
plus  the  related  Gross  Margin;  provided  that  the  Mortgage  Rate  on such
Adjustable-Rate  Mortgage Loan on any  Adjustment  Date shall never be more than
the lesser of (i) the sum of the Mortgage  Rate in effect  immediately  prior to
the  Adjustment  Date plus the related  Periodic  Rate Cap, if any, and (ii) the
related  Maximum  Mortgage Rate, and shall never be less than the greater of (i)
the Mortgage Rate in effect  immediately  prior to the Adjustment  Date less the
Periodic  Rate Cap, if any, and (ii) the related  Minimum  Mortgage  Rate.  With
respect to each Mortgage  Loan that becomes an REO  Property,  as of any date of
determination,  the annual rate  determined in accordance  with the  immediately
preceding sentence as of the date such Mortgage Loan became an REO Property.

                                       34
<PAGE>

      "Mortgaged  Property":  The underlying  property identified in the related
Mortgage as securing a Mortgage Loan, including any REO Property,  consisting of
an Estate in Real Property  improved by a Residential  Dwelling  (excluding  for
purposes of construing the  representations  or warranties  made in the Mortgage
Loan  Purchase  Agreement,  any  improvements  thereupon  not  considered by the
appraiser in determining the Value of such Mortgaged Property).

      "Mortgagor": The obligor on a Mortgage Note.

      "Net Monthly Excess Cashflow":  With respect to any Distribution Date, the
sum of (i) any Overcollateralization Reduction Amount for such Distribution Date
and (ii) the excess of (x) the Available Funds for such  Distribution  Date over
(y) the sum for such Distribution  Date of (A) the Senior Interest  Distribution
Amount,  (B)  the  Interest   Distribution  Amounts  payable  to  the  Mezzanine
Certificates, (C) the Principal Remittance Amount and (D) any amount paid to the
Certificate Insurer pursuant to Sections 4.01(a)(2) and 4.01(a)(3).

      "Net Mortgage Rate": With respect to any Mortgage Loan (or the related REO
Property) as of any date of determination, a per annum rate of interest equal to
the then applicable Mortgage Rate for such Mortgage Loan minus the Servicing Fee
Rate.

      "Net WAC Pass-Through Rate": For any Distribution Date with respect to the
Class A-1  Certificates,  a per annum rate  equal to the  product of (x) (a) the
weighted  average of the  Expense  Adjusted  Net  Mortgage  Rates of the Group I
Mortgage  Loans,  weighted  on the  basis of the  outstanding  Stated  Principal
Balances  of the  Group  I  Mortgage  Loans  as of the  first  day of the  month
preceding the month of such  Distribution Date (after giving effect to scheduled
payments of principal due during the related Due Period,  to the extent received
or  advanced,  and  unscheduled  collections  of principal  received  during the
related  Prepayment  Period)  minus (b) the product of (i) the Premium  Rate and
(ii) a fraction,  the numerator of which is equal to the  Certificate  Principal
Balance of the Insured Certificates and the denominator of which is equal to the
outstanding  Stated  Principal  Balance of the Group I Mortgage  Loans and (y) a
fraction,  the  numerator  of  which is 30 and the  denominator  of which is the
actual  number of days  elapsed in the  related  Interest  Accrual  Period.  For
federal  income tax  purposes,  the  economic  equivalent  of such rate shall be
expressed  as the  weighted  average of the REMIC I  Remittance  Rate on REMIC I
Regular Interest I-LT1GRP,  weighted on the basis of the Uncertificated  Balance
of such  REMIC I  Regular  Interest  minus  the  Premium  Rate  multiplied  by a
fraction,  the numerator of which is the  Certificate  Principal  Balance of the
Class A-1  Certificates  and the  denominator  of which is the aggregate  Stated
Principal Balance of the Group I Mortgage Loans.

      For any Distribution Date with respect to the Group II Certificates, a per
annum  rate  equal to the  product of (x) the  weighted  average of the  Expense
Adjusted  Net  Mortgage  Rates of the Group II Mortgage  Loans,  weighted on the
basis of the  outstanding  Stated  Principal  Balances  of the Group II Mortgage
Loans as of the first day of the month preceding the month of such  Distribution
Date (after  giving  effect to scheduled  payments of  principal  due during the
related  Due  Period,  to the  extent  received  or  advanced,  and  unscheduled
collections of principal  received during the related Prepayment Period) and (y)
a fraction,  the  numerator of which is 30 and the  denominator  of which is the
actual  number of days  elapsed in the  related  Interest  Accrual  Period.  For
federal  income tax  purposes,  the  economic  equivalent  of such rate shall be
expressed

                                       35
<PAGE>

as the  weighted  average  of the  REMIC I  Remittance  Rate on REMIC I  Regular
Interest I-LT2GRP,  weighted on the basis of the Uncertificated  Balance of such
REMIC I Regular Interest.

      For any Distribution  Date with respect to the Mezzanine  Certificates,  a
per annum rate equal to the product of (x) the weighted average (weighted on the
basis of the results of subtracting from the aggregate Stated Principal  Balance
of each Loan Group the  current  Certificate  Principal  Balance of the  related
Class A Certificates)  of (i) (a) the weighted  average of the Expense  Adjusted
Net  Mortgage  Rates of the  Group I  Mortgage  Loans as of the first day of the
month  preceding  the month of such  Distribution  Date (after  giving effect to
scheduled payments of principal due during the related Due Period, to the extent
received or advanced,  and unscheduled  collections of principal received during
the related Prepayment Period) minus (b) the product of (i) the Premium Rate and
(ii) a fraction,  the numerator of which is equal to the  Certificate  Principal
Balance of the Insured Certificates and the denominator of which is equal to the
outstanding  Stated Principal Balance of the Group I Mortgage Loans and (ii) the
weighted  average of the Expense  Adjusted  Net  Mortgage  Rates of the Group II
Mortgage  Loans as of the  first day of the  month  preceding  the month of such
Distribution  Date (after giving  effect to scheduled  payments of principal due
during  the  related  Due  Period,  to the  extent  received  or  advanced,  and
unscheduled  collections  of principal  received  during the related  Prepayment
Period) and (y) a fraction,  the numerator of which is 30 and the denominator of
which is the actual  number of days  elapsed  in the  related  Interest  Accrual
Period.  For federal income tax purposes,  the economic  equivalent of such rate
shall be expressed as the  weighted  average of the REMIC I Remittance  Rates on
(a) REMIC I Regular Interest I-LT1SUB, subject to a cap and a floor equal to the
Expense  Adjusted Net Mortgage Rates of the Group I Mortgage Loans and (b) REMIC
I Regular Interest  I-LT2SUB,  subject to a cap and a floor equal to the Expense
Adjusted Net Mortgage Rates of the Group II Mortgage Loans weighted on the basis
of the  Uncertificated  Balance of each such REMIC I Regular  Interest minus (b)
the product of (i) the Premium Rate and (ii) a fraction,  the numerator of which
is equal to the Certificate  Principal  Balance of the Insured  Certificates and
the denominator of which is equal to the outstanding Stated Principal Balance of
the Group I Mortgage Loans.

      "Net WAC Rate  Carryover  Amount":  With  respect  to any Class of Class A
Certificates and the Mezzanine  Certificates and any Distribution  Date, the sum
of (A) the excess of (i) the amount of  interest  such  Certificates  would have
accrued for such  Distribution  Date had the applicable  Pass-Through  Rate been
calculated at the related Formula Rate, over (ii) the amount of interest accrued
on  such  Certificates  at the  related  Net  WAC  Pass-Through  Rate  for  such
Distribution  Date and (B) the  related  Net WAC Rate  Carryover  Amount for the
previous  Distribution Date not previously paid,  together with interest thereon
at a rate equal to the related  Formula Rate  applicable  for such Class in each
case for the Interest Accrual Period for the current Distribution Date.

      "Net WAC  Rate  Carryover  Reserve  Account":  The Net WAC Rate  Carryover
Reserve Account established and maintained pursuant to Section 4.10.

      "New Lease":  Any lease of REO Property entered into on behalf of REMIC I,
including any lease renewed or extended on behalf of REMIC I, if REMIC I has the
right to renegotiate the terms of such lease.

                                       36
<PAGE>

      "NIMS Insurer":  Any insurer that is guaranteeing  certain  payments under
notes secured by collateral which includes, among other things, all or a portion
of the Class CE  Certificates,  the Class P  Certificates  and/or  the  Residual
Certificates.

      "Nonrecoverable  Advance":  Any Advance  previously made or proposed to be
made in respect  of a  Mortgage  Loan or REO  Property  that,  in the good faith
business judgment of the Master Servicer, will not or, in the case of a proposed
Advance,  would not be  ultimately  recoverable  from related Late  Collections,
Insurance Proceeds or Liquidation Proceeds on such Mortgage Loan or REO Property
as provided herein.

      "Nonrecoverable  Servicing Advance": Any Servicing Advance previously made
or proposed to be made in respect of a Mortgage  Loan or REO Property  that,  in
the good faith  business  judgment of the Master  Servicer,  will not or, in the
case of a proposed Servicing Advance,  would not be ultimately  recoverable from
related Late  Collections,  Insurance  Proceeds or Liquidation  Proceeds on such
Mortgage Loan or REO Property as provided herein.

      "Non-United States Person": Any Person other than a United States Person.

      "Notional  Amount":  With  respect  to  the  Class  CE  Interest  and  any
Distribution Date, the Uncertificated  Balances of the REMIC I Regular Interests
(other  than  REMIC  I  Regular  Interest  I-LTP),  immediately  prior  to  such
Distribution Date.

      "Officers'  Certificate":  With respect to the  Depositor,  a  certificate
signed by the  Chairman  of the  Board,  the Vice  Chairman  of the  Board,  the
President or a vice president (however denominated),  and by the Treasurer,  the
Secretary,  or one of the assistant  treasurers or assistant  secretaries.  With
respect to the Master  Servicer,  any officer who is  authorized  to act for the
Master  Servicer in matters  relating  to this  Agreement,  and whose  action is
binding upon the Master Servicer,  initially  including those  individuals whose
names appear on the list of authorized officers delivered at the closing.

      "Offered  Certificate":  Any  one of the  Class  A  Certificates  and  the
Mezzanine  Certificates  (other than the Class M-10  Certificates)  issued under
this Agreement.

      "One-Month LIBOR": With respect to the Adjustable-Rate Certificates, REMIC
I Regular  Interest I-LTA1,  REMIC I Regular  Interest  I-LTA2,  REMIC I Regular
Interest  I-LTA3,  REMIC I Regular  Interest  I-LTA4,  REMIC I Regular  Interest
I-LTA5,  REMIC I Regular Interest I-LTM1, REMIC I Regular Interest I-LTM2, REMIC
I Regular  Interest I-LTM3,  REMIC I Regular  Interest  I-LTM4,  REMIC I Regular
Interest  I-LTM5,  REMIC I Regular  Interest  I-LTM6,  REMIC I Regular  Interest
I-LTM7,  REMIC I Regular  Interest  I-LTM8,  REMIC I Regular Interest I-LTM9 and
REMIC I Regular Interest  I-LTM10 and any Interest Accrual Period therefor,  the
rate determined by the Trustee on the related Interest Determination Date on the
basis of the offered  rate for  one-month  U.S.  dollar  deposits,  as such rate
appears on Telerate  Page 3750 as of 11:00 a.m.  (London  time) on such Interest
Determination  Date; provided that if such rate does not appear on Telerate Page
3750,  the rate for such date shall be  determined  on the basis of the  offered
rates of the Reference  Banks for one-month U.S.  dollar  deposits,  as of 11:00
a.m.  (London time) on such  Interest  Determination  Date.  In such event,  the
Trustee will request the principal  London office of each of the Reference Banks
to provide a

                                       37
<PAGE>

quotation  of its rate.  If on such  Interest  Determination  Date,  two or more
Reference Banks provide such offered quotations, One-Month LIBOR for the related
Interest Accrual Period shall be the arithmetic mean of such offered  quotations
(rounded upwards,  if necessary,  to the nearest whole multiple of 1/16%). If on
such Interest  Determination  Date,  fewer than two Reference Banks provide such
offered  quotations,  One-Month  LIBOR for the related  Interest  Accrual Period
shall  be the  higher  of (i)  LIBOR  as  determined  on the  previous  Interest
Determination  Date and (ii) the  Reserve  Interest  Rate.  Notwithstanding  the
foregoing,  if,  under the  priorities  described  above,  LIBOR for an Interest
Determination   Date  would  be  based  on  LIBOR  for  the  previous   Interest
Determination Date for the third consecutive  Interest  Determination  Date, the
Trustee shall select,  after  consultation with the Depositor,  the NIMS Insurer
and the Certificate  Insurer,  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.

      "Opinion  of  Counsel":  A written  opinion of counsel,  who may,  without
limitation,  be  salaried  counsel  for the  Depositor  or the  Master  Servicer
acceptable  to the Trustee,  if such opinion is delivered to the Trustee and the
Certificate  Insurer,  if such opinion is delivered to the Certificate  Insurer,
except that any  opinion of counsel  relating  to (a) the  qualification  of any
Trust REMIC as a REMIC or (b) compliance  with the REMIC  Provisions  must be an
opinion of Independent counsel.

      "Optional  Termination  Date":  The first  Distribution  Date on which the
aggregate  Stated  Principal  Balance  of the  Mortgage  Loans  (and  properties
acquired in respect thereof) remaining in the Trust Fund is reduced to an amount
less than 10% of the aggregate Stated Principal Balance of the Mortgage Loans as
of the Cut-off Date.

      "Originators":  Collectively,  Argent  Mortgage  Company,  LLC and Olympus
Mortgage Company.

      "Overcollateralization   Deficiency   Amount":   With   respect   to   any
Distribution Date, the excess, if any, of (a) the  Overcollateralization  Target
Amount  applicable  to such  Distribution  Date over (b) the  Overcollateralized
Amount  applicable to such  Distribution  Date (calculated for this purpose only
after assuming that 100% of the Principal Remittance Amount on such Distribution
Date has been distributed).

      "Overcollateralization  Increase Amount": With respect to any Distribution
Date, the lesser of (a) the  Overcollateralization  Deficiency Amount as of such
Distribution  Date and (b) the Net Monthly Excess Cashflow for such Distribution
Date.

      "Overcollateralization Reduction Amount": With respect to any Distribution
Date, an amount equal to the lesser of (a) the Excess  Overcollateralized Amount
on such  Distribution  Date  and (b) the  Principal  Remittance  Amount  on such
Distribution Date.

      "Overcollateralization  Target Amount":  With respect to any  Distribution
Date (i) prior to the Stepdown  Date,  3.25% of the aggregate  Stated  Principal
Balance  of the  Mortgage  Loans as of the  Cut-off  Date,  (ii) on or after the
Stepdown  Date  provided a Trigger  Event is not in effect,  the  greater of (x)
6.50% of the aggregate Stated Principal Balance of the Mortgage

                                       38
<PAGE>

Loans as of the last day of the  related  Due  Period  (after  giving  effect to
scheduled payments of principal due during the related Due Period, to the extent
received or advanced and  unscheduled  collections of principal  received during
the related Prepayment  Period) and (y) $9,999,999.96,  or (iii) on or after the
Stepdown  Date and if a Trigger  Event is in effect,  the  Overcollateralization
Target Amount for the immediately preceding  Distribution Date.  Notwithstanding
the foregoing, on and after any Distribution Date following the reduction of the
aggregate  Certificate  Principal  Balance of the Class A  Certificates  and the
Mezzanine Certificates to zero, the Overcollateralization Target Amount shall be
zero.

      "Overcollateralized  Amount":  With respect to any Distribution  Date, the
excess,  if any, of (a) the aggregate Stated Principal  Balances of the Mortgage
Loans and REO Properties  immediately  following such  Distribution  Date (after
giving  effect to  scheduled  payments of  principal  due during the related Due
Period,  to the extent  received or advanced,  and  unscheduled  collections  of
principal  received during the related Prepayment  Period),  over (b) the sum of
the aggregate  Certificate  Principal Balances of the Class A Certificates,  the
Mezzanine Certificates and the Class P Certificates as of such Distribution Date
(after giving effect to distributions to be made on such Distribution Date).

      "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":  With  respect  to  any  Class  of  Adjustable-Rate
Certificates  and any  Distribution  Date, the lesser of (x) the related Formula
Rate for such  Distribution  Date and (y) the related Net WAC Pass-Through  Rate
for such  Distribution  Date. For federal income tax purposes,  the Pass-Through
Rate for the Adjustable-Rate  Certificates will be calculated without respect to
any Cap Contract  Excess,  which such amounts,  if any,  shall have been paid in
respect of Net WAC Rate Carryover  Amounts and paid outside of any REMIC created
herein.

      With  respect to the Class CE Interest and any  Distribution  Date, a rate
per annum equal to the  percentage  equivalent  of a fraction,  the numerator of
which is the sum of the amounts  calculated  pursuant to clauses (A) through (R)
below, and the denominator of which is the aggregate  Uncertificated  Balance of
REMIC I Regular  Interests  I-LTAA,  I-LTA1,  I-LTA2,  I-LTA3,  I-LTA4,  I-LTA5,
I-LTM1,  I-LTM2,  I-LTM3,  I-LTM4,  I-LTM5,  I-LTM6,  I-LTM7, I-LTM8, I-LTM9 and
I-LTM10.  For purposes of  calculating  the  Pass-Through  Rate for the Class CE
Certificates, the numerator is equal to the sum of the following components:

            (A) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTAA
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTAA;

            (B) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTA1
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTA1;

                                       39
<PAGE>

            (C) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTA2
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTA2;

            (D) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTA3
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTA3;

            (E) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTA4
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTA4;

            (F) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTA5
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTA5;

            (G) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTM1
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTM1;

            (H) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTM2
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTM2;

            (I) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTM3
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTM3;

            (J) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTM4
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTM4;

            (K) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTM5
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTM5;

            (L) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTM6
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTM6;

            (M) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTM7
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTM7;

            (N) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTM8
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTM8;

                                       40
<PAGE>

            (O) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTM9
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTM9;

            (P) the REMIC I Remittance Rate for REMIC I Regular Interest I-LTM10
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTM10;

            (Q) the REMIC I Remittance Rate for REMIC I Regular  Interest I-LTZZ
      minus the Marker Rate,  applied to an amount  equal to the  Uncertificated
      Balance of REMIC I Regular Interest I-LTZZ; and

            (R) 100% of the interest on REMIC I Regular Interest I-LTP.

      With  respect  to  the  Class  CE  Certificates,   100%  of  the  interest
distributable to the Class CE Interest, expressed as a per annum rate.

      "Percentage  Interest":  With respect to any Class of Certificates  (other
than the Residual  Certificates),  the  undivided  percentage  ownership in such
Class evidenced by such Certificate, expressed as a percentage, the numerator of
which  is  the  initial   Certificate   Principal  Balance  or  Notional  Amount
represented by such  Certificate  and the  denominator of which is the aggregate
initial  Certificate  Principal  Balance  or  Notional  Amount  of  all  of  the
Certificates  of  such  Class.  The  Class  A  Certificates  and  the  Mezzanine
Certificates  (other  than the Class M-10  Certificates)  are  issuable  only in
minimum  Percentage  Interests  corresponding  to  minimum  initial  Certificate
Principal Balances of $25,000 and integral multiples of $1.00 in excess thereof.
The Class M-10  Certificates are issuable only in minimum  Percentage  Interests
corresponding to minimum initial  Certificate  Principal Balances of $50,000 and
integral  multiples of $1.00 in excess  thereof.  The Class P  Certificates  are
issuable only in minimum Percentage  Interests  corresponding to minimum initial
Certificate  Principal Balances of $20 and integral multiples thereof. The Class
CE Certificates are issuable only in minimum Percentage Interests  corresponding
to minimum initial Notional Amount of $10,000 and integral multiples of $1.00 in
excess thereof;  provided,  however,  that a single Certificate of such Class of
Certificates  may be issued having a Percentage  Interest  corresponding  to the
remainder of the aggregate  initial  Certificate  Principal  Balance or Notional
Amount of such Class or to an otherwise  authorized  denomination for such Class
plus such  remainder.  With respect to any Residual  Certificate,  the undivided
percentage  ownership in such Class evidenced by such Certificate,  as set forth
on the face of such  Certificate.  The  Residual  Certificates  are  issuable in
Percentage Interests of 20% and multiples thereof.

      "Periodic Rate Cap":  With respect to each  Adjustable-Rate  Mortgage Loan
and any Adjustment Date therefor,  the fixed percentage set forth in the related
Mortgage  Note,  which is the maximum amount by which the Mortgage Rate for such
Mortgage Loan may increase or decrease  (without regard to the Maximum  Mortgage
Rate or the Minimum  Mortgage  Rate) on such  Adjustment  Date from the Mortgage
Rate in effect immediately prior to such Adjustment Date.

                                       41
<PAGE>

      "Permitted  Investments":  Any one or more of the following obligations or
securities  acquired at a purchase price of not greater than par,  regardless of
whether  issued by the Depositor,  the Master  Servicer,  the NIMS Insurer,  the
Trustee or any of their respective Affiliates:

            (i) direct  obligations  of, or obligations  fully  guaranteed as to
      timely  payment of principal  and  interest  by, the United  States or any
      agency or instrumentality thereof, provided such obligations are backed by
      the full faith and credit of the United States;

            (ii) demand and time  deposits  in,  certificates  of deposit of, or
      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 and
      issued by, any Depository Institution;

            (iii) repurchase  obligations with respect to any security described
      in clause (i) above entered into with a Depository  Institution (acting as
      principal);

            (iv)  securities  bearing  interest  or sold at a discount  that are
      issued by any corporation incorporated under the laws of the United States
      of America or any state  thereof and that are rated by each Rating  Agency
      that rates such  securities  in its  highest  long-term  unsecured  rating
      categories  at the  time  of such  investment  or  contractual  commitment
      providing for such investment;

            (v) commercial paper (including both  non-interest-bearing  discount
      obligations  and  interest-bearing  obligations  payable on demand or on a
      specified  date  not  more  than 30 days  after  the  date of  acquisition
      thereof) that is rated by each Rating Agency that rates such securities in
      its highest short-term unsecured debt rating available at the time of such
      investment;

            (vi) units of money  market  funds,  including  money  market  funds
      managed or advised by the Trustee or an Affiliate thereof,  that have been
      rated "Aaa" by Moody's,  "AAA" by Fitch and "AAAm" by S&P (if rated by the
      respective Rating Agency); and

            (vii)  if  previously  confirmed  in  writing  to  the  Trustee  and
      consented to by the NIMS Insurer and the  Certificate  Insurer,  any other
      demand, money market or time deposit, or any other obligation, security or
      investment,  as may be  acceptable  to the Rating  Agencies as a permitted
      investment of funds backing  securities  having ratings  equivalent to its
      highest initial rating of the Class A Certificates;

provided,  however, that no instrument described hereunder shall evidence either
the  right  to  receive  (a)  only  interest  with  respect  to the  obligations
underlying such instrument or (b) both principal and interest  payments  derived
from  obligations  underlying  such  instrument  and the interest and  principal
payments  with  respect to such  instrument  provide a yield to  maturity at par
greater than 120% of the yield to maturity at par of the underlying obligations.

      "Permitted  Transferee":  Any Transferee of a Residual  Certificate  other
than a Disqualified Organization or Non-United States Person.

                                       42
<PAGE>

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

      "Plan":  Any employee  benefit plan or certain other  retirement plans and
arrangements,  including  individual  retirement  accounts and annuities,  Keogh
plans and bank  collective  investment  funds and insurance  company  general or
separate  accounts in which such plans,  accounts or arrangements  are invested,
that are subject to ERISA or Section 4975 of the Code.

      "Policy  Payment":  With respect to any Distribution  Date, the amount, if
any, paid under the Certificate Insurance Policy for such Distribution Date.

      "Policy  Payment  Account":  The  separate  Eligible  Account  created and
maintained  by the Trustee  pursuant to Section  4.11 in the name of the Trustee
for the benefit of the Class A-1 Certificateholders and the Certificate Insurer,
and designated "Wells Fargo Bank, N.A., as Trustee,  in trust for the registered
holders of Park Place Securities,  Inc., Asset-Backed Pass-Through Certificates,
Series 2004-WHQ1, Class A-1 Certificates."

      "Premium  Amount":  As to any  Distribution  Date,  the product of (x) the
Premium  Rate  and  (y) the  Certificate  Principal  Balance  of the  Class  A-1
Certificates immediately prior to such Distribution Date.

      "Premium Rate": The per annum rate at which the "Premium" is determined as
described in the Premium Letter,  dated September 7, 2004, among the Certificate
Insurer, the Seller, the Master Servicer,  the Trustee and the Depositor (a copy
of which has been provided by the Depositor to the Trustee).

      "Prepayment Assumption": As defined in the Prospectus Supplement.

      "Prepayment Charge": With respect to any Prepayment Period, any prepayment
premium,  fee or charge payable by a Mortgagor in connection  with any Principal
Prepayment  pursuant to the terms of the related  Mortgage  Note as from time to
time held as a part of the Trust  Fund,  the  Prepayment  Charges  so held being
identified in the Prepayment  Charge  Schedule  (other than any Master  Servicer
Prepayment Charge Payment Amount).

      "Prepayment  Charge  Schedule":  As of any  date,  the list of  Prepayment
Charges  included in the Trust Fund on such date,  attached hereto as Schedule 2
(including  the  prepayment  charge summary  attached  thereto).  The Prepayment
Charge Schedule shall set forth the following  information  with respect to each
Prepayment Charge:

            (i) the Mortgage Loan identifying number;

            (ii) a code indicating the type of Prepayment Charge;

            (iii)  the date on which the first  Monthly  Payment  was due on the
      related Mortgage Loan;

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<PAGE>

            (iv) the term of the related Prepayment Charge;

            (v) the original Stated  Principal  Balance of the related  Mortgage
      Loan; and

            (vi) the Stated Principal Balance of the related Mortgage Loan as of
      the Cut-off Date.

      The Prepayment  Charge  Schedule shall be amended from time to time by the
Master  Servicer in accordance  with the provisions of this Agreement and a copy
of such  amended  Prepayment  Charge  Schedule  shall be furnished by the Master
Servicer to the Trustee and the NIMS Insurer.

      "Prepayment  Interest Excess":  With respect to any Distribution Date, for
each Mortgage Loan that was the subject of a Principal Prepayment in full during
the portion of the related  Prepayment Period occurring between the first day of
the calendar  month in which such  Distribution  Date occurs and the 15th day of
the calendar month in which such  Distribution  Date occurs,  an amount equal to
interest (to the extent  received) at the  applicable  Net Mortgage  Rate on the
amount of such  Principal  Prepayment  for the number of days  commencing on the
first day of the  calendar  month in which  such  Distribution  Date  occurs and
ending on the last date through  which  interest is  collected  from the related
Mortgagor.  To the extent not  otherwise  retained by the Master  Servicer,  the
Master Servicer may withdraw such Prepayment Interest Excess from the Collection
Account in accordance with Section 3.05(a)(iv).

      "Prepayment  Interest  Shortfall":  With respect to any Distribution Date,
for each  Mortgage  Loan that was the subject of a Principal  Prepayment in full
during the portion of the related  Prepayment Period occurring between the first
day of the  related  Prepayment  Period and the last day of the  calendar  month
preceding the month in which such  Distribution  Date occurs, an amount equal to
interest at the  applicable  Net Mortgage  Rate on the amount of such  Principal
Prepayment  for the number of days  commencing on the day after the last date on
which  interest is collected  from the related  Mortgagor and ending on the last
day of the calendar month preceding such  Distribution  Date. The obligations of
the Master  Servicer in respect of any  Prepayment  Interest  Shortfall  are set
forth in Section  4.03(e).  The Certificate  Insurance Policy will not cover any
such Prepayment Interest Shortfalls.

      "Prepayment  Period":  With  respect  to any  Distribution  Date  and  any
Principal  Prepayment  in full,  the  period  commencing  on the 16th day in the
calendar  month  preceding the calendar  month in which such  Distribution  Date
occurs (or, in the case of the first Distribution Date,  commencing on September
1,  2004)  and  ending  on the 15th  day in the  calendar  month  in which  such
Distribution  Date  occurs.  With  respect  to any  Distribution  Date  and  any
Principal  Prepayment in part, the calendar  month  preceding the month in which
such Distribution Date occurs.

      "Principal Prepayment":  Any payment of principal made by the Mortgagor on
a Mortgage Loan which is received in advance of its scheduled Due Date and which
is not  accompanied  by an amount of  interest  representing  the full amount of
scheduled  interest due on any Due Date in any month or months subsequent to the
month of prepayment.

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<PAGE>

      "Principal  Remittance Amount": With respect to any Distribution Date, the
sum of the (i) the Group I  Principal  Remittance  Amount  and (ii) the Group II
Principal Remittance Amount.

      "Prospectus  Supplement":  The Prospectus  Supplement,  dated September 2,
2004, relating to the public offering of the Offered Certificates.

      "PTCE": A Prohibited Transaction Class Exemption.

      "Purchase Price":  With respect to any Mortgage Loan or REO Property to be
purchased  pursuant to or as  contemplated  by Section 2.03,  Section 3.16(a) or
Section  9.01,  and as  confirmed by an  Officers'  Certificate  from the Master
Servicer to the  Trustee,  an amount  equal to the sum of (i) 100% of the Stated
Principal  Balance  thereof as of the date of  purchase  (or such other price as
provided  in Section  9.01),  (ii) in the case of (x) a Mortgage  Loan,  accrued
interest on such Stated Principal Balance at the applicable Net Mortgage Rate in
effect from time to time from the Due Date as to which interest was last covered
by a payment  by the  Mortgagor  or an advance  by the  Master  Servicer,  which
payment or advance had as of the date of purchase been  distributed  pursuant to
Section 4.01,  through the end of the calendar month in which the purchase is to
be effected  and (y) an REO  Property,  the sum of (1) accrued  interest on such
Stated Principal Balance at the applicable Net Mortgage Rate in effect from time
to time from the Due Date as to which  interest was last covered by a payment by
the  Mortgagor  or an  advance  by the Master  Servicer  through  the end of the
calendar  month  immediately  preceding  the  calendar  month in which  such REO
Property  was acquired  plus (2) REO Imputed  Interest for such REO Property for
each  calendar  month  commencing  with the  calendar  month  in which  such REO
Property was acquired and ending with the calendar  month in which such purchase
is to be  effected,  net of  the  total  of all  net  rental  income,  Insurance
Proceeds,  Liquidation Proceeds and Advances that as of the date of purchase had
been distributed as or to cover REO Imputed  Interest  pursuant to Section 4.01,
(iii) any unreimbursed  Servicing Advances and Advances and any unpaid Servicing
Fees  allocable  to  such  Mortgage  Loan  or REO  Property,  (iv)  any  amounts
previously  withdrawn  from the  Collection  Account in respect of such Mortgage
Loan or REO Property pursuant to Sections  3.05(a)(v) and 3.16(a) and (v) in the
case of a Mortgage  Loan  required to be  purchased  pursuant  to Section  2.03,
expenses reasonably incurred or to be incurred by the Master Servicer,  the NIMS
Insurer,  the  Certificate  Insurer  or the  Trustee in respect of the breach or
defect giving rise to the purchase obligation,  as well as any costs and damages
incurred by the Trust Fund in connection  with any violation by such loan of any
predatory or abusive lending law.

      "Qualified  Substitute  Mortgage Loan": A mortgage loan  substituted for a
Deleted Mortgage Loan pursuant to the terms of this Agreement which must, on the
date of such  substitution,  (i) have an outstanding  Stated Principal  Balance,
after application of all scheduled payments of principal and interest due during
or prior to the month of substitution,  not in excess of the Scheduled Principal
Balance of the Deleted  Mortgage  Loan as of the Due Date in the calendar  month
during which the substitution occurs, (ii) have a Mortgage Rate not less

                                       45
<PAGE>

than (and not more than one percentage  point in excess of) the Mortgage Rate of
the Deleted  Mortgage Loan, (iii) with respect to any  Adjustable-Rate  Mortgage
Loan,  have a Maximum  Mortgage Rate not less than the Maximum  Mortgage Rate on
the Deleted  Mortgage Loan,  (iv) with respect to any  Adjustable-Rate  Mortgage
Loan,  have a Minimum  Mortgage Rate not less than the Minimum  Mortgage Rate of
the Deleted  Mortgage Loan, (v) with respect to  Adjustable-Rate  Mortgage Loan,
have a Gross Margin equal to the Gross Margin of the Deleted Mortgage Loan, (vi)
with respect to any  Adjustable-Rate  Mortgage Loan, have a next Adjustment Date
not more than two months  later  than the next  Adjustment  Date on the  Deleted
Mortgage Loan, (vii) have a remaining term to maturity not greater than (and not
more than one year less than) that of the Deleted Mortgage Loan, (viii) have the
same  Due  Date as the Due  Date  on the  Deleted  Mortgage  Loan,  (ix)  have a
Loan-to-Value  Ratio  or  Combined   Loan-to-Value  Ratio  as  of  the  date  of
substitution  equal to or  lower  than the  Loan-to-Value  Ratio of the  Deleted
Mortgage Loan as of such date, (x) have a risk grading  determined by the Seller
at least equal to the risk grading  assigned on the Deleted  Mortgage Loan, (xi)
have been  underwritten or  reunderwritten  by the Seller in accordance with the
same  underwriting  criteria and guidelines as the Deleted  Mortgage Loan, (xii)
have a  Prepayment  Charge  provision  at least equal to the  Prepayment  Charge
provision of the Deleted Mortgage Loan and (xiii) conform to each representation
and  warranty  set forth in Section 6 of the Mortgage  Loan  Purchase  Agreement
applicable to the Deleted  Mortgage Loan. In the event that one or more mortgage
loans are  substituted  for one or more  Deleted  Mortgage  Loans,  the  amounts
described  in clause (i) hereof  shall be  determined  on the basis of aggregate
Stated  Principal  Balances,  the Mortgage Rates described in clause (ii) hereof
shall be determined on the basis of weighted  average  Mortgage Rates, the terms
described in clause (vii)  hereof shall be  determined  on the basis of weighted
average  remaining  terms to maturity,  the  Loan-to-Value  Ratios  described in
clause (ix) hereof shall be satisfied as to each such  mortgage  loan,  the risk
gradings  described  in clause (x)  hereof  shall be  satisfied  as to each such
mortgage loan and, except to the extent otherwise provided in this sentence, the
representations  and  warranties  described  in  clause  (xiii)  hereof  must be
satisfied as to each Qualified Substitute Mortgage Loan or in the aggregate,  as
the case may be.

      "Rating  Agency" or  "Rating  Agencies":  Moody's,  Fitch and S&P or their
successors.  If such  agencies or their  successors  are no longer in existence,
"Rating  Agencies"  shall  be  such  nationally  recognized  statistical  rating
agencies,  or other comparable Persons,  designated by the Depositor,  notice of
which designation shall be given to the Trustee, the Certificate Insurer and the
Master Servicer.

      "Realized  Loss":  With respect to each  Mortgage Loan as to which a Final
Recovery  Determination  has been made,  an amount (not less than zero) equal to
(i)  the  unpaid  Stated  Principal  Balance  of  such  Mortgage  Loan as of the
commencement of the calendar month in which the Final Recovery Determination was
made, plus (ii) accrued interest from the Due Date as to which interest was last
paid by the Mortgagor  through the end of the calendar month in which such Final
Recovery  Determination was made,  calculated in the case of each calendar month
during  such  period (A) at an annual  rate  equal to the  annual  rate at which
interest was then accruing on such  Mortgage Loan and (B) on a principal  amount
equal to the Stated  Principal  Balance of such Mortgage Loan as of the close of
business on the  Distribution  Date during such calendar  month,  plus (iii) any
amounts  previously  withdrawn  from the  Collection  Account in respect of such
Mortgage Loan pursuant to Section 3.05(a)(v) and Section 3.12(c), minus (iv) the
proceeds,  if any, received in respect of such Mortgage Loan during the calendar
month in which such Final Recovery  Determination  was made, net of amounts that
are payable  therefrom to the Master Servicer with respect to such Mortgage Loan
pursuant to Section  3.05(a)(ii).  If the Master  Servicer  receives  Subsequent
Recoveries with respect to any Mortgage Loan, the amount

                                       46
<PAGE>

of Realized  Losses with respect to that  Mortgage  Loan shall be reduced to the
extent  such   recoveries  are  applied  to  principal   distributions   on  any
Distribution Date.

      With  respect  to  any  REO   Property  as  to  which  a  Final   Recovery
Determination  has been made,  an amount  (not less than zero)  equal to (i) the
unpaid Stated  Principal  Balance of the related Mortgage Loan as of the date of
acquisition  of such REO  Property  on  behalf  of REMIC I,  plus  (ii)  accrued
interest  from the Due Date as to which  interest was last paid by the Mortgagor
in respect of the related  Mortgage  Loan through the end of the calendar  month
immediately  preceding  the  calendar  month in  which  such  REO  Property  was
acquired,  calculated in the case of each calendar  month during such period (A)
at an annual rate equal to the annual rate at which  interest was then  accruing
on the related  Mortgage Loan and (B) on a principal  amount equal to the Stated
Principal  Balance of the related  Mortgage  Loan as of the close of business on
the  Distribution  Date  during  such  calendar  month,  plus (iii) REO  Imputed
Interest for such REO  Property  for each  calendar  month  commencing  with the
calendar  month in which such REO  Property  was  acquired  and ending  with the
calendar month in which such Final Recovery  Determination  was made,  plus (iv)
any amounts  previously  withdrawn from the Collection Account in respect of the
related Mortgage Loan pursuant to Section 3.05(a)(v) and Section 3.12(c),  minus
(v) the aggregate of all Advances made by the Master Servicer in respect of such
REO Property or the related Mortgage Loan for which the Master Servicer has been
or, in connection  with such Final Recovery  Determination,  shall be reimbursed
pursuant  to  Section  3.13  out  of  rental  income,   Insurance  Proceeds  and
Liquidation  Proceeds  received in respect of such REO Property,  minus (vi) the
total of all net rental  income,  Insurance  Proceeds and  Liquidation  Proceeds
received in respect of such REO Property that has been,  or in  connection  with
such Final Recovery  Determination,  shall be  transferred  to the  Distribution
Account pursuant to Section 3.13.

      With  respect to each  Mortgage  Loan  which has  become the  subject of a
Deficient Valuation,  the difference between the Stated Principal Balance of the
Mortgage Loan outstanding  immediately prior to such Deficient Valuation and the
Stated  Principal  Balance of the  Mortgage  Loan as  reduced  by the  Deficient
Valuation.

      With respect to each  Mortgage Loan which has become the subject of a Debt
Service  Reduction,  the  portion,  if any, of the  reduction  in each  affected
Monthly  Payment  attributable  to a reduction in the Mortgage Rate imposed by a
court of competent jurisdiction. Each such Realized Loss shall be deemed to have
been incurred on the Due Date for each affected Monthly Payment.

      "Record   Date":   With  respect  to  each   Distribution   Date  and  any
Adjustable-Rate  Certificate that is a Book-Entry Certificate,  the Business Day
immediately  preceding such Distribution Date. With respect to each Distribution
Date and any other Class of Certificates, including any Definitive Certificates,
the last Business Day of the month immediately preceding the month in which such
Distribution Date occurs.

      "Reference Banks":  Wells Fargo,  Barclay's Bank PLC, The Tokyo Mitsubishi
Bank  and  National  Westminster  Bank PLC and  their  successors  in  interest;
provided,  however, that if any of the foregoing banks are not suitable to serve
as a Reference  Bank,  then any  leading  banks  selected by the Trustee  (after
consultation with the Depositor, the NIMS Insurer and the

                                       47
<PAGE>

Certificate Insurer) which are engaged in transactions in Eurodollar deposits in
the international  Eurocurrency market (i) with an established place of business
in London,  (ii) not  controlling,  under the control of or under common control
with the Depositor or any Affiliate thereof and (iii) which have been designated
as such by the Trustee.

      "Refinanced Mortgage Loan": A Mortgage Loan the proceeds of which were not
used to purchase the related Mortgaged Property.

      "Regular  Certificate":  Any Class A Certificate,  Mezzanine  Certificate,
Class P Certificate or Class CE Certificate.

      "Regular Interest":  A "regular interest" in a REMIC within the meaning of
Section 860G(a)(1) of the Code.

      "Reimbursement  Amount":  As to any Distribution  Date, the sum of (i) all
Policy  Payments  previously  received by the  Trustee and all Avoided  Payments
previously  paid by the  Certificate  Insurer  and in each  case not  previously
repaid to the Certificate  Insurer  pursuant to Section 4.11, plus (ii) interest
accrued on each such Policy Payment and Avoided  Payment not  previously  repaid
calculated  at the Late Payment  Rate (as such term is defined in the  Insurance
Agreement), from the date the Trustee received the related Policy Payment or the
date the  related  Avoided  Payment  was  paid by the  Certificate  Insurer,  as
applicable,  through  the day prior to such  Distribution  Date,  plus (iii) all
other  amounts due and payable to the  Certificate  Insurer  under the Insurance
Agreement,  as  certified  to the Trustee by the  Certificate  Insurer plus (ii)
interest on such amounts at the Late Payment Rate.

      "Relief Act": The Servicemembers  Civil Relief Act or any applicable state
law providing similar relief.

      "Relief Act Interest Shortfall": With respect to any Distribution Date and
any Mortgage Loan,  any reduction in the amount of interest  collectible on such
Mortgage  Loan for the most  recently  ended  calendar  month as a result of the
application of the Relief Act. The Certificate  Insurance  Policy will not cover
any such Relief Act Interest Shortfalls.

      "REMIC": A "real estate mortgage investment conduit" within the meaning of
Section 860D of the Code.

      "REMIC I": The segregated pool of assets subject hereto,  constituting the
primary trust created hereby and to be administered  hereunder,  with respect to
which a REMIC election is to be made, consisting of: (i) such Mortgage Loans and
Prepayment Charges as from time to time are subject to this Agreement,  together
with the Mortgage  Files  relating  thereto,  and together with all  collections
thereon  and  proceeds  thereof,  (ii)  any  REO  Property,  together  with  all
collections  thereon  and  proceeds  thereof,  (iii) the  Trustee's  rights with
respect to the  Mortgage  Loans  under all  insurance  policies  required  to be
maintained  pursuant  to this  Agreement  and any  proceeds  thereof,  (iv)  the
Depositor's  rights under the Mortgage Loan Purchase  Agreement  (including  any
security  interest created  thereby) to the extent conveyed  pursuant to Section
2.01 and (v) the  Collection  Account (other

                                       48
<PAGE>

than any amounts  representing  any Master  Servicer  Prepayment  Charge Payment
Amounts),  the  Distribution  Account (other than any amounts  representing  any
Master Servicer  Prepayment Charge Payment Amounts) and any REO Account and such
assets that are deposited therein from time to time and any investments thereof,
together with any and all income,  proceeds and payments  with respect  thereto.
Notwithstanding the foregoing, however, REMIC I specifically excludes any Master
Servicer  Prepayment Charge Payment Amounts,  the Net WAC Rate Carryover Reserve
Account, the Cap Contracts,  all payments and other collections of principal and
interest  due on the  Mortgage  Loans  on or  before  the  Cut-off  Date and all
Prepayment Charges payable in connection with Principal  Prepayments made before
the Cut-off Date.

      "REMIC  I  Interest  Loss   Allocation   Amount":   With  respect  to  any
Distribution  Date, an amount (subject to adjustment  based on the actual number
of days elapsed in the  respective  Interest  Accrual  Periods for the indicated
Regular  Interests for such  Distribution  Date) equal to (a) the product of (i)
50% of the  aggregate  Stated  Principal  Balance of the Mortgage  Loans and REO
Properties  then  outstanding  and (ii) the REMIC I Remittance  Rate for REMIC I
Regular Interest I-LTAA minus the Marker Rate, divided by (b) 12.

      "REMIC I Marker Allocation Percentage":  50% of any amount payable or loss
attributable  from the  Mortgage  Loans,  which  shall be  allocated  to REMIC I
Regular  Interest  I-LTAA,  REMIC I  Regular  Interest  I-LTA1,  REMIC I Regular
Interest  I-LTA2,  REMIC I Regular  Interest  I-LTA3,  REMIC I Regular  Interest
I-LTA4,  REMIC I Regular Interest I-LTA5, REMIC I Regular Interest I-LTM1, REMIC
I Regular  Interest I-LTM2,  REMIC I Regular  Interest  I-LTM3,  REMIC I Regular
Interest  I-LTM4,  REMIC I Regular  Interest  I-LTM5,  REMIC I Regular  Interest
I-LTM6,  REMIC I Regular Interest I-LTM7, REMIC I Regular Interest I-LTM8, REMIC
I Regular Interest I-LTM9,  REMIC I Regular  Interest  I-LTM10,  REMIC I Regular
Interest I-LTZZ and REMIC I Regular Interest I-LTP.

      "REMIC   I   Overcollateralization    Target   Amount":   0.50%   of   the
Overcollateralization Target Amount.

      "REMIC  I  Overcollateralized   Amount":  With  respect  to  any  date  of
determination,  (i) 0.50% of the aggregate Uncertificated Balance of the REMIC I
Regular  Interests  minus (ii) the aggregate of the  Uncertificated  Balances of
REMIC I Regular  Interest  I-LTA1,  REMIC I  Regular  Interest  I-LTA2,  REMIC I
Regular  Interest  I-LTA3,  REMIC I  Regular  Interest  I-LTA4,  REMIC I Regular
Interest  I-LTA5,  REMIC I Regular  Interest  I-LTM1,  REMIC I Regular  Interest
I-LTM2,  REMIC I Regular Interest I-LTM3, REMIC I Regular Interest I-LTM4, REMIC
I Regular  Interest I-LTM5,  REMIC I Regular  Interest  I-LTM6,  REMIC I Regular
Interest  I-LTM7,  REMIC I Regular  Interest  I-LTM8,  REMIC I Regular  Interest
I-LTM9  and REMIC I  Regular  Interest  I-LTM10  in each case as of such date of
determination.

      "REMIC  I  Principal  Loss  Allocation   Amount":   With  respect  to  any
Distribution  Date,  an amount equal to the product of (i) 50% of the  aggregate
Stated  Principal  Balance  of  the  Mortgage  Loans  and  REO  Properties  then
outstanding  and (ii) one minus a fraction,  the numerator of which is two times
the aggregate Uncertificated Balance of REMIC I Regular Interest I-LTA1, REMIC I
Regular  Interest  I-LTA2,  REMIC I  Regular  Interest  I-LTA3,  REMIC I Regular
Interest  I-LTA4,  REMIC I Regular  Interest  I-LTA5,  REMIC I Regular  Interest
I-LTM1,  REMIC I Regular Interest I-LTM2, REMIC I Regular Interest I-LTM3, REMIC
I Regular Interest I-LTM4 and REMIC I Regular  Interest I-LTM5,  REMIC I Regular
Interest

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<PAGE>

I-LTM6,  REMIC I Regular Interest I-LTM7, REMIC I Regular Interest I-LTM8, REMIC
I  Regular  Interest  I-LTM9  and  REMIC  I  Regular  Interest  I-LTM10  and the
denominator of which is the aggregate  Uncertificated Balance of REMIC I Regular
Interest  I-LTA1,  REMIC I Regular  Interest  I-LTA2,  REMIC I Regular  Interest
I-LTA3,  REMIC I Regular Interest I-LTA4, REMIC I Regular Interest I-LTA5, REMIC
I Regular  Interest I-LTM1,  REMIC I Regular  Interest  I-LTM2,  REMIC I Regular
Interest  I-LTM3,  REMIC I Regular  Interest  I-LTM4,  REMIC I Regular  Interest
I-LTM5,  REMIC I Regular Interest I-LTM6, REMIC I Regular Interest I-LTM7, REMIC
I Regular  Interest I-LTM8,  REMIC I Regular  Interest  I-LTM9,  REMIC I Regular
Interest I-LTM10 and REMIC I Regular Interest I-LTZZ.

      "REMIC  I  Regular  Interest":   Any  of  the  separate   non-certificated
beneficial  ownership  interests in REMIC I issued hereunder and designated as a
"regular  interest"  in REMIC I. Each  REMIC I  Regular  Interest  shall  accrue
interest at the related REMIC I Remittance Rate in effect from time to time, and
shall be  entitled  to  distributions  of  principal,  subject  to the terms and
conditions  hereof,  in an aggregate amount equal to its initial  Uncertificated
Balance as set forth in the  Preliminary  Statement  hereto.  The following is a
list of each of the REMIC I Regular Interests:  REMIC I Regular Interest I-LTAA,
REMIC I Regular  Interest  I-LTA1,  REMIC I  Regular  Interest  I-LTA2,  REMIC I
Regular  Interest  I-LTA3,  REMIC I  Regular  Interest  I-LTA4,  REMIC I Regular
Interest  I-LTA5,  REMIC I Regular  Interest  I-LTM1,  REMIC I Regular  Interest
I-LTM2,  REMIC I Regular Interest I-LTM3, REMIC I Regular Interest I-LTM4, REMIC
I Regular  Interest I-LTM5,  REMIC I Regular  Interest  I-LTM6,  REMIC I Regular
Interest  I-LTM7,  REMIC I Regular  Interest  I-LTM8,  REMIC I Regular  Interest
I-LTM9, REMIC I Regular Interest I-LTM10, REMIC I Regular Interest I-LTZZ, REMIC
I Regular  Interest  I-LTXX,  REMIC I Regular  Interest  I-LTP,  REMIC I Regular
Interest I-LT1SUB,  REMIC I Regular Interest I-LT1GRP,  REMIC I Regular Interest
I-LT2SUB and REMIC I Regular Interest II-LT2GRP.

      "REMIC I  Remittance  Rate":  With  respect  to REMIC I  Regular  Interest
I-LTAA,  REMIC I Regular Interest I-LTA1, REMIC I Regular Interest I-LTA2, REMIC
I Regular  Interest I-LTA3,  REMIC I Regular  Interest  I-LTA4,  REMIC I Regular
Interest  I-LTA5,  REMIC I Regular  Interest  I-LTM1,  REMIC I Regular  Interest
I-LTM2,  REMIC I Regular Interest I-LTM3, REMIC I Regular Interest I-LTM4, REMIC
I Regular  Interest I-LTM5,  REMIC I Regular  Interest  I-LTM6,  REMIC I Regular
Interest  I-LTM7,  REMIC I Regular  Interest  I-LTM8,  REMIC I Regular  Interest
I-LTM9, REMIC I Regular Interest I-LTM10, REMIC I Regular Interest I-LTZZ, REMIC
I Regular  Interest I-LTP,  REMIC I Regular Interest  I-LT1SUB,  REMIC I Regular
Interest  I-LT2SUB and REMIC I Regular Interest I-LTXX,  the weighted average of
the Expense  Adjusted Net Mortgage Rates of the Mortgage Loans.  With respect to
REMIC I Regular Interest I-LT1GRP,  the weighted average of the Expense Adjusted
Net  Mortgage  Rates of the  Group I  Mortgage  Loans and with  respect  REMIC I
Regular  Interest  I-LT2GRP,  the weighted  average of the Expense  Adjusted Net
Mortgage Rates of the Group II Mortgage Loans.

      "REMIC I Sub WAC Allocation Percentage": 50% of any amount payable from or
loss  attributable  to the Mortgage  Loans,  which shall be allocated to REMIC I
Regular Interest I-LT1SUB,  REMIC I Regular Interest  I-LT1GRP,  REMIC I Regular
Interest  I-LT2SUB,  REMIC I  Regular  Interest  I-LT2GRP  and  REMIC I  Regular
Interest I-LTXX.

                                       50
<PAGE>

      "REMIC I Subordinated  Balance Ratio":  The ratio among the Uncertificated
Balances of each REMIC I Regular  Interest  ending with the  designation  "SUB,"
equal to the ratio among,  with  respect to each such REMIC I Regular  Interest,
the excess of (x) the aggregate Stated  Principal  Balance of the Mortgage Loans
in the related Loan Group over (y) the current Certificate  Principal Balance of
Class A Certificates in the related Loan Group.

      "REMIC II": The segregated pool of assets consisting of all of the REMIC I
Regular Interests conveyed in trust to the Trustee, for the benefit of the REMIC
I  Certificateholders  pursuant  to  Section  2.09,  and all  amounts  deposited
therein, with respect to which a separate REMIC election is to be made.

      "REMIC II  Certificate":  Any Regular  Certificate  (other than a Class CE
Certificate or Class P Certificate) or Class R Certificate.

      "REMIC  II  Regular   Interest":   Any  Class  A  Certificate,   Mezzanine
Certificate, the Class CE Interest or Class P Interest.

      "REMIC III":  The  segregated  pool of assets  consisting  of the Class CE
Interest conveyed in trust to the Trustee, for the benefit of the Holders of the
Regular  Certificates  and the Class R-X  Certificate  (in  respect of the Class
R-III  Interest),  pursuant to Article II hereunder,  and all amounts  deposited
therein, with respect to which a separate REMIC election is to be made.

      "REMIC IV": The segregated pool of assets consisting of all of the Class P
Interest conveyed in trust to the Trustee, for the benefit of the Holders of the
Regular Certificates and the Class R-X Certificate (in respect of the Class R-IV
Interest),  pursuant to Article II hereunder, and all amounts deposited therein,
with respect to which a separate REMIC election is to be made.

      "REMIC  Provisions":  Provisions of the federal income tax law relating to
real estate mortgage investment  conduits,  which appear at Section 860A through
860G of the Code,  and related  provisions,  and  proposed,  temporary and final
regulations  and  published  rulings,  notices  and  announcements   promulgated
thereunder, as the foregoing may be in effect from time to time.

      "REMIC Regular Interest": Any REMIC I Regular Interest.

      "REMIC Remittance Rate": The REMIC I Remittance Rate.

      "Remittance  Report": A report in form and substance that is acceptable to
the Trustee and the NIMS  Insurer in  electronic  format  prepared by the Master
Servicer   pursuant  to  Section  4.03  with  such   additions,   deletions  and
modifications as agreed to by the Trustee and the Master Servicer.

      "Rents from Real Property": With respect to any REO Property, gross income
of the character  described in Section  856(d) of the Code as being  included in
the term "rents from real property."

                                       51
<PAGE>

      "REO Account":  Each of the accounts  maintained by the Master Servicer in
respect of an REO Property  pursuant to Section  3.13,  which account may be the
Collection Account subject to Section 3.13.

      "REO  Disposition":  The sale or other  disposition  of an REO Property on
behalf of REMIC I.

      "REO Imputed  Interest":  As to any REO Property,  for any calendar  month
during  which  such REO  Property  was at any time part of REMIC I, one  month's
interest at the applicable Net Mortgage Rate on the Stated Principal  Balance of
such REO  Property  (or, in the case of the first such  calendar  month,  of the
related  Mortgage  Loan,  if  appropriate)  as of the close of  business  on the
Distribution Date in such calendar month.

      "REO Principal  Amortization":  With respect to any REO Property,  for any
calendar month, the excess, if any, of (a) the aggregate of all amounts received
in respect of such REO Property during such calendar month,  whether in the form
of rental income, sale proceeds (including,  without limitation, that portion of
the Termination  Price paid in connection with a purchase of all of the Mortgage
Loans and REO Properties  pursuant to Section 9.01 that is allocable to such REO
Property) or otherwise,  net of any portion of such amounts (i) payable pursuant
to  Section  3.13(c)  in  respect  of  the  proper  operation,   management  and
maintenance of such REO Property or (ii) payable or  reimbursable  to the Master
Servicer pursuant to Section 3.13(d) for unpaid Servicing Fees in respect of the
related  Mortgage  Loan and  unreimbursed  Servicing  Advances  and  Advances in
respect of such REO  Property or the  related  Mortgage  Loan,  over (b) the REO
Imputed Interest in respect of such REO Property for such calendar month.

      "REO Property":  A Mortgaged  Property  acquired by the Master Servicer on
behalf  of REMIC I  through  foreclosure  or  deed-in-lieu  of  foreclosure,  as
described in Section 3.13.

      "Request for Release":  A release  signed by a Servicing  Officer,  in the
form of Exhibit E attached hereto.

      "Reserve Interest Rate": With respect to any Interest  Determination Date,
the rate per annum that the Trustee  determines to be either (i) the  arithmetic
mean (rounded  upwards if necessary to the nearest  whole  multiple of 1/16%) of
the one-month  U.S.  dollar  lending rates which New York City banks selected by
the Trustee  are  quoting on the  relevant  Interest  Determination  Date to the
principal London offices of leading banks in the London interbank market or (ii)
in the event that the Trustee can determine no such arithmetic  mean, the lowest
one-month  U.S.  dollar  lending rate which New York City banks  selected by the
Trustee  are quoting on such  Interest  Determination  Date to leading  European
banks.

      "Residential  Dwelling":  Any one of the  following:  (i) an  attached  or
detached  one-family  dwelling,  (ii) a detached two- to  four-family  dwelling,
(iii) a one-family  dwelling unit in a condominium project or (iv) a detached or
attached one-family  dwelling in a planned unit development,  none of which is a
co-operative,  mobile or  manufactured  home (unless such mobile or manufactured
home is defined as real property under applicable state law).

                                       52
<PAGE>

      "Residual  Certificate":  Any one of the Class R Certificates or the Class
R-X Certificates.

      "Residual  Interest":  The sole class of "residual  interests"  in a REMIC
within the meaning of Section 860G(a)(2) of the Code.

      "Responsible Officer":  When used with respect to the Trustee, any officer
assigned to and working in the Corporate  Trust Office or in a similar group and
also, with respect to a particular matter, any other officer to whom such matter
is referred  because of such  officer's  knowledge of and  familiarity  with the
particular subject.

      "Scheduled  Principal Balance":  With respect to any Mortgage Loan: (a) as
of the Cut-off Date, the outstanding  Stated Principal  Balance of such Mortgage
Loan as of  such  date,  net of the  principal  portion  of all  unpaid  Monthly
Payments,  if any, due on or before such date; (b) as of any Due Date subsequent
to the Cut-off Date up to and  including  the Due Date in the calendar  month in
which a  Liquidation  Event  occurs  with  respect to such  Mortgage  Loan,  the
Scheduled  Principal Balance of such Mortgage Loan as of the Cut-off Date, minus
the sum of (i) the  principal  portion of each Monthly  Payment due on or before
such Due Date but subsequent to the Cut-off Date, whether or not received,  (ii)
all Principal  Prepayments  received  before such Due Date but after the Cut-off
Date,  (iii) the  principal  portion of all  Liquidation  Proceeds and Insurance
Proceeds  received  before such Due Date but after the Cut-off Date,  net of any
portion   thereof  that   represents   principal  due  (without  regard  to  any
acceleration of payments under the related  Mortgage and Mortgage Note) on a Due
Date  occurring on or before the date on which such  proceeds  were received and
(iv) any Realized Loss incurred with respect  thereto as a result of a Deficient
Valuation  occurring  before such Due Date, but only to the extent such Realized
Loss  represents a reduction in the portion of principal of such  Mortgage  Loan
not yet due (without  regard to any  acceleration  of payments under the related
Mortgage and Mortgage Note) as of the date of such Deficient Valuation;  and (c)
as of any Due Date  subsequent to the  occurrence  of a  Liquidation  Event with
respect to such Mortgage Loan, zero. With respect to any REO Property: (a) as of
any Due Date  subsequent to the date of its  acquisition  on behalf of the Trust
Fund  up to and  including  the  Due  Date  in the  calendar  month  in  which a
Liquidation Event occurs with respect to such REO Property,  an amount (not less
than zero) equal to the Scheduled Principal Balance of the related Mortgage Loan
as of the Due  Date in the  calendar  month  in  which  such  REO  Property  was
acquired,  minus the aggregate amount of REO Principal Amortization,  if any, in
respect of such REO Property for all previously ended calendar  months;  and (b)
as of any Due Date  subsequent to the  occurrence  of a  Liquidation  Event with
respect to such REO Property, zero.

      "Seller":  Ameriquest Mortgage Company,  or its successor in interest,  in
its capacity as seller under the Mortgage Loan Purchase Agreement.

      "Senior  Group I  Principal  Distribution  Amount":  With  respect  to any
Distribution Date, an amount, not less than zero, equal to the excess of (x) the
Certificate Principal Balance of the Class A-1 Certificates immediately prior to
such  Distribution Date over (y) the lesser of (A) the product of (i) 57.80% and
(ii) the aggregate Stated Principal  Balance of the Group I Mortgage Loans as of
the last day of the  related  Due  Period  (after  giving  effect  to  scheduled
payments of principal due during the related Due Period,  to the extent received
or advanced, and

                                       53
<PAGE>

unscheduled  collections  of principal  received  during the related  Prepayment
Period) and (B) the aggregate Stated  Principal  Balance of the Group I Mortgage
Loans as of the last day of the  related  Due  Period  (after  giving  effect to
scheduled payments of principal due during the related Due Period, to the extent
received or advanced,  and unscheduled  collections of principal received during
the related Prepayment Period) minus $7,207,354.21.

      "Senior  Group II  Principal  Distribution  Amount":  With  respect to any
Distribution Date, an amount, not less than zero, equal to the excess of (x) the
aggregate Certificate Principal Balance of the Group II Certificates immediately
prior to such  Distribution  Date over (y) the lesser of (A) the  product of (i)
57.80% and (ii) the aggregate Stated Principal  Balance of the Group II Mortgage
Loans as of the last day of the  related  Due  Period  (after  giving  effect to
scheduled payments of principal due during the related Due Period, to the extent
received or advanced,  and unscheduled  collections of principal received during
the related Prepayment Period) and (B) the aggregate Stated Principal Balance of
the Group II Mortgage  Loans as of the last day of the related Due Period (after
giving  effect to  scheduled  payments of  principal  due during the related Due
Period,  to the extent  received or advanced,  and  unscheduled  collections  of
principal received during the related Prepayment Period) minus $2,792,645.75.

      "Senior Interest  Distribution  Amount":  With respect to any Distribution
Date,  an amount  equal to the sum of (i) the Interest  Distribution  Amount for
such  Distribution Date for the Class A Certificates and (ii) the Interest Carry
Forward Amount, if any, for the Class A Certificates.

      "Servicing  Advances":  The reasonable  "out-of-pocket" costs and expenses
(including  reasonable  attorneys'  fees and  expenses)  incurred  by the Master
Servicer 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,   (ii)  any   enforcement  or  judicial
proceedings,  including foreclosures,  in respect of a particular Mortgage Loan,
(iii) the management  (including  reasonable  fees in connection  therewith) and
liquidation  of any REO Property  and (iv) the  performance  of its  obligations
under  Section 3.01,  Section  3.04(d),  Section 3.08,  Section 3.12 and Section
3.13. Servicing Advances also include any reasonable  "out-of-pocket"  costs and
expenses  (including  reasonable  attorneys' fees and expenses)  incurred by the
Master  Servicer in  connection  with  executing and  recording  instruments  of
satisfaction,  deeds of  reconveyance  or  Assignments  in  connection  with any
foreclosure in respect of any Mortgage Loan to the extent not recovered from the
related Mortgagor or otherwise payable under this Agreement. The Master Servicer
shall not be required to make any Nonrecoverable Servicing Advance in respect of
a Mortgage Loan or REO Property.

      "Servicing  Fee":  With respect to each Mortgage Loan and for any calendar
month,  an amount equal to one month's  interest (or in the event of any payment
of  interest  which  accompanies  a  Principal  Prepayment  in full  made by the
Mortgagor during such calendar month, interest for the number of days covered by
such  payment of  interest)  at the  applicable  Servicing  Fee Rate on the same
principal  amount on which  interest  on such  Mortgage  Loan  accrues  for such
calendar  month.  A  portion  of  such  Servicing  Fee  may be  retained  by any
Sub-Servicer as its servicing compensation.

                                       54
<PAGE>

      "Servicing Fee Rate": 0.50% per annum.

      "Servicing  Officer":  Any employee 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 by
the Master Servicer to the Trustee, the Certificate Insurer and the Depositor on
the Closing Date, as such list may from time to time be amended.

      "Servicing  Standard":  The standards set forth in the first  paragraph of
Section 3.01.

      "Single  Certificate":  With respect to any Class of  Certificates  (other
than the Class P  Certificates  and the Residual  Certificates),  a hypothetical
Certificate  of such  Class  evidencing  a  Percentage  Interest  for such Class
corresponding to an initial Certificate  Principal Balance or Notional Amount of
$1,000. With respect to the Class P Certificates and the Residual  Certificates,
a hypothetical Certificate of such Class evidencing a 20% Percentage Interest in
such Class.

      "S&P":  Standard & Poor's Ratings Services,  a division of The McGraw-Hill
Companies, Inc., or its successor in interest.

      "Startup  Day":  With respect to each Trust REMIC,  the day  designated as
such pursuant to Section 10.01(b) hereof.

      "Stated Principal  Balance":  With respect to any Mortgage Loan: (a) as of
any date of determination up to but not including the Distribution Date on which
the proceeds,  if any, of a Liquidation Event with respect to such Mortgage Loan
would be distributed, the outstanding principal balance of such Mortgage Loan as
of the Cut-off Date, as shown in the Mortgage  Loan  Schedule,  minus the sum of
(i) the principal  portion of each Monthly  Payment due on a Due Date subsequent
to the Cut-off  Date,  to the extent  received from the Mortgagor or advanced by
the Master Servicer and  distributed  pursuant to Section 4.01 on or before such
date of determination, (ii) all Principal Prepayments received after the Cut-off
Date, to the extent distributed  pursuant to Section 4.01 on or before such date
of determination,  (iii) all Liquidation Proceeds and Insurance Proceeds applied
by the Master  Servicer  as  recoveries  of  principal  in  accordance  with the
provisions of Section 3.12, to the extent  distributed  pursuant to Section 4.01
on or before such date of determination and (iv) any Realized Loss incurred with
respect thereto as a result of a Deficient Valuation made during or prior to the
Prepayment  Period for the most  recent  Distribution  Date  coinciding  with or
preceding such date of  determination;  and (b) as of any date of  determination
coinciding with or subsequent to the Distribution Date on which the proceeds, if
any,  of a  Liquidation  Event  with  respect  to such  Mortgage  Loan  would be
distributed,  zero.  With  respect  to any REO  Property:  (a) as of any date of
determination  up to but  not  including  the  Distribution  Date on  which  the
proceeds, if any, of a Liquidation Event with respect to such REO Property would
be  distributed,  an amount (not less than zero)  equal to the Stated  Principal
Balance of the related  Mortgage  Loan as of the date on which such REO Property
was acquired on behalf of REMIC I, minus the sum of (i) if such REO Property was
acquired  before the  Distribution  Date in any calendar  month,  the  principal
portion of the  Monthly  Payment  due on the Due Date in the  calendar  month of
acquisition, to the extent advanced by the Master Servicer

                                       55
<PAGE>

and   distributed   pursuant  to  Section   4.01  on  or  before  such  date  of
determination,  and (ii) the aggregate  amount of REO Principal  Amortization in
respect of such REO Property for all previously  ended calendar  months,  to the
extent  distributed  pursuant  to  Section  4.01  on  or  before  such  date  of
determination;  and  (b) as of any  date  of  determination  coinciding  with or
subsequent  to the  Distribution  Date on  which  the  proceeds,  if  any,  of a
Liquidation Event with respect to such REO Property would be distributed, zero.

      "Stepdown Date": The earlier to occur of (i) the first  Distribution  Date
on which the aggregate Certificate Principal Balance of the Class A Certificates
has been  reduced  to zero and (ii) the  later to occur of (a) the  Distribution
Date occurring in October 2007 and (b) the first  Distribution Date on which the
Credit Enhancement Percentage for the Class A Certificates  (calculated for this
purpose  only after  taking  into  account  distributions  of  principal  on the
Mortgage  Loans  but  prior  to  any  distribution  of  the  Group  I  Principal
Distribution  Amount  and the  Group II  Principal  Distribution  Amount  to the
Certificates  then entitled to distributions  of principal on such  Distribution
Date) is equal to or greater than 42.20%.

