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EXHIBIT 4.1

EXECUTION
VERSION

 

 

WASHINGTON
MUTUAL MORTGAGE SECURITIES CORP.,

as
Depositor

and

WASHINGTON
MUTUAL BANK,

as
Servicer

and

LASALLE BANK
NATIONAL ASSOCIATION,

as
Trustee

and

CHRISTIANA
BANK & TRUST COMPANY,

as Delaware Trustee

POOLING AND
SERVICING AGREEMENT

$1,077,859,139.11

Washington
Mutual Mortgage Securities Corp.

Washington
Mutual Mortgage Pass-Through Certificates

WMALT Series
2005-4

Cut-Off
Date: May 1, 2005

TABLE OF CONTENTS

 

	
 	
Page
	
ARTICLE I

	
8
	
Section 1.01. 
Definitions

	
8

	
Aggregate Certificate Principal
Balance

	
8

	
Appraised Value

	
8

	
Assignment of Proprietary
Lease

	
8

	
Authenticating Agent

	
8

	
Authorized Denomination

	
8

	
Bankruptcy Loss

	
8

	
Beneficial Holder

	
9

	
Benefit Plan Opinion

	
9

	
Book-Entry Certificates

	
9

	
Business Day

	
9

	
Buydown Agreement

	
9

	
Buydown Fund

	
9

	
Buydown Fund Account

	
9

	
Buydown Loan

	
10

	
Cap Counterparty

	
10

	
Carry-Forward Subsequent Recoveries
Amount

	
10

	
Certificate

	
10

	
Certificate Account

	
10

	
Certificate Group

	
10

	
Certificateholder or Holder

	
11

	
Certificate Insurance
Policy

	
11

	
Certificate Insurer

	
11

	
Certificate Insurer Default

	
11

	
Certificate Insurer Premium

	
12

	
Certificate Interest Rate

	
12

	
Certificate of Trust

	
12

	
Certificate Principal
Balance

	
12

	
Certificate Register and Certificate
Registrar

	
12

	
Class

	
12

	
Class 1-P Fraction

	
13

	
Class 1-P Mortgage Loan

	
13

	
Class 2-CB Certificates

	
13

	
Class 2-CB-L Regular
Interest

	
13

	
Class 2-P Fraction

	
13

	
Class 2-P Mortgage Loan

	
13

	
Class 3-CB Certificates

	
13

	
Class 3-CB-L Regular
Interest

	
13

	
Class 4-A-1 Certificates

	
13

	
Class 4-A-1-L Regular
Interest

	
13

	
Class 4-A-2 Certificates

	
13

	
Class 4-A-2-L Regular
Interest

	
13

	
Class 4-P Fraction

	
14

	
Class 4-P Mortgage Loan

	
14

	
Class 5-A-1 Certificates

	
14

	
Class 5-A-1-L Regular
Interest

	
14

	
Class 5-A-2 Certificates

	
14

	
Class 5-A-2-L Regular
Interest

	
14

	
Class 5-A-2-M Regular
Interest

	
14

	
Class 5-A-3 Certificates

	
14

	
Class 5-A-3 Notional Amount

	
14

	
Class 5-A-4 Certificates

	
14

	
Class 5-A-4-L Regular
Interest

	
14

	
Class 5-A-5 Certificates

	
14

	
Class 5-A-5-L Regular
Interest

	
14

	
Class 5-A-5-M Regular
Interest

	
14

	
Class 5-A-6 Certificates

	
15

	
Class 5-A-6 Notional Amount

	
15

	
Class 5-A-7 Certificates

	
15

	
Class 5-A-7-L Regular
Interest

	
15

	
Class 5-A-8 Certificates

	
15

	
Class 5-A-8-L Regular
Interest

	
15

	
Class 5-A-9 Certificates

	
15

	
Class 5-A-9-L Regular
Interest

	
15

	
Class 5-A-10 Certificates

	
15

	
Class 5-A-10-L Regular
Interest

	
15

	
Class 5-P Fraction

	
15

	
Class 5-P Mortgage Loan

	
15

	
Class A Certificates

	
15

	
Class A-L Regular Interests

	
15

	
Class B Certificates

	
16

	
Class B Percentage

	
16

	
Class B-L Regular Interests

	
16

	
Class B-1 Certificates

	
16

	
Class B-1-L Regular
Interest

	
16

	
Class B-2 Certificates

	
16

	
Class B-2-L Regular
Interest

	
16

	
Class B-3 Certificates

	
16

	
Class B-3-L Regular
Interest

	
16

	
Class B-4 Certificates

	
16

	
Class B-4-L Regular
Interest

	
16

	
Class B-5 Certificates

	
16

	
Class B-5-L Regular
Interest

	
16

	
Class B-6 Certificates

	
16

	
Class B-6-L Regular
Interest

	
17

	
Class CB-1 Certificates

	
17

	
Class CB-1-L Regular
Interest

	
17

	
Class CB-1-M Regular
Interest

	
17

	
Class CB-2 Certificates

	
17

	
Class CB-2 Notional Amount

	
17

	
Class CB-3 Certificates

	
17

	
Class CB-3 Fraction

	
17

	
Class CB-3-L Regular
Interest

	
17

	
Class CB-3-M Regular
Interest

	
17

	
Class CB-4 Certificates

	
17

	
Class CB-4 Notional Amount

	
17

	
Class CB-5 Certificates

	
17

	
Class CB-5-L Regular
Interest

	
17

	
Class CB-6 and Class CB-15 Priority
Amount

	
18

	
Class CB-6 Certificates

	
18

	
Class CB-6-L Regular
Interest

	
18

	
Class CB-6 Rounding Account

	
18

	
Class CB-7 Certificates

	
18

	
Class CB-7-L Regular
Interest

	
18

	
Class CB-8 Certificates

	
18

	
Class CB-8-L Regular
Interest

	
18

	
Class CB-9 Certificates

	
18

	
Class CB-9-L Regular
Interest

	
18

	
Class CB-9-M Regular
Interest

	
18

	
Class CB-10 Certificates

	
18

	
Class CB-10 Notional Amount

	
18

	
Class CB-11 Certificates

	
19

	
Class CB-11-L Regular
Interest

	
19

	
Class CB-12 Certificates

	
19

	
Class CB-12-L Regular
Interest

	
19

	
Class CB-13 Certificates

	
19

	
Class CB-13-L Regular
Interest

	
19

	
Class CB-13-M Regular
Interest

	
19

	
Class CB-14 Certificates

	
19

	
Class CB-14 Notional Amount

	
19

	
Class CB-15 Additional Reimbursement
Amount

	
19

	
Class CB-15 Available Funds

	
19

	
Class CB-15 Certificates

	
19

	
Class CB-15 Covered Payoff Shortfall
Amount

	
19

	
Class CB-15 Reimbursement
Amount

	
20

	
Class CB-15 Required
Distributions

	
20

	
Class CB-15 Reserve Fund

	
20

	
Class CB-15-L Regular
Interest

	
20

	
Class CB-15 Rounding
Account

	
20

	
Class CB-16 Certificates

	
20

	
Class CB-16 Notional Amount

	
20

	
Class C-P Certificates

	
20

	
Class C-P-L Regular
Interest

	
20

	
Class C-P-M Regular
Interest

	
21

	
Class C-X Certificates

	
21

	
Class C-X Notional Amount

	
21

	
Class C-X-L Regular
Interest

	
21

	
Class C-X-M Regular
Interest

	
21

	
Class C-Y Principal Reduction
Amounts

	
21

	
Class C-Y Regular Interests

	
21

	
Class C-Y-1 Principal Distribution
Amount

	
21

	
Class C-Y-1 Regular
Interest

	
21

	
Class C-Y-2 Principal Distribution
Amount

	
21

	
Class C-Y-2 Regular
Interest

	
21

	
Class C-Z Principal Reduction
Amounts

	
21

	
Class C-Z Regular Interests

	
22

	
Class C-Z-1 Principal Distribution
Amount

	
22

	
Class C-Z-1 Regular
Interest

	
22

	
Class C-Z-2 Principal Distribution
Amount

	
22

	
Class C-Z-2 Regular
Interest

	
22

	
Class D-P Certificates

	
22

	
Class D-P-L Regular
Interest

	
22

	
Class D-P-M Regular
Interest

	
22

	
Class D-X Certificates

	
22

	
Class D-X Notional Amount

	
22

	
Class D-X-L Regular
Interest

	
23

	
Class D-X-M Regular
Interest

	
23

	
Class Notional Amount

	
23

	
Class P Certificates

	
23

	
Class P Fraction

	
23

	
Class P Mortgage Loan

	
23

	
Class P-L Regular Interests

	
23

	
Class P-M Regular Interests

	
23

	
Class Principal Balance

	
23

	
Class R Certificates

	
24

	
Class R Residual Interests

	
24

	
Class R-1 Residual Interest

	
25

	
Class R-2 Residual Interest

	
25

	
Class R-3 Residual Interest

	
25

	
Class X Certificates

	
25

	
Class X-L Regular Interests

	
25

	
Class X-M Regular Interests

	
25

	
Clean-Up Call Percentage

	
25

	
Clearing Agency

	
25

	
Closing Date

	
25

	
Closing Date Loan-to-Value
Ratio

	
25

	
Code

	
25

	
Company

	
25

	
Compensating Interest

	
25

	
Cooperative

	
26

	
Cooperative Apartment

	
26

	
Cooperative Lease

	
26

	
Cooperative Loans

	
26

	
Cooperative Stock

	
26

	
Cooperative Stock
Certificate

	
26

	
Corporate Trust Office

	
26

	
Corporation

	
26

	
Corresponding Class

	
26

	
Credit Support Depletion
Date

	
27

	
Cumulative Carry-Forward Subsequent
Recoveries Amount

	
27

	
Curtailment

	
27

	
Curtailment Shortfall

	
27

	
Custodial Account for
P&I

	
28

	
Custodial Account for
Reserves

	
28

	
Custodial Agreement

	
28

	
Custodian

	
28

	
Cut-Off Date

	
29

	
Deceased Holder

	
29

	
Deficiency Amount

	
29

	
Definitive Certificates

	
29

	
Delaware Trustee

	
29

	
Depositary Agreement

	
29

	
Destroyed Mortgage Note

	
29

	
Determination Date

	
29

	
Disqualified Organization

	
29

	
Distribution Date

	
29

	
DTC

	
29

	
DTC Participant

	
30

	
Due Date

	
30

	
Eligible Institution

	
30

	
Eligible Investments

	
30

	
ERISA

	
31

	
ERISA Restricted
Certificate

	
31

	
Event of Default

	
31

	
Excess Liquidation Proceeds

	
31

	
Excess Subsequent
Recoveries

	
32

	
Fannie Mae

	
32

	
FDIC

	
32

	
FHA

	
32

	
Final Maturity Date

	
32

	
Final Yield Maintenance Payment
Date

	
32

	
Fitch

	
32

	
Freddie Mac

	
32

	
Group 1 Certificates

	
32

	
Group 1 Loans

	
32

	
Group 1 Lockout Adjusted
Percentage

	
32

	
Group 1 Lockout Liquidation
Amount

	
32

	
Group 1 Lockout Percentage

	
33

	
Group 1 Lockout Prepayment
Percentage

	
33

	
Group 1 Lockout Priority
Amount

	
33

	
Group 1 Premium Rate Mortgage
Loans

	
33

	
Group 1 Senior Liquidation
Amount

	
33

	
Group 1 Senior Percentage

	
33

	
Group 1 Senior Prepayment Percentage,
Group 2 Senior Prepayment Percentage, Group 3 Senior Prepayment Percentage, Group 4 Senior Prepayment Percentage or Group 5 Senior
Prepayment Percentage

	
33

	
Group 1 Senior Principal Distribution
Amount

	
36

	
Group 1 Subordinate
Percentage

	
37

	
Group 1 Subordinate Prepayment
Percentage

	
37

	
Group 1 Super Lockout Priority
Amount

	
37

	
Group 1-A Certificates

	
37

	
Group 1-A-L Regular
Interests

	
37

	
Group 1-L Regular Interests

	
37

	
Group 2 Certificates

	
37

	
Group 2 Loans

	
37

	
Group 2 Premium Rate Mortgage
Loans

	
37

	
Group 2 Senior Liquidation
Amount

	
37

	
Group 2 Senior Percentage

	
37

	
Group 2 Senior Prepayment
Percentage

	
38

	
Group 2 Senior Principal Distribution
Amount

	
38

	
Group 2 Subordinate
Percentage

	
38

	
Group 2 Subordinate Prepayment
Percentage

	
38

	
Group 2-A Certificates

	
38

	
Group 2-A-L Regular
Interest

	
38

	
Group 2-L Regular Interest

	
38

	
Group 3 Certificates

	
38

	
Group 3 Loans

	
38

	
Group 3 Premium Rate Mortgage
Loans

	
38

	
Group 3 Senior Liquidation
Amount

	
38

	
Group 3 Senior Percentage

	
38

	
Group 3 Senior Prepayment
Percentage

	
39

	
Group 3 Senior Principal Distribution
Amount

	
39

	
Group 3 Subordinate
Percentage

	
39

	
Group 3 Subordinate Prepayment
Percentage

	
39

	
Group 3-A Certificates

	
39

	
Group 3-A-L Regular
Interest

	
39

	
Group 3-L Regular Interest

	
39

	
Group 4 Certificates

	
39

	
Group 4 Loans

	
39

	
Group 4 Premium Rate Mortgage
Loans

	
39

	
Group 4 Senior Liquidation
Amount

	
39

	
Group 4 Senior Percentage

	
39

	
Group 4 Senior Prepayment
Percentage

	
39

	
Group 4 Senior Principal Distribution
Amount

	
40

	
Group 4 Subordinate
Percentage

	
40

	
Group 4 Subordinate Prepayment
Percentage

	
40

	
Group 4-A Certificates

	
40

	
Group 4-A-L Regular
Interests

	
40

	
Group 4-L Regular Interests

	
40

	
Group 5 Certificates

	
40

	
Group 5 Loans

	
40

	
Group 5 Lockout Adjusted
Percentage

	
40

	
Group 5 Lockout Liquidation
Amount

	
40

	
Group 5 Lockout Percentage

	
40

	
Group 5 Lockout Prepayment
Percentage

	
40

	
Group 5 Lockout Priority
Amount

	
41

	
Group 5 Premium Rate Mortgage
Loans

	
41

	
Group 5 Senior Liquidation
Amount

	
41

	
Group 5 Senior Percentage

	
41

	
Group 5 Senior Prepayment
Percentage

	
41

	
Group 5 Senior Principal Distribution
Amount

	
41

	
Group 5 Subordinate
Percentage

	
41

	
Group 5 Subordinate Prepayment
Percentage

	
41

	
Group 5 Super Lockout Priority
Amount

	
41

	
Group 5-A Certificates

	
42

	
Group 5-A-L Regular
Interests

	
42

	
Group 5-L Regular Interests

	
42

	
Group I Subordinate Balance

	
42

	
Group II Subordinate
Balance

	
42

	
Indirect DTC Participants

	
42

	
Initial Custodial Agreement

	
42

	
Initial Custodian

	
42

	
Insurance Proceeds

	
42

	
Insured Amount

	
42

	
Insured Certificates

	
43

	
Interest Distribution
Amount

	
43

	
Interest Transfer Amount

	
43

	
Investment Account

	
43

	
Investment Depository

	
43

	
Junior Subordinate
Certificates

	
43

	
Last Scheduled Distribution
Date

	
43

	
Lender

	
43

	
LIBOR

	
43

	
LIBOR Determination Date

	
43

	
Living Holder

	
44

	
Liquidated Mortgage Loan

	
44

	
Liquidation Principal

	
44

	
Liquidation Proceeds

	
44

	
Loan Group

	
44

	
Loan Group 1

	
44

	
Loan Group 2

	
44

	
Loan Group 3

	
44

	
Loan Group 4

	
44

	
Loan Group 5

	
44

	
Loan-to-Value Ratio

	
44

	
Lowest Class B Owner

	
44

	
MERS

	
44

	
MERS Loan

	
45

	
MERS® System

	
45

	
MIN

	
45

	
MOM Loan

	
45

	
Monthly P&I Advance

	
45

	
Monthly Payment

	
45

	
Moody’s

	
45

	
Mortgage

	
45

	
Mortgage File

	
45

	
Mortgage Interest Rate

	
48

	
Mortgage Loan Schedule

	
48

	
Mortgage Loans

	
48

	
Mortgage Note

	
48

	
Mortgage Pool

	
48

	
Mortgage Pool Assets

	
49

	
Mortgaged Property

	
49

	
Mortgagor

	
49

	
Nonrecoverable Advance

	
49

	
Non-U.S. Person

	
49

	
Notice Addresses

	
49

	
Notice of Claim

	
50

	
OTS

	
50

	
Officer’s Certificate

	
50

	
Opinion of Counsel

	
50

	
Order

	
50

	
Original Trust Agreement

	
50

	
Original Value

	
50

	
Overcollateralized Group

	
50

	
Ownership Interest

	
50

	
Pass-Through Entity

	
51

	
Pass-Through Rate

	
51

	
Paying Agent

	
51

	
Payoff

	
51

	
Payoff Earnings

	
51

	
Payoff Interest

	
51

	
Payoff Period

	
51

	
Percentage Interest

	
52

	
Permitted Transferee

	
52

	
Person

	
53

	
Preference Amount

	
53

	
Premium Letter

	
53

	
Prepaid Monthly Payment

	
53

	
Primary Insurance Policy

	
53

	
Principal Balance

	
53

	
Principal Payment

	
54

	
Principal Payment Amount

	
54

	
Principal Prepayment

	
54

	
Principal Prepayment Amount

	
54

	
Principal Transfer Amount

	
54

	
Prior Period

	
54

	
Prospectus

	
54

	
Purchase Obligation

	
54

	
Purchase Price

	
55

	
Random Lot

	
55

	
Rating Agency

	
55

	
Ratings

	
55

	
Realized Loss

	
55

	
Recognition Agreement

	
58

	
Record Date

	
58

	
Reference Banks

	
58

	
Regular Interest Group

	
58

	
Regular Interests

	
59

	
Relief Act Shortfall

	
59

	
REMIC

	
59

	
REMIC Provisions

	
59

	
REMIC I

	
59

	
REMIC I Assets

	
59

	
REMIC I Available Distribution
Amount

	
59

	
REMIC I Distribution Amount

	
60

	
REMIC I Regular Interests

	
63

	
REMIC II

	
63

	
REMIC II Assets

	
63

	
REMIC II Available Distribution
Amount

	
63

	
REMIC II Distribution
Amount

	
63

	
REMIC II Regular Interests

	
77

	
REMIC III

	
77

	
REMIC III Assets

	
77

	
REMIC III Available Distribution
Amount

	
77

	
REMIC III Distribution
Amount

	
78

	
REMIC III Regular Interests

	
80

	
Residual Certificates

	
81

	
Residual Distribution
Amount

	
81

	
Responsible Officer

	
81

	
Rounding Accounts

	
81

	
Rounding Amount

	
81

	
ROV Mortgage Loan

	
82

	
S&P

	
82

	
Secretary of State

	
82

	
Securities Act

	
82

	
Security Agreement

	
82

	
Selling and Servicing
Contract

	
82

	
Senior Regular Interests

	
82

	
Senior Subordinate
Certificates

	
82

	
Servicer

	
82

	
Servicer Business Day

	
82

	
Servicing Fee

	
82

	
Servicing Fee Rate

	
82

	
Servicing Officer

	
83

	
Special Primary Insurance
Policy

	
83

	
Special Primary Insurance
Premium

	
83

	
Special Retail Certificates

	
83

	
Statutory Trust Statute

	
83

	
Step Down Percentage

	
83

	
Streamlined Mortgage Loan

	
83

	
Stripped Interest Rate

	
83

	
Subordinate Certificates

	
83

	
Subordinate Component
Balance

	
83

	
Subordinate Liquidation
Amount

	
84

	
Subordinate Percentage

	
84

	
Subordinate Principal Distribution
Amount

	
84

	
Subordinate Principal Prepayments
Distribution Amount

	
85

	
Subordination Level

	
85

	
Subsequent Recoveries

	
86

	
Substitute Mortgage Loan

	
86

	
Tax Matters Person

	
86

	
Termination Date

	
86

	
Termination Payment

	
86

	
Total Transfer Amount

	
86

	
Transfer

	
86

	
Transferee

	
86

	
Transferee Affidavit and
Agreement

	
86

	
Trust

	
86

	
Trustee

	
87

	
Uncollected Interest

	
87

	
Uncompensated Interest
Shortfall

	
87

	
Undercollateralized Group

	
88

	
Underwriter

	
88

	
Underwriting Standards

	
88

	
Uninsured Cause

	
88

	
U.S. Person

	
88

	
VA

	
89

	
Withdrawal Date

	
89

	
Yield Maintenance Account

	
89

	
Yield Maintenance
Agreements

	
89

	
Yield Maintenance Notional
Balance

	
89

	
Yield Maintenance Payment
Amount

	
89

	
ARTICLE II  Creation of the
Trust; Conveyance of the Mortgage Pool Assets, REMIC I Regular Interests, REMIC II Regular Interests and REMIC III Regular
Interests; REMIC Election and Designations; Original Issuance of Certificates

	
91

	
Section 2.01.  Creation of
the Trust

	
91

	
Section 2.02.  Restrictions
on Activities of the Trust

	
92

	
Section 2.03.  Separateness
Requirements

	
92

	
Section 2.04.  Conveyance of
Mortgage Pool Assets; Security Interest

	
94

	
Section 2.05.  Delivery of
Mortgage Files

	
95

	
Section 2.06.  REMIC Election
for REMIC I

	
97

	
Section 2.07.  Acceptance by
Trustee

	
98

	
Section 2.08. 
Representations and Warranties of the Company Concerning the Mortgage Loans

	
100

	
Section 2.09.  Acknowledgment
of Transfer of Mortgage Pool Assets

	
106

	
Section 2.10.  Conveyance of
REMIC II Assets; Security Interest

	
106

	
Section 2.11.  REMIC Election
for REMIC II

	
107

	
Section 2.12. 
Acknowledgement of Transfer of REMIC II Assets

	
108

	
Section 2.13.  Conveyance of
REMIC III Assets; Security Interest

	
108

	
Section 2.14.  REMIC Election
for REMIC III

	
109

	
Section 2.15. 
Acknowledgement of Transfer of REMIC III Assets; Authentication of Certificates

	
110

	
Section 2.16.  Legal
Title

	
110

	
Section 2.17.  Compliance
with ERISA Requirements

	
110

	
Section 2.18.  Additional
Representation of the Company Concerning the Mortgage Loans

	
111

	
ARTICLE III  Administration
and Servicing of Mortgage Loans

	
111

	
Section 3.01.  The
Servicer

	
111

	
Section 3.02.  Custodial
Accounts and Buydown Fund Accounts

	
113

	
Section 3.03.  The Investment
Account; Eligible Investments

	
114

	
Section 3.04.  The
Certificate Account

	
115

	
Section 3.05.  Permitted
Withdrawals from the Certificate Account, the Investment Account, Custodial Accounts for P&I and Custodial Accounts
for Reserves and of Buydown Funds from the Buydown Fund Accounts

	
116

	
Section 3.06.  Maintenance of
Primary Insurance Policies; Collections Thereunder

	
117

	
Section 3.07.  Maintenance of
Hazard Insurance

	
118

	
Section 3.08.  Enforcement of
Due-on-Sale Clauses; Assumption Agreements

	
118

	
Section 3.09.  Realization
Upon Defaulted Mortgage Loans

	
119

	
Section 3.10.  Trustee to
Cooperate; Release of Mortgage Files

	
121

	
Section 3.11.  Compensation
to the Servicer

	
122

	
Section 3.12.  Reports to the
Trustee; Certificate Account Statement

	
122

	
Section 3.13.  Annual
Statement as to Compliance

	
122

	
Section 3.14.  Access to
Certain Documentation and Information Regarding the Mortgage Loans

	
123

	
Section 3.15.  Annual
Independent Public Accountants’ Servicing Report

	
123

	
Section 3.16.  Yield
Maintenance Account.

	
123

	
Section 3.17.  Maintenance of
the Class CB-15 Reserve Fund.  124

	
 

	
Section 3.18. 
[Reserved.]

	
125

	
Section 3.19.  Determination
of LIBOR by Servicer  125

	
 

	
Section 3.20. 
[Reserved.]

	
126

	
Section 3.21.  Maintenance of
the Certificate Insurance Policy; Collections Thereunder  126

	
 

	
Section 3.22.  Maintenance of
the Rounding Accounts; Collections Thereunder.

	
128

	
ARTICLE IV  Payments to
Certificateholders; Payment of Expenses

	
129

	
Section 4.01.  Distributions
to Holders of REMIC I Regular Interests and Class R-1 Residual Interest

	
129

	
Section 4.02.  Advances by
the Servicer; Distribution Reports to the Trustee

	
129

	
Section 4.03.  Nonrecoverable
Advances

	
130

	
Section 4.04.  Distributions
to Holders of REMIC II Regular Interests and Class R-2 Residual Interest; Payments to Certificate Insurer

	
131

	
Section 4.05.  Distributions
to Certificateholders; Payment of Special Primary Insurance Premiums

	
132

	
Section 4.06.  Statements to
Certificateholders

	
133

	
Section 4.07.  Principal
Distributions on the Special Retail Certificates

	
134

	
ARTICLE V  The
Certificates

	
138

	
Section 5.01.  The
Certificates

	
138

	
Section 5.02.  Certificates
Issuable in Classes; Distributions of Principal and Interest; Authorized Denominations

	
144

	
Section 5.03.  Registration
of Transfer and Exchange of Certificates

	
145

	
Section 5.04.  Mutilated,
Destroyed, Lost or Stolen Certificates

	
145

	
Section 5.05.  Persons Deemed
Owners

	
146

	
Section 5.06.  Temporary
Certificates

	
146

	
Section 5.07.  Book-Entry for
Book-Entry Certificates

	
147

	
Section 5.08.  Notices to
Clearing Agency

	
148

	
Section 5.09.  Definitive
Certificates

	
148

	
Section 5.10.  Office for
Transfer of Certificates

	
148

	
Section 5.11.  Nature of
Certificates

	
148

	
ARTICLE VI  The Company and
the Servicer

	
149

	
Section 6.01.  Liability of
the Company and the Servicer

	
149

	
Section 6.02.  Merger or
Consolidation of the Company or the Servicer

	
149

	
Section 6.03.  Limitation on
Liability of the Company, the Servicer and Others

	
149

	
Section 6.04.  Neither the
Company nor the Servicer may Resign

	
150

	
Section 6.05.  Trustee and
Certificate Insurer Access  150

	
 

	
ARTICLE VII 
Default

	
151

	
Section 7.01.  Events of
Default

	
151

	
Section 7.02.  Trustee to
Act; Appointment of Successor

	
153

	
Section 7.03.  Notification
to Certificateholders and the Certificate Insurer

	
154

	
ARTICLE VIII  Concerning the
Trustees

	
154

	
Section 8.01.  Duties of
Trustees

	
154

	
Section 8.02.  Certain
Matters Affecting the Trustees

	
156

	
Section 8.03.  Trustees Not
Liable for Certificates or Mortgage Loans

	
157

	
Section 8.04.  Trustees May
Own Certificates

	
157

	
Section 8.05.  The Servicer
to Pay Trustees’ Fees and Expenses

	
157

	
Section 8.06.  Eligibility
Requirements for Trustees

	
158

	
Section 8.07.  Resignation
and Removal of Trustees

	
158

	
Section 8.08.  Successor
Trustee

	
159

	
Section 8.09.  Merger or
Consolidation of Trustee

	
159

	
Section 8.10.  Appointment of
Co-Trustee or Separate Trustee

	
160

	
Section 8.11.  Authenticating
Agents

	
161

	
Section 8.12.  Paying
Agents

	
161

	
Section 8.13.  Duties of
Delaware Trustee

	
162

	
Section 8.14.  Amendment to
Certificate of Trust

	
163

	
Section 8.15.  Limitation of
Liability

	
163

	
Section 8.16.  Yield
Maintenance Agreements; the Premium Letter

	
163

	
ARTICLE IX 
Termination

	
163

	
Section 9.01.  Termination
Upon Purchase by the Servicer or Liquidation of All Mortgage Loans

	
163

	
Section 9.02.  Additional
Termination Requirements

	
165

	
Section 9.03.  Trust
Irrevocable

	
166

	
ARTICLE X  Miscellaneous
Provisions

	
166

	
Section 10.01. 
Amendment

	
166

	
Section 10.02.  Recordation
of Agreement

	
168

	
Section 10.03.  Limitation on
Rights of Certificateholders

	
168

	
Section 10.04.  Access to
List of Certificateholders

	
169

	
Section 10.05.  Governing
Law

	
169

	
Section 10.06. 
Notices

	
169

	
Section 10.07.  Severability
of Provisions

	
170

	
Section 10.08  Counterpart
Signatures

	
170

	
Section 10.09  Benefits of
Agreement

	
170

	
Section 10.10  Notices and
Copies to Rating Agencies and the Certificate Insurer

	
170

	
Section 10.11  Certificate
Insurer Rights

	
171

 

Schedule
1             Exceptions to Section 2.08(iv) Representations

Exhibit
A                Form of Certificates (other than Class
R Certificates)

Exhibit B                Form of Class R
Certificates

Exhibit C                Anti-Predatory Lending
Categorization

Exhibit D                Mortgage Loan Schedule

Exhibit E                 [Reserved]

Exhibit F                 Form of Transferor Certificate For Junior Subordinate Certificates

Exhibit G                Form of Transferee’s
Agreement For Junior Subordinate Certificates

Exhibit H                Form of Additional Matter
Incorporated Into the Certificates

Exhibit I                  Transferor
Certificate

Exhibit J                 Transferee Affidavit And
Agreement

Exhibit K                Form of Certificate Insurance
Policy

Exhibit L                 Form of Investment Letter

Exhibit M               Form of Trustee’s Certification
Pursuant to Section 2.07

Exhibit N                Officer’s Certificate
With Respect to ERISA Matters Pursuant to Section 5.01(d)

Exhibit O                Officer’s Certificate
With Respect to ERISA Matters Pursuant to Section 5.01(g)

 

This
Pooling and Servicing Agreement, dated and effective as of May 1,
2005 (this “Agreement”), is executed by and
among Washington Mutual Mortgage Securities Corp., as depositor
(the “Company”), Washington Mutual Bank, as
Servicer (the “Servicer”), LaSalle Bank National
Association, a national banking association with a corporate trust
office at 135 South LaSalle Street, Suite 1625, Chicago, Illinois
60603, as Trustee (the “Trustee”), and
Christiana Bank & Trust Company, as Delaware Trustee (the
“Delaware Trustee”).  Capitalized terms
used in this Agreement and not otherwise defined have the meanings
ascribed to such terms in Article I hereof.

PRELIMINARY STATEMENT

The
Company at the Closing Date is the owner of the Mortgage Loans and
the other property being conveyed by it to the Trust. On the
Closing Date, the Company will acquire the REMIC I Regular
Interests and the Class R-1 Residual Interest from the Trust as
consideration for its transfer to the Trust of the Mortgage Loans
and certain other assets and will be the owner of the REMIC I
Regular Interests and the Class R-1 Residual Interest. 
Thereafter on the Closing Date, the Company will acquire the REMIC
II Regular Interests and the Class R-2 Residual Interest from the
Trust as consideration for its transfer to the Trust of the REMIC I
Regular Interests and will be the owner of the REMIC II Regular
Interests.  Thereafter on the Closing Date, the Company will
acquire the Certificates (other than the Class R-1 and Class R-2
Residual Interests) and the Class R-3 Residual Interest from the
Trust as consideration for its transfer to the Trust of the REMIC
II Regular Interests and will be the owner of the
Certificates.  The Company has duly authorized the execution
and delivery of this Agreement to provide for (i) the conveyance to
the Trust of the Mortgage Loans and certain other assets, (ii) the
issuance to the Company of the REMIC I Regular Interests and the
Class R-1 Residual Interest representing in the aggregate the
entire beneficial interest in REMIC I, (iii) the conveyance to the
Trust of the REMIC I Regular Interests, (iv) the issuance to the
Company of the REMIC II Regular Interests and the Class R-2
Residual Interest representing in the aggregate the entire
beneficial interest in  REMIC II, (v) the conveyance to the
Trust of the REMIC II Regular Interests and (vi) the issuance to
the Company of the Certificates, such Certificates (other than the
portion of the Class R Certificates representing ownership of the
Class R-1 and Class R-2 Residual Interests) representing in the
aggregate the entire beneficial interest in REMIC III. The Company
and the Servicer are entering into this Agreement, and the Trustee
and the Delaware Trustee are each accepting the trust created
hereby, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged.

The Certificates issued hereunder, other
than the Junior Subordinate Certificates, have been offered for
sale pursuant to a Prospectus, dated April 20, 2005, and a
Prospectus Supplement, dated May 23, 2005, of the Company
(together, the “Prospectus”). The Junior
Subordinate Certificates have been offered for sale pursuant to a
Private Placement Memorandum, dated May 25, 2005.  The Trust
created hereunder is intended to be the “Trust”
described in the Prospectus and the Private Placement Memorandum
and the Certificates are intended to be the
“Certificates” described therein. The following tables
set forth the designation, type of interest, Certificate Interest
Rate, initial Class Principal Balance and Final Maturity Date for
the REMIC I Regular Interests, the REMIC II Regular Interests, the
Class R Residual Interests and the Certificates:

REMIC I Interests

	
Class Designation for each REMIC I Regular
Interest and the Class R-1 Residual Interest

	
 

	
Type of Interest

	
 

	
Certificate Interest Rate (1)

	
 

	
 Initial Class Principal Balance

	
 

	
Final Maturity Date*

	
Class C-Y-1

	
 

	
Regular

	
 

	
5.500%

	
 

	
$  519,238.48

	
 

	
June 2035

	
Class C-Y-2

	
 

	
Regular

	
 

	
5.000%

	
 

	
15,051.76

	
 

	
June 2020

	
Class C-Z-1

	
 

	
Regular

	
 

	
5.500%

	
 

	
1,042,473,982.96

	
 

	
June 2035

	
Class C-Z-2

	
 

	
Regular

	
 

	
5.000%

	
 

	
30,088,458.91

	
 

	
June 2020

	
Class C-X-M

	
 

	
Regular

	
 

	
5.500%(2)

	
 

	
-----

	
 

	
June 2035

	
Class D-X-M

	
 

	
Regular

	
 

	
5.500%(2)

	
 

	
-----

	
 

	
June 2020

	
Class C-P-M

	
 

	
Regular

	
 

	
(3)

	
 

	
2,742,845.36

	
 

	
June 2035

	
Class D-P-M

	
 

	
Regular

	
 

	
(3)

	
 

	
2,019,462.42

	
 

	
June 2020

	
Class R-1†

	
 

	
Residual

	
 

	
5.500%

	
 

	
100.00

	
 

	
June 2035

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
*            
The Distribution Date in the specified month, which is the month
following the month the latest maturing Mortgage Loan in the
related Loan Group (or Loan Groups, as applicable) matures. For
federal income tax purposes, for each Class of REMIC I Regular and
Residual Interests, the “latest possible maturity date”
shall be the Final Maturity Date.

	
 

	
†             
The Class R-1 Residual Interest is entitled to receive the
applicable Residual Distribution Amount and any Excess Liquidation
Proceeds.

	
 

	
(1)          
Interest distributed to the REMIC I Regular Interests (other than
the Class P-M Regular Interests, which shall not be entitled to
receive any distributions of interest) and the Class R-1 Residual
Interest on each Distribution Date will have accrued at the
applicable per annum Certificate Interest Rate on the applicable
Class Principal Balance or Class Notional Amount outstanding
immediately before such Distribution Date.

	
 

	
(2)
          Each Class
of the Class X-M Regular Interests shall accrue interest on the
related Class Notional Amount.  The Class X-M Regular
Interests shall not be entitled to receive any distributions of
principal.

	
 

	
(3)
          The Class
P-M Regular Interests shall not be entitled to receive any
distributions of interest.

	
 

										

 

As
provided herein, with respect to REMIC I, the Servicer will cause
an election to be made on behalf of REMIC I to be treated for
federal income tax purposes as a REMIC. The REMIC I Regular
Interests will be designated regular interests in REMIC I and the
Class R-1 Residual Interest will be designated the sole class of
residual interest in REMIC I, for purposes of the REMIC
Provisions.

REMIC II Interests

	
 

	
 Class Designation for each Class of REMIC II
Regular Interests and the Class R-2 Residual Interest

	
 

	
Type of Interest

	
 

	
 Certificate Interest Rate (1)

	
 

	
 Initial Class Principal Balance

	
 

	
Final Maturity Date*

	
 

	
Class
CB-1-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
$  305,066,700.00

	
 

	
June 2035

	
 

	
Class
CB-3-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
154,500,000.00

	
 

	
June 2035

	
 

	
Class
CB-5-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
3,880,300.00

	
 

	
June 2035

	
 

	
Class
CB-6-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
500,000.00

	
 

	
June 2035

	
 

	
Class
CB-7-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
68,674,000.00

	
 

	
June 2035

	
 

	
Class
CB-8-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
3,576,900.00

	
 

	
June 2035

	
 

	
Class
CB-9-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
30,000,000.00

	
 

	
June 2035

	
 

	
Class
CB-11-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
32,615,000.00

	
 

	
June 2035

	
 

	
Class
CB-12-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
1,698,000.00

	
 

	
June 2035

	
 

	
Class
CB-13-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
107,250,000.00

	
 

	
June 2035

	
 

	
Class
CB-15-L

	
 

	
Regular

	
 

	
5.420%

	
 

	
14,725,000.00

	
 

	
June 2035

	
 

	
Class
2-CB-L

	
 

	
Regular

	
 

	
5.000%

	
 

	
28,570,000.00

	
 

	
June 2035

	
 

	
Class
3-CB-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
43,691,000.00

	
 

	
June 2035

	
 

	
Class 4-A-1-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
28,498,000.00

	
 

	
June 2035

	
 

	
Class 4-A-2-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
1,484,000.00

	
 

	
June 2035

	
 

	
Class 5-A-1-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
18,433,000.00

	
 

	
June 2035

	
 

	
Class 5-A-2-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
15,500,000.00

	
 

	
June 2035

	
 

	
Class 5-A-4-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
8,555,000.00

	
 

	
June 2035

	
 

	
Class 5-A-5-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
36,000,000.00

	
 

	
June 2035

	
 

	
Class 5-A-7-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
108,199,000.00

	
 

	
June 2035

	
 

	
Class 5-A-8-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
5,841,000.00

	
 

	
June 2035

	
 

	
Class 5-A-9-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
960,000.00

	
 

	
June 2035

	
 

	
Class 5-A-10-L

	
 

	
Regular

	
 

	
5.500%

	
 

	
445,000.00

	
 

	
June 2035

	
 

	
Class C-X-L

	
 

	
Regular

	
 

	
5.500%(2)

	
 

	
-----

	
 

	
June 2035

	
 

	
Class D-X-L

	
 

	
Regular

	
 

	
5.500%(2)

	
 

	
-----

	
 

	
June 2020

	

	
Class C-P-L

	
 

	
Regular

	
 

	
(3)

	
 

	
2,742,845.00

	
 

	
June 2035

	
 

	
Class D-P-L

	
 

	
Regular

	
 

	
(3)

	
 

	
2,019,462.00

	
 

	
June 2020

	
 

	
Class B-1-L

	
 

	
Regular

	
 

	
Variable(4)

	
 

	
24,254,000.00

	
 

	
June 2035

	
 

	
Class B-2-L

	
 

	
Regular

	
 

	
Variable(4)

	
 

	
10,778,000.00

	
 

	
June 2035

	
 

	
Class B-3-L

	
 

	
Regular

	
 

	
Variable(4)

	
 

	
5,928,000.00

	
 

	
June 2035

	
 

	
Class B-4-L

	
 

	
Regular

	
 

	
Variable(4)

	
 

	
5,928,000.00

	
 

	
June 2035

	
 

	
Class B-5-L

	
 

	
Regular

	
 

	
Variable(4)

	
 

	
4,311,000.00

	
 

	
June 2035

	
 

	
Class B-6-L

	
 

	
Regular

	
 

	
Variable(4)

	
 

	
3,235,832.11

	
 

	
June 2035

	
 

	
Class R-2†

	
 

	
Residual

	
 

	
-----

	
 

	
-----

	
 

	
June 2035

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
*            
The Distribution Date in the specified month, which is the month
following the month the latest maturing Mortgage Loan in the
related Loan Group (or Loan Groups, as applicable) matures. For
federal income tax purposes, for each Class of REMIC II Regular and
Residual Interests, the “latest possible maturity date”
shall be the Final Maturity Date.

	
 

	
†             
The Class R-2 Residual Interest is entitled to receive the
applicable Residual Distribution Amount and any Excess Liquidation
Proceeds.

	
 

	
(1)          
Interest distributed on each Distribution Date to the REMIC II
Regular Interests (other than the Class P-L Regular Interests,
which shall not be entitled to receive any distributions of
interest) will have accrued at the applicable per annum Certificate
Interest Rate on the applicable Class Principal Balance or Class
Notional Amount outstanding immediately before such Distribution
Date.

	
 

	
(2)          
Each Class of the Class X-L Regular Interests
shall accrue interest on the related Class Notional Amount. 
The Class X-L Regular Interests shall not be entitled to receive
any distributions of principal.

	
 

	
(3)           The Class P-L Regular Interests shall not be
entitled to receive any distributions of interest.

	
 

	
(4)           The Certificate Interest Rate for each Class of the
Class B-L Regular Interests shall equal, on any Distribution Date,
the weighted average of the Certificate Interest Rates for the
Class C-Y-1and Class C-Y-2 Regular Interests.

	
 

	
 

	
 

											

 

As
provided herein, with respect to REMIC II, the Servicer will cause
an election to be made on behalf of REMIC II to be treated for
federal income tax purposes as a REMIC. The REMIC II Regular
Interests will be designated regular interests in REMIC II and the
Class R-2 Residual Interest will be designated the sole class of
residual interest in REMIC II, for purposes of the REMIC
Provisions.

REMIC III
Interests

	
 

	
 Class Designation for each Class of REMIC III
Regular Interests and the Class R-3 Residual Interest

	
 

	
Type of Interest

	
 

	
Certificate Interest Rate (1)

	
 

	
Initial Class Principal Balance

	
 

	
Final Maturity Date*

	
 

	
Class
CB-1-M

	
 

	
Regular

	
 

	
(2)

	
 

	
$  305,066,700.00

	
 

	
June 2035

	
 

	
Class
CB-2

	
 

	
Regular

	
 

	
(3)

	
 

	
-----

	
 

	
June 2035

	
 

	
Class
CB-3-M

	
 

	
Regular

	
 

	
(4)

	
 

	
154,500,000.00

	
 

	
June 2035

	
 

	
Class
CB-4

	
 

	
Regular

	
 

	
(5)

	
 

	
-----

	
 

	
June 2035

	
 

	
Class
CB-5

	
 

	
Regular

	
 

	
5.500%

	
 

	
3,880,300.00

	
 

	
June 2035

	
 

	
Class
CB-6

	
 

	
Regular

	
 

	
5.500%

	
 

	
500,000.00

	
 

	
June 2035

	
 

	
Class
CB-7

	
 

	
Regular

	
 

	
5.500%

	
 

	
68,674,000.00

	
 

	
June 2035

	
 

	
Class
CB-8

	
 

	
Regular

	
 

	
5.500%

	
 

	
3,576,900.00

	
 

	
June 2035

	
 

	
Class
CB-9-M

	
 

	
Regular

	
 

	
(6)

	
 

	
30,000,000.00

	
 

	
June 2035

	
 

	
Class
CB-10

	
 

	
Regular

	
 

	
(7)

	
 

	
-----

	
 

	
June 2035

	
 

	
Class
CB-11

	
 

	
Regular

	
 

	
5.500%

	
 

	
32,615,000.00

	
 

	
June 2035

	
 

	
Class
CB-12

	
 

	
Regular

	
 

	
5.500%

	
 

	
1,698,000.00

	
 

	
June 2035

	
 

	
Class
CB-13-M

	
 

	
Regular

	
 

	
(8)

	
 

	
107,250,000.00

	
 

	
June 2035

	
 

	
Class
CB-14

	
 

	
Regular

	
 

	
(9)

	
 

	
-----

	
 

	
June 2035

	
 

	
Class
CB-15

	
 

	
Regular

	
 

	
5.400%

	
 

	
14,725,000.00

	
 

	
June 2035

	
 

	
Class
CB-16

	
 

	
Regular

	
 

	
5.500%(10)

	
 

	
-----

	
 

	
June 2035

	
 

	
Class
2-CB

	
 

	
Regular

	
 

	
5.000%

	
 

	
28,570,000.00

	
 

	
June 2035

	
 

	
Class
3-CB

	
 

	
Regular

	
 

	
5.500%

	
 

	
43,691,000.00

	
 

	
June 2035

	
 

	
Class
4-A-1

	
 

	
Regular

	
 

	
5.500%

	
 

	
28,498,000.00

	
 

	
June 2035

	
 

	
Class
4-A-2

	
 

	
Regular

	
 

	
5.500%

	
 

	
1,484,000.00

	
 

	
June 2035

	
 

	
Class
5-A-1

	
 

	
Regular

	
 

	
5.500%

	
 

	
18,433,000.00

	
 

	
June 2035

	
 

	
Class
5-A-2-M

	
 

	
Regular

	
 

	
(11)

	
 

	
15,500,000.00

	
 

	
June 2035

	
 

	
Class
5-A-3

	
 

	
Regular

	
 

	
(12)

	
 

	
-----

	
 

	
June 2035

	
 

	
Class
5-A-4

	
 

	
Regular

	
 

	
5.500%

	
 

	
8,555,000.00

	
 

	
June 2035

	
 

	
Class
5-A-5-M

	
 

	
Regular

	
 

	
(13)

	
 

	
36,000,000.00

	
 

	
June 2035

	
 

	
Class
5-A-6

	
 

	
Regular

	
 

	
(14)

	
 

	
-----

	
 

	
June 2035

	
 

	
Class
5-A-7

	
 

	
Regular

	
 

	
5.500%

	
 

	
108,199,000.00

	
 

	
June 2035

	
 

	
Class
5-A-8

	
 

	
Regular

	
 

	
5.500%

	
 

	
5,841,000.00

	
 

	
June 2035

	
 

	
Class
5-A-9

	
 

	
Regular

	
 

	
5.500%

	
 

	
960,000.00

	
 

	
June 2035

	
 

	
Class
5-A-10

	
 

	
Regular

	
 

	
5.500%

	
 

	
445,000.00

	
 

	
June 2035

	
 

	
Class C-X

	
 

	
Regular

	
 

	
5.500%(10)

	
 

	
-----

	
 

	
June 2035

	
 

	
Class D-X

	
 

	
Regular

	
 

	
5.500%(10)

	
 

	
-----

	
 

	
June 2020

	
 

	
Class C-P

	
 

	
Regular

	
 

	
(15)

	
 

	
2,742,845.00

	
 

	
June 2035

	
 

	
Class D-P

	
 

	
Regular

	
 

	
(15)

	
 

	
2,019,462.00

	
 

	
June 2020

	
 

	
Class B-1

	
 

	
Regular

	
 

	
Variable (16)

	
 

	
24,254,000.00

	
 

	
June 2035

	
 

	
Class B-2

	
 

	
Regular

	
 

	
Variable (16)

	
 

	
10,778,000.00

	
 

	
June 2035

	
 

	
Class B-3

	
 

	
Regular

	
 

	
Variable (16)

	
 

	
5,928,000.00

	
 

	
June 2035

	
 

	
Class B-4

	
 

	
Regular

	
 

	
Variable (16)

	
 

	
5,928,000.00

	
 

	
June 2035

	
 

	
Class B-5

	
 

	
Regular

	
 

	
Variable (16)

	
 

	
4,311,000.00

	
 

	
June 2035

	
 

	
Class B-6

	
 

	
Regular

	
 

	
Variable (16)

	
 

	
3,235,832.11

	
 

	
June 2035

	
 

	
Class R-3 (17)

	
 

	
Residual

	
 

	
-----

	
 

	
-----

	
 

	
June 2035

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
*            
The Distribution Date in the specified month, which is the month
following the month the latest maturing Mortgage Loan in the
related Loan Group (or Loan Groups, as applicable) matures. For
federal income tax purposes, for each Class of REMIC III Regular
and Residual Interests, the “latest possible maturity
date” shall be the Final Maturity Date.

	
 

	
(1)          
Interest distributed on each Distribution Date to the Certificates
(other than the Class P Certificates, which shall not be entitled
to receive any distributions of interest) will have accrued at the
applicable per annum Certificate Interest Rate on the applicable
Class Principal Balance or Class Notional Amount outstanding
immediately before such Distribution Date.

	
 

	
(2)          
The Certificate Interest Rate for the Class CB-1-M Regular Interest
shall equal LIBOR plus 0.450%, subject to a minimum and maximum
Certificate Interest Rate of 0.450% and 5.500% per annum,
respectively.