      "Subsequent  Recoveries":  As  of  any  Distribution  Date,  unanticipated
amounts received by the Master Servicer (net of any related  expenses  permitted
to be reimbursed  pursuant to Section 3.05)  specifically  related to a Mortgage
Loan that was the subject of a liquidation  or an REO  Disposition  prior to the
related Prepayment Period that resulted in a Realized Loss.

      "Sub-Servicer": Any Person with which the Master Servicer has entered into
a Sub-Servicing  Agreement and which meets the  qualifications of a Sub-Servicer
pursuant to Section 6.06.

      "Sub-Servicing  Account":  An account  established by a Sub-Servicer which
meets the requirements set forth in Section 6.11 and is otherwise  acceptable to
the Master Servicer.

      "Sub-Servicing   Agreement":  The  written  contract  between  the  Master
Servicer and a Sub-Servicer  relating to servicing and administration of certain
Mortgage Loans as provided in Section 6.06.

      "Substitution Shortfall Amount": As defined in Section 2.03(d).

      "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 each REMIC in the Trust Fund due to its  classification  as a REMIC
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.

      "Telerate Page 3750":  The display  designated as page "3750" on Moneyline
Telerate  (or such other page as may  replace  page 3750 on that  report for the
purpose of displaying London interbank offered rates of major banks).

      "Termination Price": As defined in Section 9.01.

                                       56
<PAGE>

      "Terminator": As defined in Section 9.01.

      "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.

      "Trigger   Event":  A  Trigger  Event  has  occurred  with  respect  to  a
Distribution Date on or after the Stepdown Date if:

      (a)  the  Delinquency  Percentage  for  the  Mortgage  Loans  exceeds  the
applicable  percentages  of the  Credit  Enhancement  Percentage  for the  prior
Distribution  Date as set  forth  below  for the  most  senior  Class of Class A
Certificates and Mezzanine Certificates then outstanding:

                       CLASS                      PERCENTAGE
               -----------------------            ----------
                Class A Certificates                37.90%
               Class M-1 Certificates               46.40%
               Class M-2 Certificates               56.15%
               Class M-3 Certificates               65.30%
               Class M-4 Certificates               76.20%
               Class M-5 Certificates               88.90%
               Class M-6 Certificates               106.65%
               Class M-7 Certificates               128.00%
               Class M-8 Certificates               152.40%
               Class M-9 Certificates               188.25%
               Class M-10 Certificates              246.15%

or

      (b) the Cumulative Loss Percentage exceeds the applicable  percentages set
forth below with respect to such Distribution Date:

             DISTRIBUTION DATE OCCURRING IN           PERCENTAGE
          -----------------------------------         ----------
          October 2007 through September 2008           3.25%
          October 2008 through September 2009           5.25%
          October 2009 through September 2010           6.75%
              October 2010 and thereafter               7.50%

      "Trust Fund": Collectively,  all of the assets of each Trust REMIC, Master
Servicer  Prepayment  Charge  Payment  Amounts  and the Net WAC  Rate  Carryover
Reserve Account  (including any payments made under the Cap Contracts  deposited
therein).

      "Trust REMIC": Each of REMIC I, REMIC II, REMIC III and REMIC IV.

                                       57
<PAGE>

      "Trustee": Wells Fargo Bank, N.A., a national banking association,  or its
successor in interest, or any successor Trustee appointed as herein provided.

      "Trustee Fee Rate": As defined in Section 8.08.

      "Uncertificated  Balance":  The  amount  of  any  REMIC  Regular  Interest
outstanding  as of any  date  of  determination.  As of the  Closing  Date,  the
Uncertificated Balance of each REMIC Regular Interest shall equal the amount set
forth in the Preliminary Statement hereto as its initial uncertificated balance.
On each  Distribution  Date,  the  Uncertificated  Balance of each REMIC Regular
Interest shall be reduced by all  distributions  of principal made on such REMIC
Regular Interest on such  Distribution Date pursuant to Section 4.01 and, if and
to the  extent  necessary  and  appropriate,  shall be  further  reduced on such
Distribution   Date  by  Realized  Losses  as  provided  in  Section  4.04.  The
Uncertificated  Balance of REMIC I Regular Interest I-LTZZ shall be increased by
interest deferrals as provided in Section 4.01(a)(1). The Uncertificated Balance
of each REMIC I Regular  Interest shall never be less than zero. With respect to
the Class CE Interest as of any date of  determination,  an amount  equal to the
excess,  if any, of (A) the then aggregate  Uncertificated  Principal Balance of
the REMIC I Regular Interests over (B) the then aggregate  Certificate Principal
Balance  of the Class A  Certificates,  Mezzanine  Certificates  and the Class P
Certificates then outstanding.

      "Uncertificated  Interest":  With respect to any REMIC I Regular  Interest
for any  Distribution  Date, one month's interest at the REMIC I Remittance Rate
applicable to such REMIC I Regular Interest for such Distribution  Date, accrued
on the  Uncertificated  Balance thereof  immediately  prior to such Distribution
Date.  Uncertificated  Interest in respect of any REMIC I Regular Interest shall
accrue on the basis of a  360-day  year  consisting  of  twelve  30-day  months.
Uncertificated  Interest with respect to each Distribution Date, as to any REMIC
I Regular  Interest,  shall be reduced by an amount  equal to the sum of (a) the
aggregate  Prepayment Interest Shortfall,  if any, for such Distribution Date to
the extent not  covered by  payments  pursuant  to Section  4.03(e)  and (b) the
aggregate amount of any Relief Act Interest Shortfall, if any allocated, in each
case,  to such REMIC I Regular  Interest  pursuant to Section 1.02. In addition,
Uncertificated  Interest with respect to each Distribution Date, as to any REMIC
I Regular  Interest shall be reduced by Realized  Losses,  if any,  allocated to
such REMIC I Regular Interest pursuant to Section 1.02 and Section 4.04.

      "Underwriters":  UBS Securities  LLC,  Deutsche Bank  Securities  Inc. and
JPMorgan Securities Inc.

      "Underwriters' Exemption": As defined in the Prospectus Supplement.

      "Uninsured  Cause":  Any cause of damage to a Mortgaged Property such that
the  complete  restoration  of such  property is not fully  reimbursable  by the
hazard insurance policies required to be maintained pursuant to Section 3.08.

      "United  States  Person":  A citizen or resident of the United  States,  a
corporation,  partnership  or other entity created or organized in, or under the
laws of, the  United  States,  any state  thereof or the  District  of  Columbia
(except,  in the case of a partnership,  to the extent provided in regulations);
provided  that,  solely for  purposes  of the  restrictions  on the  transfer of

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Residual  Certificates,  no partnership or other entity treated as a partnership
for  United  States  federal  income tax  purposes  shall be treated as a United
States Person unless all persons that own an interest in such partnership either
directly  or through  any entity  that is not a  corporation  for United  States
federal income tax purposes are required by the applicable  operative  agreement
to be United  States  Persons,  or an estate  whose  income is subject to United
States federal income tax regardless of its source, or 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 the
authority  to control  all  substantial  decisions  of the trust.  To the extent
prescribed in regulations  by the Secretary of the Treasury,  which have not yet
been  issued,  a trust which was in  existence  on August 20, 1996 (other than a
trust  treated as owned by the grantor under subpart E of part I of subchapter J
of chapter 1 of the Code),  and which was treated as a United  States  person on
August 20, 1996 may elect to continue  to be treated as a United  States  person
notwithstanding  the previous sentence.  The term "United States" shall have the
meaning set forth in Section 7701 of the Code.

      "Value":  With respect to any  Mortgaged  Property,  the lesser of (i) the
value  thereof as  determined  by an appraisal  made for the  originator  of the
Mortgage  Loan at the time of  origination  of the Mortgage Loan by an appraiser
who met the minimum requirements of the Financial Institutions Reform,  Recovery
and  Enforcement  Act of 1989,  and (ii) the purchase price paid for the related
Mortgaged  Property by the  Mortgagor  with the proceeds of the  Mortgage  Loan,
provided,  however, in the case of a Refinanced Mortgage Loan, such value of the
Mortgaged  Property is based  solely upon the value  determined  by an appraisal
made  for  the  originator  of such  Refinanced  Mortgage  Loan  at the  time of
origination of such Refinanced Mortgage Loan by an appraiser who met the minimum
requirements of the Financial Institutions Reform,  Recovery and Enforcement Act
of 1989 or, subject to the applicable Originator's  underwriting guidelines,  an
insured automated valuation model.

      "Voting  Rights":  The  portion  of  the  voting  rights  of  all  of  the
Certificates which is allocated to any Certificate.  With respect to any date of
determination,  98% of all Voting Rights shall be allocated among the Holders of
the  Class  A  Certificates,   the  Mezzanine  Certificates  and  the  Class  CE
Certificates  in  proportion  to  the  then  outstanding  Certificate  Principal
Balances of their  respective  Certificates,  1% of all Voting  Rights  shall be
allocated to the Holders of the Class P Certificates and 1% of all Voting Rights
shall be allocated  among the Holders of the Residual  Certificates.  The Voting
Rights  allocated to each Class of Certificate  shall be allocated among Holders
of each such Class in accordance with their respective  Percentage  Interests as
of the most recent Record Date.  Notwithstanding any of the foregoing,  unless a
Certificate  Insurer  Default is  continuing,  on any date on which any  Insured
Certificates are outstanding, or any amounts are owed to the Certificate Insurer
under the Insurance  Agreement or this Agreement,  the Certificate  Insurer will
have all Voting Rights of the Insured  Certificates.  So long as the Certificate
Insurer has the Voting Rights pursuant to the preceding sentence,  the reference
to  holders  of the  Insured  Certificates  shall  be  deemed  to  refer  to the
Certificate Insurer.

      SECTION 1.02. Allocation of Certain Interest Shortfalls.

      For purposes of calculating the amount of Accrued Certificate Interest and
the amount of the Interest Distribution Amount for the Class A Certificates, the
Mezzanine

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Certificates  and the  Class CE  Certificates  for any  Distribution  Date,  the
aggregate  amount of any  Prepayment  Interest  Shortfalls  (to the  extent  not
covered by payments by the Master Servicer  pursuant to Section 4.03(e)) and any
Relief Act Interest Shortfalls incurred in respect of the Mortgage Loans for any
Distribution  Date shall be allocated  first, to reduce the interest  accrued on
the  Class  CE  Certificates  to the  extent  of  one  month's  interest  at the
applicable  Pass-Through  Rate on the Notional  Amount of such  Certificate  and
thereafter,  among the Class A Certificates and the Mezzanine  Certificates on a
PRO RATA basis based on, and to the extent of, one month's  interest at the then
applicable respective  Pass-Through Rate on the respective Certificate Principal
Balance of each such Certificate.

      For purposes of calculating the amount of Uncertificated  Interest for the
REMIC I Regular Interests for any Distribution Date:

            (A) The REMIC I Marker Allocation Percentage of the aggregate amount
      of any  Prepayment  Interest  Shortfalls  (to the  extent  not  covered by
      payments by the Master Servicer pursuant to Section 4.03(e)) and the REMIC
      I Marker  Allocation  Percentage  of any  Relief Act  Interest  Shortfalls
      incurred in respect of the Mortgage Loans for any Distribution  Date shall
      be  allocated  among  REMIC I  Regular  Interest  I-LTA1,  REMIC I Regular
      Interest I-LTA2, REMIC I Regular Interest I-LTA3, REMIC I Regular Interest
      I-LTA4,  REMIC I Regular Interest I-LTA5, REMIC I Regular Interest I-LTM1,
      REMIC I Regular Interest I-LTM2,  REMIC I Regular Interest I-LTM3, REMIC I
      Regular Interest I-LTM4,  REMIC I Regular Interest I-LTM5, REMIC I Regular
      Interest I-LTM6, REMIC I Regular Interest I-LTM7, REMIC I Regular Interest
      I-LTM8,  REMIC I Regular Interest I-LTM9, REMIC I Regular Interest I-LTM10
      and REMIC I Regular Interest I-LTZZ, PRO RATA, based on, and to the extent
      of,  one  month's  interest  at the  then  applicable  respective  REMIC I
      Remittance  Rate on the  respective  Uncertificated  Balance  of each such
      REMIC I Regular Interest; and

            (B) The  REMIC  I Sub WAC  Allocation  Percentage  of the  aggregate
      amount of any Prepayment Interest Shortfalls (to the extent not covered by
      payments by the Master Servicer pursuant to Section 4.03(e)) and the REMIC
      I Sub WAC  Allocation  Percentage  of any Relief Act  Interest  Shortfalls
      incurred in respect of the Mortgage Loans for any Distribution  Date shall
      be  allocated  to  Uncertificated  Interest  payable  to  REMIC I  Regular
      Interest  I-LT1SUB,  REMIC I Regular  Interest  I-LT1GRP,  REMIC I Regular
      Interest  I-LT2SUB,  REMIC I Regular Interest I-LT2GRP and REMIC I Regular
      Interest  I-LTXX,  PRO RATA,  based on, and to the extent of, one  month's
      interest at the then applicable  respective REMIC I Remittance Rate on the
      respective Uncertificated Balance of each such REMIC I Regular Interest.

      SECTION 1.03. Rights of the NIMS Insurer.

      Each of the rights of the NIMS Insurer set forth in this  Agreement  shall
exist  so long as (i) the NIMS  Insurer  has  undertaken  to  guarantee  certain
payments of notes issued  pursuant to an Indenture  and (ii) any series of notes
issued pursuant to one or more Indentures remain outstanding or the NIMS Insurer
is owed amounts in respect of its guarantee of payment on such notes;  provided,
however,  the NIMS Insurer shall not have any rights hereunder  (except pursuant
to Section 11.01 in the case of clause (ii) below) during the period of time, if
any, that

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<PAGE>

(i) the NIMS Insurer has not undertaken to guarantee  certain  payments of notes
issued  pursuant  to the  Indenture  or (ii) any  default  has  occurred  and is
continuing under the insurance policy issued by the NIMS Insurer with respect to
such notes.

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<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;
                        ORIGINAL ISSUANCE OF CERTIFICATES

      SECTION 2.01. Conveyance of Mortgage Loans.

      The Depositor,  concurrently with the execution and delivery hereof,  does
hereby  transfer,  assign,  set over and otherwise convey to the Trustee without
recourse for the benefit of the  Certificateholders  and the Certificate Insurer
all the right,  title and  interest of the  Depositor,  including  any  security
interest therein for the benefit of the Depositor,  in and to the Mortgage Loans
identified on the Mortgage Loan Schedule,  the rights of the Depositor under the
Mortgage Loan Purchase Agreement, all other assets included or to be included in
REMIC I (including any payments made under the Cap  Contracts).  Such assignment
includes  all  interest and  principal  received by the  Depositor or the Master
Servicer  on or with  respect to the  Mortgage  Loans  (other  than  payments of
principal  and  interest  due on such  Mortgage  Loans on or before the  Cut-off
Date).  The Depositor  herewith  delivers to the Trustee an executed copy of the
Mortgage   Loan  Purchase   Agreement   and  the  Trustee,   on  behalf  of  the
Certificateholders  and the  Certificate  Insurer,  acknowledges  receipt of the
same.

      In connection with such transfer and assignment, the Depositor does hereby
deliver  to,  and  deposit  with the  Custodian  on  behalf of the  Trustee  the
following  documents  or  instruments  with  respect  to each  Mortgage  Loan so
transferred  and assigned the following  documents or  instruments  (a "Mortgage
File"):

            (i) the original Mortgage Note, endorsed in blank, without recourse,
      or in the following form: "Pay to the order of Wells Fargo Bank,  N.A., as
      Trustee under the applicable agreement,  without recourse," with all prior
      and intervening  endorsements showing a complete chain of endorsement from
      the originator to the Person so endorsing to the Trustee,  or with respect
      to any lost  Mortgage  Note,  an original  Lost Note  Affidavit;  provided
      however,  that such  substitutions  of Lost Note  Affidavits  for original
      Mortgage  Notes may  occur  only  with  respect  to  Mortgage  Loans,  the
      aggregate Cut-off Date Principal Balance of which is less than or equal to
      2.00% of the Pool Balance as of the Cut-off Date;

            (ii) the original Mortgage,  with evidence of recording thereon, and
      a copy,  certified by the appropriate  recording  office,  of the recorded
      power of attorney,  if the  Mortgage  was executed  pursuant to a power of
      attorney, with evidence of recording thereon;

            (iii) an  original  Assignment  of the  Mortgage  assigned in blank,
      without recourse;

            (iv) the original recorded intervening  Assignment or Assignments of
      the Mortgage showing a complete chain of assignment from the originator to
      the Person  assigning the Mortgage to the Trustee as  contemplated  by the
      immediately preceding clause (iii) or the original unrecorded  intervening
      Assignments;

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<PAGE>

            (v) the original or copies of each assumption, modification, written
      assurance or substitution agreement, if any; and

            (vi) the original  lenders's title insurance policy or an attorney's
      opinion of title or similar  guarantee  of title  acceptable  to  mortgage
      lenders  generally in the  jurisdiction  where the  Mortgaged  Property is
      located,  together with all  endorsements or riders which were issued with
      or  subsequent  to the  issuance  of such  policy,  or in the  event  such
      original  title policy is  unavailable,  a written  commitment  or uniform
      binder or  preliminary  report of title  issued by the title  insurance or
      escrow company.

      If any of the documents  referred to in Sections  2.01(ii),  (iii) or (iv)
above has as of the Closing Date been submitted for recording but either (x) has
not been returned from the applicable  public  recording  office or (y) has been
lost or such public recording office has retained the original of such document,
the obligations of the Depositor to deliver such documents shall be deemed to be
satisfied upon (1) delivery to the Trustee,  or to the appropriate  Custodian on
behalf  of the  Trustee,  of a copy  of  each  such  document  certified  by the
applicable  Originator  in the  case  of (x)  above  or  the  applicable  public
recording  office in the case of (y) above to be a true and complete copy of the
original  that was  submitted for recording and (2) if such copy is certified by
the  applicable  Originator,  delivery  to the  Trustee,  or to the  appropriate
Custodian on behalf of the Trustee,  promptly upon receipt thereof of either the
original or a copy of such document certified by the applicable public recording
office to be a true and complete copy of the original.  If the original lender's
title insurance policy was not delivered pursuant to Section 2.01(vi) above, the
Depositor  shall  deliver or cause to be  delivered  to the  Trustee,  or to the
appropriate Custodian on behalf of the Trustee,  promptly after receipt thereof,
the original  lender's title  insurance  policy.  The Depositor shall deliver or
cause to be delivered to the Trustee, or to the appropriate  Custodian on behalf
of the Trustee,  promptly  upon  receipt  thereof any other  original  documents
constituting  a part of a Mortgage  File  received  with respect to any Mortgage
Loan,  including,  but not  limited to, any  original  documents  evidencing  an
assumption or modification of any Mortgage Loan.

      The Seller shall promptly (and in no event later than thirty (30) Business
Days,  subject to extension upon a mutual  agreement  between the Seller and the
Trustee),  following the later of (i) the Closing  Date,  (ii) the date on which
the Seller  receives the  Assignment  from the  Custodian  and (iii) the date of
receipt by the Seller of the  recording  information  for a Mortgage)  submit or
cause to be  submitted  for  recording,  at no  expense to the Trust Fund or the
Trustee,  in the  appropriate  public  office for real  property  records,  each
Assignment  referred to in Sections  2.01(iii)  and (iv) above and shall execute
each original Assignment referred to in Section 2.01(iii) above in the following
form:  "Wells Fargo Bank,  N.A., as Trustee under the applicable  agreement." In
the event that any such Assignment is lost or returned  unrecorded  because of a
defect  therein,  the Seller) shall  promptly  prepare or cause to be prepared a
substitute  Assignment or cure or cause to be cured such defect, as the case may
be, and thereafter cause each such Assignment to be duly recorded.

      Notwithstanding the foregoing, however, for administrative convenience and
facilitation of servicing and to reduce closing costs, the Assignments shall not
be required to be submitted for  recording  (except with respect to any Mortgage
Loan  located in  Maryland)  unless  such  failure to record  would  result in a
withdrawal or a  downgrading  by any Rating Agency of

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<PAGE>

the  rating  on  any  Class  of  Certificates   (in  the  case  of  the  Insured
Certificates,  without regard to the  Certificate  Insurance  Policy);  provided
further,  however,  each Assignment of Mortgage shall be submitted for recording
by the Seller (at the direction of the Master  Servicer) in the manner described
above,  at no expense to the Trust Fund or the  Trustee,  upon the  earliest  to
occur of: (i)  reasonable  direction by Holders of  Certificates  entitled to at
least 25% of the Voting  Rights,  the  Certificate  Insurer or the NIMS Insurer,
(ii) [reserved],  (iii) the occurrence of a bankruptcy or insolvency relating to
the Seller,  (iv) the occurrence of a servicing transfer as described in Section
7.02  hereof  and (v)  with  respect  to any one  Assignment  or  Mortgage,  the
occurrence of a bankruptcy,  insolvency or foreclosure relating to the Mortgagor
under the related  Mortgage.  Notwithstanding  the  foregoing,  if the Seller is
unable to pay the cost of recording the Assignments,  such expense shall be paid
by the Trustee  and shall be  reimbursable  to the  Trustee as an  Extraordinary
Trust Fund Expense.

      All  original  documents  relating  to the  Mortgage  Loans  that  are not
delivered  to the  Trustee,  or to the  appropriate  Custodian  on behalf of the
Trustee,  are and shall be held by or on behalf of the Seller,  the Depositor or
the Master Servicer, as the case may be, in trust for the benefit of the Trustee
on behalf of the  Certificateholders  and the Certificate  Insurer. In the event
that any such  original  document  is  required  pursuant  to the  terms of this
Section  to be a part of a  Mortgage  File,  such  document  shall be  delivered
promptly  to the  Trustee,  or to the  appropriate  Custodian  on  behalf of the
Trustee.  Any such original document  delivered to or held by the Depositor that
is not required pursuant to the terms of this Section to be a part of a Mortgage
File, shall be delivered promptly to the Master Servicer.

      The parties  hereto  understand and agree that it is not intended that any
mortgage  loan be  included  in the Trust  that is a  "High-Cost  Home  Loan" as
defined by HOEPA or any other applicable predatory or abusive lending laws.

      SECTION 2.02. Acceptance of REMIC I by the Trustee.

      Subject to the  provisions  of Section 2.01 and subject to any  exceptions
noted on the exception report described in the next paragraph below, the Trustee
acknowledges  receipt (or, with respect to Mortgage Loans subject to a Custodial
Agreement,  receipt by the respective  Custodian as the duly appointed  agent of
the  Trustee)  of the  documents  referred  to in Section  2.01 (other than such
documents  described in Section  2.01(v))  above and all interests and all other
assets  included in the definition of "REMIC I" under clauses (i),  (iii),  (iv)
and (v) (to the extent of amounts  deposited into the Distribution  Account) and
declares  that it, or such  Custodian  as its  agent,  holds and shall hold such
documents and the other documents  delivered to it constituting a Mortgage File,
and that it holds or shall hold all such assets and such other  assets  included
in the definition of "REMIC I" in trust for the exclusive use and benefit of all
present and future Certificateholders and the Certificate Insurer.

      On or prior to the Closing Date,  the Trustee  agrees,  for the benefit of
the  Certificateholders  and the Certificate Insurer, to execute and deliver (or
cause the  Custodian  to  execute  and  deliver)  to the  Depositor,  the Master
Servicer,  the  Certificate  Insurer and the NIMS Insurer an  acknowledgment  of
receipt of the Mortgage Note (with any exceptions  noted),  substantially in the
form attached as Exhibit C-3 hereto.

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<PAGE>

      The  Trustee  agrees,  for the benefit of the  Certificateholders  and the
Certificate  Insurer,  to review (or cause a Custodian  on its behalf to review)
each  Mortgage  Note  within  45 days of the  Closing  Date  and to  certify  in
substantially the form attached hereto as Exhibit C-1 (or cause the Custodian to
certify  in the form of the  Initial  Certification  attached  to the  Custodial
Agreement)  that,  as to each Mortgage Loan listed in the Mortgage Loan Schedule
(other than any  Mortgage  Loan paid in full or any Mortgage  Loan  specifically
identified in the exception  report annexed thereto as not being covered by such
certification), (i) all documents constituting part of such Mortgage File (other
than such documents described in Section 2.01(v)) required to be delivered to it
pursuant to this Agreement are in its possession,  (ii) such documents have been
reviewed by it or such Custodian and are not  mutilated,  torn or defaced unless
initialed by the related  borrower and relate to such Mortgage Loan, (iii) based
on its  or the  Custodian's  examination  and  only  as to  the  foregoing,  the
information  set forth in the Mortgage Loan Schedule that  corresponds  to items
(1) through (3),  (6),  (9),  (10),  (13),  (15) and (19) of the  definition  of
"Mortgage  Loan  Schedule"  accurately  reflects  information  set  forth in the
Mortgage File. It is herein  acknowledged  that, in conducting such review,  the
Trustee or such Custodian was under no duty or obligation (i) to inspect, review
or examine any such  documents,  instruments,  certificates  or other  papers to
determine  whether  they  are  genuine,  enforceable,  or  appropriate  for  the
represented purpose or whether they have actually been recorded or that they are
other than what they  purport to be on their face or (ii) to  determine  whether
any Mortgage File should include any of the documents specified in clause (v) of
Section 2.01.

      Prior to the first  anniversary  date of this  Agreement the Trustee shall
deliver to the Depositor,  the Master Servicer,  the Certificate Insurer and the
NIMS Insurer a final certification in the form annexed hereto as Exhibit C-2 (or
shall cause the Custodian to deliver to the Trustee,  the Depositor,  the Master
Servicer,  the Certificate Insurer and the NIMS Insurer a final certification in
the form attached to the Custodial Agreement) evidencing the completeness of the
Mortgage Files,  with any applicable  exceptions noted thereon,  with respect to
all of the  Mortgage  Loans.  Upon the  request  of the Master  Servicer  or the
Certificate  Insurer,  any exception  report related to the final  certification
shall be provided in an electronic  computer  readable format as mutually agreed
upon by the Master  Servicer and the Trustee (or the  Custodian on behalf of the
Trustee).

      If in the process of reviewing the Mortgage Files and making or preparing,
as the case may be, the  certifications  referred  to above,  the Trustee or any
Custodian finds any document or documents constituting a part of a Mortgage File
to  be  missing,  mutilated,  torn  or  defaced  or  does  not  conform  to  the
requirements  identified  above, at the conclusion of its review the Trustee (or
the Custodian on behalf of the Trustee) shall so notify the Depositor,  the NIMS
Insurer, the Certificate Insurer and the Master Servicer. In addition,  upon the
discovery  by  the  Depositor,  the  NIMS  Insurer,  the  Master  Servicer,  the
Certificate Insurer or the Trustee of a breach of any of the representations and
warranties made by the Seller in the Mortgage Loan Purchase Agreement in respect
of any Mortgage Loan which  materially  adversely  affects such Mortgage Loan or
the interests of the related  Certificateholders  or the Certificate  Insurer in
such Mortgage Loan, the party  discovering such breach shall give prompt written
notice to the other parties and the Certificate Insurer.

      The Trustee (or the  Custodian  on behalf of the  Trustee)  shall,  at the
written request and expense of any  Certificateholder,  any Certificate Owner or
the Certificate Insurer,

                                       65
<PAGE>

provide a written report to such  Certificateholder,  such Certificate  Owner or
the Certificate  Insurer,  of all Mortgage Files released to the Master Servicer
for servicing purposes.

      SECTION 2.03.  Repurchase or  Substitution of Mortgage Loans by the Seller
                     or the Depositor; Payment of Prepayment Charge Payment
                     Amounts.

      (a) Upon  discovery or receipt of notice  (including  notice under Section
2.02) of any  materially  defective  document  in, or that a document is missing
from,  the Mortgage  File or of the breach by the Seller of any  representation,
warranty or covenant  under the Mortgage Loan  Purchase  Agreement in respect of
any Mortgage Loan which materially  adversely affects the value of such Mortgage
Loan  or the  interest  therein  of the  Certificateholders  or the  Certificate
Insurer,  the Trustee shall promptly  notify the Seller,  the NIMS Insurer,  the
Certificate Insurer and the Master Servicer of such defect,  missing document or
breach and request that the Seller  deliver  such missing  document or cure such
defect or breach  within 90 days from the date the Seller had  knowledge  or was
notified of such missing document,  defect or breach, and if the Seller does not
deliver  such  missing  document or cure such  defect or breach in all  material
respects  during such period the Trustee  shall enforce the  obligations  of the
Seller under the Mortgage  Loan Purchase  Agreement to repurchase  such Mortgage
Loan from REMIC I at the  Purchase  Price within 90 days after the date on which
the Seller was notified  (subject to Section 2.03(d)) of such missing  document,
defect or breach,  if and to the extent  that the Seller is  obligated  to do so
under  the  Mortgage  Loan  Purchase  Agreement.  The  Purchase  Price  for  the
repurchased  Mortgage Loan shall be deposited in the Collection Account, and the
Trustee,  upon receipt of written certification from the Master Servicer of such
deposit,  shall release to the Seller the related  Mortgage File and execute and
deliver  such  instruments  of  transfer  or  assignment,  in each case  without
recourse, as the Seller shall furnish to it and as shall be necessary to vest in
the Seller any Mortgage Loan released pursuant hereto, and the Trustee shall not
have any further  responsibility  with regard to such Mortgage  File. In lieu of
repurchasing  any such  Mortgage Loan as provided  above,  if so provided in the
Mortgage Loan Purchase Agreement,  the Seller may cause such Mortgage Loan to be
removed from REMIC I (in which case it shall become a Deleted Mortgage Loan) and
substitute  one or more  Qualified  Substitute  Mortgage Loans in the manner and
subject to the  limitations set forth in Section  2.03(c).  It is understood and
agreed  that  the  obligation  of the  Seller  to cure or to  repurchase  (or to
substitute for) any Mortgage Loan as to which a document is missing,  a material
defect in a document  exists or as to which such a breach  has  occurred  and is
continuing shall constitute the sole remedy respecting such omission,  defect or
breach available to the Trustee on behalf of the Certificateholders.

      (b) (i) Promptly  upon the earlier of discovery by the Master  Servicer or
receipt of notice by the Master  Servicer  of the breach of any  representation,
warranty or covenant of the Master  Servicer  set forth in Section  2.05,  which
materially and adversely affects the interests of the  Certificateholders in any
Mortgage  Loan,  the  Master  Servicer  shall cure such  breach in all  material
respects.

      (ii)  Notwithstanding  the provisions of Section  2.03(b)(i) above, on the
later of (x) the Master  Servicer  Remittance Date next following the earlier of
discovery by the Master  Servicer or receipt of notice by the Master Servicer of
the breach of the covenant made by the

                                       66
<PAGE>

Master  Servicer in Section  2.05(viii),  which breach  materially and adversely
affects  the  interests  of the  Holders  of the  Class  P  Certificates  to any
Prepayment Charge and (y) the Master Servicer Remittance Date next following the
Prepayment  Period relating to such a breach,  the Master Servicer shall deposit
into the Collection  Account,  as a Master  Servicer  Prepayment  Charge Payment
Amount, the amount of the waived Prepayment Charge.

      (c) Any  substitution of Qualified  Substitute  Mortgage Loans for Deleted
Mortgage Loans made pursuant to Section 2.03(a),  in the case of the Seller,  or
Section  2.03(b),  in the case of the  Depositor,  must be effected prior to the
date which is two years after the Startup Day for REMIC I.

      As to any  Deleted  Mortgage  Loan for which the  Seller or the  Depositor
substitutes a Qualified  Substitute  Mortgage Loan or Loans,  such  substitution
shall be effected by the Seller or the Depositor, as the case may be, delivering
to the Trustee (or the Custodian on behalf of the Trustee),  for such  Qualified
Substitute  Mortgage  Loan or  Loans,  the  Mortgage  Note,  the  Mortgage,  the
Assignment to the Trustee,  and such other  documents and  agreements,  with all
necessary  endorsements  thereon, as are required by Section 2.01, together with
an Officers'  Certificate providing that each such Qualified Substitute Mortgage
Loan satisfies the definition thereof and specifying the Substitution  Shortfall
Amount (as described below), if any, in connection with such  substitution.  The
Trustee (or the Custodian on behalf of the Trustee)  shall  acknowledge  receipt
for such Qualified  Substitute  Mortgage Loan or Loans and,  within ten Business
Days thereafter,  review such documents as specified in Section 2.02 and deliver
to the Depositor, the NIMS Insurer, the Certificate Insurer, the Trustee and the
Master  Servicer,  with respect to such  Qualified  Substitute  Mortgage Loan or
Loans, a certification substantially in the form attached hereto as Exhibit C-1,
with any applicable  exceptions  noted  thereon.  Within one year of the date of
substitution,  the Trustee (or the  Custodian  on behalf of the  Trustee)  shall
deliver to the  Depositor,  the NIMS Insurer,  the  Certificate  Insurer and the
Master Servicer a certification  substantially in the form of Exhibit C-2 hereto
with  respect to such  Qualified  Substitute  Mortgage  Loan or Loans,  with any
applicable  exceptions  noted  thereon.  Monthly  Payments  due with  respect to
Qualified Substitute Mortgage Loans in the month of substitution are not part of
REMIC I and shall be retained by the  Depositor  or the Seller,  as the case may
be. For the month of  substitution,  distributions to  Certificateholders  shall
reflect the Monthly  Payment due on such Deleted  Mortgage Loan on or before the
Due Date in the month of substitution,  and the Depositor or the Seller,  as the
case may be,  shall  thereafter  be entitled to retain all amounts  subsequently
received in respect of such Deleted  Mortgage Loan. The Depositor  shall give or
cause to be given written notice to the Certificateholders, the Master Servicer,
the NIMS Insurer and the Certificate  Insurer that such  substitution  has taken
place, shall amend the Mortgage Loan Schedule and, if applicable, the Prepayment
Charge  Schedule,  to reflect the removal of such Deleted Mortgage Loan from the
terms  of  this  Agreement  and the  substitution  of the  Qualified  Substitute
Mortgage  Loan or Loans and shall  deliver a copy of such amended  Mortgage Loan
Schedule to the Trustee,  the Master Servicer,  the Certificate  Insurer and the
NIMS Insurer. Upon such substitution, such Qualified Substitute Mortgage Loan or
Loans shall  constitute  part of the  Mortgage  Pool and shall be subject in all
respects  to the  terms of this  Agreement  and,  in the case of a  substitution
effected by the Seller,  the Mortgage  Loan  Purchase  Agreement,  including all
applicable representations and warranties thereof.

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      For any month in which the Depositor or the Seller substitutes one or more
Qualified  Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the
Master  Servicer  shall  determine  the  amount  (the  "Substitution   Shortfall
Amount"),  if any, by which the  aggregate  Purchase  Price of all such  Deleted
Mortgage  Loans exceeds the aggregate of, as to each such  Qualified  Substitute
Mortgage  Loan,  the  Scheduled  Principal  Balance  thereof  as of the  date of
substitution,  together with one month's  interest on such  Scheduled  Principal
Balance at the applicable  Net Mortgage Rate. On the date of such  substitution,
the  Depositor or the Seller,  as the case may be, shall  deliver or cause to be
delivered to the Master Servicer for deposit in the Collection Account an amount
equal to the  Substitution  Shortfall  Amount,  if any,  and the  Trustee,  upon
receipt  of  the  related  Qualified  Substitute  Mortgage  Loan  or  Loans  and
certification by the Master Servicer of such deposit,  shall cause the Custodian
to release  to the  Depositor  or the  Seller,  as the case may be, the  related
Mortgage  File or Files  and shall  execute  and  deliver  such  instruments  of
transfer or assignment,  in each case without recourse,  as the Depositor or the
Seller,  as the case may be,  shall  deliver to it and as shall be  necessary to
vest therein any Deleted Mortgage Loan released pursuant hereto.

      In addition, the Depositor or the Seller, as the case may be, shall obtain
at its own  expense  and  deliver  to the  Trustee,  the  NIMS  Insurer  and the
Certificate  Insurer an Opinion of Counsel to the effect that such  substitution
shall not cause (a) any federal tax to be imposed on any Trust REMIC,  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 Trust REMIC to fail to qualify
as a REMIC at any time that any Certificate is outstanding.

      (d) Upon discovery by the  Depositor,  the NIMS Insurer,  the  Certificate
Insurer,  the Seller,  the Master Servicer or the Trustee that any Mortgage Loan
does not  constitute  a  "qualified  mortgage"  within  the  meaning  of Section
860G(a)(3)  of the  Code,  the party  discovering  such fact  shall  within  two
Business Days give written notice  thereof to the other  parties.  In connection
therewith,  the Seller or the  Depositor  shall  repurchase  or,  subject to the
limitations  set forth in  Section  2.03(c),  substitute  one or more  Qualified
Substitute  Mortgage Loans for the affected  Mortgage Loan within 90 days of the
earlier of  discovery  or receipt of such notice with  respect to such  affected
Mortgage Loan. Such repurchase or substitution  shall be made by the Seller. Any
such repurchase or substitution shall be made in the same manner as set forth in
Section 2.03(a).  The Trustee shall reconvey to the Depositor or the Seller,  as
the case may be, the Mortgage  Loan to be released  pursuant  hereto in the same
manner,  and on the same  terms  and  conditions,  as it would a  Mortgage  Loan
repurchased for breach of a representation or warranty.

      SECTION 2.04. [Reserved].

      SECTION  2.05.  Representations,  Warranties  and  Covenants of the Master
Servicer.

      The Master  Servicer  hereby  represents,  warrants  and  covenants to the
Trustee, for the benefit of each of the Trustee, the  Certificateholders  and to
the  Depositor  that as of the  Closing  Date or as of  such  date  specifically
provided herein:

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            (i) The Master  Servicer is a corporation  duly  organized,  validly
      existing  and in good  standing  under the laws of the State of New Jersey
      and is duly  authorized  and  qualified  to transact  any and all business
      contemplated  by this Agreement to be conducted by the Master  Servicer in
      any state in which a  Mortgaged  Property is located or is  otherwise  not
      required  under  applicable law to effect such  qualification  and, in any
      event, is in compliance with the doing business laws of any such State, to
      the extent  necessary to ensure its ability to enforce each  Mortgage Loan
      and to service the  Mortgage  Loans in  accordance  with the terms of this
      Agreement;

            (ii) The Master Servicer has the full power and authority to service
      each Mortgage Loan, and to execute, deliver and perform, and to enter into
      and consummate  the  transactions  contemplated  by this Agreement and has
      duly  authorized  by all  necessary  corporate  action  on the part of the
      Master Servicer the execution, delivery and performance of this Agreement;
      and this Agreement, assuming the due authorization, execution and delivery
      thereof by the Depositor and the Trustee,  constitutes a legal,  valid and
      binding obligation of the Master Servicer,  enforceable against the Master
      Servicer in accordance  with its terms,  except to the extent that (a) the
      enforceability   thereof  may  be  limited  by   bankruptcy,   insolvency,
      moratorium,  receivership  and other  similar laws  relating to creditors'
      rights generally and (b) the remedy of specific performance and injunctive
      and other  forms of  equitable  relief  may be  subject  to the  equitable
      defenses and to the  discretion  of the court before which any  proceeding
      therefor may be brought;

            (iii) The  execution  and  delivery of this  Agreement by the Master
      Servicer,  the  servicing  of the  Mortgage  Loans by the Master  Servicer
      hereunder,  the  consummation  of any  other  of the  transactions  herein
      contemplated,  and the  fulfillment of or compliance with the terms hereof
      are in the  ordinary  course of business of the Master  Servicer and shall
      not (A) result in a breach of any term or provision of the  organizational
      documents of the Master Servicer or (B) conflict with, result in a breach,
      violation or acceleration  of, or result in a default under,  the terms of
      any other material agreement or instrument to which the Master Servicer is
      a party or by which it may be bound,  or any statute,  order or regulation
      applicable  to  the  Master  Servicer  of  any  court,   regulatory  body,
      administrative  agency or governmental  body having  jurisdiction over the
      Master  Servicer;  and the Master Servicer is not a party to, bound by, or
      in breach or violation of any indenture or other  agreement or instrument,
      or subject to or in violation of any statute,  order or  regulation of any
      court, regulatory body,  administrative agency or governmental body having
      jurisdiction  over it, which  materially and adversely  affects or, to the
      Master Servicer's knowledge,  would in the future materially and adversely
      affect,  (x) the ability of the Master Servicer to perform its obligations
      under this Agreement or (y) the business, operations, financial condition,
      properties or assets of the Master Servicer taken as a whole;

            (iv) The Master Servicer is an approved  seller/servicer  for Fannie
      Mae or  Freddie  Mac in  good  standing  and is a HUD  approved  mortgagee
      pursuant to Section 203 and Section 211 of the National Housing Act;

            (v) No litigation is pending  against the Master Servicer that would
      materially and adversely affect the execution,  delivery or enforceability
      of this

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<PAGE>

      Agreement  or the ability of the Master  Servicer to service the  Mortgage
      Loans or to perform any of its other  obligations  hereunder in accordance
      with the terms hereof;

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

            (vii) The Master Servicer shall furnish, in accordance with the Fair
      Credit  Reporting  Act  and its  implementing  regulations,  accurate  and
      complete  information  (e.g.,  favorable and  unfavorable) on its borrower
      credit  files to  Equifax,  Experian  and Trans Union  Credit  Information
      company or their successors on a monthly basis;

            (viii) The Master Servicer shall not waive any Prepayment  Charge or
      part of a Prepayment Charge unless, (i) the  enforceability  thereof shall
      have been limited by bankruptcy, insolvency, moratorium,  receivership and
      other  similar laws relating to  creditors'  rights  generally or (ii) the
      collectability  thereof  shall have been  limited due to  acceleration  in
      connection  with a foreclosure or other  involuntary  payment or otherwise
      limited or prohibited by applicable  law,  (iii) in the Master  Servicer's
      reasonable  judgment as described in Section 3.01 hereof,  (x) such waiver
      relates to a default or a reasonably  foreseeable default, (y) such waiver
      would maximize recovery of total proceeds taking into account the value of
      such  Prepayment  Charge  and  related  Mortgage  Loan and (z) doing so is
      standard and customary in servicing  similar Mortgage Loans (including any
      waiver  of a  Prepayment  Charge in  connection  with a  refinancing  of a
      Mortgage  Loan that is related to a default  or a  reasonably  foreseeable
      default)  or (iv)  the  collection  of such  Prepayment  Charge  would  be
      considered "predatory" pursuant to written guidance published or issued by
      any applicable federal,  state or local regulatory authority acting in its
      official capacity and having  jurisdiction over such matters.  In no event
      shall the Master  Servicer waive a Prepayment  Charge in connection with a
      refinancing  of a  Mortgage  Loan that is not  related  to a default  or a
      reasonably foreseeable default;

            (ix) The  information  set forth in the monthly tape provided to the
      Trustee or any of its Affiliates shall be true and correct in all material
      respects; and

            (x) The Master Servicer shall transmit  full-file  credit  reporting
      data for each  Mortgage  Loan  pursuant  to Fannie Mae Guide  Announcement
      95-19 and that for each Mortgage  Loan,  Master  Servicer  agrees it shall
      report  one  of  the  following  statuses  each  month  as  follows:   new
      origination, current, delinquent (30-, 60-, 90-days, etc.), foreclosed, or
      charged-off.

      It is  understood  and agreed  that the  representations,  warranties  and
covenants set forth in this Section 2.05 shall survive  delivery of the Mortgage
Files to the Trustee or to a  Custodian,  as the case may be, and shall inure to
the benefit of the  Trustee,  the  Depositor  and the  Certificateholders.  Upon
discovery by any of the Depositor,  the NIMS Insurer, the Master Servicer or the
Trustee  of a breach of any of the  foregoing  representations,  warranties  and

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<PAGE>

covenants which materially and adversely affects the value of any Mortgage Loan,
Prepayment Charge or the interests therein of the Certificateholders,  the party
discovering  such breach shall give prompt written notice (but in no event later
than two Business  Days  following  such  discovery)  to the NIMS  Insurer,  the
Certificate Insurer and the Trustee.  Subject to Section 7.01, the obligation of
the Master  Servicer  set forth in Section  2.03(b) to cure  breaches (or in the
case of the  representations,  warranties  and  covenants  set forth in  Section
2.05(vii)  and Section  2.05(viii)  above,  to  otherwise  remedy such  breaches
pursuant to Section  2.03(b))  shall  constitute  the sole remedies  against the
Master  Servicer  available  to the  Certificateholders,  the  Depositor  or the
Trustee  on  behalf  of  the  Certificateholders  respecting  a  breach  of  the
representations, warranties and covenants contained in this Section 2.05.

      SECTION 2.06.  Issuance of the REMIC I Regular Interests and the Class R-I
                     Interest.

      The Trustee  acknowledges  the  assignment to it of the Mortgage Loans and
the delivery to it of the Mortgage  Files,  subject to the provisions of Section
2.01 and Section 2.02,  together  with the  assignment to it of all other assets
included in REMIC I, the receipt of which is hereby  acknowledged.  Concurrently
with such  assignment  and  delivery  and in  exchange  therefor,  the  Trustee,
pursuant to the written  request of the Depositor  executed by an officer of the
Depositor, has executed, authenticated and delivered to or upon the order of the
Depositor,  the Class R-I Interest in  authorized  denominations.  The interests
evidenced  by the  Class  R-I  Interest,  together  with  the  REMIC  I  Regular
Interests,  constitute the entire beneficial  ownership interest in REMIC I. The
rights of the Class R Certificateholders  and REMIC II (as holder of the REMIC I
Regular  Interests)  to receive  distributions  from the  proceeds of REMIC I in
respect  of  the  Class  R-I  Interest  and  the  REMIC  I  Regular   Interests,
respectively,  and all ownership interests evidenced or constituted by the Class
R-I  Interest and the REMIC I Regular  Interests,  shall be as set forth in this
Agreement.

      SECTION 2.07.  Conveyance of the REMIC I Regular Interests;  Acceptance of
                     REMIC II, REMIC III and REMIC IV by the Trustee.

      (a) The Depositor,  concurrently  with the execution and delivery  hereof,
does hereby  transfer,  assign,  set over and  otherwise  convey to the Trustee,
without  recourse all the right,  title and interest of the  Depositor in and to
the REMIC I Regular Interests for the benefit of the Class R  Certificateholders
and  REMIC  II (as  holder  of the  REMIC  I  Regular  Interests).  The  Trustee
acknowledges receipt of the 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  Class R  Certificateholders  and REMIC II (as holder of the REMIC I
Regular Interests).  The rights of the Class R  Certificateholders  and REMIC II
(as holder of the REMIC I Regular  Interests) to receive  distributions from the
proceeds  of  REMIC II in  respect  of the  Class R  Certificates  and  REMIC II
Certificates, respectively, and all ownership interests evidenced or constituted
by the Class R Certificates and the REMIC II Certificates, shall be as set forth
in this Agreement.

      (b) The Depositor,  concurrently  with the execution and delivery  hereof,
does hereby  transfer,  assign,  set over and  otherwise  convey in trust to the
Trustee without  recourse all the right,  title and interest of the Depositor in
and to the REMIC II Regular Interests (which are uncertificated) for the benefit
of the Holders of the REMIC III Regular Interests and the Class R

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Certificates (in respect of the Class R-III Interest).  The Trustee acknowledges
receipt of the REMIC II Regular  Interests  and declares that it holds and shall
hold the same in trust for the  exclusive  use and benefit of the Holders of the
REMIC III Regular  Interests and the Class R-X  Certificates  (in respect of the
Class R-III Interest).  The interests  evidenced by the Class R-III Interest and
the Class CE Certificates,  constitute the entire beneficial  ownership interest
in REMIC III.

      (c) The Depositor,  concurrently  with the execution and delivery  hereof,
does hereby  transfer,  assign,  set over and  otherwise  convey in trust to the
Trustee without  recourse all the right,  title and interest of the Depositor in
and to the Class P Interest  (which is  uncertificated)  for the  benefit of the
Holders of the Class P Certificates  and the Class R-X  Certificates (in respect
of the Class R-IV  Interest).  The Trustee  acknowledges  receipt of the Class P
Interest  and  declares  that it holds and shall  hold the same in trust for the
exclusive  use and  benefit of the Holders of the Class P  Certificates  and the
Class R-X  Certificates  (in respect of the Class R-IV Interest).  The interests
evidenced by the Class R-IV  Interest,  together with the Class P  Certificates,
constitute the entire beneficial ownership interest in REMIC IV.

      SECTION 2.08. Issuance of Class R Certificates and Class R-X Certificates.

      (a) The Trustee  acknowledges  the assignment to it of the REMIC I Regular
Interests and, concurrently therewith and in exchange therefor,  pursuant to the
written request of the Depositor  executed by an officer of the Depositor or the
Trustee has  executed,  authenticated  and delivered to or upon the order of the
Depositor, the Class R Certificates in authorized  denominations.  The interests
evidenced by the Class R Certificates,  together with the REMIC II Certificates,
constitute the entire beneficial ownership interest in REMIC II.

      (b) The Trustee acknowledges the assignment to it of the Class CE Interest
and the Class P Interest and,  concurrently  therewith and in exchange therefor,
pursuant to the written  request of the Depositor  executed by an officer of the
Depositor, the Trustee has executed,  authenticated and delivered to or upon the
order of the Depositor, the Class R-X Certificates in authorized  denominations.
The interests  evidenced by the Class R-X Certificates,  together with the Class
CE Certificates  and the Class P Certificates  constitute the entire  beneficial
ownership interest in REMIC III and REMIC IV.

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                                   ARTICLE III
                          ADMINISTRATION AND SERVICING
                              OF THE MORTGAGE LOANS

      SECTION 3.01. Master Servicer to Act as Master Servicer.

      The Master  Servicer  shall service and  administer  the Mortgage Loans on
behalf of the  Trustee and in the best  interests  of and for the benefit of the
Certificateholders  and the  Certificate  Insurer (as  determined  by the Master
Servicer in its  reasonable  judgment) in  accordance  with (i) the terms of the
respective  Mortgage Loans and any insurance policies related thereto,  (ii) all
Applicable Regulations, (iii) the terms of this Agreement and (iv) to the extent
consistent  with the  preceding  requirements,  in the same  manner  in which it
services and administers  similar  mortgage loans for its own portfolio,  giving
due  consideration  to  customary  and usual  standards  of  practice of prudent
mortgage  lenders and loan servicers  administering  similar  mortgage loans but
without regard to:

            (i) any relationship  that the Master Servicer,  any Sub-Servicer or
      any Affiliate of the Master Servicer or any Sub-Servicer may have with the
      related Mortgagor;

            (ii) the ownership of any  Certificate by the Master Servicer or any
      Affiliate of the Master Servicer;

            (iii) the Master Servicer's obligation to make Advances or Servicing
      Advances; or

            (iv) the Master  Servicer's or any  Sub-Servicer's  right to receive
      compensation for its services  hereunder or with respect to any particular
      transaction (the "Servicing Standard").

      Subject only to the  above-described  servicing standards and the terms of
this Agreement and of the respective  Mortgage Loans,  the Master Servicer shall
have full power and authority, acting alone or through Sub-Servicers as provided
in Section 6.06, to do or cause to be done any and all things in connection with
such  servicing  and  administration  which it may deem  necessary or desirable.
Without limiting the generality of the foregoing, the Master Servicer in its own
name or in the name of a Sub-Servicer is hereby  authorized and empowered by the
Trustee,  in  accordance  with the servicing  standards set forth above,  (i) to
execute and deliver, on behalf of the  Certificateholders  and the Trustee,  any
and all  instruments  of  satisfaction  or  cancellation,  or of partial or full
release  or  discharge,  or of  forbearance,  or of  modification  and all other
comparable  instruments,  with respect to the Mortgage  Loans and the  Mortgaged
Properties,  (ii) to institute foreclosure  proceedings or obtain a deed-in-lieu
of foreclosure to convert the ownership of such properties, and to hold or cause
to be held title to such properties, in the name of the Trust Fund, on behalf of
the Trustee and the Certificateholders, (iii) to market, sell and transfer title
of REO Properties  held in the name of the Trust Fund to third party  purchasers
upon  terms and  conditions  the  Master  Servicer  deems  reasonable  under the
Servicing Standard,  (iv) to bring or respond to civil actions or complaints (in
its own name or that of the  Trust  Fund or the  Trustee  on behalf of the Trust
Fund) related to any Mortgage Loan, Mortgaged

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<PAGE>

Property  or REO  Property  held by the Trust Fund and (v) to execute  any other
document necessary or appropriate to enable the Master Servicer to carry out its
servicing and  administrative  duties  hereunder  consistent  with the Servicing
Standard.

      At the written request of the Master  Servicer,  the Trustee shall execute
and  furnish  to  the  Master  Servicer  such  documents  as  are  necessary  or
appropriate  to  enable  the  Master  Servicer  to carry out its  servicing  and
administrative duties hereunder. By execution of this Agreement, the Trustee, on
behalf of the  Trust  Fund,  hereby  grants to the  Master  Servicer  a power of
attorney to execute  any and all  documents  necessary  to carry out any and all
servicing  duties  described  in this  Agreement  (including  the  taking of and
transferring  title of REO  Properties  to third parties held in the name of the
Trustee for the benefit of the Trust) and expressly confirms that this paragraph
along with the face page and a copy of the  signature  page (duly  executed)  to
this Agreement  shall  constitute the power of attorney for  evidentiary  and/or
recording  purposes.  The  Trustee  shall not be liable  for the  actions of the
Master Servicer or any Sub-Servicers under such powers of attorney.

      Subject  to Section  3.04(d)  hereof,  in  accordance  with the  Servicing
Standard,  the Master  Servicer  shall advance or cause to be advanced  funds as
necessary  for the  purpose  of  effecting  the  timely  payment  of  taxes  and
assessments  on the  Mortgaged  Properties,  which  advances  shall be Servicing
Advances  reimbursable in the first instance from related  collections  from the
Mortgagors  pursuant  to Section  3.04(d),  and  further as  provided in Section
3.05(a).  Any cost  incurred  by the  Master  Servicer  or by  Sub-Servicers  in
effecting the timely payment of taxes and  assessments  on a Mortgaged  Property
shall not, for the purpose of calculating  distributions to  Certificateholders,
be added to the unpaid Stated  Principal  Balance of the related  Mortgage Loan,
notwithstanding that the terms of such Mortgage Loan so permit.

      Consistent  with the terms of this  Agreement,  the  Master  Servicer  may
waive,  modify  or  vary  any  term  of any  Mortgage  Loan  or  consent  to the
postponement  of strict  compliance  with any such term or in any  manner  grant
indulgence  to any  Mortgagor  if such  waiver,  modification,  postponement  or
indulgence is in  conformity  with the Servicing  Standard;  provided,  however,
that:

            (A) the Master  Servicer shall not make future  advances  (except as
      provided in Section 4.03);

            (B) the  Master  Servicer  shall not permit  any  modification  with
      respect to any Mortgage Loan that would change the Mortgage Rate, defer or
      forgive the payment of any  principal  or  interest  payments,  reduce the
      outstanding Stated Principal Balance (except for reductions resulting from
      actual  payments of principal)  or extend the final  maturity date on such
      Mortgage Loan (unless as provided in Section 3.02, (i) the Mortgagor is in
      default with respect to the Mortgage  Loan or (ii) such default is, in the
      judgment of the Master Servicer, reasonably foreseeable); and

            (C) the Master Servicer shall not consent to (i) partial releases of
      Mortgages,  (ii)  alterations,  (iii)  removal,  demolition or division of
      properties subject to Mortgages,  (iv) modification or (v) second mortgage
      subordination agreements with respect to any Mortgage Loan that would: (i)
      affect adversely the status of any Trust REMIC as a

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<PAGE>

      REMIC,(ii)  cause any Trust  REMIC to be subject  to a tax on  "prohibited
      transactions"  or  "contributions"  pursuant to the REMIC  Provisions,  or
      (iii) both (x) effect an  exchange or  reissuance  of such  Mortgage  Loan
      under  Section  1001 of the  Code  (or  Treasury  regulations  promulgated
      thereunder) and (y) cause any Trust REMIC  constituting  part of the Trust
      Fund to fail to qualify as a REMIC under the Code or the imposition of any
      tax on "prohibited  transactions" or "contributions" after the Startup Day
      under the REMIC Provisions.

      To the  extent  consistent  with the  terms of this  Agreement,  including
Section  2.03 and  Section  2.05,  the  Master  Servicer  may waive (or permit a
Sub-Servicer   to  waive)  a   Prepayment   Charge  only  under  the   following
circumstances:  (i) such waiver is standard and  customary in servicing  similar
Mortgage  Loans,  (ii)  such  waiver  relates  to  a  default  or  a  reasonably
foreseeable  default  and  would,  in the  reasonable  judgment  of  the  Master
Servicer,  maximize  recovery of total proceeds taking into account the value of
such Prepayment  Charge and the related  Mortgage Loan,  (iii) the collection of
such  Prepayment  Charge would be in violation  of  applicable  laws or (iv) the
collection of such Prepayment Charge would be considered "predatory" pursuant to
written guidance published or issued by any applicable  federal,  state or local
regulatory  authority  acting in its official  capacity and having  jurisdiction
over such matters.

      The  Master  Servicer  may  delegate  its   responsibilities   under  this
Agreement;  provided,  however, that no such delegation shall release the Master
Servicer from the  responsibilities or liabilities arising under this Agreement.
All references to Master  Servicer in this Agreement  shall be deemed to include
any  Sub-Servicer  duly  appointed  by the  Master  Servicer  pursuant  to  this
Agreement.

      SECTION 3.02. Collection of Certain Mortgage Loan Payments.

      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 applicable  insurance  policies,  follow such  collection
procedures as it would follow with respect to mortgage  loans  comparable to the
Mortgage Loans and held for its own account.  Consistent with the foregoing, the
Master  Servicer may in its  discretion (i) waive any late payment charge or, if
applicable,  penalty  interest,  (ii) waive any  provisions of any Mortgage Loan
requiring the related Mortgagor to submit to mandatory  arbitration with respect
to disputes  arising  thereunder  or (iii)  extend the due dates for the Monthly
Payments  due on a  Mortgage  Note for a period  of not  greater  than 180 days;
provided that any extension  pursuant to clause (iii) above shall not affect the
amortization  schedule of any  Mortgage  Loan for  purposes  of any  computation
hereunder.  The NIMS Insurer's  prior written  consent shall be required for any
modification,  waiver  or  amendment  if the  aggregate  number  of  outstanding
Mortgage  Loans which have been  modified,  waived or amended  exceeds 5% of the
number  of  Mortgage  Loans as of the  Cut-off  Date.  In the  event of any such
arrangement  pursuant to clause  (iii)  above,  the Master  Servicer  shall make
timely advances on such Mortgage Loan during such extension  pursuant to Section
4.03 and in  accordance  with the  amortization  schedule of such  Mortgage Loan
without modification thereof by reason of such arrangements.

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      Notwithstanding  the foregoing,  in the event that any Mortgage Loan is in
default or, in the judgment of the Master  Servicer,  such default is reasonably
foreseeable,  the Master Servicer,  consistent with the Servicing Standard,  may
also  waive,   modify  or  vary  any  term  of  such  Mortgage  Loan  (including
modifications  that would  change the  Mortgage  Rate,  forgive  the  payment of
principal or interest or extend the final maturity date of such Mortgage  Loan),
accept  payment  from the  related  Mortgagor  of an amount less than the Stated
Principal Balance in final satisfaction of such Mortgage Loan, or consent to the
postponement  of  strict  compliance  with  any  such  term or  otherwise  grant
indulgence to any Mortgagor (any and all such waivers, modifications, variances,
forgiveness of principal or interest, postponements, or indulgences collectively
referred to herein as "forbearance").  The Master Servicer's analysis supporting
any forbearance  and the conclusion that any forbearance  meets the standards of
Section 3.01 shall be  reflected  in writing in the  Mortgage  File and shall be
provided to the Certificate Insurer upon request.

      In the event that a  shortfall  in any  collection  on or  liability  with
respect to any Mortgage Loan results from or is  attributable  to adjustments to
Mortgage Rates,  Monthly Payments or Stated Principal Balances that were made by
the Master  Servicer  in a manner not  consistent  with the terms of the related
Mortgage Note and this Agreement, the Master Servicer, upon discovery or receipt
of notice thereof,  immediately  shall deliver to the Trustee for deposit in the
Distribution  Account  from its own funds the amount of any such  shortfall  and
shall indemnify and hold harmless the Trust Fund, the Trustee, the Depositor and
any successor master servicer in respect of any such liability. Such indemnities
shall survive the termination or discharge of this Agreement.

      SECTION 3.03. [Reserved].

      SECTION 3.04. Collection Account, Escrow Account and Distribution Account.

      (a) Collection  Account.  On behalf of the Trust Fund, the Master Servicer
shall  segregate  and hold all funds  collected  and  received  pursuant to each
Mortgage  Loan  separate and apart from any of its own funds and general  assets
and shall establish and maintain in the name of the Trustee one or more accounts
(such account or accounts,  the  "Collection  Account") in accordance  with this
Section  3.04,  held in trust for the benefit of the  Trustee,  the  Certificate
Insurer and the Certificateholders.

      (b) Deposits to the Collection  Account.  On behalf of the Trust Fund, the
Master Servicer shall deposit in the Collection  Account,  in no event more than
two Business Days after the Master  Servicer's  receipt  thereof,  the following
payments and  collections  received or made by it subsequent to the Cut-off Date
with  respect  to  the  Mortgage   Loans,  or  payments  (other  than  Principal
Prepayments)  received by it on or prior to the Cut-off Date but  allocable to a
Due Period subsequent thereto:

            (i) all  payments  on  account  of  principal,  including  Principal
      Prepayments, on the Mortgage Loans and REO Properties;

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            (ii) all  payments  on account  of  interest  (excluding  Prepayment
      Interest  Excess  collected  on  any  Mortgage  Loan  during  the  related
      Prepayment  Period) on the Mortgage Loans and REO  Properties  adjusted to
      the Net Mortgage Rate;

            (iii) all Insurance  Proceeds and  Liquidation  Proceeds (other than
      proceeds to be held in the Escrow  Account and applied to the  restoration
      or repair of the  Mortgaged  Property  or  released  to the  Mortgagor  in
      accordance  with the Servicing  Standard),  Subsequent  Recoveries and any
      amounts received in respect of the rental of any REO Property prior to REO
      Disposition;

            (iv)  all  proceeds   related  to  the  purchase,   substitution  or
      repurchase of any Mortgage Loan or REO Property in accordance with Section
      2.03;

            (v) any amounts  required  to be  deposited  by the Master  Servicer
      pursuant to Section 3.09 in connection  with the deductible  clause in any
      blanket hazard insurance  policy,  such deposit being made from the Master
      Servicer's own funds, without reimbursement therefor;

            (vi) any amounts  required to be  deposited  by the Master  Servicer
      pursuant  to  Section  3.06 in  connection  with any  losses  realized  on
      Permitted  Investments  with  respect  to  funds  held  in the  Collection
      Account;

            (vii) all  amounts  required  to be  deposited  in  connection  with
      shortfalls  in principal  amount of Qualified  Substitute  Mortgage  Loans
      pursuant to Section 2.03 (for purposes of this clause  (vii),  the Cut-off
      Date with  respect  to any  Qualified  Substitute  Mortgage  Loan shall be
      deemed to be the date of substitution);

            (viii) any amounts  required to be deposited by the Master  Servicer
      pursuant to Section 4.03(b); and

            (ix) all Prepayment  Charges  collected by the Master Servicer,  all
      Prepayment  Charges  payable by the Master  Servicer  pursuant  to Section
      2.03(b).

      The foregoing  requirements for deposit to the Collection Account shall be
exclusive,  it being understood and agreed that, without limiting the generality
of the foregoing,  payments in the nature of Prepayment  Interest  Excess,  late
payment charges, assumption fees, insufficient funds charges,  modification fees
and other  ancillary fees (but not Prepayment  Charges) need not be deposited by
the Master Servicer in the Collection Account and shall upon collection,  belong
to the Master Servicer as additional  compensation for its servicing activities.
In the event the Master  Servicer  shall deposit in the  Collection  Account any
amount not required to be deposited  therein,  it may at any time  withdraw such
amount  from the  Collection  Account,  any  provision  herein  to the  contrary
notwithstanding.

      (c) Escrow Account. The Master Servicer shall segregate and hold all funds
collected and received  pursuant to each Mortgage Loan which  constitute  Escrow
Payments  separate  and apart from any of its own funds and  general  assets and
shall  establish  and  maintain in the name of the Trustee one or more  accounts
(such account or accounts, the "Escrow

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<PAGE>

Account")  held  in  trust  for  the  benefit  of  the  Certificateholders,  the
Certificate Insurer and the Trustee.

      (d) Deposits to the Escrow  Account.  The Master Servicer shall deposit or
cause to be deposited in the clearing account (which account must be an Eligible
Account) in which it customarily  deposits  payments and collections on mortgage
loans in  connection  with its mortgage  loan  servicing  activities  on a daily
basis,  and in no event more than one Business  Day after the Master  Servicer's
receipt thereof, and shall thereafter deposit in the Escrow Account, in no event
more than two  Business  Days after the deposit of such funds into the  clearing
account,  as and when received or as otherwise  required  hereunder,  and retain
therein:

            (i) all Escrow Payments  collected on account of the Mortgage Loans,
      for the purpose of effecting  timely payment of any such items as required
      under the terms of this Agreement; and

            (ii)  all  Insurance  Proceeds  which  are  to  be  applied  to  the
      restoration or repair of any Mortgaged Property.

      (e) Distribution  Account.  On behalf of the Trust Fund, the Trustee shall
segregate and hold all funds  collected and received  pursuant to this Agreement
separate  and  apart  from any of its own  funds and  general  assets  and shall
establish  and  maintain  in the  name of the  Trustee  one or  more  segregated
accounts (such account or accounts, the "Distribution  Account"),  held in trust
for the benefit of the Certificateholders and the Certificate Insurer.

      (f) Trustee  Deposits  to the  Distribution  Account.  Upon  receipt,  the
Trustee shall deposit or cause to be deposited into the Distribution Account all
payments of any nature received from the Master Servicer in accordance with this
Agreement.  The Trustee  shall deposit in the  Distribution  Account any amounts
required to be  deposited  pursuant to Section  3.06 in  connection  with losses
realized on Permitted Investments with respect to funds held in the Distribution
Account.

      (g) Master  Servicer  Transfer of Funds to the  Distribution  Account.  On
behalf of the Trust Fund,  the Master  Servicer  shall deliver to the Trustee in
immediately available funds for deposit in the Distribution Account by 1:00 p.m.
(New York time) on the Master  Servicer  Remittance  Date,  (i) that  portion of
Available  Funds  (calculated  without regard to the references in clause (2) of
the definition  thereof to amounts that may be withdrawn  from the  Distribution
Account)  for the related  Distribution  Date then on deposit in the  Collection
Account,  (ii)  without  duplication,  the  amount  of  all  Prepayment  Charges
collected by the Master Servicer,  all Prepayment  Charges payable by the Master
Servicer pursuant to Section 2.03(b)(ii) (to the extent not related to Principal
Prepayments occurring after the related Prepayment Period) and (iii) any amounts
reimbursable  to an Advancing  Person  pursuant to Section 3.23 and the terms of
the related Advance Facility.