	
 

	
(3)          
The Certificate Interest Rate for the Class CB-2 Certificates shall
equal 5.050% minus LIBOR, subject to a minimum and maximum
Certificate Interest Rate of 0.000% and 5.050% per annum,
respectively.  The Class CB-2 Certificates shall accrue
interest on the Class CB-2 Notional Amount.  The Class CB-2
Certificates shall not be entitled to receive any distributions of
principal.

	
 

	
(4)          
The Certificate Interest Rate for the Class CB-3-M Regular Interest
shall equal LIBOR plus 0.450%, subject to a minimum and maximum
Certificate Interest Rate of 0.450% and 5.500% per annum,
respectively.

	
 

	
(5)          
The Certificate Interest Rate for the Class CB-4 Certificates shall
equal 5.050% minus LIBOR, subject to a minimum and maximum
Certificate Interest Rate of 0.000% and 5.050% per annum,
respectively.  The Class CB-4 Certificates shall accrue
interest on the Class CB-4 Notional Amount.  The Class CB-4
Certificates shall not be entitled to receive any distributions of
principal.

	
 

	
(6)          
The Certificate Interest Rate for the Class CB-9-M Regular Interest
shall equal LIBOR plus 0.400%, subject to a minimum and maximum
Certificate Interest Rate of 0.400% and 5.500% per annum,
respectively.

	
 

	
(7)          
The Certificate Interest Rate for the Class CB-10 Certificates
shall equal 5.100% minus LIBOR, subject to a minimum and maximum
Certificate Interest Rate of 0.000% and 5.100% per annum,
respectively.  The Class CB-10 Certificates shall accrue
interest on the Class CB-10 Notional Amount.  The Class CB-10
Certificates shall not be entitled to receive any distributions of
principal.

	
 

	
(8)          
The Certificate Interest Rate for the Class CB-13-M Regular
Interest shall equal LIBOR plus 0.500%, subject to a minimum and
maximum Certificate Interest Rate of 0.500% and 5.500% per annum,
respectively.

	
 

	
(9)          
The Certificate Interest Rate for the Class CB-14 Certificates
shall equal 5.000% minus LIBOR, subject to a minimum and maximum
Certificate Interest Rate of 0.000% and 5.000% per annum,
respectively.  The Class CB-14 Certificates shall accrue
interest on the Class CB-14 Notional Amount.  The Class CB-14
Certificates shall not be entitled to receive any distributions of
principal.

	
 

	
(10)        
The Class CB-16 Certificates and each Class
of the Class X Certificates shall accrue interest on the related
Class Notional Amount.  The Class CB-16 Certificates and each
Class of the Class X Certificates shall not be entitled to receive
any distributions of principal.

	
 

	
(11)        
The Certificate Interest Rate for the Class 5-A-2-M Regular
Interest shall equal LIBOR plus 0.550%, subject to a minimum and
maximum Certificate Interest Rate of 0.550% and 5.500% per annum,
respectively.

	
 

	
(12)        
The Certificate Interest Rate for the Class 5-A-3 Certificates
shall equal 4.950% minus LIBOR, subject to a minimum and maximum
Certificate Interest Rate of 0.000% and 4.950% per annum,
respectively.  The Class 5-A-3 Certificates shall accrue
interest on the Class 5-A-3 Notional Amount.  The Class 5-A-3
Certificates shall not be entitled to receive any distributions of
principal.

	
 

	
(13)        
The Certificate Interest Rate for the Class 5-A-5-M Regular
Interest shall equal LIBOR plus 0.600%, subject to a minimum and
maximum Certificate Interest Rate of 0.600% and 5.500% per annum,
respectively.

	
 

	
(14)        
The Certificate Interest Rate for the Class 5-A-6 Certificates
shall equal 4.900% minus LIBOR, subject to a minimum and maximum
Certificate Interest Rate of 0.000% and 4.900% per annum,
respectively.  The Class 5-A-6 Certificates shall accrue
interest on the Class 5-A-6 Notional Amount.  The Class 5-A-6
Certificates shall not be entitled to receive any distributions of
principal.

	
 

	
(15)         The Class P Certificates shall not be entitled to
receive any distributions of interest.

	
 

	
(16)         The Certificate Interest Rate for each Class of the
Class B Certificates shall equal, on any Distribution Date, the
weighted average of the Certificate Interest Rates for the Class
C-Y-1 and Class C-Y-2 Regular Interests.

	
 

	
(17)        
The Class R‐3 Residual Interest shall be entitled to receive
the applicable Residual Distribution Amount.  The Class
R‐3 Residual Interest shall not be entitled to receive any
distributions of interest or principal.

	
 

	
 

	
 

											

As
provided herein, with respect to REMIC III, the Servicer will cause
an election to be made on behalf of REMIC III to be treated for
federal income tax purposes as a REMIC. The REMIC III Regular
Interests will be designated regular interests in REMIC III, and
the Class R-3 Residual Interest will be designated the sole class
of residual interest in REMIC III, for purposes of the REMIC
Provisions. 

In
addition, the Trust will issue the Class R Certificates, which will
represent ownership of the Class R-1, Class R-2 and Class R-3
Residual Interests.

In
addition, the Trust will issue (i) the Class CB-1 Certificates,
which will represent ownership of (x) the Class CB-1-M Regular
Interest and (y) the applicable rights specified in the second
sentence of Section 4.05(a), (ii) the Class CB-3 Certificates,
which will represent ownership of (x) the Class CB-3-M Regular
Interest and (y) the applicable rights specified in the second
sentence of Section 4.05(a), (iii) the Class CB-9 Certificates,
which will represent ownership of (x) the Class CB-9-M Regular
Interest and (y) the applicable rights specified in the second
sentence of Section 4.05(a), (iv) the Class CB-13 Certificates,
which will represent ownership of (x) the Class CB-13-M Regular
Interest and (y) the applicable rights specified in the second
sentence of Section 4.05(a), (v) the Class 5-A-2 Certificates,
which will represent ownership of (x) the Class 5-A-2-M Regular
Interest and (y) the applicable rights specified in the second
sentence of Section 4.05(a) and (vi) the Class 5-A-5 Certificates,
which will represent ownership of (x) the Class 5-A-5-M Regular
Interest and (y) the applicable rights specified in the second
sentence of Section 4.05(a).

As of
the Cut-Off Date, the Mortgage Loans have an aggregate Principal
Balance of $1,077,859,139.89 and the Certificates have an Aggregate
Certificate Principal Balance of $1,077,859,139.11.

 

W I T N E S S E T H :

WHEREAS, the Company is a corporation duly
organized and existing under and by virtue of the laws of the State
of Delaware and has full corporate power and authority to enter
into this Agreement and to undertake the obligations undertaken by
it herein;

WHEREAS, the Servicer is a federal savings
association duly organized and existing under and by virtue of the
laws of the United States of America and has full power and
authority to enter into this Agreement and to undertake the
obligations undertaken by it herein;

WHEREAS, the Trustee is a national banking
association duly organized and existing under the laws of the
United States of America and has full power and authority to enter
into this Agreement;

WHEREAS, the Delaware Trustee is a banking
corporation duly organized and existing under the laws of the State
of Delaware and has full power and authority to enter into this
Agreement;

WHEREAS, prior to the execution and delivery
hereof, the Company and the Delaware Trustee have entered into the
Original Trust Agreement, and the Delaware Trustee has filed the
Certificate of Trust;

WHEREAS, it is the intention of the Company, the
Trustee, the Servicer and the Delaware Trustee that the Trust
created by this Agreement constitute a statutory trust under the
Statutory Trust Statute, that this Agreement constitute the
governing instrument of the Trust, and that this Agreement amend
and restate the Original Trust Agreement;

WHEREAS, the Company is the owner of the Mortgage
Loans identified in the Mortgage Loan Schedule hereto having unpaid
Principal Balances on the Cut-Off Date as stated therein;
and

WHEREAS, the Company has been duly authorized to
create the Trust to (i) hold the Mortgage Loans and certain other
property, (ii) issue the REMIC I Regular Interests and the Class
R-1 Residual Interest, (iii) hold the REMIC I Regular Interests,
(iv) issue the REMIC II Regular Interests and the Class R-2
Residual Interest, (v) hold the REMIC II Regular Interests and (vi)
issue the Certificates.

NOW,
THEREFORE, in order to declare the terms and conditions upon which
the REMIC I Regular Interests, the REMIC II Regular Interests, the
Class R Residual Interests and the Certificates are to be issued,
and in consideration of the premises and of the purchase and
acceptance of the Certificates by the Holders thereof, the Company
covenants and agrees with the Trustee, the Servicer and the
Delaware Trustee, for the equal and proportionate benefit of the
respective Holders from time to time of the REMIC I Regular
Interests, the REMIC II Regular Interests and the Certificates, as
applicable, as follows:

ARTICLE I

Section
1.01.       
Definitions.

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

Aggregate Certificate Principal
Balance: At any given time, the sum of the then current
Class Principal Balances of the Certificates.

Appraised Value:  With respect to
any (i) Mortgage Loan that is not a Streamlined Mortgage Loan
or ROV Mortgage Loan, the lesser of (a) the value set forth on the
appraisal made in connection with the origination of such Mortgage
Loan as the value of the related Mortgaged Property and (b) the
purchase price paid for the Mortgaged Property, provided,
however, that if such Mortgage Loan was originated in
connection with the refinance of a mortgage loan, such value shall
be based solely on the appraisal made in connection with the
origination of such Mortgage Loan; (ii) ROV Mortgage Loan, the
lesser of (a) the value set forth on the residential appraisal
review made in connection with the origination of such Mortgage
Loan as the value of the related Mortgaged Property and (b) the
purchase price paid for the Mortgaged Property, provided,
however, that if such ROV Mortgage Loan was originated in
connection with the refinance of a mortgage loan, such value shall
be based solely on the residential appraisal review made in
connection with the origination of such ROV Mortgage Loan; and
(iii) Streamlined Mortgage Loan, the value set forth in the
appraisal made in connection with the origination of the mortgage
loan being refinanced.

Assignment of Proprietary Lease: With
respect to a Cooperative Loan, the assignment or mortgage of the
related Cooperative Lease from the Mortgagor to the originator of
the Cooperative Loan.

Authenticating Agent: Any
authenticating agent appointed by the Trustee pursuant to Section
8.11.

Authorized Denomination: With respect
to the Certificates (other than the Class CB-2, Class CB-4, Class
CB-6, Class CB-10, Class CB-14, Class CB-15, Class CB-16, Class
5-A-3, Class 5-A-6, Class 5-A-8, Class X and Class R Certificates),
an initial Certificate Principal Balance equal to $25,000 and
multiples of $1 in excess thereof, except that one Certificate of
each Class of the Junior Subordinate Certificates may be issued in
an amount that is not an integral multiple of $1.  With
respect to the Class CB-6 and Class CB-15 Certificates, an initial
Certificate Principal Balance equal to $1,000 and multiples of
$1,000 in excess thereof.  With respect to the Class 5-A-8
Certificates, an initial Certificate Principal Balance equal to
$1,000 and multiples of $1 in excess thereof.  With respect to
the Class CB-2, Class CB-4, Class CB-10, Class CB-14, Class CB-16,
Class 5-A-3, Class 5-A-6 and Class X Certificates, an initial
Certificate Principal Balance equal to $100,000 and multiples of $1
in excess thereof.  With respect to the Class R Certificates,
one Certificate with a Percentage Interest equal to 0.01% and one
Certificate with a Percentage Interest equal to 99.99%.

Bankruptcy Loss: A loss on a Mortgage
Loan arising out of (i) a reduction in the scheduled Monthly
Payment for such Mortgage Loan by a court of competent jurisdiction
in a case under the United States Bankruptcy Code, other than any
such reduction that arises out of clause (ii) of this definition of
“Bankruptcy Loss,” including, without limitation, any
such reduction that results in a permanent forgiveness of
principal, or (ii) with respect to any Mortgage Loan, a valuation,
by a court of competent jurisdiction in a case under such
Bankruptcy Code, of the related Mortgaged Property in an amount
less than the then outstanding Principal Balance of such Mortgage
Loan.

Beneficial Holder: A Person holding a
beneficial interest in any Book-Entry Certificate as or through a
DTC Participant or an Indirect DTC Participant or a Person holding
a beneficial interest in any Definitive Certificate.

Benefit Plan Opinion: With respect to
any Certificate presented for registration in the name of any
Person, an Opinion of Counsel acceptable to and in form and
substance satisfactory to the Trustee and the Company to the effect
that the purchase or holding of such Certificate is permissible
under applicable law, will not constitute or result in a non-exempt
prohibited transaction under Section 406 of ERISA or Section 4975
of the Code, and will not subject the Trust, the Trustee, the
Delaware Trustee, the Servicer or the Company to any obligation or
liability (including obligations or liabilities under Section 406
of 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 Trust, the Trustee, the Delaware Trustee, the
Servicer or the Company.

Book-Entry Certificates: The Class A,
Class X, Class P and Senior Subordinate Certificates, beneficial
ownership and transfers of which shall be made through book entries
as described in Section 5.07.

Business Day: Any day other than a
Saturday, a Sunday, or a day on which the Certificate Insurer (with
respect to matters hereunder affecting the Certificate Insurer) or
on which banking institutions in Stockton, California, Chicago,
Illinois, New York, New York, Seattle, Washington or St. Paul,
Minnesota or any city in which the Corporate Trust Office is
located are authorized or obligated by law or executive order to be
closed.

Buydown Agreement: An agreement
between a Person and a Mortgagor pursuant to which such Person has
provided a Buydown Fund.

Buydown Fund: A fund provided by the
originator of a Mortgage Loan or another Person with respect to a
Buydown Loan which provides an amount sufficient to subsidize
regularly scheduled principal and interest payments due on such
Buydown Loan for a period. Buydown Funds may be (i) funded at the
par values of future payment subsidies, or (ii) funded in an amount
less than the par values of future payment subsidies, and
determined by discounting such par values in accordance with
interest accruing on such amounts, in which event they will be
deposited in an account bearing interest. Buydown Funds may be held
in a separate Buydown Fund Account or may be held in a Custodial
Account for P&I or a Custodial Account for Reserves and
monitored by the Servicer.

Buydown Fund Account: A separate
account or accounts created and maintained pursuant to Section 3.02
(a) with the corporate trust department of the Trustee or another
financial institution approved by the Servicer, (b) within FDIC
insured accounts (or other accounts with comparable insurance
coverage acceptable to the Rating Agencies) created, maintained and
monitored by a Servicer or (c) in a separate non-trust account
without FDIC or other insurance in an Eligible Institution. Such
account or accounts may be non-interest bearing or may bear
interest. In the event that a Buydown Fund Account is established
pursuant to clause (b) of the preceding sentence, amounts held in
such Buydown Fund Account shall not exceed the level of deposit
insurance coverage on such account; accordingly, more than one
Buydown Fund Account may be established.

Buydown Loan: A Mortgage Loan for
which the Mortgage Interest Rate has been subsidized through a
Buydown Fund provided at the time of origination of such Mortgage
Loan.

Cap Counterparty:  With respect
to the Class CB-1 Yield Maintenance Agreement, Class CB-9 Yield
Maintenance Agreement, Class CB-13 Yield Maintenance Agreement,
Class 5-A-2 Yield Maintenance Agreement and Class 5-A-5 Yield
Maintenance Agreement, Bear Stearns Financial Products Inc.; and,
with respect to the Class CB-3 Yield Maintenance Agreement, 
Bank of America, N.A.

Carry-Forward Subsequent Recoveries
Amount: For any Distribution Date and any Loan Group,
the excess, if any, of (i) the Subsequent Recoveries for such
Distribution Date for such Loan Group over (ii) the amount by which
the Class Principal Balance of the Class of Subordinate
Certificates with the lowest priority is increased in respect of
Subsequent Recoveries for such Loan Group on such Distribution Date
pursuant to the definition of “Class Principal Balance”
herein.

Certificate: Any one of the
Certificates issued pursuant to this Agreement, executed by the
Trustee and authenticated by or on behalf of the Trustee hereunder
in substantially one of the forms set forth in Exhibit A and B
hereto. The additional matter appearing in Exhibit H shall be
deemed incorporated into Exhibit A as though set forth at the end
of such Exhibit.

Certificate Account: The separate
trust account created and maintained with the Trustee, the
Investment Depository or any other bank or trust company acceptable
to the Rating Agencies which is incorporated under the laws of the
United States or any state thereof pursuant to Section 3.04, which
account shall bear a designation clearly indicating that the funds
deposited therein are held in trust for the benefit of the Trust or
any other account serving a similar function acceptable to the
Rating Agencies. Funds in the Certificate Account in respect of the
Mortgage Loans in each of the Loan Groups and amounts withdrawn
from the Certificate Account attributable to each of such Loan
Groups shall be accounted for separately. Funds in the Certificate
Account may be invested in Eligible Investments pursuant to Section
3.04(b) and reinvestment earnings thereon shall be paid to the
Servicer as additional servicing compensation. Funds deposited in
the Certificate Account (exclusive of the Servicing Fee) shall be
held in trust for the Certificateholders and for the uses and
purposes set forth in Section 2.01, Section 3.04, Section 3.05,
Section 4.01, Section 4.04 and Section 4.05.

Certificate Group: The Group 1
Certificates, Group 2 Certificates, Group 3 Certificates, Group 4
Certificates or Group 5 Certificates, as applicable.

Certificateholder or Holder: With
respect to the Certificates, the Person in whose name a Certificate
is registered in the Certificate Register, except that, solely for
the purposes of giving any consent pursuant to this Agreement, any
Certificate registered in the name of the Company, the Servicer or
any affiliate thereof shall be deemed not to be outstanding and the
Percentage Interest evidenced thereby shall not be taken into
account in determining whether the requisite percentage of
Percentage Interests necessary to effect any such consent has been
obtained; provided, that the Trustee may conclusively rely
upon an Officer’s Certificate to determine whether any Person
is an affiliate of the Company or the Servicer. For so long as no
Certificate Insurer Default exists (and whether or not any payments
with respect to Insured Amounts have been made), the Certificate
Insurer shall be deemed to be the sole Holder of all outstanding
Insured Certificates (other than the right to receive distributions
on such Insured Certificates); provided, that the
Certificate Insurer shall have no power without the consent of the
holder of each Certificate affected thereby to: (i) reduce in any
manner the amount of, or delay the timing of, distributions of
principal or interest required to be made hereunder or reduce the
Certificateholder's Percentage Interest, the Certificate Interest
Rate or the Termination Payment with respect to the Insured
Certificates; (ii) reduce the percentage of Percentage Interests
specified in Section 10.01 which are required to amend this
Agreement; (iii) create or permit the creation of any lien against
any part of the Mortgage Pool Assets, the REMIC I Assets or the
REMIC II Assets; (iv) modify any provision in any way which would
permit an earlier retirement of the Certificates; or (v) amend this
definition of “Certificateholder or Holder.”  With
respect to the REMIC II Regular Interests, the owner of the REMIC
II Regular Interests, which as of the Closing Date shall be the
Trust.  With respect to the REMIC I Regular Interests, the
owner of the REMIC I Regular Interests, which as of the Closing
Date shall be the Trust. For purposes of the definitions of
“Order” and “Preference Amount” herein,
“Holder” shall have the meaning set forth in the first
sentence of this definition of “Certificateholder or
Holder” and shall also mean a Beneficial Holder. For purposes
of the Certificate Insurance Policy,
“Certificateholder” shall have the meaning set forth in
the first sentence of this definition of “Certificateholder
or Holder” and shall also mean a Beneficial Holder.

Certificate Insurance Policy: The
Financial Guaranty Insurance Policy No. D-2005-34 issued by the
Certificate Insurer in respect of the Class CB-15 Certificates, a
copy of which is attached hereto as Exhibit K.

Certificate Insurer: Assured Guaranty
Corp., a Maryland domiciled insurance company and a subsidiary of
Assured Guaranty Ltd., or any successor thereto.

Certificate Insurer Default: The
occurrence and continuance of any one of the following: (a) the
Certificate Insurer fails to make a payment required under the
Certificate Insurance Policy in accordance with its terms; (b) the
Certificate Insurer (i) files any petition or commences any case or
any suit in equity, action at law, or other judicial or
administrative proceeding under any provision or chapter of the
United States Bankruptcy Code or any other similar federal or state
law relating to insolvency, bankruptcy, rehabilitation, liquidation
or reorganization, (ii) makes a general assignment for the benefit
of its creditors, or (iii) has an order for relief entered against
it under the United States Bankruptcy Code or any other similar
federal or state law relating to insolvency, bankruptcy,
rehabilitation, liquidation or reorganization which is final and
nonappealable; or (c) a court of competent jurisdiction or other
competent regulatory authority enters 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 the property of the Certificate Insurer).

Certificate Insurer Premium: The
“Premium,” with respect to the Class CB-15
Certificates, as set forth in the Premium Letter.

Certificate Interest Rate: For each
Class of REMIC I, REMIC II and REMIC III Regular Interests and the
Class R-1 Residual Interest, the per annum rate set forth as the
Certificate Interest Rate for such Class in the Preliminary
Statement hereto.

Certificate of Trust: The certificate
of trust filed with respect to the Trust with the Secretary of
State in accordance with Section 3810(a) of the Statutory Trust
Statute.

Certificate Principal Balance: For
each Certificate of any Class, the portion of the related Class
Principal Balance, if any, represented by such Certificate.

Certificate Register and Certificate
Registrar: The register maintained and the registrar
appointed, respectively, pursuant to Section 5.03.

Class: All REMIC I Regular Interests
or the Class R-1 Residual Interest having the same priority and
rights to payments on the Mortgage Loans from the REMIC I Available
Distribution Amount, all REMIC II Regular Interests or the Class
R-2 Residual Interest having the same priority and rights to
payments on the REMIC I Regular Interests from the REMIC II
Available Distribution Amount, and all REMIC III Regular Interests
or the Class R-3 Residual Interest having the same priority and
rights to payments on the REMIC II Regular Interests from the REMIC
III Available Distribution Amount, as applicable, which REMIC I
Regular Interests, REMIC II Regular Interests, REMIC III Regular
Interests and Class R Residual Interests, as applicable, shall be
designated as a separate Class, and which, in the case of the
Certificates (including the Class R Certificates representing
ownership of the Class R Residual Interests), shall be set forth in
the applicable forms of Certificates attached hereto as Exhibits A
and B. Each Class of REMIC I Regular Interests and the Class R-1
Residual Interest shall be entitled to receive the amounts
allocated to such Class pursuant to the definition of “REMIC
I Distribution Amount” only to the extent of the REMIC I
Available Distribution Amount for such Distribution Date remaining
after distributions in accordance with prior clauses of the
definition of “REMIC I Distribution Amount,” each Class
of REMIC II Regular Interests and the Class R-2 Residual Interest
shall be entitled to receive the amounts allocated to such Class
pursuant to the definition of “REMIC II Distribution
Amount” only to the extent of the REMIC II Available
Distribution Amount for such Distribution Date remaining after
distributions in accordance with prior clauses of the definition of
“REMIC II Distribution Amount” and each Class of REMIC
III Regular Interests and the Class R-3 Residual Interest shall be
entitled to receive the amounts allocated to such Class pursuant to
the definition of “REMIC III Distribution Amount” only
to the extent of the REMIC III Available Distribution Amount for
such Distribution Date remaining after distributions in accordance
with prior clauses of the definition of “REMIC III
Distribution Amount.”

In
addition to their right to receive payments from the REMIC III
Available Distribution Amount on the Class CB-1-M Regular Interest,
Class CB-3-M Regular Interest, Class CB-9-M Regular Interest, the
Class CB-13-M Regular Interest, the Class 5-A-2-M Regular Interest
and Class 5-A-5-M Regular Interest, respectively, the Class CB-1,
Class CB-3, Class CB-9, Class CB-13, Class 5-A-2 and Class 5-A-5
Certificates shall be entitled to receive payments, if any, as
specified in the second sentence of Section
4.05(a). 

Class 1-P Fraction: For each Class 1-P
Mortgage Loan, a fraction, the numerator of which is 5.500% less
the Pass-Through Rate on such Class 1-P Mortgage Loan and the
denominator of which is 5.500%.

Class 1-P Mortgage Loan: Any Group 1
Loan with a Pass-Through Rate of less than 5.500% per annum.

Class 2-CB Certificates: The
Certificates designated as “Class 2-CB” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class 2-CB-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class 2-P Fraction: For each Class 2-P
Mortgage Loan, a fraction, the numerator of which is 5.000% less
the Pass-Through Rate on such Class 2-P Mortgage Loan and the
denominator of which is 5.000%.

Class 2-P Mortgage Loan: Any Group 2
Loan with a Pass-Through Rate of less than 5.000% per annum.