      In addition, the Master Servicer shall deliver to the Trustee from time to
time as  required  by this  Agreement,  for  deposit  and the  Trustee  shall so
deposit, in the Distribution Account:

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            (i) any Advances, as required pursuant to Section 4.03;

            (ii) any amounts  required to be deposited  pursuant to Section 3.13
      in connection with any REO Property;

            (iii)  any  amounts  to be paid in  connection  with a  purchase  of
      Mortgage  Loans and REO  Properties  pursuant to Section  3.16 and Section
      9.01;

            (iv) any  Compensating  Interest  as  required  pursuant  to Section
      4.03(e);

            (v) [reserved];

            (vi) any amounts required to be paid by the Master Servicer pursuant
      to Section  3.06 in  connection  with any  losses  realized  on  Permitted
      Investments with respect to funds held in the Collection Account; and

            (vii) any amounts required to be paid to the Trustee from the assets
      of the Trust Fund on deposit in the  Collection  Account  pursuant to this
      Agreement, including but not limited to amounts required to be paid to the
      Trustee pursuant to Section 7.02 and Section 8.05.

      Funds held in the Collection  Account  pursuant to Section  3.04(b) may at
any time be delivered by the Master Servicer to the Trustee for deposit into the
Distribution  Account and for all purposes of this Agreement  shall be deemed to
be a part  of the  Collection  Account  until  the  Business  Day  prior  to the
Distribution  Date;  provided,  however,  that the  Trustee  shall have the sole
authority to withdraw any funds held  pursuant to this  paragraph.  In the event
the Master Servicer shall deliver to the Trustee for deposit in the Distribution
Account any amount not  required  to be  deposited  therein,  it may at any time
request that the Trustee withdraw such amount from the Distribution  Account and
remit  to  it  any  such   amount,   any   provision   herein  to  the  contrary
notwithstanding.

      (h)  Investment  of Account  Funds.  Funds on  deposit  in the  Collection
Account, the Distribution Account, any REO Account and any Escrow Account may be
invested in Permitted Investments in accordance with the provisions set forth in
Section 3.06. Any investment earnings or interest paid on funds deposited in the
Collection  Account,  any REO Account and any Escrow Account (subject to Section
3.05(b))  shall  accrue to the  benefit  of the Master  Servicer  and the Master
Servicer  shall be entitled to retain and withdraw  such interest from each such
account on a daily  basis.  Any  investment  earnings or interest  paid on funds
deposited  in the  Distribution  Account,  shall  accrue to the  benefit  of the
Trustee and the Trustee  shall be entitled to retain and withdraw  such interest
from each such account on a daily basis.

      Funds on  deposit in the Net WAC Rate  Reserve  Carryover  Account  may be
invested in Permitted Investments in accordance with Section 3.06 subject to any
limitations  set forth in Section 4.10 and any  investment  earnings or interest
paid shall accrue to the benefit of the party designated in such section.

      (i) Creation,  Location and Subsequent Transfers of Accounts. Each account
created pursuant to this Agreement must be an Eligible  Account.  On or prior to
the Closing

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Date, the Master Servicer and the Trustee shall give notice,  to each other, the
NIMS Insurer,  the Certificate  Insurer and the Depositor of the location of any
account created by it pursuant to this Agreement.  From time to time, the Master
Servicer  and the  Trustee  may each  transfer  any  account  created by it to a
different  depository  institution  provided that upon such transfer the written
notice is provided to all other parties listed in the preceding sentence.

      (j) In order to comply with its duties  under the U.S.  Patriot  Act,  the
Trustee shall obtain and verify certain  information and documentation  from the
owners of the accounts that the Trustee  establishes  pursuant to this Agreement
including,  but not limited to, each account  owner's name,  address,  and other
identifying information.

      SECTION 3.05.  Permitted  Withdrawals From the Collection Account,  Escrow
Account and Distribution Account.

      (a)  Collection  Account.  The  Master  Servicer  may,  from time to time,
withdraw from the Collection  Account for the following purposes or as described
in Section 4.03:

            (i) to remit to the Trustee for deposit in the Distribution  Account
      the  amounts  required to be so  remitted  pursuant to Section  3.04(g) or
      permitted  to be so  remitted  pursuant to the last  paragraph  of Section
      3.04(g);

            (ii) subject to Section  3.12(c),  to  reimburse  itself for (a) any
      unpaid Servicing Fees, (b) any unreimbursed Servicing Advances and (c) any
      unreimbursed  Advances,  the Master  Servicer's  right to reimburse itself
      pursuant to this  subclause  (ii) being  limited to any Late  Collections,
      Liquidation   Proceeds,   Subsequent  Recoveries  and  Insurance  Proceeds
      received on the related  Mortgage Loan and any amounts received in respect
      of the rental of the related REO Property prior to an REO Disposition that
      represent payments of principal and/or interest  respecting which any such
      advance was made;

            (iii) to reimburse  itself for (a) any unpaid  Servicing Fees to the
      extent  not  recoverable  under  Section  3.05(a)(ii)  and (b) any  unpaid
      Advances  or  Servicing  Advances  that  have been  deemed  Nonrecoverable
      Advances or Nonrecoverable Servicing Advances;

            (iv) to pay to itself any Prepayment  Interest  Excess to the extent
      not otherwise retained;

            (v) to  reimburse  itself for any amounts  paid  pursuant to Section
      3.12(b) (and not otherwise previously reimbursed);

            (vi) to pay to itself as servicing  compensation any interest earned
      on funds in the Collection Account;

            (vii) subject to Section  4.03(b),  to reimburse the Master Servicer
      in respect of any unreimbursed Advances to the extent of funds held in the
      Collection Account

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<PAGE>

      for future  distribution that were not included in Available Funds for the
      preceding Distribution Date;

            (viii)  to  reimburse  the  Master  Servicer  or the  Depositor  for
      expenses  incurred  by or  reimbursable  to  the  Master  Servicer  or the
      Depositor, as the case may be, pursuant to Section 6.03;

            (ix) to  remit to the  Trustee  any  amounts  that  the  Trustee  is
      permitted  to be paid or  reimbursed  from the  assets of the  Trust  Fund
      pursuant to the terms of this  Agreement,  including  the terms of Section
      7.02(a) and Section 8.05;

            (x) to reimburse  the NIMS Insurer,  the  Certificate  Insurer,  the
      Master Servicer (if the Master Servicer is not an Affiliate of the Seller)
      or the Trustee,  as the case may be, for enforcement  expenses  reasonably
      incurred in respect of the breach or defect  giving  rise to the  purchase
      obligation  under Section 2.03 that were included in the Purchase Price of
      the Mortgage Loan,  including any expenses  arising out of the enforcement
      of the purchase obligation;

            (xi) to pay to the Master Servicer,  the Depositor or the Seller, as
      the case may be, with respect to each  Mortgage  Loan that has  previously
      been purchased or replaced pursuant to Section 2.03 or Section 3.16(a) all
      amounts   received   thereon   subsequent  to  the  date  of  purchase  or
      substitution, as the case may be;

            (xii) to transfer  funds in the Collection  Account  maintained at a
      particular  depository to the Collection Account maintained at a different
      depository, pursuant to Section 3.04(i); and

            (xiii)  to clear  and  terminate  the  Collection  Account  upon the
      termination of this Agreement.

      The foregoing  requirements  for withdrawal  from the  Collection  Account
shall be  exclusive.  In the event the  Master  Servicer  shall  deposit  in the
Collection  Account any amount not required to be deposited  therein,  it may at
any time withdraw such amount from the Collection Account,  any provision herein
to the contrary notwithstanding.

      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 Collection  Account,  to the extent held by or on behalf of
it, pursuant to subclauses (ii), (iii), (iv), (v), (vi), (vii),  (viii) and (xi)
above.  The Master Servicer shall provide  written  notification to the Trustee,
the Certificate  Insurer and the NIMS Insurer on or prior to the next succeeding
Master Servicer  Reporting Date, upon making any withdrawals from the Collection
Account pursuant to subclause (viii) above.

      (b) Escrow Account.  The Master Servicer may, from time to time,  withdraw
from the Escrow Account for the following purposes:

            (i) to effect payments of ground rents,  taxes,  assessments,  water
      rates, hazard insurance premiums and comparable items;

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<PAGE>

            (ii) to reimburse the Master Servicer for any Servicing Advance made
      by the Master  Servicer  with respect to a related  Mortgage Loan but only
      from amounts  received on the related  Mortgage Loan which  represent late
      payments or Late Collections of Escrow Payments thereunder;

            (iii) to refund to the  Mortgagor  any funds as may be determined to
      be overages;

            (iv) for transfer to the Collection  Account in accordance  with the
      terms of this Agreement;

            (v) for  application  to  restoration  or  repair  of the  Mortgaged
      Property;

            (vi)  to pay to the  Master  Servicer,  or to the  Mortgagor  to the
      extent  required by the related  Mortgage Loan or Applicable  Regulations,
      any interest paid on the funds deposited in the Escrow Account;

            (vii) to clear and terminate the Escrow  Account on the  termination
      of this Agreement; and

            (viii) to transfer to the Collection Account any Insurance Proceeds.

      In the event the Master  Servicer  shall deposit in an Escrow  Account any
amount not required to be deposited  therein,  it may at any time  withdraw such
amount  from  such  Escrow  Account,   any  provision  herein  to  the  contrary
notwithstanding.  As part of its servicing duties, the Master Servicer shall pay
to the Mortgagor interest on funds in the Escrow Account, to the extent required
by the related Mortgage Loan or Applicable  Regulations,  and to the extent that
interest earned on funds in the Escrow Account is  insufficient,  shall pay such
interest  from its own funds,  without any  reimbursement  therefor.  The Master
Servicer may pay to itself any excess  interest on funds in the Escrow  Account,
to the extent such  action is in  conformity  with the  Servicing  Standard,  is
permitted by law and such amounts are not required to be paid to  Mortgagors  or
used for any of the other purposes set forth above.

      (c)  Distribution  Account.  The Trustee  shall,  from time to time,  make
withdrawals from the Distribution Account, for any of the following purposes:

            (i) to make distributions to Certificateholders  and the Certificate
      Insurer in accordance with Section 4.01;

            (ii) to pay to itself and the  Custodian  amounts to which either is
      entitled pursuant to Section 8.05;

            (iii) to pay itself any interest income earned on funds deposited in
      the Distribution Account pursuant to Section 3.06;

            (iv) to  reimburse  itself  pursuant  to  Section  7.01 and  Section
      7.02(b);

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<PAGE>

            (v) to pay any  amounts  in  respect  of taxes  pursuant  to Section
      10.01(g)(iii);  and

            (vi) to clear and terminate  the  Distribution  Account  pursuant to
      Section 9.01.

      SECTION 3.06.  Investment of Funds in the Collection  Account,  the Escrow
                     Account, the REO Account and the Distribution Account.

      (a) The Master Servicer may direct any depository institution  maintaining
the Collection Account,  the Escrow Account (subject to Section 3.05(b)) and the
REO Account and the Trustee may direct any  depository  institution  maintaining
the Distribution Account (for purposes of this Section 3.06, each an "Investment
Account"),  to  invest  the  funds  in such  Investment  Account  in one or more
Permitted  Investments  bearing  interest or sold at a discount,  and  maturing,
unless  payable  on  demand,  (i) no later  than the  Business  Day  immediately
preceding  the date on which such funds are required to be  withdrawn  from such
account  pursuant to this  Agreement,  if a Person other than the Trustee is the
obligor  thereon,  and (ii) no later  than the  date on  which  such  funds  are
required  to  be  withdrawn  from  such  Investment  Account  pursuant  to  this
Agreement, if the Trustee is the obligor thereon. All such Permitted Investments
shall be held to maturity,  unless payable on demand. Any investment of funds in
an Investment  Account shall be made in the name of the Trustee (in its capacity
as  such) or in the name of a  nominee  of the  Trustee.  The  Trustee  shall be
entitled to sole  possession  (except  with respect to  investment  direction of
funds held in the Collection Account,  the Escrow Account,  and the REO Account)
over each such  investment  and (except with respect to the income on funds held
in the  Collection  Account,  the Escrow Account and the REO Account) the income
thereon, and any certificate or other instrument  evidencing any such investment
shall be  delivered  directly  to the  Trustee or its agent,  together  with any
document  of transfer  necessary  to transfer  title to such  investment  to the
Trustee or its nominee. In the event amounts on deposit in an Investment Account
are at any time  invested  in a  Permitted  Investment  payable on  demand,  the
Trustee shall:

            (i)  consistent  with any notice  required  to be given  thereunder,
      demand  that  payment  thereon  be made on the  last  day  such  Permitted
      Investment may otherwise mature hereunder in an amount equal to the lesser
      of (1) all amounts then payable  thereunder and (2) the amount required to
      be withdrawn on such date; and

            (ii)  demand  payment of all amounts due  thereunder  promptly  upon
      determination by a Responsible  Officer of the Trustee that such Permitted
      Investment would not constitute a Permitted Investment in respect of funds
      thereafter on deposit in the Investment Account.

      (b) All income in the nature of interest  from the  investment of funds in
the Collection Account,  the Escrow Account (subject to Section 3.05(b)) and the
REO Account shall be for the benefit of the Master Servicer as compensation  for
the Master Servicer's  services pursuant to this Agreement.  The Master Servicer
shall  deposit  in the  Collection  Account,  the  Escrow  Account,  and the REO
Account, as applicable, from its own funds the amount of any

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<PAGE>

loss  incurred in respect of any such  Permitted  Investment  made with funds in
such account immediately upon realization of such loss.

      (c) All income in the nature of interest or earnings  from the  investment
of funds in the Distribution  Account shall be for the benefit of the Trustee as
compensation for the Trustee's services pursuant to this Agreement.  The Trustee
shall deposit in the  Distribution  Account from its own funds the amount of any
loss incurred on Permitted Investments in the Distribution Account.

      (d) Funds on deposit in the Net WAC Rate Carryover  Reserve Account may be
invested in Permitted  Investments in accordance  with this Section 3.06 subject
to any  limitations  set forth in Section  4.10 and any  investment  earnings or
interest  paid  shall  accrue to the  benefit  of the party  designated  in such
section 4.10 and the party so designated  shall  deposit in the related  account
from its own funds the amount of any loss incurred on Permitted  Investments  in
such account.

      (e) Except as  otherwise  expressly  provided  in this  Agreement,  if any
default occurs in the making of a payment due under any Permitted Investment, or
if a default  occurs  in any  other  performance  required  under any  Permitted
Investment, the Trustee may and, subject to Section 8.01 and Section 8.02(a)(v),
upon the request of the NIMS Insurer,  the Certificate Insurer or the Holders of
Certificates  representing  more than 50% of the Voting Rights  allocated to any
Class of  Certificates,  shall take such action as may be appropriate to enforce
such payment or  performance,  including  the  institution  and  prosecution  of
appropriate proceedings.

      SECTION 3.07. Payment of Taxes, Insurance and Other Charges.

      With respect to each Mortgage  Loan,  the Master  Servicer  shall maintain
accurate  records  reflecting  the status of ground rents,  taxes,  assessments,
water rates and other  charges which are or may become a lien upon the Mortgaged
Property and the status of fire and hazard  insurance  coverage and, as to those
Mortgage Loans subject to a voluntary escrow agreement,  shall obtain, from time
to time, all bills for the payment of such charges  (including renewal premiums)
and shall effect payment thereof prior to the applicable  penalty or termination
date  and  at a time  appropriate  for  securing  maximum  discounts  allowable,
employing for such purpose deposits of the Mortgagor in the Escrow Account which
shall have been  estimated  and  accumulated  by the Master  Servicer in amounts
sufficient  for such  purposes,  as allowed  under the terms of the  Mortgage or
Applicable Regulations.  The Master Servicer assumes full responsibility for the
timely  payment of all such bills and shall effect  timely  payments of all such
bills  irrespective  of the Mortgagor's  faithful  performance in the payment of
same or the making of the Escrow Payments and shall make Servicing Advances from
its own funds to effect such payments.  To the extent that the Mortgage does not
provide for Escrow  Payments,  the Master Servicer shall use reasonable  efforts
consistent  with the Servicing  Standard to determine that any such payments are
made by the  Mortgagor  at the time they first  become due and shall ensure that
the Mortgaged  Property is not lost to a tax lien as a result of nonpayment  and
that such Mortgaged Property is not left uninsured.

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      SECTION 3.08. Maintenance of Hazard Insurance.

      The Master  Servicer  shall cause to be maintained  for each Mortgage Loan
fire insurance with extended  coverage on the related  Mortgaged  Property in an
amount which is at least equal to the least of (i) the current Stated  Principal
Balance of such Mortgage Loan, (ii) the amount necessary to fully compensate for
any damage or loss to the  improvements  that are a part of such  property  on a
replacement cost basis and (iii) the maximum insurable value of the improvements
which are a part of such Mortgaged Property,  in each case in an amount not less
than such amount as is necessary  to avoid the  application  of any  coinsurance
clause  contained in the related hazard  insurance  policy.  The Master Servicer
shall also cause to be maintained fire insurance with extended  coverage on each
REO  Property  in an  amount  which is at least  equal to the  lesser of (i) the
maximum  insurable value of the  improvements  which are a part of such property
and (ii) the outstanding  Stated Principal Balance of the related Mortgage Loan,
plus accrued interest at the Mortgage Rate and related Servicing  Advances (each
measured  at the time it became an REO  Property).  The  Master  Servicer  shall
comply  in the  performance  of this  Agreement  with all  reasonable  rules and
requirements of each insurer under any such hazard  policies.  Any amounts to be
collected by the Master  Servicer under any such policies (other than amounts to
be applied to the  restoration or repair of the property  subject to the related
Mortgage or amounts to be  released  to the  Mortgagor  in  accordance  with the
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)  shall  be  deposited  in the  Collection  Account,  subject  to
withdrawal  pursuant to Section 3.05, if received in respect of a Mortgage Loan,
or in the REO  Account,  subject to  withdrawal  pursuant  to Section  3.13,  if
received in respect of an REO Property. Any cost incurred by the Master Servicer
in  maintaining  any such  insurance  shall not, for the purpose of  calculating
distributions  to  Certificateholders,  be added to the unpaid Stated  Principal
Balance of the related  Mortgage  Loan,  notwithstanding  that the terms of such
Mortgage Loan so permit. It is understood and agreed that no earthquake or other
additional  insurance is to be required of any Mortgagor  other than pursuant to
such  applicable  laws and  regulations  as shall at any time be in force and as
shall  require  such  additional  insurance.  If the  Mortgaged  Property or REO
Property is at any time in an area  identified  in the  Federal  Register by the
Federal Emergency  Management Agency as having special flood hazards, the Master
Servicer  shall  cause to be  maintained  a flood  insurance  policy in  respect
thereof.  Such flood  insurance shall be in an amount equal to the lesser of (i)
the unpaid  Stated  Principal  Balance of the related  Mortgage  Loan,  (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) and (iii) the
maximum  insurable  value of the  improvements  which  are  part of the  related
Mortgaged Property.

      SECTION 3.09. Maintenance of Mortgage Blanket Insurance.

      In the event that the Master  Servicer shall obtain and maintain a blanket
policy with an insurer having a General Policy Rating of A:V or better in Best's
Key Rating  Guide (or such  other  rating  that is  comparable  to such  rating)
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 two sentences of Section 3.08,  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

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not have been  maintained  on the related  Mortgaged  Property or REO Property a
policy  complying  with the first two sentences of Section 3.08, and there shall
have been one or more  losses  which  would have been  covered  by such  policy,
deposit to the  Collection  Account from its own funds the amount not  otherwise
payable  under  the  blanket  policy  because  of  such  deductible  clause.  In
connection  with its  activities as  administrator  and servicer of the Mortgage
Loans,  the Master Servicer agrees to prepare and present,  on behalf of itself,
the Trustee and  Certificateholders,  claims under any such blanket  policy in a
timely fashion in accordance with the terms of such policy.

      SECTION 3.10. Fidelity Bond; Errors and Omissions Insurance.

      The Master  Servicer shall keep in force during the term of this Agreement
a policy or policies of insurance  covering  errors and omissions for failure in
the performance of the Master Servicer's obligations under this Agreement, which
policy  or  policies  shall  be in such  form and  amount  that  would  meet the
requirements  of  Fannie  Mae or  Freddie  Mac if it were the  purchaser  of the
Mortgage  Loans,  unless  the  Master  Servicer  has  obtained  a waiver of such
requirements  from Fannie Mae or Freddie  Mac.  The Master  Servicer  shall also
maintain a fidelity bond in the form and amount that would meet the requirements
of Fannie Mae or Freddie Mac,  unless the Master  Servicer has obtained a waiver
of such  requirements  from Fannie Mae or Freddie Mac. The Master Servicer shall
provide  the  Trustee,  the  NIMS  Insurer  (upon  reasonable  request)  and the
Certificate  Insurer (upon reasonable request) with copies of any such insurance
policies and fidelity bond. The Master Servicer shall be deemed to have complied
with this  provision if an Affiliate of the Master  Servicer has such errors and
omissions and fidelity bond coverage and, by the terms of such insurance  policy
or  fidelity  bond,  the  coverage  afforded  thereunder  extends  to the Master
Servicer.  Any such errors and  omissions  policy and fidelity bond shall by its
terms  not be  cancelable  without  thirty  days'  prior  written  notice to the
Trustee.  The Master  Servicer shall also cause each  Sub-Servicer to maintain a
policy of insurance  covering  errors and  omissions  and a fidelity  bond which
would meet such requirements.

      SECTION 3.11. Enforcement of Due-On-Sale Clauses; Assumption Agreements.

      The  Master  Servicer  shall,  to  the  extent  it  has  knowledge  of any
conveyance or prospective  conveyance of any Mortgaged Property by any Mortgagor
(whether by absolute  conveyance or by contract of sale,  and whether or not the
Mortgagor  remains or is to remain  liable  under the  Mortgage  Note and/or the
Mortgage),  exercise its rights to accelerate the maturity of such Mortgage Loan
under the "due-on-sale" clause, if any, applicable thereto;  provided,  however,
that the Master Servicer shall not exercise any such rights if prohibited by law
from doing so. If the Master  Servicer  reasonably  believes it is unable  under
applicable  law to enforce  such  "due-on-sale"  clause,  or if any of the other
conditions set forth in the proviso to the preceding  sentence apply, the Master
Servicer is authorized to enter into an assumption  and  modification  agreement
from or with the person to whom such  property has been  conveyed or is proposed
to be conveyed,  pursuant to which such person becomes liable under the Mortgage
Note and, to the extent permitted by applicable state law, the Mortgagor remains
liable  thereon.  The  Master  Servicer  is  also  authorized  to  enter  into a
substitution  of liability  agreement  with such  person,  pursuant to which the
original  Mortgagor is released from liability and such person is substituted as
the Mortgagor and becomes liable under the Mortgage Note,  provided that no

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such   substitution   shall  be  effective  unless  such  person  satisfies  the
underwriting  criteria of the Master Servicer. In connection with any assumption
or substitution, the Master Servicer shall apply such underwriting standards and
follow such practices and procedures as shall be normal and usual in its general
mortgage  servicing  activities  and as it applies to other mortgage loans owned
solely by it. The Master  Servicer  shall not take or enter into any  assumption
and modification  agreement,  however,  unless (to the extent practicable in the
circumstances) it shall have received confirmation, in writing, of the continued
effectiveness of any applicable hazard insurance policy, or a new policy meeting
the  requirements  of this Section is obtained.  Any fee collected by the Master
Servicer in respect of an  assumption  or  substitution  of liability  agreement
shall be retained by the Master Servicer as additional  servicing  compensation.
In connection  with any such  assumption,  no material term of the Mortgage Note
(including  but not limited to the related  Mortgage  Rate and the amount of the
Monthly  Payment)  may be  amended or  modified,  except as  otherwise  required
pursuant to the terms thereof or otherwise  permitted  under  Section 3.01.  The
Master  Servicer shall notify the Trustee and any respective  Custodian that any
such  substitution  or assumption  agreement has been completed by forwarding to
the Trustee or to such Custodian,  as the case may be, the executed  original of
such substitution or assumption agreement,  which document shall be added to the
related Mortgage File and shall, for all purposes,  be considered a part of such
Mortgage  File  to the  same  extent  as all  other  documents  and  instruments
constituting a part thereof.

      Notwithstanding  the  foregoing  paragraph or any other  provision of this
Agreement,  the Master Servicer shall not be deemed to be in default,  breach or
any other violation of its obligations  hereunder by reason of any assumption of
a Mortgage  Loan by operation of law or by the terms of the Mortgage Note or any
assumption  which the Master Servicer may be restricted by law from  preventing,
for  any  reason  whatever.   For  purposes  of  this  Section  3.11,  the  term
"assumption"  is  deemed  to also  include  a sale (of the  Mortgaged  Property)
subject to the Mortgage that is not accompanied by an assumption or substitution
of liability agreement.

      SECTION 3.12. Realization Upon Defaulted Mortgage Loans.

      (a) The Master  Servicer shall,  consistent  with the Servicing  Standard,
foreclose  upon or otherwise  comparably  convert 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 3.02. The Master Servicer shall be responsible for
all  costs  and  expenses  incurred  by it in any  such  proceedings;  provided,
however, that such costs and expenses shall be recoverable as Servicing Advances
by the Master  Servicer as  contemplated  in Section 3.05 and Section 3.13.  The
foregoing is subject to the provision  that: (i) in any case in which  Mortgaged
Property shall have suffered damage from an Uninsured Cause, the Master Servicer
shall not be required  to expend its own funds  toward the  restoration  of such
property unless it shall determine in its discretion that such restoration shall
increase  the  proceeds  of  liquidation  of the  related  Mortgage  Loan  after
reimbursement  to itself for such  expenses  and (ii) with respect to any second
lien  Mortgage  Loan for which  the  related  first  lien  mortgage  loan is not
included in the Trust Fund,  if,  after such  Mortgage  Loan becomes 180 days or
more  delinquent  and  the  Master  Servicer,  after  making  a  Final  Recovery
Determination,  determines  that a net recovery that would eliminate or reduce a
Realized  Loss by  more  than  an  immaterial  amount  is not  possible  through
foreclosure, such

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Mortgage  Loan may be charged  off and such  Mortgage  Loan will be treated as a
Liquidated Mortgage Loan giving rise to a Realized Loss.

      (b) Notwithstanding  the foregoing  provisions of this Section 3.12 or any
other provision of this Agreement, with respect to any Mortgage Loan as to which
the Master Servicer has received  actual notice of, or has actual  knowledge of,
the  presence  of any toxic or  hazardous  substance  on the  related  Mortgaged
Property,  the Master  Servicer shall not, on behalf of the Trustee,  either (i)
obtain title to such Mortgaged Property as a result of or in lieu of foreclosure
or otherwise or (ii) otherwise  acquire  possession of, or take any other action
with respect to, such  Mortgaged  Property,  if, as a result of any such action,
the Trustee, the Certificate  Insurer, the Trust Fund or the  Certificateholders
would be considered to hold title to, to be a  "mortgagee-in-possession"  of, or
to be an "owner" or "operator" of such Mortgaged  Property within the meaning of
the  Comprehensive  Environmental  Response,  Compensation  and Liability Act of
1980, as amended from time to time,  or any  comparable  law,  unless the Master
Servicer has also previously determined,  based on its reasonable judgment and a
report prepared by a Person who regularly  conducts  environmental  audits using
customary industry standards, that:

            (1)  such  Mortgaged  Property  is  in  compliance  with  applicable
      environmental  laws or,  if not,  that it  would  be in the best  economic
      interest of the Trust Fund to take such actions as are  necessary to bring
      the Mortgaged Property into compliance therewith; and

            (2) there are no  circumstances  present at such Mortgaged  Property
      relating to the use,  management or disposal of any hazardous  substances,
      hazardous  materials,  hazardous wastes, or petroleum-based  materials for
      which  investigation,   testing,  monitoring,   containment,  clean-up  or
      remediation  could be required  under any  federal,  state or local law or
      regulation,  or that if any such  materials  are  present  for which  such
      action could be required,  that it would be in the best economic  interest
      of the Trust  Fund to take  such  actions  with  respect  to the  affected
      Mortgaged Property.

      Notwithstanding the foregoing,  if such environmental audit reveals, or if
the Master Servicer has actual knowledge or notice, that such Mortgaged Property
contains such toxic or hazardous wastes or substances, the Master Servicer shall
not foreclose or accept a deed in lieu of foreclosure  without the prior written
consent of the NIMS Insurer and the Certificate Insurer (which consent shall not
be unreasonably withheld).

      The cost of the  environmental  audit report  contemplated by this Section
3.12 shall be advanced by the Master Servicer,  subject to the Master Servicer's
right to be  reimbursed  therefor  from the  Collection  Account as  provided in
Section  3.05(a)(v),  such right of  reimbursement  being prior to the rights of
Certificateholders  to receive any amount in the Collection  Account received in
respect of the affected Mortgage Loan or other Mortgage Loans.

      If the Master Servicer  determines,  as described above, that it is in the
best  economic  interest of the Trust Fund to take such actions as are necessary
to  bring  any  such  Mortgaged   Property  into   compliance   with  applicable
environmental  laws,  or to take such  action with  respect to the  containment,
clean-up or remediation of hazardous substances,  hazardous materials, hazardous
wastes or petroleum-based materials affecting any such Mortgaged

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Property,  then the Master  Servicer shall take such action as it deems to be in
the best economic interest of the Trust Fund; provided, however, that the Master
Servicer  shall not proceed with  foreclosure or acceptance of a deed in lieu of
foreclosure if the estimated costs of the  environmental  clean up, as estimated
in the environmental audit report, together with the Advances made by the Master
Servicer and the estimated  costs of foreclosure or acceptance of a deed in lieu
of foreclosure,  exceeds the estimated value of the Mortgaged Property. The cost
of any such compliance, containment, cleanup or remediation shall be advanced by
the Master  Servicer,  subject to the Master  Servicer's  right to be reimbursed
therefor from the  Collection  Account as provided in Section  3.05(a)(v),  such
right of  reimbursement  being  prior to the  rights  of  Certificateholders  to
receive any amount in the Collection Account received in respect of the affected
Mortgage Loan or other Mortgage Loans.

      (c) Proceeds received in connection with any Final Recovery Determination,
as well  as any  recovery  resulting  from a  partial  collection  of  Insurance
Proceeds,  Subsequent  Recoveries  or  Liquidation  Proceeds,  in respect of any
Mortgage Loan,  shall be applied in the following  order of priority:  FIRST, to
reimburse the Master Servicer or any Sub-Servicer  for any related  unreimbursed
Servicing  Advances and Advances,  pursuant to Section  3.05(a)(ii);  SECOND, to
accrued  and unpaid  interest  on the  Mortgage  Loan,  to the date of the Final
Recovery  Determination,  or to the Due Date prior to the  Distribution  Date on
which such  amounts  are to be  distributed  if not in  connection  with a Final
Recovery  Determination;  and THIRD,  as a recovery of principal of the Mortgage
Loan.  If the amount of the  recovery so  allocated to interest is less than the
full amount of accrued and unpaid interest due on such Mortgage Loan, the amount
of such recovery shall be allocated by the Master Servicer as follows: FIRST, to
unpaid  Servicing Fees; and SECOND,  to the balance of the interest then due and
owing.  The portion of the recovery so allocated to unpaid  Servicing Fees shall
be reimbursed  to the Master  Servicer or any  Sub-Servicer  pursuant to Section
3.05(a)(ii).

      SECTION 3.13. Title, Management and Disposition of REO Property.

      (a) The deed or  certificate of sale of any REO Property shall be taken in
the name of the  Trustee,  or its  nominee,  in  trust  for the  benefit  of the
Certificateholders  and  the  Certificate  Insurer.  Pursuant  to the  power  of
attorney  granted in Section 3.01, the Master  Servicer is hereby  authorized to
transfer  the title of any REO  Property  taken in the name of the  Trustee to a
third  party   purchaser   pursuant  to  this  Section   3.13  without   further
documentation of its authority as attorney-in-fact  for the Trustee on behalf of
the Trust.  The Master  Servicer,  on behalf of the Trust Fund (and on behalf of
the  Trustee  for the  benefit  of the  Certificateholders  and the  Certificate
Insurer),  shall  either  sell any REO  Property  before  the close of the third
taxable  year  after  the year the Trust  Fund  acquires  ownership  of such REO
Property  for  purposes of Section  860G(a)(8)  of the Code or request  from the
Internal  Revenue  Service,  no later  than 60 days  before the day on which the
three-year grace period would otherwise  expire,  an extension of the three-year
grace period,  unless the Master  Servicer  shall have delivered to the Trustee,
the NIMS  Insurer,  the  Certificate  Insurer  and the  Depositor  an Opinion of
Counsel, addressed to the Trustee, the NIMS Insurer, the Certificate Insurer and
the  Depositor,  to the  effect  that the  holding by the Trust Fund of such REO
Property subsequent to three years after its acquisition shall not result in the
imposition on any Trust REMIC of taxes on "prohibited  transactions" thereof, as
defined in Section 860F of the Code, or cause any Trust REMIC to fail to qualify
as a REMIC under Federal law at any time that any  Certificates are outstanding.
The Master Servicer shall

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manage,  conserve,  protect and operate each REO Property for the benefit of the
Certificateholders and solely for the purpose of its prompt disposition and sale
in a manner  which  does not  cause  such REO  Property  to fail to  qualify  as
"foreclosure  property" within the meaning of Section  860G(a)(8) of the Code or
result in the  receipt  by any Trust  REMIC of any  "income  from  non-permitted
assets"  within the meaning of Section  860F(a)(2)(B)  of the Code,  or any "net
income from  foreclosure  property" which is subject to taxation under the REMIC
Provisions.

      (b) The Master  Servicer shall  segregate and hold all funds collected and
received in connection with the operation of any REO Property separate and apart
from its own funds and general  assets and shall  establish  and  maintain  with
respect to REO  Properties  an  account  held in trust for the  Trustee  for the
benefit  of  the  Certificateholders  and  the  Certificate  Insurer  (the  "REO
Account"),  which shall be an Eligible  Account.  The Master  Servicer  shall be
permitted to allow the Collection  Account to serve as the REO Account,  subject
to separate ledgers for each REO Property. The Master Servicer shall be entitled
to retain or withdraw  any  interest  income paid on funds  deposited in the REO
Account.

      (c) The Master Servicer shall have full power and authority,  subject only
to the specific  requirements and prohibitions of this Agreement,  to do any and
all things in connection with any REO Property as are consistent with the manner
in which the Master Servicer  manages and operates similar property owned by the
Master Servicer or any of its Affiliates,  all on such terms and for such period
as the Master  Servicer deems to be in the best interests of  Certificateholders
and  appropriate to effect the prompt  disposition and sale of the REO Property.
In connection  therewith,  the Master  Servicer  shall  deposit,  or cause to be
deposited in the clearing account (which account must be an Eligible Account) in
which it  customarily  deposits  payments and  collections  on mortgage loans in
connection with its mortgage loan servicing  activities on a daily basis, and in
no event more than one Business Day after the Master Servicer's receipt thereof,
and shall  thereafter  deposit  in the REO  Account,  in no event  more than two
Business  Days after the deposit of such funds into the  clearing  account,  all
revenues  received  by it with  respect to an REO  Property  and shall  withdraw
therefrom funds necessary for the proper  operation,  management and maintenance
of such REO Property including, without limitation:

            (i) all  insurance  premiums  due and payable in respect of such REO
      Property;

            (ii) all real estate  taxes and  assessments  in respect of such REO
      Property that may result in the imposition of a lien thereon; and

            (iii)  all  costs  and  expenses  necessary  to  maintain  such  REO
      Property.

      To the extent that  amounts on deposit in the REO Account  with respect to
an REO  Property  are  insufficient  for the  purposes  set forth in clauses (i)
through (iii) above with respect to such REO Property, the Master Servicer shall
advance from its own funds such amount as is necessary for such purposes if, but
only if, the Master  Servicer  would make such  advances if the Master  Servicer
owned the REO Property and if in the Master Servicer's judgment,  the payment of
such amounts shall be recoverable from the rental or sale of the REO Property.

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      Notwithstanding the Master Servicer's obligation to the Certificateholders
to manage and operate  (including the collection of rents from existing  tenants
and  management  of any  leases  acquired  with the REO  property  to the extent
applicable)  the REO  Property  from the date of  acquisition  until the date of
sale, neither the Master Servicer nor the Trustee shall knowingly:

            (i) authorize the Trust Fund to enter into,  renew or extend any New
      Lease  with  respect  to any REO  Property,  if the New Lease by its terms
      shall give rise to any  income  that does not  constitute  Rents from Real
      Property;

            (ii)  authorize  any amount to be received or accrued  under any New
      Lease other than amounts that shall constitute Rents from Real Property;

            (iii) authorize any construction on any REO Property, other than the
      completion of a building or other  improvement  thereon,  and then only if
      more  than ten  percent  of the  construction  of such  building  or other
      improvement  was  completed  before  default on the related  Mortgage Loan
      became  imminent,  all within the meaning of Section  856(e)(4)(B)  of the
      Code; or

            (iv)  authorize  any Person to Directly  Operate any REO Property on
      any date more  than 90 days  after  its date of  acquisition  by the Trust
      Fund;

unless,  in any such  case,  the  Master  Servicer  has  obtained  an Opinion of
Counsel,  provided to the Trustee, the Certificate Insurer and the NIMS Insurer,
to the effect  that such  action  shall not cause such REO  Property  to fail to
qualify as "foreclosure  property"  within the meaning of Section  860G(a)(8) of
the Code at any  time  that it is held by the  Trust  Fund,  and (B) the  Master
Servicer  has  received  written  notice from the Trustee  that it has  received
written consent from the NIMS Insurer and the Certificate Insurer (which consent
shall not be unreasonably withheld) that the specific action may be taken.

      The Master Servicer may contract with any  Independent  Contractor for the
operation and management of any REO Property, provided that:

            (i) the  terms  and  conditions  of any such  contract  shall not be
      inconsistent herewith;

            (ii) any such contract shall require,  or shall be  administered  to
      require,  that the  Independent  Contractor  pay all  costs  and  expenses
      incurred in  connection  with the  operation  and  management  of such REO
      Property, including those listed above and remit all related revenues (net
      of such costs and expenses) to the Master Servicer as soon as practicable,
      but in no event later than thirty days  following  the receipt  thereof by
      such Independent Contractor;

            (iii) none of the provisions of this Section 3.13(c) relating to any
      such contract or to actions taken through any such Independent  Contractor
      shall be deemed to relieve  the Master  Servicer  of any of its duties and
      obligations  to the  Trustee  on  behalf  of the  Certificateholders  with
      respect to the operation and management of any such REO Property; and

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            (iv) the Master  Servicer shall be obligated with respect thereto to
      the same extent as if it alone were  performing all duties and obligations
      in connection with the operation and management of such REO Property.

      The Master Servicer shall be entitled to enter into any agreement with any
Independent  Contractor  performing  services  for it  related to its duties and
obligations  hereunder  for  indemnification  of the  Master  Servicer  by  such
Independent  Contractor,  and nothing in this Agreement shall be deemed to limit
or modify such  indemnification.  The Master Servicer shall be solely liable for
all fees owed by it to any such Independent Contractor,  irrespective of whether
the Master Servicer's compensation pursuant to Section 3.18 is sufficient to pay
such fees. The Master  Servicer  shall not engage an  Independent  Contractor to
engage in any  activities  that the Master  Servicer  would not be  permitted to
engage in itself in accordance with the other provisions of this Agreement.

      (d) In addition to the withdrawals  permitted under Section  3.13(c),  the
Master Servicer may from time to time make  withdrawals from the REO Account for
any REO Property: (i) to pay itself or any Sub-Servicer unpaid Servicing Fees in
respect  of the  related  Mortgage  Loan;  and (ii) to  reimburse  itself or any
Sub-Servicer for unreimbursed Servicing Advances and Advances made in respect of
such  REO  Property  or  the  related  Mortgage  Loan.  On the  Master  Servicer
Remittance  Date,  the Master  Servicer  shall  withdraw  from each REO  Account
maintained by it and deposit into the  Distribution  Account in accordance  with
Section  3.04(g)(ii),  for  distribution  on the  related  Distribution  Date in
accordance with Section 4.01, the income from the related REO Property  received
during the prior calendar month, net of any withdrawals made pursuant to Section
3.13(c) or this Section 3.13(d).

      (e)  Subject  to  the  time  constraints  set  forth  in  Section  3.13(a)
(including  the  constraint  that the Master  Servicer  hold and manage each REO
Property  "solely  for  the  purpose  of  its  prompt  disposition"),  each  REO
disposition  shall be carried out by the Master  Servicer at such price and upon
such terms and conditions as shall be normal and usual in its general  servicing
activities for similar properties.

      (f) The proceeds from the REO  Disposition,  net of any amount required by
law to be remitted to the Mortgagor  under the related  Mortgage Loan and net of
any  payment or  reimbursement  to the Master  Servicer or any  Sub-Servicer  as
provided  above,  shall be deposited in the  Distribution  Account in accordance
with Section  3.04(g)(ii) on the Master  Servicer  Remittance  Date in the month
following the receipt thereof for distribution on the related  Distribution Date
in accordance  with Section  4.01.  Any REO  Disposition  shall be for cash only
(unless changes in the REMIC Provisions made subsequent to the Startup Day allow
a sale for other consideration).

      SECTION 3.14. [Reserved].

      SECTION  3.15.  Reports  of  Foreclosure  and  Abandonment  of  Mortgaged
                      Properties.

      The Master  Servicer  shall file  information  returns with respect to the
receipt  of  mortgage  interest  received  in a trade or  business,  reports  of
foreclosures and abandonments of

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any Mortgaged  Property and cancellation of indebtedness  income with respect to
any  Mortgaged  Property as required by Sections  6050H,  6050J and 6050P of the
Code,  respectively.  Such reports shall be in form and substance  sufficient to
meet the reporting  requirements imposed by such Sections 6050H, 6050J and 6050P
of the Code.

      SECTION 3.16. Optional Purchase of Defaulted Mortgage Loans.

      (a) (i) The NIMS  Insurer  may,  at its option,  purchase a Mortgage  Loan
which has become 90 or more days delinquent or for which the Master Servicer has
accepted  a deed in lieu of  foreclosure.  Prior to  purchase  pursuant  to this
Section  3.16(a)(i),  the Master  Servicer shall be required to continue to make
Advances  pursuant to Section 4.03. The NIMS Insurer shall not use any procedure
in selecting Mortgage Loans to be repurchased which is materially adverse to the
interests  of the  Certificateholders.  The NIMS  Insurer  shall  purchase  such
delinquent Mortgage Loan at a price equal to the Purchase Price of such Mortgage
Loan.  Any such purchase of a Mortgage Loan pursuant to this Section  3.16(a)(i)
shall be  accomplished  by remittance to the Master  Servicer for deposit in the
Collection  Account of the  amount of the  Purchase  Price.  The  Trustee  shall
effectuate the conveyance of such  delinquent  Mortgage Loan to the NIMS Insurer
to the extent  necessary,  as requested,  and the Trustee shall promptly deliver
all documentation to the NIMS Insurer.

      (ii) During the first full calendar month (but excluding the last Business
Day thereof)  following a Mortgage Loan or related REO Property becoming 90 days
or more  delinquent,  the Master  Servicer  shall have the  option,  but not the
obligation to purchase from the Trust Fund any such Mortgage Loan or related REO
Property  that is then  still  90 days or  more  delinquent,  which  the  Master
Servicer  determines in good faith shall otherwise become subject to foreclosure
proceedings  (evidence of such  determination  to be delivered in writing to the
Trustee prior to purchase), at a price equal to the Purchase Price. The Purchase
Price for any Mortgage Loan or related REO Property purchased hereunder shall be
deposited in the Collection Account, and the Trustee, upon written certification
of such deposit,  shall  release or cause to be released to the Master  Servicer
the related  Mortgage  File and the  Trustee  shall  execute  and  deliver  such
instruments of transfer or  assignment,  in each case without  recourse,  as the
Master  Servicer  shall  furnish and as shall be necessary to vest in the Master
Servicer  title to any Mortgage Loan or related REO Property  released  pursuant
hereto.

      (b) If  with  respect  to any  delinquent  Mortgage  Loan or  related  REO
Property, the option of the Master Servicer set forth in the preceding paragraph
shall have arisen but the Master  Servicer  shall have  failed to exercise  such
option on or before the  Business  Day  preceding  the last  Business Day of the
calender  month  following the calender month during which such Mortgage Loan or
related REO Property first became 90 days or more  delinquent,  then such option
shall automatically expire; provided, however, that if any such Mortgage Loan or
related  REO  Property  shall  cease to be 90 days or more  delinquent  but then
subsequently  shall  again  become 90 days or more  delinquent,  then the Master
Servicer  shall be entitled to another  repurchase  option with  respect to such
Mortgage Loan or REO Property as provided in the preceding paragraph.

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      SECTION 3.17. Trustee to Cooperate; Release of Mortgage Files.

      (a) Upon the payment in full of any Mortgage  Loan,  or the receipt by the
Master  Servicer of a  notification  that payment in full shall be escrowed in a
manner  customary for such purposes,  the Master  Servicer shall promptly notify
the Trustee and any related  Custodian by a certification in the form of Exhibit
E or such other form supplied by the Master  Servicer  provided that it does not
differ  from the  substantive  content of Exhibit E (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
Collection  Account  pursuant  to  Section  3.04(b)  have  been or  shall  be so
deposited)  of a  Servicing  Officer  and shall  request  delivery  to it of the
Mortgage File. Upon receipt of such  certification  and request,  the Trustee or
such Custodian, as the case may be, shall promptly release (and in no event more
than three (3) Business Days thereafter) the related Mortgage File to the Master
Servicer. No expenses incurred in connection with any instrument of satisfaction
or deed of  reconveyance  shall be chargeable to the  Collection  Account or the
Distribution Account.

      (b) From time to time and as appropriate  for the servicing or foreclosure
of any  Mortgage  Loan,  including,  for  this  purpose,  collection  under  any
insurance  policy  relating to the Mortgage  Loans,  the Trustee and any related
Custodian shall, upon request of the Master Servicer and delivery to the Trustee
or such  Custodian,  as the case may be, of a Request for Release in the form of
Exhibit E or such other form  supplied by the Master  Servicer  provided that it
does not differ from the  substantive  content of Exhibit E, release the related
Mortgage File to the Master Servicer, and the Trustee shall, at the direction of
the  Master  Servicer,  execute  such  documents  as shall be  necessary  to the
prosecution of any such  proceedings  and the Master  Servicer shall retain such
Mortgage File in trust for the benefit of the  Certificateholders.  Such Request
for Release shall obligate the Master Servicer to return each and every document
previously  requested from the Mortgage File to the Trustee or to such Custodian
when the need  therefor  by the Master  Servicer  no longer  exists,  unless the
Mortgage Loan has been charged off or liquidated  and the  Liquidation  Proceeds
relating to the Mortgage Loan have been deposited in the  Collection  Account or
the Mortgage  File or such document has been  delivered 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  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.
Upon receipt of a certificate of a Servicing  Officer stating that such Mortgage
Loan was  charged  off or  liquidated  and that all  amounts  received  or to be
received in connection with such  liquidation  that are required to be deposited
into the Collection  Account have been so deposited,  or that such Mortgage Loan
has become an REO  Property,  upon  request,  a copy of the  Request for Release
shall be released by the Trustee or such Custodian to the Master Servicer.

      (c) Upon written  certification of a Servicing Officer,  the Trustee shall
execute and deliver to the Master  Servicer  any court  pleadings,  requests for
trustee's sale or other  documents  reasonably  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.

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Each such certification shall include a request that such pleadings or documents
be executed by the Trustee and a statement  as to the reason such  documents  or
pleadings  are  required  and that the  execution  and  delivery  thereof by the
Trustee  shall not  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.

      (d) The Trustee (or the Custodian on behalf of the Trustee) and the Master
Servicer may mutually agree on policies and procedures  (commercially reasonable
in nature) to allow the  submission of any and all requests for the release of a
Mortgage File  electronically  with a digital  signature or other  identifier to
designate  the  Servicing  Officer  of  the  Master  Servicer   requesting  such
collateral.

      SECTION 3.18. Servicing Compensation.

      As compensation for the activities of the Master Servicer  hereunder,  the
Master  Servicer  shall be entitled to the  Servicing  Fee with  respect to each
Mortgage  Loan  payable  solely  from  payments  of  interest in respect of such
Mortgage Loan,  subject to Section  4.03(e).  In addition,  the Master  Servicer
shall be entitled to recover unpaid  Servicing  Fees out of Insurance  Proceeds,
Subsequent Recoveries or Liquidation Proceeds to the extent permitted by Section
3.05(a)(ii),  out of  general  funds in the  Collection  Account  to the  extent
permitted by Section  3.05(a) and out of amounts  derived from the operation and
sale of an REO Property to the extent  permitted by Section  3.13.  The right to
receive the Servicing Fee may not be  transferred  in whole or in part except in
connection  with the transfer of all of the Master  Servicer's  responsibilities
and obligations under this Agreement.

      Additional  servicing  compensation  in the  form of  Prepayment  Interest
Excess,  assumption  fees,  late  payment  charges,   insufficient  funds  fees,
reconveyance  fees and other  similar  fees and charges  (other than  Prepayment
Charges)  shall be  retained  by the Master  Servicer  only to the  extent  such
amounts,  fees or  charges  are  received  by the  Master  Servicer.  The Master
Servicer shall also be entitled pursuant to Section 3.05(a)(vi) to withdraw from
the Collection Account,  pursuant to Section 3.04(h) to withdraw from any Escrow
Account and pursuant to Section  3.13(b) to withdraw  from any REO  Account,  as
additional servicing  compensation,  interest or other income earned on deposits
therein,  subject to Section 3.06. The Master  Servicer shall be required to pay
all  expenses  incurred  by it  in  connection  with  its  servicing  activities
hereunder  (including  premiums  for the  insurance  required  by Section  3.08,
Section 3.09 and Section  3.10,  to the extent such premiums are not paid by the
related  Mortgagors  or  by  a  Sub-Servicer,  servicing  compensation  of  each
Sub-Servicer,  and to the extent provided in Section 8.05, the fees and expenses
of the Trustee) and shall not be entitled to  reimbursement  therefor  except as
specifically provided herein.

      SECTION 3.19. Statement as to Compliance.

      The Master Servicer shall deliver to the Trustee (who shall deliver to the
Certificate Insurer to the extent received), the NIMS Insurer, the Depositor and
each Rating Agency on or before March 15th of each  calendar year  commencing in
2005, an Officers'  Certificate,  in a form similar to Exhibit M attached hereto
agreeable to the parties hereto, stating, as to each signatory thereof, that (i)
a review of the activities of the Master Servicer during the

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preceding  calendar year and of  performance  under this Agreement has been made
under  such  officers'  supervision  and  (ii) to the  best  of  such  officers'
knowledge,  based on such review,  the Master  Servicer has fulfilled all of its
obligations  under this Agreement  throughout such year, or, if there has been a
default in the fulfillment of any such obligation,  specifying each such default
known to such  officer  and the nature and  status  thereof.  Copies of any such
statement  shall be provided by the Trustee to the  Certificate  Insurer and any
Certificateholder  and to any Person  identified to the Trustee as a prospective
transferee  of a  Certificate,  upon  the  request  and  at the  expense  of the
requesting  party,  provided  that such  statement  is  delivered  by the Master
Servicer to the Trustee.

      SECTION 3.20. Independent Public Accountants' Servicing Report.

      Not later than March 15th of each  calendar year  commencing in 2005,  the
Master  Servicer,  at its expense,  shall cause a nationally  recognized firm of
independent  certified  public  accountants to furnish to the Master  Servicer a
report  stating  that (i) it has obtained a letter of  representation  regarding
certain  matters from the  management of the Master  Servicer  which includes an
assertion that the Master Servicer has complied with certain minimum residential
mortgage loan servicing standards,  identified in the Uniform Single Attestation
Program for Mortgage Bankers  established by the Mortgage Bankers Association of
America,  with respect to the servicing of residential mortgage loans during the
most recently  completed  calendar year and (ii) on the basis of an  examination
conducted by such firm in accordance with standards  established by the American
Institute of Certified Public Accountants,  such representation is fairly stated
in all material  respects,  subject to such exceptions and other  qualifications
that may be  appropriate.  In  rendering  its report  such firm may rely,  as to
matters  relating  to the direct  servicing  of  residential  mortgage  loans by
Sub-Servicers,  upon comparable reports of firms of independent certified public
accountants  rendered on the basis of examinations  conducted in accordance with
the same  standards  (rendered  within one year of such  report) with respect to
those  Sub-Servicers.  Immediately  upon  receipt  of such  report,  the  Master
Servicer  shall  furnish a copy of such report to the Trustee,  the NIMS Insurer
and each  Rating  Agency.  Copies of such  statement  shall be  provided  by the
Trustee to any  Certificateholder  upon request at the expense of the requesting
party,  provided that such statement is delivered by the Master  Servicer to the
Trustee.  In the event such firm of  independent  certified  public  accountants
requires  the Trustee to agree to the  procedures  performed  by such firm,  the
Master  Servicer  shall  direct the  Trustee  in  writing to so agree;  it being
understood and agreed that the Trustee shall deliver such letter of agreement in
conclusive  reliance upon the direction of the Master Servicer,  and the Trustee
has not made any independent  inquiry or  investigation as to, and shall have no
obligation or liability in respect of, the sufficiency,  validity or correctness
of such procedures.

      SECTION 3.21. Access to Certain Documentation.

      The Master Servicer shall provide to the Office of Thrift Supervision, the
FDIC, and any other federal or state banking or insurance  regulatory  authority
that may exercise  authority over any  Certificateholder  or Certificate  Owner,
access to the documentation  regarding the Mortgage Loans required by applicable
laws and  regulations.  Such access shall be afforded  without charge,  but only
upon reasonable request and

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during normal business hours at the offices of the Master Servicer designated by
it. In addition,  access to the documentation regarding the Mortgage Loans shall
be provided to the NIMS Insurer and the Trustee upon  reasonable  request during
normal business hours at the offices of the Master Servicer  designated by it at
the expense of the Person  requesting such access.  In each case,  access to any
documentation   regarding  the  Mortgage  Loans  may  be  conditioned  upon  the
requesting  party's  acknowledgment  in writing of a  confidentiality  agreement
reasonably satisfactory to the Master Servicer regarding any information that is
required  to  remain  confidential  under  the  Gramm-Leach-Bliley  Act of 1999.
Nothing in this Section 3.21 shall limit the  obligation of the Master  Servicer
to observe any applicable law  prohibiting  disclosure of information  regarding
the  borrowers  and the  failure of the  Master  Servicer  to provide  access as
provided  in  this  Section  3.21  as a  result  of such  obligation  shall  not
constitute a breach of this Section 3.21.

      SECTION 3.22. Certificate Insurer Access.

      Upon the occurrence of a Trigger Event,  the Master  Servicer shall afford
the Certificate  Insurer access to its books and record concerning the servicing
of the  Mortgage  Loans,  and shall make  servicing  officers  available  to the
Cerificate  Insurer  to  discuss  the  servicing  of the  Mortgage  Loans,  upon
reasonable prior notice to the Master Servicer and during the Master  Servicer's
normal business hours.

      SECTION 3.23. Advance Facility.

      (a) The Master Servicer and/or the Trustee on behalf of the Trust Fund, in
either case, with the consent of the NIMS Insurer and the Master Servicer in the
case of the Trustee,  is hereby authorized to enter into a facility (an "Advance
Facility")  with any Person  which  provides  that such  Person  (an  "Advancing
Person") may fund  Advances  and/or  Servicing  Advances to the Trust Fund under
this Agreement,  although no such facility shall reduce or otherwise  affect the
Master Servicer's obligation to fund such Advances and/or Servicing Advances. If
the Master  Servicer  enters  into such an  Advance  Facility  pursuant  to this
Section 3.23, upon reasonable request of the Advancing Person, the Trustee shall
execute a letter of  acknowledgment,  confirming  its  receipt  of notice of the
existence of such Advance Facility. To the extent that an Advancing Person funds
any Advance or any  Servicing  Advance  and  provides  the  Trustee  with notice
acknowledged  by the Master  Servicer that such Advancing  Person is entitled to
reimbursement  directly  from the  Trustee  pursuant to the terms of the Advance
Facility,  such  Advancing  Person  shall be entitled  to receive  reimbursement
pursuant to this  Agreement  for such  amount to the extent  provided in Section
3.23(b).  Such notice from the  Advancing  Person must specify the amount of the
reimbursement, the Section of this Agreement that permits the applicable Advance
or Servicing Advance to be reimbursed and the section(s) of the Advance Facility
that entitle the  Advancing  Person to request  reimbursement  from the Trustee,
rather  than  the  Master   Servicer,   and   include   the  Master   Servicer's
acknowledgment  thereto  or  proof  of an Event of  Default  under  the  Advance
Facility.  The  Trustee  shall  have no duty or  liability  with  respect to any
calculation of any  reimbursement to be paid to an Advancing Person and shall be
entitled to rely without  independent  investigation  on the Advancing  Person's
notice  provided  pursuant to this  Section  3.23.  An  Advancing  Person  whose
obligations  hereunder are limited to the funding of Advances  and/or  Servicing
Advances shall not be required to meet the  qualifications  of a Master Servicer
or a Sub-Servicer  pursuant to Section 6.06 hereof and shall not be deemed to be
a Sub-Servicer  under this Agreement.  If the terms of a facility proposed to be
entered into with an Advancing Person by the Trust Fund would not

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materially and adversely affect the interests of any Certificateholder, then the
NIMS Insurer  shall not withhold its consent to the Trust Fund's  entering  such
facility.

      (b) If, pursuant to the terms of the Advance Facility, an Advancing Person
is entitled to reimbursement directly from the Trustee, then the Master Servicer
shall  not  reimburse  itself  therefor  under  Section   3.05(a)(ii),   Section
3.05(a)(iii), Section 3.05(a)(v) or Section 3.05(a)(vii) prior to the remittance
to the Trust Fund, but instead the Master Servicer shall include such amounts in
the applicable remittance to the Trustee made pursuant to Section 3.04(g) to the
extent of amounts on deposit in the  Collection  Account on the  related  Master
Servicer  Remittance  Date.  The  Trustee  is  hereby  authorized  to pay to the
Advancing  Person  reimbursements  for Advances and Servicing  Advances from the
Distribution  Account,  to the extent  permitted  under the terms of the Advance
Facility,  to the same extent the Master  Servicer  would have been permitted to
reimburse itself for such Advances and/or Servicing  Advances in accordance with
Section 3.05(a)(ii), Section 3.05(a)(iii) or Section 3.05(a)(v), as the case may
be, had the Master Servicer itself funded such Advance or Servicing Advance. The
Trustee is hereby  authorized  to pay  directly  to the  Advancing  Person  such
portion of the Servicing Fee as the parties to any advancing  facility  agree to
in writing delivered to the Trustee.

      (c) All Advances and Servicing Advances made pursuant to the terms of this
Agreement shall be deemed made and shall be reimbursed on a "first in first out"
(FIFO) basis.

      (d) In the event the Master  Servicer  is  terminated  pursuant to Section
7.01,  the Advancing  Person shall succeed to the terminated  Master  Servicer's
right of  reimbursement  set  forth in  Section  7.02(c)  to the  extent of such
Advancing  Person's  financing of Advances or Servicing  Advances hereunder then
remaining unreimbursed.

      (e) Any  amendment to this Section 3.23 or to any other  provision of this
Agreement that may be necessary or appropriate to effect the terms of an Advance
Facility as described  generally in this Section 3.23,  including  amendments to
add provisions  relating to a successor master servicer,  may be entered into by
the Trustee and the Master Servicer without the consent of any Certificateholder
but with the  consent of the NIMS  Insurer and  written  confirmation  from each
Rating Agency that the amendment shall not result in the reduction or withdrawal
of the then-current  ratings of any outstanding  Class of Certificates (and with
respect to the Insured Certificates, without regard to the Certificate Insurance
Policy) or any other notes secured by collateral which includes all or a portion
of the Class CE  Certificates,  the Class P  Certificates  and/or  the  Residual
Certificates, notwithstanding anything to the contrary in this Agreement.

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                                   ARTICLE IV

                         PAYMENTS TO CERTIFICATEHOLDERS

      SECTION 4.01. Distributions.

      (a) (1) On each Distribution Date, the following amounts, in the following
order of priority, shall be distributed by REMIC I to REMIC II on account of the
REMIC I  Regular  Interests  or  withdrawn  from the  Distribution  Account  and
distributed to the Holders of the Class R Certificates  (in respect of the Class
R-I Interest), as the case may be:

            (i) first, to the Holders of REMIC I Regular Interest I-LTAA,  REMIC
      I Regular  Interest  I-LTA1,  REMIC I  Regular  Interest  I-LTA2,  REMIC I
      Regular Interest I-LTA3,  REMIC I Regular Interest I-LTA4, REMIC I Regular
      Interest I-LTA5, REMIC I Regular Interest I-LTM1, REMIC I Regular Interest
      I-LTM2,  REMIC I Regular Interest I-LTM3, REMIC I Regular Interest I-LTM4,
      REMIC I Regular Interest I-LTM5,  REMIC I Regular Interest I-LTM6, REMIC I
      Regular Interest I-LTM7,  REMIC I Regular Interest I-LTM8, REMIC I Regular
      Interest  I-LTM9,  REMIC I  Regular  Interest  I-LTM10,  REMIC  I  Regular
      Interest I-LTZZ and REMIC I Regular Interest I-LTP, PRO RATA, in an amount
      equal to (A) the Uncertificated  Interest for such Distribution Date, plus
      (B)  any  amounts  in  respect  thereof  remaining  unpaid  from  previous
      Distribution Dates. Amounts payable as Uncertificated  Interest in respect
      of REMIC I Regular  Interest I-LTZZ shall be reduced and deferred when the
      REMIC  I   Overcollateralized   Amount   is   less   than   the   REMIC  I
      Overcollateralization  Target  Amount,  by the lesser of (x) the amount of
      such  difference  and  (y)  the  Maximum  I-LTZZ  Uncertificated  Interest
      Deferral  Amount and such amount will be payable to the Holders of REMIC I
      Regular Interest I-LTA1,  REMIC I Regular Interest I-LTA2, REMIC I Regular
      Interest I-LTA3, REMIC I Regular Interest I-LTA4, REMIC I Regular Interest
      I-LTA5,  REMIC I Regular Interest I-LTM1, REMIC I Regular Interest I-LTM2,
      REMIC I Regular Interest I-LTM3,  REMIC I Regular Interest I-LTM4, REMIC I
      Regular Interest I-LTM5,  REMIC I Regular Interest I-LTM6, REMIC I Regular
      Interest I-LTM7, REMIC I Regular Interest I-LTM8, REMIC I Regular Interest
      I-LTM9 and REMIC I Regular  Interest I-LTM10 in the same proportion as the
      Overcollateralization  Increase  Amount is allocated to the  Corresponding
      Certificates  and the  Uncertificated  Principal  Balance  of the  REMIC I
      Regular Interest I-LTZZ shall be increased by such amount;

            (ii) to the Holders of REMIC I Regular  Interest  I-LT1SUB,  REMIC I
      Regular  Interest  I-LT1GRP,  REMIC I Regular Interest  I-LT2SUB,  REMIC I
      Regular Interest  I-LT2GRP and REMIC I Regular Interest I-LTXX,  PRO RATA,
      in  an  amount  equal  to  (A)  the   Uncertificated   Interest  for  such
      Distribution  Date,  plus (B) any  amounts  in respect  thereof  remaining
      unpaid from previous Distribution Dates;

            (iii) to the  Holders  of REMIC I  Regular  Interests,  in an amount
      equal to the  remainder  of the REMIC I Marker  Allocation  Percentage  of
      Available Funds for such Distribution  Date after the  distributions  made
      pursuant to clause (i) above, allocated as follows:

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                  (a) 98.00% of such remainder (other than amounts payable under
            clause (c) below), to the Holders of REMIC I Regular Interest I-LTAA
            and REMIC I Regular Interest I-LTP, until the Uncertificated Balance
            of such  REMIC I Regular  Interest  is  reduced  to zero,  provided,
            however,  that REMIC I Regular  Interest  I-LTP shall not be reduced
            until the Distribution Date immediately  following the expiration of
            the latest  Prepayment Charge as identified on the Prepayment Charge
            Schedule or any Distribution  Date  thereafter,  at which point such
            amount shall be distributed to REMIC I Regular Interest I-LTP, until
            $100 has been distributed pursuant to this clause;

                  (b) 2.00% of such remainder  (other than amounts payable under
            clause (c) below) first, to the Holders of REMIC I Regular  Interest
            I-LTA1,  REMIC I Regular Interest  I-LTA2,  REMIC I Regular Interest
            I-LTA3,  REMIC I Regular Interest  I-LTA4,  REMIC I Regular Interest
            I-LTA5,  REMIC I Regular Interest  I-LTM1,  REMIC I Regular Interest
            I-LTM2,  REMIC I Regular Interest  I-LTM3,  REMIC I Regular Interest
            I-LTM4,  REMIC I Regular Interest  I-LTM5,  REMIC I Regular Interest
            I-LTM6,  REMIC I Regular Interest  I-LTM7,  REMIC I Regular Interest
            I-LTM8, REMIC I Regular Interest I-LTM9 and REMIC I Regular Interest
            I-LTM10,  1.00% and in the same proportion as principal payments are
            allocated   to   the   Corresponding    Certificates,    until   the
            Uncertificated  Balances  of such  REMIC  I  Regular  Interests  are
            reduced  to zero and  second,  to the  Holders  of  REMIC I  Regular
            Interest I-LTZZ, 1.00% of such remainder (other than amounts payable
            under clause (c) below),  until the  Uncertificated  Balance of such
            REMIC I Regular Interest is reduced to zero; and

                  (c)  any  remaining  amount  to the  Holders  of the  Class  R
            Certificates (in respect of the Class R-I Interest);

provided, however, that (i) 98.00% and (ii) 2.00% of any principal payments that
are attributable to an Overcollateralization Reduction Amount shall be allocated
to the  Holders  of (i)  REMIC I  Regular  Interest  I-LTAA  and REMIC I Regular
Interest  I-LTP,  in that  order  and  (ii)  REMIC I  Regular  Interest  I-LTZZ,
respectively;  provided that REMIC I Regular Interest I-LTP shall not be reduced
until the Distribution  Date immediately  following the expiration of the latest
Prepayment  Charge  as  identified  on the  Prepayment  Charge  Schedule  or any
Distribution Date thereafter, at which point such amount shall be distributed to
REMIC I Regular Interest I-LTP, until $100 has been distributed pursuant to this
clause; and

            (iv) to the Holders of REMIC I Regular Interests, in an amount equal
      to the remainder of the REMIC I Sub WAC Allocation Percentage of Available
      Funds for such Distribution Date after the distributions  made pursuant to
      clause (i) above, such that  distributions of principal shall be deemed to
      be made  to the  REMIC  I  Regular  Interests  FIRST,  so as to  keep  the
      Uncertificated  Balance of each REMIC I Regular  Interest  ending with the
      designation "GRP" equal to 0.01% of the aggregate Stated Principal Balance
      of the Mortgage Loans in the related Loan Group;  SECOND,  to each REMIC I
      Regular   Interest  ending  with  the  designation   "SUB,"  so  that  the
      Uncertificated  Balance of each such REMIC I Regular  Interest is equal to
      0.01% of the excess of (x) the aggregate Stated  Principal  Balance of the
      Mortgage Loans in the related Loan Group over (y) the current

                                      100
<PAGE>

      Certificate  Principal  Balance of the Class A Certificate  in the related
      Loan Group  (except that if any such excess is a larger number than in the
      preceding  distribution  period,  the least amount of  principal  shall be
      distributed  to such  REMIC I  Regular  Interests  such  that the  REMIC I
      Subordinated  Balance  Ratio is  maintained);  and  THIRD,  any  remaining
      principal to REMIC I Regular Interest I-LTXX.

      Notwithstanding  the  priorities  and  amounts  of  distribution  of funds
pursuant to this Section  4.01(a)(1),  actual  distributions  of Available Funds
shall be made only in accordance with Section 4.01(a)(2), (3) and (4).

      (2) (I) On each  Distribution  Date,  the Trustee shall  withdraw from the
Distribution  Account an amount equal to the Group I Interest  Remittance Amount
and distribute to the Certificateholders the following amounts, in the following
order of priority:

            (i) to the Certificate  Insurer, the amount owing to the Certificate
      Insurer under the Insurance Agreement for the Premium Amount;

            (ii) to the Holders of the Group I Certificates, the Senior Interest
      Distribution Amount related to such Certificates;

            (iii) to the Certificate  Insurer, the Reimbursement Amount for such
      Distribution Date; and

            (iv)  concurrently,  to the  Holders  of  each  Class  of  Group  II
      Certificates,  on a PRO RATA basis based on the  entitlement  of each such
      Class, the Senior Interest Distribution Amount for each such Class, to the
      extent  remaining  undistributed  after the  distribution  of the Group II
      Interest  Remittance  Amount,  as set forth in  Section  4.01(a)(2)(II)(i)
      below.

      (II) On each  Distribution  Date,  the  Trustee  shall  withdraw  from the
Distribution  Account an amount equal to the Group II Interest Remittance Amount
and distribute to the Certificateholders the following amounts, in the following
order of priority:

            (i)  concurrently,  to  the  Holders  of  each  Class  of  Group  II
      Certificates,  on a PRO RATA basis based on the  entitlement  of each such
      Class,   the  Senior   Interest   Distribution   Amount  related  to  such
      Certificates;

            (ii) to the holders of the Group I  Certificates  any  undistributed
      Senior Interest  Distribution Amount related to such Certificates,  to the
      extent  remaining  undistributed  after the  distributions  of the Group I
      Interest  Remittance  Amount,  as set forth in  Section  4.01(a)(2)(I)(ii)
      above;

            (iii)  to  the  Certificate   Insurer,   the  amount  owing  to  the
      Certificate  Insurer under the Insurance Agreement for the Premium Amount,
      to the extent remaining  undistributed after the distribution of the Group
      I Interest  Remittance  Amount, as set forth in Section  4.01(a)(2)(I)(i);
      and

                                      101
<PAGE>

            (iv) to the Certificate  Insurer,  the Reimbursement Amount for such
      Distribution   Date,   to  the  extent  not  paid   pursuant   to  Section
      4.01(a)(2)(I)(iii).

            (III) On each Distribution  Date,  following the distributions  made
      pursuant  to Section  4.01(a)(2)(I)  and (II)  above,  the  Trustee  shall
      withdraw  from the  Distribution  Account an amount equal to any remaining
      Group I Interest Remittance Amount and Group II Interest Remittance Amount
      and will be  distributed  sequentially  to the Class M-1, Class M-2, Class
      M-3,  Class M-4, Class M-5, Class M-6, Class M-7, Class M-8, Class M-9 and
      Class M-10 Certificates, in that order, in an amount equal to the Interest
      Distribution Amount for each such Class.

      (3) (I) On each Distribution Date (a) prior to the Stepdown Date or (b) on
which a Trigger Event is in effect,  the Group I Principal  Distribution  Amount
shall be distributed in the following order of priority:

            (i)  to  the  Holders  of  the  Group  I  Certificates,   until  the
      Certificate Principal Balance thereof has been reduced to zero;

            (ii) to the Certificate  Insurer,  the Reimbursement Amount for such
      Distribution   Date,   to  the  extent  not  paid   pursuant  to  Sections
      4.01(a)(2)(I)(iii) and 4.01(a)(2)(II)(iv); and

            (iii) to the Holders of the Group II Certificates  (allocated  among
      the Classes of Group II Certificates in the priority  described in Section
      4.01(a)(5) below), after taking into account the distribution of the Group
      II Principal  Distribution Amount, as described in Section  4.01(a)(3)(II)
      below, until the Certificate  Principal Balances of such Classes have been
      reduced to zero.

      (II) On each  Distribution  Date (a) prior to the Stepdown  Date or (b) on
which a Trigger Event is in effect, the Group II Principal  Distribution  Amount
shall be distributed in the following order of priority:

            (i) to the Holders of the Group II Certificates (allocated among the
      Classes of Group II  Certificates  in the  priority  described  in Section
      4.01(a)(5)  below),  until  the  Certificate  Principal  Balances  of such
      Classes have been reduced to zero; and

            (ii) to the Holders of the Group I  Certificates,  after taking into
      account  the  distribution  of the Group I Principal  Distribution  Amount
      already distributed as set forth in Section  4.01(a)(3)(I) above until the
      Certificate Principal Balance thereof has been reduced to zero.

      (III) On each  Distribution  Date (a) prior to the Stepdown Date or (b) on
which a  Trigger  Event  is in  effect,  the  Trustee  shall  withdraw  from the
Distribution  Account  an  amount  equal  to the sum of the  Group  I  Principal
Distribution  Amount and the Group II Principal  Distribution  Amount  remaining
undistributed for such Distribution Date will be distributed sequentially to the
Class M-1,  Class M-2,  Class M-3,  Class M-4,  Class M-5, Class M-6, Class M-7,
Class M-8, Class M-9 and Class M-10  Certificates,  in that order, in each case,
until the Certificate Principal Balance of such Class has been reduced to zero.

                                      102
<PAGE>

      (IV) On each  Distribution  Date (a) on or after the Stepdown Date and (b)
on which a Trigger  Event is not in effect,  the Group I Principal  Distribution
Amount shall be distributed in the following order of priority:

            (i) to the Holders of the Group I  Certificates,  the Senior Group I
      Principal  Distribution  Amount,  until the Certificate  Principal Balance
      thereof has been reduced to zero;

            (ii) to the Certificate  Insurer,  the Reimbursement Amount for such
      Distribution  Date,  to the  extent  not paid  pursuant  to the  foregoing
      provisions; and

            (iii) to the Holders of the Group II Certificates  (allocated  among
      the Classes of Group II Certificates in the priority  described in Section
      4.01(a)(5) below), after taking into account the distribution of the Group
      II Principal Distribution Amount, as described in Section 4.01(a)(3)(V)(i)
      below, up to an amount equal to the Senior Group II Principal Distribution
      Amount remaining  undistributed,  until the Certificate Principal Balances
      of such Classes have been reduced to zero.

      (V) On each Distribution Date (a) on or after the Stepdown Date and (b) on
which a Trigger  Event is not in  effect,  the Group II  Principal  Distribution
Amount shall be distributed in the following order of priority:

            (i) to the Holders of the Group II Certificates (allocated among the
      Classes of Group II  Certificates  in the  priority  described  in Section
      4.01(a)(5)  below),  the Senior  Group II Principal  Distribution  Amount,
      until the Certificate Principal Balances of such Classes have been reduced
      to zero; and

            (ii) to the Holders of the Group I  Certificates  after  taking into
      account the distribution of the Group I Principal  Distribution Amount, as
      set forth in Section  4.01(a)(3)(IV)  above,  up to an amount equal to the
      Senior  Group I Principal  Distribution  Amount  remaining  undistributed,
      until the Certificate Principal Balance thereof has been reduced to zero.

      (VI) On each  Distribution  Date (a) on or after the Stepdown Date and (b)
on which a Trigger  Event is not in  effect,  the sum of the  Group I  Principal
Distribution  Amount and the Group II Principal  Distribution  Amount  remaining
undistributed  for such  Distribution Date shall be distributed in the following
order of priority:

            (i) to the  Holders  of the  Class M-1  Certificates,  the Class M-1
      Principal  Distribution  Amount,  until the Certificate  Principal Balance
      thereof has been reduced to zero;

            (ii) to the  Holders  of the Class M-2  Certificates,  the Class M-2
      Principal  Distribution  Amount,  until the Certificate  Principal Balance
      thereof has been reduced to zero;

                                      103
<PAGE>

            (iii) to the  Holders of the Class M-3  Certificates,  the Class M-3
      Principal  Distribution  Amount,  until the Certificate  Principal Balance
      thereof has been reduced to zero;

            (iv) to the  Holders  of the Class M-4  Certificates,  the Class M-4
      Principal  Distribution  Amount,  until the Certificate  Principal Balance
      thereof has been reduced to zero;

            (v) to the  Holders  of the  Class M-5  Certificates,  the Class M-5
      Principal  Distribution  Amount,  until the Certificate  Principal Balance
      thereof has been reduced to zero;

            (vi) to the  Holders  of the Class M-6  Certificates,  the Class M-6
      Principal  Distribution  Amount,  until the Certificate  Principal Balance
      thereof has been reduced to zero;

            (vii) to the  Holders of the Class M-7  Certificates,  the Class M-7
      Principal  Distribution  Amount,  until the Certificate  Principal Balance
      thereof has been reduced to zero;

            (viii) to the Holders of the Class M-8  Certificates,  the Class M-8
      Principal  Distribution  Amount,  until the Certificate  Principal Balance
      thereof has been reduced to zero;

            (ix) to the  Holders  of the Class M-9  Certificates,  the Class M-9
      Principal  Distribution  Amount,  until the Certificate  Principal Balance
      thereof has been reduced to zero; and

            (x) to the  Holders of the Class M-10  Certificates,  the Class M-10
      Principal  Distribution  Amount,  until the Certificate  Principal Balance
      thereof has been reduced to zero.

      (4) On each  Distribution  Date, the Net Monthly Excess  Cashflow shall be
distributed as follows:

            (i) to the  Holders  of the Class or Classes  of  Certificates  then
      entitled to receive  distributions  in respect of principal,  in an amount
      equal to the Overcollateralization Increase Amount, applied as part of the
      Group  I  Principal   Distribution   Amount  or  the  Group  II  Principal
      Distribution  Amount, as applicable,  to reduce the Certificate  Principal
      Balance of such  Certificates  until the aggregate  Certificate  Principal
      Balance of such Certificates is reduced to zero;

            (ii) sequentially, to the Holders of the Class M-1, Class M-2, Class
      M-3,  Class M-4, Class M-5, Class M-6, Class M-7, Class M-8, Class M-9 and
      Class M-10,  in that order,  the related  Interest  Carry  Forward  Amount
      allocable to such Classes of Certificates;

                                      104
<PAGE>

            (iii)  sequentially,  to the  Holders of the Class  M-1,  Class M-2,
      Class M-3,  Class M-4,  Class M-5,  Class M-6, Class M-7, Class M-8, Class
      M-9 and Class M-10,  in that order,  the related  Allocated  Realized Loss
      Amount allocable to such Classes of Certificates;

            (iv) to the Net WAC  Rate  Carryover  Reserve  Account,  the  amount
      required by Section 4.10(b),  after taking into account  amounts,  if any,
      received under the Cap Contracts;

            (v) to the  Holders of the Class CE  Certificates,  (a) the  Monthly
      Interest Distributable Amount and any Overcollateralization Release Amount
      for such  Distribution  Date and (b) on any Distribution Date on which the
      Certificate  Principal  Balances  of the  Class  A  Certificates  and  the
      Mezzanine Certificates have been reduced to zero, any remaining amounts in
      reduction  of  the   Certificate   Principal   Balance  of  the  Class  CE
      Certificates,  until the  Certificate  Principal  Balance thereof has been
      reduced to zero; and

            (vi) to the  Holders  of the  Class R  Certificates,  any  remaining
      amounts;  provided that if such Distribution Date is the Distribution Date
      immediately  following the expiration of the latest Prepayment Charge term
      as  identified  on the Mortgage  Loan  Schedule or any  Distribution  Date
      thereafter, then any such remaining amounts shall be distributed first, to
      the Holders of the Class P Certificates,  until the Certificate  Principal
      Balance  thereof has been reduced to zero;  and second,  to the Holders of
      the Class R Certificates.

      (5) With respect to the Group II Certificates, all principal distributions
will  be  distributed  concurrently,  on a PRO  RATA  basis  (based  on (i)  the
Certificate  Principal  Balance  of the  Class  A-2  Certificates  and  (ii) the
aggregate Certificate Principal Balance of the Class A-3 Certificates, the Class
A-4 Certificates and the Class A-5 Certificates,  respectively) to (a) the Class
A-2 Certificates and (b) sequentially, to the Class A-3 Certificates,  the Class
A-4  Certificates  and the Class A-5  Certificates,  in that order,  until their
respective  Certificate  Principal Balances have been reduced to zero; provided,
however, on any Distribution Date on which the aggregate  Certificate  Principal
Balances of the Class CE Certificates and the Mezzanine  Certificates  have been
reduced to zero,  notwithstanding anything contained herein to the contrary, all
distributions  of principal  to the Group II  Certificates  will be  distributed
concurrently,  on a PRO RATA basis based on the Certificate Principal Balance of
each such Class.

      On each  Distribution  Date,  following  the foregoing  distributions,  an
amount  equal  to  the  amount  of  Subsequent  Recoveries  deposited  into  the
Collection  Account pursuant to Section 3.05 and included in the Available Funds
for such  Distribution  Date  shall  be  applied  to  increase  the  Certificate
Principal  Balance of the Class of Certificates  with the Highest Priority up to
the  extent  of such  Realized  Losses  previously  allocated  to that  Class of
Certificates  pursuant  to Section  4.04.  An amount  equal to the amount of any
remaining  Subsequent  Recoveries  shall be applied to increase the  Certificate
Principal  Balance of the Class of Certificates  with the next Highest Priority,
up to the amount of such Realized Losses  previously  allocated to that Class of
Certificates  pursuant to Section 4.04, and so on. Holders of such  Certificates
will not be entitled to any distribution in respect of interest on the amount of
such increases for any Interest Accrual

                                      105
<PAGE>

Period preceding 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.

      (b) On each  Distribution  Date,  after  making the  distributions  of the
Available Funds as set forth above,  the Trustee shall FIRST,  withdraw from the
Net WAC Rate  Carryover  Reserve  Account all net income from the  investment of
funds in the Net WAC Rate Carryover  Reserve  Account and distribute such amount
to the Holders of the Class CE  Certificates  and SECOND,  withdraw from the Net
WAC Rate  Carryover  Reserve  Account,  to the  extent of amounts  remaining  on
deposit  therein,  the  amount  of any Net WAC Rate  Carryover  Amount  for such
Distribution Date and distribute such amount as follows:

      FIRST,  concurrently,  to each Class of Class A Certificates,  the related
Cap Amount,  in each case up to the related  Net WAC Rate  Carryover  Amount for
such Distribution Date;

      SECOND,  sequentially,  to the Class M-1, Class M-2, Class M-3, Class M-4,
Class  M-5,  Class  M-6,  Class  M-7,  Class  M-8,  Class  M-9  and  Class  M-10
Certificates,  in that  order,  the  related  Cap  Amount,  in each case up to a
maximum  amount  equal to the  related  Net WAC Rate  Carryover  Amount for such
Distribution Date;

      THIRD,  concurrently,  to each Class of Class A Certificates,  the related
Net WAC Rate Carryover  Amount  remaining unpaid pursuant to clause first above,
on a PRO RATA basis based on such  respective  remaining Net WAC Rate  Carryover
Amounts; and

      FOURTH,  sequentially  to the Class M-1,  Class M-2, Class M-3, Class M-4,
Class  M-5,  Class  M-6,  Class  M-7,  Class  M-8,  Class  M-9  and  Class  M-10
Certificates, in that order, the related Net WAC Rate Carryover Amount remaining
unpaid pursuant to clause second above.

      On each Distribution Date, after the payment of any Net WAC Rate Carryover
Amounts on the  Adjustable-Rate  Certificates,  any amounts remaining in the Net
WAC Rate Reserve Account  (representing  payments  received by the Trustee under
the  Cap  Contracts),  shall  be  payable  to the  Trustee.  For so  long as any
Adjustable-Rate  Certificates  are held by the Seller or any of its  Affiliates,
the Trustee shall not  distribute any Cap Amounts for such  Certificates  to the
Seller or any of its  Affiliates and the Trustee will retain any such amounts as
additional compensation for its role in administering the Cap Contracts.

      On each Distribution  Date, the Trustee shall withdraw any amounts then on
deposit in the Distribution  Account that represent Prepayment Charges collected
by the Master  Servicer,  Prepayment  Charges  payable  by the  Master  Servicer
pursuant  to  Section  2.03(b)(ii),  to the  extent  not  related  to  Principal
Prepayments occurring after the related Prepayment Period, and the Trustee shall
distribute  such  amounts  to the  Holders  of the  Class P  Certificates.  Such
distributions  shall not be applied to reduce the Certificate  Principal Balance
of the Class P Certificates.

      (c) All  distributions  made with respect to each Class of Certificates on
each  Distribution  Date  shall be  allocated  PRO RATA  among  the  outstanding
Certificates  in such  Class  based on their  respective  Percentage  Interests.
Payments in respect of each Class of Certificates

                                      106
<PAGE>

on each  Distribution  Date shall be made to the Holders of the respective Class
of record on the related  Record Date (except as  otherwise  provided in Section
4.01(e) or Section 9.01 respecting the final distribution on such Class),  based
on  the  aggregate   Percentage   Interest   represented  by  their   respective
Certificates,  and shall be made by wire transfer of immediately available funds
to the account of any such Holder at a bank or other entity  having  appropriate
facilities  therefor,  if such  Holder  shall have so  notified  the  Trustee in
writing at least five Business Days prior to the Record Date  immediately  prior
to such  Distribution  Date, or otherwise by check mailed by first class mail to
the address of such Holder  appearing  in the  Certificate  Register.  The final
distribution  on each  Certificate  shall be made in like manner,  but only upon
presentment  and  surrender  of such  Certificate  at the office of the  Trustee
maintained  for such  purpose  pursuant to Section  8.12 or such other  location
specified  in the  notice  to  Certificateholders  of such  final  distribution.
Payments to the Certificate  Insurer on any  Distribution  Date shall be made by
wire transfer of immediately  available  funds to the account  designated by the
Certificate Insurer in Section 4.11(f).

      Each distribution  with respect to a Book-Entry  Certificate shall be paid
to the Depository,  as Holder thereof,  and the Depository  shall be 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" or "indirect  participating  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  Depositor  or the Master  Servicer  shall have any
responsibility  therefor  except as  otherwise  provided  by this  Agreement  or
applicable law.

      (d) The  rights of the  Certificateholders  to  receive  distributions  in
respect of the Certificates, and all interests of the Certificateholders in such
distributions,  shall be as set forth in this Agreement.  Neither the Holders of
any Class of  Certificates  nor the Trustee nor the Master Servicer shall in any
way be responsible  or liable to the Holders of any other Class of  Certificates
in respect of amounts properly previously distributed on the Certificates.

      (e) Except as  otherwise  provided in Section  9.01,  whenever the Trustee
expects that the final  distribution  with respect to any Class of  Certificates
shall be made on the next  Distribution  Date, the Trustee shall,  no later than
five (5) days after the  related  Determination  Date,  mail to the  Certificate
Insurer and each Holder on such date of such Class of  Certificates  a notice to
the effect that:

            (i) the Trustee expects that the final  distribution with respect to
      such Class of Certificates  shall be made on such  Distribution  Date, but
      only upon presentation and surrender of such Certificates at the office of
      the Trustee therein specified or its agent; and

            (ii) no interest  shall accrue on such  Certificates  from and after
      the end of the related Interest Accrual Period.

      Any funds not distributed to any Holder or Holders of Certificates of such
Class on such Distribution Date because of the failure of such Holder or Holders
to tender their

                                      107
<PAGE>

Certificates  shall, on such date, be set aside and held in trust by the Trustee
and credited to the account of the appropriate  non-tendering Holder or Holders.
If any  Certificates  as to which notice has been given pursuant to this Section
4.01(e) shall not have been surrendered for cancellation within six months after
the time specified in such notice, the Trustee shall mail a second notice to the
remaining  non-tendering  Certificateholders to surrender their Certificates for
cancellation in order to receive the final distribution with respect thereto. If
within  one year after the second  notice all such  Certificates  shall not have
been  surrendered for  cancellation,  the Trustee shall,  directly or through an
agent,  mail  a  final  notice  to  remaining  non-tendering  Certificateholders
concerning  surrender  of their  Certificates  but  shall  continue  to hold any
remaining funds for the benefit of non-tendering  Certificateholders.  The costs
and  expenses  of  maintaining  the  funds  in  trust  and  of  contacting  such
Certificateholders shall be paid out of the assets remaining in such trust fund.
If within one year after the final notice any such  Certificates  shall not have
been  surrendered  for  cancellation,   any  amounts  which  were  paid  by  the
Certificate  Insurer under the Certificate  Insurance Policy shall be reimbursed
to the Certificate  Insurer (but only if the  non-surrendered  Certificates  are
Insured  Certificates)  and  the  Trustee  shall  pay  to the  Underwriters  all
remaining amounts, and all rights of non-tendering  Certificateholders  in or to
such amounts shall  thereupon  cease.  No interest shall accrue or be payable to
any  Certificateholder on any amount held in trust by the Trustee as a result of
such  Certificateholder's  failure to  surrender  its  Certificate(s)  for final
payment thereof in accordance with this Section 4.01(e).

      (f) Notwithstanding anything to the contrary herein, (i) in no event shall
the  Certificate  Principal  Balance  of a Class A  Certificate  or a  Mezzanine
Certificate be reduced more than once in respect of any  particular  amount both
(a)  allocated to such  Certificate  in respect of Realized  Losses  pursuant to
Section 4.04 and (b) distributed to the Holder of such  Certificate in reduction
of the Certificate  Principal Balance thereof pursuant to this Section 4.01 from
Net  Monthly  Excess  Cashflow  and (ii) in no event  shall  the  Uncertificated
Balance of a REMIC I Regular Interest to be reduced more than once in respect of
any  particular  amount both (a)  allocated to such REMIC I Regular  Interest in
respect of Realized  Losses pursuant to Section 4.04 and (b) distributed on such
REMIC I Regular  Interest in reduction  of the  Uncertificated  Balance  thereof
pursuant to this Section 4.01.

      SECTION 4.02. Statements to Certificateholders.

      On each Distribution Date, the Trustee shall prepare and make available to
each Holder of the Regular  Certificates,  the Certificate  Insurer and the NIMS
Insurer,  a statement as to the  distributions  made on such  Distribution  Date
setting forth:

            (i) the amount of the distribution made on such Distribution Date to
      the Holders of the Certificates of each Class allocable to principal,  and
      the amount of distribution  made on such  Distribution Date to the Holders
      of the Class P  Certificates  allocable  to  Prepayment  Charges or Master
      Servicer Prepayment Charge Payment Amounts;

            (ii) the amount of the distribution  made on such  Distribution Date
      to the Holders of the Certificates of each Class allocable to interest;

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            (iii) the aggregate  Servicing  Fee received by the Master  Servicer
      during the related Due Period;

            (iv) the aggregate amount of Advances for such Distribution Date;

            (v) the aggregate Stated Principal Balance of the Mortgage Loans and
      any REO Properties as of the close of business on such Distribution Date;

            (vi)  the  number,  aggregate  Stated  Principal  Balance,  weighted
      average  remaining term to maturity and weighted  average Mortgage Rate of
      the Mortgage Loans as of the related Due Date;

            (vii) the number and aggregate  unpaid Stated  Principal  Balance of
      Mortgage Loans (a) delinquent  30-59 days, (b) delinquent  60-89 days, (c)
      delinquent  90 or more  days,  in each  case,  as of the  last  day of the
      preceding  calendar month,  (d) as to which  foreclosure  proceedings have
      been  commenced  and (e) with respect to which the related  Mortgagor  has
      filed for protection  under  applicable  bankruptcy  laws, with respect to
      whom bankruptcy proceedings are pending or with respect to whom bankruptcy
      protection is in force;

            (viii) with respect to any Mortgage Loan that became an REO Property
      during the  preceding  calendar  month,  the loan number of such  Mortgage
      Loan, the unpaid Stated Principal Balance and the Stated Principal Balance
      of such Mortgage Loan as of the date it became an REO Property;

            (ix) the book  value and the  Stated  Principal  Balance  of any REO
      Property  as of the  close of  business  on the last  Business  Day of the
      calendar month preceding the Distribution Date;

            (x) the aggregate  amount of Principal  Prepayments  made during the
      related Prepayment Period;

            (xi) the aggregate  amount of Realized  Losses  incurred  during the
      related  Prepayment Period (or, in the case of Bankruptcy Losses allocable
      to  interest,  during the  related  Due  Period),  separately  identifying
      whether  such  Realized  Losses  constituted  Bankruptcy  Losses  and  the
      aggregate  amount of Realized  Losses  incurred since the Closing Date and
      the aggregate amount of Subsequent  Recoveries received during the related
      Prepayment  Period  and the  cumulative  amount of  Subsequent  Recoveries
      received since the Closing Date (to the extent reported to the Trustee);

            (xii) the  aggregate  amount of  Extraordinary  Trust Fund  Expenses
      withdrawn from the Collection Account or the Distribution Account for such
      Distribution Date;

            (xiii) the aggregate  Certificate Principal Balance of each Class of
      Certificates, after giving effect to the distributions, and allocations of
      Realized Losses,  made on such Distribution Date,  separately  identifying
      any reduction thereof due to allocations of Realized Losses (to the extent
      reported to the Trustee);

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            (xiv) the  Certificate  Factor for each such  Class of  Certificates
      applicable to such Distribution Date;

            (xv) the  Interest  Distribution  Amount in  respect  of the Class A
      Certificates, the Mezzanine Certificates and the Class CE Certificates for
      such Distribution Date and the Interest Carry Forward Amount, if any, with
      respect to the Class A Certificates and the Mezzanine Certificates on such
      Distribution  Date,  and in the  case  of the  Class A  Certificates,  the
      Mezzanine   Certificates  and  the  Class  CE   Certificates,   separately
      identifying any reduction  thereof due to allocations of Realized  Losses,
      Prepayment Interest Shortfalls and Relief Act Interest Shortfalls;

            (xvi) the aggregate amount of any Prepayment  Interest Shortfall for
      such  Distribution  Date,  to the extent not  covered by  payments  by the
      Master  Servicer  pursuant to Section 4.03(e) or allocated to the Class CE
      Certificates;

            (xvii) the aggregate  amount of Relief Act Interest  Shortfalls  for
      such Distribution Date;

            (xviii)  the  Overcollateralization  Target  Amount  and the  Credit
      Enhancement Percentage for such Distribution Date;

            (xix) the  Overcollateralization  Increase Amount,  if any, for such
      Distribution Date;

            (xx) the  Overcollateralization  Reduction  Amount, if any, for such
      Distribution Date;

            (xxi) with  respect  to any  Mortgage  Loan as to which  foreclosure
      proceedings  have  been  concluded,  the loan  number  and  unpaid  Stated
      Principal  Balance of such Mortgage Loan as of the date of such conclusion
      of foreclosure proceedings;

            (xxii)  with  respect  to  Mortgage   Loans  as  to  which  a  Final
      Liquidation has occurred,  the number of Mortgage Loans, the unpaid Stated
      Principal  Balance  of such  Mortgage  Loans as of the date of such  Final
      Liquidation and the amount of proceeds (including Liquidation Proceeds and
      Insurance Proceeds) collected in respect of such Mortgage Loans;

            (xxiii) the respective  Pass-Through Rates applicable to the Class A
      Certificates, the Mezzanine Certificates and the Class CE Certificates for
      such  Distribution  Date  and  the  Pass-Through  Rate  applicable  to the
      Adjustable-Rate  Certificates for the immediately succeeding  Distribution
      Date;

            (xxiv) the amount on deposit in the Net WAC Rate  Carryover  Reserve
      Account as of the Determination Date;

            (xxv) whether a Trigger Event is in effect;

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            (xxvi)  the  Net  WAC  Rate   Carryover   Amount  for  the  Class  A
      Certificates and the Mezzanine Certificates, if any, for such Distribution
      Date, the amount  remaining unpaid after  reimbursements  therefor on such
      Distribution  Date  and  any  amounts  due  and  received  under  the  Cap
      Contracts;

            (xxvii) the Class A-1 Certificate  Deficiency  Amount and the Policy
      Payment for such Distribution Date; and

            (xxviii)   the   amount  of  the   Reimbursement   Amount  for  such
      Distribution  Date and the amount received by the  Certificate  Insurer in
      respect thereof on such Distribution Date.

      With respect to the items described in (v), (vi), (vii), (viii), (x), (xi)
and (xxii) above,  the Trustee shall set forth such  information with respect to
each Loan Group and with respect to the Mortgage Pool.

      The  Trustee  may  make  such   statement   available  and  certain  other
information,  including, without limitation, information required to be provided
by the  Trustee,  to  Certificateholders,  the  Certificate  Insurer,  the  NIMS
Insurer,  the Master Servicer,  the Rating Agencies and to beneficial  owners of
the  Certificates  through the  Trustee's  web site.  Such web site is currently
located at "www.ctslink.com."  Assistance in using the web site can currently be
obtained by calling the Trustee's  investor  relations  desk at (301)  815-6660.
Parties unable to use this distribution  method may request that a paper copy be
mailed to them via first class mail by calling the investor  relations desk. The
location of such web page and the procedures  used therein are subject to change
from time to time at the Trustee's discretion.  The Trustee shall have the right
to change the way monthly  distribution  statements are  distributed in order to
make such  distribution  more  convenient  and/or more  accessible  to the above
parties.  The Trustee shall be entitled to rely on but shall not be  responsible
for the  content or accuracy of any  information  provided by third  parties for
purposes  of  preparing  the  monthly  statement,  and  may  affix  thereto  any
disclaimer it deems appropriate in its reasonable discretion (without suggesting
liability on the part of any other party  hereto).  As a condition to access the
Trustee's website,  the Trustee may require registration and the acceptance of a
disclaimer.   Notwithstanding  anything  to  the  contrary  set  forth  in  this
Agreement,  the parties hereto acknowledge that in connection with the Trustee's
preparation  of the  foregoing  reports,  the Trustee  will rely solely upon the
information provided to it in the Remittance Reports.

      In the case of  information  furnished  pursuant to subclauses (i) through
(ii)  above,  the  amounts  shall be  expressed  as a dollar  amount  per Single
Certificate of the relevant Class.

      Within a reasonable  period of time after the end of each  calendar  year,
the Trustee shall furnish to the NIMS Insurer,  the Certificate Insurer and each
Person  who at any time  during  the  calendar  year was a Holder  of a  Regular
Certificate a statement  containing the  information set forth in subclauses (i)
through (iii) above,  aggregated  for such  calendar year or applicable  portion
thereof during which such person was a Certificateholder. Such obligation of the
Trustee shall be deemed to have been satisfied to the extent that  substantially
comparable  information  shall  be  provided  by  the  Trustee  pursuant  to any
requirements of the Code as from time to time are in force.

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      Within a reasonable  period of time after the end of each  calendar  year,
the Trustee shall furnish to the NIMS Insurer,  the Certificate Insurer and each
Person  who at any time  during  the  calendar  year was a Holder of a  Residual
Certificate a statement setting forth the amount,  if any, actually  distributed
with respect to the Residual Certificates,  as appropriate,  aggregated for such
calendar  year or  applicable  portion  thereof  during  which such Person was a
Certificateholder.  Such  obligation of the Trustee shall be deemed to have been
satisfied  to the extent  that  substantially  comparable  information  shall be
prepared by the Trustee and furnished to such Holders  pursuant to the rules and
regulations of the Code as are in force from time to time.

      The   Trustee   shall,    upon   written   request,    furnish   to   each
Certificateholder,  Certificate  Owner,  the  Certificate  Insurer  and the NIMS
Insurer,  during the term of this Agreement,  such periodic,  special,  or other
reports  or  information,  whether  or not  provided  for  herein,  as  shall be
reasonable with respect to the  Certificateholder,  or otherwise with respect to
the purposes of this  Agreement,  all such reports or information to be provided
at the expense of the  Certificateholder or Certificate Owner in accordance with
such   reasonable   and   explicit    instructions   and   directions   as   the
Certificateholder or Certificate Owner may provide. For purposes of this Section
4.02, the Trustee's  duties are limited to the extent that the Trustee  receives
timely reports as required from the Master Servicer.

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

      SECTION  4.03.  Remittance  Reports  and  Other  Reports  to the  Trustee;
                      Advances; Payments in Respect of Prepayment Interest
                      Shortfalls.

      (a) On the Master  Servicer  Reporting  Date,  the Master  Servicer  shall
deliver to the  Trustee  (who shall  deliver to the  Certificate  Insurer to the
extent received),  Ameriquest  Mortgage Company and the NIMS Insurer by telecopy
(or by such other means as the Master Servicer, the Trustee, Ameriquest Mortgage
Company and the NIMS  Insurer may agree from time to time) a  Remittance  Report
with  respect to the related  Distribution  Date.  Such  Remittance  Report will
include (i) the amount of Advances to be made by the Master  Servicer in respect
of the related  Distribution Date, the aggregate amount of Advances  outstanding
after giving effect to such Advances, and the aggregate amount of Nonrecoverable
Advances in respect of such  Distribution  Date and (ii) such other  information
with  respect to the  Mortgage  Loans as the Trustee may  reasonably  require to
perform the  calculations  necessary to make the  distributions  contemplated by
Section 4.01 and to prepare the statements to Certificateholders contemplated by
Section 4.02. The Trustee shall not be responsible to recompute,  recalculate or
verify any information provided to it by the Master Servicer.

      Not later  than  fifteen  days after each  Distribution  Date,  the Master
Servicer  shall  forward to the Trustee  (who shall  deliver to the  Certificate
Insurer to the extent received), Ameriquest Mortgage Company, the NIMS Insurer a
statement  prepared  by the  Master  Servicer  setting  forth the  status of the
Collection  Account as of the close of  business on such  Distribution  Date and
showing,  for the period  covered by such  statement  information  regarding the
Collection

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Account  that is  mutually  agreed upon by the Master  Servicer  and the Seller.
Copies  of  such   statement   shall  be   provided   by  the   Trustee  to  any
Certificateholder  and to any Person  identified to the Trustee as a prospective
transferee  of a  Certificate,  upon  request at the  expense of the  requesting
party,  provided  such  statement  is  delivered  by the Master  Servicer to the
Trustee.

      (b) The  amount of  Advances  to be made by the  Master  Servicer  for any
Distribution  Date shall equal,  subject to Section 4.03(d),  the sum of (i) the
aggregate  amount of Monthly Payments (with each interest portion thereof net of
the  related  Servicing  Fee),  due on the  related  Due Date in  respect of the
Mortgage  Loans,  which  Monthly  Payments  were  delinquent  as of the close of
business on the  related  Determination  Date and (ii) with  respect to each REO
Property,  which  REO  Property  was  acquired  during  or prior to the  related
Prepayment  Period and as to which such REO Property an REO  Disposition did not
occur during the related  Prepayment  Period,  an amount equal to the excess, if
any, of the Monthly  Payments  (with each  interest  portion  thereof net of the
related  Servicing  Fee) that  would  have been due on the  related  Due Date in
respect  of the  related  Mortgage  Loans,  over the net  income  from  such REO
Property  transferred to the  Distribution  Account pursuant to Section 3.13 for
distribution on such Distribution Date.

      On or before  1:00 p.m.  New York time on the Master  Servicer  Remittance
Date,  the Master  Servicer shall remit in  immediately  available  funds to the
Trustee for deposit in the Distribution Account an amount equal to the aggregate
amount of Advances,  if any, to be made in respect of the Mortgage Loans and REO
Properties for the related Distribution Date either (i) from its own funds, (ii)
from the  Collection  Account,  to the extent of funds held  therein  for future
distribution  (in which case, it shall cause to be made an appropriate  entry in
the records of the Collection Account that amounts held for future  distribution
have been,  as permitted by this Section  4.03,  used by the Master  Servicer in
discharge of any such  Advance) or (iii) in the form of any  combination  of (i)
and (ii)  aggregating  the total  amount of  Advances  to be made by the  Master
Servicer with respect to the Mortgage Loans and REO Properties. Any amounts held
for  future  distribution  used by the  Master  Servicer  to make an  Advance as
permitted  in the  preceding  sentence or  withdrawn  by the Master  Servicer as
permitted in Section  3.05(a)(vii) in reimbursement of Advances  previously made
shall be appropriately  reflected in the Master Servicer's  records and replaced
by the Master  Servicer  by deposit in the  Collection  Account on or before any
future Master  Servicer  Remittance  Date to the extent that the Available Funds
for the related  Distribution Date (determined  without regard to Advances to be
made on the Master Servicer Remittance Date) shall be less than the total amount
that would be  distributed  to the  Classes of  Certificateholders  pursuant  to
Section  4.01  on  such  Distribution  Date  if such  amounts  held  for  future
distributions  had not been so used to make Advances.  The Trustee shall provide
notice to the Master  Servicer,  the Certificate  Insurer,  Ameriquest  Mortgage
Company and the NIMS  Insurer by telecopy by the close of business on any Master
Servicer  Remittance  Date in the event that the amount  remitted  by the Master
Servicer  to the Trustee on such date is less than the  Advances  required to be
made by the Master Servicer for the related Distribution Date.

      (c) The  obligation  of the  Master  Servicer  to make  such  Advances  is
mandatory,  notwithstanding any other provision of this Agreement but subject to
(d)  below,  and,  with  respect to any  Mortgage  Loan or REO  Property,  shall
continue until a Final  Recovery  Determination  in connection  therewith or the
removal  thereof  from  REMIC I pursuant  to any  applicable  provision  of this
Agreement, except as otherwise provided in this Section.

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      (d)  Notwithstanding  anything  herein  to the  contrary,  no  Advance  or
Servicing  Advance shall be required to be made hereunder by the Master Servicer
if such Advance or Servicing Advance would, if made, constitute a Nonrecoverable
Advance or  Nonrecoverable  Servicing  Advance.  The determination by the Master
Servicer that it has made a Nonrecoverable Advance or a Nonrecoverable Servicing
Advance  or that any  proposed  Advance or  Servicing  Advance,  if made,  would
constitute  a  Nonrecoverable  Advance  or  Nonrecoverable   Servicing  Advance,
respectively,  shall be  evidenced  by an  Officers'  Certificate  of the Master
Servicer delivered to the Trustee, the Certificate Insurer and the NIMS Insurer.

      (e) The Master  Servicer shall deliver to the Trustee for deposit into the
Distribution Account on or before 1:00 p.m. New York time on the Master Servicer
Remittance Date from its own funds an amount ("Compensating  Interest") equal to
the lesser of (i) the aggregate of the  Prepayment  Interest  Shortfalls for the
related Distribution Date resulting solely from Principal Prepayments during the
related Prepayment Period and (ii) the amount of its aggregate Servicing Fee for
the most recently ended calendar  month.  The Master Servicer shall not have the
right to  reimbursement  for any  amounts  remitted to the Trustee in respect of
Prepayment  Interest  Shortfalls.  Such amounts so remitted shall be included in
the Available Funds and distributed therewith on the next Distribution Date. The
Master Servicer shall not be obligated to pay any amounts with respect to Relief
Act Interest Shortfalls.

      SECTION 4.04. Allocation of Realized Losses.

      (a) On or before  each  Determination  Date,  the  Master  Servicer  shall
determine as to each  Mortgage  Loan and REO  Property:  (i) the total amount of
Realized  Losses,  if any,  incurred  in  connection  with  any  Final  Recovery
Determinations  made during the related Prepayment Period;  (ii) whether and the
extent to which such Realized Losses  constituted  Bankruptcy  Losses; and (iii)
the  respective  portions of such  Realized  Losses  allocable  to interest  and
allocable  to  principal.  On or before  each  Determination  Date,  the  Master
Servicer  shall also determine as to each Mortgage Loan: (A) the total amount of
Realized Losses,  if any,  incurred in connection with any Deficient  Valuations
made during the related  Prepayment Period; and (B) the total amount of Realized
Losses, if any,  incurred in connection with Debt Service  Reductions in respect
of Monthly Payments due during the related Due Period. The information described
in the two  preceding  sentences  that is to be supplied by the Master  Servicer
shall be  evidenced by an  Officers'  Certificate  delivered to the Trustee (who
shall forward a copy to the Certificate  Insurer to the extent  received) by the
Master Servicer on the Master Servicer Reporting Date immediately  following the
end of (x) in the case of  Bankruptcy  Losses  allocable  to  interest,  the Due
Period during which any such Realized Loss was incurred,  and (y) in the case of
all other Realized Losses,  the Prepayment Period during which any such Realized
Loss was incurred.

      (b) All Realized  Losses on the  Mortgage  Loans shall be allocated by the
Trustee on each  Distribution  Date as follows:  FIRST, in reduction of interest
accrued  on and  otherwise  distributable  to the Class CE  Certificates  to the
extent of Net  Monthly  Excess  Cashflow  used to pay  principal  on the Class A
Certificates and the Mezzanine  Certificates under clause (i) under Section 4.01
hereof; SECOND, in reduction of interest accrued on and otherwise  distributable
to the Class CE  Certificates  to the  extent  of Net  Monthly  Excess  Cashflow
available  for  distribution  pursuant to clauses  (ii)  through (vi) of Section
4.01(a)(4) hereof; and THIRD, in reduction of the Certificate  Principal Balance
of the Class CE Certificates (determined after

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taking  into  account  all  distributions  made  on  the  Certificates  on  such
Distribution  Date),  until the Certificate  Principal  Balance thereof has been
reduced to zero. If on any Distribution  Date, after all  distributions are made
by the Trustee  pursuant  to Section  4.01  hereof,  the  aggregate  Certificate
Principal  Balance of the Class A Certificates,  the Mezzanine  Certificates and
the Class P certificates  exceeds the sum of the Stated Principal Balance of the
Mortgage  Loans as of the last day of the related Due Period  (after taking into
account  prepayments during the related Prepayment  Period),  the amount of such
excess shall be  allocated:  FIRST,  to the Class M-10  Certificates,  until the
Certificate  Principal Balance thereof has been reduced to zero;  SECOND, to the
Class M-9 Certificates, until the Certificate Principal Balance thereof has been
reduced to zero;  THIRD,  to the Class M-8  Certificates,  until the Certificate
Principal  Balance  thereof has been reduced to zero;  FOURTH,  to the Class M-7
Certificates,  until the Certificate  Principal Balance thereof has been reduced
to zero; FIFTH, to the Class M-6 Certificates,  until the Certificate  Principal
Balance thereof has been reduced to zero;  SIXTH, to the Class M-5 Certificates,
until the  Certificate  Principal  Balance  thereof  has been  reduced  to zero;
SEVENTH, to the Class M-4 Certificates,  until the Certificate Principal Balance
thereof has been reduced to zero,  EIGHTH, to the Class M-3 Certificates,  until
the Certificate  Principal  Balance thereof has been reduced to zero,  NINTH, to
the Class M-2 Certificates,  until the Certificate Principal Balance thereof has
been  reduced  to zero and  TENTH,  to the  Class  M-1  Certificates,  until the
Certificate Principal Balance thereof has been reduced to zero.

      Any  such   allocation  to  a  Class  of  Mezzanine   Certificate  on  any
Distribution  Date shall be made by reducing the Certificate  Principal  Balance
thereof (after the actual  distributions  to be made on such  Distribution  Date
pursuant to Section 4.01 hereof) by the amount so allocated;  any  allocation of
Realized  Losses to a Class CE Certificate  shall be made by reducing the amount
otherwise  payable in respect  thereof  pursuant  to Section  4.01(a)(4)(V).  No
allocations of any Realized  Losses shall be made to the  Certificate  Principal
Balances of the Class A Certificates or the Class P Certificates.

      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.  All  Realized  Losses  and all  other  losses  allocated  to a  Class  of
Certificates  hereunder shall be allocated among the  Certificates of such Class
in proportion to the Percentage Interests evidenced thereby.

      (c) (i) The  REMIC I  Marker  Percentage  of all  Realized  Losses  on the
Mortgage  Loans shall be allocated by the Trustee on each  Distribution  Date to
the  following  REMIC I  Regular  Interests  in the  specified  percentages,  as
follows:  FIRST,  to  Uncertificated  Interest  payable  to the  REMIC I Regular
Interest I-LTAA and REMIC I Regular  Interest  I-LTZZ up to an aggregate  amount
equal to the REMIC I Interest Loss Allocation Amount, 98% and 2%,  respectively;
SECOND,  to the  Uncertificated  Balances of the REMIC I Regular Interest I-LTAA
and REMIC I Regular Interest I-LTZZ up to an aggregate amount equal to the REMIC
I Principal Loss  Allocation  Amount,  98% and 2%,  respectively;  THIRD, to the
Uncertificated  Balances  of REMIC I Regular  Interest  I-LTAA,  REMIC I Regular
Interest  I-LTM10  and  REMIC  I  Regular  Interest  I-LTZZ,  98%,  1%  and  1%,
respectively,  until the  Uncertificated  Balance  of REMIC I  Regular  Interest
I-LTM10 has been reduced to zero; FOURTH, to the Uncertificated

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Balances of REMIC I Regular Interest I-LTAA, REMIC I Regular Interest I-LTM9 and
REMIC I  Regular  Interest  I-LTZZ,  98%,  1% and 1%,  respectively,  until  the
Uncertificated  Balance of REMIC I Regular  Interest  I-LTM9 has been reduced to
zero; FIFTH, to the Uncertificated  Balances of REMIC I Regular Interest I-LTAA,
REMIC I Regular Interest I-LTM8 and REMIC I Regular Interest I-LTZZ, 98%, 1% and
1%, respectively,  until the Uncertificated  Balance of REMIC I Regular Interest
I-LTM8 has been reduced to zero; SIXTH, to the Uncertificated  Balances of REMIC
I Regular Interest  I-LTAA,  REMIC I Regular Interest I-LTM7 and REMIC I Regular
Interest I-LTZZ, 98%, 1% and 1%, respectively,  until the Uncertificated Balance
of REMIC I Regular  Interest  I-LTM7 has been reduced to zero;  SEVENTH,  to the
Uncertificated  Balances  of REMIC I Regular  Interest  I-LTAA,  REMIC I Regular
Interest  I-LTM6  and  REMIC  I  Regular  Interest  I-LTZZ,   98%,  1%  and  1%,
respectively,  until the  Uncertificated  Balance  of REMIC I  Regular  Interest
I-LTM6 has been reduced to zero; EIGHTH, to the Uncertificated Balances of REMIC
I Regular Interest  I-LTAA,  REMIC I Regular Interest I-LTM5 and REMIC I Regular
Interest I-LTZZ, 98%, 1% and 1%, respectively,  until the Uncertificated Balance
of REMIC I Regular  Interest  I-LTM5  has been  reduced to zero;  ninth,  to the
Uncertificated  Balances  of REMIC I Regular  Interest  I-LTAA,  REMIC I Regular
Interest  I-LTM4  and  REMIC  I  Regular  Interest  I-LTZZ,   98%,  1%  and  1%,
respectively,  until the  Uncertificated  Balance  of REMIC I  Regular  Interest
I-LTM4 has been reduced to zero; TENTH, to the Uncertificated  Balances of REMIC
I Regular Interest  I-LTAA,  REMIC I Regular Interest I-LTM3 and REMIC I Regular
Interest I-LTZZ, 98%, 1% and 1%, respectively,  until the Uncertificated Balance
of REMIC I Regular  Interest I-LTM3 has been reduced to zero;  ELEVENTH,  to the
Uncertificated  Balances  of REMIC I Regular  Interest  I-LTAA,  REMIC I Regular
Interest  I-LTM2  and  REMIC  I  Regular  Interest  I-LTZZ,   98%,  1%  and  1%,
respectively,  until the  Uncertificated  Balance  of REMIC I  Regular  Interest
I-LTM2 has been reduced to zero; and TWELFTH, to the Uncertificated  Balances of
REMIC I Regular  Interest  I-LTAA,  REMIC I Regular  Interest I-LTM1 and REMIC I
Regular Interest I-LTZZ, 98%, 1% and 1%, respectively,  until the Uncertificated
Balance of REMIC I Regular Interest I-LTM1 has been reduced to zero.

            (ii)  The  REMIC I Sub WAC  Allocation  Percentage  of all  Realized
      Losses  shall be applied  after all  distributions  have been made on each
      Distribution Date: FIRST, so as to keep the Uncertificated Balance of each
      REMIC I Regular Interest ending with the designation  "GRP" equal to 0.01%
      of the aggregate  Stated  Principal  Balance of the Mortgage  Loans in the
      related Loan Group;  SECOND,  to each REMIC I Regular Interest ending with
      the  designation  "SUB," so that the  Uncertificated  Balance of each such
      REMIC I  Regular  Interest  is equal to  0.01%  of the  excess  of (x) the
      aggregate  Stated  Principal  Balance of the Mortgage Loans in the related
      Loan Group over (y) the current Certificate Principal Balance of the Class
      A Certificate in the related Loan Group (except that if any such excess is
      a larger  number  than in the  preceding  distribution  period,  the least
      amount  of  Realized  Losses  shall be  applied  to such  REMIC I  Regular
      Interests such that the REMIC I Subordinated Balance Ratio is maintained);
      and THIRD,  any  remaining  Realized  Losses shall be allocated to REMIC I
      Regular Interest I-LTXX.

      SECTION 4.05. Compliance with Withholding Requirements.

      Notwithstanding  any other provision of this Agreement,  the Trustee shall
comply  with  all  federal  withholding   requirements  respecting  payments  to
Certificateholders  of  interest  or original  issue  discount  that the Trustee
reasonably believes are applicable under the Code. The

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consent of Certificateholders shall not be required for such withholding. In the
event the  Trustee  does  withhold  any amount from  interest or original  issue
discount  payments  or  advances  thereof to any  Certificateholder  pursuant to
federal withholding requirements, the Trustee shall indicate the amount withheld
to such Certificateholders.

      SECTION 4.06. Commission Reporting.

      (a)  The  Trustee  shall  reasonably   cooperate  with  the  Depositor  in
connection  with the Trust's  satisfying  the reporting  requirements  under the
Securities  Exchange Act of 1934, as amended (the "Exchange  Act").  The Trustee
shall prepare on behalf of the Trust any Forms 8-K and 10-K (or other comparable
required form containing the same or comparable information or other information
mutually  agreed  upon)  customary  for  similar  securities  as required by the
Exchange Act and the Rules and Regulations of the Commission thereunder, and the
Depositor shall sign (or shall cause another entity acceptable to the Commission
to sign) and the  Trustee  shall  file  (via the  Commission's  Electronic  Data
Gathering and  Retrieval  System) such forms on behalf of the Depositor (or such
other  entity).  The  Depositor  hereby grants to the Trustee a limited power of
attorney  to execute  any Form 8-K and file each such  document on behalf of the
Depositor.  Such  power of  attorney  shall  continue  until the  earlier of (i)
receipt by the Trustee from the Depositor of written  termination  of such power
of attorney  and (ii) the  termination  of the Trust.  Notwithstanding  anything
herein to the contrary, the Depositor, and not the Trustee, shall be responsible
for executing each Form 10-K filed on behalf of the Trust.

      (b) Each Form 8-K shall be filed by the Trustee  within 15 days after each
Distribution  Date, with a copy of the statement to the  Certificateholders  for
such Distribution  Date as an exhibit thereto.  Prior to March 30th of each year
(or such  earlier  date as may be required by the Exchange Act and the Rules and
Regulations of the Commission), the Trustee shall file a Form 10-K, in substance
as required by applicable law or applicable Commission staff's  interpretations.
Such Form 10-K shall include as exhibits the Master  Servicer's annual statement
of compliance described under Section 3.19 and the accountant's report described
under Section  3.20, in each case to the extent they have been timely  delivered
to the Trustee.  If they are not so timely delivered,  the Trustee shall file an
amended Form 10-K including such documents as exhibits reasonably promptly after
they are  delivered to the  Trustee.  The Trustee  shall have no liability  with
respect  to any  failure  to  properly  prepare  or file such  periodic  reports
resulting  from or relating to the Trustee's  inability or failure to obtain any
information  not resulting  from its own negligence or willful  misconduct.  The
Form 10-K shall also  include a  certification  in the form  attached  hereto as
Exhibit J-1 (the  "Certification"),  which shall be signed by the senior officer
of the Depositor in charge of securitization.

      (c) In addition,  (x) the Trustee shall sign a certification  (in the form
attached  hereto  as  Exhibit  J-2) for the  benefit  of the  Depositor  and its
officers,  directors and Affiliates regarding certain aspects of items 1 through
3 of the Certification (the "Trustee's Certification") (provided,  however, that
the Trustee shall not undertake an analysis of the accountant's  report attached
as an  exhibit  to the Form  10-K)  and (y) the  Master  Servicer  shall  sign a
certification  (in the form  attached  hereto as Exhibit J-3) for the benefit of
the  Depositor,  the  Trustee  and  their  officers,  directors  and  Affiliates
regarding   certain  aspects  of  the   Certification   (the  "Master   Servicer
Certification").  The Master  Servicer  Certification  shall be delivered to the
Depositor  and the Trustee no later than March 15th of each year (or if such day
is not a Business Day, the

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immediately  preceding  Business  Day).  The  Trustee's  Certification  shall be
delivered to the  Depositor by no later than March 18th of each year (or if such
day is not a Business  Day,  the  immediately  preceding  Business  Day) and the
Depositor  shall  deliver the  Certification  to the Trustee for filing no later
than  March  20th of  each  year  (or if such  day is not a  Business  Day,  the
immediately preceding Business Day).

      In addition,  the Trustee shall  indemnify and hold harmless the Depositor
and its officers, directors and Affiliates from and against any losses, damages,
penalties,  fines, forfeitures,  reasonable and necessary legal fees and related
costs,  judgments  and other costs and  expenses  arising out of or based upon a
breach of the  Trustee's  obligations  under this Section 4.06 or the  Trustee's
negligence,  bad  faith or  willful  misconduct  in  connection  therewith.  The
Depositor  shall  indemnify  and hold  harmless  the Trustee  and its  officers,
directors and Affiliates from and against any losses, damages, penalties, fines,
forfeitures,  reasonable and necessary  legal fees and related costs,  judgments
and  other  costs  and  expenses  arising  out of or based  upon a breach of the
Depositor's  obligations under this Section 4.06 or the Depositor's  negligence,
bad faith or willful misconduct in connection therewith.  If the indemnification
provided  for  herein  is  unavailable  or  insufficient  to hold  harmless  the
Depositor or the Trustee,  as  applicable,  then the other party,  in connection
with a breach of its  respective  obligations  under  this  Section  4.06 or its
respective negligence,  bad faith or willful misconduct in connection therewith,
agrees that it shall contribute to the amount paid or payable by the other party
as a result of the losses,  claims, damages or liabilities of the other party in
such proportion as is appropriate to reflect the relative fault of the Depositor
on the one hand and the Trustee on the other.

      (d) Upon any  filing  with the  Commission,  the  Trustee  shall  promptly
deliver to the  Depositor  and the  Certificate  Insurer a copy of any  executed
report, statement or information.

      (e) Prior to January  30th of the first year in which the  Trustee is able
to do so under  applicable  law,  the  Trustee  shall file a Form 15  Suspension
Notification with respect to the Trust.

      (f)  To the  extent  that,  following  the  Closing  Date,  the  Depositor
certifies  that reports and  certifications  differing from those required under
this Section 4.06 comply with the reporting requirements under the Exchange Act,
the  Trustee  hereby  agrees  that it shall  reasonably  cooperate  to amend the
provisions of this Section 4.06 (in  accordance  with Section 11.01) in order to
comply with such  amended  reporting  requirements  and such  amendment  of this
Section  4.06.  Any such  amendment  may result in the  reduction of the reports
filed by the Depositor  under the Exchange Act.  Notwithstanding  the foregoing,
the Trustee shall not be obligated to enter into any amendment  pursuant to this
Section  that  adversely  affects  its  obligations  and  immunities  under this
Agreement.

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      SECTION 4.07. [Reserved].

      SECTION 4.08. [Reserved].

      SECTION 4.09. [Reserved].

      SECTION 4.10. Net WAC Rate Carryover Reserve Account.

      (a) No later than the  Closing  Date,  the  Trustee  shall  establish  and
maintain with itself,  as agent for the Trustee,  a separate,  segregated  trust
account titled, "Net WAC Rate Carryover Reserve Account, Wells Fargo Bank, N.A.,
as Trustee,  in trust for the registered  Holders of Park Place Securities Inc.,
Asset-Backed  Pass-Through  Certificates,  Series  2004-WHQ1." The Trustee shall
deposit into the Net WAC Rate Carryover Reserve Account any payments received by
it  (i)  under  the  Cap  Contracts  for  the  benefit  of  the  Holders  of the
Adjustable-Rate Certificates and (ii) pursuant to Section 4.01(a)(4)(iv).

      (b) On  each  Distribution  Date  as to  which  there  is a Net  WAC  Rate
Carryover   Amount  payable  to  the  Class  A  Certificates  or  the  Mezzanine
Certificates,  the Trustee has been directed by the Class CE  Certificateholders
to, and therefore shall, deposit into the Net WAC Rate Carryover Reserve Account
the amount of such Net WAC Rate  Carryover  Amount,  after  taking into  account
amounts received under the Cap Contracts,  rather than distributing such amounts
to the Class CE Certificateholders.  On each such Distribution Date, the Trustee
shall  hold all such  amounts  for the  benefit  of the  Holders  of the Class A
Certificates and the Mezzanine  Certificates,  and shall distribute such amounts
to the Holders of the Class A Certificates and the Mezzanine Certificates in the
amounts and priorities set forth in Section 4.01(b).

      (c)  For   federal   and  state   income  tax   purposes,   the  Class  CE
Certificateholders  shall  be  deemed  to be the  owners  of the  Net  WAC  Rate
Carryover  Reserve  Account  and all  amounts  deposited  into  the Net WAC Rate
Carryover Reserve Account shall be treated as amounts distributed by REMIC II to
the  Holders  of the Class CE  Interest  and by REMIC III to the  Holders of the
Class CE Certificates. Upon the termination of the Trust, or the payment in full
of the  Class  A  Certificates  and  the  Mezzanine  Certificates,  all  amounts
remaining  on deposit in the Net WAC Rate  Carryover  Reserve  Account  shall be
released  by the Trust and  distributed  to the Class CE  Certificateholders  or
their designees. The Net WAC Rate Carryover Reserve Account shall be part of the
Trust but not part of any REMIC and any  payments  to the Holders of the Class A
Certificates  or the Mezzanine  Certificates  of Net WAC Rate Carryover  Amounts
shall not be payments with respect to a "regular interest" in a REMIC within the
meaning of Code Section 860(G)(a)(1).

      (d) By accepting a Class CE Certificate,  each Class CE  Certificateholder
hereby  agrees to direct the Trustee,  and the Trustee  hereby is  directed,  to
deposit into the Net WAC Rate Carryover  Reserve  Account the amounts  described
above on each  Distribution Date as to which there is any Net WAC Rate Carryover
Amount rather than distributing such amounts to the Class CE Certificateholders.
By accepting a Class CE  Certificate,  each Class CE  Certificateholder  further
agrees that such  direction  is given for good and valuable  consideration,  the
receipt and sufficiency of which is acknowledged by such acceptance.

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<PAGE>

      (e) At the written  direction  of the Holders of a majority in  Percentage
Interest in the Class CE  Certificates,  the Trustee shall direct any depository
institution maintaining the Net WAC Rate Carryover Reserve Account to invest the
funds in such account in one or more Permitted  Investments  bearing interest or
sold at a discount,  and maturing,  unless payable on demand,  (i) no later than
the Business Day immediately preceding the date on which such funds are required
to be withdrawn from such account pursuant to this Agreement,  if a Person other
than the Trustee or an Affiliate manages or advises such investment, and (ii) no
later than the date on which such funds are required to be  withdrawn  from such
account  pursuant to this Agreement,  if the Trustee or an Affiliate  manages or
advises such investment. If no investment direction of the Holders of a majority
in Percentage  Interest in the Class CE Certificates with respect to the Net WAC
Rate  Carryover  Reserve  Account is received by the Trustee,  the Trustee shall
invest  the  funds  pursuant  to  clause  (vi) of the  definition  of  Permitted
Investments.  Interest earned on such investment shall be deposited into the Net
WAC Rate Carryover Reserve Account.

      (f) For federal  tax return and  information  reporting,  the right of the
Holders of the Class A-1  Certificates,  Group II Certificates and the Mezzanine
Certificates to receive payments from the Net WAC Rate Carryover Reserve Account
in respect of any Net WAC Rate Carryover  Amount will be $332,994,  $164,481 and
$500,525, respectively.

      SECTION 4.11. The Certificate Insurance Policy.

      (a) The Trustee  shall  establish a separate  non-interest  bearing  trust
account  which  shall be an  Eligible  Account for the benefit of Holders of the
Class A-1  Certificates  and the Certificate  Insurer  referred to herein as the
"Policy Payment Account" over which the Trustee shall have exclusive control and
sole right of withdrawal. The Trustee shall deposit upon receipt any amount paid
under  the  Certificate  Insurance  Policy in the  Policy  Payment  Account  and
distribute such amount only for purposes of payment to the Insured  Certificates
of the  Policy  Payment  for which a claim was made and such  amount  may not be
applied to satisfy any costs,  expenses or liabilities  of the Master  Servicer,
the Trustee or the Trust Fund or to pay any other Class of Certificates. Amounts
paid under the  Certificate  Insurance  Policy,  to the extent needed to pay any
Class  A-1  Certificate   Deficiency   Amount,   shall  be  transferred  to  the
Distribution  Account on the related  Distribution Date, and the portion thereof
representing the Class A-1 Certificate  Deficiency  Amount shall be disbursed by
the  Trustee to the Class A-1  Certificateholders,  in each case as if it were a
distribution  to the Holders of such  Certificates  pursuant to Section 4.01. 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 other  distributions  to
the Class A-1 Certificateholders,  as applicable,  with other funds available to
make such  payment.  However,  the  amount of any  payment  of  principal  or of
interest on the Insured  Certificates to be paid from funds transferred from the
Policy Payment  Account shall be noted as provided in paragraph (d) below and in
the statement to be furnished to Holders of such Class of Certificates  pursuant
to Section 4.02. Funds held in the Policy Payment Account shall not be invested.
Any funds  remaining  in the Policy  Payment  Account on the first  Business Day
following  a  Distribution  Date shall be returned  to the  Certificate  Insurer
pursuant to the written  instructions of the  Certificate  Insurer by the end of
such Business Day.

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      (b) If the Trustee has determined that a Class A-1 Certificate  Deficiency
Amount is  required  to be paid  under the  Certificate  Insurance  Policy  with
respect to such  Distribution  Date,  it shall deliver a Notice of Claim (in the
form  attached  as  Exhibit  A to  the  Certificate  Insurance  Policy)  to  the
Certificate  Insurer no later than noon,  New York,  New York time on the second
Business Day preceding such  Distribution  Date and shall provide a copy thereof
to the Master  Servicer at or prior to the time such Notice of Claim is received
by the  Certificate  Insurer.  The  Notice  of Claim  shall  constitute  a claim
therefor pursuant to the Certificate Insurance Policy.

      (c)  If  the  Trustee  receives  a  certified  copy  of an  order  of  the
appropriate  court (an "Order") that any prior  distribution made on the Insured
Certificates  constitutes  an Avoided  Payment,  the Trustee shall so notify the
Certificate  Insurer,  shall  comply  with  the  provisions  of the  Certificate
Insurance  Policy to obtain payment by the  Certificate  Insurer of such Avoided
Payment and shall, at the time it provides  notice to the  Certificate  Insurer,
notify each holder of the affected Insured Certificates by mail that (i) subject
to the terms of the Certificate  Insurance Policy, the Certificate  Insurer will
disburse   the  Avoided   Payment   directly  to  the   receiver,   conservator,
debtor-in-possession  or trustee in bankruptcy  named in the Order on the fourth
Business Day following such  Certificateholder's  making timely  delivery to the
Trustee of (a) a certificate of such  Certificateholder that such Order has been
entered and is not subject to any stay,  (b) an opinion of counsel  satisfactory
to the Certificate Insurer that such Order is final and is not subject to appeal
and (c) an assignment duly executed and delivered by such Certificateholder,  in
such from as is reasonably  required by the Certificate  Insurer and provided to
such Certificateholder by the Certificate Insurer,  irrevocably assigning to the
Certificate Insurer all rights and claims of such Certificateholder  relating to
or arising under the affected Insured  Certificates against the debtor that made
a payment of such Avoided  Payment,  or otherwise  with respect to such payment,
provided that if such documents are received after 10:00 a.m., New York time, on
such Business Day, they will be deemed to be received on the following  Business
Day,   and  (ii)  if  any  such   Avoided   Payment  is   recovered   from  such
Certificateholder  pursuant  to  such  Order,  such  Certificateholder  will  be
entitled to payment pursuant to the Certificate  Insurance Policy. A copy of the
Certificate   Insurance   Policy  shall  be  made  available  to  each  affected
Certificateholder  through the  Trustee,  and the Trustee  shall  furnish to the
Certificate  Insurer  or  its  fiscal  agent,  if  any,  a copy  of its  records
evidencing  the  payments  that have been made by the Trustee  and  subsequently
recovered  from  Certificateholders  and the dates on which such  payments  were
made.

      (d) The Trustee shall keep a complete and accurate record of the amount of
interest and principal paid in respect of any Insured  Certificates  from moneys
received under the Certificate  Insurance 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.

      (e) The Holders of the Insured  Certificates are not entitled to institute
proceedings directly against the Certificate Insurer. Each Holder of the Insured
Certificates,  by its purchase of Insured  Certificates  hereby  agrees that the
Certificate  Insurer may at any time during the  continuation  of any proceeding
relating  to an Avoided  Payment,  direct all matters  relating to such  Avoided
Payment on their behalf, including, without limitation, the direction of

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any appeal of any order relating to such preference claim and the posting of any
surety, supersedeas or performance bond pending any such appeal.

      (f) Any payments to the Certificate Insurer shall be made by wire transfer
of immediately  available funds to the following Federal Reserve Account (unless
and until the  Certificate  Insurer  notifies  the  Trustee  of a change in such
account information in writing):

                      Fleet Bank, N.A.
                      777 Main Street
                      Hartford, CT 06115-2001
                      ABA Number: 011900571
                      For the Account of: XL Capital Assurance Inc.
                      1221 Avenue of the Americas, 31st Floor
                      New York, NY 10020-1001
                      Account #: 942-783-5841
                      Reference: Policy Number CA01142A-PPSI 2004-WHQ1

      (g) The  Trustee  shall,  upon  retirement  of the  Insured  Certificates,
furnish  to the  Certificate  Insurer a notice of such  retirement,  and,  after
retirement  of the Insured  Certificates  and the  expiration of the term of the
Certificate Insurance Policy,  surrender the Certificate Insurance Policy to the
Certificate Insurer for cancellation.

      (h) The Trustee shall hold the  Certificate  Insurance  Policy in trust as
agent for the  Holders  of the Class A  Certificates  for the  purpose of making
claims thereon and  distributing the proceeds  thereof.  Neither the Certificate
Insurance Policy nor the amounts paid on the Certificate  Insurance Policy shall
constitute  part of the Trust Fund  created by this  Agreement.  Each  Holder of
Insured  Certificates,  by  accepting  its Insured  Certificates,  appoints  the
Trustee as attorney-in-fact  for the purpose of making claims on the Certificate
Insurance Policy.

      SECTION 4.12. Effect of Payments by the Certificate Insurer; Subrogation.