Class 3-CB Certificates: The
Certificates designated as “Class 3-CB” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class 3-CB-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class 4-A-1 Certificates: The
Certificates designated as “Class 4-A-1” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class 4-A-1-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class 4-A-2 Certificates: The
Certificates designated as “Class 4-A-2” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class 4-A-2-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class 4-P Fraction: For each Class 4-P
Mortgage Loan, a fraction, the numerator of which is 5.500% less
the Pass-Through Rate on such Class 4-P Mortgage Loan and the
denominator of which is 5.500%.

Class 4-P Mortgage Loan: Any Group 4
Loan with a Pass-Through Rate of less than 5.500% per annum.

Class 5-A-1 Certificates: The
Certificates designated as “Class 5-A-1” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class 5-A-1-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class 5-A-2 Certificates: The
Certificates designated as “Class 5-A-2” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class 5-A-2-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class 5-A-2-M Regular Interest: 
The uncertificated undivided beneficial interest in REMIC III which
constitutes a REMIC III Regular Interest and is entitled to
distributions as set forth herein.

 Class 5-A-3 Certificates: The
Certificates designated as “Class 5-A-3” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class 5-A-3 Notional Amount: 
For any Distribution Date, the Class 5-A-2
Principal Balance immediately before that Distribution
Date.

Class 5-A-4 Certificates: The
Certificates designated as “Class 5-A-4” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class 5-A-4-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class 5-A-5 Certificates: The
Certificates designated as “Class 5-A-5” on the face
thereof in substantially the form attached hereto as Exhibit A.

 Class 5-A-5-L Regular
Interest:  The uncertificated undivided beneficial
interest in REMIC II which constitutes a REMIC II Regular Interest
and is entitled to distributions as set forth herein.

Class 5-A-5-M Regular Interest: 
The uncertificated undivided beneficial interest in REMIC III which
constitutes a REMIC III Regular Interest and is entitled to
distributions as set forth herein.

 Class 5-A-6 Certificates: The
Certificates designated as “Class 5-A-6” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class 5-A-6 Notional Amount: 
For any Distribution Date, the Class 5-A-5
Principal Balance immediately before that Distribution
Date.

Class 5-A-7 Certificates: The
Certificates designated as “Class 5-A-7” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class 5-A-7-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class 5-A-8 Certificates: The
Certificates designated as “Class 5-A-8” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class 5-A-8-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class 5-A-9 Certificates: The
Certificates designated as “Class 5-A-9” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class 5-A-9-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class 5-A-10 Certificates: The
Certificates designated as “Class 5-A-10” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class 5-A-10-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class 5-P Fraction: For each Class 5-P
Mortgage Loan, a fraction, the numerator of which is 5.500% less
the Pass-Through Rate on such Class 5-P Mortgage Loan and the
denominator of which is 5.500%.

Class 5-P Mortgage Loan: Any Group 5
Loan with a Pass-Through Rate of less than 5.500% per annum.

Class A Certificates: The Group 1-A,
Group 2-A, Group 3-A, Group 4-A and Group 5-A Certificates.

Class A-L Regular Interests:  The
Group 1-A-L, Group 2-A-L, Group 3-A-L, Group 4-A-L and Group 5-A-L
Regular Interests.

Class B Certificates: The Class B-1,
Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6
Certificates.

Class B Percentage: For any date of
determination, the aggregate Class Principal Balance of the Class B
Certificates divided by the then outstanding aggregate Principal
Balance of the Mortgage Loans.

Class B-L Regular Interests: The Class
B-1-L, Class B-2-L, Class B-3-L, Class B-4-L, Class B-5-L and Class
B-6-L Regular Interests.

Class B-1 Certificates: The
Certificates designated as “Class B-1” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class B-1-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class B-2 Certificates: The
Certificates designated as “Class B-2” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class B-2-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class B-3 Certificates: The
Certificates designated as “Class B-3” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class B-3-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class B-4 Certificates: The
Certificates designated as “Class B-4” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class B-4-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class B-5 Certificates: The
Certificates designated as “Class B-5” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class B-5-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class B-6 Certificates: The
Certificates designated as “Class B-6” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class B-6-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

 Class CB-1 Certificates: The
Certificates designated as “Class CB-1” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class CB-1-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class CB-1-M Regular Interest: 
The uncertificated undivided beneficial interest in REMIC III which
constitutes a REMIC III Regular Interest and is entitled to
distributions as set forth herein.

 Class CB-2 Certificates: The
Certificates designated as “Class CB-2” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class CB-2 Notional Amount: 
For any Distribution Date, the Class CB-1
Principal Balance immediately before that Distribution
Date.

Class CB-3 Certificates: The
Certificates designated as “Class CB-3” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class CB-3 Fraction: For any
Distribution Date, a fraction, the numerator of which is the
Certificate Interest Rate for the Class CB-3-M Regular Interest for
such Distribution Date and the denominator of which is 5.500%.

Class CB-3-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class CB-3-M Regular Interest: 
The uncertificated undivided beneficial interest in REMIC III which
constitutes a REMIC III Regular Interest and is entitled to
distributions as set forth herein.

 Class CB-4 Certificates: The
Certificates designated as “Class CB-4” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class CB-4 Notional Amount: 
For any Distribution Date, the Class CB-3
Principal Balance immediately before that Distribution
Date.

 Class CB-5 Certificates: The
Certificates designated as “Class CB-5” on the face
thereof in substantially the form attached hereto as Exhibit A.

 Class CB-5-L Regular
Interest:  The uncertificated undivided beneficial
interest in REMIC II which constitutes a REMIC II Regular Interest
and is entitled to distributions as set forth herein.

Class CB-6 and Class CB-15 Priority
Amount: For any Distribution Date before June 2008,
zero; and for any Distribution Date in or after June 2008,
$15,225.

Class CB-6 Certificates: The
Certificates designated as “Class CB-6” on the face
thereof in substantially the form attached hereto as Exhibit A.

 Class CB-6-L Regular
Interest:  The uncertificated undivided beneficial
interest in REMIC II which constitutes a REMIC II Regular Interest
and is entitled to distributions as set forth herein.

Class CB-6 Rounding Account: The
separate trust account maintained with the Trustee pursuant to
Section 3.22, which account shall bear a designation clearly
indicating that the funds deposited therein are held in trust for
the benefit of the Trust on behalf of the Class CB-6
Certificateholders, or any other account serving a similar function
acceptable to the Rating Agencies, and which account provides that
the Trustee may make, or cause to be made, withdrawals as provided
in Section 3.22 hereof, to the extent of the amount then remaining
in the Class CB-6 Rounding Account.

Class CB-7 Certificates: The
Certificates designated as “Class CB-7” on the face
thereof in substantially the form attached hereto as Exhibit A.

 Class CB-7-L Regular
Interest:  The uncertificated undivided beneficial
interest in REMIC II which constitutes a REMIC II Regular Interest
and is entitled to distributions as set forth herein.

Class CB-8 Certificates: The
Certificates designated as “Class CB-8” on the face
thereof in substantially the form attached hereto as Exhibit A.

 Class CB-8-L Regular
Interest:  The uncertificated undivided beneficial
interest in REMIC II which constitutes a REMIC II Regular Interest
and is entitled to distributions as set forth herein.

Class CB-9 Certificates: The
Certificates designated as “Class CB-9” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class CB-9-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class CB-9-M Regular Interest: 
The uncertificated undivided beneficial interest in REMIC III which
constitutes a REMIC III Regular Interest and is entitled to
distributions as set forth herein.

 Class CB-10 Certificates: The
Certificates designated as “Class CB-10” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class CB-10 Notional Amount: 
For any Distribution Date, the Class CB-9
Principal Balance immediately before that Distribution
Date.

Class CB-11 Certificates: The
Certificates designated as “Class CB-11” on the face
thereof in substantially the form attached hereto as Exhibit A.

 Class CB-11-L Regular
Interest:  The uncertificated undivided beneficial
interest in REMIC II which constitutes a REMIC II Regular Interest
and is entitled to distributions as set forth herein.

Class CB-12 Certificates: The
Certificates designated as “Class CB-12” on the face
thereof in substantially the form attached hereto as Exhibit A.

 Class CB-12-L Regular
Interest:  The uncertificated undivided beneficial
interest in REMIC II which constitutes a REMIC II Regular Interest
and is entitled to distributions as set forth herein.

Class CB-13 Certificates: The
Certificates designated as “Class CB-13” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class CB-13-L Regular Interest: 
The uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class CB-13-M Regular Interest: 
The uncertificated undivided beneficial interest in REMIC III which
constitutes a REMIC III Regular Interest and is entitled to
distributions as set forth herein.

 Class CB-14 Certificates: The
Certificates designated as “Class CB-14” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class CB-14 Notional Amount: 
For any Distribution Date, the Class CB-13
Principal Balance immediately before that Distribution
Date.

Class CB-15 Additional Reimbursement
Amount: The sum (to the extent not previously repaid to
the Certificate Insurer) of all reasonable costs and expenses
(including reasonable costs and expenses of counsel) incurred by
the Certificate Insurer in connection with the enforcement, defense
or preservation of any rights in respect of the transaction
documentation or the Certificate Insurance Policy or the
foreclosure against or sale or other disposition of any collateral
or pursuit of any remedies under the transaction documentation, to
the extent reported in writing by the Certificate Insurer to the
Servicer and the Trustee.

 Class CB-15 Available Funds: For
any Distribution Date, the portion of the REMIC III Available
Distribution Amount payable to the Class CB-15 Certificates
pursuant to the definition of  “REMIC III Distribution
Amount” herein.

 Class CB-15 Certificates: The
Certificates designated as “Class CB-15” on the face
thereof in substantially the form attached hereto as Exhibit A.

 Class CB-15 Covered Payoff Shortfall
Amount: For any Distribution Date, an amount equal to
the portion of the amount, if any, for such Distribution Date
specified in clause (iii) of the definition of “Uncompensated
Interest Shortfall” that is allocated to the Class CB-15-L
Regular Interest pursuant to such definition.

 Class CB-15 Reimbursement
Amount: All amounts previously paid by the Certificate
Insurer under the Certificate Insurance Policy which have not been
previously repaid to the Certificate Insurer.

 Class CB-15 Required
Distributions: With respect to any Distribution Date,
the sum, without duplication, of (i) the portion of the Interest
Distribution Amount for the Class CB-15-L Regular Interest
allocable to the Class CB-15 Certificates on such Distribution
Date, minus any basis risk shortfall and any shortfall attributable
to the liability of the Trust, any REMIC or the Trustee for taxes
or withholding taxes, including interest and penalties in respect
of such liability, allocated to the Class CB-15 Certificates on
such Distribution Date and (ii) the amount of any Realized Losses
allocated to the Class CB-15 Certificates on such Distribution
Date.

 Class CB-15 Reserve Fund: The
separate trust account maintained and held by the Trustee pursuant
to Section 3.17, which account shall bear a designation clearly
indicating that the funds deposited therein are held in trust
solely for the benefit of the Trust on behalf of the Class CB-15
Certificateholders, or any other account serving a similar function
acceptable to the Rating Agencies and the Certificate Insurer, and
which account provides that the Trustee may make, or cause to be
made, withdrawals therefrom in accordance with Section 3.17.

 Class CB-15-L Regular
Interest:  The uncertificated undivided beneficial
interest in REMIC I which constitutes a REMIC I Regular Interest
and is entitled to distributions as set forth herein.

Class CB-15 Rounding Account: The
separate trust account maintained with the Trustee pursuant to
Section 3.22, which account shall bear a designation clearly
indicating that the funds deposited therein are held in trust for
the benefit of the Trust on behalf of the Class CB-15
Certificateholders, or any other account serving a similar function
acceptable to the Rating Agencies, and which account provides that
the Trustee may make, or cause to be made, withdrawals as provided
in Section 3.22 hereof, to the extent of the amount then remaining
in the Class CB-15 Rounding Account.

Class CB-16 Certificates: The
Certificates designated as “Class CB-16” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class CB-16 Notional Amount: 
For any Distribution Date, the Class CB-15
Principal Balance immediately before that Distribution Date
multiplied by 2/550.

Class C-P Certificates: The
Certificates designated as “Class C-P” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class C-P-L Regular Interest: The
uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class C-P-M Regular Interest: The
uncertificated undivided beneficial interest in REMIC I which
constitutes a REMIC I Regular Interest and is entitled to
distributions as set forth herein.

Class C-X Certificates: The
Certificates designated as “Class C-X” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class C-X Notional Amount: With
respect to any Distribution Date, the product of (x) the
aggregate scheduled principal balance, as of the second preceding
Due Date after giving effect to payments scheduled to be received
as of such Due Date, whether or not received (and after giving
effect to Principal Prepayments, Monthly P&I Advances and the
principal portion of Realized Losses applied prior to such Due
Date), or with respect to the initial Distribution Date, as of the
Cut-Off Date, of the Group 1 Premium Rate Mortgage Loans and the
Group 5 Premium Rate Mortgage Loans and (y) a fraction, the
numerator of which is the weighted average of the Stripped Interest
Rates for Group 1 Premium Rate Mortgage Loans and the Group 5
Premium Rate Mortgage Loans as of such Due Date and the denominator
of which is 5.500%.

Class C-X-L Regular Interest: The
uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class C-X-M Regular Interest: The
uncertificated undivided beneficial interest in REMIC I which
constitutes a REMIC I Regular Interest and is entitled to
distributions as set forth herein.

Class C-Y Principal Reduction
Amounts:  For any Distribution Date, the
amounts by which the Class Principal Balances of the Class C-Y-1
and Class C-Y-2 Regular Interests, respectively, will be reduced on
such Distribution Date by the allocation of Realized Losses and the
distribution of principal, determined as described in Appendix
1.

Class C-Y Regular Interests: The Class
C-Y-1 and Class C-Y-2 Regular Interests.

Class C-Y-1 Principal Distribution
Amount:  For any Distribution Date, the
excess, if any, of the Class C-Y-1 Principal Reduction Amount for
such Distribution Date over the principal portion of Realized
Losses allocated to the Class C-Y-1 Regular Interest on such
Distribution Date.

Class C-Y-1 Regular Interest: The
uncertificated undivided beneficial interest in REMIC I which
constitutes a REMIC I Regular Interest and is entitled to
distributions as set forth herein.

Class C-Y-2 Principal Distribution
Amount:  For any Distribution Date, the
excess, if any, of the Class C-Y-2 Principal Reduction Amount for
such Distribution Date over the principal portion of Realized
Losses allocated to the Class C-Y-2 Regular Interest on such
Distribution Date.

Class C-Y-2 Regular Interest: The
uncertificated undivided beneficial interest in REMIC I which
constitutes a REMIC I Regular Interest and is entitled to
distributions as set forth herein.

Class C-Z Principal Reduction Amounts:
For any Distribution Date, the amounts by which the Class Principal
Balances of the Class C-Z-1 and Class C-Z-2 Regular Interests,
respectively, will be reduced on such Distribution Date by the
allocation of Realized Losses and the distribution of principal,
which shall be in each case the excess of (A) the sum of (x) the
excess of the REMIC I Available Distribution Amount for the related
Loan Group or Groups (i.e. the “related Loan Groups”
for the Class C-Z-1 Regular Interest are Loan Group 1, Loan Group
3, Loan Group 4 and Loan Group 5 and the “related Loan
Group” for the Class C-Z-2 Regular Interest is Loan Group 2)
over the sum of the amounts thereof distributable (i) in the case
of Loan Group 1 and Loan Group 5, to the Class C-P-M Regular
Interest and, in the case of Loan Group 2 and Loan Group 4, to the
Class D-P-M Regular Interest, (ii) in the case of each Loan Group,
to the related Class X-M Regular Interest, (iii) in respect of
interest on such Class C-Z Regular Interest and the related Class
C-Y Regular Interest, (iv) to such Class C-Z Regular Interest and
the related Class C-Y Regular Interest pursuant to clause (c)(ii)
of the definition of “REMIC I Distribution Amount” and
(v) in the case of Loan Group 1, to the Class R-1 Residual Interest
and (y) the amount of Realized Losses allocable to principal for
the related Loan Group or Groups (reduced, in the case of Loan
Group 1 and Loan Group 5, by the amount allocable to the Class
C-P-M Regular Interest and, in the case of Loan Group 2 and Loan
Group 4, by the amount allocable to the Class D-P-M Regular
Interest) over (B) the Class C-Y Principal Reduction Amount for the
related Loan Group or Groups.

Class C-Z Regular Interests: The Class
C-Z-1 and Class C-Z-2 Regular Interests.

Class C-Z-1 Principal Distribution
Amount: For any Distribution Date, the excess, if any,
of the Class C-Z-1 Principal Reduction Amount for such Distribution
Date over the principal portion of Realized Losses allocated to the
Class C-Z-1 Regular Interest on such Distribution Date.

Class C-Z-1 Regular Interest: The
uncertificated undivided beneficial interest in REMIC I which
constitutes a REMIC I Regular Interest and is entitled to
distributions as set forth herein.

Class C-Z-2 Principal Distribution
Amount: For any Distribution Date, the excess, if any,
of the Class C-Z-2 Principal Reduction Amount for such Distribution
Date over the principal portion of Realized Losses allocated to the
Class C-Z-2 Regular Interest on such Distribution Date.

Class C-Z-2 Regular Interest: The
uncertificated undivided beneficial interest in REMIC I which
constitutes a REMIC I Regular Interest and is entitled to
distributions as set forth herein.

Class D-P Certificates: The
Certificates designated as “Class D-P” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class D-P-L Regular Interest: The
uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class D-P-M Regular Interest: The
uncertificated undivided beneficial interest in REMIC I which
constitutes a REMIC I Regular Interest and is entitled to
distributions as set forth herein.

Class D-X Certificates: The
Certificates designated as “Class D-X” on the face
thereof in substantially the form attached hereto as Exhibit A.

Class D-X Notional Amount: With
respect to any Distribution Date, the product of (x) the
aggregate scheduled principal balance, as of the second preceding
Due Date after giving effect to payments scheduled to be received
as of such Due Date, whether or not received (and after giving
effect to Principal Prepayments, Monthly P&I Advances and the
principal portion of Realized Losses applied prior to such Due
Date), or with respect to the initial Distribution Date, as of the
Cut-Off Date, of the Group 2 Premium Rate Mortgage Loans, the Group
3 Premium Rate Mortgage Loans and the Group 4 Premium Rate Mortgage
Loans and (y) a fraction, the numerator of which is the weighted
average of the Stripped Interest Rates for Group 2 Premium Rate
Mortgage Loans, the Group 3 Premium Rate Mortgage Loans and the
Group 4 Premium Rate Mortgage Loans as of such Due Date and the
denominator of which is 5.500%.

Class D-X-L Regular Interest: The
uncertificated undivided beneficial interest in REMIC II which
constitutes a REMIC II Regular Interest and is entitled to
distributions as set forth herein.

Class D-X-M Regular Interest: The
uncertificated undivided beneficial interest in REMIC I which
constitutes a REMIC I Regular Interest and is entitled to
distributions as set forth herein.

Class Notional Amount:  With
respect to any of the Class CB-2, Class CB-4, Class CB-10, Class
CB-14, Class CB-16, Class 5-A-3, Class 5-A-6, Class C-X and Class
D-X Certificates and the Class C-X-L, Class D-X-L, Class C-X-M and
Class D-X-M Regular Interests, the related notional amount for such
Class, as specified herein (e.g., the “Class Notional
Amount” for the Class C-X Certificates and the Class C-X-L
and Class C-X-M Regular Interests is the Class C-X Notional
Amount).

Class P Certificates: The Class C-P
and Class D-P Certificates. As such term is used herein, the Class
C-P Certificates are “related” to the Class 1-P and
Class 5-P Mortgage Loans and the Class D-P Certificates are
“related” to the Class 2-P and Class 4-P Mortgage
Loans.

Class P Fraction: Any Class 1-P, Class
2-P, Class 4-P or Class 5-P Fraction, as applicable.

Class P Mortgage Loan: Any of the
Class 1-P, Class 2-P, Class 4-P or Class 5-P Mortgage
Loans.

Class P-L Regular Interests: The Class
C-P-L and Class D-P-L Regular Interests. As such term is used
herein, the Class C-P-L Regular Interest is “related”
to the Class 1-P and Class 5-P Mortgage Loans and the Class
D-P-L Regular Interest is “related” to the Class 2-P
and Class 4-P Mortgage Loans.

Class P-M Regular Interests: The Class
C-P-M and Class D-P-M Regular Interests. As such term is used
herein, the Class C-P-M Regular Interest is “related”
to the Class 1-P and Class 5-P Mortgage Loans and the Class
D-P-M Regular Interest is “related” to the Class 2-P
and Class 4-P Mortgage Loans.

Class Principal Balance: For any Class
of REMIC I, REMIC II or REMIC III Regular Interests and for the
Class R-1 Residual Interest, the applicable initial Class Principal
Balance therefor set forth in the Preliminary Statement hereto (or,
in the case of the Class R Certificates, the Class Principal
Balance of the Class R-1 Residual Interest), corresponding to the
rights of such Class in payments of principal due to be passed
through to the Holders of such Class from principal payments on the
Mortgage Loans, the REMIC I Regular Interests or the REMIC II
Regular Interests, as applicable, as reduced from time to time by
(x) distributions of principal to the Holders of such Class and (y)
the portion of Realized Losses allocated to the Class Principal
Balance of such Class pursuant to the definition of “Realized
Loss” (including amounts allocated as losses to the Class B
Certificates and the Class B-L Regular
Interests pursuant to the fourth paragraph of the definition
of “Realized Loss”) with respect to a given
Distribution Date. For any Distribution Date, the reduction of the
Class Principal Balance of any Class of REMIC I, REMIC II or REMIC
III Regular Interests pursuant to the definition of “Realized
Loss” shall be deemed effective after the determination and
distribution of principal on such Class pursuant to the definitions
of “REMIC I Distribution Amount,” “REMIC II
Distribution Amount” and “REMIC III Distribution
Amount.”

Notwithstanding the foregoing, (A) any amounts
distributed in respect of losses pursuant to paragraph (I)(f)(i) or
(I)(f)(ii) of the definition of “REMIC II Distribution
Amount” shall not cause a reduction in the Class Principal
Balances of the Class P Certificates or the
Class P-L Regular Interests and (B) any amounts distributed
in respect of principal losses pursuant to paragraph (I)(f)(xxiii)
of the definition of “REMIC II Distribution Amount”
shall not cause a reduction in the Class Principal Balances of the
REMIC II Regular Interests or their
Corresponding Classes.

In
addition to the foregoing, on each Distribution Date, the Class Principal Balance of the Class of Class B
Certificates with the lowest priority then outstanding (and of its
Corresponding Class) shall be increased
by an amount, for each Loan Group, equal to the lesser of (i) the
Subsequent Recoveries for such Distribution Date for such Loan
Group and (ii) the amount of Realized Losses for Mortgage Loans in
such Loan Group allocated to such Class on previous Distribution
Dates (the amount in this clause (ii) reduced by the amount, if
any, by which such Class Principal Balance has been increased on
prior Distribution Dates pursuant to this paragraph in respect of
Subsequent Recoveries for such Loan Group).

The
Class Principal Balance for the Class CB-1 Certificates shall be
referred to as the “Class CB-1 Principal Balance,”
the Class Principal Balance for the Class
CB-1-L Regular Interest shall be referred to as the “Class
CB-1-L Principal Balance” and so on.  The Class
Principal Balances for the Class CB-2, Class CB-4, Class CB-10,
Class CB-14, Class CB-16, Class 5-A-3, Class 5-A-6 and Class X
Certificates, the Class X-L Regular Interests and the Class X-M
Regular Interests shall each be zero.

Class R Certificates: The Certificates
designated as “Class R” on the face thereof in
substantially the form attached hereto as Exhibit B, representing
ownership of the Class R-1, Class R-2 and Class R-3 Residual
Interests, each of which Class of Residual Interests has been
designated as the sole class of “residual interest” in
REMIC I, REMIC II and REMIC III, respectively, pursuant to Section
2.06, Section 2.11 and Section 2.14, respectively, for purposes of
Section 860G(a)(2) of the Code.

Class R Residual Interests: The Class
R-1, Class R-2 and Class R-3 Residual Interests (which shall be
transferable only as a unit evidenced by the Class R Certificates,
in accordance with the applicable provisions of Section 5.01).

Class R-1
Residual Interest: The uncertificated undivided
beneficial interest in REMIC I which has been designated as the
single class of “residual interest” in REMIC I pursuant
to Section 2.06.  The Class R-1 Residual Interest, together
with the REMIC I Regular Interests, shall be deemed to be a
separate series of beneficial interests in the assets of the Trust
consisting of the REMIC I Assets pursuant to Section 3806(b)(2) of
the Statutory Trust Statute.