      Anything herein to the contrary notwithstanding,  any payment with respect
to  principal  of or  interest on the  Insured  Certificates  which is made with
moneys received pursuant to the terms of the Certificate  Insurance Policy shall
not be considered  payment of the Insured  Certificates from the Trust Fund. The
Depositor,  the Master Servicer and the Trustee acknowledge,  and each Holder by
its acceptance of an Insured  Certificate  agrees, that without the need for any
further action on the part of the Certificate Insurer, the Depositor, the Master
Servicer,  the  Trustee  or the  Certificate  Registrar  (a) to the  extent  the
Certificate  Insurer  makes  payments,  directly  or  indirectly,  on account of
principal  of or  interest on the  Insured  Certificates  to the Holders of such
Class of Certificates, the Certificate Insurer shall be fully subrogated to, and
each such Certificateholder, the Master Servicer 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 (in the manner
set  forth  in the  Insurance  Agreement)  from  the  Trust  Fund,  and  (b) the
Certificate  Insurer  shall be paid such  amounts  from the  sources  and in the
manner  provided  herein for the payment of such amounts and as provided in this
Agreement  until  full  reimbursement  of all  Policy  Payments  (together  with
interest  thereon at the Late Payment Rate from the date paid by the Certificate
Insurer until the date of reimbursement

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thereof).  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 of the
Insured Certificates as otherwise set forth herein.

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                                    ARTICLE V

                                THE CERTIFICATES

      SECTION 5.01. The Certificates.

      (a)  The   Certificates  in  the  aggregate  shall  represent  the  entire
beneficial  ownership  interest  in the  Mortgage  Loans  and all  other  assets
included in REMIC I. At the Closing Date,  the aggregate  Certificate  Principal
Balance of the Certificates  shall equal the aggregate Stated Principal  Balance
of the Mortgage Loans.

      The  Certificates  shall be  substantially  in the forms annexed hereto as
Exhibits A-1 through A-19. The  Certificates  of each Class shall be issuable in
registered form only, in  denominations  of authorized  Percentage  Interests as
described in the definition thereof. Each Certificate shall share ratably in all
rights of the related Class.

      Upon original issue, the  Certificates  shall be executed and delivered by
the Trustee and the Trustee shall cause the  Certificates to be authenticated by
the  Certificate  Registrar  to  or  upon  the  order  of  the  Depositor.   The
Certificates shall be executed and attested by manual or facsimile  signature on
behalf of the  Trustee by an  authorized  signatory.  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 Certificates 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
herein  executed by the  Certificate  Registrar  by manual  signature,  and such
certificate  of  authentication  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)  The  Class  A  Certificates  and  the  Mezzanine  Certificates  shall
initially be issued as one or more Certificates held by the Book-Entry Custodian
or, if appointed to hold such  Certificates as provided  below,  the Depository,
and  registered  in the name of the  Depository  or its nominee  and,  except as
provided below,  registration of such 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
Certificate  Owners shall hold their  respective  Ownership  Interests in and to
such  Certificates  through the  book-entry  facilities of the  Depository  and,
except as provided below, shall not be entitled to definitive,  fully registered
Certificates ("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 only transfer the Ownership
Interests 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 is hereby initially appointed as the
Book-Entry Custodian and hereby agrees to act as such in accordance herewith and
in accordance with the agreement that it has with the Depository  authorizing it
to act as such. The Book-Entry  Custodian may, and if it is

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no longer qualified to act as such, the Book-Entry Custodian shall,  appoint, by
a written  instrument  delivered  to the  Depositor,  the Master  Servicer,  the
Trustee (if the Trustee is not the Book-Entry  Custodian) and any other transfer
agent  (including  the  Depository  or  any  successor  Depository),  to  act as
Book-Entry  Custodian  under  such  conditions  as  the  predecessor  Book-Entry
Custodian and the Depository or any successor Depository may prescribe, provided
that the  predecessor  Book-Entry  Custodian shall not be relieved of any of its
duties or  responsibilities  by reason of any such appointment of other than the
Depository.  If the Trustee  resigns or is removed in accordance  with the terms
hereof,  if it so  elects,  the  Depository  shall  immediately  succeed  to its
predecessor's duties as Book-Entry Custodian. The Depositor shall have the right
to  inspect,  and to obtain  copies  of,  any  Certificates  held as  Book-Entry
Certificates by the Book-Entry Custodian.

      The Trustee,  the Master  Servicer and the  Depositor may for all purposes
(including the making of payments due on the Book-Entry  Certificates) deal with
the Depository as the authorized  representative of the Certificate  Owners with
respect to the Book-Entry Certificates for the purposes of exercising the rights
of Certificateholders  hereunder.  The rights of Certificate Owners with respect
to the 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
directions  from,  and  votes of,  the  Depository  as Holder of the  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 Depositor advises the Trustee in writing that the Depository
is no longer  willing or able to  properly  discharge  its  responsibilities  as
Depository,  and (B) the Depositor is unable to locate a qualified  successor or
(ii) after the  occurrence of a Master  Servicer  Event of Default,  Certificate
Owners  representing  in the  aggregate  not  less  than  51%  of the  Ownership
Interests  of  the  Book-Entry  Certificates  advise  the  Trustee  through  the
Depository, in writing, that the continuation of a book-entry system through the
Depository is no longer in the best  interests of the  Certificate  Owners,  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  Book-Entry  Custodian  or the  Depository,  as
applicable,  accompanied by  registration  instructions  from the Depository for
registration of transfer,  the Trustee shall issue the Definitive  Certificates.
Such Definitive Certificates shall be issued in minimum denominations of $25,000
($50,000 in the case of the Class M-10 Certificates), except that any beneficial
ownership  that was  represented  by a Book-Entry  Certificate in an amount less
than $25,000 immediately prior to the issuance of a Definitive Certificate shall
be issued in a minimum  denomination  equal to the  amount  represented  by such
Book-Entry  Certificate.  None of the  Depositor,  the  Master  Servicer  or the
Trustee shall be liable for any delay in the 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 Depository shall be deemed
to be imposed upon and performed by the Trustee,  to the extent  applicable with
respect to such  Definitive  Certificates,

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and the Trustee shall  recognize the Holders of the Definitive  Certificates  as
Certificateholders hereunder.

      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 for the Certificates 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 shall  initially  serve as Certificate  Registrar for the
purpose of registering  Certificates and transfers and exchanges of Certificates
as  herein  provided.  The  Certificate  Registrar  may  appoint,  by a  written
instrument delivered to the Master Servicer and the Depositor, any other bank or
trust  company to act as  Certificate  Registrar  under such  conditions  as the
predecessor  Certificate Registrar may prescribe,  provided that the predecessor
Certificate   Registrar   shall  not  be  relieved  of  any  of  its  duties  or
responsibilities  hereunder by reason of such appointment.  If the Trustee shall
at any  time  not be the  Certificate  Registrar,  the  Trustee  shall  have and
maintain  the right to  inspect  the  Certificate  Register  or to obtain a copy
thereof at all reasonable  times, and to rely conclusively upon a certificate of
the  Certificate  Registrar as to the  information  set forth in the Certificate
Register.

      (b) No transfer of any Class M-10 Certificate, Class CE Certificate, Class
P Certificate or Residual Certificate shall be made unless that transfer is made
pursuant to an effective  registration  statement  under the  Securities  Act of
1933,  as  amended  (the  "1933  Act"),   and  an  effective   registration   or
qualification   under  applicable  state  securities  laws,  or  is  made  in  a
transaction  that does not require such  registration or  qualification.  In the
event that such a transfer of a Class M-10  Certificate,  Class CE  Certificate,
Class P Certificate or Residual  Certificate is to be made without  registration
or qualification (other than in connection with the initial transfer of any such
Certificate by the Depositor to an affiliate of the Depositor),  the Trustee and
the Certificate Registrar shall each require receipt of: (i) if such transfer is
purportedly  being made in reliance  upon Rule 144A under the 1933 Act,  written
certifications  from the  Certificateholder  desiring to effect the transfer and
from such Certificateholder's prospective transferee, substantially in the forms
attached  hereto as  Exhibit  F-1;  and (ii) in all other  cases,  an Opinion of
Counsel  satisfactory  to it  that  such  transfer  may  be  made  without  such
registration (which Opinion of Counsel shall not be an expense of the Depositor,
the Trustee,  the Master Servicer,  in its capacity as such, or the Trust Fund),
together with copies of the written  certification(s)  of the  Certificateholder
desiring  to effect the  transfer  and/or such  Certificateholder's  prospective
transferee  upon which such  Opinion  of Counsel is based,  if any.  None of the
Depositor,  the Certificate Registrar or the Trustee is obligated to register or
qualify  the Class M-10  Certificates,  the Class CE  Certificates,  the Class P
Certificates  or the  Residual  Certificates  under  the 1933  Act or any  other
securities  laws or to  take  any  action  not  otherwise  required  under  this
Agreement to permit the transfer of such  Certificates  without  registration or
qualification.  If a  transfer  of an  Ownership  Interest  in  the  Class  M-10
Certificates is to be made without  registration  under the 1933 Act (other than
in connection  with the initial  issuance  thereof or a transfer  thereof by the
Depositor or one of its Affiliates), then the Certificate Registrar shall refuse
to register such transfer unless it receives (and upon receipt, may conclusively
rely upon) a  certificate  from the  Certificateholder  desiring  to effect such
transfer and a certificate from such Certificateholder's  prospective transferee
(which in the case of the Book-Entry Certificates, the

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Certificateholder  and the  Certificateholder's  prospective  transferee will be
deemed to have represented such certification),  to the effect that, among other
things, the transfer is being made to a qualified institutional buyer as defined
in Rule  144A  under the  Securities  Act in  accordance  with  Rule  144A.  Any
Certificateholder  desiring to effect the transfer of a Class M-10  Certificate,
Class CE Certificate,  Class P Certificate or Residual  Certificate  shall,  and
does hereby agree to,  indemnify the Trustee,  the  Depositor,  the  Certificate
Registrar and the Master  Servicer  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.

      Notwithstanding  the  foregoing,  no  certification  or Opinion of Counsel
described  in this  Section  5.02(b)  shall be required in  connection  with the
transfer, on the Closing Date, of any Class R Certificate by the Depositor to an
"accredited investor" within the meaning of Rule 501(d) of the 1933 Act.

      (c) No transfer of a Class M-10 Certificate, Class CE Certificate, Class P
Certificate or Residual Certificate or any interest therein shall be made to any
Plan subject to ERISA or Section 4975 of the Code, any Person  acting,  directly
or  indirectly,  on  behalf  of any  such  Plan  or any  Person  acquiring  such
Certificates  with "Plan Assets" of a Plan within the meaning of the  Department
of Labor regulation  promulgated at 29 C.F.R. ss. 2510.3-101 ("Plan Assets"), as
certified  by such  transferee  in the form of Exhibit G, unless  either (i) the
Trustee is  provided  with an Opinion  of Counsel  for the  benefit of the Trust
Fund, the Depositor,  the Trustee, the NIMS Insurer, the Certificate Insurer and
the Master  Servicer  and on which they may rely,  which  shall be to the effect
that  the  purchase  and  holding  of such  Certificates  is  permissible  under
applicable  law,  will not  constitute  or result in any  non-exempt  prohibited
transaction  under  ERISA or Section  4975 of the Code and will not  subject the
Depositor,  the Master Servicer,  the NIMS Insurer, the Certificate Insurer, the
Trustee or the Trust Fund 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  Depositor,  the  Master  Servicer,  the NIMS  Insurer,  the  Certificate
Insurer,  the  Trustee or the Trust Fund or (ii) solely in the case of the Class
M-10  Certificates,  the Trustee  receives a certification  from the prospective
transferee in the form of Exhibit G that the Class M-10  Certificates  have been
offered  in an  underwriting  or  placement  within the  meaning  of  Prohibited
Transaction Exemption 2002-41, as amended ("PTE 2002-41"). Neither an Opinion of
Counsel nor any  certification  will be required in connection  with the initial
transfer  of any  such  Certificate  by the  Depositor  to an  affiliate  of the
Depositor  (in which case,  the  Depositor or any  affiliate  thereof shall have
deemed  to have  represented  that  such  affiliate  is not a Plan  or a  Person
investing  Plan Assets) and the Trustee shall be entitled to  conclusively  rely
upon a  representation  (which,  upon the  request  of the  Trustee,  shall be a
written  representation)  from the Depositor of the status of such transferee as
an affiliate of the Depositor.

      Each  beneficial  owner  of the  Mezzanine  Certificates  or any  interest
therein shall be deemed to have  represented,  by virtue of its  acquisition  or
holding of that  Certificate  or interest  therein,  that either (i) it is not a
Plan or acting, directly or indirectly, on behalf of a Plan or with Plan Assets,
(ii) for Mezzanine  Certificates other than the Class M-10 Certificates  (unless
the Trustee has  received  the  certification  referred to in clause (ii) of the
preceding paragraph in which case it shall apply to the Class M-10 Certificates)
it has acquired and is holding such Mezzanine Certificates (other than the Class
M-10  Certificates)  in reliance  on the  Underwriters'  Exemption,  and that it
understands  that  there  are  certain  conditions  to the  availability  of the
Underwriters'

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Exemption,   including  that  the  Certificates   (other  than  the  Class  M-10
Certificates) must be rated, at the time of purchase,  not lower than "BBB-" (or
its  equivalent)  by  Moody's,  Fitch  or S&P or  (iii)  (1) it is an  insurance
company,  (2) the source of funds used to  acquire  or hold the  certificate  or
interest  therein is an  "insurance  company  general  account," as such term is
defined in PTCE  95-60,  and (3) the  conditions  in  Sections I and III of PTCE
95-60 have been satisfied.

      If any Class CE Certificate, Class P Certificate,  Residual Certificate or
Mezzanine  Certificate or any interest  therein is acquired or held in violation
of the  provisions of the preceding  paragraphs,  the next  preceding  permitted
beneficial  owner will be treated as the  beneficial  owner of that  Certificate
retroactive  to the date of  transfer to the  purported  beneficial  owner.  Any
purported  beneficial owner whose acquisition or holding of any such Certificate
or interest therein was effected in violation of the provisions of the preceding
paragraph shall indemnify and hold harmless the Depositor,  the Master Servicer,
the Trustee,  the NIMS Insurer, the Certificate Insurer, and the Trust Fund from
and against any and all liabilities, claims, costs or expenses incurred by those
parties as a result of that acquisition or holding.

      (d)(i) Each Person who has or who  acquires  any  Ownership  Interest in a
Residual  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  Certificate  Registrar 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 Residual  Certificate  are  expressly  subject  to the  following
provisions:

            (A) Each Person  holding or acquiring  any  Ownership  Interest in a
      Residual  Certificate  shall be a Permitted  Transferee and shall promptly
      notify the Certificate  Registrar of any change or impending change in its
      status as a Permitted Transferee.

            (B) In  connection  with  any  proposed  Transfer  of any  Ownership
      Interest  in a  Residual  Certificate,  the  Certificate  Registrar  shall
      require delivery to it and shall not register the Transfer of any Residual
      Certificate  until its receipt of an affidavit  and agreement (a "Transfer
      Affidavit and Agreement"), in the form attached hereto as Exhibit F-2 from
      the  proposed  Transferee,  in  form  and  substance  satisfactory  to the
      Certificate  Registrar,  representing and warranting,  among other things,
      that such Transferee is a Permitted  Transferee,  that it is not acquiring
      its Ownership Interest in the Residual  Certificate that is the subject of
      the proposed  Transfer as a nominee,  trustee or agent for any Person that
      is  not a  Permitted  Transferee,  that  for so  long  as it  retains  its
      Ownership Interest in a Residual Certificate,  it shall endeavor to remain
      a Permitted  Transferee,  and that it has reviewed the  provisions of this
      Section 5.02(d) and agrees to be bound by them.

            (C)  Notwithstanding  the  delivery  of  a  Transfer  Affidavit  and
      Agreement  by  a  proposed   Transferee  under  clause  (B)  above,  if  a
      Responsible  Officer of the Certificate  Registrar who is assigned to this
      transaction  has actual  knowledge  that the proposed

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      Transferee  is not a Permitted  Transferee,  no  Transfer of an  Ownership
      Interest in a Residual  Certificate to such proposed  Transferee  shall be
      effected.

            (D) Each Person  holding or acquiring  any  Ownership  Interest in a
      Residual  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 Residual  Certificate and (y) not to transfer
      its Ownership  Interest unless it provides a Transferor  Affidavit (in the
      form attached hereto as Exhibit F-2), to the Certificate Registrar stating
      that,  among  other  things,  it has no actual  knowledge  that such other
      Person is not a Permitted Transferee.

            (E) Each Person  holding or  acquiring  an  Ownership  Interest in a
      Residual  Certificate,   by  purchasing  an  Ownership  Interest  in  such
      Certificate,  agrees to give the Certificate Registrar written notice that
      it is a  "pass-through  interest  holder"  within the meaning of temporary
      Treasury regulation Section 1.67-3T(a)(2)(i)(A) immediately upon acquiring
      an Ownership Interest in a Residual  Certificate,  if it is, or is holding
      an  Ownership  Interest  in  a  Residual   Certificate  on  behalf  of,  a
      "pass-through interest holder."

      (ii) The Certificate Registrar shall register the Transfer of any Residual
Certificate only if it shall have received the Transfer  Affidavit and Agreement
and all of such other  documents as shall have been  reasonably  required by the
Certificate  Registrar as a condition  to such  registration.  In  addition,  no
Transfer  of a  Residual  Certificate  shall  be  made  unless  the  Certificate
Registrar  shall have received a  representation  letter from the  Transferee of
such Certificate to the effect that such Transferee is a Permitted Transferee.

      (iii) (A) If any purported  Transferee shall become a Holder of a Residual
Certificate  in violation of the  provisions of this Section  5.02(d),  then the
last preceding Permitted  Transferee shall be restored,  to the extent permitted
by law, to all rights as Holder thereof  retroactive to the date of registration
of such Transfer of such Residual  Certificate.  The Certificate Registrar shall
be under no  liability  to any  Person for any  registration  of  Transfer  of a
Residual  Certificate  that is in fact not permitted by this Section  5.02(d) 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 Residual
      Certificate in violation of the  restrictions  in this Section 5.02(d) and
      to the extent that the retroactive restoration of the rights of the Holder
      of such Residual  Certificate as described in clause  (iii)(A) above shall
      be invalid, illegal or unenforceable, then the Certificate Registrar shall
      have the right,  without  notice to the Holder or any prior Holder of such
      Residual  Certificate,  to sell such Residual  Certificate  to a purchaser
      selected by the  Certificate  Registrar  on such terms as the  Certificate
      Registrar may choose. Such purported Transferee shall promptly endorse and
      deliver each Residual  Certificate in accordance with the  instructions of
      the Certificate Registrar. Such purchaser may be the Certificate Registrar
      itself or any Affiliate of the Certificate Registrar. The proceeds of such
      sale, net of the commissions (which may include commissions payable to the
      Certificate Registrar or its Affiliates),  expenses and taxes due, if any,
      shall  be  remitted  by

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      the  Certificate  Registrar 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  Certificate  Registrar,  and the  Certificate
      Registrar  shall not be liable to any Person having an Ownership  Interest
      in a Residual Certificate as a result of its exercise of such discretion.

      (iv) The Trustee shall make available to the Internal  Revenue Service and
those Persons  specified by the REMIC  Provisions all  information  necessary to
compute any tax imposed (A) as a result of the Transfer of an Ownership Interest
in a Residual  Certificate  to any Person  who is a  Disqualified  Organization,
including   the   information   described  in  Treasury   regulations   sections
1.860D-1(b)(5)  and  1.860E-2(a)(5)  with respect to the "excess  inclusions" of
such  Residual  Certificate  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 Residual  Certificate having as among its record Holders
at  any  time  any  Person  which  is a  Disqualified  Organization.  Reasonable
compensation for providing such information may be accepted by the Trustee.

      (v) The  provisions  of this  Section  5.02(d)  set  forth  prior  to this
subsection  (v) may be modified,  added to or  eliminated,  provided  that there
shall have been  delivered to the Trustee at the expense of the party seeking to
modify, add to or eliminate any such provision the following:

            (A) written  notification from each Rating Agency to the effect that
      the modification,  addition to or elimination of such provisions shall not
      cause such Rating  Agency to  downgrade  its  then-current  ratings of any
      Class of Certificates; and

            (B) an Opinion of Counsel, in form and substance satisfactory to the
      Trustee,  to  the  effect  that  such  modification  of,  addition  to  or
      elimination of such provisions shall not cause any Trust REMIC to cease to
      qualify  as a REMIC and shall not cause any Trust  REMIC,  as the case may
      be, to be subject to an  entity-level  tax caused by the  Transfer  of any
      Residual Certificate to a Person that is not a Permitted Transferee or (y)
      a  Person  other  than  the  prospective  transferee  to be  subject  to a
      REMIC-tax  caused by the  Transfer of a Residual  Certificate  to a Person
      that is not a Permitted Transferee.

      The Trustee shall forward to the NIMS Insurer and the Certificate  Insurer
a copy of the items delivered to it pursuant to (A) and (B) above.

      (e) Subject to the preceding subsections,  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,  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 the same
Class of a like aggregate Percentage Interest.

      (f) At the option of the Holder thereof,  any Certificate may be exchanged
for other  Certificates  of the same Class with authorized  denominations  and a
like aggregate  Percentage  Interest,  upon surrender of such  Certificate to be
exchanged  at any office or agency of the Trustee  maintained  for such  purpose
pursuant to Section  8.12.  Whenever any  Certificates  are so  surrendered  for
exchange  the  Trustee,  shall  execute and cause the  Certificate  Registrar to

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authenticate and deliver the Certificates 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) be duly endorsed by,
or be accompanied by a written  instrument of transfer in the form  satisfactory
to the  Trustee  and the  Certificate  Registrar  duly  executed  by, the Holder
thereof or his attorney duly authorized in writing. In addition, with respect to
each  Residual  Certificate,  the Holder  thereof  may  exchange,  in the manner
described above, the Class R Certificate for three separate  Certificates,  each
representing  such  Holder's  respective  Percentage  Interest  in the Class R-I
Interest  and the  Class  R-II  Interest,  respectively,  in each  case that was
evidenced by the Class R Certificate being exchanged.

      (g) No  service  charge  to the  Certificateholders  shall be made for any
transfer or exchange of  Certificates,  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
canceled and  destroyed by the  Certificate  Registrar  in  accordance  with its
customary procedures.

      (i) The Trustee shall cause the Certificate  Registrar (unless the Trustee
is acting as  Certificate  Registrar)  to provide  notice to the Trustee of each
transfer of a Certificate and to provide the Trustee with an updated copy of the
Certificate Register on the first Business Day in March and August of each year,
commencing in March 2005.

      (j) Any attempted or purported transfer of any Certificate in violation of
the  provisions  of  Section  5.02(c)  hereof  shall be void AB INITIO  and such
Certificate  shall be  considered  to have been held  continuously  by the prior
permitted Holder.

      SECTION 5.03. Mutilated, Destroyed, Lost or Stolen Certificates.

      If (i) any  mutilated  Certificate  is  surrendered  to the Trustee or 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,  the NIMS Insurer, the
Certificate Insurer 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
actual  knowledge  by  the  Trustee  or  the  Certificate  Registrar  that  such
Certificate  has been  acquired by a bona fide  purchaser  or the Trustee  shall
execute  and  deliver,  in  exchange  for  or in  lieu  of any  such  mutilated,
destroyed,  lost or stolen Certificate,  a new Certificate of the same Class and
of like  denomination  and  Percentage  Interest.  Upon the  issuance of any new
Certificate  under this  Section,  the  Trustee may require the payment of a sum
sufficient to cover any tax or other governmental  charge that may be imposed in
relation thereto and any other expenses  (including the fees and expenses of the
Certificate Registrar) connected therewith.  Any replacement  Certificate issued
pursuant to this Section shall constitute complete and indefeasible  evidence of
ownership in the applicable REMIC created  hereunder,  as if originally  issued,
whether or not the lost,  stolen or destroyed  Certificate shall be found at any
time.

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      SECTION 5.04. Persons Deemed Owners.

      The Depositor,  the Master Servicer,  the Trustee,  the NIMS Insurer,  the
Certificate Insurer, the Certificate  Registrar and any agent of any of them 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
4.01 and for all  other  purposes  whatsoever,  and none of the  Depositor,  the
Master Servicer, the Trustee, the Certificate  Registrar,  the NIMS Insurer, the
Certificate  Insurer or any agent of any of them shall be  affected by notice to
the contrary.

      SECTION 5.05. Certain Available Information.

      On or prior to the date of the first sale of any Class  M-10  Certificate,
Class  CE  Certificate,  Class  P  Certificate  or  Residual  Certificate  to an
Independent  third party,  the Depositor shall provide to the Trustee ten copies
of any private  placement  memorandum or other  disclosure  document used by the
Depositor in connection with the offer and sale of the Class M-10  Certificates,
the  Class  CE   Certificates,   the  Class  P  Certificates   or  the  Residual
Certificates.   In  addition,  if  any  such  private  placement  memorandum  or
disclosure  document is revised,  amended or  supplemented at any time following
the delivery  thereof to the Trustee,  the Depositor  promptly  shall inform the
Trustee of such event and shall deliver to the Trustee ten copies of the private
placement   memorandum  or   disclosure   document,   as  revised,   amended  or
supplemented. The Trustee shall maintain at its Corporate Trust Office and shall
make  available  free of charge during normal  business  hours for review by any
Holder of a  Certificate,  Certificate  Owner or any  Person  identified  to the
Trustee as a prospective transferee of a Certificate, originals or copies of the
following  items:  (i) in the case of a Holder or  prospective  transferee  of a
Class M-10  Certificate,  a Class CE  Certificate,  a Class P  Certificate  or a
Residual  Certificate,  the private  placement  memorandum  or other  disclosure
document  relating  to such  Certificate,  if any,  in the  form  most  recently
provided  to the  Trustee;  and (ii) in all cases,  (A) this  Agreement  and any
amendments  hereof  entered  into  pursuant  to Section  11.01,  (B) all monthly
statements required to be delivered to  Certificateholders of the relevant Class
pursuant to Section 4.02 since the Closing Date, and all other notices, reports,
statements and written communications delivered to the Certificateholders of the
relevant  Class  pursuant  to this  Agreement  since the Closing  Date,  (C) all
certifications  delivered  by a  Responsible  Officer of the  Trustee  since the
Closing  Date  pursuant  to  Section   10.01(h),   (D)  any  and  all  Officers'
Certificates  delivered to the Trustee by the Master  Servicer since the Closing
Date to  evidence  the  Master  Servicer's  determination  that any  Advance  or
Servicing  Advance  was,  or if  made,  would  be a  Nonrecoverable  Advance  or
Nonrecoverable  Servicing Advance,  respectively,  and (E) any and all Officers'
Certificates  delivered to the Trustee by the Master  Servicer since the Closing
Date  pursuant  to Section  4.04(a).  Copies  and  mailing of any and all of the
foregoing  items shall be available from the Trustee upon request at the expense
of the person requesting the same.

      SECTION  5.06.  Rights of the  Certificate  Insurer to Exercise  Rights of
                      Class A-1 Certificateholders.

      (a) By accepting its Certificate,  each Class A-1 Certificateholder agrees
that, unless a Certificate Insurer Default exists, the Certificate Insurer shall
be deemed to be the Class A-1  Certificateholders  for all purposes  (other than
with  respect to the  receipt of  payment on such Class of  Certificates  except
payments with respect to which the Certificate Insurer has

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subrogation rights as set forth herein) and shall have the right to exercise all
rights of such  Certificateholders  under this Agreement and under the Class A-1
Certificates without any further consent of such Certificateholders.

      (b) All notices,  statement reports,  certificates or opinions required by
this Agreement to be sent to any Class A-1 Certificateholder  shall also be sent
to the Certificate Insurer.

      (c) (x) On the Distribution  Date immediately  after the expiration of the
Term of the  Certificate  Insurance  Policy  (as  such  term is  defined  in the
Certificate  Insurance  Policy) or (y) during the  occurrence  of a  Certificate
Insurer Default (until such time as it has been cured), the rights, consents and
notifications  granted to the  Certificate  Insurer in this  Agreement  shall be
extinguished.

      SECTION 5.07. Certificate Insurer Default.

      Notwithstanding   anything   elsewhere   in  this   Agreement  or  in  the
Certificates to the contrary, if (i) a Certificate Insurer Default exists and is
continuing  or (ii) if and to the extent the  Certificate  Insurer has delivered
its  written  renunciation  of all of  its  rights  under  this  Agreement,  all
provisions  of this  Agreement  which (a)  permit  the  Certificate  Insurer  to
exercise rights of the Class A-1 Certificateholders, (b) restrict the ability of
the  Certificateholders,  the Master  Servicer or the Trustee to act without the
consent or approval of the  Certificate  Insurer,  (c) provide that a particular
act or thing  must be  acceptable  to the  Certificate  Insurer,  (d) permit the
Certificate  Insurer to direct (or  otherwise  to  require)  the  actions of the
Trustee,  the Master  Servicer or the  Certificateholders,  (e) provide that any
action or omission  taken with the  consent,  approval or  authorization  of the
Certificate Insurer shall be authorized hereunder or shall not subject the party
taking or omitting to take such action to any liability  hereunder or (f) have a
similar  effect,  shall be of no further  force and effect and the Trustee shall
administer the Trust Fund and perform its obligations  hereunder  solely for the
benefit of the Holders of the Certificates.  Nothing in the foregoing  sentence,
nor any action  taken  pursuant  thereto or in  compliance  therewith,  shall be
deemed (x) to have  released  the  Certificate  Insurer from any  obligation  or
liability  it may  have to any  party  or to the  Class  A-1  Certificateholders
hereunder, under any other agreement, instrument or document (including, without
limitation,  the Certificate Insurance Policy) or under applicable law or (y) to
have  terminated (1) the Certificate  Insurer's  right to receive  Reimbursement
Amounts under this  Agreement or the Insurance  Agreement,  (2) the  Certificate
Insurer's  right to receive  reports  and  distributions  as  described  in this
Agreement  or (3) the  requirement  that the  Certificate  Insurer  approve  any
amendments to this  Agreement  that would  adversely  affect the  aforementioned
rights.  At such time as the Class A-1  Certificates  are no longer  outstanding
hereunder, and no amounts owed to the Certificate Insurer hereunder with respect
to such Class of Certificates  remain unpaid,  the Certificate  Insurer's rights
hereunder with respect to such Class of Certificates shall terminate.

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                                   ARTICLE VI

                      THE DEPOSITOR AND THE MASTER SERVICER

      SECTION 6.01. Liability of the Depositor and the Master Servicer.

      The Depositor  and the Master  Servicer each shall be liable in accordance
herewith  only to the  extent of the  obligations  specifically  imposed by this
Agreement and  undertaken  hereunder by the  Depositor  and the Master  Servicer
herein.

      SECTION  6.02.  Merger or  Consolidation  of the  Depositor  or the Master
                      Servicer.

      Subject  to the  following  paragraph,  the  Depositor  shall keep in full
effect its existence,  rights and franchises as a corporation  under the laws of
the jurisdiction of its incorporation.  Subject to the following paragraph,  the
Master  Servicer shall keep in full effect its existence,  rights and franchises
as a corporation under the laws of the jurisdiction of its incorporation and its
qualification  as an  approved  conventional  seller/servicer  for Fannie Mae or
Freddie Mac in good standing.  The Depositor and the Master  Servicer each shall
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.

      The Depositor or the Master Servicer may be merged or consolidated with or
into any  Person,  or  transfer  all or  substantially  all of its assets to any
Person,  in which case any Person  resulting from any merger or consolidation to
which the  Depositor  or the  Master  Servicer  shall be a party,  or any Person
succeeding to the business of the Depositor or the Master Servicer, shall be the
successor  of the  Depositor  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 the Rating  Agencies'
ratings of the Class A Certificates (without regard to the Certificate Insurance
Policy)  and the  Mezzanine  Certificates  in effect  immediately  prior to such
merger or consolidation shall not be qualified, reduced or withdrawn as a result
thereof (as evidenced by a letter to such effect from the Rating Agencies).

      SECTION  6.03.  Limitation  on  Liability  of the  Depositor,  the  Master
                      Servicer and Others.

      None of the Depositor, the NIMS Insurer, the Master Servicer or any of the
directors, officers, employees or agents of the Depositor 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 Depositor,  the NIMS Insurer,  the Master
Servicer or any such person against any breach of warranties, representations or

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covenants made herein,  or against any specific  liability imposed on the Master
Servicer  pursuant  hereto,  or against any liability  which would  otherwise be
imposed  by reason  of  willful  misfeasance,  bad  faith or  negligence  in the
performance  of duties or by reason of reckless  disregard  of  obligations  and
duties hereunder.  The Depositor,  the NIMS Insurer,  the Master Servicer or the
Trustee and any director,  officer, employee or agent of the Depositor, the NIMS
Insurer,  the  Master  Servicer  or the  Trustee  may rely in good  faith on any
document of any kind which,  PRIMA FACIE, is properly  executed and submitted by
any Person respecting any matters arising hereunder.

      The  Depositor,  the NIMS Insurer,  the Master  Servicer and any director,
officer,  employee  or agent of the  Depositor,  the NIMS  Insurer or the Master
Servicer  shall be  indemnified  and held harmless by the Trust Fund against any
loss, liability or expense incurred in connection with any legal action relating
to this  Agreement or the  Certificates  and any breach of a  representation  or
warranty  regarding the Mortgage Loans,  other than in the case of the Depositor
and the Master  Servicer,  any loss,  liability or expense incurred by reason of
willful  misfeasance,  bad  faith or  negligence  in the  performance  of duties
hereunder  or  by  reason  of  reckless  disregard  of  obligations  and  duties
hereunder.  None of the Depositor, the NIMS Insurer or the Master Servicer shall
be under any  obligation  to appear in,  prosecute  or defend  any legal  action
unless such action is related to its respective duties under this Agreement and,
in its  opinion,  does not  involve it in any  expense or  liability;  provided,
however,  that each of the Depositor,  the NIMS Insurer and the Master  Servicer
may in its  discretion  undertake any such action which it may deem necessary or
desirable  with  respect  to this  Agreement  and the  rights  and duties of the
parties hereto and the interests of the  Certificateholders  hereunder.  In such
event,  unless the Depositor or the Master  Servicer acts without the consent of
the Holders of Certificates entitled to at least 51% of the Voting Rights (which
consent  shall not be necessary in the case of  litigation or other legal action
by either to enforce their respective  rights or defend  themselves  hereunder),
the  legal  expenses  and  costs  of such  action  and any  liability  resulting
therefrom  (except any loss,  liability or expense incurred by reason of willful
misfeasance,  bad faith or negligence in the performance of duties  hereunder or
by reason of reckless  disregard of obligations and duties  hereunder)  shall be
expenses,  costs and liabilities of the Trust Fund, and the Depositor,  the NIMS
Insurer and the Master Servicer shall be entitled to be reimbursed therefor from
the Collection  Account as and to the extent  provided in Section 3.05, any such
right of reimbursement  being prior to the rights of the  Certificateholders  to
receive any amount in the Collection Account.

      SECTION 6.04. Limitation on Resignation of the Master Servicer.

      The Master  Servicer  shall not  resign  from the  obligations  and duties
hereby imposed on it except (i) upon determination that its duties hereunder are
no longer  permissible  under applicable law or (ii) with the written consent of
the Trustee,  the NIMS Insurer, the Certificate Insurer and written confirmation
from each Rating Agency (which confirmation shall be furnished to the Depositor,
the NIMS Insurer, the Certificate Insurer and the Trustee) that such resignation
shall not cause  such  Rating  Agency to reduce the then  current  rating of the
Class A Certificates (without regard to the Certificate Insurance Policy) or the
Mezzanine  Certificates.  Any such  determination  pursuant to clause (i) of the
preceding sentence,  permitting the resignation of the Master Servicer, shall be
evidenced by an Opinion of Counsel to such effect obtained at the expense of the
Master Servicer and delivered to the Trustee, the Certificate

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Insurer and the NIMS Insurer. No resignation of the Master Servicer shall become
effective  until the  Trustee or a  successor  servicer  acceptable  to the NIMS
Insurer and the  Certificate  Insurer  shall have assumed the Master  Servicer's
responsibilities,  duties,  liabilities  (other than those  liabilities  arising
prior  to  the  appointment  of  such  successor)  and  obligations  under  this
Agreement.

      Except as expressly  provided herein, the Master Servicer shall not assign
or transfer  any of its rights,  benefits or  privileges  hereunder to any other
Person,  nor delegate to or subcontract with, nor authorize or appoint any other
Person to perform any of the duties, covenants or obligations to be performed by
the Master Servicer hereunder. Further, except as expressly provided herein, the
Master  Servicer  shall not assign or transfer  any of its  rights,  benefits or
privileges  hereunder without the prior consent of the Certificate Insurer (such
consent not to be unreasonably withheld).  If, pursuant to any provision hereof,
the  duties  of the  Master  Servicer  are  transferred  to a  successor  master
servicer,  the entire amount of the Servicing Fee and other compensation payable
to the Master  Servicer  pursuant  hereto  shall  thereafter  be payable to such
successor master servicer.

      SECTION 6.05. Rights of the Depositor in Respect of the Master Servicer.

      The Master  Servicer shall afford (and any  Sub-Servicing  Agreement shall
provide that each Sub-Servicer shall afford) the Depositor, the NIMS Insurer and
the Trustee,  upon reasonable advance notice in writing,  during normal business
hours at the office  designated  by the Master  Servicer,  access to all records
maintained by the Master Servicer (and any such  Sub-Servicer) in respect of the
Master  Servicer's  rights and  obligations  with respect to the Mortgage  Loans
hereunder  and access to officers of the Master  Servicer (and those of any such
Sub-Servicer)  responsible for such obligations.  To the extent such information
is not otherwise available to the public, the Depositor,  the NIMS Insurer,  the
Certificate  Insurer  and the  Trustee  shall not  disseminate  any  information
obtained pursuant to the preceding  sentence (or with respect to the Certificate
Insurer,   Section   3.22)   without   the  Master   Servicer's   (or  any  such
Sub-Servicer's)  written consent,  except as required pursuant to this Agreement
or to the  extent  that it is  appropriate  to do so (i) in  working  with legal
counsel,  auditors,  taxing authorities or other governmental  agencies,  rating
agencies or  reinsurers or (ii) pursuant to any law,  rule,  regulation,  order,
judgment,  writ,  injunction  or decree of any court or  governmental  authority
having  jurisdiction  over the Depositor,  the Trustee or the Trust Fund, and in
either case, the Depositor,  the NIMS Insurer,  the  Certificate  Insurer or the
Trustee,  as the  case  may be,  shall  use  its  best  efforts  to  assure  the
confidentiality of any such disseminated non-public  information.  The Depositor
may, but is not obligated to,  enforce the  obligations  of the Master  Servicer
under this  Agreement  and may, but is not  obligated  to,  perform,  or cause a
designee to perform,  any defaulted obligation of the Master Servicer under this
Agreement or exercise the rights of the Master  Servicer  under this  Agreement;
provided  that  the  Master  Servicer  shall  not  be  relieved  of  any  of its
obligations  under this Agreement by virtue of such performance by the Depositor
or its designee.  The Depositor 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.

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      SECTION 6.06.  Sub-Servicing  Agreements  Between the Master  Servicer and
                     Sub-Servicers.

      (a) The Master Servicer may enter into Sub-Servicing  Agreements (provided
that such  agreements  would not result in a  withdrawal  or a downgrade  by any
Rating Agency of the ratings on any Class of Certificates (without regard to the
Certificate  Insurance Policy) and the NIMS Insurer shall have consented to such
Sub-Servicing   Agreement)   with   Sub-Servicers,   for   the   servicing   and
administration of the Mortgage Loans.

      Each  Sub-Servicer  shall be (i)  authorized  to transact  business in the
state or states in which the related  Mortgaged  Properties it is to service are
situated,  if and  to the  extent  required  by  applicable  law to  enable  the
Sub-Servicer  to perform its obligations  hereunder and under the  Sub-Servicing
Agreement,  (ii) an  institution  approved as a mortgage loan  originator by the
Federal Housing  Administration  or an institution the deposit accounts in which
are insured by the FDIC and (iii) a Freddie Mac or Fannie Mae approved  mortgage
servicer.   Each  Sub-Servicing   Agreement  must  impose  on  the  Sub-Servicer
requirements  conforming to the provisions set forth in Section 6.11 and provide
for servicing of the Mortgage Loans consistent with the terms of this Agreement.
The Master  Servicer  shall  examine each  Sub-Servicing  Agreement and shall be
familiar with the terms thereof. The terms of any Sub-Servicing  Agreement shall
not be  inconsistent  with any of the provisions of this  Agreement.  The Master
Servicer  and the  Sub-Servicers  may  enter  into  and make  amendments  to the
Sub-Servicing   Agreements  or  enter  into  different  forms  of  Sub-Servicing
Agreements; provided, however, that any such amendments or different forms shall
be consistent with and not violate the provisions of this Agreement, and that no
such  amendment or  different  form shall be made or entered into which could be
reasonably   expected  to  be  materially   adverse  to  the  interests  of  the
Certificateholders,  without the consent of the Holders of Certificates entitled
to at least 66% of the Voting Rights.  Any variation  without the consent of the
Holders of  Certificates  entitled to at least 66% of the Voting Rights from the
provisions  set forth in Section  6.11,  provisions  relating  to  insurance  in
Section 3.10 or priority requirements of Sub-Servicing  Accounts, or credits and
charges to the Sub-Servicing Accounts or the timing and amount of remittances by
the  Sub-Servicers  to  the  Master  Servicer,  are  conclusively  deemed  to be
inconsistent with this Agreement and therefore  prohibited.  The Master Servicer
shall  deliver to the  Trustee,  the  Certificate  Insurer and the NIMS  Insurer
copies of all  Sub-Servicing  Agreements,  and any  amendments or  modifications
thereof,  promptly  upon the Master  Servicer's  execution  and delivery of such
instruments.

      (b) As part of its servicing  activities  hereunder,  the Master Servicer,
for  the   benefit   of  the   Trustee,   the   Certificate   Insurer   and  the
Certificateholders, shall enforce the obligations of each Sub-Servicer under the
related Sub-Servicing Agreement,  including,  without limitation, any obligation
to  make  advances  in  respect  of   delinquent   payments  as  required  by  a
Sub-Servicing Agreement. Such enforcement,  including,  without limitation,  the
legal prosecution of claims,  termination of Sub-Servicing  Agreements,  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,  in its good  faith
business  judgment,  would  require  were it the owner of the  related  Mortgage
Loans.  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

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related  Mortgage Loans or (ii) from a specific  recovery of costs,  expenses or
attorneys' fees against the party against whom such enforcement is directed.

      SECTION 6.07. Successor Sub-Servicers.

      The  Master  Servicer,  with the  consent  of the NIMS  Insurer,  shall be
entitled to terminate any Sub-Servicing Agreement and the rights and obligations
of any Sub-Servicer  pursuant to any Sub-Servicing  Agreement in accordance with
the  terms  and  conditions  of such  Sub-Servicing  Agreement.  In the event of
termination of any Sub-Servicer,  all servicing obligations of such Sub-Servicer
shall be assumed  simultaneously  by the Master Servicer without any act or deed
on the part of such Sub-Servicer or the Master Servicer, and the Master Servicer
either shall service  directly the related  Mortgage Loans or shall enter into a
Sub-Servicing  Agreement with a successor  Sub-Servicer  which  qualifies  under
Section 6.06.

      Any  Sub-Servicing   Agreement  shall  include  the  provision  that  such
agreement  may  be  immediately  terminated  by  the  Trustee  without  fee,  in
accordance  with the  terms of this  Agreement,  in the  event  that the  Master
Servicer  shall,  for any reason,  no longer be the Master  Servicer  (including
termination due to a Master Servicer Event of Default).

      SECTION 6.08. Liability of the Master Servicer.

      Notwithstanding any Sub-Servicing Agreement, any of the provisions of this
Agreement relating to agreements or arrangements between the Master Servicer and
a  Sub-Servicer  or  reference  to  actions  taken  through  a  Sub-Servicer  or
otherwise,  the Master Servicer shall remain  obligated and primarily  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  Sub-Servicing
Agreements or arrangements or by virtue of indemnification from the Sub-Servicer
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 Sub-Servicer  for
indemnification  of  the  Master  Servicer  by  such  Sub-Servicer  and  nothing
contained  in  this   Agreement   shall  be  deemed  to  limit  or  modify  such
indemnification.

      SECTION 6.09. No Contractual  Relationship  Between  Sub-Servicers and the
                    NIMS Insurer, the Certificate Insurer, the Trustee or
                    Certificateholders.

      Any Sub-Servicing  Agreement that may be entered into and any transactions
or services  relating to the  Mortgage  Loans  involving a  Sub-Servicer  in its
capacity as such shall be deemed to be between the  Sub-Servicer  and the Master
Servicer alone, and the NIMS Insurer,  the Certificate  Insurer, the Trustee and
Certificateholders shall not be deemed parties thereto and shall have no claims,
rights,  obligations,  duties or  liabilities  with respect to the  Sub-Servicer
except as set forth in Section 6.10. The Master  Servicer shall be solely liable
for all fees owed by it to any Sub-Servicer,  irrespective of whether the Master
Servicer's  compensation  pursuant to this  Agreement is  sufficient to pay such
fees.

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      SECTION 6.10.  Assumption or  Termination of  Sub-Servicing  Agreements by
                     Trustee.

      In the event the  Master  Servicer  shall for any  reason no longer be the
master  servicer  (including  termination  due to a  Master  Servicer  Event  of
Default),  the  Trustee or its  designee  shall  thereupon  assume (or cause its
designee or the successor master servicer for the Trustee appointed  pursuant to
Section 7.02 to assume) all of the rights and obligations of the Master Servicer
under each  Sub-Servicing  Agreement  that the Master  Servicer may have entered
into,  unless the Trustee  elects to terminate  any  Sub-Servicing  Agreement in
accordance with its terms as provided in Section 6.07. Upon such assumption, the
Trustee,  its  designee or the  successor  servicer  for the  Trustee  appointed
pursuant  to  Section  7.02 shall be deemed,  subject to Section  6.07,  to have
assumed all of the Master  Servicer's  interest therein and to have replaced the
Master Servicer as a party to each Sub-Servicing Agreement to the same extent as
if each Sub-Servicing  Agreement had been assigned to the assuming party, except
that (i) the Master  Servicer  shall not thereby be relieved of any liability or
obligations under any Sub-Servicing  Agreement and (ii) none of the Trustee, its
designee or any successor  Master  Servicer  shall be deemed to have assumed any
liability or obligation of the Master Servicer that arose before it ceased to be
the Master Servicer.

      The Master  Servicer at its expense  shall,  upon  request of the Trustee,
deliver  to the  assuming  party all  documents  and  records  relating  to each
Sub-Servicing  Agreement  and the  Mortgage  Loans  then being  serviced  and an
accounting  of amounts  collected  and held by or on behalf of it, and otherwise
use its best  efforts  to effect  the  orderly  and  efficient  transfer  of the
Sub-Servicing Agreements to the assuming party.

      SECTION 6.11. Sub-Servicing Accounts.

      In those cases where a Sub-Servicer  is servicing a Mortgage Loan pursuant
to a Sub-Servicing  Agreement,  the Sub-Servicer  shall be required to establish
and maintain one or more accounts (collectively,  the "Sub-Servicing  Account").
The Sub-Servicing  Account shall be an Eligible Account.  The Sub-Servicer shall
deposit in the clearing  account (which account must be an Eligible  Account) in
which it  customarily  deposits  payments and  collections  on mortgage loans in
connection with its mortgage loan servicing  activities on a daily basis, and in
no event more than one Business Day after the  Sub-Servicer's  receipt  thereof,
all proceeds of Mortgage Loans received by the  Sub-Servicer  less its servicing
compensation to the extent permitted by the Sub-Servicing  Agreement,  and shall
thereafter deposit such amounts in the Sub-Servicing  Account,  in no event more
than two  Business  Days  after the  deposit  of such  funds  into the  clearing
account.  The  Sub-Servicer  shall  thereafter  deposit  such  proceeds  in  the
Collection  Account or remit such proceeds to the Master Servicer for deposit in
the  Collection  Account not later than two  Business  Days after the deposit of
such amounts in the Sub-Servicing  Account. For purposes of this Agreement,  the
Master Servicer shall be deemed to have received  payments on the Mortgage Loans
when the Sub-Servicer receives such payments.

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                                   ARTICLE VII

                                     DEFAULT

      SECTION 7.01. Master Servicer Events of Default.

      "Master Servicer Event of Default," wherever used herein, means any one of
the following events:

            (i) any  failure by the Master  Servicer to remit to the Trustee for
      distribution to the  Certificateholders any payment (other than an Advance
      required to be made from its own funds on any Master  Servicer  Remittance
      Date pursuant to Section 4.03)  required to be made under the terms of the
      Certificates and this Agreement which continues unremedied for a period of
      one Business Day after the date upon which written notice of such failure,
      requiring  the same to be  remedied,  shall  have been given to the Master
      Servicer by the  Depositor  or the Trustee (in which case notice  shall be
      provided by telecopy),  or to the Master  Servicer,  the Depositor and the
      Trustee by the NIMS  Insurer,  the  Certificate  Insurer or the Holders of
      Certificates entitled to at least 25% of the Voting Rights; or

            (ii) any failure on the part of the Master  Servicer duly to observe
      or perform in any material  respect any of the  covenants or agreements on
      the part of the Master Servicer  contained in the  Certificates or in this
      Agreement  (or, if the Master  Servicer is the Seller,  the failure of the
      Seller  to  repurchase  a  Mortgage  Loan as to  which a  breach  has been
      established that requires a repurchase  pursuant to the terms of Section 7
      of the Mortgage Loan Purchase Agreement) which continues  unremedied for a
      period  of 45 days  after  the  earlier  of (i) 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  Depositor or the Trustee,  or to the
      Master  Servicer,  the Depositor and the Trustee by the NIMS Insurer,  the
      Certificate  Insurer or the Holders of  Certificates  entitled to at least
      25% of the Voting  Rights and (ii) actual  knowledge  of such failure by a
      Servicing Officer of the Master Servicer; 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 the  appointment  of a conservator or receiver or liquidator in any
      insolvency,  readjustment of debt, marshaling of assets and liabilities or
      similar  proceeding,  or for the winding-up or liquidation of its affairs,
      shall have been entered against the Master Servicer and if such proceeding
      is being  contested by the Master  Servicer in good faith,  such decree or
      order shall have remained in force  undischarged  or unstayed for a period
      of 60 days or  results  in the  entry of an order  for  relief or any such
      adjudication or appointment; or

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

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

            (vi) [reserved]; or

            (vii) any failure of the Master  Servicer to make any Advance on any
      Master  Servicer  Remittance  Date  required to be made from its own funds
      pursuant to Section 4.03 which  continues  unremedied  until 1:00 p.m. New
      York time on the Business Day  immediately  following the Master  Servicer
      Remittance Date.

      If a Master  Servicer  Event of Default  described  in clauses (i) through
(vi) of this Section shall occur, then, and in each and every such case, so long
as such  Master  Servicer  Event of Default  shall not have been  remedied,  the
Depositor,  the NIMS Insurer or the Trustee may, and at the written direction of
the Holders of Certificates  entitled to at least 51% of Voting Rights or at the
direction of the NIMS Insurer,  the Trustee  shall,  by notice in writing to the
Master Servicer, the Certificate Insurer and the Depositor, terminate all of the
rights and obligations of the Master Servicer in its capacity as Master Servicer
under this Agreement, to the extent permitted by law, and in and to the Mortgage
Loans and the proceeds thereof.  If a Master Servicer Event of Default described
in clause (vii) hereof shall occur,  the Trustee shall,  by notice in writing to
the Master Servicer, the Certificate Insurer and the Depositor, terminate all of
the rights and  obligations  of the Master  Servicer  in its  capacity as Master
Servicer  under this Agreement and in and to the Mortgage Loans and the proceeds
thereof and the Trustee or a successor  Master Servicer  appointed in accordance
with Section  7.02,  shall  immediately  make such  Advance  (subject to its own
determination  as to  recoverability,  which  Advance shall be part of Available
Funds for such  Distribution  Date) and assume,  pursuant to Section  7.02,  the
duties of a  successor  Master  Servicer.  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 of any Certificate) or the Mortgage Loans or otherwise, shall pass to and
be  vested in the  Trustee  pursuant  to and under  this  Section  and,  without
limitation,  the Trustee is hereby authorized and empowered, as attorney-in-fact
or  otherwise,  to execute  and  deliver on behalf of and at the  expense of the
Master  Servicer,  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,  at its sole cost and expense,  promptly
(and in any event no later than ten Business Days  subsequent to such notice) to
provide the Trustee with all documents and records  requested by it to enable it
to assume the Master Servicer's functions under this Agreement, and to cooperate
with  the  Trustee  in  effecting  the  termination  of  the  Master  Servicer's
responsibilities and rights under this Agreement, including, without limitation,
the transfer within one Business Day to the Trustee for  administration by it of
all cash amounts  which at the time shall be or should have been credited by the
Master  Servicer to the  Collection  Account  held by or on behalf of the Master
Servicer,  the Distribution Account or any REO Account or Escrow Account held by
or on behalf of the Master  Servicer or  thereafter  be received with respect to
the  Mortgage  Loans  or  any  REO  Property  serviced  by the  Master  Servicer
(provided,  however,  that the Master  Servicer shall continue to be entitled to
receive all amounts

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accrued  or  owing to it under  this  Agreement  on or prior to the date of such
termination,  whether in respect of Advances or otherwise, and shall continue to
be  entitled  to  the  benefits  of  Section  6.03,   notwithstanding  any  such
termination,  with respect to events occurring prior to such  termination).  For
purposes of this Section 7.01, the Trustee shall not be deemed to have knowledge
of a Master  Servicer  Event of  Default  unless a  Responsible  Officer  of the
Trustee  assigned to and working in the  Trustee's  Corporate  Trust  Office has
actual knowledge  thereof or unless written notice is received by the Trustee of
any such event and such  notice  references  the  Certificates,  REMIC I or this
Agreement.

      The Trustee shall be entitled to be reimbursed by the Master  Servicer (or
by the Trust Fund if the Master  Servicer is unable to fulfill  its  obligations
hereunder)  for all costs  associated  with the transfer of  servicing  from the
predecessor  servicer,  including  without  limitation,  any  costs or  expenses
associated with the complete  transfer of all servicing data and the completion,
correction  or  manipulation  of such  servicing  data as may be required by the
Trustee  to correct  any  errors or  insufficiencies  in the  servicing  data or
otherwise  to enable the  Trustee to service the  Mortgage  Loans  properly  and
effectively.

      SECTION 7.02. Trustee to Act; Appointment of Successor.

      (a) On and  after  the time  the  Master  Servicer  receives  a notice  of
termination,  the Trustee  shall be the  successor in all respects to the Master
Servicer  in its  capacity  as Master  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 and arising thereafter
placed on the Master Servicer (except for any  representations  or warranties of
the Master  Servicer  under this  Agreement,  the  responsibilities,  duties and
liabilities  contained in Section  2.03(c) and its obligation to deposit amounts
in  respect of losses  pursuant  to  Section  3.06) by the terms and  provisions
hereof including,  without limitation, the Master Servicer's obligations to make
Advances  pursuant to Section 4.03;  provided,  however,  that if the Trustee is
prohibited  by law  or  regulation  from  obligating  itself  to  make  advances
regarding  delinquent mortgage loans, then the Trustee shall not be obligated to
make Advances pursuant to Section 4.03; and provided  further,  that any failure
to perform  such  duties or  responsibilities  caused by the  Master  Servicer's
failure to provide information  required by Section 7.01 shall not be considered
a  default  by the  Trustee  as  successor  to the  Master  Servicer  hereunder;
provided,  however,  it is understood and acknowledged by the parties that there
shall be a period of  transition  (not to exceed 90 days)  before the  servicing
transfer is fully effected. As compensation  therefor,  effective from and after
the time the Master  Servicer  receives a notice of  termination  or immediately
upon  assumption  of the  obligations  to make  Advances,  the Trustee  shall be
entitled to the  Servicing Fee and all funds  relating to the Mortgage  Loans to
which the Master  Servicer  would have been  entitled if it had continued to act
hereunder  (other than amounts  which were due or would become due to the Master
Servicer prior to its termination or resignation). Notwithstanding the above and
subject to the next  paragraph,  the Trustee may, if it shall be unwilling to so
act,  or shall,  if it is unable  to so act or if it is  prohibited  by law from
making  advances  regarding  delinquent  mortgage  loans,  or if the  Holders of
Certificates  entitled  to at least 51% of the Voting  Rights,  the  Certificate
Insurer or the NIMS  Insurer so  request  in  writing  to the  Trustee  promptly
appoint or petition a court of competent jurisdiction to appoint, an established
mortgage  loan  servicing  institution  acceptable  to each Rating  Agency,  the
Certificate Insurer and the NIMS Insurer and having a net worth of not less than
$15,000,000 as the successor to the Master  Servicer under this Agreement in the

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assumption of all or any part of the responsibilities,  duties or liabilities of
the Master Servicer under this Agreement.  If no Certificate Insurer Default has
occurred and is continuing, the Certificate Insurer, subject to (d) below, shall
have the right to consent to any successor Master Servicer which the Trustee may
propose to appoint  except with respect to a proposed  successor to be appointed
by a court of  competent  jurisdiction.  No  appointment  of a successor  to the
Master  Servicer under this Agreement shall be effective until the assumption by
the  successor  of all of the  Master  Servicer's  responsibilities,  duties and
liabilities  hereunder.  In  connection  with such  appointment  and  assumption
described herein, 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 Master Servicer as such hereunder.  The Depositor, the Trustee and
such successor shall take such action,  consistent with this Agreement, as shall
be  necessary  to  effectuate  any such  succession.  Pending  appointment  of a
successor to the Master Servicer under this Agreement,  the Trustee shall act in
such capacity as hereinabove provided.

      (b) [reserved]

      (c) If the Master  Servicer is terminated  pursuant to Section 7.01,  then
the  successor  Master  Servicer  shall not be  permitted  to  reimburse  itself
directly for Advances or Servicing Advances under Section  3.05(a)(ii),  Section
3.05(a)(iii),  Section 3.05(a)(v) or Section 3.05(a)(vii) if the Master Servicer
has not been fully  reimbursed  for its Advances  and  Servicing  Advances,  but
instead  the  successor  Master  Servicer  shall  include  such  amounts  in the
applicable  remittance  to the Trustee made  pursuant to Section  3.04(g) to the
extent of amounts on deposit in the  Collection  Account on the  related  Master
Servicer  Remittance  Date.  The  Trustee  is  hereby  authorized  to pay to the
terminated  Master Servicer (or the related  Advancing Person in accordance with
Section 3.23) and the successor Master Servicer,  as applicable,  reimbursements
for Advances and Servicing  Advances from the  Distribution  Account to the same
extent each such Master  Servicer would have been permitted to reimburse  itself
for  such  Advances  and/or  Servicing   Advances  in  accordance  with  Section
3.05(a)(ii),  Section 3.05(a)(iii),  Section 3.05(a)(v) or Section 3.05(a)(vii),
as the case may be. All Advances and  Servicing  Advances  made  pursuant to the
terms of this Agreement shall be deemed made and shall be reimbursed on a "first
in-first  out" (FIFO)  basis.  At such time as the Master  Servicer  (or related
Advancing  Person) has been  reimbursed for all Advances and Servicing  Advances
made by it, the successor  Master  Servicer shall no longer be required to remit
in accordance  with the first sentence of this Section 7.02(c) and shall then be
permitted to reimburse  itself  directly for Advances and Servicing  Advances in
accordance with Section 3.05(a)(ii), Section 3.05(a)(iii), Section 3.05(a)(v) or
Section 3.05(a)(vii).

      (d)  Notwithstanding  anything contained herein, the parties hereto hereby
agree that Ameriquest  Mortgage Company shall  immediately  succeed as successor
Master Servicer if HomEq Servicing  Corporation  resigns or is removed as Master
Servicer under this Agreement, subject to removal by the Trustee upon failure to
provide to the Trustee  within 60 days,  written  notification  from each Rating
Agency to the effect that such appointment shall not cause such Rating Agency to
downgrade its then-current ratings of any Class of Certificates.

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      SECTION 7.03. Notification to Certificateholders.

      (a) Upon any termination of the Master  Servicer  pursuant to Section 7.01
above or any  appointment  of a  successor  to the Master  Servicer  pursuant to
Section 7.02 above,  the Trustee  shall give prompt  written  notice  thereof to
Certificateholders,  the  Certificate  Insurer  and the  NIMS  Insurer  at their
respective addresses appearing in the Certificate Register.

      (b) Not later than the later of 60 days after the occurrence of any event,
which  constitutes  or  which,  with  notice  or lapse  of time or  both,  would
constitute a Master  Servicer  Event of Default or five days after a Responsible
Officer of the Trustee  becomes aware of the  occurrence  of such an event,  the
Trustee shall transmit by mail to the NIMS Insurer,  the Certificate Insurer and
to all  Holders of  Certificates  notice of each such  occurrence,  unless  such
default or Master Servicer Event of Default shall have been cured or waived.

      SECTION 7.04. Waiver of Master Servicer Events of Default.

      The  Holders  representing  at least 66% of the  Voting  Rights  (with the
consent of the NIMS Insurer)  evidenced by all Classes of Certificates  affected
by any  default or Master  Servicer  Event of Default  hereunder  may waive such
default or Master Servicer Event of Default;  provided,  however, that a default
or Master  Servicer  Event of Default  under clause (i) or (vii) of Section 7.01
may be waived only by all of the Holders of the Regular  Certificates  (with the
consent  of the NIMS  Insurer).  Upon any such  waiver  of a  default  or Master
Servicer  Event of Default,  such  default or Master  Servicer  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
Master Servicer Event of Default or impair any right  consequent  thereon except
to the extent expressly so waived.

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                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE

      SECTION 8.01. Duties of Trustee.

      The Trustee, prior to the occurrence of a Master Servicer Event of Default
and after the curing of all  Master  Servicer  Events of Default  which may have
occurred,  undertakes  to  perform  such  duties  and only  such  duties  as are
specifically  set forth in this  Agreement.  During a Master  Servicer  Event of
Default,  the Trustee shall  exercise such of the rights and powers vested in it
by this  Agreement,  and use the same degree of care and skill in their exercise
as a prudent person would exercise or use under the circumstances in the conduct
of such person's own affairs.  Any permissive right of the Trustee enumerated in
this Agreement shall not be construed as a duty.

      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  on  their  face to the  requirements  of this  Agreement.  If any  such
instrument  is found  not to  conform  on its face to the  requirements  of this
Agreement in a material  manner,  the Trustee shall take such action as it deems
appropriate  to have the  instrument  corrected,  and if the  instrument  is not
corrected to its respective satisfaction,  such dissatisfied party shall provide
notice thereof to the  Certificateholders,  the Certificate Insurer and the NIMS
Insurer.

      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 misconduct; provided, however, that:

            (i) Prior to the  occurrence of a Master  Servicer Event of Default,
      and after the curing of all such Master  Servicer  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 that conform to the requirements of this
      Agreement;

            (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; and

            (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 the NIMS  Insurer  or the  Holders  of
      Certificates entitled to at least 25% of the Voting

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      Rights relating 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 it, under this Agreement.

      The  Trustee  shall  not be  required  to  expend or risk its own funds or
otherwise  incur  financial  liability in the  performance  of any of its duties
hereunder,  or in the  exercise  of any of its  rights  or  powers,  if there is
reasonable  ground for  believing  that the  repayment of such funds or adequate
indemnity  against such risk or liability is not  reasonably  assured to it, and
none of the provisions contained in this Agreement shall in any event require it
to  perform,  or be  responsible  for the manner of  performance  of, any of the
obligations  of the Master  Servicer  under this  Agreement,  except during such
time,  if any, as the Trustee  shall be the successor to, and be vested with the
rights, duties, powers and privileges of, the Master Servicer in accordance with
the terms of this Agreement.

      SECTION 8.02. Certain Matters Affecting the Trustee.

      (a) Except as otherwise provided in Section 8.01:

            (i) The Trustee may request and rely upon 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  reasonably  believed by it to be genuine
      and to have been signed or presented by the proper party or parties;

            (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 not be under any  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,  the
      Certificate  Insurer or the NIMS  Insurer,  pursuant to the  provisions of
      this Agreement, unless such Certificateholders, the Certificate Insurer or
      the NIMS  Insurer,  as  applicable,  shall  have  offered  to the  Trustee
      security or  indemnity  reasonably  satisfactory  to it 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 a Master  Servicer 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  person  would  exercise  or use  under the
      circumstances in the conduct of such person'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;

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<PAGE>

            (v) Prior to the  occurrence of a Master  Servicer  Event of Default
      hereunder  and after the curing of all Master  Servicer  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 to do so by the NIMS Insurer, the Certificate Insurer
      or the  Holders  of  Certificates  entitled  to at least 25% of the Voting
      Rights; 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 such  Certificateholders,  the
      Trustee  may  require  reasonable   indemnity  against  such  expense,  or
      liability from such  Certificateholders or the NIMS Insurer as a condition
      to taking any such action;

            (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)  The  Trustee  shall  not be  personally  liable  for any loss
      resulting from the investment of funds held in the Collection Account, the
      Escrow  Account or the REO  Account  made at the  direction  of the Master
      Servicer pursuant to Section 3.06.

      (b) All  rights  of  action  under  this  Agreement  or  under  any of the
Certificates,  enforceable  by the  Trustee,  may be  enforced by it without the
possession of any of the Certificates, or the production thereof at the trial or
other  proceeding  relating  thereto,  and any such suit,  action or  proceeding
instituted  by the  Trustee  shall be brought in the name of the Trustee for the
benefit of all the Holders of such  Certificates,  subject to the  provisions of
this Agreement.

      (c) The  Depositor  hereby  directs the  Trustee to  execute,  deliver and
perform  its  obligations  under  the Cap  Contracts  on the  Closing  Date  and
thereafter on behalf of the Holders of the Class A-1 Certificates,  the Group II
Certificates  and the Mezzanine  Certificates.  The Seller,  the Depositor,  the
Master  Servicer  and the  Holders of the Class A-1  Certificates,  the Group II
Certificates  and  the  Mezzanine  Certificates  by  their  acceptance  of  such
Certificates,  acknowledge and agree that the Trustee shall execute, deliver and
perform its  obligations  under the Cap  Contracts and shall do so solely in its
capacity as Trustee of the Trust Fund and not in its individual capacity.

      SECTION 8.03. The Trustee Not Liable for Certificates or Mortgage Loans.

      The  recitals  contained  herein and in the  Certificates  (other than the
signature of the Trustee, the authentication of the Certificate Registrar on the
Certificates, the acknowledgments of the Trustee contained in Article II and the
representations and warranties of the Trustee in Section 8.13) shall be taken as
the statements of the Depositor and the Trustee  assumes no  responsibility  for
their correctness.  The Trustee makes no representations or warranties as to the
validity or sufficiency of this Agreement  (other than as specifically set forth
with respect to such party in Section 8.13) or of the  Certificates  (other than
the signature of the Trustee and authentication of the Certificate  Registrar on
the Certificates) or of any Mortgage Loan or related document. The Trustee shall
not be accountable for the use or application by the

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Depositor of any of the Certificates or of the proceeds of such Certificates, or
for the use or  application  of any funds  paid to the  Depositor  or the Master
Servicer in respect of the Mortgage  Loans or deposited in or withdrawn from the
Collection Account by the Master Servicer,  other than, subject to Section 8.01,
any funds held by or on behalf of the Trustee in accordance with Section 3.04.

      SECTION 8.04. Trustee May Own Certificates.

      The Trustee in its  individual  capacity 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. Trustee's Fees and Expenses.