Class R-2 Residual Interest: The
uncertificated undivided beneficial interest in REMIC II which has
been designated as the single class of “residual
interest” in REMIC II pursuant to Section 2.11.  The
Class R-2 Residual Interest, together with the REMIC II Regular
Interests, shall be deemed to be a separate series of beneficial
interests in the assets of the Trust consisting of the REMIC II
Assets pursuant to Section 3806(b)(2) of the Statutory Trust
Statute.

Class R-3 Residual Interest: The
uncertificated undivided beneficial interest in REMIC III which has
been designated as the single class of “residual
interest” in REMIC III pursuant to Section 2.14.  The
Class R-3 Residual Interest, together with the REMIC III Regular
Interests, shall be deemed to be a separate series of beneficial
interests in the assets of the Trust consisting of the REMIC III
Assets pursuant to Section 3806(b)(2) of the Statutory Trust
Statute.

Class X Certificates: The Class C-X
and Class D-X Certificates.

Class X-L Regular Interests: The Class
C-X-L and Class D-X-L Regular Interests.

Class X-M Regular Interests: The Class
C-X-M and Class D-X-M Regular Interests.

Clean-Up Call Percentage: 10%.

Clearing Agency: An organization
registered as a “clearing agency” pursuant to Section
17A of the Securities Exchange Act of 1934, as amended, which
initially shall be DTC.

Closing Date: May 25, 2005, which is
the date of settlement of the sale of the Certificates to the
original purchasers thereof.

Closing Date Loan-to-Value Ratio: For
each Mortgage Loan, the principal balance of such Mortgage Loan as
of the Cut-Off Date (after application of all scheduled principal
payments due on or before the Cut-Off Date) divided by the value of
the related Mortgaged Property as of the Closing Date.

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

Company: Washington Mutual Mortgage
Securities Corp., a Delaware corporation, or its
successor-in-interest.

Compensating Interest: For any
Distribution Date with respect to each Loan Group and the Mortgage
Loans contained therein, the least of (i) the sum of (a) 1/12 of 0.050% of the aggregate Principal Balance of
the Mortgage Loans for such Loan Group for such Distribution
Date, (b) the aggregate Payoff Earnings with respect to such
Loan Group for such Distribution Date and (c) the aggregate Payoff
Interest with respect to such Loan Group for such Distribution
Date; (ii) the aggregate Uncollected Interest with respect to such
Loan Group for such Distribution Date and (iii) 1/12 of 0.125%
of the aggregate Principal Balance of the Mortgage Loans contained
in such Loan Group immediately preceding such Distribution
Date.

Cooperative: A private, cooperative
housing corporation which owns or leases land and all or part of a
building or buildings, including apartments, spaces used for
commercial purposes and common areas therein and whose board of
directors authorizes, among other things, the sale of Cooperative
Stock.

Cooperative Apartment: A dwelling unit
in a multi-dwelling building owned or leased by a Cooperative,
which unit the Mortgagor has an exclusive right to occupy pursuant
to the terms of a proprietary lease or occupancy agreement.

Cooperative Lease: With respect to a
Cooperative Loan, the proprietary lease or occupancy agreement with
respect to the Cooperative Apartment occupied by the Mortgagor and
relating to the related Cooperative Stock, which lease or agreement
confers an exclusive right to the holder of such Cooperative Stock
to occupy such apartment.

Cooperative Loans:  Any of the
Mortgage Loans made in respect of a Cooperative Apartment,
evidenced by a Mortgage Note and secured by (i) a Security
Agreement, (ii) the related Cooperative Stock Certificate, (iii) an
assignment or mortgage of the Cooperative Lease, (iv) financing
statements and (v) a stock power (or other similar instrument), and
ancillary thereto, a Recognition Agreement, each of which was
transferred and assigned to the Trust pursuant to Section 2.04.

Cooperative Stock:  With respect
to a Cooperative Loan, the single outstanding class of stock,
partnership interest or other ownership instrument in the related
Cooperative.

Cooperative Stock Certificate: 
With respect to a Cooperative Loan, the stock certificate or other
instrument evidencing the related Cooperative Stock.

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 135 South LaSalle Street, Suite 1625,
Chicago, Illinois, 60603, Attention: Global Securitization Trust
Services – WMALT Series 2005-4.

Corporation: Any Person (other than an
individual, partnership, joint venture or unincorporated
organization) incorporated, associated, organized, chartered or
existing under the laws of any state or under the federal laws of
the United States of America; provided, that such Person
have indefinite existence under the law of its domicile.

Corresponding Class: With respect to
the REMIC II Regular Interests and the REMIC III Regular Interests,
the “Corresponding Class” shall be as indicated in the
following table:

	
Class CB-1-L

	
 

	
 

	
Class CB-1-M

	
Class CB-3-L

	
 

	
 

	
Class CB-3-M

	
Class CB-5-L

	
 

	
 

	
Class CB-5

	
Class CB-6-L

	
 

	
 

	
Class CB-6

	
Class CB-7-L

	
 

	
 

	
Class CB-7

	
Class CB-8-L

	
 

	
 

	
Class CB-8

	
Class CB-9-L

	
 

	
 

	
Class CB-9-M

	
Class CB-11-L

	
 

	
 

	
Class CB-11

	
Class CB-12-L

	
 

	
 

	
Class CB-12

	
Class CB-13-L

	
 

	
 

	
Class CB-13-M

	
Class CB-15-L

	
 

	
 

	
Class CB-15

	
Class 2-CB-L

	
 

	
 

	
Class 2-CB

	
Class 3-CB-L

	
 

	
 

	
Class 3-CB

	
Class 4-A-1-L

	
 

	
 

	
Class 4-A-1

	
Class 4-A-2-L

	
 

	
 

	
Class 4-A-2

	
Class 5-A-1-L

	
 

	
 

	
Class 5-A-1

	
Class 5-A-2-L

	
 

	
 

	
Class 5-A-2-M

	
Class 5-A-4-L

	
 

	
 

	
Class 5-A-4

	
Class 5-A-5-L

	
 

	
 

	
Class 5-A-5-M

	
Class 5-A-7-L

	
 

	
 

	
Class 5-A-7

	
Class 5-A-8-L

	
 

	
 

	
Class 5-A-8

	
Class 5-A-9-L

	
 

	
 

	
Class 5-A-9

	
Class 5-A-10-L

	
 

	
 

	
Class 5-A-10

	
Class C-P-L

	
 

	
 

	
Class C-P

	
Class D-P-L

	
 

	
 

	
Class D-P

	
Class C-X-L

	
 

	
 

	
Class C-X

	
Class D-X-L

	
 

	
 

	
Class D-X

	
Class B-1-L

	
 

	
 

	
Class B-1

	
Class B-2-L

	
 

	
 

	
Class B-2

	
Class B-3-L

	
 

	
 

	
Class B-3

	
Class B-4-L

	
 

	
 

	
Class B-4

	
Class B-5-L

	
 

	
 

	
Class B-5

	
Class B-6-L

	
 

	
 

	
Class B-6

 

Credit Support Depletion Date: The
first Distribution Date on which the aggregate Class Principal
Balance of the Class B Certificates has been or will be reduced to
zero as a result of principal distributions thereon and the
allocation of Realized Losses on such Distribution Date.

Cumulative Carry-Forward Subsequent Recoveries
Amount: For any Distribution Date and any Loan Group,
the sum of (i) the Carry-Forward Subsequent Recoveries Amount for
such Distribution Date for such Loan Group and (ii) the
Carry-Forward Subsequent Recoveries Amounts for prior Distribution
Dates for such Loan Group to the extent such Carry-Forward
Subsequent Recoveries Amounts have not been applied in reduction of
Realized Losses on prior Distribution Dates pursuant to the first
paragraph of the definition of “Realized Loss”
herein.

Curtailment: Any payment of principal
on a Mortgage Loan, made by or on behalf of the related Mortgagor,
other than a Monthly Payment, a Prepaid Monthly Payment or a
Payoff, which is applied to reduce the outstanding principal
balance of the Mortgage Loan. (Prepayment penalties are not
payments of principal and hence Curtailments do not include
prepayment penalties.)

Curtailment Shortfall: For any
Distribution Date and for any Curtailment applied with a Monthly
Payment in the Prior Period other than a Prepaid Monthly Payment,
an amount equal to one month’s interest on such Curtailment
at the applicable Pass-Through Rate on such Mortgage Loan.

Custodial Account for P&I: The
custodial account for principal and interest established and
maintained by the Servicer pursuant to Section 3.02 either (a) with
the corporate trust department of the Trustee or another financial
institution approved by the Servicer such that the rights of the
Servicer, the Trustee, the Trust, the Delaware Trustee, the
Certificate Insurer and the Certificateholders thereto shall be
fully protected against the claims of any creditors or depositors
of the institution in which such account is maintained, (b) within
FDIC insured accounts (or other accounts with comparable insurance
coverage acceptable to the Rating Agencies) created, maintained and
monitored by the Servicer or (c) as a separate account at an
Eligible Institution. In the event that a Custodial Account for
P&I is established pursuant to clause (b) of the preceding
sentence, amounts held in such Custodial Account for P&I shall
not exceed the level of deposit insurance coverage on such account;
accordingly, more than one Custodial Account for P&I may be
established. Any amount that is at any time not protected or
insured to the extent, if any, required by the first sentence of
this definition of “Custodial Account for P&I”
shall promptly be withdrawn from such Custodial Account for P&I
and be remitted to the Investment Account.  In the event that
a Custodial Account for P&I is established pursuant to clause
(c) it shall be entitled "Washington Mutual Bank in trust for
holders of Washington Mutual Mortgage Pass-Through Certificates,
WMALT Series 2005-4."

Custodial Account for Reserves: The
custodial account for reserves established and maintained by the
Servicer pursuant to Section 3.02 either (a) with the corporate
trust department of the Trustee or another financial institution
approved by the Servicer such that the rights of the Servicer, the
Trustee, the Trust, the Delaware Trustee, the Certificate Insurer
and the Certificateholders thereto shall be fully protected against
the claims of any creditors or depositors of the institution in
which such account is maintained, (b) within FDIC insured accounts
(or other accounts with comparable insurance coverage acceptable to
the Rating Agencies) created, maintained and monitored by the
Servicer or (c) as a separate account at an Eligible Institution.
In the event that a Custodial Account for Reserves is established
pursuant to clause (b) of the preceding sentence, amounts held in
such Custodial Account for Reserves shall not exceed the level of
deposit insurance coverage on such account; accordingly, more than
one Custodial Account for Reserves may be established. Any amount
that is at any time not protected or insured to the extent, if any,
required the first sentence of this definition of “Custodial
Account for Reserves” shall promptly be withdrawn from such
Custodial Account for Reserves and be remitted to the Investment
Account.  In the event that a Custodial Account for Reserves
is established pursuant to clause (c) it shall be entitled "
Washington Mutual Bank in trust for various mortgagors and/or
holders of Washington Mutual Mortgage Pass-Through Certificates,
WMALT Series 2005-4."

Custodial Agreement: The agreement, if
any, between the Trustee and a Custodian (or the Trustee, a
Custodian and the Servicer) providing for the safekeeping of the
Mortgage Files on behalf of the Trust.

Custodian: A custodian which is
appointed by the Trustee with the consent of the Servicer, as
provided in Article II hereof, pursuant to a Custodial Agreement.
Any Custodian so appointed shall act as agent on behalf of the
Trustee.  The reasonable fees and expenses of the Custodian
shall be paid by the Servicer. The Trustee shall remain at all
times responsible under the terms of this Agreement,
notwithstanding the fact that certain duties have been assigned to
a Custodian.

Cut-Off Date: May 1, 2005.

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

Deficiency Amount: With respect to the
Insured Certificates, the sum of (i) for each Distribution Date,
the excess, if any, of the Class CB-15 Required Distributions for
such Distribution Date over the Class CB-15 Available Funds for
such Distribution Date and (ii) on the Last Scheduled Distribution
Date for the Insured Certificates or, with the consent of the
Certificates Insurer, upon the earlier termination of the Trust
pursuant to the terms hereof, the Class Principal Balance of the
Insured Certificates after giving effect to any distributions on
such Distribution Date (other than distributions of Insured
Amounts); provided, however, that “Deficiency
Amount” shall not include any additional amounts owing by the
Trust solely as a result of the failure by the Trustee to pay such
amount when due and payable, including, without limitation, any
such additional amounts as may be attributable to penalties or
default interest rates, amounts in respect of indemnification, or
any other additional amounts payable by the Trust or the Trustee by
reason of such a default.

Definitive Certificates: Certificates
in definitive, fully registered and certificated form.

Delaware Trustee: Christiana Bank
& Trust Company, or its successor-in-interest as provided in
Section 8.09, or any successor trustee appointed as herein
provided.

Depositary Agreement: The Letter of
Representations, dated May 24, 2005 by and among DTC, the Trust and
the Trustee. The Trustee is authorized to enter into the Depositary
Agreement on behalf of the Trust.

Destroyed Mortgage Note: A Mortgage
Note the original of which (or a portion of the original of which)
was permanently lost or destroyed and has not been replaced.

Determination Date: A day not later
than the 10th day preceding a related Distribution Date, as
determined by the Servicer.

Disqualified Organization:  Any
Person which is not a Permitted Transferee, but does not include
any Pass-Through Entity which owns or holds a Residual Certificate
and of which a Disqualified Organization, directly or indirectly,
may be a stockholder, partner or beneficiary.

Distribution Date: With respect to
distributions on the REMIC I, REMIC II and REMIC III Regular
Interests and the Certificates, the 25th day (or, if such 25th day
is not a Business Day, the Business Day immediately succeeding such
25th day) of each month, with the first such date being June 27,
2005.  The “related Due Date” for any Distribution
Date is the Due Date immediately preceding such Distribution
Date.

DTC: The Depository Trust Company.

DTC Participant: A broker, dealer,
bank, other financial institution or other Person for whom DTC
effects book-entry transfers and pledges of securities deposited
with DTC.

Due Date: The day on which the Monthly
Payment for each Mortgage Loan is due.

Eligible Institution: An institution
having (i) the highest short-term debt rating, and one of the two
highest long-term debt ratings of the Rating Agencies, (ii) with
respect to any Custodial Account for P&I and special Custodial
Account for Reserves, an unsecured long-term debt rating of at
least one of the two highest unsecured long-term debt ratings of
the Rating Agencies, (iii) with respect to any Buydown Fund Account
or Custodial Account which also serves as a Buydown Fund Account,
the highest unsecured long-term debt rating by the Rating Agencies,
or (iv) the approval of the Rating Agencies. Notwithstanding the
foregoing, Washington Mutual Bank shall be an “Eligible
Institution” if the following conditions are satisfied: (i)
Washington Mutual Bank is acting as Servicer, (ii) if S&P is a
Rating Agency as defined herein, the long-term unsecured debt
obligations of Washington Mutual Bank are rated no lower than
“A-” by S&P and the short-term unsecured debt
obligations of Washington Mutual Bank are rated no lower than
“A-2” by S&P, (iii) if Fitch is a Rating Agency as
defined herein, the long-term unsecured debt obligations of
Washington Mutual Bank are rated no lower than “A” by
Fitch and the short-term unsecured debt obligations of Washington
Mutual Bank are rated no lower than “F1” by Fitch and
(iv) if Moody’s is a Rating Agency as defined herein, the
long-term unsecured debt obligations of Washington Mutual Bank are
rated no lower than “A2” by Moody’s and the
short-term unsecured debt obligations of Washington Mutual Bank are
rated no lower than “P-1” by Moody’s;
provided, that if the long-term or short-term unsecured debt
obligations of Washington Mutual Bank are downgraded by any of the
Rating Agencies to a rating lower than the applicable rating
specified in this sentence, Washington Mutual Bank shall cease to
be an “Eligible Institution” ten Business Days after
notification of such downgrade.

Eligible Investments: Any one or more
of the obligations or securities listed below in which funds
deposited in the Investment Account, the Certificate Account, the
Custodial Account for P&I and the Custodial Account for
Reserves may be invested:

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

(ii)               
Repurchase agreements on obligations described in clause (i) of
this definition of “Eligible Investments,” provided
that the unsecured obligations of the party (including the Trustee
in its commercial capacity) agreeing to repurchase such obligations
have at the time one of the two highest short term debt
ratings  of the Rating Agencies and provided that such
repurchaser’s unsecured long term debt has one of the two
highest unsecured long term debt ratings of the Rating
Agencies;

(iii)              
Federal funds, certificates of deposit, time deposits and
bankers’ acceptances of LaSalle Bank or any trust company
incorporated under the laws of the United States or any state
(including the Trustee in its commercial capacity), provided that
the debt obligations of such bank or trust company (or, in the case
of the principal bank in a bank holding company system, debt
obligations of the bank holding company) at the date of acquisition
thereof have one of the two highest short term debt ratings of the
Rating Agencies and unsecured long term debt has one of the two
highest unsecured long term debt ratings of the Rating
Agencies;

(iv)             
Obligations of, or obligations guaranteed by, any state of the
United States or the District of Columbia, provided that such
obligations at the date of acquisition thereof shall have the
highest long-term debt ratings available for such securities from
the Rating Agencies;

(v)               
Commercial paper of any corporation incorporated under the laws of
the United States or any state thereof, which on the date of
acquisition has the highest commercial paper rating of the Rating
Agencies, provided that the corporation has unsecured long term
debt that has one of the two highest unsecured long term debt
ratings of the Rating Agencies;

(vi)             
Securities (other than stripped bonds or stripped coupons) bearing
interest or sold at a discount that are issued by any corporation
incorporated under the laws of the United States or any state
thereof and have the highest long-term unsecured rating available
for such securities from the Rating Agencies; provided, however,
that securities issued by any such corporation will not be
investments to the extent that investment therein would cause the
outstanding principal amount of securities issued by such
corporation that are then held as part of the Investment Account or
the Certificate Account to exceed 20% of the aggregate principal
amount of all Eligible Investments then held in the Investment
Account and the Certificate Account; and

(vii)            
Units of taxable money market funds (which may be 12b-1 funds, as
contemplated under the rules promulgated by the Securities and
Exchange Commission under the Investment Company Act of 1940),
which funds have the highest rating available for such securities
from the Rating Agencies or which have been designated in writing
by the Rating Agencies as Eligible Investments;

provided, however, that such
obligation or security is held for a temporary period pursuant to
Section 1.860G-2(g)(1) of the Treasury Regulations, and that such
period can in no event exceed thirteen months.

In no
event shall an instrument be an Eligible Investment if such
instrument (a) evidences a right to receive only interest payments
with respect to the obligations underlying such instrument or (b)
has been purchased at a price greater than the outstanding
principal balance of such instrument.

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

ERISA Restricted Certificate: Any
Senior Subordinate Certificate.

Event of Default: Any event of default
as specified in Section 7.01.

Excess Liquidation Proceeds: With
respect to any Distribution Date, the sum of (i) the excess, if
any, of aggregate Liquidation Proceeds received during the Prior
Period over the amount that would have been received if Payoffs had
been made with respect to such Mortgage Loans on the date such
Liquidation Proceeds were received and (ii) any Excess Subsequent
Recoveries for any Loan Group for such Distribution Date.

Excess Subsequent Recoveries: For any
Distribution Date and any Loan Group, the excess, if any, of (i)
amounts received by the Servicer during the Prior Period (after
deduction of amounts reimbursable under Section 3.05(a)(i) and
(ii)) in connection with the liquidation of defaulted Mortgage
Loans in such Loan Group after such Mortgage Loans became
Liquidated Mortgage Loans over (ii) the Subsequent Recoveries for
such Distribution Date for such Loan Group.

Fannie Mae: The entity formerly known
as the Federal National Mortgage Association, or any successor
thereto.

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

FHA: Federal Housing Administration,
or any successor thereto.

Final Maturity Date:  With
respect to each Class of the REMIC I Regular Interests, the REMIC
II Regular Interests and the Certificates, the date set forth in
the applicable table contained in the Preliminary Statement
hereto.

Final Yield Maintenance Payment Date:
For the Class CB-1 and Class CB-3 Certificates, the Distribution
Date in August 2016; for the Class CB-9 and Class CB-13
Certificates, the Distribution Date in April 2035; for the Class
5-A-2 Certificates, the Distribution Date in March 2012; and for
the Class 5-A-5 Certificates, the Distribution Date in February
2011.

Fitch: Fitch Ratings, provided that at
any time it be a Rating Agency.

Freddie Mac: The entity formerly known
as the Federal Home Loan Mortgage Corporation, or any successor
thereto.

Group 1 Certificates: The Group 1-A
Certificates.

Group 1 Loans:  The Mortgage
Loans designated on the Mortgage Loan Schedule as Group 1
Loans.

Group 1 Lockout Adjusted
Percentage: (i) For any Distribution
Date occurring before June 2010, 0% and (ii) for any Distribution
Date occurring in or after June 2010, the Group 1 Lockout
Percentage.

Group 1 Lockout Liquidation
Amount: For any Distribution Date,
the aggregate, for each Group 1 Loan which became a Liquidated
Mortgage Loan during the Prior Period, of the lesser of
(i) the Group 1 Lockout Adjusted Percentage of the Principal
Balance of such Mortgage Loan (exclusive of the Class 1-P
Fraction thereof, with respect to any Class 1-P Mortgage Loan) 
and (ii) the Group 1 Lockout Adjusted
Percentage of the Liquidation Principal with respect to such
Mortgage Loan.

Group 1 Lockout Percentage: For any Distribution Date, the lesser of (i) 100% and
(ii) the aggregate Class Principal Balance of the Class CB-7 and
Class CB-8 Certificates, divided by the aggregate Principal Balance
of the Group 1 Loans (exclusive of the Class 1-P Fraction
thereof, with respect to any Class 1-P Mortgage Loan), in each case immediately before such Distribution
Date.

Group 1 Lockout Prepayment
Percentage: For any Distribution
Date, the product of (i) the Group 1 Lockout Percentage and (ii)
the Step Down Percentage.

Group 1 Lockout Priority Amount: For any Distribution Date, the sum of (i) the
Group 1 Lockout Adjusted Percentage of the Principal Payment Amount
for Loan Group 1 (exclusive of the portion thereof
attributable to principal distributions to the Class C-P-L Regular
Interest pursuant to clauses (I)(a)(i) and (II)(a)(i) of the
definition of “REMIC II Distribution Amount”), (ii) the Group 1 Lockout Prepayment Percentage
of the Principal Prepayment Amount for Loan Group 1
(exclusive of the portion thereof attributable to principal
distributions to the Class C-P-L Regular Interest pursuant to
clauses (I)(a)(i) and (II)(a)(i) of the definition of “REMIC
II Distribution Amount”) and
(iii) the Group 1 Lockout Liquidation Amount.

Group 1 Premium Rate Mortgage
Loans:  The Group 1 Loans having Pass-Through Rates
greater than or equal to 5.500% per annum.

Group 1 Senior Liquidation Amount: For
any Distribution Date, the sum of (A) the aggregate, for each Group
1 Loan which became a Liquidated Mortgage Loan during the Prior
Period, of the lesser of: (i) the Group 1 Senior Percentage of the
Principal Balance of such Mortgage Loan (exclusive of the Class 1-P
Fraction thereof, with respect to any Class 1-P Mortgage Loan) and
(ii) the Group 1 Senior Prepayment Percentage of the Liquidation
Principal with respect to such Mortgage Loan and (B) the Group 1
Senior Prepayment Percentage of any Subsequent Recoveries for Loan
Group 1 for such Distribution Date.

Group 1 Senior Percentage: For any
Distribution Date, the lesser of (i) 100% and (ii) the aggregate
Class Principal Balance of the Group 1-A Certificates and Residual
Certificates divided by the aggregate Principal Balance of the
Group 1 Loans (exclusive of the Class 1-P Fraction thereof with
respect to any Class 1-P Mortgage Loan), in each case immediately
before such Distribution Date.