      (a) On each Distribution Date reinvestment earnings on funds on deposit in
the Distribution Account, which have been earned during the period commencing on
the related  Master  Servicer  Remittance  Date and ending on such  Distribution
Date,  shall  be  paid  to the  Trustee  as  compensation  for  its  duties  and
obligations  under  this  Agreement  and the  Trustee  shall  withdraw  from the
Distribution Account (but not from such reinvestment  earnings) amounts required
to pay the  Custodian  the  Custodian  Fee or to  reimburse  the  Custodian  for
expenses,  costs  and  liabilities  incurred  or  reimbursable  to it,  as  such
Custodian Fee and expenses  (listed  separately) are set forth in writing by the
Custodian  to the  Trustee by the  related  Determination  Date  pursuant to the
Custodial Agreement. The Trustee, or any director, officer, employee or agent of
the Trustee shall be indemnified by REMIC I and held harmless  against any loss,
liability  or  expense  (not  including  expenses,  disbursements  and  advances
incurred or made by the Trustee (including the compensation and the expenses and
disbursements of its agents and counsel) in the ordinary course of the Trustee's
performance in accordance with the provisions of this Agreement) incurred by the
Trustee arising out of or in connection with the acceptance or administration of
its obligations and duties under this Agreement,  other than any loss, liability
or expense (i) resulting from a breach of the Master Servicer's  obligations and
duties  under  this  Agreement  and the  Mortgage  Loans  (for  which the Master
Servicer shall indemnify  pursuant to Section 8.05(b)),  (ii) that constitutes a
specific  liability  of the Trustee  pursuant  to Section  10.01(c) or (iii) any
loss,  liability or expense incurred by reason of its willful  misfeasance,  bad
faith or negligence in the  performance of its duties  hereunder or by reason of
reckless  disregard of its obligations and duties  hereunder or as a result of a
breach of its  obligations  under Article X hereof.  Any amounts  payable to the
Trustee, or any director,  officer,  employee or agent of the Trustee in respect
of the indemnification  provided by this paragraph (a), or pursuant to any other
right of  reimbursement  from the Trust Fund that the Trustee,  or any director,
officer,  employee or agent of the Trustee may have hereunder in its capacity as
such, may be withdrawn by the Trustee from the Distribution Account at any time.

      (b) The Master  Servicer agrees to indemnify the Trustee from, and hold it
harmless against,  any loss, liability or expense resulting from a breach of the
Master  Servicer's  obligations and duties under this Agreement.  Such indemnity
shall survive the termination or discharge of this Agreement and the resignation
or removal of the Trustee.  Any payment hereunder made by the Master Servicer to
the Trustee shall be from the Master Servicer's own funds, without reimbursement
from the Trust Fund therefor.

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      (c) The  Seller  shall pay any  annual  rating  agency  fees of the Rating
Agencies  for  ongoing   surveillance  from  its  own  funds  without  right  or
reimbursement.

      SECTION 8.06. Eligibility Requirements for Trustee.

      The  Trustee  hereunder  shall  at  all  times  be  a  corporation  or  an
association  (other than the Depositor,  the Seller,  the Master Servicer or any
Affiliate of the  foregoing)  organized and doing business under the laws of any
state or the United  States of America,  authorized  under such laws to exercise
corporate  trust  powers,  having a  combined  capital  and  surplus of at least
$50,000,000  and  subject  to  supervision  or  examination  by federal or state
authority. If such corporation or association publishes reports of conditions at
least  annually,  pursuant  to  law  or to the  requirements  of  the  aforesaid
supervising  or examining  authority,  then for the purposes of this Section the
combined capital and surplus of such corporation or association  shall be deemed
to be its combined capital and surplus as set forth in its most recent report of
conditions  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.

      The Trustee may at any time resign and be discharged from the trust hereby
created by giving written notice thereof to the Depositor, the NIMS Insurer, the
Certificate  Insurer,  the  Master  Servicer  and the  Certificateholders.  Upon
receiving such notice of resignation of the Trustee,  the Depositor shall,  with
the  Certificate  Insurer's  consent,   promptly  appoint  a  successor  trustee
acceptable  to the NIMS  Insurer  by written  instrument,  in  duplicate,  which
instrument  shall be delivered  to the  resigning  Trustee and to the  successor
trustee. A copy of such instrument shall be delivered to the Certificateholders,
the Certificate Insurer, the Trustee and the Master Servicer by the Depositor.

      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 Depositor, the Certificate Insurer or the NIMS Insurer, 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  respective
property shall be appointed,  or any public officer shall take charge or control
of the  Trustee or of its  respective  property  or affairs  for the  purpose of
rehabilitation,  conservation  or  liquidation,  then the  Depositor or the NIMS
Insurer may remove the Trustee and appoint a successor trustee acceptable to the
NIMS Insurer and the Certificate  Insurer by written  instrument,  in duplicate,
which  instrument  shall be  delivered  to the  Trustee  so  removed  and to the
successor  trustee.  A  copy  of  such  instrument  shall  be  delivered  to the
Certificateholders,  the  Certificate  Insurer  and the Master  Servicer  by the
Depositor.

      If no successor  Trustee shall have been so appointed and having  accepted
appointment within 25 days after the giving of such notice of resignation,  then
the Certificate  Insurer may appoint a successor Trustee  acceptable to the NIMS
Insurer.  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.

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      The Holders of Certificates  entitled to at least 51% of the Voting Rights
(or the NIMS  Insurer  upon  failure of the Trustee to perform  its  obligations
hereunder)  may at any time remove the  Trustee and appoint a successor  trustee
acceptable to the NIMS Insurer and the Certificate Insurer 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
Depositor,  one  complete  set to the Trustee so removed and one complete set to
the successor so appointed.  A copy of such instrument shall be delivered to the
Certificateholders and the Master Servicer by the Depositor.

      Any  resignation or removal of the Trustee and  appointment of a successor
trustee  pursuant  to any of the  provisions  of this  Section  shall not become
effective until  acceptance of appointment by the successor  trustee as provided
in Section 8.08.

      SECTION 8.08. Successor Trustee.

      Any successor trustee appointed as provided in Section 8.07 shall execute,
acknowledge  and deliver to the  Depositor,  the NIMS Insurer,  the  Certificate
Insurer (with a copy to the Master  Servicer) 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  without any further act, deed or conveyance,  shall become fully vested
with  all  the  rights,  powers,  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,  as  well  as all  moneys,  held by it
hereunder (other than any Mortgage Files at the time held by a Custodian,  which
Custodian shall become the agent of any successor  trustee  hereunder),  and the
Depositor 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.

      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 and the  appointment  of such  successor
trustee shall not result in a downgrading of any Class of Certificates  (without
regard to the Certificate  Insurance Policy) by each Rating Agency, as evidenced
by a letter from each Rating Agency.

      Upon acceptance of appointment by a successor  trustee as provided in this
Section,  the  Depositor  shall mail notice of the  succession  of such  trustee
hereunder to the  Certificate  Insurer and all Holders of  Certificates at their
addresses as shown in the Certificate  Register.  If the Depositor 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 Depositor.

      In the event that a successor  trustee is appointed as provided in Section
8.07, the parties  hereto agree that, as  compensation  for such services,  such
successor  trustee may be entitled to receive a fee on each Distribution Date in
an amount up to 0.005% per annum (the "Trustee Fee Rate")  accrued for one month
multiplied  by the  sum of the  aggregate  Scheduled  Principal  Balance  of the
Mortgage Loans and any REO Properties as of the second preceding

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Due Date (or, in the case of the initial  Distribution  Date,  as of the Cut-off
Date),  calculated  on the basis of a 360-day year  consisting  of twelve 30-day
months.

      SECTION 8.09. Merger or Consolidation of Trustee.

      Any  corporation  or  association  into which the Trustee may be merged or
converted or with which it may be consolidated or any corporation or association
resulting  from any merger,  conversion  or  consolidation  to which the Trustee
shall be a party, or any  corporation or association  succeeding to the business
of the Trustee  shall be the successor of the Trustee  hereunder,  provided such
corporation  or  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.

      SECTION 8.10. Appointment of Co-Trustee or Separate Trustee.

      Notwithstanding  any other provisions hereof, at any time, for the purpose
of meeting any legal requirements of any jurisdiction in which any part of REMIC
I 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,
the  Certificate   Insurer  and  the  NIMS  Insurer  to  act  as  co-trustee  or
co-trustees, jointly with the Trustee, or separate trustee or separate trustees,
of all or any part of REMIC I, and to vest in such  Person or  Persons,  in such
capacity,  such title to REMIC I, 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.  Any such  co-trustee  or  separate  trustee  shall be subject to the
written  approval of the Master Servicer,  the Certificate  Insurer and the NIMS
Insurer.  If the Master Servicer,  the Certificate  Insurer and the NIMS Insurer
shall not have joined in such appointment within 15 days after the receipt by it
of a request so to do, or in case a Master  Servicer 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 the Holders of  Certificates  of the  appointment  of
co-trustee(s)  or separate  trustee(s)  shall be  required  under  Section  8.08
hereof.

      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  by the  Trustee  (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
REMIC I 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.

      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

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Agreement and the  conditions of this Article  VIII.  Each separate  trustee and
co-trustee, upon its acceptance of the trust conferred, shall be vested with the
estates or property  specified in its instrument of appointment,  either jointly
with the Trustee or separately,  as may be provided therein,  subject to all the
provisions of this  Agreement,  specifically  including  every provision of this
Agreement  relating to the conduct of,  affecting the liability of, or affording
protection  to,  the  Trustee.  Every  such  instrument  shall be filed with the
Trustee and a copy thereof  given to the  Depositor,  the Master  Servicer,  the
Certificate Insurer and the NIMS Insurer.

      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 Depositor and the Master Servicer
appoint one or more Custodians to hold all or a portion of the Mortgage Files as
agent for the Trustee, by entering into a Custodial  Agreement.  The appointment
of any  Custodian  may at any  time be  terminated  and a  substitute  Custodian
appointed  therefor upon the  reasonable  request of the Master  Servicer to the
Trustee, the consent to which shall not be unreasonably  withheld.  The Trustee,
on behalf  of the Trust  Fund,  shall pay any and all fees and  expenses  of the
Custodian  in  accordance  with Section 8.05 and the  Custodial  Agreement.  The
Trustee initially appoints the Custodian as Custodian, and the Depositor and the
Master Servicer consent to such appointment. Subject to Article VIII hereof, 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  having an interest in any Mortgage File held by such
Custodian.  Each  Custodian  shall be a depository  institution  approved by the
Certificate  Insurer or trust company subject to supervision by federal or state
authority,  shall have combined capital and surplus of at least  $10,000,000 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. In no event shall the appointment of any Custodian  pursuant to a
Custodial Agreement diminish the obligations of the Trustee hereunder.

      SECTION 8.12. Appointment of Office or Agency.

      The Trustee shall designate an office or agency where the Certificates may
be surrendered for registration of transfer or exchange, and presented for final
distribution, and where notices and demands to or upon the Trustee in respect of
the  Certificates  and this Agreement may be delivered.  As of the Closing Date,
the Trustee designates its Corporate Trust Office in Minneapolis, Minnesota.

      SECTION 8.13. Representations and Warranties of the Trustee.

      The Trustee hereby  represents and warrants,  to the Master Servicer,  the
Certificate Insurer and the Depositor, as of the Closing Date, that:

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            (i) It is a national  banking  association  duly organized,  validly
      existing and in good standing under the laws of the United States.

            (ii) The  execution  and  delivery of this  Agreement by it, and the
      performance  and compliance  with the terms of this Agreement by it, shall
      not  violate its  charter or bylaws or  constitute  a default (or an event
      which,  with notice or lapse of time, or both, would constitute a default)
      under,  or  result in the  breach  of,  any  material  agreement  or other
      instrument  to which it is a party or which is  applicable to it or any of
      its assets.

            (iii)  It has the  full  power  and  authority  to  enter  into  and
      consummate  all  transactions  contemplated  by this  Agreement,  has duly
      authorized the execution,  delivery and performance of this Agreement, and
      has duly executed and delivered this Agreement.

            (iv) This  Agreement,  assuming  due  authorization,  execution  and
      delivery  by the other  parties  hereto,  constitutes  a valid,  legal and
      binding  obligation of it,  enforceable  against it in accordance with the
      terms  hereof,   subject  to  (A)   applicable   bankruptcy,   insolvency,
      receivership,  reorganization,  moratorium  and other laws  affecting  the
      enforcement of creditors' rights generally,  and (B) general principles of
      equity,  regardless  of  whether  such  enforcement  is  considered  in  a
      proceeding in equity or at law.

            (v) It is not in  violation  of, and its  execution  and delivery of
      this Agreement and its  performance  and compliance with the terms of this
      Agreement  shall not  constitute  a  violation  of, any law,  any order or
      decree of any court or arbiter, or any order,  regulation or demand of any
      federal,  state or  local  governmental  or  regulatory  authority,  which
      violation,  in its good faith and reasonable judgment, is likely to affect
      materially  and  adversely  either  the  ability  of  it  to  perform  its
      obligations under this Agreement or its financial condition.

            (vi) No litigation is pending or, to the best knowledge,  threatened
      against it which would  prohibit it from entering into this  Agreement or,
      in its good  faith  reasonable  judgment,  is  likely  to  materially  and
      adversely affect either its ability to perform its obligations  under this
      Agreement or its financial condition.

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                                   ARTICLE IX

                                   TERMINATION

      SECTION 9.01.  Termination  Upon Repurchase or Liquidation of All Mortgage
Loans.

      (a)   Subject  to   Section   9.02,   the   respective   obligations   and
responsibilities under this Agreement of the Depositor,  the Master Servicer and
the Trustee (other than the  obligation of the Trustee to make certain  payments
to  Certificateholders  after the final  Distribution Date and the obligation of
the Master  Servicer to send  certain  notices as  hereinafter  set forth) shall
terminate upon payment to the  Certificateholders and the deposit of all amounts
held by or on behalf of the  Trustee  and  required  hereunder  to be so paid or
deposited on the  Distribution  Date coinciding with or following the earlier to
occur of (i) the purchase by the  Terminator  (as defined below) of all Mortgage
Loans and each REO Property  remaining in REMIC I and (ii) the final  payment or
other  liquidation  (or any advance with respect  thereto) of the last  Mortgage
Loan or REO Property remaining in REMIC I; 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.  The  purchase  by the  Terminator  of all  Mortgage  Loans and each REO
Property  remaining  in REMIC I shall be at a price  (the  "Termination  Price")
equal to greater of (A) the aggregate  fair market value of all of the assets of
REMIC I and (B) the sum of the Stated  Principal  Balance of the Mortgage  Loans
(after giving  effect to scheduled  payments of principal due during the related
Due Period, to the extent received or advanced,  and unscheduled  collections of
principal  received during the related Prepayment Period) and the appraised fair
market value of the REO Properties plus accrued  interest through the end of the
calendar  month  preceding  the  month of the  final  Distribution  Date and any
unreimbursed  Servicing  Fees,  Advances and Servicing  Advances (in the case of
fair  market  values  required  to be  determined  under  (A) or (B)  above,  as
determined by the Terminator, the Trustee and, if the Terminator is not the NIMS
Insurer, the NIMS Insurer, as of the close of business on the third Business Day
next  preceding the date upon which notice of any such  termination is furnished
to  Certificateholders  pursuant to the third  paragraph of this Section  9.01);
provided, however, such option may only be exercised if the Termination Price is
sufficient  to pay (i) any amounts  owed to the  Certificate  Insurer  under the
Insurance  Agreement  and (ii)  all  interest  accrued  on,  as well as  amounts
necessary to retire the note balance of, each class of notes issued  pursuant to
the Indenture and any amounts owed to the NIMS Insurer at the time the option is
exercised.  If a termination pursuant to this Section 9.01(a) or Section 9.01(b)
will result in a claim under the Certificate  Insurance  Policy or if any amount
owed  to the  Certificate  Insurer  will  not be  fully  reimbursed  after  such
termination,  the consent of the Certificate  Insurer shall be required prior to
the Terminator exercising such option.

      (b)  Holders  of at  least  76% of the  Voting  Rights  of  the  Class  CE
Certificates,  the Master  Servicer (or if the Master Servicer fails to exercise
such right,  the NIMS Insurer),  in that order,  shall have the right (the party
exercising such right, the "Terminator"),  to purchase all of the Mortgage Loans
and  each REO  Property  remaining  in REMIC I  pursuant  to  clause  (i) of the
preceding   paragraph  no  later  than  the  Determination  Date  in  the  month
immediately  preceding the Distribution Date on which the Certificates  shall be
retired; provided, however,

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that the Terminator may elect to purchase all of the Mortgage Loans and each REO
Property  remaining  in REMIC I  pursuant  to clause  (i) above  only (A) if the
aggregate Stated  Principal  Balance of the Mortgage Loans and each REO Property
remaining in the Trust Fund at the time of such election is less than 10% of the
aggregate Stated Principal  Balance of the Mortgage Loans as of the Cut-off Date
and (B) if the  Terminator  is the Master  Servicer  and is an  affiliate of the
Seller, the Master Servicer shall have delivered to the Trustee, the Certificate
Insurer  and the NIMS  Insurer  a  written  certification  that the  burdens  of
servicing the Mortgage Loans and REO Properties  remaining in REMIC I exceed the
benefits of the Servicing Fees that would be realized by the Master  Servicer if
it continued to service such assets on behalf of the Trust Fund.  By  acceptance
of the Residual Certificates, the Holders of the Residual Certificates agree, in
connection with any termination hereunder, to assign and transfer any amounts in
excess of par, and to the extent received in respect of such termination, to pay
any such amounts to the Holders of the Class CE Certificates.

      (c) Notice of the  liquidation of the REMIC I Regular  Interests  shall be
given  promptly  by  the  Trustee  by  letter  to  Certificateholders   and  the
Certificate  Insurer  mailed (a) in the event such notice is given in connection
with the purchase of the Mortgage Loans and each REO Property by the Terminator,
not earlier  than the 15th day and not later than the 25th day of the month next
preceding  the  month  of the  final  distribution  on the  Certificates  or (b)
otherwise  during  the  month  of  such  final  distribution  on or  before  the
Determination  Date in such month, in each case specifying (i) the  Distribution
Date upon which the Trust Fund shall  terminate  and final payment in respect of
the  REMIC  I  Regular  Interests,  the  REMIC  II  Regular  Interests  and  the
Certificates  shall be made  upon  presentation  and  surrender  of the  related
Certificates at the office of the Trustee therein designated, (ii) the amount of
any such final  payment,  (iii) that no interest  shall accrue in respect of the
REMIC I Regular  Interests,  the REMIC II Regular  Interests or the Certificates
from and after the Interest  Accrual Period  relating to the final  Distribution
Date  therefor  and (iv)  that the  Record  Date  otherwise  applicable  to such
Distribution Date is not applicable,  payments being made only upon presentation
and  surrender of the  Certificates  at the office of the  Trustee.  The Trustee
shall give such notice to the  Certificate  Registrar at the time such notice is
given to  Certificateholders.  In the event such  notice is given in  connection
with the purchase of all of the Mortgage  Loans and each REO Property  remaining
in REMIC I by the  Terminator,  the Terminator  shall deliver to the Trustee for
deposit  in the  Distribution  Account  not  later  than the last  Business  Day
preceding  the  final  Distribution  Date  on  the  Certificates  an  amount  in
immediately  available funds equal to the  above-described  purchase price. Upon
the making of such final deposit, the Trustee shall promptly release or cause to
be released to the  Terminator  the Mortgage  Files for the  remaining  Mortgage
Loans,  and the Trustee shall execute all  assignments,  endorsements  and other
instruments necessary to effectuate such transfer.

      (d) Upon presentation of the Certificates by the Certificateholders on the
final Distribution Date, the Trustee shall distribute to each  Certificateholder
so  presenting  and   surrendering   its   Certificates   the  amount  otherwise
distributable  on such  Distribution  Date in  accordance  with  Section 4.01 in
respect  of the  Certificates  so  presented  and  surrendered.  Any  funds  not
distributed  to any  Holder or  Holders of  Certificates  being  retired on such
Distribution  Date  because of the  failure of such  Holder or Holders to tender
their  Certificates  shall,  on such date, be set aside and held in trust by the
Trustee and credited to the account of the appropriate  non-tendering  Holder or
Holders.  On the final  Distribution  Date,  the  Trustee  shall  withdraw  from
Available  Funds  to pay to the  Certificate  Insurer  all  amounts  owed to the
Certificate

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Insurer,  if any,  pursuant to the  priorities set forth in Section 4.01 of this
Agreement.  If any  Certificates  as to which notice has been given  pursuant to
this Section 9.01 shall not have been  surrendered for  cancellation  within six
months after the time specified in such notice,  the Trustee shall mail a second
notice to the  remaining  non-tendering  Certificateholders  to surrender  their
Certificates  for cancellation in order to receive the final  distribution  with
respect  thereto.   If  within  one  year  after  the  second  notice  all  such
Certificates  shall not have been  surrendered  for  cancellation,  the  Trustee
shall,  directly or through an agent,  mail a final notice to remaining  related
non-tendering Certificateholders concerning surrender of their Certificates. The
costs and  expenses of  maintaining  the funds in trust and of  contacting  such
Certificateholders shall be paid out of the assets remaining in the trust funds.
If within one year after the final notice any such  Certificates  shall not have
been surrendered for cancellation, the Trustee shall pay any amounts paid by the
Certificate  Insurer (but only if the  non-surrendered  Certificates are Insured
Certificates)  to the Certificate  Insurer and to the Underwriters all remaining
amounts,  and  all  rights  of  non-tendering  Certificateholders  in or to such
amounts shall  thereupon  cease.  No interest  shall accrue or be payable to any
Certificateholder on any amount held in trust by the Trustee as a result of such
Certificateholder's  failure to surrender its  Certificate(s)  for final payment
thereof in accordance with this Section 9.01.

      Immediately  following the deposit of funds in trust  hereunder in respect
of the Certificates, the Trust Fund shall terminate.

      SECTION 9.02. Additional Termination Requirements.

      (a) In the event that the Terminator  purchases all the Mortgage Loans and
each REO  Property  or the final  payment  on or other  liquidation  of the last
Mortgage Loan or REO Property remaining in REMIC I pursuant to Section 9.01, the
Trust Fund shall be  terminated  in  accordance  with the  following  additional
requirements:

            (i)  The  Trustee   shall  specify  the  first  day  in  the  90-day
      liquidation period in a statement attached to each Trust REMIC's final Tax
      Return pursuant to Treasury  regulation Section 1.860F-1 and shall satisfy
      all requirements of a qualified liquidation under Section 860F of the Code
      and any  regulations  thereunder,  as  evidenced  by an Opinion of Counsel
      obtained at the expense of the Terminator;

            (ii) During 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 all of the assets of REMIC I to the Terminator for cash; and

            (iii)  At  the  time  of the  making  of the  final  payment  on the
      Certificates,  the  Trustee  shall  distribute  or credit,  or cause to be
      distributed or credited,  to the Holders of the Residual  Certificates all
      cash on hand in the Trust Fund (other than cash  retained to meet claims),
      and the Trust Fund shall terminate at that time.

      (b) At the  expense  of the  applicable  Terminator  (or in the  event  of
termination  under  Section  9.01(a)(ii),  at the expense of the  Trustee),  the
Trustee  shall  prepare or cause to be prepared  the  documentation  required in
connection  with the  adoption  of a plan of  liquidation  of each  Trust  REMIC
pursuant to this Section 9.02.

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<PAGE>

      (c) By their acceptance of Certificates,  the Holders thereof hereby agree
to authorize the Trustee to specify the 90-day liquidation period for each Trust
REMIC   which    authorization    shall   be   binding   upon   all    successor
Certificateholders.

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                                    ARTICLE X

                                REMIC PROVISIONS

      SECTION 10.01. REMIC Administration.

      (a) The Trustee shall elect to treat each Trust REMIC as a REMIC under the
Code and, if necessary,  under applicable state law. Each such election shall be
made by the Trustee on Form 1066 or other appropriate federal tax or information
return or any  appropriate  state return for the taxable year ending on the last
day of the calendar year in which the Certificates are issued and copies of such
forms and  election  shall be  furnished  to the  Certificate  Insurer.  For the
purposes  of the REMIC  election  in respect of REMIC I, (i) the REMIC I Regular
Interests shall be designated as the Regular  Interests in REMIC I and the Class
R-I Interest  shall be designated as the Residual  Interest in REMIC I, (ii) the
Class A Certificates,  the Mezzanine Certificates, the Class CE Interest and the
Class P Interest  shall be designated  as the Regular  Interests in REMIC II and
the Class R-II Interest  shall be  designated as the Residual  Interest in REMIC
II, (iii) the Class CE Certificates shall be designated as the Regular Interests
in REMIC III and the Class R-III  Interest  shall be  designated as the Residual
Interest in REMIC III and (iv) the Class P  Certificates  shall be designated as
the  Regular  Interests  in  REMIC  IV and the  Class  R-IV  Interest  shall  be
designated  as the Residual  Interest in REMIC IV. The Trustee  shall not permit
the  creation  of any  "interests"  in any Trust  REMIC  (within  the meaning of
Section 860G of the Code) other than the REMIC I Regular Interests, the Class CE
Interest,   the  Class  P  Interest  and  the  interests   represented   by  the
Certificates.

      (b) The Closing Date is hereby  designated  as the  "Startup  Day" of each
Trust REMIC within the meaning of Section 860G(a)(9) of the Code.

      (c) The  Trustee  shall  pay out of its own  funds,  without  any right of
reimbursement,  any and all expenses relating to any tax audit of the Trust Fund
caused by the Trustee  (including,  but not limited to, any professional fees or
any administrative or judicial  proceedings with respect to any Trust REMIC that
involve the Internal Revenue Service or state tax  authorities),  other than the
expense of  obtaining  any tax related  Opinion of Counsel  except as  specified
herein. The Trustee,  as agent for each Trust REMIC's tax matters person,  shall
(i) act on behalf of the Trust Fund in relation to any tax matter or controversy
involving   any  Trust  REMIC  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 Holder of the largest
Percentage Interest of each Class of Residual  Certificates shall be designated,
in the manner  provided  under  Treasury  regulations  section  1.860F-4(d)  and
Treasury regulations section 301.6231(a)(7)-1,  as the tax matters person of the
related REMIC created hereunder.  By their acceptance thereof, the Holder of the
largest  Percentage  Interest  of the  Residual  Certificates  hereby  agrees to
irrevocably  appoint the Trustee or an  Affiliate as its agent to perform all of
the duties of the tax matters person for the Trust Fund.

      (d) The  Trustee  shall  prepare,  sign and file all of the Tax Returns in
respect of each REMIC created  hereunder and furnish  copies to the  Certificate
Insurer. The expenses of preparing and filing such returns shall be borne by the
Trustee without any right of reimbursement  therefor.  The Master Servicer shall
provide on a timely basis to the Trustee or its

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designee such  information with respect to the assets of the Trust Fund as is in
its possession  and  reasonably  required by the Trustee to enable it to perform
its obligations under this Article.

      (e) The Trustee  shall perform on behalf of each Trust REMIC all reporting
and other tax compliance duties that are the  responsibility of such REMIC under
the Code,  the  REMIC  Provisions  or other  compliance  guidance  issued by the
Internal Revenue Service or any state or local taxing authority. Among its other
duties,  as required by the Code, the REMIC  Provisions or other such compliance
guidance,  the  Trustee  shall  provide  (i) to  any  Transferor  of a  Residual
Certificate  such  information  as is necessary for the  application  of any tax
relating to the  transfer of a Residual  Certificate  to any Person who is not a
Permitted Transferee, (ii) 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 as required) and (iii) to the Internal Revenue Service the
name,  title,  address and telephone number of the person who shall serve as the
representative  of each Trust  REMIC.  The Master  Servicer  shall  provide on a
timely basis to the Trustee such  information  with respect to the assets of the
Trust Fund,  including,  without  limitation,  the Mortgage  Loans, as is in its
possession  and  reasonably  required  by the  Trustee to enable each of them to
perform their respective  obligations  under this subsection.  In addition,  the
Depositor  shall  provide  or  cause  to be  provided  to the  Trustee  and  the
Certificate Insurer within ten (10) days after the Closing Date, all information
or data that the Trustee  reasonably  determines to be relevant for tax purposes
as to the valuations and issue prices of the  Certificates,  including,  without
limitation,  the price, yield,  prepayment assumption and projected cash flow of
the Certificates.

      (f) The Trustee  shall take such action and shall cause each REMIC created
hereunder  to take such action as shall be  necessary  to create or maintain the
status thereof as a REMIC under the REMIC  Provisions  (and the Master  Servicer
shall assist it, to the extent  reasonably  requested by it). The Trustee  shall
not take any action, cause the Trust Fund to take any action or fail to take (or
fail to cause to be taken) any action that, under the REMIC Provisions, if taken
or not taken,  as the case may be,  could (i)  endanger  the status of any Trust
REMIC as a REMIC or (ii) 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 set forth
in Section  860G(d) of the Code) (either such event,  an "Adverse  REMIC Event")
unless the Trustee,  the Certificate  Insurer and the NIMS Insurer have received
an Opinion of  Counsel,  addressed  to the  Trustee,  the NIMS  Insurer  and the
Certificate Insurer (at the expense of the party seeking to take such action but
in no event at the expense of the  Trustee) to the effect that the  contemplated
action  shall not,  with  respect to any Trust  REMIC,  endanger  such status or
result in the  imposition  of such a tax, nor shall the Master  Servicer take or
fail to take any action  (whether or not  authorized  hereunder) as to which the
Trustee,  the Certificate Insurer and the NIMS Insurer 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 Trust  REMIC or the  respective  assets of each,  or
causing any Trust REMIC to take any action,  which is not contemplated under the
terms of this Agreement, the Master Servicer shall consult with the Trustee, the
NIMS Insurer, the Certificate Insurer or its designee,  in writing, with respect
to whether such action could cause an Adverse  REMIC Event to occur with respect
to any Trust REMIC,  and the Master  Servicer  shall not take any such action or
cause any Trust REMIC to

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take any such action as to which the  Trustee,  the  Certificate  Insurer or the
NIMS Insurer has advised it in writing that an Adverse  REMIC Event could occur.
The  Trustee,  the  Certificate  Insurer or the NIMS  Insurer 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  permitted  by this  Agreement,  but in no
event shall such cost be an expense of the Trustee. The Trustee,  upon discovery
that any of the  Mortgage  Loans is not a  "qualified  mortgage"  as  defined in
Section  860G(a)(3)  of the Code,  shall  enforce  the  Seller's  obligation  to
repurchase  or substitute  such  Mortgage Loan in accordance  with the terms and
provisions  of the Mortgage Loan  Purchase  Agreement.  The Trustee shall at all
times  ensure that all of the assets of any Trust REMIC (other than the Mortgage
Loans) are "permitted investments" as defined in Section 860G(a)(5) of the Code,
as applicable.

      (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 the
"net  income  from  foreclosure  property"  of 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 Trustee  pursuant to Section  10.03 hereof,
if such tax arises out of or results  from a breach by the Trustee of any of its
obligations  under  this  Article  X, (ii) to the Master  Servicer  pursuant  to
Section 10.03 hereof,  if such tax arises out of or results from a breach by the
Master Servicer of any of its  obligations  under Article III or this Article X,
or otherwise  (iii) against amounts on deposit in the  Distribution  Account and
shall be paid by withdrawal therefrom.

      (h) On or before April 15th of each calendar  year,  commencing  April 15,
2005, the Trustee shall deliver to the Master  Servicer,  the NIMS Insurer,  the
Certificate  Insurer and each Rating  Agency a  Certificate  from a  Responsible
Officer of the Trustee stating,  without regard to any action taken by any party
other than the Trustee, the Trustee's compliance with this Article X.

      (i) The Trustee shall, for federal income tax purposes, maintain books and
records  with  respect to each Trust REMIC on a calendar  year and on an accrual
basis.  The Trustee  shall apply for an Employer  Identification  Number for the
Trust Fund from the Internal  Revenue Service via a Form SS-4 or such other form
as is appropriate.

      (j)   Following  the  Startup  Day,  the  Trustee  shall  not  accept  any
contributions  of assets to any Trust  REMIC other than in  connection  with any
Qualified  Substitute  Mortgage Loan  delivered in accordance  with Section 2.03
unless it shall have  received  an  Opinion  of  Counsel to the effect  that the
inclusion of such assets in the Trust Fund shall not cause the related  REMIC to
fail to qualify as a REMIC at any time that any  Certificates are outstanding or
subject  such REMIC to any tax under the REMIC  Provisions  or other  applicable
provisions of federal, state and local law or ordinances.

      (k)  Neither  the  Trustee  nor the Master  Servicer  shall enter into any
arrangement  by which any Trust REMIC shall receive a fee or other  compensation
for  services  nor permit any such REMIC to receive any income from assets other
than the Mortgage Pool

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which are  deemed to  constitute  "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.

      SECTION 10.02. Prohibited Transactions and Activities.

      None of the  Depositor,  the Master  Servicer or the  Trustee  shall sell,
dispose of or  substitute  for any of the Mortgage  Loans  (except in connection
with (i) the  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 REMIC I, (iii) the  termination of REMIC I
pursuant  to Article  IX of this  Agreement,  (iv) a  substitution  pursuant  to
Article II of this  Agreement  or (v) a purchase of Mortgage  Loans  pursuant to
Article II or III of this Agreement),  or acquire any assets for any Trust REMIC
(other than REO Property  acquired in respect of a defaulted  Mortgage Loan), or
sell or dispose of any investments in the Collection Account or the Distribution
Account  for gain,  or accept any  contributions  to any Trust  REMIC  after the
Closing  Date (other than a Qualified  Substitute  Mortgage  Loan  delivered  in
accordance  with  Section  2.03),  unless it has received an Opinion of Counsel,
addressed to the Trustee,  the Certificate  Insurer and the NIMS Insurer (at the
expense of the party  seeking to cause  such  sale,  disposition,  substitution,
acquisition or contribution  but in no event at the expense of the Trustee) that
such sale, disposition,  substitution, acquisition or contribution shall not (a)
affect adversely the status of any Trust REMIC as a REMIC or (b) cause any Trust
REMIC to be subject to a tax on  "prohibited  transactions"  or  "contributions"
pursuant to the REMIC Provisions.

      SECTION 10.03. Master Servicer and Trustee Indemnification.

      (a) The Trustee agrees to indemnify the Trust Fund, the NIMS Insurer,  the
Certificate  Insurer,  the Depositor  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 Depositor or the Master Servicer,  caused solely
by the  Trustee's  failure to act in  accordance  with its  standard of care set
forth in this Article X or any state,  local or franchise taxes imposed upon the
Trust as a result of the location of the Trustee.

      (b)  The  Master   Servicer  agrees  to  indemnify  the  Trust  Fund,  the
Certificate  Insurer,  the NIMS  Insurer,  the Depositor and the Trustee for any
taxes and costs including,  without limitation,  any reasonable  attorneys' fees
imposed on or incurred by the Trust Fund,  the  Depositor or the  Trustee,  as a
result of a breach of the Master  Servicer's  covenants set forth in Article III
or this Article X or any state,  local or franchise taxes imposed upon the Trust
as a result of the location of the Master Servicer or any subservicer.

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                                   ARTICLE XI

                            MISCELLANEOUS PROVISIONS

      SECTION 11.01. Amendment.

      This Agreement or any Custodial Agreement may be amended from time to time
by the  Depositor,  the Master  Servicer,  the Trustee and, if  applicable,  the
Custodian,  with the consent of the NIMS  Insurer and without the consent of any
of the Certificateholders, (i) to cure any ambiguity or defect, (ii) to correct,
modify or  supplement  any  provisions  herein  (including to give effect to the
expectations of Certificateholders),  or in any Custodial Agreement, or (iii) to
make any other  provisions  with respect to matters or questions  arising  under
this Agreement,  the Certificate  Insurance Policy or in any Custodial Agreement
which shall not be  inconsistent  with the  provisions of this Agreement or such
Custodial Agreement, provided that such action shall not adversely affect in any
material respect the interests of any Certificateholder,  as evidenced by either
(i) an Opinion of Counsel  delivered  to the Master  Servicer,  the  Certificate
Insurer  and the  Trustee to such  effect or (ii)  confirmation  from the Rating
Agencies that such amendment  shall not result in the reduction or withdrawal of
the  rating of any  outstanding  Class of  Certificates  (without  regard to the
Certificate  Insurance Policy). No amendment shall be deemed to adversely affect
in any material  respect the interests of any  Certificateholder  who shall have
consented  thereto,  and no Opinion of Counsel  shall be required to address the
effect of any such amendment on any such consenting Certificateholder.

      This Agreement or any Custodial Agreement may also be amended from time to
time by the Depositor,  the Master Servicer,  the NIMS Insurer, the Trustee and,
if  applicable,  the  Custodian,  with the  consent of the NIMS  Insurer and the
Holders of  Certificates  entitled to at least 66% of the Voting  Rights for the
purpose of adding any provisions to or changing in any manner or eliminating any
of the provisions of this  Agreement or any Custodial  Agreement or of modifying
in any manner the rights of the Holders of Certificates; provided, however, that
no such  amendment  shall (i)  reduce in any  manner the amount of, or delay the
timing  of,  payments  received  on  Mortgage  Loans  which are  required  to be
distributed  on any  Certificate  without  the  consent  of the  Holder  of such
Certificate,  (ii) adversely affect in any material respect the interests of the
Holders of any Class of  Certificates  (as evidenced by either (i) an Opinion of
Counsel  delivered to the Trustee or (ii) written notice to the  Depositor,  the
Master  Servicer and the Trustee from the Rating Agencies that such action shall
not result in the reduction or withdrawal of the rating of any outstanding Class
of  Certificates  (without  regard to the  Certificate  Insurance  Policy)  with
respect to which it is a Rating  Agency) in a manner  other than as described in
(i), or (iii) modify the consents required by the immediately  preceding clauses
(i) and (ii)  without  the  consent  of the  Holders  of all  Certificates  then
outstanding. Notwithstanding any other provision of this Agreement, for purposes
of the  giving or  withholding  of  consents  pursuant  to this  Section  11.01,
Certificates  registered in the name of the Depositor or the Master  Servicer or
any Affiliate thereof shall be entitled to Voting Rights with respect to matters
affecting such Certificates.

      Notwithstanding  the  foregoing,  any  amendment to this  Agreement  shall
require the prior written consent of the  Certificate  Insurer if such amendment
adversely  affects in any respect  the rights or  interests  of the  Certificate
Insurer  or of the  Insured  Certificates  (without  regard  to the  Certificate
Insurance Policy). The Trustee shall send a copy of any proposed

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amendment to this Agreement to the Certificate Insurer prior to execution of the
amendment. The Certificate Insurer shall notify the Trustee in writing, within a
reasonable  time  following  its  receipt of a copy of the  proposed  amendment,
whether  the  Certificate  Insurer  has  determined  that  its  consent  to such
amendment is required.

      Notwithstanding  any  contrary  provision of this  Agreement,  none of the
Trustee,  the  Certificate  Insurer  or the NIMS  Insurer  shall  consent to any
amendment to this  Agreement  unless it shall have first  received an Opinion of
Counsel  satisfactory  to the NIMS  Insurer and the  Certificate  Insurer to the
effect that such amendment  shall not result in the imposition of any tax on any
Trust REMIC pursuant to the REMIC Provisions or cause any Trust REMIC to fail to
qualify as a REMIC at any time that any Certificates are outstanding.

      Notwithstanding any of the other provisions of this Section 11.01, none of
the Depositor, the Master Servicer or the Trustee shall enter into any amendment
of this Agreement that would  significantly  change the permitted  activities of
the Trust Fund without the consent of the NIMS Insurer,  the Certificate Insurer
and the holders of  Certificates  that  represent more than 50% of the aggregate
Certificate Principal Balance of all Certificates.

      Promptly  after the  execution  of any such  amendment  the Trustee  shall
furnish a copy of such amendment to each  Certificateholder  and the Certificate
Insurer.

      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.

      The cost of any  Opinion  of  Counsel  to be  delivered  pursuant  to this
Section 11.01 shall be borne by the Person seeking the related amendment, but in
no event shall such Opinion of Counsel be an expense of the Trustee.

      The Trustee may,  but shall not be  obligated to enter into any  amendment
pursuant  to this  Section  that  affects  its  respective  rights,  duties  and
immunities under this Agreement or otherwise.

      SECTION 11.02. Recordation of Agreement; Counterparts.

      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  at  the  expense  of the  Certificateholders,  but  only  upon
direction of the Trustee accompanied by an Opinion of Counsel to the effect that
such  recordation  materially  and  beneficially  affects the  interests  of the
Certificateholders.

      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

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of counterparts,  each of which  counterparts shall be deemed to be an original,
and such counterparts shall constitute but one and the same instrument.

      SECTION 11.03. Limitation on Rights of Certificateholders.

      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 the parties hereto
or any of them.

      No  Certificateholder  shall have any right to vote  (except as  expressly
provided  for  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 any 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.

      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  (i)  such  Holder
previously shall have given to the Trustee and the Certificate Insurer a written
notice of default and of the continuance thereof, as hereinbefore  provided, and
(ii) the Holders of  Certificates  entitled to at least 25% of the Voting Rights
shall have made written request upon the Trustee to institute such action,  suit
or proceeding in the name of the 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 15 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 is
understood and intended, and expressly covenanted by each Certificateholder with
every other  Certificateholder  and the Trustee,  that no one or more Holders of
Certificates  shall  have any right in any  manner  whatsoever  by virtue of any
provision of this  Agreement to affect,  disturb or prejudice  the rights of the
Holders  of any  other of such  Certificates,  or to  obtain  or seek to  obtain
priority over or  preference  to any other such Holder,  or to enforce any right
under this  Agreement,  except in the manner herein  provided and for the equal,
ratable and common  benefit of all  Certificateholders.  For the  protection and
enforcement of the provisions of this Section, each and every  Certificateholder
and the Trustee  shall be entitled to such relief as can be given  either at law
or in equity.

      SECTION 11.04. Governing Law.

      This Agreement shall be 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  excluding the choice of laws
provisions therein.

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      SECTION 11.05. Notices.

      All directions,  demands,  requests,  authorizations and notices hereunder
shall be in writing and shall be deemed to have been duly given when received if
personally  delivered at or mailed by first class mail,  postage prepaid,  or by
express delivery service,  facsimile,  electronic mail or delivered in any other
manner  specified  herein,  to (a) in the case of the  Depositor  or  Ameriquest
Mortgage  Company,  1100 Town & Country  Road,  Suite 1100,  Orange,  California
92868,  Attention:  Capital Markets (telecopy number:  (714) 245-0198),  or such
other  address or telecopy  number as may  hereafter  be furnished to the Master
Servicer,  the NIMS Insurer,  the Certificate Insurer and the Trustee in writing
by the  Depositor,  (b) in the  case of the  Master  Servicer,  HomEq  Servicing
Corporation,   4837  Watt  Avenue,  North  Highlands,   California   95660-5101,
Attention:  Portfolio  Management,  Facsimile No. (919)  339-6995 with a copy to
HomEq Servicing Corporation,  1620 East Roseville Parkway, Suite 210, 2nd Floor,
Roseville,  California 95661, Attention:  Legal Department,  Facsimile No. (919)
339-6995, or such other address or telecopy number as may hereafter be furnished
to the Trustee,  the NIMS Insurer,  the Certificate Insurer and the Depositor in
writing by the Master  Servicer,  (c) in the case of the  Trustee,  Wells  Fargo
Bank,  N.A.,  P.O.  Box  98,  Columbia,   Maryland  21046,   Attention:   Client
Manager--Park  Place 2004-WHQ1,  with a copy to Wells Fargo Bank, N.A., 9062 Old
Annapolis Road, Columbia, Maryland 21045-1951, Attention: Park Place Securities,
Inc.,  Series  2004-WHQ1  , or such  other  address  or  telecopy  number as may
hereafter be  furnished  in writing by the Trustee,  (d) in the case of the NIMS
Insurer,  such address  furnished to the  Depositor,  the Master  Servicer,  the
Certificate  Insurer and the Trustee in writing by the NIMS Insurer,  (e) in the
case of the Certificate Insurer, XL Capital Assurance,  Inc., 1221 Avenue of the
Americas,  New York, New York 10020-1001,  Attn: General Counsel,  or such other
address or telecopy number as may hereafter be furnished to the Master Servicer,
the NIMS Insurer,  the Trustee and the  Depositor in writing by the  Certificate
Insurer and (f) in the case of Ameriquest Mortgage Company,  1100 Town & Country
Road, Suite 1100, Orange,  California 92868. Any notice required or permitted to
be given to a  Certificateholder  shall be given by first  class  mail,  postage
prepaid, at the address of such Holder as shown in the Certificate Register. Any
notice  so  mailed  within  the  time  prescribed  in this  Agreement  shall  be
conclusively  presumed to have been duly given when  mailed,  whether or not the
Certificateholder  receives  such  notice.  A copy of any notice  required to be
telecopied hereunder also shall be mailed to the appropriate party in the manner
set forth above.

      SECTION 11.06. 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 or the
rights of the Certificate Insurer.

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      SECTION 11.07. Notice to Rating Agencies,  the Certificate Insurer and the
                     NIMS Insurer.

      The Trustee shall use its best efforts  promptly to provide  notice to the
Rating  Agencies,  the Certificate  Insurer and the NIMS Insurer with respect to
each of the following of which it has actual knowledge:

            1. Any material change or amendment to this Agreement;

            2. The  occurrence of any Master  Servicer Event of Default that has
      not been cured or waived;

            3. The  resignation  or  termination  of the Master  Servicer or the
      Trustee;

            4. The repurchase or  substitution  of Mortgage Loans pursuant to or
      as contemplated by Section 2.03;

            5. The final payment to the Holders of any Class of Certificates;

            6. Any  change in the  location  of the  Collection  Account  or the
      Distribution Account;

            7. Any event that would result in the inability of the Trustee, were
      it to succeed as Master Servicer,  to make advances  regarding  delinquent
      Mortgage Loans; and

            8. The filing of any claim under the Master Servicer's  blanket bond
      and errors and omissions  insurance policy required by Section 3.09 or the
      cancellation   or  material   modification  of  coverage  under  any  such
      instrument.

      In addition, the Trustee shall promptly furnish to each Rating Agency, the
Certificate   Insurer   and  the  NIMS   Insurer   copies  of  each   report  to
Certificateholders  described  in  Section  4.02  and the  Master  Servicer,  as
required  pursuant to Section 3.19 and Section 3.20,  shall promptly  furnish to
each Rating Agency and the Certificate Insurer copies of the following:

            1. Each annual statement as to compliance described in Section 3.19;
      and

            2. Each annual  independent  public  accountants'  servicing  report
      described in Section 3.20.

      Any such  notice  pursuant to this  Section  11.07 shall be in writing and
shall be deemed to have been duly given if personally  delivered at or mailed by
first class mail,  postage  prepaid,  or by express  delivery service to Moody's
Investors Service, 99 Church Street, New York, New York 10007, to Fitch Ratings,
One State Street Plaza,  New York, New York 10004,  and to Standard & Poor's,  a
division of The McGraw-Hill Companies, Inc., 55 Water Street, New York, New York
10041 or such other addresses as the Rating Agencies may designate in writing to
the parties hereto.

                                      166
<PAGE>

      SECTION 11.08. Article and Section References.

      All  article  and  section  references  used  in  this  Agreement,  unless
otherwise provided, are to articles and sections in this Agreement.

      SECTION 11.09. Grant of Security Interest.

      It is the express  intent of the parties hereto that the conveyance of the
Mortgage  Loans by the  Depositor to the Trustee be, and be construed as, a sale
of the Mortgage Loans by the Depositor and not a pledge of the Mortgage Loans by
the  Depositor  to secure a debt or other  obligation  of the  Depositor  or the
Seller. However, in the event that, notwithstanding the aforementioned intent of
the parties,  the Mortgage Loans are held to be property of the Depositor or the
Seller,  then, (a) it is the express intent of the parties that such  conveyance
be deemed a pledge of the  Mortgage  Loans by the  Depositor  to the  Trustee to
secure a debt or other obligation of the Depositor or the Seller and (b)(1) this
Agreement shall also be deemed to be a security  agreement within the meaning of
Articles 8 and 9 of the Uniform  Commercial  Code as in effect from time to time
in the State of New York; (2) the conveyance provided for in Section 2.01 hereof
shall be deemed to be a grant by the Seller and the  Depositor to the Trustee of
a security interest in all of the Seller's and the Depositor's  right, title and
interest in and to the Mortgage Loans and all amounts  payable to the holders of
the Mortgage Loans in accordance  with the terms thereof and all proceeds of the
conversion,  voluntary or involuntary,  of the foregoing into cash, instruments,
securities or other property,  including without  limitation all amounts,  other
than investment  earnings,  from time to time held or invested in the Collection
Account and the Distribution Account,  whether in the form of cash, instruments,
securities  or other  property;  (3) the  obligations  secured by such  security
agreement  shall be deemed to be all of the Depositor's  obligations  under this
Agreement,  including the  obligation to provide to the  Certificateholders  the
benefits of this  Agreement  relating to the Mortgage  Loans and the Trust Fund;
and (4)  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, financial
intermediaries, bailees or agents (as applicable) of the Trustee for the purpose
of perfecting  such security  interest under  applicable law.  Accordingly,  the
Depositor hereby grants to the Trustee a security interest in the Mortgage Loans
and all other property  described in clause (2) of the preceding  sentence,  for
the purpose of securing to the Trustee the  performance  by the Depositor of the
obligations  described in clause (3) of the preceding sentence.  Notwithstanding
the foregoing, the parties hereto intend the conveyance pursuant to Section 2.01
and the transfer pursuant to the Mortgage Loan Purchase  Agreement to be a true,
absolute and  unconditional  sale of the Mortgage Loans and assets  constituting
the Trust Fund by the Depositor to the Trustee.

      SECTION 11.10. Third Party Rights.

      The  NIMS  Insurer  and  the  Certificate  Insurer  shall  be  third-party
beneficiaries  of this  Agreement  to the same  extent  as if they  were a party
hereto,  and  each  shall  have the  right to  enforce  the  provisions  of this
Agreement.  Without limiting the generality of the foregoing,  provisions herein
that refer to the  "benefit" of  Certificateholders  or the  "interests"  of the
Certificateholders  or actions  "for the  benefit  of"  Certificateholders  also
include an implicit  reference to the benefits or interests of the NIMS Insurer,
if any, and the Certificate Insurer with

                                      167
<PAGE>

respect to the  Insured  Certificates  and to the extent a  Certificate  Insurer
Default has not occurred and is continuing.

                                      168
<PAGE>

      IN WITNESS  WHEREOF,  the Depositor,  the Master  Servicer and the Trustee
have  caused  their  names to be  signed  hereto  by their  respective  officers
thereunto  duly  authorized,  in each  case as of the day and year  first  above
written.

                                PARK PLACE SECURITIES, INC.,
                                as Depositor

                                By: /s/ John P. Grazer
                                   ---------------------------------------
                                Name:   John P. Grazer
                                Title:  CFO

                                HOMEQ SERVICING CORPORATION, as Master Servicer

                                By: /s/ Ruben Avilez
                                   ---------------------------------------
                                Name:   Ruben Avilez
                                Title:  Vice President

                                WELLS FARGO BANK, N.A.,
                                as Trustee

                                By: /s/ Peter A. Gobell
                                   ---------------------------------------
                                Name:   Peter A. Gobell
                                Title:  Vice President

<PAGE>

STATE OF CALIFORNIA        )
                           ) ss.:
COUNTY OF ORANGE           )

      On the ___ day of ___________  2004, before me, a notary public in and for
said  State,   personally   appeared   ____________,   known  to  me  to  be  an
________________  of Park Place  Securities,  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/ Evelyn Garcia
                                   ---------------------------------------
                                   Evelyn Garcia
                                   Notary Public
[Notarial Seal]

<PAGE>

STATE OF CALIFORNIA        )
                           ) ss.:
COUNTY OF ORANGE           )

      On the ___ day of __________  2004,  before me, a notary public in and for
said  State,  personally  appeared  __________________,  known  to  me  to  be a
_________________ of HomEq Servicing  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/ Glenda Daniel
                                   ---------------------------------------
                                   Glenda Daniel
                                   Notary Public
[Notarial Seal]

<PAGE>

STATE OF MARYLAND       )
                        ) ss.:
COUNTY OF               )

      On the ___ day of  ________  2004,  before me, a notary  public in and for
said  State,  personally  appeared  _________________,  known  to  me  to  be an
____________________  of  Wells  Fargo  Bank,  N.A.,  one of the  entities  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
entity 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/ Peter A. Gobell
                                   ---------------------------------------
                                   Peter A. Gobell
                                   Notary Public
[Notarial Seal]

<PAGE>
                                   EXHIBIT A-1

                          FORM OF CLASS A-1 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, AS AMENDED
         (THE "CODE").

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class A-1                     Aggregate Certificate Principal Balance
                                                of the Class A-1 Certificates as of the
                                                Issue Date:
Pass-Through Rate: Variable                     $1,137,320,000.00

Date of Pooling and Servicing Agreement         Denomination:  $1,137,320,000.00
and Cut-off Date: September 1, 2004
                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BL 0
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

                                     A-1-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class A-1 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class A-1 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class A-1 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-1-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are

                                     A-1-3
<PAGE>

exchangeable for new Certificates of the same Class in authorized denominations
evidencing the same 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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Initial Mortgage Loans at the Cut-off
Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-1-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                           Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                        Authorized Signatory

                                     A-1-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-1-6
<PAGE>

                            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.

                                     A-1-7
<PAGE>

                                   EXHIBIT A-2

                          FORM OF CLASS A-2 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, AS AMENDED
         (THE "CODE").

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class A-2                     Aggregate Certificate Principal Balance of
                                                the Class A-2 Certificates as of the
                                                Issue Date:
Pass-Through Rate: Variable                     $ 200,000,000.00

Date of Pooling and Servicing Agreement         Denomination: $ 200,000,000.00
and Cut-off Date: September 1, 2004
                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BM 8
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

                                     A-2-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class A-2 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class A-2 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class A-2 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-2-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are

                                     A-2-3
<PAGE>

exchangeable for new Certificates of the same Class in authorized denominations
evidencing the same 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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Mortgage Loans at the Cut-off Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-2-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                         Authorized Signatory

                                     A-2-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-2-6
<PAGE>

                            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.

                                     A-2-7
<PAGE>

                                   EXHIBIT A-3

                          FORM OF CLASS A-3 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, AS AMENDED
         (THE "CODE").

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class A-3                     Aggregate Certificate Principal Balance of
                                                the Class A-3 Certificates as of the
                                                Issue Date:
Pass-Through Rate: Variable                     $133,510,000.00

Date of Pooling and Servicing Agreement         Denomination: $133,510,000.00
and Cut-off Date: September 1, 2004
                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BN 6
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

                                     A-3-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class A-3 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class A-3 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class A-3 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-3-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are

                                     A-3-3
<PAGE>

exchangeable for new Certificates of the same Class in authorized denominations
evidencing the same 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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Mortgage Loans at the Cut-off Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-3-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                         Authorized Signatory

                                     A-3-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-3-6
<PAGE>

                            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.

                                     A-3-7
<PAGE>

                                   EXHIBIT A-4

                          FORM OF CLASS A-4 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, AS AMENDED
         (THE "CODE").

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class A-4                     Aggregate Certificate Principal Balance of
                                                the Class A-4 Certificates as of the
                                                Issue Date:
Pass-Through Rate: Variable                     $63,490,000.00

Date of Pooling and Servicing Agreement         Denomination: $63,490,000.00
and Cut-off Date: September 1, 2004
                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BP 1
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

                                     A-4-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class A-4 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class A-4 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class A-4 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-4-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are

                                     A-4-3
<PAGE>

exchangeable for new Certificates of the same Class in authorized denominations
evidencing the same 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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Mortgage Loans at the Cut-off Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-4-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                         Authorized Signatory

                                     A-4-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-4-6
<PAGE>

                            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.

                                     A-4-7
<PAGE>

                                   EXHIBIT A-5

                          FORM OF CLASS A-5 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, AS AMENDED
         (THE "CODE").

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class A-5                     Aggregate Certificate Principal Balance of
                                                the Class A-5 Certificates as of the
                                                Issue Date:
Pass-Through Rate: Variable                     $43,680,000.00

Date of Pooling and Servicing Agreement         Denomination: $43,680,000.00
and Cut-off Date: September 1, 2004
                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BQ 9
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

                                     A-5-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class A-5 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class A-5 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class A-5 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-5-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are

                                     A-5-3
<PAGE>

exchangeable for new Certificates of the same Class in authorized denominations
evidencing the same 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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Mortgage Loans at the Cut-off Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-5-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                         Authorized Signatory

                                     A-5-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-5-6
<PAGE>

                            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.

                                     A-5-7
<PAGE>

                                   EXHIBIT A-6

                          FORM OF CLASS M-1 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, AS AMENDED
         (THE "CODE").

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class M-1                     Aggregate Certificate Principal Balance of
                                                the Class M-1 Certificates as of the
                                                Issue Date:
Pass-Through Rate: Variable                     $77,000,000.00

Date of Pooling and Servicing Agreement         Denomination:  $77,000,000.00
and Cut-off Date: September 1, 2004
                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BR 7
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

         ANY TRANSFEREE OF THIS CERTIFICATE SHALL BE DEEMED TO MAKE THE
         REPRESENTATIONS SET FORTH IN SECTION 5.02(C) OF THE AGREEMENT.

                                     A-6-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-1 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-1 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-1 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-6-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  Any transferee of this Certificate shall be deemed to make the
representations set forth in Section 5.02(c) of the Agreement.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                                     A-6-3
<PAGE>

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Initial Mortgage Loans at the Cut-off
Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-6-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                         Authorized Signatory

                                     A-6-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-6-6
<PAGE>

                            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.

                                     A-6-7
<PAGE>

                                   EXHIBIT A-7

                          FORM OF CLASS M-2 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, AS AMENDED
         (THE "CODE").

         THIS CERTIFICATE IS SUBORDINATE TO EACH CLASS OF CLASS A
         CERTIFICATES AND THE CLASS M-1 CERTIFICATES TO THE EXTENT
         DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO
         HEREIN.

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class M-2                     Aggregate Certificate Principal Balance of
                                                the Class M-2 Certificates as of the
                                                Issue Date:
Pass-Through Rate: Variable                     $60,000,000.00

Date of Pooling and Servicing Agreement         Denomination:  $60,000,000.00
and Cut-off Date: September 1, 2004
                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BS 5
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

         ANY TRANSFEREE OF THIS CERTIFICATE SHALL BE DEEMED TO MAKE THE
         REPRESENTATIONS SET FORTH IN SECTION 5.02(C) OF THE AGREEMENT.

                                     A-7-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-2 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-2 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-2 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-7-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  Any transferee of this Certificate shall be deemed to make the
representations set forth in Section 5.02(c) of the Agreement.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                                     A-7-3
<PAGE>

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Initial Mortgage Loans at the Cut-off
Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-7-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                         Authorized Signatory

                                     A-7-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-7-6
<PAGE>

                            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.

                                     A-7-7
<PAGE>

                                   EXHIBIT A-8

                          FORM OF CLASS M-3 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, AS AMENDED
         (THE "CODE").

         THIS CERTIFICATE IS SUBORDINATE TO EACH CLASS OF CLASS A
         CERTIFICATES, THE CLASS M-1 CERTIFICATES AND THE CLASS M-2
         CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND
         SERVICING AGREEMENT REFERRED TO HEREIN.

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class M-3                     Aggregate Certificate Principal Balance of
                                                the Class M-3 Certificates as of
                                                the Issue Date:
Pass-Through Rate: Variable                     $40,000,000.00

Date of Pooling and Servicing Agreement         Denomination:  $ 40,000,000.00
and Cut-off Date: September 1, 2004
                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BT 3
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

         ANY TRANSFEREE OF THIS CERTIFICATE SHALL BE DEEMED TO MAKE THE
         REPRESENTATIONS SET FORTH IN SECTION 5.02(C) OF THE AGREEMENT.

                                     A-8-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-3 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-3 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-3 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-8-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  Any transferee of this Certificate shall be deemed to make the
representations set forth in Section 5.02(c) of the Agreement.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                                     A-8-3
<PAGE>

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Initial Mortgage Loans at the Cut-off
Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-8-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:____________________________
                                                        Authorized Signatory

                                     A-8-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-8-6
<PAGE>

                            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.

                                     A-8-7
<PAGE>

                                   EXHIBIT A-9

                          FORM OF CLASS M-4 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, AS AMENDED
         (THE "CODE").

         THIS CERTIFICATE IS SUBORDINATE TO EACH CLASS OF CLASS A
         CERTIFICATES, THE CLASS M-1 CERTIFICATES, THE CLASS M-2
         CERTIFICATES AND THE CLASS M-3 CERTIFICATES TO THE EXTENT
         DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO
         HEREIN.

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class M-4                     Aggregate Certificate Principal Balance
                                                of the Class M-4 Certificates as of
                                                the Issue Date:
Pass-Through Rate: Variable                     $35,000,000.00

Date of Pooling and Servicing Agreement         Denomination:  $ 35,000,000.00
and Cut-off Date: September 1, 2004

                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BU 0
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

         ANY TRANSFEREE OF THIS CERTIFICATE SHALL BE DEEMED TO MAKE THE
         REPRESENTATIONS SET FORTH IN SECTION 5.02(C) OF THE AGREEMENT.

                                     A-9-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-4 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-4 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-4 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-9-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  Any transferee of this Certificate shall be deemed to make the
representations set forth in Section 5.02(c) of the Agreement.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                                     A-9-3
<PAGE>

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Initial Mortgage Loans at the Cut-off
Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-9-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                         Authorized Signatory

                                     A-9-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-9-6
<PAGE>

                            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.

                                     A-9-7
<PAGE>

                                  EXHIBIT A-10

                         CLASS OF CLASS M-5 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, AS AMENDED
         (THE "CODE").

         THIS CERTIFICATE IS SUBORDINATE TO EACH CLASS OF CLASS A
         CERTIFICATES, THE CLASS M-1 CERTIFICATES, THE CLASS M-2
         CERTIFICATES, THE CLASS M-3 CERTIFICATES AND THE CLASS M-4
         CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND
         SERVICING AGREEMENT REFERRED TO HEREIN.

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class M-5                     Aggregate Certificate Principal Balance
                                                of the Class M-5 Certificates as of the
                                                Issue Date:
Pass-Through Rate:  Variable                    $30,000,000.00

Date of Pooling and Servicing Agreement         Denomination:  $ 30,000,000.00
and Cut-off Date: September 1, 2004
                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BV 8
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

         ANY TRANSFEREE OF THIS CERTIFICATE SHALL BE DEEMED TO MAKE THE
         REPRESENTATIONS SET FORTH IN SECTION 5.02(C) OF THE AGREEMENT.

                                     A-10-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-5 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-5 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-5 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-10-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  Any transferee of this Certificate shall be deemed to make the
representations set forth in Section 5.02(c) of the Agreement.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                                     A-10-3
<PAGE>

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Initial Mortgage Loans at the Cut-off
Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-10-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                         Authorized Signatory

                                     A-10-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-10-6
<PAGE>

                            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.

                                     A-10-7
<PAGE>

                                  EXHIBIT A-11

                          FORM OF CLASS M-6 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, AS AMENDED
         (THE "CODE").

         THIS CERTIFICATE IS SUBORDINATE TO EACH CLASS OF CLASS A
         CERTIFICATES, THE CLASS M-1 CERTIFICATES, THE CLASS M-2
         CERTIFICATES, THE CLASS M-3 CERTIFICATES, THE CLASS M-4
         CERTIFICATES AND THE CLASS M-5 CERTIFICATES TO THE EXTENT
         DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO
         HEREIN.

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class M-6                     Aggregate Certificate Principal Balance
                                                of the Class M-6 Certificates as of the
                                                Issue Date:
Pass-Through Rate:  Variable                    $30,000,000.00

Date of Pooling and Servicing Agreement         Denomination:  $30,000,000.00
and Cut-off Date: September 1, 2004
                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BW 6
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

         ANY TRANSFEREE OF THIS CERTIFICATE SHALL BE DEEMED TO MAKE THE
         REPRESENTATIONS SET FORTH IN SECTION 5.02(C) OF THE AGREEMENT.

                                     A-11-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-6 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-6 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-6 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-11-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  Any transferee of this Certificate shall be deemed to make the
representations set forth in Section 5.02(c) of the Agreement.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                                     A-11-3
<PAGE>

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Initial Mortgage Loans at the Cut-off
Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-11-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                       Authorized Signatory

                                     A-11-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-11-6
<PAGE>

                            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.

                                     A-11-7
<PAGE>

                                  EXHIBIT A-12

                          FORM OF CLASS M-7 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, AS AMENDED
         (THE "CODE").

         THIS CERTIFICATE IS SUBORDINATE TO EACH CLASS OF CLASS A
         CERTIFICATES, THE CLASS M-1 CERTIFICATES, THE CLASS M-2
         CERTIFICATES, THE CLASS M-3 CERTIFICATES, THE CLASS M-4
         CERTIFICATES, THE CLASS M-5 CERTIFICATES AND THE CLASS M-6
         CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND
         SERVICING AGREEMENT REFERRED TO HEREIN.

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class M-7                     Aggregate Certificate Principal Balance of
                                                the Class M-7 Certificates as of the
                                                Issue Date:
Pass-Through Rate:  Variable                    $25,000,000.00

Date of Pooling and Servicing Agreement         Denomination:  $25,000,000.00
and Cut-off Date: September 1, 2004

                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BX 4
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

         ANY TRANSFEREE OF THIS CERTIFICATE SHALL BE DEEMED TO MAKE THE
         REPRESENTATIONS SET FORTH IN SECTION 5.02(C) OF THE AGREEMENT.

                                     A-12-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-7 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-7 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-7 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-12-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  Any transferee of this Certificate shall be deemed to make the
representations set forth in Section 5.02(c) of the Agreement.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                                     A-12-3
<PAGE>

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Initial Mortgage Loans at the Cut-off
Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-12-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                       Authorized Signatory

                                     A-12-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-12-6
<PAGE>

                            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.

                                     A-12-7
<PAGE>

                                  EXHIBIT A-13

                          FORM OF CLASS M-8 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, AS AMENDED
         (THE "CODE").

         THIS CERTIFICATE IS SUBORDINATE TO EACH CLASS OF CLASS A
         CERTIFICATES, THE CLASS M-1 CERTIFICATES, THE CLASS M-2
         CERTIFICATES, THE CLASS M-3 CERTIFICATES, THE CLASS M-4
         CERTIFICATES, THE CLASS M-5 CERTIFICATES, THE CLASS M-6
         CERTIFICATES AND THE CLASS M-7 CERTIFICATES TO THE EXTENT
         DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO
         HEREIN.

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class M-8                     Aggregate Certificate Principal Balance of
                                                the Class M-8 Certificates as of the
                                                Issue Date:
Pass-Through Rate:  Variable                    $20,000,000.00

Date of Pooling and Servicing Agreement         Denomination:  $20,000,000.00
and Cut-off Date: September 1, 2004
                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BY 2
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

         ANY TRANSFEREE OF THIS CERTIFICATE SHALL BE DEEMED TO MAKE THE
         REPRESENTATIONS SET FORTH IN SECTION 5.02(C) OF THE AGREEMENT.

                                     A-13-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-8 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-8 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-8 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-13-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  Any transferee of this Certificate shall be deemed to make the
representations set forth in Section 5.02(c) of the Agreement.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                                     A-13-3
<PAGE>

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Initial Mortgage Loans at the Cut-off
Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-13-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                         Authorized Signatory

                                     A-13-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-13-6
<PAGE>

                            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.

                                     A-13-7
<PAGE>

                                  EXHIBIT A-14

                          FORM OF CLASS M-9 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, AS AMENDED
         (THE "CODE").

         THIS CERTIFICATE IS SUBORDINATE TO EACH CLASS OF CLASS A
         CERTIFICATES, THE CLASS M-1 CERTIFICATES, THE CLASS M-2
         CERTIFICATES, THE CLASS M-3 CERTIFICATES, THE CLASS M-4
         CERTIFICATES, THE CLASS M-5 CERTIFICATES, THE CLASS M-6
         CERTIFICATES, THE CLASS M-7 CERTIFICATES AND THE CLASS M-8
         CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND
         SERVICING AGREEMENT REFERRED TO HEREIN.

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class M-9                     Aggregate Certificate Principal Balance of
                                                the Class M-9 Certificates as of the
                                                Issue Date:
Pass-Through Rate:  Variable                    $20,000,000.00

Date of Pooling and Servicing Agreement         Denomination:  $20,000,000.00
and Cut-off Date: September 1, 2004
                                                Master Servicer:  HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F BZ 9
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

         ANY TRANSFEREE OF THIS CERTIFICATE SHALL BE DEEMED TO MAKE THE
         REPRESENTATIONS SET FORTH IN SECTION 5.02(C) OF THE AGREEMENT.

                                     A-14-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-9 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-9 Certificates in a REMIC created pursuant to a Pooling and
Servicing Agreement, dated as specified above (the "Agreement"), among Park
Place Securities, Inc. (hereinafter called the "Depositor," which term includes
any successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-9 Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-14-2
<PAGE>

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  Any transferee of this Certificate shall be deemed to make the
representations set forth in Section 5.02(c) of the Agreement.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                                     A-14-3
<PAGE>

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
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 of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Initial Mortgage Loans at the Cut-off
Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-14-4
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:____________________________
                                                        Authorized Signatory

                                     A-14-5
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-14-6
<PAGE>

                            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.

                                     A-14-7
<PAGE>

                                  EXHIBIT A-15

                         FORM OF CLASS M-10 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, AS AMENDED
         (THE "CODE").

         THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES,
         THE CLASS M-1 CERTIFICATES, THE CLASS M-2 CERTIFICATES, THE
         CLASS M-3 CERTIFICATES, THE CLASS M-4 CERTIFICATES, THE CLASS
         M-5 CERTIFICATES, THE CLASS M-6 CERTIFICATES, THE CLASS M-7
         CERTIFICATES, THE CLASS M-8 CERTIFICATES AND THE CLASS M-9
         CERTIFICATES TO THE EXTENT DESCRIBED IN THE POOLING AND
         SERVICING AGREEMENT REFERRED TO 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 THAT 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 TO AN EMPLOYEE BENEFIT PLAN OR
         OTHER RETIREMENT ARRANGEMENT (EACH A "PLAN") SUBJECT TO THE
         EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED
         ("ERISA"), OR THE CODE WILL BE REGISTERED EXCEPT IN COMPLIANCE
         WITH THE PROCEDURES DESCRIBED HEREIN.

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class M-10                    Aggregate Certificate Principal Balance of
                                                the Class M-10 Certificates as of the
                                                Issue Date:
Pass-Through Rate: Variable                     $ 20,000,000.00

Date of Pooling and Servicing Agreement         Denomination: $ 20,000,000.00
and Cut-off Date: September 1, 2004

                                                Master Servicer: HomEq Servicing Corporation
First Distribution Date: October 25, 2004
                                                Trustee: Wells Fargo Bank, N.A.
No. 1
                                                Issue Date: September 7, 2004

                                                CUSIP: 70069F CA 3
</TABLE>

                                     A-15-1
<PAGE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

         ANY TRANSFEREE OF THIS CERTIFICATE SHALL BE DEEMED TO MAKE THE
         REPRESENTATIONS SET FORTH IN SECTION 5.02(C) OF THE AGREEMENT.

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Cede & Co. is the registered owner of a
Percentage Interest (obtained by dividing the denomination of this Certificate
by the aggregate Certificate Principal Balance of the Class M-10 Certificates as
of the Issue Date) in that certain beneficial ownership interest evidenced by
all the Class M-10 Certificates created pursuant to a Pooling and Servicing
Agreement, dated as specified above (the "Agreement"), among Park Place
Securities, Inc. (hereinafter called the "Depositor," which term includes any
successor entity under the Agreement), the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class M-10 Certificates on such Distribution
Date pursuant to the Agreement.

                                     A-15-2
<PAGE>

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                  The Pass-Through Rate applicable to the calculation of
interest payable with respect to this Certificate on any Distribution Date shall
be the lesser of (x) the related Formula Rate for such Distribution Date and (y)
the Net WAC Pass-Through Rate for such Distribution Date. For any Distribution
Date and this Certificate, the Formula Rate is the lesser of (a) One-Month LIBOR
plus the Certificate Margin and (b) the Maximum Cap Rate. The Certificate Margin
with respect to this Certificate shall be determined in accordance with the
terms of the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  Any transferee of this Certificate shall be deemed to make the
representations set forth in Section 5.02 (c) of the Agreement.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

                                     A-15-3
<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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.

                  No transfer of this Certificate shall be made unless the
transfer is made pursuant to an effective registration statement under the
Securities Act of 1933, as amended (the "1933 Act"), and an effective
registration or qualification under applicable state securities laws, or is made
in a transaction that does not require such registration or qualification. In
the event that such a transfer of this Certificate is to be made without
registration or qualification, the Trustee and the Certificate Registrar shall
require receipt of (i) if such transfer is purportedly being made in reliance
upon Rule 144A under the 1933 Act, written certifications from the Holder of the
Certificate desiring to effect the transfer, and from such Holder's prospective
transferee, substantially in the forms attached to the Agreement as Exhibit F-1,
and (ii) in all other cases, an Opinion of Counsel satisfactory to it that such
transfer may be made without such registration or qualification (which Opinion
of Counsel shall not be an expense of the Trust Fund or of the Depositor, the
Trustee or the Master Servicer in their respective capacities as such), together
with copies of the written certification(s) of the Holder of the Certificate
desiring to effect the transfer and/or such Holder's prospective transferee upon
which such Opinion of Counsel is based. None of the Depositor, the Certificate
Registrar or the Trustee is obligated to register or qualify the Class of
Certificates specified on the face hereof under the 1933 Act or any other
securities law or to take any action not otherwise required under the Agreement
to permit the transfer of such Certificates without registration or
qualification. Any Holder desiring to effect a transfer of this Certificate
shall be required to indemnify the Trustee, the Depositor, the Certificate
Registrar and the Master Servicer 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.

                  No transfer of this Certificate to a Plan subject to ERISA or
Section 4975 of the Code, any Person acting, directly or indirectly, on behalf
of any such Plan or any Person using "Plan Assets" to acquire this Certificate
shall be made except in accordance with Section 5.02(c) of the Agreement.

                  No service charge will be made for any such registration of
transfer or exchange of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

                                     A-15-4
<PAGE>

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right cannot be exercised until the Optional Termination Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-15-5
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                       Authorized Signatory

                                     A-15-6
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-15-7
<PAGE>

                            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.

                                     A-15-8
<PAGE>

                                  EXHIBIT A-16

                          FORM OF CLASS CE 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, AS AMENDED
         (THE "CODE").

         THIS CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES AND
         THE MEZZANINE CERTIFICATES TO THE EXTENT DESCRIBED IN THE
         POOLING AND SERVICING AGREEMENT REFERRED TO 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 THAT 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 TO AN EMPLOYEE BENEFIT PLAN OR
         OTHER RETIREMENT ARRANGEMENT (EACH A "PLAN") SUBJECT TO THE
         EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED
         ("ERISA"), OR THE CODE WILL BE REGISTERED EXCEPT IN COMPLIANCE
         WITH THE PROCEDURES DESCRIBED HEREIN.

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class CE                      Aggregate Notional Amount of the Class CE
                                                Certificates as of the Issue Date:
Date of Pooling and Servicing Agreement         $1,999,999,891.46
and Cut-off Date: September 1, 2004

                                                Aggregate Certificate balance of the Class CE
First Distribution Date: October 25, 2004       Certificates as of the Issue Date:
                                                $64,999,891.46
No. 1
                                                Master Servicer:  HomEq Servicing Corporation
Issue Date: September 7, 2004
                                                Trustee: Wells Fargo Bank, N.A.
</TABLE>

                                     A-16-1
<PAGE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Ameriquest Mortgage Company is the
registered owner of a Percentage Interest (obtained by dividing the denomination
of this Certificate by the aggregate Certificate Principal Balance of the Class
CE Certificates as of the Issue Date) in that certain beneficial ownership
interest evidenced by all the Class CE Certificates in a REMIC created pursuant
to a Pooling and Servicing Agreement, dated as specified above (the
"Agreement"), among Park Place Securities, Inc. (hereinafter called the
"Depositor," which term includes any successor entity under the Agreement), the
Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class CE Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to

                                     A-16-2
<PAGE>

such Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.

                                     A-16-3
<PAGE>

                  No transfer of this Certificate shall be made unless the
transfer is made pursuant to an effective registration statement under the
Securities Act of 1933, as amended (the "1933 Act"), and an effective
registration or qualification under applicable state securities laws, or is made
in a transaction that does not require such registration or qualification. In
the event that such a transfer of this Certificate is to be made without
registration or qualification, the Trustee and the Certificate Registrar shall
require receipt of (i) if such transfer is purportedly being made in reliance
upon Rule 144A under the 1933 Act, written certifications from the Holder of the
Certificate desiring to effect the transfer, and from such Holder's prospective
transferee, substantially in the forms attached to the Agreement as Exhibit F-1,
and (ii) in all other cases, an Opinion of Counsel satisfactory to it that such
transfer may be made without such registration or qualification (which Opinion
of Counsel shall not be an expense of the Trust Fund or of the Depositor, the
Trustee or the Master Servicer in their respective capacities as such), together
with copies of the written certification(s) of the Holder of the Certificate
desiring to effect the transfer and/or such Holder's prospective transferee upon
which such Opinion of Counsel is based. None of the Depositor, the Certificate
Registrar or the Trustee is obligated to register or qualify the Class of
Certificates specified on the face hereof under the 1933 Act or any other
securities law or to take any action not otherwise required under the Agreement
to permit the transfer of such Certificates without registration or
qualification. Any Holder desiring to effect a transfer of this Certificate
shall be required to indemnify the Trustee, the Depositor, the Certificate
Registrar and the Master Servicer 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.

                  No transfer of this Certificate to a Plan subject to ERISA or
Section 4975 of the Code, any Person acting, directly or indirectly, on behalf
of any such Plan or any Person using "Plan Assets" to acquire this Certificate
shall be made except in accordance with Section 5.02(c) of the Agreement.

                  No service charge will be made for any such registration of
transfer or exchange of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as

                                     A-16-4
<PAGE>

provided in the Agreement. The exercise of such right will effect early
retirement of the Certificates; however, such right to purchase is subject to
the aggregate Stated Principal Balance of the Mortgage Loans at the time of
purchase being less than 10% of the sum of the aggregate Stated Principal
Balance of the Initial Mortgage Loans at the Cut-off Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-16-5
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                         Authorized Signatory

                                     A-16-6
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-16-7
<PAGE>

                            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.

                                     A-16-8
<PAGE>

                                  EXHIBIT A-17

                           FORM OF CLASS P 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, AS AMENDED
         (THE "CODE").

         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 THAT 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 TO AN EMPLOYEE BENEFIT PLAN OR
         OTHER RETIREMENT ARRANGEMENT (EACH A "PLAN") SUBJECT TO THE
         EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED
         ("ERISA"), OR THE CODE WILL BE REGISTERED EXCEPT IN COMPLIANCE
         WITH THE PROCEDURES DESCRIBED HEREIN.

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class P                       Aggregate Certificate Principal Balance of the Class P
                                                Certificates as of the Issue Date: $100.00
Date of Pooling and Servicing Agreement
and Cut-off Date: September 1, 2004             Denomination:  $100.00

First Distribution Date: October 25, 2004       Master Servicer:  HomEq Servicing Corporation
No. 1
                                                Trustee:  Wells Fargo Bank, N.A.

                                                Issue Date: September 7, 2004
</TABLE>

         DISTRIBUTIONS IN REDUCTION OF THE CERTIFICATE PRINCIPAL BALANCE
         OF THIS CERTIFICATE MAY BE MADE MONTHLY AS SET FORTH HEREIN.
         ACCORDINGLY, THE OUTSTANDING CERTIFICATE PRINCIPAL BALANCE
         HEREOF AT ANY TIME MAY BE LESS THAN THE AMOUNT SHOWN ABOVE AS
         THE DENOMINATION OF THIS CERTIFICATE.

                                     A-17-1
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Ameriquest Mortgage Company is the
registered owner of a Percentage Interest (obtained by dividing the denomination
of this Certificate by the aggregate Certificate Principal Balance of the Class
P Certificates as of the Issue Date) in that certain beneficial ownership
interest evidenced by all the Class P Certificates in a REMIC created pursuant
to a Pooling and Servicing Agreement, dated as specified above (the
"Agreement"), among Park Place Securities, Inc. (hereinafter called the
"Depositor," which term includes any successor entity under the Agreement), the
Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class P Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                                     A-17-2
<PAGE>

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on the face hereof divided by the aggregate
Certificate Principal Balance of the Class of Certificates specified on the face
hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.

                  No transfer of this Certificate shall be made unless the
transfer is made pursuant to an effective registration statement under the
Securities Act of 1933, as amended (the "1933 Act"), and an effective
registration or qualification under applicable state securities laws, or is made
in a transaction that does not require such registration or qualification. In
the event that such a transfer of this Certificate is to be made without
registration or qualification, the Trustee and the Certificate Registrar shall
require receipt of (i) if such transfer is purportedly being made in reliance
upon Rule 144A under the 1933 Act, written certifications from the Holder of the

                                     A-17-3
<PAGE>

Certificate desiring to effect the transfer, and from such Holder's prospective
transferee, substantially in the forms attached to the Agreement as Exhibit F-1,
and (ii) in all other cases, an Opinion of Counsel satisfactory to it that such
transfer may be made without such registration or qualification (which Opinion
of Counsel shall not be an expense of the Trust Fund or of the Depositor, the
Trustee or the Master Servicer in their respective capacities as such), together
with copies of the written certification(s) of the Holder of the Certificate
desiring to effect the transfer and/or such Holder's prospective transferee upon
which such Opinion of Counsel is based. None of the Depositor, the Certificate
Registrar or the Trustee is obligated to register or qualify the Class of
Certificates specified on the face hereof under the 1933 Act or any other
securities law or to take any action not otherwise required under the Agreement
to permit the transfer of such Certificates without registration or
qualification. Any Holder desiring to effect a transfer of this Certificate
shall be required to indemnify the Trustee, the Depositor, the Certificate
Registrar and the Master Servicer 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.

                  No transfer of this Certificate to a Plan subject to ERISA or
Section 4975 of the Code, any Person acting, directly or indirectly, on behalf
of any such Plan or any Person using "Plan Assets" to acquire this Certificate
shall be made except in accordance with Section 5.02(c) of the Agreement.

                  No service charge will be made for any such registration of
transfer or exchange of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

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

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Initial Mortgage Loans at the Cut-off
Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                                     A-17-4
<PAGE>

                  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.

                                     A-17-5
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                       Authorized Signatory

                                     A-17-6
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-17-7
<PAGE>

                            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.

                                     A-17-8
<PAGE>

                                  EXHIBIT A-18

                           FORM OF CLASS R CERTIFICATE

         THIS CERTIFICATE MAY NOT BE TRANSFERRED TO A NON-UNITED STATES
         PERSON.

         SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE
         IS A "RESIDUAL INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT
         CONDUIT" ("REMIC"), AS THOSE TERMS ARE DEFINED, RESPECTIVELY,
         IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986,
         AS AMENDED (THE "CODE").

         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 THAT 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.

         ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE
         MAY BE MADE ONLY IN ACCORDANCE WITH THE PROVISIONS OF SECTION
         5.02 OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

         NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR
         OTHER RETIREMENT ARRANGEMENT (EACH A "PLAN") SUBJECT TO THE
         EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED
         ("ERISA"), OR THE CODE WILL BE REGISTERED EXCEPT IN COMPLIANCE
         WITH THE PROCEDURES DESCRIBED HEREIN.

         ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE
         MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES (I) AN
         AFFIDAVIT TO THE TRUSTEE THAT (A) SUCH TRANSFEREE IS NOT (1)
         THE UNITED STATES OR ANY POSSESSION THEREOF, ANY STATE OR
         POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY
         INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF
         ANY OF THE FOREGOING, (2) ANY ORGANIZATION (OTHER THAN A
         COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) THAT IS
         EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS
         SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION

                                     A-18-1
<PAGE>

         511 OF THE CODE, (3) ANY ORGANIZATION DESCRIBED IN SECTION
         1381(A)(2)(C) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE
         FOREGOING CLAUSES (1), (2) OR (3) SHALL HEREINAFTER BE REFERRED
         TO AS A "DISQUALIFIED ORGANIZATION") OR (4) AN AGENT OF A
         DISQUALIFIED ORGANIZATION AND (B) NO PURPOSE OF SUCH TRANSFER
         IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX, AND (II) SUCH
         TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO
         THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE.
         NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF
         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
         HEREOF SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF
         THIS PARAGRAPH AND THE PROVISIONS OF SECTION 5.02(D) OF THE
         POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. ANY PERSON
         THAT IS A DISQUALIFIED ORGANIZATION IS PROHIBITED FROM
         ACQUIRING BENEFICIAL OWNERSHIP OF THIS CERTIFICATE.

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class R                       Aggregate  Percentage Interest of the
                                                Class R Certificates as of the Issue Date:
Date of Pooling and Servicing Agreement         100.00% Percentage Interest
and Cut-off Date: September 1, 2004
                                                Denomination: 100% Percentage Interest
First Distribution Date: October 25, 2004
                                                Master Servicer:  HomEq Servicing Corporation
No. 1
                                                Trustee:  Wells Fargo Bank, N.A.

                                                Issue Date: September 7, 2004
</TABLE>

                                     A-18-2
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Ameriquest Mortgage Company is the
registered owner of a Percentage Interest specified above in that certain
beneficial ownership interest evidenced by all the Class R Certificates in a
REMIC created pursuant to a Pooling and Servicing Agreement, dated as specified
above (the "Agreement"), among Park Place Securities, Inc. (hereinafter called
the "Depositor," which term includes any successor entity under the Agreement),
the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class R Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on

                                     A-18-3
<PAGE>

the face hereof equal to the denomination specified on the face hereof divided
by the aggregate Certificate Principal Balance of the Class of Certificates
specified on the face hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.

                  No transfer of this Certificate shall be made unless the
transfer is made pursuant to an effective registration statement under the
Securities Act of 1933, as amended (the "1933 Act"), and an effective
registration or qualification under applicable state securities laws, or is made
in a transaction that does not require such registration or qualification. In
the event that such a transfer of this Certificate is to be made without
registration or qualification, the Trustee and the Certificate Registrar shall
require receipt of (i) if such transfer is purportedly being made in reliance
upon Rule 144A under the 1933 Act, written certifications from the Holder of the
Certificate desiring to effect the transfer, and from such Holder's prospective
transferee, substantially in the forms attached to the Agreement as Exhibit F-1,
and (ii) in all other cases, an Opinion of Counsel satisfactory to it that such
transfer may be made without such registration or

                                     A-18-4
<PAGE>

qualification (which Opinion of Counsel shall not be an expense of the Trust
Fund or of the Depositor, the Trustee or the Master Servicer in their respective
capacities as such), together with copies of the written certification(s) of the
Holder of the Certificate desiring to effect the transfer and/or such Holder's
prospective transferee upon which such Opinion of Counsel is based. None of the
Depositor, the Certificate Registrar or the Trustee is obligated to register or
qualify the Class of Certificates specified on the face hereof under the 1933
Act or any other securities law or to take any action not otherwise required
under the Agreement to permit the transfer of such Certificates without
registration or qualification. Any Holder desiring to effect a transfer of this
Certificate shall be required to indemnify the Trustee, the Depositor, the
Certificate Registrar and the Master Servicer 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.

                  No transfer of this Certificate to a Plan subject to ERISA or
Section 4975 of the Code, any Person acting, directly or indirectly, on behalf
of any such Plan or any Person using "Plan Assets" to acquire this Certificate
shall be made except in accordance with Section 5.02(c) of the Agreement.

                  Prior to registration of any transfer, sale or other
disposition of this Certificate, the proposed transferee shall provide to the
Trustee (i) an affidavit to the effect that such transferee is any Person other
than a Disqualified Organization or the agent (including a broker, nominee or
middleman) of a Disqualified Organization, and (ii) a certificate that
acknowledges that (A) the Class R Certificates have been designated as residual
interests in three REMICs, (B) it will include in its income a PRO RATA share of
the net income of the Trust Fund and that such income may be an "excess
inclusion," as defined in the Code, that, with certain exceptions, cannot be
offset by other losses or benefits from any tax exemption, and (C) it expects to
have the financial means to satisfy all of its tax obligations including those
relating to holding the Class R Certificates. Notwithstanding the registration
in the Certificate Register of any transfer, sale or other disposition of this
Certificate to a Disqualified Organization or an agent (including a broker,
nominee or middleman) 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, including, but not limited to,
the receipt of distributions in respect of this Certificate.

                  The Holder of this Certificate, by its acceptance hereof,
shall be deemed to have consented to the provisions of Section 5.02 of the
Agreement and to any amendment of the Agreement deemed necessary by counsel of
the Depositor to ensure that the transfer of this Certificate to any Person
other than a Permitted Transferee or any other Person will not cause the Trust
Fund to cease to qualify as a REMIC or cause the imposition of a tax upon the
REMIC.

                  No service charge will be made for any such registration of
transfer or exchange of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

                  The Depositor, the Master Servicer, the Trustee, the NIMS
Insurer (if any) and the Certificate Registrar and any agent of the Depositor,
the Master Servicer, the Trustee, the NIMS Insurer (if any) or the Certificate
Registrar may treat the Person in whose name this Certificate is registered as
the owner hereof for all purposes, and none of the Depositor, the Master
Servicer,

                                     A-18-5
<PAGE>

the Trustee, the NIMS Insurer (if any), the Certificate Registrar or any such
agent shall be affected by notice to the contrary.

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Initial Mortgage Loans at the Cut-off
Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-18-6
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                         Authorized Signatory

                                     A-18-7
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-18-8
<PAGE>

                            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.

                                     A-18-9
<PAGE>

                                  EXHIBIT A-19

                          FORM OF CLASS R-X CERTIFICATE

         THIS CERTIFICATE MAY NOT BE TRANSFERRED TO A NON-UNITED STATES
         PERSON.

         SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE
         IS A "RESIDUAL INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT
         CONDUIT" ("REMIC"), AS THOSE TERMS ARE DEFINED, RESPECTIVELY,
         IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986,
         AS AMENDED (THE "CODE").

         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 THAT 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.

         ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE
         MAY BE MADE ONLY IN ACCORDANCE WITH THE PROVISIONS OF SECTION
         5.02 OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

         NO TRANSFER OF THIS CERTIFICATE TO AN EMPLOYEE BENEFIT PLAN OR
         OTHER RETIREMENT ARRANGEMENT (EACH A "PLAN") SUBJECT TO THE
         EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED
         ("ERISA"), OR THE CODE WILL BE REGISTERED EXCEPT IN COMPLIANCE
         WITH THE PROCEDURES DESCRIBED HEREIN.

         ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE
         MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES (I) AN
         AFFIDAVIT TO THE TRUSTEE THAT (A) SUCH TRANSFEREE IS NOT (1)
         THE UNITED STATES OR ANY POSSESSION THEREOF, ANY STATE OR
         POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY
         INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF
         ANY OF THE FOREGOING, (2) ANY ORGANIZATION (OTHER THAN A
         COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) THAT IS
         EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS
         SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION

                                     A-19-1
<PAGE>

         511 OF THE CODE, (3) ANY ORGANIZATION DESCRIBED IN SECTION
         1381(A)(2)(C) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE
         FOREGOING CLAUSES (1), (2) OR (3) SHALL HEREINAFTER BE REFERRED
         TO AS A "DISQUALIFIED ORGANIZATION") OR (4) AN AGENT OF A
         DISQUALIFIED ORGANIZATION AND (B) NO PURPOSE OF SUCH TRANSFER
         IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX, AND (II) SUCH
         TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO
         THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE.
         NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF
         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
         HEREOF SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF
         THIS PARAGRAPH AND THE PROVISIONS OF SECTION 5.02(D) OF THE
         POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. ANY PERSON
         THAT IS A DISQUALIFIED ORGANIZATION IS PROHIBITED FROM
         ACQUIRING BENEFICIAL OWNERSHIP OF THIS CERTIFICATE.

<TABLE>
<CAPTION>
<S>                                             <C>
Series 2004-WHQ1, Class R-X                     Aggregate Percentage Interest of the
                                                Class R-X  Certificates as of the Issue
                                                Date: 100.00% Percentage
Date of Pooling and Servicing Agreement and
Cut-off Interest Date: September 1, 2004        Denomination: 100% Percentage Interest

First Distribution Date: October 25, 2004       Master Servicer:  HomEq Servicing Corporation

No. 1                                           Trustee:  Wells Fargo Bank, N.A.

                                                Issue Date: September 7, 2004
</TABLE>

                                     A-19-2
<PAGE>

                      ASSET-BACKED PASS-THROUGH CERTIFICATE

evidencing a beneficial ownership interest in a Trust Fund (the "Trust Fund")
consisting primarily of a pool of conventional one- to four-family
adjustable-rate and fixed-rate first lien mortgage loans (the "Mortgage Loans")
formed and sold by

                           PARK PLACE SECURITIES, INC.

         THIS CERTIFICATE DOES NOT REPRESENT AN OBLIGATION OF OR
         INTEREST IN PARK PLACE SECURITIES, INC., THE MASTER SERVICER,
         THE TRUSTEE OR ANY OF THEIR RESPECTIVE AFFILIATES. NEITHER THIS
         CERTIFICATE NOR THE UNDERLYING MORTGAGE LOANS ARE GUARANTEED BY
         ANY AGENCY OR INSTRUMENTALITY OF THE UNITED STATES.

                  This certifies that Ameriquest Mortgage Company is the
registered owner of a Percentage Interest specified above in that certain
beneficial ownership interest evidenced by all the Class R-X Certificates in a
REMIC created pursuant to a Pooling and Servicing Agreement, dated as specified
above (the "Agreement"), among Park Place Securities, Inc. (hereinafter called
the "Depositor," which term includes any successor entity under the Agreement),
the Master Servicer and 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, distributions 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 (a "Distribution Date"), commencing on
the First Distribution Date specified above, to the Person in whose name this
Certificate is registered on the Record Date, in an amount equal to the product
of the Percentage Interest evidenced by this Certificate and the amount required
to be distributed to the Holders of Class R-X Certificates on such Distribution
Date pursuant to the Agreement.

                  All distributions to the Holder of this Certificate under the
Agreement will be made or caused to be made by or on behalf of the Trustee by
wire transfer in immediately available funds to the account of the Person
entitled thereto if such Person shall have so notified the Trustee in writing at
least five Business Days prior to the Record Date immediately prior to such
Distribution Date or otherwise by check mailed by first class mail 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 by the Trustee 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 as provided in
the Agreement.

                  This Certificate is one of a duly authorized issue of
Certificates designated as Asset-Backed Pass-Through Certificates of the Series
specified on the face hereof (herein called the "Certificates") and representing
a Percentage Interest in the Class of Certificates specified on the face hereof
equal to the denomination specified on

                                     A-19-3
<PAGE>

the face hereof divided by the aggregate Certificate Principal Balance of the
Class of Certificates specified on the face hereof.

                  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. As provided in the
Agreement, withdrawals from the Collection Account and the Distribution Account
may be made from time to time for purposes other than distributions to
Certificateholders, such purposes including reimbursement of advances made, or
certain expenses incurred, with respect to the Mortgage Loans.

                  The Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and
obligations of the Depositor, the Master Servicer, the NIMS Insurer (if any),
the Trustee and the rights of the Certificateholders under the Agreement at any
time by the Depositor, the Master Servicer, the NIMS Insurer (if any) and the
Trustee with the consent of the NIMS Insurer (if any) and the Holders of
Certificates entitled to at least 66% of the Voting Rights. 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 this Certificate. The Agreement also
permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the 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 as provided in
the Agreement, 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 the same Class in authorized denominations evidencing the same
aggregate Percentage Interest will be issued to the designated transferee or
transferees.

                  The Certificates are issuable in fully registered form only
without coupons in Classes and denominations representing Percentage Interests
specified in the Agreement. As provided in the Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new
Certificates of the same Class in authorized denominations evidencing the same
aggregate Percentage Interest, as requested by the Holder surrendering the same.

                  No transfer of this Certificate shall be made unless the
transfer is made pursuant to an effective registration statement under the
Securities Act of 1933, as amended (the "1933 Act"), and an effective
registration or qualification under applicable state securities laws, or is made
in a transaction that does not require such registration or qualification. In
the event that such a transfer of this Certificate is to be made without
registration or qualification, the Trustee and the Certificate Registrar shall
require receipt of (i) if such transfer is purportedly being made in reliance
upon Rule 144A under the 1933 Act, written certifications from the Holder of the
Certificate desiring to effect the transfer, and from such Holder's prospective
transferee, substantially in the forms attached to the Agreement as Exhibit F-1,
and (ii) in all other cases, an Opinion of Counsel satisfactory to it that such
transfer may be made without such registration or

                                     A-19-4
<PAGE>

qualification (which Opinion of Counsel shall not be an expense of the Trust
Fund or of the Depositor, the Trustee or the Master Servicer in their respective
capacities as such), together with copies of the written certification(s) of the
Holder of the Certificate desiring to effect the transfer and/or such Holder's
prospective transferee upon which such Opinion of Counsel is based. None of the
Depositor, the Certificate Registrar or the Trustee is obligated to register or
qualify the Class of Certificates specified on the face hereof under the 1933
Act or any other securities law or to take any action not otherwise required
under the Agreement to permit the transfer of such Certificates without
registration or qualification. Any Holder desiring to effect a transfer of this
Certificate shall be required to indemnify the Trustee, the Depositor, the
Certificate Registrar and the Master Servicer 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.

                  No transfer of this Certificate to a Plan subject to ERISA or
Section 4975 of the Code, any Person acting, directly or indirectly, on behalf
of any such Plan or any Person using "Plan Assets" to acquire this Certificate
shall be made except in accordance with Section 5.02(c) of the Agreement.

                  Prior to registration of any transfer, sale or other
disposition of this Certificate, the proposed transferee shall provide to the
Trustee (i) an affidavit to the effect that such transferee is any Person other
than a Disqualified Organization or the agent (including a broker, nominee or
middleman) of a Disqualified Organization, and (ii) a certificate that
acknowledges that (A) the Class R Certificates have been designated as residual
interests in three REMICs, (B) it will include in its income a PRO RATA share of
the net income of the Trust Fund and that such income may be an "excess
inclusion," as defined in the Code, that, with certain exceptions, cannot be
offset by other losses or benefits from any tax exemption, and (C) it expects to
have the financial means to satisfy all of its tax obligations including those
relating to holding the Class R Certificates. Notwithstanding the registration
in the Certificate Register of any transfer, sale or other disposition of this
Certificate to a Disqualified Organization or an agent (including a broker,
nominee or middleman) 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, including, but not limited to,
the receipt of distributions in respect of this Certificate.

                  The Holder of this Certificate, by its acceptance hereof,
shall be deemed to have consented to the provisions of Section 5.02 of the
Agreement and to any amendment of the Agreement deemed necessary by counsel of
the Depositor to ensure that the transfer of this Certificate to any Person
other than a Permitted Transferee or any other Person will not cause the Trust
Fund to cease to qualify as a REMIC or cause the imposition of a tax upon the
REMIC.

                  No service charge will be made for any such registration of
transfer or exchange of Certificates, but the Trustee may require payment of a
sum sufficient to cover any tax or other governmental charge that may be imposed
in connection with any transfer or exchange of Certificates.

                  The Depositor, the Master Servicer, the Trustee, the NIMS
Insurer (if any) and the Certificate Registrar and any agent of the Depositor,
the Master Servicer, the Trustee, the NIMS Insurer (if any) or the Certificate
Registrar may treat the Person in whose name this Certificate is registered as
the owner hereof for all purposes, and none of the Depositor, the Master
Servicer,

                                     A-19-5
<PAGE>

the Trustee, the NIMS Insurer (if any), the Certificate Registrar or any such
agent shall be affected by notice to the contrary.

                  The obligations created by the Agreement and the Trust Fund
created thereby shall terminate upon payment to the Certificateholders of all
amounts held by the Trustee and required to be paid to them pursuant to the
Agreement following the earlier of (i) the final payment or other liquidation
(or any advance with respect thereto) of the last Mortgage Loan remaining in
REMIC I, and (ii) the purchase by the party designated in the Agreement at a
price determined as provided in the Agreement from REMIC I of all the Mortgage
Loans and all property acquired in respect of such Mortgage Loans. The Agreement
permits, but does not require, the party designated in the Agreement to purchase
from REMIC I all the Mortgage Loans and all property acquired in respect of any
Mortgage Loan at a price determined as provided in the Agreement. The exercise
of such right will effect early retirement of the Certificates; however, such
right to purchase is subject to the aggregate Stated Principal Balance of the
Mortgage Loans at the time of purchase being less than 10% of the sum of the
aggregate Stated Principal Balance of the Initial Mortgage Loans at the Cut-off
Date.

                  The recitals contained herein shall be taken as statements of
the Depositor and the Trustee assumes no responsibility for their correctness.

                  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.

                                     A-19-6
<PAGE>

                  IN WITNESS WHEREOF, the Trustee has caused this Certificate to
be duly executed.

Dated: September __, 2004

                                                WELLS FARGO BANK, N.A.
                                                as Trustee

                                                By:_____________________________
                                                         Authorized Officer

                          CERTIFICATE OF AUTHENTICATION

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

                                                WELLS FARGO BANK, N.A.
                                                as Certificate Registrar

                                                By:_____________________________
                                                         Authorized Signatory

                                     A-19-7
<PAGE>

                                  ABBREVIATIONS

                  The following abbreviations, when used in the inscription on
the face of this instrument, shall be construed as though they were written out
in full according to applicable laws or regulations:

TEN COM - as tenants in common           UNIF GIFT MIN ACT -    CUSTODIAN
                                                             -----------------
                                                             (Cust)   (Minor)
TEN ENT - as tenants by the entireties                       under Uniform Gifts
                                                             to Minors Act

JT TEN -  as joint tenants with right                        _________________
          if survivorship and not as                             (State)
          tenants in common

    Additional abbreviations may also be used though not in the above list.

                                   ASSIGNMENT

                  FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s)
and transfer(s) unto ___________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
(Please print or typewrite name, address including postal zip code, and Taxpayer
Identification Number of assignee)

a Percentage Interest equal to____% evidenced by the within Asset-Backed Pass-
Through Certificate and hereby authorize(s) the registration of transfer 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 Percentage Interest 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

                                     A-19-8
<PAGE>

                            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.

                                     A-19-9
<PAGE>

                                    EXHIBIT B

                           FORM OF LOST NOTE AFFIDAVIT

Loan #: ____________
Borrower: _____________

                               LOST NOTE AFFIDAVIT

                  I, as ____________________ of ______________________, a
_______________ corporation am authorized to make this Affidavit on behalf of
_____________________ (the "Seller"). In connection with the administration of
the Mortgage Loans held by ____________________, a _________________ corporation
as Seller on behalf of Park Place Securities, Inc. (the "Purchaser"),
_____________________ (the "Deponent"), being duly sworn, deposes and says that:

         1.       The Seller's address is: _____________________
                                           _____________________
                                           _____________________

         2.       The Seller previously delivered to the Purchaser a signed
                  Initial Certification with respect to such Mortgage and/or
                  Assignment of Mortgage;

         3.       Such Mortgage Note and/or Assignment of Mortgage was assigned
                  or sold to the Purchaser by ________________________, a
                  ____________ corporation pursuant to the terms and provisions
                  of a Mortgage Loan Purchase Agreement dated as of __________
                  __, _____;

         4.       Such Mortgage Note and/or Assignment of Mortgage is not
                  outstanding pursuant to a request for release of Documents;

         5.       Aforesaid Mortgage Note and/or Assignment of Mortgage (the
                  "Original") has been lost;

         6.       Deponent has made or caused to be made a diligent search for
                  the Original and has been unable to find or recover same;

         7.       The Seller was the Seller of the Original at the time of the
                  loss; and

         8.       Deponent agrees that, if said Original should ever come into
                  Seller's possession, custody or power, Seller will immediately
                  and without consideration surrender the Original to the
                  Purchaser.

         9.       Attached hereto is a true and correct copy of (i) the Note,
                  endorsed in blank by the Mortgagee and (ii) the Mortgage or
                  Deed of Trust (strike one) which secures the Note, which
                  Mortgage or Deed of Trust is recorded in the county where the
                  property is located.

                                      B-1
<PAGE>

         10.      Deponent hereby agrees that the Seller (a) shall indemnify and
                  hold harmless the Purchaser, its successors and assigns,
                  against any loss, liability or damage, including reasonable
                  attorney's fees, resulting from the unavailability of any
                  Notes, including but not limited to any loss, liability or
                  damage arising from (i) any false statement contained in this
                  Affidavit, (ii) any claim of any party that has already
                  purchased a mortgage loan evidenced by the Lost Note or any
                  interest in such mortgage loan, (iii) any claim of any
                  borrower with respect to the existence of terms of a mortgage
                  loan evidenced by the Lost Note on the related property to the
                  fact that the mortgage loan is not evidenced by an original
                  note and (iv) the issuance of a new instrument in lieu thereof
                  (items (i) through (iv) above hereinafter referred to as the
                  "Losses") and (b) if required by any Rating Agency in
                  connection with placing such Lost Note into a Pass-Through
                  Transfer, shall obtain a surety from an insurer acceptable to
                  the applicable Rating Agency to cover any Losses with respect
                  to such Lost Note.

11.               This Affidavit is intended to be relied upon by the Purchaser,
                  its successors and assigns. _____________________, a
                  ______________ corporation represents and warrants that it has
                  the authority to perform its obligations under this Affidavit
                  of Lost Note.

Executed this ____ day, of ___________ ______.

                                           SELLER

                                           By: _______________________________
                                               Name:
                                               Title:

                  On this _____ day of ________, _____, before me appeared
_________________ to me personally known, who being duly sworn did say that he
is the _____________________ of ____________________ a ______________
corporation and that said Affidavit of Lost Note was signed and sealed on behalf
of such corporation and said acknowledged this instrument to be the free act and
deed of said corporation.

                                           Signature:

                                           [Seal]

                                      B-2
<PAGE>

                                   EXHIBIT C-1

                          FORM OF INITIAL CERTIFICATION

                                                                       [Date]

Park Place Securities, Inc.
1100 Town & Country Road, Suite 1100
Orange, California 92868

HomEq Servicing Corporation
4837 Watt Avenue, North Highlands
California 95660-5101

           Re:   Pooling and Servicing Agreement, dated as of
                 September 1, 2004, among Park Place Securities, Inc.,
                 HomEq Servicing Corporation and Wells Fargo Bank,
                 N.A., relating to Park Place Securities, Inc.,
                 Asset-backed Pass-Through Certificates, Series 2004-WHQ1
                 --------------------------------------------------------

Ladies and Gentlemen:

                  Pursuant to Section 2.01 of the Pooling and Servicing
Agreement, dated as of May 1 2004, among Park Place Securities, Inc. as
depositor, HomEq Servicing Corporation as master servicer and Wells Fargo Bank,
N.A. as trustee, we hereby acknowledge that as to each Mortgage Loan listed in
the Mortgage Loan Schedule (other than any Mortgage Loan paid in full or any
Mortgage Loan specifically identified in the exception report annexed thereto as
not being covered by such certification), (i) all documents constituting part of
such Mortgage File (other than such documents described in Section 2.01(v))
required to be delivered to it pursuant to this Agreement are in its possession,
(ii) such documents have been reviewed by it or such Custodian and are not
mutilated, torn or defaced unless initialed by the related borrower and relate
to such Mortgage Loan, (iii) based on its or the Custodian's examination and
only as to the foregoing, the information set forth in the Mortgage Loan
Schedule that corresponds to items (1) through (3), (6), (9), (10), (13), (15)
and (19) of the definition of "Mortgage Loan Schedule" accurately reflects
information set forth in the Mortgage File.

                  The [Trustee/Custodian] has made no independent examination of
any documents contained in each Mortgage File beyond the review specifically
required in the above-referenced Pooling and Servicing Agreement. The
[Trustee/Custodian] makes no representations as to: (i) the validity, legality,
sufficiency, recordability, enforceability or genuineness of any of the
documents contained in the Mortgage File of any of the Mortgage Loans identified
on the Mortgage Loan Schedule; or (ii) the collectability, insurability,
perfection, priority, effectiveness or suitability of any such Mortgage Loan.

                  The [Trustee/Custodian] was under no duty or obligation (i) to
inspect, review or examine any such documents, instruments, certificates or
other papers to determine whether they are genuine, enforceable, or appropriate
for the represented purpose or whether they have actually been recorded or that
they are other than what they purport to be on their face or (ii) to

                                     C-1-1
<PAGE>

determine whether any Mortgage File should include any of the documents
specified in clause (v) of Section 2.01.

                  Capitalized terms used but not defined herein shall have the
meanings assigned to them in the Pooling and Servicing Agreement.

                                                [Trustee/Custodian]

                                                By:_____________________________
                                                Name:
                                                Title:

                                     C-1-2
<PAGE>

                                   EXHIBIT C-2

                           FORM OF FINAL CERTIFICATION

                                                   [Date]

Park Place Securities, Inc.
1100 Town & Country Road, Suite 1100
Orange, California 92868

HomEq Servicing Corporation
4837 Watt Avenue, North Highlands
California 95660-5101

           Re:   Pooling and Servicing Agreement, dated as of
                 September 1, 2004, among Park Place Securities, Inc.,
                 HomEq Servicing Corporation and Wells Fargo Bank,
                 N.A., relating to Park Place Securities, Inc.,
                 Asset-Backed Pass-Through Certificates, Series 2004-WHQ1
                 --------------------------------------------------------

Ladies and Gentlemen:

                  In accordance with Section 2.02 of the above-captioned Pooling
and Servicing Agreement, the undersigned, as [Trustee/Custodian, on behalf of
the Trustee], hereby certifies that as to each Mortgage Loan listed in the
Mortgage Loan Schedule (other than any Mortgage Loan paid in full or listed on
the attachment hereto), it or a Custodian on its behalf has received each of the
documents listed in Section 2.01.

                  The [Trustee/Custodian] has made no independent examination of
any documents contained in each Mortgage File beyond the review specifically
required in the above-referenced Pooling and Servicing Agreement. The
[Trustee/Custodian] makes no representations as to: (i) the validity, legality,
sufficiency, recordability, enforceability or genuineness of any of the
documents contained in the Mortgage File of any of the Mortgage Loans identified
on the Mortgage Loan Schedule; or (ii) the collectability, insurability,
perfection, priority, effectiveness or suitability of any such Mortgage Loan.

                  Capitalized words and phrases used herein shall have the
respective meanings assigned to them in the above-captioned Pooling and
Servicing Agreement.

                                               [Trustee/Custodian]

                                               By:______________________________
                                               Name:
                                               Title:

                                     C-2-1
<PAGE>

                                   EXHIBIT C-3

                        FORM OF RECEIPT OF MORTGAGE NOTE

                                               [Date]

Park Place Securities, Inc.
1100 Town & Country Road, Suite 1100
Orange, California 92868

HomEq Servicing Corporation
4837 Watt Avenue, North Highlands
California 95660-5101

             Re:  Pooling and Servicing Agreement, dated as of
                  September 1, 2004, among Park Place Securities, Inc.,
                  HomEq Servicing Corporation and Wells Fargo Bank,
                  N.A., relating to Park Place Securities, Inc.,
                  Asset-Backed Pass-Through Certificates, Series 2004-WHQ1
                  --------------------------------------------------------

Ladies and Gentlemen:

                  Pursuant to Section 2.01 of the Pooling and Servicing
Agreement, dated as of September 1, 2004, among Park Place Securities, Inc. as
depositor, HomEq Servicing Corporation as master servicer and Wells Fargo Bank,
N.A. as trustee, we hereby acknowledge the receipt of the original Mortgage Note
for each Mortgage Loan with any exceptions thereto listed on Exhibit 1.

                  Capitalized terms used but not defined herein shall have the
meanings assigned to them in the Pooling and Servicing Agreement.

                                           [Trustee/Custodian]

                                           By:______________________________
                                           Name:
                                           Title:

                                      C-3-1

<PAGE>

                                    EXHIBIT D

                    FORM OF MORTGAGE LOAN PURCHASE AGREEMENT

                                       D-1

<PAGE>

                        MORTGAGE LOAN PURCHASE AGREEMENT

                  This is a Mortgage Loan Purchase Agreement (the "Agreement"),
dated September 2, 2004, between Ameriquest Mortgage Company, a Delaware
corporation (the "Seller") and Park Place Securities, Inc., a Delaware
corporation (the "Purchaser").

                              PRELIMINARY STATEMENT

                  The Seller intends to sell the Mortgage Loans (as hereinafter
defined) to the Purchaser on the terms and subject to the conditions set forth
in this Agreement. The Purchaser shall deposit the Mortgage Loans into a
mortgage pool constituting the Trust Fund. The Trust Fund will be evidenced by a
single series of asset-backed pass-through certificates designated as Series
2004-WHQ1 (the "Certificates"). The Certificates will consist of nineteen
classes of certificates. The Class M-10 Certificates, the Class CE Certificates,
the Class P Certificates and the Residual Certificates (collectively, the
"Non-Offered Certificates") will be delivered to the Seller or its designee as
partial consideration for the Mortgage Loans as further described below.

                  The Certificates will be issued pursuant to a Pooling and
Servicing Agreement relating to the Series 2004-WHQ1 Certificates, dated as of
September 1, 2004 (the "Pooling and Servicing Agreement"), among the Purchaser
as depositor (in such capacity, the "Depositor"), HomEq Servicing Corporation as
master servicer (the "Master Servicer") and Wells Fargo Bank, N.A. as trustee
(in such capacity, the "Trustee"). Pursuant to the Pooling and Servicing
Agreement, the Depositor will assign all of its right, title and interest in and
to the Mortgage Loans, together with its rights under this Agreement, to the
Trustee for the benefit of the Certificateholders. Capitalized terms used but
not defined herein shall have the meanings set forth in the Pooling and
Servicing Agreement.

                  The parties hereto agree as follows:

                  SECTION 1. AGREEMENT TO PURCHASE. The Seller hereby sells, and
the Purchaser hereby purchases, on or before September 7, 2004 (the "Closing
Date"), certain adjustable-rate and fixed-rate conventional, one- to
four-family, residential mortgage loans (the "Mortgage Loans"), having an
aggregate principal balance as of the close of business on September 1, 2004
(the "Cut-off Date") of $[__] after giving effect to all payments due on the
Mortgage Loans on or before the Cut-off Date (the "Closing Balance"), whether or
not received, including the right to any Prepayment Charges collected after the
Cut-off Date from the Mortgagors in connection with any Principal Prepayments on
the Mortgage Loans. Any payments (including Prepayment Charges) collected on or
before the Cut-off Date, including all scheduled payments of principal and
interest due on or before the Cut-off Date and collected after the Cut-off Date,
shall belong to the Seller. In addition to the sale of the Mortgage Loans, the
Seller will cause the Cap Contracts to be transferred to the Purchaser.

                  SECTION 2. MORTGAGE LOAN SCHEDULE AND PREPAYMENT CHARGE
SCHEDULE. The Purchaser and the Seller have agreed upon which of the mortgage
loans owned by the Seller are to be purchased by the Purchaser pursuant to this
Agreement, and the Seller shall prepare or cause to be prepared on or prior to
the Closing Date a final schedule (the "Closing Schedule") describing such
Mortgage Loans and setting forth all of the Mortgage Loans to be purchased

<PAGE>
                                      -2-

under this Agreement. The Closing Schedule shall conform to the requirements set
forth in this Agreement and to the definition of "Mortgage Loan Schedule" under
the Pooling and Servicing Agreement. The Closing Schedule shall be used as the
Mortgage Loan Schedule under the Pooling and Servicing Agreement. The Seller
shall also prepare or cause to be prepared on or prior to the Closing Date a
final schedule (the "Prepayment Charge Schedule") setting forth each Mortgage
Loan containing a Prepayment Charge and conforming to the definition of
Prepayment Charge Schedule under the Pooling and Servicing Agreement.

                  SECTION 3. CONSIDERATION.

                  In consideration for the Mortgage Loans that will be purchased
hereunder, the Purchaser shall, as described in Section 8, (i) pay to or upon
the order of the Seller in immediately available funds an amount equal to the
net sale proceeds of the Class A-1 Certificates, the Class A-2 Certificates, the
Class A-3 Certificates, the Class A-4 Certificates, the Class A-5 Certificates,
the Class M-1 Certificates, the Class M-2 Certificates, the Class M-3
Certificates, the Class M-4 Certificates, the Class M-5 Certificates, the Class
M-6 Certificates, the Class M-7 Certificates, the Class M-8 Certificates and the
Class M-9 Certificates and (ii) deliver to the Seller, or its designee, the
Non-Offered Certificates.

                  SECTION 4. TRANSFER OF THE MORTGAGE LOANS.

                           (a) POSSESSION OF MORTGAGE FILES. The Seller does
hereby sell to the Purchaser, without recourse but subject to the terms of this
Agreement, all of its right, title and interest in, to and under the Mortgage
Loans, including the related Prepayment Charges collected after the Cut-off
Date. The contents of each Mortgage File not delivered to the Purchaser or to
any assignee, transferee or designee of the Purchaser on or prior to the Closing
Date are and shall be held in trust by the Seller for the benefit of the
Purchaser or any assignee, transferee or designee of the Purchaser. Upon the
sale and contribution of the Mortgage Loans, the ownership of each Mortgage
Note, the related Mortgage and the other contents of the related Mortgage File
is vested in the Purchaser and the ownership of all records and documents with
respect to the related Mortgage Loan prepared by or that come into the
possession of the Seller on or after the Closing Date shall immediately vest in
the Purchaser and shall be delivered immediately to the Purchaser or as
otherwise directed by the Purchaser.

                           (b) DELIVERY OF MORTGAGE LOAN DOCUMENTS. The Seller
will, on or prior to the Closing Date, deliver or cause to be delivered to the
Purchaser or any assignee, transferee or designee of the Purchaser each of the
following documents for each Mortgage Loan:

                  (i) the original Mortgage Note, endorsed in blank, without
         recourse, or in the following form: "Pay to the order of Wells Fargo
         Bank, N.A., as Trustee under the applicable agreement, without
         recourse, "with all prior and intervening endorsements showing a
         complete chain of endorsement from the originator to the Person so
         endorsing to the Trustee, or with respect to any lost Mortgage Note, an
         original Lost Note Affidavit; provided however, that such substitutions
         of Lost Note Affidavits for original Mortgage Notes may occur only with
         respect to Mortgage Loans, the aggregate Cut-off Date

<PAGE>
                                      -3-

         Principal Balance of which is less than or equal to 2.00% of the Pool
         Balance as of the Cut-off Date;

                  (ii) the original Mortgage with evidence of recording thereon,
         and a copy, certified by the appropriate recording office, of the
         recorded power of attorney, if the Mortgage was executed pursuant to a
         power of attorney, with evidence of recording thereon;

                  (iii) an original Assignment assigned in blank, without
         recourse;

                  (iv) the original recorded intervening Assignment or
         Assignments showing a complete chain of assignment from the originator
         to the Person assigning the Mortgage to the Trustee as contemplated by
         the immediately preceding clause (iii) or the original unrecorded
         intervening Assignments;

                  (v) the original or copies of each assumption, modification,
         written assurance or substitution agreement, if any; and

                  (vi) the original lender's title insurance policy or an
         attorney's opinion of title or similar guarantee of title acceptable to
         mortgage lenders generally in the jurisdiction where the Mortgaged
         Property is located, together with all endorsements or riders which
         were issued with or subsequent to the issuance of such policy, insuring
         the priority of the Mortgage as a first lien on the Mortgaged Property
         represented therein as a fee interest vested in the Mortgagor, or in
         the event such original title policy is unavailable, a written
         commitment or uniform binder or preliminary report of title issued by
         the title insurance or escrow company.

                  If any document referred to in Section 4(b)(ii), 4(b)(iii) or
4(b)(iv) above has been submitted for recording but either (x) has not been
returned from the applicable public recording office or (y) has been lost or
such public recording office has retained the original of such document, the
obligations of the Seller hereunder shall be deemed to have been satisfied upon
(1) delivery by or on behalf of the Seller promptly upon receipt thereof to the
Purchaser or any assignee, transferee or designee of the Purchaser of either the
original or a copy of such document certified by the Seller in the case of (x)
above or the public recording office in the case of (y) above to be a true and
complete copy of the recorded original thereof and (2) if such delivered copy is
certified by the Seller then in addition thereto delivery promptly upon receipt
thereof of either the original or a copy of such document certified by the
public recording office to be a true and complete copy of the original. In the
event that the original lender's title insurance policy has not yet been issued,
the Seller shall deliver to the Purchaser or any assignee, transferee or
designee of the Purchaser a written commitment or interim binder or preliminary
report of title issued by the title insurance or escrow company. Promptly upon
receipt by the Seller of any such original title insurance policy, the Seller
shall deliver such to the Purchaser or any assignee, transferee or designee of
the Purchaser.

                  The Seller shall promptly (and in no event later than thirty
(30) Business Days, subject to extension upon mutual agreement between the
Seller and the Trustee, following the later of (i) the Closing Date, (ii) the
date on which the Seller receives the Assignment from the

<PAGE>
                                      -4-

Trustee and (iii) the date of receipt by the Seller of the recording information
for a Mortgage) submit or cause to be submitted for recording, at no expense to
the Trust Fund or the Trustee, in the appropriate public office for real
property records, each Assignment referred to in (iii) and (iv) above and shall
execute each original Assignment referred to in (iii) in the following form:
"Wells Fargo Bank, N.A., as Trustee under the applicable agreement". In the
event that any such Assignment is lost or returned unrecorded because of a
defect therein, the Seller shall promptly prepare or cause to be prepared a
substitute Assignment or cure or cause to be cured such defect, as the case may
be, and thereafter cause each such Assignment to be duly recorded.

                  Notwithstanding the foregoing, however, for administrative
convenience and facilitation of servicing and to reduce closing costs, the
Assignments shall not be required to be submitted for recording (except with
respect to any Mortgage Loan located in Maryland) unless such failure to record
would result in a withdrawal or a downgrading by any Rating Agency of the rating
on any Class of Certificates, without regard to the Policy; provided further,
however, each Assignment shall be submitted for recording by the Seller (at the
direction of the Master Servicer) in the manner described above, at no expense
to the Trust Fund or the Trustee, upon the earliest to occur of: (i) reasonable
direction by Holders of Certificates entitled to at least 25% of the Voting
Rights or the NIMS Insurer, (ii) [reserved], (iii) the occurrence of the
bankruptcy or insolvency of the Seller and (iv) the occurrence of a servicing
transfer as described in Section 7.02 of the Pooling and Servicing Agreement and
with respect to any one assignment or Mortgage, the occurrence of a bankruptcy,
insolvency or foreclosure relating to the Mortgagor under the related Mortgage.

                  Each original document relating to any Mortgage Loan which is
not delivered to the Purchaser or its assignee, transferee or designee, if held
by the Seller, shall be so held for the benefit of the Purchaser or its
assignee, transferee or designee.

                           (c) ACCEPTANCE OF MORTGAGE LOANS. The documents
delivered pursuant to Section 4(b) hereof shall be reviewed by the Purchaser or
any assignee, transferee or designee of the Purchaser at any time before or
after the Closing Date (and with respect to each document permitted to be
delivered after the Closing Date within seven days of its delivery) to ascertain
that all required documents have been executed and received and that such
documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule.

                           (d) RESERVED.

                           (e) TRANSFER OF INTEREST IN AGREEMENTS. The Purchaser
has the right to assign its interest under this Agreement, in whole or in part,
to the Trustee, as may be required to effect the purposes of the Pooling and
Servicing Agreement, without the consent of the Seller, and the assignee shall
succeed to the rights and obligations hereunder of the Purchaser. Any expense
reasonably incurred by or on behalf of the Purchaser or the Trustee in
connection with enforcing any obligations of the Seller under this Agreement
shall be promptly reimbursed by the Seller.

                           (f) EXAMINATION OF MORTGAGE FILES. Prior to the
Closing Date, the Seller shall either (i) deliver in escrow to the Purchaser or
to any assignee, transferee or designee of the Purchaser, for examination, the
Mortgage File pertaining to each Mortgage Loan or (ii)

<PAGE>
                                      -5-

make such Mortgage Files available to the Purchaser or to any assignee,
transferee or designee of the Purchaser for examination at the Custodian's
offices in Santa Ana, California. Such examination may be made by the Purchaser,
and its respective designees, upon reasonable notice to the Seller and the
Trustee during normal business hours before the Closing Date and within sixty
(60) days after the Closing Date. If any such person makes such examination
prior to the Closing Date and identifies any Mortgage Loans that do not conform
to the requirements of the Purchaser as described in this Agreement, such
Mortgage Loans shall be deleted from the Closing Schedule. The Purchaser may, at
its option and without notice to the Seller, purchase all or part of the
Mortgage Loans without conducting any partial or complete examination. The fact
that the Purchaser or any person has conducted or has failed to conduct any
partial or complete examination of the Mortgage Files shall not affect the
rights of the Purchaser or any assignee, transferee or designee of the Purchaser
to demand repurchase or other relief as provided herein or under the Pooling and
Servicing Agreement.

                  SECTION 5. REPRESENTATIONS, WARRANTIES AND COVENANTS OF THE
SELLER.

                  The Seller hereby represents and warrants to the Purchaser, as
of the date hereof and as of the Closing Date, and covenants, that:

                  (1) The Seller is a corporation duly organized, validly
existing and in good standing under the laws of the State of Delaware and is
duly authorized and qualified to transact any and all business contemplated by
this Agreement to be conducted by the Seller in any state in which a Mortgaged
Property is located or is otherwise not required under applicable law to effect
such qualification and, in any event, is in compliance with the doing business
laws of any such State, to the extent necessary to ensure the ability of the
Master Servicer to enforce each Mortgage Loan and to service the Mortgage Loans
in accordance with the terms of the Pooling and Servicing Agreement;

                  (2) The Seller had the full corporate power and authority to
hold and sell each Mortgage Loan and has the full corporate power and authority
to service each Mortgage Loan, and to execute, deliver and perform, and to enter
into and consummate the transactions contemplated by this Agreement and has duly
authorized by all necessary corporate action on the part of the Seller the
execution, delivery and performance of this Agreement; this Agreement has been
duly executed and delivered by the Seller; and this Agreement, assuming the due
authorization, execution and delivery thereof by the Purchaser, constitutes a
legal, valid and binding obligation of the Seller, enforceable against the
Seller in accordance with its terms, except to the extent that (a) the
enforceability thereof may be limited by bankruptcy, insolvency, moratorium,
receivership and other similar laws relating to creditors' rights generally and
(b) the remedy of specific performance and injunctive and other forms of
equitable relief may be subject to the equitable defenses and to the discretion
of the court before which any proceeding therefor may be brought;

                  (3) The execution and delivery of this Agreement by the
Seller, the servicing of the Mortgage Loans by the Seller under the Pooling and
Servicing Agreement, the consummation of any other of the transactions herein
contemplated, and the fulfillment of or compliance with the terms hereof are in
the ordinary course of business of the Seller and will not (A) result in a
breach of any term or provision of the charter or by-laws of the Seller or (B)

<PAGE>
                                      -6-

conflict with, result in a breach, violation or acceleration of, or result in a
default under, the terms of any other material agreement or instrument to which
the Seller is a party or by which it may be bound, or any statute, order or
regulation applicable to the Seller of any court, regulatory body,
administrative agency or governmental body having jurisdiction over the Seller;
and the Seller is not a party to, bound by, or in breach or violation of any
indenture or other agreement or instrument, or subject to or in violation of any
statute, order or regulation of any court, regulatory body, administrative
agency or governmental body having jurisdiction over it, which materially and
adversely affects or, to the Seller's knowledge, would in the future materially
and adversely affect, (x) the ability of the Seller to perform its obligations
under this Agreement or (y) the business, operations, financial condition,
properties or assets of the Seller taken as a whole;

                  (4) No consent, approval, authorization or order of any court
or governmental agency or body is required for the execution, delivery and
performance by the Seller of, or compliance by the Seller with, this Agreement
or the consummation of the transactions contemplated hereby, or if any such
consent, approval, authorization or order is required, the Seller has obtained
the same;

                  (5) The Seller is an approved originator/servicer for Fannie
Mae or Freddie Mac in good standing and is a HUD approved mortgagee pursuant to
Section 203 and Section 211 of the National Housing Act; and

                  (6) Except as otherwise disclosed in the Prospectus
Supplement, dated September 2, 2004 (the "Prospectus Supplement"), no litigation
is pending against the Seller that would materially and adversely affect the
execution, delivery or enforceability of this Agreement or the ability of the
Seller to service the Mortgage Loans or the Seller to perform any of its other
obligations hereunder in accordance with the terms hereof.

                  SECTION 6. REPRESENTATIONS AND WARRANTIES OF THE SELLER
                             RELATING TO THE MORTGAGE LOANS.

                  (a) The Seller hereby represents and warrants to the
Purchaser, with respect to the Mortgage Loans as of the Closing Date or as of
such date specifically provided herein:

                           (1) The information set forth on the Mortgage Loan
Schedule with respect to each Mortgage Loan is true and correct in all material
respects;

                           (2) No material error, omission, misrepresentation,
negligence, fraud or similar occurrence with respect to any Mortgage Loan has
taken place on the part of any person, including without limitation, the
Mortgagor, any appraiser, any builder or developer, or any other party involved
in the origination of the Mortgage Loan or in the application of any insurance
in relation to such Mortgage Loan;

                           (3) All payments due prior to the Cut-off Date have
been made and none of the Mortgage Loans will have been contractually delinquent
for more than one calendar month more than once since the origination thereof;

                           (4) Each Mortgage is a valid and enforceable first or
second lien on the Mortgaged Property, including all improvements thereon,
subject only to (a) the lien of

<PAGE>
                                      -7-

nondelinquent current real property taxes and assessments, (b) covenants,
conditions and restrictions, rights of way, easements and other matters of
public record as of the date of recording of such Mortgage, such exceptions
appearing of record being acceptable to mortgage lending institutions generally
or specifically reflected in the appraisal made in connection with the
origination of the related Mortgage Loan, (c) other matters to which like
properties are commonly subject which do not materially interfere with the
benefits of the security intended to be provided by such Mortgage and (d) in the
case of a second lien, the first lien on such Mortgaged Property;

                           (5) Immediately prior to the sale of the Mortgage
Loans to the Purchaser, the Seller had good title to, and was the sole legal and
beneficial owner of, each Mortgage Loan free and clear of any pledge, lien,
encumbrance or security interest and has full right and authority, subject to no
interest or participation of, or agreement with, any other party to sell and
assign the same;

                           (6) There is no delinquent tax or assessment lien
against any Mortgaged Property;

                           (7) There is no valid offset, defense or counterclaim
to any Mortgage Note or Mortgage, including the obligation of the Mortgagor to
pay the unpaid principal of or interest on such Mortgage Note, nor will the
operation of any of the terms of the Mortgage Note and the Mortgage, or the
exercise of any right thereunder, render the Mortgage unenforceable, in whole or
in part, or subject to any valid right of rescission, set-off, counterclaim or
defense, including the defense of usury and no such valid right of rescission,
set-off, counterclaim or defense has been asserted with respect thereto;

                           (8) There are no mechanics' liens or claims for work,
labor or material rendered to the Mortgaged Property affecting any Mortgaged
Property which are or may be a lien prior to, or equal with, the lien of the
related Mortgage, except those which are insured against by the title insurance
policy referred to in (12) below;

                           (9) Subject to the Escrow Withhold referred to in
(19) below, each Mortgaged Property is free of material damage and is in good
repair;

                           (10) Each Mortgage Loan at origination complied in
all material respects with applicable local, state and federal laws and
regulations, including, without limitation, usury, equal credit opportunity,
real estate settlement procedures, truth-in-lending, disclosure laws and all
applicable predatory and abusive lending laws, and consummation of the
transactions contemplated hereby will not involve the violation of any such
laws;

                           (11) Neither the Seller nor any prior holder of any
Mortgage has modified, impaired or waived the Mortgage in any material respect
(except that a Mortgage Loan may have been modified by a written instrument
which has been recorded, if necessary, to protect the interests of the Purchaser
and which has been delivered to the Trustee); satisfied, canceled or
subordinated such Mortgage in whole or in part; released the related Mortgaged
Property in whole or in part from the lien of such Mortgage; or executed any
instrument of release, cancellation, modification or satisfaction with respect
thereto;

<PAGE>
                                      -8-

                           (12) A lender's policy of title insurance together
with a condominium endorsement, extended coverage endorsement, and an adjustable
rate mortgage endorsement (each as applicable) in an amount at least equal to
the Cut-off Date principal balance of each such Mortgage Loan or a commitment
(binder) to issue the same was effective on the date of the origination of each
Mortgage Loan, each such policy is valid and remains in full force and effect,
the transfer of the related Mortgage Loan to the Purchaser will not affect the
validity or enforceability of such policy and each such policy was issued by a
title insurer qualified to do business in the jurisdiction where the Mortgaged
Property is located and in a form acceptable to Fannie Mae or Freddie Mac, which
policy insures the Seller and successor owners of indebtedness secured by the
insured Mortgage, as to the first priority lien of the Mortgage; no claims have
been made under such lender's title insurance policy and no prior holder of the
related Mortgage, including the Seller, has done, by act or omission, anything
which would impair the coverage of such lender's title insurance policy;

                           (13) Each Mortgage Loan was originated by the Seller
or an Affiliate of the Seller in accordance with the underwriting standards as
set forth in the Prospectus Supplement (or, if generated by an entity other than
the Seller, in accordance with such other underwriting standards as set forth in
the Prospectus Supplement or, if generated on behalf of the Seller by a person
other than the Seller, is subject to the same underwriting standards and
procedures used by the Seller in originating mortgage loans directly as set
forth in the Prospectus Supplement) or by a savings and loan association,
savings bank, commercial bank, credit union, insurance company or similar
institution which is supervised and examined by a federal or state authority
(including a mortgage broker), or by a mortgagee approved by the Secretary of
Housing and Urban Development pursuant to Sections 203 and 211 of the National
Housing Act;

                           (14) With respect to each Adjustable-Rate Mortgage
Loan, on each adjustment date, the Mortgage Rate will be adjusted to equal the
Index plus the Gross Margin, rounded to the nearest 0.125%, subject to the
Periodic Rate Cap, the Maximum Mortgage Rate and the Minimum Mortgage Rate. The
related Mortgage Note is payable on the first day of each month in
self-amortizing monthly installments of principal and interest, with interest
payable in arrears, and requires a monthly payment which is sufficient to fully
amortize the outstanding principal balance of the Mortgage Loan over its
remaining term and to pay interest at the applicable Mortgage Rate. No Mortgage
Loan is subject to negative amortization;

                           (15) All of the improvements which were included for
the purpose of determining the appraised value of the Mortgaged Property lie
wholly within the boundaries and building restriction lines of such property,
and no improvements on adjoining properties encroach upon the Mortgaged
Property, except those, if any, which are insured against by the lender's title
insurance policy referred to in (12) above.

                           (16) All inspections, licenses and certificates
required to be made or issued with respect to all occupied portions of the
Mortgaged Property, including but not limited to certificates of occupancy, have
been made or obtained from the appropriate authorities, and the Mortgaged
Property is lawfully occupied under applicable law except as may otherwise be
insured against by the lender's title insurance policy referred to in (12)
above.