Group 1 Senior Prepayment Percentage, Group 2
Senior Prepayment Percentage, Group 3 Senior Prepayment Percentage,
Group 4 Senior Prepayment Percentage or Group 5 Senior Prepayment
Percentage: For any Distribution Date, each of the Group
1 Senior Prepayment Percentage, Group 2 Senior Prepayment
Percentage, the Group 3 Senior Prepayment Percentage, the Group 4
Senior Prepayment Percentage and Group 5 Senior Prepayment
Percentage shall equal 100%, unless (i) the Group 1 Senior
Percentage for such Distribution Date is less than or equal to the
Group 1 Senior Percentage as of the Closing Date, the Group 2
Senior Percentage for such Distribution Date is less than or equal
to the Group 2 Senior Percentage as of the Closing Date, the Group
3 Senior Percentage for such Distribution Date is less than or
equal to the Group 3 Senior Percentage as of the Closing Date, the
Group 4 Senior Percentage for such Distribution Date is less than
or equal to the Group 4 Senior Percentage as of the Closing Date
and the Group 5 Senior Percentage for such Distribution Date is
less than or equal to the Group 5 Senior Percentage as of the
Closing Date, (ii) such Distribution Date occurs on or after the
fifth anniversary of the first Distribution Date and (iii) the
following tests specified in clauses (a) through (j) are met with
respect to each of Loan Group 1, Loan Group 2, Loan Group 3, Loan
Group 4 and Loan Group 5:

(a)        the
mean aggregate Principal Balance as of the Distribution Date in
each of the immediately preceding six calendar months of the Group
1 Loans which were 60 or more days delinquent as of such date
(including Mortgage Loans in bankruptcy or foreclosure and
Mortgaged Properties held by REMIC I) is less than or equal to 50%
of the Subordinate Component Balance for Loan Group 1 as of the
current Distribution Date,

(b)        the
mean aggregate Principal Balance as of the Distribution Date in
each of the immediately preceding six calendar months of the Group
2 Loans which were 60 or more days delinquent as of such date
(including Mortgage Loans in bankruptcy or foreclosure and
Mortgaged Properties held by REMIC I) is less than or equal to 50%
of the Subordinate Component Balance for Loan Group 2 as of the
current Distribution Date,

(c)        the
mean aggregate Principal Balance as of the Distribution Date in
each of the immediately preceding six calendar months of the Group
3 Loans which were 60 or more days delinquent as of such date
(including Mortgage Loans in bankruptcy or foreclosure and
Mortgaged Properties held by REMIC I) is less than or equal to 50%
of the Subordinate Component Balance for Loan Group 3 as of the
current Distribution Date,

(d)        the
mean aggregate Principal Balance as of the Distribution Date in
each of the immediately preceding six calendar months of the Group
4 Loans which were 60 or more days delinquent as of such date
(including Mortgage Loans in bankruptcy or foreclosure and
Mortgaged Properties held by REMIC I) is less than or equal to 50%
of the Subordinate Component Balance for Loan Group 4 as of the
current Distribution Date,

(e)        the
mean aggregate Principal Balance as of the Distribution Date in
each of the immediately preceding six calendar months of the Group
5 Loans which were 60 or more days delinquent as of such date
(including Mortgage Loans in bankruptcy or foreclosure and
Mortgaged Properties held by REMIC I) is less than or equal to 50%
of the Subordinate Component Balance for Loan Group 5 as of the
current Distribution Date,

(f)        
cumulative Realized Losses on the Group 1 Loans allocated to the
Class B Certificates, as a percentage of the Subordinate Component
Balance for Loan Group 1 as of the Closing Date, are less than or
equal to, for any Distribution Date (1) before the sixth
anniversary of the first Distribution Date, 30%, (2) on or after
the sixth anniversary but before the seventh anniversary of the
first Distribution Date, 35%, (3) on or after the seventh
anniversary but before the eighth anniversary of the first
Distribution Date, 40%, (4) on or after the eighth anniversary but
before the ninth anniversary of the first Distribution Date, 45%,
and (5) on or after the ninth anniversary of the first Distribution
Date, 50%,

(g)       
cumulative Realized Losses on the Group 2 Loans allocated to the
Class B Certificates, as a percentage of the Subordinate Component
Balance for Loan Group 2 as of the Closing Date, are less than or
equal to, for any Distribution Date (1) before the sixth
anniversary of the first Distribution Date, 30%, (2) on or after
the sixth anniversary but before the seventh anniversary of the
first Distribution Date, 35%, (3) on or after the seventh
anniversary but before the eighth anniversary of the first
Distribution Date, 40%, (4) on or after the eighth anniversary but
before the ninth anniversary of the first Distribution Date, 45%,
and (5) on or after the ninth anniversary of the first Distribution
Date, 50%,

(h)       
cumulative Realized Losses on the Group 3 Loans allocated to the
Class B Certificates, as a percentage of the Subordinate Component
Balance for Loan Group 3 as of the Closing Date, are less than or
equal to, for any Distribution Date (1) before the sixth
anniversary of the first Distribution Date, 30%, (2) on or after
the sixth anniversary but before the seventh anniversary of the
first Distribution Date, 35%, (3) on or after the seventh
anniversary but before the eighth anniversary of the first
Distribution Date, 40%, (4) on or after the eighth anniversary but
before the ninth anniversary of the first Distribution Date, 45%,
and (5) on or after the ninth anniversary of the first Distribution
Date, 50%,

(i)        
cumulative Realized Losses on the Group 4 Loans allocated to the
Class B Certificates, as a percentage of the Subordinate Component
Balance for Loan Group 4 as of the Closing Date, are less than or
equal to, for any Distribution Date (1) before the sixth
anniversary of the first Distribution Date, 30%, (2) on or after
the sixth anniversary but before the seventh anniversary of the
first Distribution Date, 35%, (3) on or after the seventh
anniversary but before the eighth anniversary of the first
Distribution Date, 40%, (4) on or after the eighth anniversary but
before the ninth anniversary of the first Distribution Date, 45%,
and (5) on or after the ninth anniversary of the first Distribution
Date, 50%, and

(j)        
cumulative Realized Losses on the Group 5 Loans allocated to the
Class B Certificates, as a percentage of the Subordinate Component
Balance for Loan Group 5 as of the Closing Date, are less than or
equal to, for any Distribution Date (1) before the sixth
anniversary of the first Distribution Date, 30%, (2) on or after
the sixth anniversary but before the seventh anniversary of the
first Distribution Date, 35%, (3) on or after the seventh
anniversary but before the eighth anniversary of the first
Distribution Date, 40%, (4) on or after the eighth anniversary but
before the ninth anniversary of the first Distribution Date, 45%,
and (5) on or after the ninth anniversary of the first Distribution
Date, 50%,

in which case the Group 1 Senior Prepayment
Percentage, Group 2 Senior Prepayment Percentage, Group 3 Senior
Prepayment Percentage, Group 4 Senior Prepayment Percentage and
Group 5 Senior Prepayment Percentage shall be calculated as
follows: (1) for any such Distribution Date on or after the fifth
anniversary but before the sixth anniversary of the first
Distribution Date, the Group 1 Senior Percentage, Group 2 Senior
Percentage, Group 3 Senior Percentage, Group 4 Senior Percentage or
Group 5 Senior Percentage, as applicable, for such Distribution
Date plus 70% of the Subordinate Percentage for the related Loan
Group for such Distribution Date; (2) for any such Distribution
Date on or after the sixth anniversary but before the seventh
anniversary of the first Distribution Date, the Group 1 Senior
Percentage, Group 2 Senior Percentage, Group 3 Senior Percentage,
Group 4 Senior Percentage or Group 5 Senior Percentage, as
applicable, for such Distribution Date plus 60% of the Subordinate
Percentage for the related Loan Group for such Distribution Date;
(3) for any such Distribution Date on or after the seventh
anniversary but before the eighth anniversary of the first
Distribution Date, the Group 1 Senior Percentage, Group 2 Senior
Percentage, Group 3 Senior Percentage, Group 4 Senior Percentage or
Group 5 Senior Percentage, as applicable, for such Distribution
Date plus 40% of the Subordinate Percentage for the related Loan
Group for such Distribution Date; (4) for any such Distribution
Date on or after the eighth anniversary but before the ninth
anniversary of the first Distribution Date, the Group 1 Senior
Percentage, Group 2 Senior Percentage, Group 3 Senior Percentage,
Group 4 Senior Percentage or Group 5 Senior Percentage, as
applicable, for such Distribution Date plus 20% of the Subordinate
Percentage for the related Loan Group for such Distribution Date;
and (5) for any such Distribution Date thereafter, the Group 1
Senior Percentage, Group 2 Senior Percentage, Group 3 Senior
Percentage, Group 4 Senior Percentage or Group 5 Senior Percentage,
as applicable, for such Distribution Date.

If on
any Distribution Date the allocation to the Group 1-A-L, Group
2-A-L, Group 3-A-L, Group 4-A-L or Group 5-A-L Regular Interests of
Principal Prepayments in the percentage required would reduce the
Class Principal Balance of such Regular Interests below zero, the
Group 1 Senior Prepayment Percentage, Group 2 Senior Prepayment
Percentage, Group 3 Senior Prepayment Percentage, Group 4 Senior
Prepayment Percentage and Group 5 Senior Prepayment Percentage, as
applicable, for such Distribution Date shall be limited to the
percentage necessary to reduce such Class Principal Balance to
zero. Notwithstanding the foregoing, however, on each Distribution
Date, (a) the Class C-P-L Regular Interest shall receive the
applicable (i) Class 1-P Fraction of all principal payments,
including, without limitation, Principal Prepayments, received in
respect of Class 1-P Mortgage Loans and (ii) Class 5-P
Fraction of all principal payments, including, without limitation,
Principal Prepayments, received in respect of Class 5-P Mortgage
Loans, and (b) the Class D-P-L Regular Interest shall receive the
applicable (i) Class 2-P Fraction of all principal payments,
including, without limitation, Principal Prepayments, received in
respect of Class 2-P Mortgage Loans and (ii) Class 4-P Fraction of
all principal payments, including, without limitation, Principal
Prepayments, received in respect of Class 4-P Mortgage
Loans.

Group 1 Senior Principal Distribution
Amount: For any Distribution Date, an amount equal to
the sum of (a) the Group 1 Senior Percentage of the Principal
Payment Amount for Loan Group 1 (exclusive of the portion thereof
attributable to principal distributions to the Class C-P-L Regular
Interest pursuant to clauses (I)(a)(i) and (II)(a)(i) of the
definition of “REMIC II Distribution Amount”), (b) the
Group 1 Senior Prepayment Percentage of the Principal Prepayment
Amount for Loan Group 1 (exclusive of the portion thereof
attributable to principal distributions to the Class C-P-L Regular
Interest pursuant to clauses (I)(a)(i) and (II)(a)(i) of the
definition of “REMIC II Distribution Amount”) and (c)
the Group 1 Senior Liquidation Amount.

Group 1 Subordinate Percentage: For
any Distribution Date, the excess of 100% over the Group 1 Senior
Percentage for such date.

Group 1 Subordinate Prepayment
Percentage: For any Distribution Date, the excess of
100% over the Group 1 Senior Prepayment Percentage for such
Distribution Date; provided, however, that if the aggregate
Class Principal Balance of the Group 1-A Certificates and Residual
Certificates has been reduced to zero, then the Group 1 Subordinate
Prepayment Percentage shall equal 100%.

Group 1 Super Lockout Priority
Amount: For any Distribution Date,
the lesser of (i)  99% of the aggregate amount
available for distribution to the Class CB-9-L, Class CB-11-L,
Class CB-12-L and Class CB-13-L Regular Interests pursuant to
clause (I)(a)(iv)(B)(II) of the definition of “REMIC II
Distribution Amount” and (ii) the product of (a) the
aggregate amount available for distribution to the Class CB-9-L,
Class CB-11-L, Class CB-12-L and Class CB-13-L Regular Interests
pursuant to clause (I)(a)(iv)(B)(II) of the definition of
“REMIC II Distribution Amount,” (b) a fraction, the
numerator of which is the aggregate Class Principal Balance of the
Class CB-11-L and Class CB-12-L Regular Interests plus $26,156,799,
and the denominator of which is the aggregate Class Principal
Balance of the Class CB-9-L, Class CB-11-L, Class CB-12-L and Class
CB-13-L Regular Interests, and (c) the Step Down Percentage.

Group 1-A Certificates: The Class
CB-1, Class CB-2, Class CB-3, Class CB-4, Class CB-5, Class CB-6,
Class CB-7, Class CB-8, Class CB-9, Class CB-10, Class CB-11, Class
CB-12, Class CB-13, Class CB-14, Class CB-15 and Class CB-16
Certificates.

Group 1-A-L Regular Interests: The
Class CB-1-L, Class CB-3-L, Class CB-5-L, Class CB-6-L, Class
CB-7-L, Class CB-8-L, Class CB-9-L, Class CB-11-L, Class CB-12-L,
Class CB-13-L and Class CB-15-L Regular Interests.

Group 1-L Regular Interests: The Group
1-A-L Regular Interests.

Group 2 Certificates: The Group 2-A
Certificates.

Group 2 Loans:  The Mortgage
Loans designated on the Mortgage Loan Schedule as Group 2
Loans.

Group 2 Premium Rate Mortgage
Loans:  The Group 2 Loans having Pass-Through Rates
greater than or equal to 5.000% per annum.

Group 2 Senior Liquidation Amount: For
any Distribution Date, the sum of (A) the aggregate, for each Group
2 Loan which became a Liquidated Mortgage Loan during the Prior
Period, of the lesser of: (i) the Group 2 Senior Percentage of the
Principal Balance of such Mortgage Loan (exclusive of the Class 2-P
Fraction thereof, with respect to any Class 2-P Mortgage Loan) and
(ii) the Group 2 Senior Prepayment Percentage of the Liquidation
Principal with respect to such Mortgage Loan and (B) the Group 2
Senior Prepayment Percentage of any Subsequent Recoveries for Loan
Group 2 for such Distribution Date.

Group 2 Senior Percentage: For any
Distribution Date, the lesser of (i) 100% and (ii) the Class 2-CB
Principal Balance divided by the aggregate Principal Balance of the
Group 2 Loans (exclusive of the Class 2-P Fraction thereof with
respect to any Class 2-P Mortgage Loan), in each case immediately
before such Distribution Date.

Group 2 Senior Prepayment Percentage:
See the definition of “Group 1 Senior Prepayment Percentage,
Group 2 Senior Prepayment Percentage, Group 3 Senior Prepayment
Percentage, Group 4 Senior Prepayment Percentage or Group 5 Senior
Prepayment Percentage.”

Group 2 Senior Principal Distribution
Amount: For any Distribution Date, an amount equal to
the sum of (a) the Group 2 Senior Percentage of the Principal
Payment Amount for Loan Group 2 (exclusive of the portion thereof
attributable to principal distributions to the Class D-P-L Regular
Interest pursuant to clauses (I)(b)(i) and (II)(b)(i) of the
definition of “REMIC II Distribution Amount”), (b) the
Group 2 Senior Prepayment Percentage of the Principal Prepayment
Amount for Loan Group 2 (exclusive of the portion thereof
attributable to principal distributions to the Class D-P-L Regular
Interest pursuant to clauses (I)(b)(i) and (II)(b)(i) of the
definition of “REMIC II Distribution Amount”) and (c)
the Group 2 Senior Liquidation Amount.

Group 2 Subordinate Percentage: For
any Distribution Date, the excess of 100% over the Group 2 Senior
Percentage for such date.

Group 2 Subordinate Prepayment
Percentage: For any Distribution Date, the excess of
100% over the Group 2 Senior Prepayment Percentage for such
Distribution Date; provided, however, that if the Class 2-CB
Principal Balance has been reduced to zero, then the Group 2
Subordinate Prepayment Percentage shall equal 100%.

Group 2-A Certificates: The Class 2-CB
Certificates.

Group 2-A-L Regular Interest: The
Class 2-CB-L Regular Interest.

Group 2-L Regular Interest: The Group
2-A-L Regular Interest.

Group 3 Certificates: The Group 3-A
Certificates.

Group 3 Loans:  The Mortgage
Loans designated on the Mortgage Loan Schedule as Group 3
Loans.

Group 3 Premium Rate Mortgage
Loans:  The Group 3 Loans having Pass-Through Rates
greater than or equal to 5.500% per annum.

Group 3 Senior Liquidation Amount: For
any Distribution Date, the sum of (A) the aggregate, for each Group
3 Loan which became a Liquidated Mortgage Loan during the Prior
Period, of the lesser of: (i) the Group 3 Senior Percentage of the
Principal Balance of such Mortgage Loan and (ii) the Group 3 Senior
Prepayment Percentage of the Liquidation Principal with respect to
such Mortgage Loan and (B) the Group 3 Senior Prepayment Percentage
of any Subsequent Recoveries for Loan Group 3 for such Distribution
Date.

Group 3 Senior Percentage: For any
Distribution Date, the lesser of (i) 100% and (ii) the Class 3-CB
Principal Balance divided by the aggregate Principal Balance of the
Group 3 Loans, in each case immediately before such Distribution
Date.

Group 3 Senior Prepayment Percentage:
See the definition of “Group 1 Senior Prepayment Percentage,
Group 2 Senior Prepayment Percentage, Group 3 Senior Prepayment
Percentage, Group 4 Senior Prepayment Percentage or Group 5 Senior
Prepayment Percentage.”

Group 3 Senior Principal Distribution
Amount: For any Distribution Date, an amount equal to
the sum of (a) the Group 3 Senior Percentage of the Principal
Payment Amount for Loan Group 3, (b) the Group 3 Senior Prepayment
Percentage of the Principal Prepayment Amount for Loan Group 3 and
(c) the Group 3 Senior Liquidation Amount.

Group 3 Subordinate Percentage: For
any Distribution Date, the excess of 100% over the Group 3 Senior
Percentage for such date.

Group 3 Subordinate Prepayment
Percentage: For any Distribution Date, the excess of
100% over the Group 3 Senior Prepayment Percentage for such
Distribution Date; provided, however, that if the Class 3-CB
Principal Balance has been reduced to zero, then the Group 3
Subordinate Prepayment Percentage shall equal 100%.

Group 3-A Certificates: The Class 3-CB
Certificates.

Group 3-A-L Regular Interest: The
Class 3-CB-L Regular Interest.

Group 3-L Regular Interest: The Group
3-A-L Regular Interest.

Group 4 Certificates: The Group 4-A
Certificates.

Group 4 Loans:  The Mortgage
Loans designated on the Mortgage Loan Schedule as Group 4
Loans.

Group 4 Premium Rate Mortgage
Loans:  The Group 4 Loans having Pass-Through Rates
greater than or equal to 5.500% per annum.

Group 4 Senior Liquidation Amount: For
any Distribution Date, the sum of (A) the aggregate, for each Group
4 Loan which became a Liquidated Mortgage Loan during the Prior
Period, of the lesser of: (i) the Group 4 Senior Percentage of the
Principal Balance of such Mortgage Loan (exclusive of the Class 4-P
Fraction thereof, with respect to any Class 4-P Mortgage Loan) and
(ii) the Group 4 Senior Prepayment Percentage of the Liquidation
Principal with respect to such Mortgage Loan and (B) the Group 4
Senior Prepayment Percentage of any Subsequent Recoveries for Loan
Group 4 for such Distribution Date.

Group 4 Senior Percentage: For any
Distribution Date, the lesser of (i) 100% and (ii) the aggregate
Class Principal Balance of the Group 4-A Certificates divided by
the aggregate Principal Balance of the Group 4 Loans (exclusive of
the Class 4-P Fraction thereof with respect to any Class 4-P
Mortgage Loan), in each case immediately before such Distribution
Date.

Group 4 Senior Prepayment Percentage:
See the definition of “Group 1 Senior Prepayment Percentage,
Group 2 Senior Prepayment Percentage, Group 3 Senior Prepayment
Percentage, Group 4 Senior Prepayment Percentage or Group 5 Senior
Prepayment Percentage.”

Group 4 Senior Principal Distribution
Amount: For any Distribution Date, an amount equal to
the sum of (a) the Group 4 Senior Percentage of the Principal
Payment Amount for Loan Group 4 (exclusive of the portion thereof
attributable to principal distributions to the Class D-P-L Regular
Interest pursuant to clauses (I)(d)(i) and (II)(d)(i) of the
definition of “REMIC II Distribution Amount”), (b) the
Group 4 Senior Prepayment Percentage of the Principal Prepayment
Amount for Loan Group 4 (exclusive of the portion thereof
attributable to principal distributions to the Class D-P-L Regular
Interest pursuant to clauses (I)(d)(i) and (II)(d)(i) of the
definition of “REMIC II Distribution Amount”) and (c)
the Group 4 Senior Liquidation Amount.

Group 4 Subordinate Percentage: For
any Distribution Date, the excess of 100% over the Group 4 Senior
Percentage for such date.

Group 4 Subordinate Prepayment
Percentage: For any Distribution Date, the excess of
100% over the Group 4 Senior Prepayment Percentage for such
Distribution Date; provided, however, that if the aggregate
Class Principal Balance of the Group 4-A Certificates has been
reduced to zero, then the Group 4 Subordinate Prepayment Percentage
shall equal 100%.

Group 4-A Certificates: The Class
4-A-1 and Class 4-A-2 Certificates.

Group 4-A-L Regular Interests: The
Class 4-A-1-L and Class 4-A-2-L Regular Interests.

Group 4-L Regular Interests: The Group
4-A-L Regular Interests.

Group 5 Certificates: The Group 5-A
Certificates.

Group 5 Loans:  The Mortgage
Loans designated on the Mortgage Loan Schedule as Group 5
Loans.

Group 5 Lockout Adjusted
Percentage: (i) For any Distribution
Date occurring before June 2010, 0% and (ii) for any Distribution
Date occurring in or after June 2010, the Group 5 Lockout
Percentage.

Group 5 Lockout Liquidation
Amount: For any Distribution Date,
the aggregate, for each Group 5 Loan which became a Liquidated
Mortgage Loan during the Prior Period, of the lesser of
(i) the Group 5 Lockout Adjusted Percentage of the Principal
Balance of such Mortgage Loan (exclusive of the Class 5-P
Fraction thereof, with respect to any Class 5-P Mortgage Loan) 
and (ii) the Group 5 Lockout Adjusted
Percentage of the Liquidation Principal with respect to such
Mortgage Loan.

Group 5 Lockout Percentage: For any Distribution Date, the lesser of (i) 100% and
(ii) the aggregate Principal Balance of the Class 5-A-1 and Class
5-A-9 Certificates divided by the aggregate Principal Balance of
the Group 5 Loans (exclusive of the Class 5-P Fraction
thereof, with respect to any Class 5-P Mortgage Loan), in each case immediately before such Distribution
Date.

Group 5 Lockout Prepayment
Percentage: For any Distribution
Date, the product of (i) the Group 5 Lockout Percentage and (ii)
the Step Down Percentage.

Group 5 Lockout Priority Amount: For any Distribution Date, the sum of (i) the
Group 5 Lockout Adjusted Percentage of the Principal Payment Amount
for Loan Group 5 (exclusive of the portion thereof
attributable to principal distributions to the Class C-P-L Regular
Interest pursuant to clauses (I)(e)(i) and (II)(e)(i) of the
definition of “REMIC II Distribution Amount”), (ii) the Group 5 Lockout Prepayment Percentage
of the Principal Prepayment Amount for Loan Group 5
(exclusive of the portion thereof attributable to principal
distributions to the Class C-P-L Regular Interest pursuant to
clauses (I)(e)(i) and (II)(e)(i) of the definition of “REMIC
II Distribution Amount”) and
(iii) the Group 5 Lockout Liquidation Amount.

Group 5 Premium Rate Mortgage
Loans:  The Group 5 Loans having Pass-Through Rates
greater than or equal to 5.500% per annum.

Group 5 Senior Liquidation Amount: For
any Distribution Date, the sum of (A) the aggregate, for each Group
5 Loan which became a Liquidated Mortgage Loan during the Prior
Period, of the lesser of: (i) the Group 5 Senior Percentage of the
Principal Balance of such Mortgage Loan (exclusive of the Class 5-P
Fraction thereof, with respect to any Class 5-P Mortgage Loan) and
(ii) the Group 5 Senior Prepayment Percentage of the Liquidation
Principal with respect to such Mortgage Loan and (B) the Group 5
Senior Prepayment Percentage of any Subsequent Recoveries for Loan
Group 5 for such Distribution Date.

Group 5 Senior Percentage: For any
Distribution Date, the lesser of (i) 100% and (ii) the aggregate
Class Principal Balance of the Group 5-A Certificates divided by
the aggregate Principal Balance of the Group 5 Loans (exclusive of
the Class 5-P Fraction thereof with respect to any Class 5-P
Mortgage Loan), in each case immediately before such Distribution
Date.

Group 5 Senior Prepayment Percentage:
See the definition of “Group 1 Senior Prepayment Percentage,
Group 2 Senior Prepayment Percentage, Group 3 Senior Prepayment
Percentage, Group 4 Senior Prepayment Percentage or Group 5 Senior
Prepayment Percentage.”

Group 5 Senior Principal Distribution
Amount: For any Distribution Date, an amount equal to
the sum of (a) the Group 5 Senior Percentage of the Principal
Payment Amount for Loan Group 5 (exclusive of the portion thereof
attributable to principal distributions to the Class C-P-L Regular
Interest pursuant to clauses (I)(e)(i) and (II)(e)(i) of the
definition of “REMIC II Distribution Amount”), (b) the
Group 5 Senior Prepayment Percentage of the Principal Prepayment
Amount for Loan Group 5 (exclusive of the portion thereof
attributable to principal distributions to the Class C-P-L Regular
Interest pursuant to clauses (I)(e)(i) and (II)(e)(i) of the
definition of “REMIC II Distribution Amount”) and (c)
the Group 5 Senior Liquidation Amount.

Group 5 Subordinate Percentage: For
any Distribution Date, the excess of 100% over the Group 5 Senior
Percentage for such date.

Group 5 Subordinate Prepayment
Percentage: For any Distribution Date, the excess of
100% over the Group 5 Senior Prepayment Percentage for such
Distribution Date; provided, however, that if the aggregate
Class Principal Balance of the Group 5-A Certificates has been
reduced to zero, then the Group 5 Subordinate Prepayment Percentage
shall equal 100%.

Group 5 Super Lockout Priority
Amount: For any Distribution Date,
the lesser of (i)  99% of the aggregate amount
available for distribution to the Class 5-A-4-L, Class 5-A-5-L and
Class 5-A-10-L Regular Interests pursuant to clause
(I)(e)(iv)(B)(II) of the definition of “REMIC II Distribution
Amount” and (ii) the product of (a) the aggregate amount
available for distribution to the Class 5-A-4-L, Class 5-A-5-L and
Class 5-A-10-L Regular Interests pursuant to clause
(I)(e)(iv)(B)(II) of the definition of “REMIC II Distribution
Amount,” (b) a fraction, the numerator of which is the
aggregate Class Principal Balance of the Class 5-A-4-L and Class
5-A-10-L Regular Interests plus $6,857,944, and the denominator of
which is the aggregate Class Principal Balance of the Class
5-A-4-L, Class 5-A-5-L and Class 5-A-10-L Regular Interests, and
(c) the Step Down Percentage.

Group 5-A Certificates: The Class
5-A-1, Class 5-A-2, Class 5-A-3, Class 5-A-4, Class 5-A-5, Class
5-A-6, Class 5-A-7, Class 5-A-8, Class 5-A-9 and Class 5-A-10
Certificates.

Group 5-A-L Regular Interests: The
Class 5-A-1-L, Class 5-A-2-L, Class 5-A-4-L, Class 5-A-5-L, Class
5-A-7-L, Class 5-A-8-L, Class 5-A-9-L and Class 5-A-10-L Regular
Interests.

Group 5-L Regular Interests: The Group
5-A-L Regular Interests.

Group I Subordinate Balance:  For
any date of determination, an amount equal to the then outstanding
aggregate Principal Balance of the Group 1, Group 3, Group 4 and
Group 5 Loans reduced by the sum of (i) the aggregate Class
Principal Balance of the Group 1‐A, Group 3-A, Group 4-A,
Group 5-A and Residual Certificates and (ii) the portion of the
Class C-P and Class D-P Certificates attributable to the Group 1,
Group 3, Group 4 and Group 5 Loans.

Group II Subordinate Balance: 
For any date of determination, an amount equal to the then
outstanding aggregate Principal Balance of the Group 2 Loans
reduced by the sum of (i) the aggregate Class Principal Balance of
the Group 2‐A Certificates and (ii) the portion of the Class
D-P Certificates attributable to the Group 2 Loans.

Indirect DTC Participants: Entities
such as banks, brokers, dealers or trust companies, that clear
through or maintain a custodial relationship with a DTC
Participant, either directly or indirectly.

Initial Custodial Agreement:  The
Custodial Agreement, dated the date hereof, among the Trustee, the
Servicer and the Initial Custodian.

Initial Custodian:  Washington Mutual Bank fsb, which has been
designated by the Servicer to be appointed by the Trustee to act as
Custodian with respect to the Mortgage Loans in Washington Mutual
Bank fsb's possession.

Insurance Proceeds: Amounts paid or
payable by the insurer under any Primary Insurance Policy or any
other insurance policy (including any replacement policy permitted
under this Agreement) covering any Mortgage Loan or Mortgaged
Property, including, without limitation, any hazard insurance
policy required pursuant to Section 3.07, any title insurance
policy required pursuant to Section 2.08 and any FHA insurance
policy or VA guaranty, but excluding the Certificate Insurance
Policy.

Insured Amount: For any Distribution
Date and the Insured Certificates, the Deficiency Amount for such
Distribution Date and any Preference Amount.

Insured Certificates: The Class CB-15
Certificates.

Interest Distribution Amount: For any
Distribution Date, for any Class of REMIC I Regular Interests and
REMIC II Regular Interests and for the Class R-1 Residual Interest,
the amount of interest accrued during the Prior Period (or, in the
case of the Class CB-1-L, Class CB-3-L, Class CB-9-L, Class
CB-13-L, Class 5-A-2-L and Class 5-A-5-L Regular Interests, during
the period beginning on the 25th day of the preceding calendar
month and ending on the 24th day of the month of the Distribution
Date), at the related Certificate Interest Rate for such Class for
such Distribution Date, on the respective Class Principal Balance
or Class Notional Amount immediately before such Distribution Date,
reduced by Uncompensated Interest Shortfall and the interest
portion of Realized Losses allocated to such Class on such
Distribution Date pursuant to the definitions of
“Uncompensated Interest Shortfall” and “Realized
Loss,” respectively.  The computation of interest
accrued shall be made on the basis of a 360-day year of twelve
30-day months.  The Interest Distribution Amounts for the
Class P-L Regular Interests shall equal zero.

Interest Transfer Amount: On any
Distribution Date for an Undercollateralized Group, an amount equal
to one month’s interest on the applicable Principal Transfer
Amount at 5.500% per annum if the Undercollateralized Group is Loan
Group 1, Loan Group 3, Loan Group 4 or Loan Group 5 and at 5.000%
if the Undercollateralized Group is Loan Group 2, plus any interest
accrued on the Senior Regular Interests related to such
Undercollateralized Group remaining unpaid from prior Distribution
Dates.

Investment Account: The commingled
account (which shall be commingled only with investment accounts
related to series of pass-through certificates with a class of
certificates which has a rating equal to the highest of the Ratings
of the Certificates) maintained by the Servicer in the trust
department of the Investment Depository pursuant to Section 3.03
and which bears a designation acceptable to the Rating
Agencies.

Investment Depository: JPMorgan Chase
Bank, or another bank or trust company designated from time to time
by the Servicer. The Investment Depository shall at all times be an
Eligible Institution.

Junior Subordinate Certificates: The
Class B-4, Class B-5 and Class B-6 Certificates.

Last Scheduled Distribution
Date: With respect to any Class of Certificates
(other than the Group 2-A, Group 3-A and Group 4-A Certificates),
the Final Maturity Date for such Class; and for the Group 2-A,
Group 3-A and Group 4-A Certificates, June 2020.

Lender: An institution from which the
Company purchased any Mortgage Loans pursuant to a Selling and
Servicing Contract.

LIBOR: The
London Interbank Offered Rate for one-month United States dollar
deposits calculated in the manner described in
Section 3.19.

LIBOR Determination Date: With respect to interest paid on any Distribution Date,
the second day on which banks in London and New York City are open
for conducting transactions in foreign currency and exchange prior
to the 25th day of the month preceding the Distribution
Date.

Living Holder: A Beneficial Holder of
a Special Retail Certificate other than a Deceased Holder.

Liquidated Mortgage Loan: A Mortgage
Loan (other than a Mortgage Loan with respect to which a Payoff has
been made) for which the Servicer has determined in accordance with
its customary servicing practices that it has received all amounts
which it expects to recover from or on account of such Mortgage
Loan, whether from Insurance Proceeds, Liquidation Proceeds or
otherwise. For purposes of this definition, acquisition of a
Mortgaged Property by the Trust shall not constitute final
liquidation of the related Mortgage Loan.

Liquidation Principal: The principal
portion of Liquidation Proceeds received (exclusive of the portion
thereof attributable to distributions to the Class P-L Regular
Interests pursuant to clauses (I)(a)(i), (I)(b)(i), (I)(d)(i),
(I)(e)(i), (II)(a)(i), (II)(b)(i), (II)(d)(i) and (II)(e)(i) of the
definition of “REMIC I Distribution Amount”) with
respect to each Mortgage Loan which became a Liquidated Mortgage
Loan (but not in excess of the principal balance thereof) during
the Prior Period.

Liquidation Proceeds: Amounts after
deduction of amounts reimbursable under Section 3.05(a)(i) and (ii)
received and retained in connection with the liquidation of
defaulted Mortgage Loans, whether through foreclosure or otherwise,
other than any Subsequent Recoveries.

Loan Group: Loan Group 1, Loan Group
2, Loan Group 3, Loan Group 4 or Loan Group 5, as applicable.

Loan Group 1: The group of Mortgage
Loans comprised of the Group 1 Loans.

Loan Group 2: The
group of Mortgage Loans comprised of the Group 2 Loans.

Loan Group 3: The group of Mortgage
Loans comprised of the Group 3 Loans.

Loan Group 4: The group of Mortgage
Loans comprised of the Group 4 Loans.

Loan Group 5: The group of Mortgage
Loans comprised of the Group 5 Loans.

Loan-to-Value Ratio: The original
principal amount of a Mortgage Loan divided by the Original Value;
provided, however, that references to “current
Loan-to-Value Ratio” or “Loan-to-Value Ratio as of the
Cut-Off Date” in Section 2.08 shall be deemed to mean the
then current Principal Balance of a Mortgage Loan divided by the
Original Value.

Lowest Class B Owner: An owner
unaffiliated with the Company or the Servicer of (i) a 100%
interest in the Class of Class B Certificates with the lowest
priority or (ii) a 100% interest in a class of securities
representing such interest in such Class specified in clause (i)
above.

MERS: Mortgage Electronic Registration
Systems, Inc., a Delaware corporation, or any successor
thereto.

MERS Loan: Any Mortgage Loan
registered on the MERS® System for which MERS appears as the
mortgagee of record on the Mortgage or on an assignment
thereof.

MERS® System: The system of
electronically recording transfers of Mortgages maintained by
MERS.

MIN: The Mortgage Identification
Number for a MERS Loan.

MOM Loan: A Mortgage Loan that was
registered on the MERS® System at the time of origination
thereof and for which MERS appears as the mortgagee of record on
the Mortgage.

Monthly P&I Advance: An advance of
funds by the Servicer pursuant to Section 4.02 to cover delinquent
principal and interest installments.

Monthly Payment: The scheduled payment
of principal and interest on a Mortgage Loan (including any amounts
due from a Buydown Fund, if any) which is due on the related Due
Date for such Mortgage Loan.

Moody’s:  Moody’s
Investors Service, Inc., provided that at any time it be a Rating
Agency.

Mortgage: The mortgage, deed of trust
or other instrument securing a Mortgage Note.

Mortgage File: The following documents
or instruments with respect to each Mortgage Loan transferred and
assigned by the Company pursuant to Section 2.04, (X) with respect
to each Mortgage Loan that is not a Cooperative Loan:

(i)                 
The original Mortgage Note endorsed (A) in blank, without recourse,
or (B) to “LaSalle Bank National Association, as
Custodian/Trustee, without recourse” or to “Washington
Mutual Mortgage Pass-Through Certificates WMALT Series 2005-4
Trust, without recourse” and all intervening endorsements
evidencing a complete chain of endorsements from the originator to
the Trustee or the Trust, as applicable, or, in the event of any
Destroyed Mortgage Note, a copy or a duplicate original of the
Mortgage Note (or portion thereof, as applicable), together with an
original lost note affidavit from the originator of the Mortgage
Loan or the Company (or any affiliate of the Company from which the
Company acquired the Mortgage Loan), as applicable, stating that
the original Mortgage Note (or portion thereof, as applicable) was
lost, misplaced or destroyed, together with a copy of the Mortgage
Note (or portion thereof, as applicable); provided, however,
that in the event the Company acquired the Mortgage Loan from an
affiliate of the Company, then the Mortgage Note (or portion
thereof, as applicable) need not be endorsed in blank or to LaSalle
Bank National Association or the Trust as provided above (but, if
not so endorsed, shall be made payable to, or endorsed by the
mortgagee named therein to, such affiliate of the Company);

(ii)               
The Buydown Agreement, if applicable;

(iii)              
A Mortgage that is either

(1)        (x)
the original recorded Mortgage with evidence of recording thereon
for the jurisdiction in which the Mortgaged Property is located
(which original recorded Mortgage, in the case of a MOM Loan, shall
set forth the MIN and shall indicate that the Mortgage Loan is a
MOM Loan), (y) unless the Mortgage Loan is a MERS Loan, an original
Mortgage assignment thereof duly executed and acknowledged in
recordable form (A) in blank or (B) to “LaSalle Bank National
Association, as Custodian/Trustee,” or to “Washington
Mutual Mortgage Pass-Through Certificates WMALT Series 2005-4
Trust,” and (z) unless the Mortgage Loan is a MOM Loan,
recorded originals of all intervening assignments evidencing a
complete chain of assignment, from the originator to the name
holder or the payee endorsing the related Mortgage Note (or, in the
case of a MERS Loan other than a MOM Loan, from the originator to
MERS); or

(2)        (x)
a copy (which may be in electronic form) of the Mortgage (which
Mortgage, in the case of a MOM Loan, shall set forth the MIN and
shall indicate that the Mortgage Loan is a MOM Loan) which
represents a true and correct reproduction of the original Mortgage
and which has either been certified (i) on the face thereof by the
public recording office in the appropriate jurisdiction in which
the Mortgaged Property is located, or (ii) by the originator, the
related Lender or the escrow or title company which provided
closing services in connection with such Mortgage Loan as a true
and correct copy the original of which has been sent for
recordation, (y) unless the Mortgage Loan is a MERS Loan, an
original Mortgage assignment thereof duly executed and acknowledged
in recordable form (A) in blank or (B) to “LaSalle Bank
National Association, as Custodian/Trustee,” or to
“Washington Mutual Mortgage Pass-Through Certificates WMALT
Series 2005-4 Trust,” and (z) unless the Mortgage Loan is a
MOM Loan, true and correct copies, certified by the applicable
county recorder or by the originator or Lender as described above,
of all intervening assignments evidencing a complete chain of
assignment from the originator to the name holder or the payee
endorsing the related Mortgage Note (or, in the case of a MERS Loan
other than a MOM Loan, from the originator to MERS);

provided,
however, that in the event the Company acquired the
Mortgage Loan from an affiliate of the Company, then the Mortgage
File need not include a Mortgage assignment executed in blank or to
LaSalle Bank National Association or the Trust as provided in
clause (X)(iii)(1)(y) or (X)(iii)(2)(y) above, as applicable (but
the Mortgage File shall, unless the Mortgage Loan was originated by
such affiliate of the Company, include an intervening Mortgage
assignment to such affiliate as provided in clause (X)(iii)(1)(z)
or (X)(iii)(2)(z) above, as applicable); and

(iv)             
For any Mortgage Loan that has been modified or amended, the
original instrument or instruments effecting such modification or
amendment;

and (Y) with respect to each Cooperative
Loan:

(i)                 
the original Mortgage Note endorsed (A) in blank, without recourse,
or (B) to “LaSalle Bank National Association, as
Custodian/Trustee, without recourse” or to “Washington
Mutual Mortgage Pass-Through Certificates WMALT Series 2005-4
Trust, without recourse” and all intervening endorsements
evidencing a complete chain of endorsements, from the originator to
the Trustee or the Trust, as applicable, or, in the event of any
Destroyed Mortgage Note, a copy or a duplicate original of the
Mortgage Note (or portion thereof, as applicable), together with an
original lost note affidavit from the originator of the Cooperative
Loan or the Company (or any affiliate of the Company from which the
Company acquired the Mortgage Loan), as applicable, stating that
the original Mortgage Note (or portion thereof, as applicable) was
lost, misplaced or destroyed, together with a copy of the Mortgage
Note (or portion thereof, as applicable); provided, however,
that in the event the Company acquired the Cooperative Loan from an
affiliate of the Company, then the Mortgage Note need not be
endorsed in blank or to LaSalle Bank National Association or the
Trust as provided above (but, if not so endorsed, shall be made
payable to, or endorsed by the originator or successor lender named
therein to, such affiliate of the Company);

(ii)               
A counterpart of the Cooperative Lease and the Assignment of
Proprietary Lease to the originator of the Cooperative
Loan;

(iii)              
The related Cooperative Stock Certificate, representing the related
Cooperative Stock pledged with respect to such Cooperative Loan,
together with an undated stock power (or other similar instrument)
executed in blank;

(iv)             
The Recognition Agreement;

(v)               
The Security Agreement;

(vi)             
Copies of the original UCC financing statement, and any
continuation statements, filed by the originator of such
Cooperative Loan as secured party, each with evidence of recording
thereof, evidencing the interest of the originator under the
Security Agreement and the Assignment of Proprietary Lease;

(vii)            
Copies of the filed UCC assignments or amendments of the security
interest referenced in clause (vi) above showing an unbroken chain
of title from the originator to the Trust, each with evidence of
recording thereof, evidencing the interest of the assignee under
the Security Agreement and the Assignment of Proprietary
Lease;

(viii)          
An executed assignment of the interest of the originator in the
Security Agreement, the Assignment of Proprietary Lease and the
Recognition Agreement, showing an unbroken chain of title from the
originator to the Trust; and

(ix)             
For any Cooperative Loan that has been modified or amended, the
original instrument or instruments effecting such modification or
amendment;

provided,
however, that in the event the Company acquired the
Cooperative Loan from an affiliate of the Company, then the
Mortgage File need not include (1) a UCC assignment or amendment of
the security interest referenced in clause (Y)(vi) above to the
Trust as provided in clause (Y)(vii) above (but the Mortgage File
shall, unless the Cooperative Loan was originated by such affiliate
of the Company, include a UCC assignment or amendment of such
security interest to such affiliate) or (2) an assignment of the
interest of the originator in the Security Agreement, the
Assignment of Proprietary Lease and the Recognition Agreement to
the Trust as provided in clause (Y)(viii) above (but the Mortgage
File shall, unless the Cooperative Loan was originated by such
affiliate of the Company, include an assignment of such interest to
such affiliate).

Mortgage Interest Rate: For any
Mortgage Loan, the per annum rate at which interest accrues on such
Mortgage Loan pursuant to the terms of the related Mortgage
Note.

Mortgage Loan Schedule: The schedule,
as amended from time to time, of Mortgage Loans attached hereto as
Exhibit D, which shall set forth as to each Mortgage Loan the
following, among other things:

(i)                 
its loan number,

(ii)               
the address of the Mortgaged Property,

(iii)              
the name of the Mortgagor,

(iv)             
the Original Value of the property subject to the Mortgage,

(v)               
the Principal Balance as of the Cut-Off Date,

(vi)             
the Mortgage Interest Rate borne by the Mortgage Note,

(vii)            
whether a Primary Insurance Policy is in effect as of the Cut-Off
Date, and, if so, whether such Primary Insurance Policy is a
Special Primary Insurance Policy,

(viii)          
the maturity of the Mortgage Note,

(ix)             
the Servicing Fee Rate,

(x)               
its Loan Group, and

(xi)             
whether it imposes penalties for early prepayments.

Mortgage Loans: The mortgage loans and
cooperative loans (if any) listed on the Mortgage Loan Schedule and
transferred and assigned to the Trust pursuant hereto. With respect
to each Mortgage Loan that is a Cooperative Loan, “Mortgage
Loan” shall include, but not be limited to, the Mortgage
Note, Security Agreement, Assignment of Proprietary Lease,
Recognition Agreement, Cooperative Stock Certificate and
Cooperative Lease and, with respect to each Mortgage Loan other
than a Cooperative Loan, “Mortgage Loan” shall include,
but not be limited to the Mortgage Note and the related
Mortgage.

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

Mortgage Pool: All of the Mortgage
Loans.

Mortgage Pool Assets: (i) The Mortgage
Loans (including all Substitute Mortgage Loans) identified on the
Mortgage Loan Schedule, and all rights pertaining thereto,
including the related Mortgage Notes, Mortgages, Cooperative Stock
Certificates, Cooperative Leases, Security Agreements, Assignments
of Proprietary Lease, and Recognition Agreements, and all payments
and distributions with respect to the Mortgage Loans payable on and
after the Cut-Off Date; (ii) the Certificate Account, the
Investment Account, the Class CB-15 Reserve Fund, the Rounding
Accounts, and all money, instruments, investment property, and
other property credited thereto, carried therein, or deposited
therein (except amounts constituting the Servicing Fee);
(iii) the Custodial Accounts for P&I, the Custodial
Accounts for Reserves, any Buydown Fund Account (to the extent of
the amounts on deposit or other property therein attributable to
the Mortgage Loans), and all money, instruments, investment
property, and other property credited thereto, carried therein, or
deposited therein (except amounts constituting the Servicing Fee);
(iv) all property that secured a Mortgage Loan and that has been
acquired by foreclosure or deed in lieu of foreclosure or, in the
case of a Cooperative Loan, a similar form of conversion, after the
Cut-Off Date; and (v) the Certificate Insurance Policy and each FHA
insurance policy, Primary Insurance Policy, VA guaranty, and other
insurance policy related to any Mortgage Loan, and all amounts paid
or payable thereunder and all proceeds thereof.

Mortgaged Property: With respect to
any Mortgage Loan, other than a Cooperative Loan, the real
property, together with improvements thereto, and, with respect to
any Cooperative Loan, the related Cooperative Stock and Cooperative
Lease, securing the indebtedness of the Mortgagor under the related
Mortgage Loan.  “Mortgaged Property” shall also
refer to property which once secured the indebtedness of a
Mortgagor under the related Mortgage Loan but which was acquired by
the Trust upon foreclosure or other liquidation of such Mortgage
Loan.

Mortgagor: The obligor on a Mortgage
Note.

Nonrecoverable Advance: With respect
to any Mortgage Loan, any advance which the Servicer shall
determine to be a Nonrecoverable Advance pursuant to Section 4.03
and which was, or is proposed to be, made by the Servicer.

Non-U.S. Person: A Person that is not
a U.S. Person.

Notice Addresses: (a) In the case of
the Company, 75 North Fairway Drive, Vernon Hills, Illinois 60061,
Attention: Servicing Department, with a copy to: Washington Mutual
Legal Department, 1201 Third Avenue, WMT 1706, Seattle, WA 98101,
Attention: WMMSC, or such other address as may hereafter be
furnished to the Trustee in writing by the Company, (b) in the case
of the Servicer, 19850 Plummer St. (Mail Stop N070205) Chatsworth,
California 91311, Fax No: (818) 775-2815, Attention: Vice President
Investor Reporting, with a copy to: Washington Mutual Legal
Department, 1201 Third Avenue, WMT 1706, Seattle, WA 98101, Fax No:
(206) 377-6244, Attention: WaMu, or such other address and fax
number as may hereafter be furnished in writing by the Servicer,
(c) in the case of the Trustee, at its Corporate Trust Office, or
such other address as may hereafter be furnished to the Servicer in
writing by the Trustee, (d) in the case of the Delaware Trustee,
1314 King Street, Wilmington, DE  19801, or such other address
as may hereafter be furnished to the Servicer in writing by the
Delaware Trustee, (e) in the case of the Trust, c/o LaSalle Bank
National Association, at the Corporate Trust Office, or such other
address as may hereafter be furnished to the Servicer in writing by
the Trustee, (f) in the case of the Certificate Registrar, at its
Corporate Trust Office, or such other address as may hereafter be
furnished to the Trustee in writing by the Certificate Registrar,
(g) in the case of S&P, 55 Water Street, 41st Floor, New York,
New York 10041-0003, Attention:  Frank Raiter, or such other
address as may hereafter be furnished to the Trustee and Servicer
in writing by S&P, (h) in the case of Moody’s, 99 Church
Street, New York, New York 10007, Attention:  Monitoring, or
such other address as may hereafter be furnished to the Trustee and
Master Servicer in writing by Moody’s and (i) in the case of
the Certificate Insurer, 1325 Avenue of the Americas, New York, New
York 10019, Attention: Risk Management and General Counsel, or such
other address as may hereafter be furnished to the Trustee and the
Servicer in writing by the Certificate Insurer.

Notice of Claim: With respect to the
Insured Certificates, a notice of claim in the form of Exhibit A
attached to the Certificate Insurance Policy, from the Trustee to
the Certificate Insurer specifying the Insured Amount which shall
be due and owing on the applicable Distribution Date.

OTS: The Office of Thrift Supervision,
or any successor thereto.

Officer’s Certificate: A
certificate signed by the Chairman of the Board, the President, a
Vice President, or the Treasurer of the Servicer and delivered to
the Trustee, the Delaware Trustee or the Certificate Insurer, as
applicable.

Opinion of Counsel: A written opinion
of counsel, who shall be reasonably acceptable to the Trustee or
the Delaware Trustee, as applicable, and who may be counsel
(including in-house counsel) for the Company or the Servicer.