<PAGE>
                                      -9-

                           (17) All parties which have had any interest in the
Mortgage, whether as mortgagee, assignee, pledgee or otherwise, are (or, during
the period in which they held and disposed of such interest, were) in compliance
with any and all applicable licensing requirements of the laws of the state
wherein the Mortgaged Property is located;

                           (18) The Mortgage Note and the related Mortgage are
genuine, and each is the legal, valid and binding obligation of the maker
thereof, enforceable in accordance with its terms and with applicable laws. All
parties to the Mortgage Note and the Mortgage had legal capacity to execute the
Mortgage Note and the Mortgage and each Mortgage Note and Mortgage have been
duly and properly executed by such parties;

                           (19) The proceeds of each Mortgage Loan have been
fully disbursed, there is no requirement for future advances thereunder and any
and all requirements as to completion of any on-site or off-site improvements
and as to disbursements of any escrow funds therefor have been complied with,
except any Mortgaged Property or Mortgage Loan subject to an Escrow Withhold as
defined in the applicable Originator's underwriting guidelines. All costs, fees
and expenses incurred in making, closing or recording the Mortgage Loans were
paid;

                           (20) The related Mortgage contains customary and
enforceable provisions which render the rights and remedies of the holder
thereof adequate for the realization against the Mortgaged Property of the
benefits of the security, including, (i) in the case of a Mortgage designated as
a deed of trust, by trustee's sale, and (ii) otherwise by judicial foreclosure.
There is no homestead or other exemption available to the Mortgagor which would
materially interfere with the right to sell the Mortgaged Property at a
trustee's sale or the right to foreclose the Mortgage;

                           (21) With respect to each Mortgage constituting a
deed of trust, a trustee, duly qualified under applicable law to serve as such,
has been properly designated and currently so serves and is named in such
Mortgage, and no fees or expenses are or will become payable by the Purchaser to
the trustee under the deed of trust, except in connection with a trustee's sale
after default by the Mortgagor;

                           (22) There exist no deficiencies with respect to
escrow deposits and payments, if such are required, for which customary
arrangements for repayment thereof have not been made, and no escrow deposits or
payments of other charges or payments due the Seller have been capitalized under
the Mortgage or the related Mortgage Note;

                           (23) The origination, collection and servicing
practices used by the Seller with respect to each Mortgage Loan have been in all
material respects legal, proper, reasonable and customary in the subprime
mortgage origination and servicing business and each of the Mortgage Loans have
been serviced by the Seller since origination;

                           (24) There is no pledged account or other security
other than real estate securing the Mortgagor's obligations;

                           (25) No Mortgage Loan has a shared appreciation
feature, or other contingent interest feature;

<PAGE>
                                      -10-

                           (26) The improvements upon each Mortgaged Property
are covered by a valid, binding and existing hazard insurance policy that is in
full force and effect with a generally acceptable carrier that provides for fire
extended coverage and such other hazards as are customary in the area where the
Mortgaged Property is located representing coverage not less than the lesser of
the outstanding principal balance of the related Mortgage Loan or the minimum
amount required to compensate for damage or loss on a replacement cost basis.
All individual insurance policies and flood policies referred to in clause (27)
below contain a standard mortgagee clause naming the Seller or the original
mortgagee, and its successors in interest, as mortgagee, and the Seller has
received no notice that any premiums due and payable thereon have not been paid;
the Mortgage obligates the Mortgagor thereunder to maintain all such insurance,
including flood insurance, at the Mortgagor's cost and expense, and upon the
Mortgagor's failure to do so, authorizes the holder of the Mortgage to obtain
and maintain such insurance at the Mortgagor's cost and expense and to seek
reimbursement therefor from the Mortgagor, except as may be limited or
restricted by applicable law;

                           (27) If the Mortgaged Property is in an area
identified in the Federal Register by the Federal Emergency Management Agency as
having special flood hazards, a valid and binding flood insurance policy that is
in full force and effect in a form meeting the requirements of the current
guidelines of the Flood Insurance Administration is in effect with respect to
such Mortgaged Property with a generally acceptable carrier in an amount
representing coverage not less than the least of (A) the original outstanding
principal balance of the Mortgage Loan, (B) the minimum amount required to
compensate for damage or loss on a replacement cost basis or (C) the maximum
amount of insurance that is available under the Flood Disaster Protection Act of
1973;

                           (28) There is no default, breach, violation or event
of acceleration existing under the Mortgage or the related Mortgage Note; and
the Seller has not waived any default, breach, violation or event of
acceleration;

                           (29) Each Mortgaged Property is improved by a one- to
four-family residential dwelling, including condominium units and dwelling units
in planned unit developments, which does not include (a) cooperatives or (b)
mobile homes and manufactured homes (as defined in the Fannie Mae
Seller-Servicer's Guide), except when the appraisal indicates that (i) the
mobile or manufactured home was built under the Federal Manufactured Home
Construction and Safety Standards of 1976 or (ii) otherwise assumes the
characteristics of site-built housing and meets local building codes, is readily
marketable, has been permanently affixed to the site, is not in a mobile home
"park," and is treated as real property under the applicable state law. With
respect to any Mortgage Loan that is secured by a leasehold estate: (a) the
lease is valid, in full force and effect; (b) all rents and other payments due
under the lease have been paid; (c) the lessee is not in default under any
provision of the lease; (d) the term of the lease exceeds the maturity date of
the related Mortgage Loan by at least five (5) years; and (e) the Mortgagee
under the Mortgage Loan is given notice and an opportunity to cure any defaults
under the lease;

                           (30) There is no obligation on the part of the Seller
or any other party under the terms of the Mortgage or related Mortgage Note to
make payments in lieu of or in addition to those made by the Mortgagor;

<PAGE>
                                      -11-

                           (31) Any future advances made prior to the Cut-off
Date have been consolidated with the outstanding principal amount secured by the
Mortgage, and the secured principal amount, as consolidated, bears a single
interest rate and single repayment term reflected on the Mortgage Loan Schedule.
The consolidated principal amount does not exceed the original principal amount
of the Mortgage Loan;

                           (32) The Mortgage File contains an appraisal which
was (i) either performed by an appraiser who satisfied, and which was conducted
in accordance with, all of the applicable requirements of the Financial
Institutions Reform, Recovery and Enforcement Act of 1989, as amended or (ii)
conducted in accordance with an insured valuation model;

                           (33) None of the Mortgage Loans is a graduated
payment mortgage loan, nor is any Mortgage Loan subject to a temporary buydown
or similar arrangement;

                           (34) No Mortgagor has currently requested any relief
under the Servicemembers Civil Relief Act or similar state laws;

                           (35) The Mortgage Loans comply in all material
respects with the descriptions set forth under the captions "The Mortgage Pool"
and Annex III in the Prospectus Supplement;

                           (36) The Mortgage contains an enforceable provision
for the acceleration of the payment of the unpaid principal balance of the
Mortgage Loan in the event that the related Mortgaged Property is sold or
transferred without the prior written consent of the mortgagee thereunder,
except as may be limited by applicable law;

                           (37) The information set forth in the Prepayment
Charge Schedule attached as Schedule 2 to the Pooling and Servicing Agreement
(including the prepayment charge summary attached thereto) is complete, true and
correct in all material respects at the date or dates respecting which such
information is furnished and each Prepayment Charge is permissible and
enforceable in accordance with its terms upon the full and voluntary prepayment
by the Mortgagor under applicable law and complied in all material respects with
applicable local, state and federal laws (except to the extent that (i) the
enforceability thereof may be limited by bankruptcy, insolvency, moratorium,
receivership and other similar laws relating to creditors' rights generally or
(ii) the collectability thereof may be limited due to acceleration in connection
with a foreclosure or other involuntary payoff);

                           (38) Each Mortgage Loan is an obligation that is
principally secured by real property for purposes of the REMIC Provisions of the
Code;

                           (39) The Mortgage Loans are not subject to the
requirements of the Home Ownership and Equity Protection Act of 1994 ("HOEPA")
and no Mortgage Loan is subject to, or in violation of, any applicable state or
local law, ordinance or regulation similar to HOEPA;

                           (40) (a) No Mortgage Loan is a High Cost Loan as
defined by HOEPA or any other applicable predatory or abusive lending laws and
(b) no Mortgage Loan is a "high cost home", "covered" (excluding home loans
defined as "covered home loans" in the

<PAGE>
                                      -12-

New Jersey Home Ownership Security Act of 2002 that were originated between
November 26, 2003 and July 7, 2004) , "high risk home" or "predatory" loan under
any other applicable state, federal or local law (or a similarly classified loan
using different terminology under a law imposing heightened regulatory scrutiny
or additional legal liability for resident mortgage loans having high interest
rates, points and/or fees);

                           (41) No Mortgage Loan originated on or after October
1, 2002 will impose a Prepayment Charge for a term in excess of three years. Any
Mortgage Loans originated prior to such date will not impose a Prepayment Charge
for a term in excess of five (5) years;

                           (42) No Mortgage Loan that is secured by property
located in the State of Georgia is either a "Covered Loan" or "High Cost Home
Loan" within the meaning of the Georgia Fair Lending Act, as amended (the
"Georgia Act");

                           (43) The Seller, as servicer for each Mortgage Loan
prior to the Closing Date, has fully furnished, in accordance with the Fair
Credit Reporting Act and its implementing regulations, accurate and complete
information (e.g., favorable and unfavorable) on its borrower credit files to
Equifax, Experian and Trans Union Credit Information Company or their successors
(the "Credit Repositories") on a monthly basis;

                           (44) There is no Mortgage Loan that was originated on
or after October 1, 2002 and before March 7, 2003 which is secured by property
located in the State of Georgia;

                           (45) The Prepayment Charges included in the
transaction are enforceable and originated in compliance with all applicable
federal, state and local law;

                           (46) No proceeds from any Mortgage Loan were used to
finance single-premium credit insurance policies;

                           (47) No Mortgage Loan is a high cost loan or a
covered loan, as applicable (as such terms are defined in Standard & Poor's
LEVELS Version 5.6 Glossary Revised, Appendix E);

                           (48) As of the Closing Date, no Mortgage Loan is the
subject of foreclosure proceedings and no obligor on any of the Mortgage Loans
has filed for bankruptcy protection or is a debtor under proceedings under the
federal Bankruptcy Code and there is no proceeding pending or to the Seller's
knowledge, threatened, for the total or partial condemnation of any Mortgaged
Property, nor is such a proceeding currently occurring;

                           (49) There are no violations of any local, state or
federal environmental law, rule or regulation with respect to any Mortgaged
Property and there is no pending action or proceeding directly involving a
Mortgaged Property in which compliance with any environmental law, rule or
regulation is in issue, and nothing further remains to be done to satisfy in
full all requirements of each such law, rule or regulation that is a
prerequisite to the use and enjoyment of such Mortgaged Property;

<PAGE>
                                      -13-

                           (51) With respect to any Mortgage Loan originated on
or after August 1, 2004 and underlying the security, neither the related
Mortgage nor the related Mortgage Note requires the borrower to submit to
arbitration to resolve any dispute arising out of or relating in any way to the
mortgage loan transaction; and

                           (50) None of the Mortgage Loans are cash-out
refinance land contracts.

         (b) The Seller hereby represents and warrants to the Purchaser, with
respect to the Group I Mortgage Loans as of the Closing Date or as of such date
specifically provided herein:

                           (1) Each Group I Mortgage Loan is in compliance with
the anti-predatory lending eligibility for purchase requirements of Fannie Mae's
Selling Guide;

                           (2) The methodology used in underwriting the
extension of credit for each Group I Mortgage Loan
employs objective mathematical principles which relate the Mortgagor's income,
assets and liabilities to the proposed payment and such underwriting methodology
does not rely on the extent of the Mortgagor's equity in the collateral as the
principal determining factor in approving such credit extension. Such
underwriting methodology confirmed that at the time of origination
(application/approval) the Mortgagor had a reasonable ability to make timely
payments on the Group I Mortgage Loan;

                           (3) With respect to any Group I Mortgage Loan that
contains a provision permitting imposition of a charge upon a prepayment prior
to maturity: (i) prior to the Group I Mortgage Loan's origination, the Mortgagor
agreed to such charge in exchange for a monetary benefit, including but not
limited to a rate or fee reduction, (ii) prior to the Group I Mortgage Loan's
origination, the Mortgagor was offered the option of obtaining a mortgage loan
that did not require payment of such a charge, (iii) the prepayment charge is
disclosed to the Mortgagor in the loan documents pursuant to applicable state
and federal law, (iv) the duration of the prepayment period shall not exceed
three (3) years from the date of the Mortgage Note if the Mortgage Loan was
originated on or after September 1, 2004, unless the loan was modified to reduce
the prepayment period to no more than three years from the date of the Mortgage
Note and the borrower was notified in writing of such reduction in the
prepayment period, and (v) notwithstanding any state or federal law to the
contrary, the Master Servicer shall not impose such prepayment charge in any
instance when the mortgage debt is accelerated as the result of the Mortgagor's
default in making the loan payments;

                           (4) All points and fees related to each Group I
Mortgage Loan were disclosed in writing to the Mortgagor in accordance with
applicable state and federal law and regulation. Except in the case of a Group I
Mortgage Loan in an original principal amount of less than $60,000 which would
have resulted in an unprofitable origination, no Mortgagor was charged "points
and fees" (whether or not financed) in an amount greater than 5% of the
principal amount of such loan and such 5% limitation is calculated in accordance
with Fannie Mae's anti-predatory lending requirements as set forth in the Fannie
Mae Selling Guide;

                           (5) All fees and charges (including finance charges)
and whether or not financed, assessed, collected or to be collected in
connection with the origination and

<PAGE>
                                      -14-

servicing of each Group I Mortgage Loan haves been disclosed in writing to the
Mortgagor in accordance with applicable state and federal law and regulation;

                           (6) No Group I Mortgage Loan Mortgagor was encouraged
or required to select a mortgage loan product offered by the Originator which is
a higher cost product designed for a less creditworthy Mortgagor, unless at the
time of the Mortgage Loan's origination, such Mortgagor did not qualify taking
into account credit history and debt to income ratios for a lower cost credit
product then offered by the Originator;

                           (7) No Group I Mortgage Loan Mortgagor was required
to purchase any credit life, disability, accident or health insurance product as
a condition of obtaining the extension of credit. No Mortgagor obtained a
prepaid single premium credit life, disability, accident or health insurance
policy in connection with the origination of the Group I Mortgage Loan. No
proceeds from any Group I Mortgage Loan were used to purchase single premium
credit insurance policies as part of the origination of, or as a condition to
closing, such Group I Mortgage Loan

                           (8) The Master Servicer will transmit full-file
credit reporting data for each Group I Mortgage Loan pursuant to Fannie Mae
Guide Announcement 95-19 and that for each Group I Mortgage Loan, the Master
Servicer agrees it shall report one of the following statuses each month as
follows: new origination, current, delinquent (30-, 60-, 90-days, etc.),
foreclosed, or charged-off;

                           (9) No Group I Mortgage Loan is a "High Cost Home
Loan" as defined in New York Banking Law 6-1;

                           (10) No Group I Mortgage Loan is a "High-Cost Home
Loan" as defined under the Arkansas Home Loan Protection Act, effective as of
July 14, 2003;

                           (11) No Group I Mortgage Loan is a "High-Cost Home
Loan" as defined under Kentucky State Statute KRS 360.100, effective as of June
25, 2003;

                           (12) No Group I Mortgage Loan is a "High-Cost Home
Loan" as defined in the New Jersey Home Ownership Act, effective as of November
27, 2003;

                           (13) No Group I Mortgage Loan is a "High-Cost Home
Loan" as defined in the New Mexico Home Loan Protection Act, effective as of
January 1, 2004; and

                           (14) No Group I Mortgage Loan is a "High-Risk Home
Loan" as defined in the Illinois High-Risk Home Loan Act, effective as of
January 1, 2004.

                  SECTION 7. REPURCHASE OBLIGATION FOR DEFECTIVE DOCUMENTATION
                             AND FOR BREACH OF REPRESENTATION AND WARRANTY.

                  (a) The representations and warranties contained in Section 6
shall not be impaired by any review and examination of loan files or other
documents evidencing or relating

<PAGE>
                                      -15-

to the Mortgage Loans or any failure on the part of the Purchaser to review or
examine such documents and shall inure to the benefit of any assignee,
transferee or designee of the Purchaser, including the Trustee for the benefit
of the Certificateholders.

                  Upon discovery by the Seller, the Purchaser or any assignee,
transferee or designee of the Purchaser of any materially defective document in,
or that any material document was not transferred by the Seller (as listed on
the Trustee's Preliminary Exception Report) as part of, any Mortgage File or of
a breach of any of the representations and warranties contained in Section 5 or
Section 6 that materially and adversely affects the value of any Mortgage Loan
or the interest therein of the Purchaser or the Purchaser's assignee, transferee
or designee (it being understood that with respect to the representations and
warranties set forth in (39), (40), (41), (43), (44), and (46) of Section 6(a)
herein, a breach of any such representation or warranty shall in and of itself
be deemed to materially adversely affect the interest therein of the Purchaser
and the Purchaser's assignee, transferee or designee), the party discovering the
breach shall give prompt written notice to the other. Within ninety (90) days of
its discovery or its receipt of notice of any such missing documentation which
was not transferred to the Purchaser as described above or materially defective
documentation or any such breach of a representation and warranty (it being
understood that with respect to the representations and warranties set forth in
(39), (40), (41), (43), (44) and (46) of Section 6(a) herein, a breach of any
such representation or warranty shall in and of itself be deemed to materially
adversely affect the interest therein of the Purchaser and the Purchaser's
assignee, transferee or designee), the Seller promptly shall deliver such
missing document or cure such defect or breach in all material respects, or in
the event the Seller cannot deliver such missing document or such defect or
breach cannot be cured, the Seller shall, within ninety (90) days of its
discovery or receipt of notice, either (i) repurchase the affected Mortgage Loan
at a price equal to the Purchase Price or (ii) pursuant to the provisions of the
Pooling and Servicing Agreement, cause the removal of such Mortgage Loan from
the Trust Fund and substitute one or more Qualified Substitute Mortgage Loans.
In the event that any Mortgage Loan is subject to a breach of the representation
and warranty in Section 6(a)(39) resulting in the Master Servicer's inability to
collect all or part of the Prepayment Charge from the Mortgagor, in lieu of
repurchase, the Seller shall be obligated to remit to the Master Servicer (for
deposit in the Collection Account) any shortfall in the Prepayment Charge
collected upon the Mortgagor's voluntary Principal Prepayment.

                  Notwithstanding the foregoing, within ninety (90) days of the
earlier of discovery by the Seller or receipt of notice by the Seller of the
breach of the representation of the Seller set forth in Section 6(a)(45) above
which materially and adversely affects the interests of the Holders of the Class
P Certificates in any Prepayment Charge, the Seller shall pay the amount of the
scheduled Prepayment Charge, for the benefit of the Holders of the Class P
Certificates, by depositing such amount into the Collection Account, net of any
amount previously collected by the Master Servicer and paid by the Master
Servicer, for the benefit of the Holders of the Class P Certificates, in respect
of such Prepayment Charge.

                  The Seller shall amend the Closing Schedule to reflect the
withdrawal of such Mortgage Loan from the terms of this Agreement and the
Pooling and Servicing Agreement and the addition, if any, of a Qualified
Substitute Mortgage Loan. The Seller shall deliver to the Purchaser such amended
Closing Schedule and shall deliver such other documents as are required by this
Agreement or the Pooling and Servicing Agreement within five (5) days of any

<PAGE>
                                      -16-

such amendment. Any repurchase pursuant to this Section 7(a) shall be
accomplished by deposit in the Collection Account of the amount of the Purchase
Price in accordance with Section 2.03 of the Pooling and Servicing Agreement.
Any repurchase or substitution required by this Section shall be made in a
manner consistent with Section 2.03 of the Pooling and Servicing Agreement.

                  In addition, upon discovery by the Seller, the Purchaser, or
any assignee, transferee or designee of the Purchaser that any Mortgage Loan
does not constitute a "qualified mortgage" within the meaning of Section
860G(a)(3) of the Code, the party discovering the breach shall give prompt
written notice within five (5) Business Days to the others. Within ninety (90)
days of its discovery or its receipt of notice, the Seller promptly shall either
(i) repurchase the affected Mortgage Loan at the Purchase Price (as such term is
defined in the Pooling and Servicing Agreement) or (ii) pursuant to the
provisions of the Pooling and Servicing Agreement, cause the removal of such
Mortgage Loan from the Trust Fund and substitute one or more Qualified
Substitute Mortgage Loans.

(b) It is understood and agreed that the obligations of the Seller set forth in
this Section 7 to cure, remit a Prepayment Charge shortfall, repurchase or
substitute for a defective Mortgage Loan constitute the sole remedies of the
Purchaser against the Seller respecting a missing or defective material document
or a breach of the representations and warranties contained in Section 5 or
Section 6.

                  SECTION 8. CLOSING; PAYMENT FOR THE MORTGAGE LOANS. The
closing of the purchase and sale of the Mortgage Loans shall be held at the New
York City office of Thacher Proffitt & Wood LLP at 10:00 AM New York City time
on the Closing Date.

                  The closing shall be subject to each of the following
conditions:

                  (a)      All of the representations and warranties of the
                           Seller under this Agreement shall be true and correct
                           in all material respects as of the date as of which
                           they are made and no event shall have occurred which,
                           with notice or the passage of time, would constitute
                           a default under this Agreement;

                  (b)      The Purchaser shall have received, or the attorneys
                           of the Purchaser shall have received in escrow (to be
                           released from escrow at the time of closing), all
                           Closing Documents as specified in Section 9 of this
                           Agreement, in such forms as are agreed upon and
                           acceptable to the Purchaser, duly executed by all
                           signatories other than the Purchaser as required
                           pursuant to the respective terms thereof;

                  (c)      The Seller shall have delivered or caused to be
                           delivered and released to the Purchaser or to its
                           designee, all documents (including without
                           limitation, the Mortgage Loans) required to be so
                           delivered by the Purchaser pursuant to Section 2.01
                           of the Pooling and Servicing Agreement; and

                  (d)      All other terms and conditions of this Agreement
                           shall have been complied with.

<PAGE>
                                      -17-

                  Subject to the foregoing conditions, the Purchaser shall
deliver or cause to be delivered to the Seller on the Closing Date, against
delivery and release by the Seller to the Trustee of all documents required
pursuant to the Pooling and Servicing Agreement, the consideration for the
Mortgage Loans as specified in Section 3 of this Agreement, by delivery to the
Seller of the purchase price.

                  SECTION 9. CLOSING DOCUMENTS. Without limiting the generality
of Section 8 hereof, the closing shall be subject to delivery of each of the
following documents:

                  (a)      (i) An Officers' Certificate of the Seller, dated the
                           Closing Date, in form satisfactory to and upon which
                           the Purchaser and the Underwriters may rely, and
                           attached thereto copies of the certificate of
                           incorporation, by-laws and certificate of good
                           standing of the Seller under the laws of Delaware and
                           stating that the information contained in the
                           Prospectus Supplement, relating to the Mortgage Loans
                           and the Seller, and the applicable loan portfolio, is
                           true and accurate in all material respects and does
                           not contain any untrue statement of a material fact
                           or omit to state a material fact required to be
                           stated therein or necessary to make the statements
                           therein, in light of the circumstances under which
                           they were made, not misleading and (ii) if any of the
                           Non-Offered Certificates are offered on the Closing
                           Date pursuant to a private placement memorandum, the
                           Seller shall deliver an Officer's Certificate stating
                           that the same information contained in such private
                           placement memorandum is true and accurate in all
                           material respects;

                  (b)      An Officers' Certificate of the Seller, dated the
                           Closing Date, in form satisfactory to and upon which
                           the Purchaser and the Underwriters may rely, with
                           respect to certain facts regarding the sale of the
                           Mortgage Loans by the Seller to the Purchaser;

                  (c)      An Opinion of Counsel of each of the Seller and the
                           Master Servicer, dated the Closing Date, in form
                           satisfactory to and addressed to the Purchaser, the
                           Certificate Insurer and the Underwriters;

                  (d)      Such opinions of counsel from the Purchaser's or
                           Seller's counsel as the Rating Agencies may request
                           in connection with the sale of the Mortgage Loans by
                           the Seller to the Purchaser or the Seller's execution
                           and delivery of, or performance under, this Agreement
                           and upon which the Underwriters may rely;

                  (e)      An Indemnification Agreement among the Master
                           Servicer, the Depositor and the Seller;

                  (f)      A letter from Deloitte & Touche LLP, certified public
                           accountants, dated the date hereof and to the effect
                           that they have performed certain specified procedures
                           as a result of which they determined that certain
                           information of an accounting, financial or
                           statistical nature set forth in the Prospectus

<PAGE>
                                      -18-

                           Supplement, under the captions "Summary of Prospectus
                           Supplement", "Risk Factors", "The Mortgage Pool",
                           "Yield on the Certificates", "Description of the
                           Certificates", "Pooling and Servicing Agreement--The
                           Seller", Annex II and Annex III agrees with the
                           records of the Seller;

                  (g)      A letter from KPMG LLP, certified public accountants,
                           dated the date hereof and to the effect that they
                           have performed certain specified procedures as a
                           result of which they determined that certain
                           information of an accounting, financial or
                           statistical nature set forth in the Prospectus
                           Supplement, under the caption "Pooling and Servicing
                           Agreement--The Master Servicer" agrees with the
                           records of the Master Servicer;

                  (h)      The Seller shall deliver for inclusion in the
                           Prospectus Supplement under the captions "The
                           Mortgage Pool--Underwriting Standards of the
                           Originators" and "Pooling and Servicing
                           Agreement--The Seller" or for inclusion in other
                           offering material such publicly available information
                           regarding its financial condition, underwriting
                           standards, lending activities and loan sales,
                           production, and servicing and collection practices,
                           and any similar nonpublic, unaudited financial
                           information;

                  (i)      The Master Servicer shall deliver for inclusion in
                           the Prospectus Supplement under the caption "Pooling
                           and Servicing Agreement--The Master Servicer" or for
                           inclusion in other offering material approved by the
                           Master Servicer certain publicly available
                           information regarding its financial condition and its
                           mortgage loan delinquency, foreclosure and loss
                           experience and servicing and collection practices,
                           and similar nonpublic, unaudited financial
                           information; and

                  (j)      Such further information, certificates, opinions and
                           documents as the Purchaser or the Underwriters may
                           reasonably request.

                  SECTION 10. COSTS. The Seller shall pay (or shall reimburse
the Purchaser or any other Person to the extent that the Purchaser or such other
Person shall pay) all costs and expenses incurred in connection with the
transfer and delivery of the Mortgage Loans, including without limitation,
assignment of mortgage recording costs and/or fees for title policy endorsements
and continuations, the fees and expenses of the Seller's in-house accountants
and in-house attorneys, the costs and expenses incurred in connection with
producing the Seller's loan loss, foreclosure and delinquency experience, and
the costs and expenses incurred in connection with obtaining the documents
referred to in Sections 9(d) and 9(e) to the extent such costs and expenses were
not previously paid by the Seller. The Seller shall pay (or shall reimburse the
Purchaser or any other Person to the extent that the Purchaser or such other
Person shall pay) the costs and expenses of printing (or otherwise reproducing)
and delivering this Agreement, the Pooling and Servicing Agreement, the
Certificates, the prospectus, the Prospectus Supplement, and the private
placement memorandum relating to the Certificates and other related documents,
the initial fees, costs and expenses of the Trustee relating to the issuance of
the initial certification of the Trustee under Section 2.02 of the Pooling and
Servicing Agreement, the fees and expenses of the Seller's counsel in connection
with the preparation of

<PAGE>
                                      -19-

 all documents relating to the securitization of the Mortgage
Loans, the filing fee charged by the Securities and Exchange Commission for
registration of the Certificates, the cost of outside special counsel that may
be required for the Purchaser, the cost of obtaining the documents referred to
in Section 9(g) and the fees charged by any rating agency to rate the
Certificates. All other costs and expenses in connection with the transactions
contemplated hereunder shall be borne by the party incurring such expense.

                  SECTION 11. [Reserved].

                  SECTION 12. [Reserved].

                  SECTION 13. MANDATORY DELIVERY; GRANT OF SECURITY INTEREST.
The sale and delivery on the Closing Date of the Mortgage Loans described on the
Mortgage Loan Schedule in accordance with the terms and conditions of this
Agreement is mandatory. It is specifically understood and agreed that each
Mortgage Loan is unique and identifiable on the date hereof and that an award of
money damages would be insufficient to compensate the Purchaser for the losses
and damages incurred by the Purchaser in the event of the Seller's failure to
deliver the Mortgage Loans on or before the Closing Date. The Seller hereby
grants to the Purchaser a lien on and a continuing security interest in the
Seller's interest in each Mortgage Loan and each document and instrument
evidencing each such Mortgage Loan to secure the performance by the Seller of
its obligation hereunder, and the Seller agrees that it holds such Mortgage
Loans in custody for the Purchaser, subject to the Purchaser's (i) right, prior
to the Closing Date, to reject any Mortgage Loan to the extent permitted by this
Agreement, and (ii) obligation to deliver or cause to be delivered the
consideration for the Mortgage Loans pursuant to Section 8 hereof. Any Mortgage
Loans rejected by the Purchaser shall concurrently therewith be released from
the security interest created hereby. The Seller agrees that, upon acceptance of
the Mortgage Loans by the Purchaser or its designee and delivery of payment to
the Seller, that its security interest in the Mortgage Loans shall be released.
All rights and remedies of the Purchaser under this Agreement are distinct from,
and cumulative with, any other rights or remedies under this Agreement or
afforded by law or equity and all such rights and remedies may be exercised
concurrently, independently or successively.

                  Notwithstanding the foregoing, if on the Closing Date, each of
the conditions set forth in Section 8 hereof shall have been satisfied and the
Purchaser shall not have paid or caused to be paid the purchase price, or any
such condition shall not have been waived or satisfied and the Purchaser
determines not to pay or cause to be paid the purchase price, the Purchaser
shall immediately effect the redelivery of the Mortgage Loans, if delivery to
the Purchaser has occurred and the security interest created by this Section 13
shall be deemed to have been released.

                  SECTION 14. NOTICES. All demands, notices and communications
hereunder shall be in writing and shall be deemed to have been duly given if
personally delivered to or mailed by registered mail, postage prepaid, or
transmitted by telex or telegraph and confirmed by a similar mailed writing, if
to the Purchaser, addressed to the Purchaser at 1100 Town & Country Road, Suite
1100,

<PAGE>
                                      -20-

Orange, California 92868, Facsimile: (714) 564-9639, Attention: General Counsel,
or such other address as may hereafter be furnished to the Seller in writing by
the Purchaser; if to the Seller, addressed to the Seller at 1100 Town & Country
Road, Suite 1100, Orange, California 92868, Facsimile: (714) 564-9639,
Attention: General Counsel, or to such other address as the Seller may designate
in writing to the Purchaser.

                  SECTION 15. SEVERABILITY OF PROVISIONS. Any part, provision,
representation or warranty of this Agreement which is prohibited or which is
held to be void or unenforceable shall be ineffective to the extent of such
prohibition or unenforceability without invalidating the remaining provisions
hereof. Any part, provision, representation or warranty of this Agreement which
is prohibited or unenforceable or is held to be void or unenforceable in any
jurisdiction shall, as to such jurisdiction, be ineffective to the extent of
such prohibition or unenforceability without invalidating the remaining
provisions hereof, and any such prohibition or unenforceability in any
jurisdiction as to any Mortgage Loan shall not invalidate or render
unenforceable such provision in any other jurisdiction. To the extent permitted
by applicable law, the parties hereto waive any provision of law which prohibits
or renders void or unenforceable any provision hereof.

                  SECTION 16. AGREEMENT OF PARTIES. The Seller and the Purchaser
agree to execute and deliver such instruments and take such actions as either of
the others may, from time to time, reasonably request in order to effectuate the
purpose and to carry out the terms of this Agreement and the Pooling and
Servicing Agreement.

                  SECTION 17. SURVIVAL. The Seller agrees that the
representations, warranties and agreements made by it herein and in any
certificate or other instrument delivered pursuant hereto shall be deemed to be
relied upon by the Purchaser, notwithstanding any investigation heretofore or
hereafter made by the Purchaser or on its behalf, and that the representations,
warranties and agreements made by the Seller herein or in any such certificate
or other instrument shall survive the delivery of and payment for the Mortgage
Loans and shall continue in full force and effect, notwithstanding any
restrictive or qualified endorsement on the Mortgage Notes and notwithstanding
subsequent termination of this Agreement, the Pooling and Servicing Agreement or
the Trust Fund.

                  SECTION 18. GOVERNING LAW. THIS AGREEMENT AND THE RIGHTS,
DUTIES, OBLIGATIONS AND RESPONSIBILITIES OF THE PARTIES HERETO SHALL BE GOVERNED
BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS (EXCLUDING THE CHOICE OF LAW
PROVISIONS) AND DECISIONS OF THE STATE OF NEW YORK. THE PARTIES HERETO INTEND
THAT THE PROVISIONS OF SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW
SHALL APPLY TO THIS AGREEMENT.

                  SECTION 19. MISCELLANEOUS. This Agreement may be executed in
two or more counterparts, each of which when so executed and delivered shall be
an original, but all of which together shall constitute one and the same
instrument. This Agreement shall inure to the benefit of and be binding upon the
parties hereto and their respective successors and assigns. This Agreement
supersedes all prior agreements and understandings relating to the subject
matter hereof. Neither this Agreement nor any term hereof may be changed,
waived, discharged or terminated orally, but only by an instrument in writing
signed by the party against whom enforcement of the change, waiver, discharge or
termination is sought; provided that if a modification or amendment adversely
affects the rights or interests of the Certificate Insurer or

<PAGE>
                                      -21-

the holders of the Insured Certificates, it requires the Certificate Insurer's
prior written consent. The headings in this Agreement are for purposes of
reference only and shall not limit or otherwise affect the meaning hereof. The
NIMS Insurer, if any, and the Certificate Insurer shall be a third party
beneficiary hereof and may enforce the terms hereof as if a party hereto.

                  It is the express intent of the parties hereto that the
conveyance of the Mortgage Loans by the Seller to the Purchaser as provided in
Section 4 hereof be, and be construed as, a sale of the Mortgage Loans by the
Seller to the Purchaser and not as a pledge of the Mortgage Loans by the Seller
to the Purchaser to secure a debt or other obligation of the Seller. However, in
the event that, notwithstanding the aforementioned intent of the parties, the
Mortgage Loans are held to be property of the Seller, then, (a) it is the
express intent of the parties that such conveyance be deemed a pledge of the
Mortgage Loans by the Seller to the Purchaser to secure a debt or other
obligation of the Seller and (b) (1) this Agreement shall also be deemed to be a
security agreement within the meaning of Articles 8 and 9 of the New York
Uniform Commercial Code; (2) the conveyance provided for in Section 4 hereof
shall be deemed to be a grant by the Seller to the Purchaser of a security
interest in all of the Seller's right, title and interest in and to the Mortgage
Loans and all amounts payable to the holders of the Mortgage Loans in accordance
with the terms thereof and all proceeds of the conversion, voluntary or
involuntary, of the foregoing into cash, instruments, securities or other
property, including without limitation all amounts, other than investment
earnings, from time to time held or invested in the Collection Account whether
in the form of cash, instruments, securities or other property; (3) the
possession by the Purchaser or its agent of Mortgage Notes, the related
Mortgages and such other items of property that constitute instruments, money,
negotiable documents or chattel paper shall be deemed to be "possession" for
purposes of perfecting the security interest pursuant to the New York Uniform
Commercial Code; and (4) 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, financial intermediaries, bailees or agents (as applicable) of the
Purchaser for the purpose of perfecting such security interest under applicable
law. Any assignment of the interest of the Purchaser pursuant to Section 4(d)
hereof shall also be deemed to be an assignment of any security interest created
hereby. The Seller and the Purchaser shall, to the extent consistent with this
Agreement, take such actions as may be necessary to ensure that, if this
Agreement were deemed to create a security interest in the Mortgage Loans, such
security interest would be deemed to be a perfected security interest of first
priority under applicable law and will be maintained as such throughout the term
of this Agreement and the Pooling and Servicing Agreement.

<PAGE>

                  IN WITNESS WHEREOF, the Seller and the Purchaser have caused
their names to be signed by their respective officers thereunto duly authorized
as of the date first above written.

                                      AMERIQUEST MORTGAGE COMPANY

                                      By: _________________________________
                                      Name:
                                      Title:

                                      PARK PLACE SECURITIES, INC.

                                      By: _________________________________
                                      Name:
                                      Title:

<PAGE>

                                    EXHIBIT E

                        REQUEST FOR RELEASE OF DOCUMENTS

To:               Wells Fargo Bank, N.A.,

         Re:      Pooling and Servicing Agreement dated as of September 1, 2004
                  among Park Place Securities, Inc., as depositor, HomEq
                  Servicing Corporation, as master servicer, and Wells Fargo
                  Bank, N.A., AS Trustee

                  In connection with the administration of the Mortgage Loans
                  held by you as Trustee pursuant to the above-captioned Pooling
                  and Servicing Agreement, we request the release, and hereby
                  acknowledge receipt, of the Trustee's Mortgage File for the
                  Mortgage Loan described below, for the reason indicated.

MORTGAGE LOAN NUMBER:

MORTGAGOR NAME. ADDRESS & ZIP CODE:

REASON FOR REQUESTING DOCUMENTS (check one):

________  1. Mortgage Paid in Full

________  2. Foreclosure

________  3. Substitution

________  4. Other Liquidation (Repurchases, etc.)

________  5. Nonliquidation                Reason: ______________________

Address to which Trustee should
deliver the Trustee's Mortgage File:

______________________________________
______________________________________

                                       E-1

<PAGE>

By: ____________________________________
            (authorized signer)

Issuer: ________________________________
Address: _______________________________
Date: __________________________________

TRUSTEE

Wells Fargo Bank, N.A.

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

         ______________________________________         ________________________
         Signature                                                Date

         Documents returned to Trustee:

         ______________________________________         ________________________
         Trustee                                                  Date

                                       E-2

<PAGE>

                                   EXHIBIT F-1

                    FORM OF TRANSFEROR REPRESENTATION LETTER

                                                                [DATED]

Wells Fargo Bank, N.A.

         Re:      Park Place Securities, Inc., Asset-Backed Pass-Through
                  Certificates, Series 2004-WHQ1, [CE] [P] [R], [R-X]
                  [representing a % Percentage Interest] [with an aggregate
                  Certificate Principal Balance of _____] [with a Notional
                  Amount of ______]
                  ---------------------------------------------------------

Ladies and Gentlemen:

                  In connection with the transfer by ________________ (the
"Transferor") to ________________ (the "Transferee") of the above-captioned
asset-backed pass-through certificates (the "Certificates"), the Transferor
hereby certifies as follows:

                  Neither the Transferor 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, (e) has taken any other action, that (in the case of each of
subclauses (a) through (e) above) would constitute a distribution of the
Certificates under the Securities Act of 1933, as amended (the "1933 Act"), or
would render the disposition of any Certificate a violation of Section 5 of the
1933 Act or any state securities law or would require registration or
qualification pursuant thereto. The Transferor will not act, nor has it
authorized or will it authorize any person to act, in any manner set forth in
the foregoing sentence with respect to any Certificate. The Transferor will not
sell or otherwise transfer any of the Certificates, except in compliance with
the provisions of that certain Pooling and Servicing Agreement, dated as of
September 1, 2004, among Park Place Securities, Inc. as Depositor, HomEq
Servicing Corporation as Master Servicer and Wells Fargo Bank, N.A. as Trustee
(the "Pooling and Servicing Agreement"), pursuant to which Pooling and Servicing
Agreement the Certificates were issued.

                                     F-1-1
<PAGE>

                  Capitalized terms used but not defined herein shall have the
meanings assigned thereto in the Pooling and Servicing Agreement.

                                           Very truly yours,

                                           [Transferor]

                                           By:________________________________
                                           Name:
                                           Title:

                                     F-1-2
<PAGE>

                    FORM OF TRANSFEREE REPRESENTATION LETTER

                                              [Date]

Wells Fargo Bank, N.A.

                  Re:      Park Place Securities, Inc., Asset-Backed
                           Pass-Through Certificates, Series 2004-WHQ1 Class
                           [CE] [P] [R], [R-X] [representing a ___ % Percentage
                           Interest] [with an aggregate Certificate Principal
                           Balance of _____] [With a Notional Amount of ______]
                           ----------------------------------------------------

Ladies and Gentlemen:

                  In connection with the purchase from ______________________
(the "Transferor") on the date hereof of the captioned trust certificates (the
"Certificates"), _______________ (the "Transferee") hereby certifies as follows:

                  1. The Transferee is a "qualified institutional buyer" as that
         term is defined in Rule 144A ("Rule 144A") under the Securities Act of
         1933, as amended (the "1933 Act") and has completed either of the forms
         of certification to that effect attached hereto as Annex 1 or Annex 2.
         The Transferee is aware that the sale to it is being made in reliance
         on Rule 144A. The Transferee is acquiring the Certificates for its own
         account or for the account of a qualified institutional buyer, and
         understands that such Certificate 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.

                  2. The Transferee has been furnished with all information
         regarding (a) the Certificates and distributions thereon, (b) the
         nature, performance and servicing of the Mortgage Loans, (c) the
         Pooling and Servicing Agreement referred to below and (d) any credit
         enhancement mechanism associated with the Certificates, that it has
         requested.

                  All capitalized terms used but not otherwise defined herein
have the respective meanings assigned thereto in the Pooling and Servicing
Agreement, dated as of September 1, 2004, among Park Place Securities, Inc. as
Depositor, HomEq Servicing Corporation as Master Servicer and Wells Fargo Bank,
N.A. as Trustee, pursuant to which the Certificates were issued.

                                           [TRANSFEREE]

                                           By: ______________________________
                                           Name:
                                           Title:

                                     F-1-3
<PAGE>

                                                          ANNEX 1 TO EXHIBIT F-1
                                                          ----------------------

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
            --------------------------------------------------------

          [For Transferees Other Than Registered Investment Companies]

                  The undersigned hereby certifies as follows to [name of
Transferor] (the "Transferor") and Wells Fargo Bank, N.A. as Trustee, with
respect to the asset-backed pass-through certificates (the "Certificates")
described in the Transferee Certificate to which this certification relates and
to which this certification is an Annex:

                  1. As indicated below, the undersigned is the President, Chief
Financial Officer, Senior Vice President or other executive officer of the
entity purchasing the Certificates (the "Transferee").

                  2. In connection with purchases by the Transferee, the
Transferee is a "qualified institutional buyer" as that term is defined in Rule
144A under the Securities Act of 1933, as amended ("Rule 144A") because (i) the
Transferee owned and/or invested on a discretionary basis
$______________________ in securities (except for the excluded securities
referred to below) as of the end of the Transferee's most recent fiscal year
(such amount being calculated in accordance with Rule 144A) and (ii) the
Transferee satisfies the criteria in the category marked below.

         ___      CORPORATION, ETC. The Transferee is a corporation (other than
                  a bank, savings and loan association or similar institution),
                  Massachusetts or similar business trust, partnership, or any
                  organization described in Section 501(c)(3) of the Internal
                  Revenue Code of 1986, as amended.

         ___      BANK. The Transferee (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 Transferee (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 1Transferee must own and/or
                  invest on a discretionary basis at least $100,000,000 in
                  securities unless Transferee is a dealer, and, in that case,
                  Transferee must own and/or invest on a discretionary basis at
                  least $10,000,000 in securities.

                                     F-1-4
<PAGE>

                  $25,000,000 as demonstrated in its latest annual financial
                  statements, a copy of which is attached hereto.

         ___      BROKER-DEALER. The Transferee is a dealer registered pursuant
                  to Section 15 of the Securities Exchange Act of 1934, as
                  amended.

         ___      INSURANCE COMPANY. The Transferee 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, territory or the District of Columbia.

         ___      STATE OR LOCAL PLAN. The Transferee 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 Transferee is an employee benefit plan within
                  the meaning of Title I of the Employee Retirement Income
                  Security Act of 1974.

         ___      INVESTMENT ADVISOR. The Transferee is an investment advisor
                  registered under the Investment Advisers Act of 1940, as
                  amended.

                  3. The term "Securities" as used herein does not include (i)
securities of issuers that are affiliated with the Transferee, (ii) securities
that are part of an unsold allotment to or subscription by the Transferee, if
the Transferee is a dealer, (iii) securities issued or guaranteed by the U.S. or
any instrumentality thereof, (iv) bank deposit notes and certificates of
deposit, (v) loan participations, (vi) repurchase agreements, (vii) securities
owned but subject to a repurchase agreement and (viii) 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 Transferee, the
Transferee used the cost of such securities to the Transferee and did not
include any of the securities referred to in the preceding paragraph. Further,
in determining such aggregate amount, the Transferee may have included
securities owned by subsidiaries of the Transferee, but only if such
subsidiaries are consolidated with the Transferee in its financial statements
prepared in accordance with generally accepted accounting principles and if the
investments of such subsidiaries are managed under the Transferee's direction.
However, such securities were not included if the Transferee is a
majority-owned, consolidated subsidiary of another enterprise and the Transferee
is not itself a reporting company under the Securities Exchange Act of 1934, as
amended.

                  5. The Transferee acknowledges that it is familiar with Rule
144A and understands that the Transferor 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 Transferee may be in reliance on Rule 144A.

         _____    ______    Will the Transferee be purchasing the Certificates
         Yes      No        only for the Transferee's own account?

                                     F-1-5
<PAGE>

                  6. If the answer to the foregoing question is "no", the
Transferee agrees that, in connection with any purchase of securities sold to
the Transferee for the account of a third party (including any separate account)
in reliance on Rule 144A, the Transferee 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 Transferee agrees that the Transferee
will not purchase securities for a third party unless the Transferee 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 Transferee 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 Transferee's purchase of the
Certificates will constitute a reaffirmation of this certification as of the
date of such purchase. In addition, if the Transferee is a bank or savings and
loan as provided above, the Transferee agrees that it will furnish to such
parties updated annual financial statements promptly after they become
available.

Dated:

                                           Print Name of Transferee

                                           By:______________________________
                                           Name:
                                           Title:

                                     F-1-6
<PAGE>

                                                          ANNEX 2 TO EXHIBIT F-1
                                                          ----------------------

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A
            --------------------------------------------------------

           [For Transferees That Are Registered Investment Companies]

                  The undersigned hereby certifies as follows to [name of
Transferor] (the "Transferor") and Wells Fargo Bank, N.A., as Trustee, with
respect to the asset-backed pass-through certificates (the "Certificates")
described in the Transferee Certificate to which this certification relates and
to which this certification is an Annex:

                  1. As indicated below, the undersigned is the President, Chief
Financial Officer or Senior Vice President of the entity purchasing the
Certificates (the "Transferee") or, if the Transferee is a "qualified
institutional buyer" as that term is defined in Rule 144A under the Securities
Act of 1933, as amended ("Rule 144A") because the Transferee is part of a Family
of Investment Companies (as defined below), is such an officer of the investment
adviser (the "Adviser").

                  2. In connection with purchases by the Transferee, the
Transferee is a "qualified institutional buyer" as defined in Rule 144A because
(i) the Transferee is an investment company registered under the Investment
Company Act of 1940, as amended, and (ii) as marked below, the Transferee alone,
or the Transferee'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 Transferee's most recent fiscal year. For purposes of determining the
amount of securities owned by the Transferee or the Transferee's Family of
Investment Companies, the cost of such securities was used.

         ____     The Transferee owned $___________________ in securities (other
                  than the excluded securities referred to below) as of the end
                  of the Transferee's most recent fiscal year (such amount being
                  calculated in accordance with Rule 144A).

         ____     The Transferee 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 Transferee's most recent fiscal year (such
                  amount being calculated in accordance with Rule 144A).

                  3. 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).

                  4. The term "Securities" as used herein does not include (i)
securities of issuers that are affiliated with the Transferee or are part of the
Transferee's Family of Investment Companies, (ii) securities issued or
guaranteed by the U.S. or any instrumentality thereof, (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.

                                     F-1-7
<PAGE>

                  5. The Transferee is familiar with Rule 144A and understands
that the parties to which this certification is being made are relying and will
continue to rely on the statements made herein because one or more sales to the
Transferee will be in reliance on Rule 144A. In addition, the Transferee will
only purchase for the Transferee's own account.

                  6. The undersigned will notify the parties to which this
certification is made of any changes in the information and conclusions herein.
Until such notice, the Transferee's purchase of the Certificates will constitute
a reaffirmation of this certification by the undersigned as of the date of such
purchase.

Dated:

                                           Print Name of Transferee or Advisor

                                           By: ________________________________
                                           Name:
                                           Title:

                                           IF AN ADVISER:

                                           ____________________________________
                                           Print Name of Transferee

                                     F-1-8
<PAGE>

                    FORM OF TRANSFEREE REPRESENTATION LETTER

         The undersigned hereby certifies on behalf of the purchaser named below
(the "Purchaser") as follows:

                  1. I am an executive officer of the Purchaser.

                  2. The Purchaser is a "qualified institutional buyer", as
         defined in Rule 144A, ("Rule 144A") under the Securities Act of 1933,
         as amended.

                  3. As of the date specified below (which is not earlier than
         the last day of the Purchaser's most recent fiscal year), the amount of
         "securities", computed for purposes of Rule 144A, owned and invested on
         a discretionary basis by the Purchaser was in excess of $100,000,000.

Name of Purchaser          _____________________________________________________

By:      (Signature)       _____________________________________________________

Name of Signatory          _____________________________________________________

Title    _______________________________________________________________________

Date of this certificate   _____________________________________________________

Date of information provided in paragraph 3  ___________________________________

                                     F-1-9
<PAGE>

                                   EXHIBIT F-2

                    FORM OF TRANSFER AFFIDAVIT AND AGREEMENT

STATE OF NEW YORK           )
                            : ss.:
COUNTY OF NEW YORK          )

                  ____________________________, being duly sworn, deposes,
represents and warrants as follows:

                  1. I am a ______________________ of __________________________
(the "Owner") a corporation duly organized and existing under the laws of
______________, the record owner of Park Place Securities, Inc., Asset-Backed
Pass-Through Certificates, Series 2004-WHQ1, Class [R] [R-X] (the "Residual
Certificates"), on behalf of whom I make this affidavit and agreement.
Capitalized terms used but not defined herein have the respective meanings
assigned thereto in the Pooling and Servicing Agreement pursuant to which the
Residual Certificates were issued.

                  2. The Owner (i) is and will be a "Permitted Transferee" as of
____________________, 2004 and (ii) is acquiring the Residual Certificates for
its own account or for the account of another Owner from which it has received
an affidavit in substantially the same form as this affidavit. A "Permitted
Transferee" is any person other than a "disqualified organization" or a
possession of the United States. For this purpose, a "disqualified organization"
means 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. The Owner is aware (i) of the tax that would be imposed on
transfers of the Residual Certificates to disqualified organizations under the
Internal Revenue Code of 1986, as amended that applies to all transfers of the
Residual Certificates after March 31, 1988; (ii) that such tax would be on the
transferor or, if such transfer is through an agent (which person includes a
broker, nominee or middleman) for a non-Permitted Transferee, on the agent;
(iii) that the person 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 a Permitted Transferee and, at the time of transfer, such
person does not have actual knowledge that the affidavit is false; and (iv) that
each of the Residual Certificates may be a "noneconomic residual interest"
within the meaning of proposed Treasury regulations promulgated under 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 is to impede the assessment or collection
of tax.

                                     F-2-1
<PAGE>

                  4. The Owner is aware of the tax imposed on a "pass-through
entity" holding the Residual Certificates if, at any time during the taxable
year of the pass-through entity, a non-Permitted Transferee 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 aware that the Certificate Registrar will not
register the transfer of any Class R Certificate unless the transferee, or the
transferee's agent, delivers to the Certificate Registrar, among other things,
an affidavit in substantially the same form as this affidavit. 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.

                  6. 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 Residual Certificates will only be
owned, directly or indirectly, by an Owner that is a Permitted Transferee.

                  7. The Owner's taxpayer identification number is ____________.

                  8. The Owner has reviewed the restrictions set forth on the
face of the Residual Certificates and the provisions of Section 5.02(d) of the
Pooling and Servicing Agreement under which the Residual Certificates were
issued (in particular, clauses (iii)(A) and (iii)(B) of Section 5.02(d) 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 that the Owner holds such
Certificate in violation of Section 5.02(d)); and that the Owner expressly
agrees to be bound by and to comply with such restrictions and provisions.

                  9. The Owner is not acquiring and will not transfer the
Residual Certificates in order to impede the assessment or collection of any
tax.

                  10. The Owner anticipates that it will, so long as it holds
the Residual Certificates, have sufficient assets to pay any taxes owed by the
holder of such Residual Certificates, and hereby represents to and for the
benefit of the person from whom it acquired the Residual Certificates that the
Owner intends to pay taxes associated with holding such Residual Certificates as
they become due, fully understanding that it may incur tax liabilities in excess
of any cash flows generated by the Residual Certificates.

                  11. The Owner has no present knowledge that it may become
insolvent or subject to a bankruptcy proceeding for so long as it holds the
Residual Certificates.

                  12. 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.

                  13. The Owner is not acquiring the Residual Certificates with
the intent to transfer the Residual Certificates to any person or entity that
will not have sufficient assets to pay any taxes owed by the holder of such
Residual Certificates, or that may become insolvent or subject to a bankruptcy
proceeding, for so long as the Residual Certificates remain outstanding.

                                     F-2-2
<PAGE>

                  14. The Owner will, in connection with any transfer that it
makes of the Residual Certificates, obtain from its transferee the
representations required by Section 5.02(d) of the Pooling and Servicing
Agreement under which the Class R Certificate were issued and will not
consummate any such transfer if it knows, or knows facts that should lead it to
believe, that any such representations are false.

                  15. The Owner will, in connection with any transfer that it
makes of the Residual Certificates, deliver to the Certificate Registrar an
affidavit, which represents and warrants that it is not transferring the
Residual Certificates to impede the assessment or collection of any tax and that
it has no actual knowledge that the proposed transferee: (i) has insufficient
assets to pay any taxes owed by such transferee as holder of the Residual
Certificates; (ii) may become insolvent or subject to a bankruptcy proceeding
for so long as the Residual Certificates remains outstanding; and (iii) is not a
"Permitted Transferee".

                  16. The Owner is a citizen or resident of the United States, a
corporation or partnership (or other entity treated as a corporation or
partnership for federal income tax purposes) created or organized in, or under
the laws of, the United States, any state thereof or the District of Columbia
(except, in the case of a partnership or entity treated as a partnership, to the
extent provided in regulations), an estate the income of which is subject to
United States federal income taxation regardless of its source or a trust other
than a "foreign trust" described in section 7701(a)(31) of the Code.

                                     F-2-3
<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 [Vice] President, attested by its [Assistant] Secretary, this ____ day of
__________, 200__.

                                                [OWNER]

                                                By:_____________________________
                                                Name:
                                                Title:   [Vice] President

ATTEST:

By:      ______________________________
Name:
Title:   [Assistant] Secretary

                  Personally appeared before me the above-named , known or
proved to me to be the same person who executed the foregoing instrument and to
be a [Vice] President of the Owner, and acknowledged to me that [he/she]
executed the same as [his/her] free act and deed and the free act and deed of
the Owner.

                  Subscribed and sworn before me this ___ day of _______, 200__.

                                                ________________________________
                                                       Notary Public

                                                County of ______________________
                                                State of _______________________

                                                My Commission expires:

                                     F-2-4
<PAGE>

                          FORM OF TRANSFEROR AFFIDAVIT

STATE OF NEW YORK           )
                            : ss. :
COUNTY OF NEW YORK          )

                  _______________________________________, being duly sworn,
deposes, represents and warrants _____________________________ as follows:

                  1. I am a ____________________ of (the "Owner"), a corporation
duly organized and existing under the laws of ______________, on behalf of whom
I make this affidavit.

                  2. The Owner is not transferring the Class [R] [R-X] (the
"Residual Certificates") to impede the assessment or collection of any tax.

                  3. The Owner has no actual knowledge that the Person that is
the proposed transferee (the "Purchaser") of the Residual Certificates: (i) has
insufficient assets to pay any taxes owed by such proposed transferee as holder
of the Residual Certificates; (ii) may become insolvent or subject to a
bankruptcy proceeding for so long as the Residual Certificates remain
outstanding and (iii) is not a Permitted Transferee.

                  4. The Owner understands that the Purchaser has delivered to
the Certificate Registrar a transfer affidavit and agreement in the form
attached to the Pooling and Servicing Agreement as Exhibit F-2. The Owner does
not know or believe that any representation contained therein is false.

                  5. At the time of transfer, the Owner has 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 Owner has determined that the Purchaser has
historically paid its debts as they became 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 Owner understands that the transfer of a
Residual Certificate may not be respected for United States income tax purposes
(and the Owner may continue to be liable for United States income taxes
associated therewith) unless the Owner has conducted such an investigation.

                  6. Capitalized terms not otherwise defined herein shall have
the meanings ascribed to them in the Pooling and Servicing Agreement.

                                     F-2-5
<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 [Vice] President, attested by its [Assistant] Secretary, this ____ day of
___________, 200__.

                                             [OWNER]

                                             By:      __________________________
                                             Name:
                                             Title:   [Vice] President

ATTEST:

By:      ______________________________
Name:
Title:   [Assistant] Secretary

                  Personally appeared before me the above-named , known or
proved to me to be the same person who executed the foregoing instrument and to
be a [Vice] President of the Owner, and acknowledged to me that [he/she]
executed the same as [his/her] free act and deed and the free act and deed of
the Owner.

                  Subscribed and sworn before me this ___ day of _______, 200__.

                                                ________________________________
                                                       Notary Public

                                                County of ______________________
                                                State of _______________________

                                                My Commission expires:

                                     F-2-6
<PAGE>

                                    EXHIBIT G

            FORM OF CERTIFICATION WITH RESPECT TO ERISA AND THE CODE
                                                  _____________, 200__

Park Place Securities, Inc.                            Wells Fargo Bank, N.A.
1100 Town & Country Road, Suite 1100
Orange, California 92868
HomEq Servicing Corporation
4837 Watt Avenue, North Highlands
California 95660-5101

       Re:  Park Place Securities, Inc., Asset-Backed Pass-Through Certificates,
            Series 2004-WHQ1, Class CE, P, R and R-X__________________
            --------------------------------------------------------------------

Dear Ladies and Gentlemen:

                  __________________________________ (the "Transferee") intends
to acquire from _____________________ (the "Transferor") [$____________ Initial
Certificate Principal Balance] [$____________ initial Notional Amount] [_____%
Percentage Interest] of Park Place Securities, Inc., Asset-Backed Pass-Through
Certificates, Series 2004-WHQ1, Class ___ (the "Certificates"), issued pursuant
to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement")
dated as of September 1, 2004 among Park Place Securities, Inc. as depositor
(the "Depositor"), HomEq Servicing Corporation as master servicer (the "Master
Servicer") and Wells Fargo Bank, N.A. as trustee (the "Trustee"). Capitalized
terms used herein and not otherwise defined shall have the meanings assigned
thereto in the Pooling and Servicing Agreement. The Transferee hereby certifies,
represents and warrants to, and covenants with the Depositor, the Trustee and
the Master Servicer that the following statements in either (1) or (2) are
accurate:

                  The Certificates either (A) (i) are not being acquired by, and
will not be transferred to, any employee benefit plan within the meaning of
section 3(3) of the Employee Retirement Income Security Act of 1974, as amended
("ERISA"), or other retirement arrangement, including individual retirement
accounts and annuities, Keogh plans and bank collective investment funds and
insurance company general or separate accounts in which such plans, accounts or
arrangements are invested, that is subject to Section 406 of ERISA or Section
4975 of the Internal Revenue Code of 1986, as amended (the "Code") (any of the
foregoing, a "Plan"), (ii) are not being acquired with "plan assets" of a Plan
within the meaning of the Department of Labor ("DOL") regulation, 29 C.F.R. ss.
2510.3-101, and (iii) will not be transferred to any entity that is deemed to be
investing in plan assets within the meaning of the DOL regulation at 29
C.F.R.ss.2510.3-101 or (B) solely in the case of the Class M-9 Certificates,
either (i) are not being acquired by, and will not be transferred to, a Plan or
(ii) [for the first transfer after an offering of Class M-9 Certificates, the
Class M-9Certificates have been offered in an underwriting or placement within
the meaning of Prohibited Transaction Exemption 2002-41, as amended] are being
acquired by an insurance company, the source of funds used to acquire and hold
the Certificate is an "insurance company general account" as such term is
defined in Prohibited Transaction Class Exemption ("PTCE") 95-60 and the
conditions in Sections I and III of PTCE 95-60 have been satisfied.

                                              Very truly yours,

                                              By: ______________________________
                                              Name:
                                              Title:

                                       G-1

<PAGE>

                                    EXHIBIT H

                              FORM OF CAP CONTRACTS

                                       H-1

<PAGE>

                                    EXHIBIT I

                                   [Reserved]

                                       I-1

<PAGE>

                                   EXHIBIT J-1

        FORM CERTIFICATION TO BE PROVIDED BY THE DEPOSITOR WITH FORM 10-K

                  I, [identify the certifying individual], certify that:

                  1. I have reviewed this annual report on Form 10-K, and all
reports on Form 8-K containing distribution or servicing reports filed in
respect of periods included in the year covered by this annual report, of Park
Place Securities, Inc., Asset-Backed Pass-Through Certificates, Series
2004-WHQ1;

                  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 this annual report;

                  3. Based on my knowledge, the distribution or servicing
information required to be provided to the trustee by the servicer under the
pooling and servicing, or similar, agreement, for inclusion in these reports is
included in these reports;

                  4. Based on my knowledge and upon the annual compliance
statement included in the report and required to be delivered to the trustee in
accordance with the terms of the pooling and servicing, or similar, agreement,
and except as disclosed in the reports, the servicer has fulfilled its
obligations under the servicing agreement; and

                  5. The reports disclose all significant deficiencies relating
to the servicer's compliance with the minimum servicing standards based upon the
report provided by an independent public accountant, after conducting a review
in compliance with the Uniform Single Attestation Program for Mortgage Bankers
or similar procedure, as set forth in the pooling and servicing, or similar,
agreement, that is included in these reports.

                  In giving the certifications above, I have reasonably relied
on information provided to me by the following unaffiliated parties: Wells Fargo
Bank, N.A.. and HomEq Servicing Corporation.

Date: __________________

                                             ______________________________
                                             [Signature]
                                             [Title]

                                      J-1-1

<PAGE>

                                   EXHIBIT J-2

                            FORM CERTIFICATION TO BE
                      PROVIDED TO DEPOSITOR BY THE TRUSTEE

                        Re: Park Place Securities, Inc.,
                   ASSET-BACKED CERTIFICATES, SERIES 2004-WHQ1

                  I, [identify the certifying individual], a [title] of Wells
Fargo Bank, N.A., as Trustee, hereby certify to Park Place Securities, Inc. (the
"Depositor"), and its officers, directors and affiliates, and with the knowledge
and intent that they will rely upon this certification, that:

                  1. I have reviewed the annual report on Form 10-K for the
fiscal year [___], and all reports on Form 8-K containing distribution reports
filed in respect of periods included in the year covered by that annual report,
of the Depositor relating to the above-referenced trust;

                  2. Based on my knowledge, the information in these
distribution reports prepared by the Trustee, 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; and

                  3. Based on my knowledge, the distribution information
required to be provided by the Trustee under the Pooling and Servicing Agreement
is included in these distribution reports.

                  Capitalized terms used but not defined herein have the
meanings ascribed to them in the Pooling and Servicing Agreement, dated
September 1, 2004 (the "Pooling and Servicing Agreement"), among the Registrant
as depositor, HomEq Servicing Corporation as master servicer and Wells Fargo
Bank, N.A. as trustee.

                                        WELLS FARGO BANK, N.A., as Trustee

                                        By:_______________________________
                                        Name:
                                        Title:
Date:

                                      J-2-1

<PAGE>

                                   EXHIBIT J-3

     FORM CERTIFICATION TO BE PROVIDED BY THE MASTER SERVICER WITH FORM 10-K

                  Re:      Park Place Securities, Inc.,
                           Asset-Backed Certificates, Series 2004-WHQ1
                           -------------------------------------------

                  I, [identify the certifying individual], a [title] of HomEq
Servicing Corporation, as Master Servicer, hereby certify to Park Place
Securities, Inc. (the "Depositor"), and its officers, directors and affiliates,
and with the knowledge and intent that they will rely upon this certification,
that:

                  1. I have reviewed the annual report on Form 10-K for the
fiscal year [___], and all reports on Form 8-K containing distribution reports
filed in respect of periods included in the year covered by that annual report,
of the Depositor relating to the above-referenced trust;

                  2. Based on my knowledge, the distribution or servicing
information required to be provided to the trustee by the servicer under the
pooling and servicing, or similar, agreement, for inclusion in these reports is
included in these reports;

                  4. Based on my knowledge and upon the annual compliance
statement included in the report and required to be delivered to the trustee in
accordance with the terms of the pooling and servicing, or similar, agreement,
and except as disclosed in the reports, the servicers has fulfilled its
obligations under the servicing agreement; and

                  5. The reports disclose all significant deficiencies relating
to the s compliance with the minimum servicing standards based upon the report
provided by an independent public accountant, after conducting a review in
compliance with the Uniform Single Attestation Program for Mortgage Bankers or
similar procedure, as set forth in the pooling and servicing, or similar,
agreement, that is included in these reports.

                  Capitalized terms used but not defined herein have the
meanings ascribed to them in the Pooling and Servicing Agreement, dated
September 1, 2004 (the "Pooling and Servicing Agreement"), among the Registrant
as depositor, HomEq Servicing Corporation as master servicer and Wells Fargo
Bank, N.A. as trustee.

Date: __________________

                                                 ___________________________
                                                 [Signature]
                                                 [Title]

                                      J-3-1

<PAGE>

                                    EXHIBIT K

                                   [Reserved]

                                       K-1

<PAGE>

                                    EXHIBIT L

                                   [Reserved]

                                       L-1

<PAGE>

                                    EXHIBIT M

             ANNUAL STATEMENT OF COMPLIANCE PURSUANT TO SECTION 3.19

                           Park Place Securities, Inc.
            Asset-Backed Pass-Through Certificates, Series 2004-WHQ1

                  I, _____________________, hereby certify that I am a duly
appointed __________________________ of HomEq Servicing Corporation (the "Master
Servicer"), and further certify as follows:

                  1. This certification is being made pursuant to the terms of
the Pooling and Servicing Agreement, dated as of September 1, 2004 (the
"Agreement"), among Park Place Securities, Inc., as depositor, the Master
Servicer and Wells Fargo Bank, N.A., as trustee.

                  2. I have reviewed the activities of the Master Servicer
during the preceding year and the Master Servicer's performance under the
Agreement and to the best of my knowledge, based on such review, the Master
Servicer has fulfilled all of its obligations under the Agreement throughout the
year.

                  Capitalized terms not otherwise defined herein have the
meanings set forth in the Agreements.

Dated: _________________

                                       M-1

<PAGE>

                  IN WITNESS WHEREOF, the undersigned has executed this
Certificate as of _____________.

                                      By:  _____________________________
                                      Name:
                                      Title:

                  I, _________________________, a (an) __________________ of the
Master Servicer, hereby certify that _________________ is a duly elected,
qualified, and acting _______________________ of the Master Servicer and that
the signature appearing above is his/her genuine signature.

                  IN WITNESS WHEREOF, the undersigned has executed this
Certificate as of ______________.

                                      By:  ______________________________
                                      Name:
                                      Title:

                                       M-2

<PAGE>

                                   SCHEDULE 1

                             MORTGAGE LOAN SCHEDULE

                                 Filed By Paper

                                  Schedule 1-1

<PAGE>

                                   SCHEDULE 2

                           PREPAYMENT CHARGE SCHEDULE

                             Available Upon Request

                                  Schedule 2-1

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