Order: A final nonappealable order of
a court or other body exercising jurisdiction in an Insolvency
Proceeding (as defined in the Certificate Insurance Policy) by or
against the Trust, to the effect that a Holder or the Beneficiary
(as defined in the Certificate Insurance Policy) is required to
return or repay all or any portion of a Preference Amount.

Original Trust Agreement: The Trust
Agreement, dated as of May 1, 2005, between the Company and the
Delaware Trustee, providing for the creation of the Trust.

Original Value: With respect to any
Mortgage Loan other than a Mortgage Loan originated for the purpose
of refinancing an existing mortgage debt, the lesser of (a) the
Appraised Value (if any) of the Mortgaged Property at the time the
Mortgage Loan was originated or (b) the purchase price paid for the
Mortgaged Property by the Mortgagor. With respect to a Mortgage
Loan originated for the purpose of refinancing existing mortgage
debt, the Original Value shall be equal to the Appraised Value of
the Mortgaged Property.

Overcollateralized Group: Any of Loan
Group 1, Loan Group 2, Loan Group 3, Loan Group 4 or Loan
Group 5, if on any Distribution Date such Loan Group is not an
Undercollateralized Group and any other Loan Group is an
Undercollateralized Group.

Ownership Interest:  With respect
to any Residual Certificate, any ownership or security interest in
such Residual Certificate, including any interest in a Residual
Certificate as the Holder thereof and any other interest therein
whether direct or indirect, legal or beneficial, as owner or as
pledgee.

Pass-Through Entity:  Any
regulated investment company, real estate investment trust, common
trust fund, partnership, trust or estate, and any organization to
which Section 1381 of the Code applies.

Pass-Through Rate: For each Mortgage
Loan, the Mortgage Interest Rate for such Mortgage Loan less (i)
the Servicing Fee Rate for such Mortgage Loan and (ii) if such
Mortgage Loan was covered by a Special Primary Insurance Policy on
the Closing Date (even if no longer so covered), the per annum rate
at which the applicable Special Primary Insurance Premium for such
Mortgage Loan is calculated. For each Mortgage Loan, any
calculation of monthly interest at such rate shall be based upon
annual interest at such rate (computed on the basis of a 360-day
year of twelve 30-day months) on the unpaid Principal Balance of
such Mortgage Loan divided by twelve, and any calculation of
interest at such rate by reason of a Payoff shall be based upon
annual interest at such rate on the outstanding Principal Balance
of such Mortgage Loan multiplied by a fraction, the numerator of
which is the number of days elapsed from the Due Date of the last
scheduled payment of principal and interest to, but not including,
the date of such Payoff, and the denominator of which is (a) for
Payoffs received on a Due Date, 360, and (b) for all other Payoffs,
365.

Paying Agent: Any paying agent
appointed by the Trustee pursuant to Section 8.12.

Payoff: Any Mortgagor payment of
principal on a Mortgage Loan equal to the entire outstanding
Principal Balance of such Mortgage Loan, if received in advance of
the last scheduled Due Date for such Mortgage Loan and accompanied
by an amount of interest equal to accrued unpaid interest on the
Mortgage Loan to the date of such payment-in-full. 
(Prepayment penalties are not payments of principal and hence
Payoffs do not include prepayment penalties.)

Payoff Earnings: For any Distribution
Date with respect to each Mortgage Loan on which a Payoff was
received by the Servicer during the Payoff Period, the aggregate of
the interest earned by the Servicer from investment of each such
Payoff from the date of receipt of such Payoff until the Business
Day immediately preceding the related Distribution Date (net of
investment losses).

Payoff Interest: For any Distribution
Date with respect to a Mortgage Loan for which a Payoff was
received on or after the first calendar day of the month of such
Distribution Date and before the 15th calendar day of such month,
an amount of interest thereon at the applicable Pass-Through Rate
from the first day of the month of distribution through the day of
receipt thereof; to the extent (together with Payoff Earnings and
the aggregate Servicing Fee) not required to be distributed as
Compensating Interest on such Distribution Date, Payoff Interest
shall be payable to the Servicer as additional servicing
compensation.

Payoff Period: For the first
Distribution Date, the period from the Cut-Off Date through June
14, 2005, inclusive; and for any Distribution Date thereafter, the
period from the 15th day of the Prior Period through the 14th day
of the month of such Distribution Date, inclusive.

Percentage Interest:  (a) 
With respect to the right of each Certificate of a particular Class
in the distributions allocated to such Class, “Percentage
Interest” shall mean the percentage equal to:

(i)                 
with respect to any Certificate (other than the Residual, Class
CB-2, Class CB-4, Class CB-10, Class CB-14, Class CB-16, Class
5-A-3, Class 5-A-6, Class C-X and Class D-X Certificates), its
Certificate Principal Balance divided by the applicable Class
Principal Balance;

(ii)               
with respect to any Class CB-2, Class CB-4, Class CB-10, Class
CB-14, Class CB-16, Class 5-A-3, Class 5-A-6, Class C-X or Class
D-X Certificate, the portion of the respective Class Notional
Amount evidenced by such Certificate divided by the respective
Class Notional Amount; and

(iii)              
with respect to any Residual Certificate, the percentage set forth
on the face of such Certificate.

(b)       
With respect to the rights of each Certificate in connection with
Sections 5.09, 7.01, 8.01(c), 8.02, 8.07, 10.01 and 10.03,
“Percentage Interest” shall mean the percentage equal
to:

(i)                 
with respect to any Certificate (other than the Residual, Class
CB-2, Class CB-4, Class CB-10, Class CB-14, Class CB-16, Class
5-A-3, Class 5-A-6, Class C-X and Class D-X Certificates), the
product of (x) ninety-one percent (91%) and (y) its Certificate
Principal Balance divided by the Aggregate Certificate Principal
Balance of the Certificates; provided, however, that the
percentage in clause (x) above shall be increased by one percent
(1%) upon the retirement of each Class of Certificates referenced
in the parenthetical above (other than the Residual
Certificates).

(ii)               
with respect to each Class CB-2, Class CB-4, Class CB-10, Class
CB-14, Class CB-16, Class 5-A-3, Class 5-A-6, Class C-X or Class
D-X Certificate, one percent (1%) of such Certificate’s
Percentage Interest as calculated by paragraph (a)(ii) of this
definition; and

(iii)              
with respect to any Residual Certificate, zero.

Permitted Transferee: With respect to
the holding or ownership of any Residual Certificate, any Person
other than (i) the United States, a State or any political
subdivision thereof, or any agency or instrumentality of any of the
foregoing, (ii) a foreign government, International Organization or
any agency or instrumentality of either of the foregoing, (iii) an
organization (except certain farmers’ cooperatives described
in Code Section 521) which is exempt from the taxes imposed by
Chapter 1 of the Code (unless such organization is subject to the
tax imposed by Section 511 of the Code on unrelated business
taxable income), (iv) rural electric and telephone cooperatives
described in Code Section 1381(a)(2)(C), (v) any “electing
large partnership” as defined in Section 775(a) of the Code,
(vi) any Person from whom the Trustee has not received an affidavit
to the effect that it is not a “disqualified
organization” within the meaning of Section 860E(e)(5) of the
Code, and (vii) any other Person so designated by the Company based
upon an Opinion of Counsel that the transfer of an Ownership
Interest in a Residual Certificate to such Person may cause REMIC
I, REMIC II or REMIC III to fail to qualify as a REMIC at any time
that the Certificates are outstanding. The terms “United
States,” “State” and “International
Organization” shall have the meanings set forth in Code
Section 7701 or successor provisions. A corporation shall not be
treated as an instrumentality of the United States or of any State
or political subdivision thereof if all of its activities are
subject to tax, and, with the exception of the Freddie Mac, a
majority of its board of directors is not selected by such
governmental unit.

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

Preference Amount: Any payment of
principal or interest previously distributed by or on behalf of the
Trust to a Holder of Insured Certificates, which would have been
covered under the Certificate Insurance Policy as a Deficiency Amount if there had been a shortfall in
funds available to make such payment on the required Distribution
Date for such payment, which has been deemed a preferential
transfer and has been recovered from such Holder pursuant to the
United States Bankruptcy Code in accordance with an Order.

Premium Letter: The premium letter,
dated May 25, 2005, delivered by the Trust to the Certificate
Insurer.

Prepaid Monthly Payment: Any Monthly
Payment received prior to its scheduled Due Date, which is intended
to be applied to a Mortgage Loan on its scheduled Due Date and held
in the related Custodial Account for P&I until the Withdrawal
Date following its scheduled Due Date.

Primary Insurance Policy: A policy of
mortgage guaranty insurance, if any, on an individual Mortgage Loan
or on pools of mortgage loans that include an individual Mortgage
Loan, providing coverage as required by Section 2.08(xi) (including
any Special Primary Insurance Policy).

Principal Balance: Except as used in
Sections 2.07, 3.09 and 9.01 and for purposes of the definition of
Purchase Price, at the time of any determination, the principal
balance of a Mortgage Loan remaining to be paid at the close of
business on the Cut‐Off Date, after application of all
scheduled principal payments due on or before the Cut‐Off
Date, whether or not received, reduced by all amounts distributed
or (except when such determination occurs earlier in the month than
the Distribution Date) to be distributed to Certificateholders
through the Distribution Date in the month of determination that
are reported as allocable to principal of such Mortgage Loan.

For
purposes of the definition of Purchase Price and as used in
Sections 2.07, 3.09 and 9.01, at the time of any determination, the
principal balance of a Mortgage Loan remaining to be paid at the
close of business on the Cut-Off Date, after deduction of all
scheduled principal payments due on or before the Cut-Off Date,
whether or not received, reduced by all amounts distributed or to
be distributed to Certificateholders through the Distribution Date
in the month of determination that are reported as allocable to
principal of such Mortgage Loan.

In the
case of a Substitute Mortgage Loan, “Principal Balance”
shall mean, at the time of any determination, the principal balance
of such Substitute Mortgage Loan transferred to the Trust, on the
date of substitution, reduced by all amounts distributed or to be
distributed to Certificateholders through the Distribution Date in
the month of determination that are reported as allocable to
principal of such Substitute Mortgage Loan.

The
Principal Balance of a Mortgage Loan (including a Substitute
Mortgage Loan) shall not be adjusted solely by reason of any
bankruptcy or similar proceeding or any moratorium or similar
waiver or grace period. Whenever a Realized Loss has been incurred
with respect to a Mortgage Loan during a calendar month, the
Principal Balance of such Mortgage Loan shall be reduced by the
amount of such Realized Loss as of the Due Date next following the
end of such calendar month.

Principal Payment: Any payment of
principal on a Mortgage Loan other than a Principal Prepayment.

Principal Payment Amount: For any
Distribution Date and for any Loan Group, the sum with respect to
the Mortgage Loans in such Loan Group of (i) the scheduled
principal payments on the Mortgage Loans due on the related Due
Date, (ii) the principal portion of proceeds received with respect
to any Mortgage Loan which was purchased or repurchased pursuant to
a Purchase Obligation or as permitted by this Agreement during the
Prior Period and (iii) any other unscheduled payments of principal
which were received with respect to any Mortgage Loan during the
Prior Period, other than Payoffs, Curtailments, Liquidation
Principal and Subsequent Recoveries.

Principal Prepayment: Any payment of
principal on a Mortgage Loan which constitutes a Payoff or a
Curtailment.

Principal Prepayment Amount: For any
Distribution Date and for any Loan Group, the sum with respect to
the Mortgage Loans in such Loan Group of (i) Curtailments received
during the Prior Period from such Mortgage Loans and (ii) Payoffs
received during the Payoff Period from such Mortgage Loans.

Principal Transfer Amount: For any
Distribution Date for an Undercollateralized Group, the excess, if
any, of the aggregate Class Principal Balance of the Class A
Certificates related to such Undercollateralized Group (plus, in
the case of Loan Group 1, any Class CB-15 Reimbursement Amount)
over the aggregate Principal Balance of the Mortgage Loans in such
Loan Group (less the applicable Class P Fraction thereof with
respect to any Class P Mortgage Loans in such Loan Group), in each
case immediately prior to such Distribution Date.

Prior Period: With respect to any
Distribution Date, the calendar month immediately preceding such
Distribution Date.

Prospectus:  The
Prospectus, dated April 20, 2005, and the Prospectus Supplement,
dated May 23, 2005, of the Company.

Purchase Obligation: An obligation of
the Company to repurchase Mortgage Loans under the circumstances
and in the manner provided in Section 2.07 or Section 2.08.

Purchase Price: With respect to any
Mortgage Loan to be purchased pursuant to a Purchase Obligation, an
amount equal to the sum of (i) the Principal Balance thereof, (ii)
unpaid accrued interest thereon, if any, during the calendar month
in which the date of purchase occurs to the last day of such month
at a rate equal to the applicable Pass-Through Rate and (iii) with
respect to any Mortgage Loan to be purchased pursuant to Section
2.08, any costs and damages incurred by the Trust in connection
with any violation by such Mortgage Loan of any predatory and
abusive lending laws, to the extent such costs and damages result
from a breach of the representation and warranty made by the
Company pursuant to clause (viii) of Section 2.08; provided,
however, that to the extent that such costs and damages
constitute a set-off against the principal balance of the Mortgage
Loan, such costs and damages will not be paid pursuant to this
clause (iii), and the amount paid pursuant to clause (i) above will
be calculated without regard to such set-off; provided,
further, that no Mortgage Loan shall be purchased or
required to be purchased pursuant to Section 2.08, or more than two
years after the Closing Date under Section 2.07, unless (a) the
Mortgage Loan to be purchased is in default, or default is in the
judgment of the Company reasonably imminent, or (b) the Company, at
its expense, delivers to the Trustee an Opinion of Counsel
addressed to the Trust and the Trustee to the effect that the
purchase of such Mortgage Loan will not give rise to a tax on a
prohibited transaction, as defined in Section 860F(a) of the
Code.

Random Lot: With respect to any
Distribution Date on which a mandatory distribution is to be made
on the Special Retail Certificates (as described in Section 4.07),
the method by which DTC will determine which Special Retail
Certificates will be paid principal, using its established random
lot procedures or, if such Certificates are no longer represented
by a Book-Entry Certificate, using the Trustee’s
procedures.

Rating Agency: Initially, each of
S&P and Moody’s and thereafter, each nationally
recognized statistical rating organization that has rated the
Certificates at the request of the Company, or their respective
successors in interest.

Ratings: As of any date of
determination, the ratings, if any, of the Certificates as assigned
by the applicable Rating Agencies.

Realized Loss: For any Distribution
Date, with respect to any Mortgage Loan which became a Liquidated
Mortgage Loan during the related Prior Period, the sum of (i) the
principal balance of such Mortgage Loan remaining outstanding and
the principal portion of Nonrecoverable Advances actually
reimbursed with respect to such Mortgage Loan (the principal
portion of such Realized Loss), and (ii) the accrued interest on
such Mortgage Loan remaining unpaid and the interest portion of
Nonrecoverable Advances actually reimbursed with respect to such
Mortgage Loan (the interest portion of such Realized Loss);
provided, however, that for purposes of allocating
Realized Losses to the REMIC I, REMIC II and REMIC III Regular Interests pursuant to this
definition of “Realized Loss,” the aggregate principal
portion of Realized Losses for any Distribution Date for any Loan
Group shall be reduced by the Cumulative Carry-Forward Subsequent
Recoveries Amount for such Distribution Date for such Loan Group.
For any Distribution Date, with respect to any Mortgage Loan which
is not a Liquidated Mortgage Loan, the amount of the Bankruptcy
Loss incurred with respect to such Mortgage Loan as of the related
Due Date.

Realized Losses on Group 1, Group 2, Group 3,
Group 4 and Group 5 Loans shall be allocated to the REMIC I Regular
Interests as follows: (1) The interest portion of Realized Losses
on Group 1 Loans, Group 3 Loans, Group 4 Loans and Group 5
Loans, if any, shall be allocated, first, to the Class C-X-M and
Class D-X-M Regular Interests in an amount equal to the amount of
such losses allocated to the Class C-X-L and Class D-X-L Regular
Interests pursuant to the fourth paragraph of this definition of
“Realized Loss,” in reduction of the amount of interest
accrued but unpaid thereon, and, second, the remainder of such
losses shall be allocated between the Class C-Y-1 and Class C-Z-1
Regular Interests pro rata according to the amount of interest
accrued but unpaid thereon, in reduction thereof; and (2) The
interest portion of Realized Losses on Group 2 Loans, if any, shall
be allocated, first, to the Class D-X-M Regular Interest in an
amount equal to the amount of such losses allocated to the Class
D-X-L Regular Interest pursuant to the fourth paragraph of this
definition of “Realized Loss,” in reduction of the
amount of interest accrued but unpaid thereon, and, second, the
remainder of such losses shall be allocated between the Class C-Y-2
and Class C-Z-2 Regular Interests pro rata according to the amount
of interest accrued but unpaid thereon, in reduction thereof. 
Any interest portion of such Realized Losses in excess of the
amount allocated pursuant to the preceding sentence shall be
treated as a principal portion of Realized Losses not attributable
to any specific Mortgage Loan in such Loan Group and allocated
pursuant to the succeeding sentences. The applicable Class P
Fraction of any principal portion of Realized Losses attributable
to a Class P Mortgage Loan shall be allocated to the related Class
P‐M Regular Interest in reduction of the Class Principal
Balance thereof.  The remainder of the principal portion of
Realized Losses with respect to Loan Group 1, Loan Group 2, Loan
Group 3, Loan Group 4 and Loan Group 5 shall be allocated to the
REMIC I Regular Interests as follows: (1) the principal portion of
Realized Losses on Group 1 Loans, Group 3 Loans, Group 4 Loans and
Group 5 Loans shall be allocated, first, to the Class C-Y-1 Regular
Interest to the extent of the Class C-Y-1 Principal Reduction
Amount in reduction of the Class Principal Balance of such Regular
Interest and, second, the remainder, if any, of such principal
portion of such Realized Losses shall be allocated to the Class
C-Z-1 Regular Interest in reduction of the Class Principal Balance
thereof; and (2) the principal portion of Realized Losses on Group
2 Loans shall be allocated, first, to the Class C-Y-2 Regular
Interest to the extent of the Class C-Y-2 Principal Reduction
Amount in reduction of the Class Principal Balance of such Regular
Interest and, second, the remainder, if any, of such principal
portion of such Realized Losses shall be allocated to the Class
C-Z-2 Regular Interest in reduction of the Class Principal Balance
thereof.

Realized Losses on Mortgage Loans in a Loan Group
shall be allocated among the REMIC II Regular Interests (i) for
Realized Losses allocable to principal (a) first, to the Class
B-6-L Regular Interest, until the Class B-6-L Principal Balance has
been reduced to zero, (b) second, to the Class B-5-L Regular
Interest, until the Class B-5-L Principal Balance has been reduced
to zero, (c) third, to the Class B-4-L Regular Interest, until the
Class B-4-L Principal Balance has been reduced to zero, (d) fourth,
to the Class B-3-L Regular Interest, until the Class B-3-L
Principal Balance has been reduced to zero, (e) fifth, to the Class
B-2-L Regular Interest, until the Class B-2-L Principal Balance has
been reduced to zero, (f) sixth, to the Class B-1-L Regular
Interest, until the Class B-1-L Principal Balance has been reduced
to zero, and (g) seventh, to the Class A-L Regular Interests
related to such Loan Group, pro rata according to the Class
Principal Balances thereof, in reduction thereof; provided,
however, that if the loss is recognized with respect to a Class
P Mortgage Loan, the applicable Class P Fraction of such loss shall
first be allocated to the related Class P-L Regular Interest and
the remainder of such loss shall be allocated as set forth above in
this clause (i); and (ii) for Realized Losses allocable to interest
(a) first, to the Class B-6-L Regular Interest, in reduction of
accrued but unpaid interest thereon and then in reduction of the
Class B-6-L Principal Balance, (b) second, to the Class B-5-L
Regular Interest, in reduction of accrued but unpaid interest
thereon and then in reduction of the Class B-5-L Principal Balance,
(c) third, to the Class B-4-L Regular Interest, in reduction of
accrued but unpaid interest thereon and then in reduction of the
Class B-4-L Principal Balance, (d) fourth, to the Class B-3-L
Regular Interest, in reduction of accrued but unpaid interest
thereon and then in reduction of the Class B-3-L Principal Balance,
(e) fifth, to the Class B-2-L Regular Interest, in reduction of
accrued but unpaid interest thereon and then in reduction of the
Class B-2-L Principal Balance, (f) sixth, to the Class B-1-L
Regular Interest, in reduction of accrued but unpaid interest
thereon and then in reduction of the Class B-1-L Principal Balance,
and (g) seventh, to the Class A-L Regular Interests related to such
Loan Group, and the portion of the related Class X-L Regular
Interest that derives its interest from such Loan Group, pro rata
according to accrued but unpaid interest on such Classes (or
portions thereof), in reduction thereof, and then to those related
Class A-L Regular Interests, pro rata according to the Class
Principal Balances thereof, in reduction thereof; provided,
however, that (1) until the Class CB-5-L Principal Balance has
been reduced to zero, all principal losses that would otherwise be
allocated to the Class CB-3-L Regular Interest pursuant to clause
(i) of this paragraph shall instead be allocated to the Class
CB-5-L Regular Interest, in reduction of the Class CB-5-L Principal
Balance, and the Class CB-3 Fraction of all interest losses that
would otherwise be allocated to the Class CB-3-L Regular Interest
pursuant to clause (ii) of this paragraph shall instead be
allocated to the Class CB-5-L Regular Interest, in reduction of
accrued but unpaid interest thereon, and then in reduction of the
Class CB-5-L Principal Balance, (2) until the Class CB-8-L
Principal Balance has been reduced to zero, all principal losses
that would otherwise be allocated to the Class CB-7-L Regular
Interest pursuant to clause (i) of this paragraph shall instead be
allocated to the Class CB-8-L Regular Interest, in reduction of the
Class CB-8-L Principal Balance, and all interest losses that would
otherwise be allocated to the Class CB-7-L Regular Interest
pursuant to clause (ii) of this paragraph shall instead be
allocated to the Class CB-8-L Regular Interest, in reduction of
accrued but unpaid interest thereon, and then in reduction of the
Class CB-8-L Principal Balance, (3) until the Class CB-12-L
Principal Balance has been reduced to zero, all principal losses
that would otherwise be allocated to the Class CB-11-L Regular
Interest pursuant to clause (i) of this paragraph shall instead be
allocated to the Class CB-12-L Regular Interest, in reduction of
the Class CB-12-L Principal Balance, and all interest losses that
would otherwise be allocated to the Class CB-11-L Regular Interest
pursuant to clause (ii) of this paragraph shall instead be
allocated to the Class CB-12-L Regular Interest, in reduction of
accrued but unpaid interest thereon, and then in reduction of the
Class CB-12-L Principal Balance, (4) until the Class 4-A-2-L
Principal Balance has been reduced to zero, all principal losses
that would otherwise be allocated to the Class 4-A-1-L Regular
Interest pursuant to clause (i) of this paragraph shall instead be
allocated to the Class 4-A-2-L Regular Interest, in reduction of
the Class 4-A-2-L Principal Balance, and all interest losses that
would otherwise be allocated to the Class 4-A-1-L Regular Interest
pursuant to clause (ii) of this paragraph shall instead be
allocated to the Class 4-A-2-L Regular Interest, in reduction of
accrued but unpaid interest thereon, and then in reduction of the
Class 4-A-2-L Principal Balance, (5) until the Class 5-A-9-L
Principal Balance has been reduced to zero, all principal losses
that would otherwise be allocated to the Class 5-A-1-L Regular
Interest pursuant to clause (i) of this paragraph shall instead be
allocated to the Class 5-A-9-L Regular Interest, in reduction of
the Class 5-A-9-L Principal Balance, and all interest losses that
would otherwise be allocated to the Class 5-A-1-L Regular Interest
pursuant to clause (ii) of this paragraph shall instead be
allocated to the Class 5-A-9-L Regular Interest, in reduction of
accrued but unpaid interest thereon, and then in reduction of the
Class 5-A-9-L Principal Balance and (6) until the Class 5-A-10-L
Principal Balance has been reduced to zero, all principal losses
that would otherwise be allocated to the Class 5-A-4-L Regular
Interest pursuant to clause (i) of this paragraph shall instead be
allocated to the Class 5-A-10-L Regular Interest, in reduction of
the Class 5-A-10-L Principal Balance, and all interest losses that
would otherwise be allocated to the Class 5-A-4-L Regular Interest
pursuant to clause (ii) of this paragraph shall instead be
allocated to the Class 5-A-10-L Regular Interest, in reduction of
accrued but unpaid interest thereon, and then in reduction of the
Class 5-A-10-L Principal Balance.

For
any Distribution Date, any amounts distributed to the Class P-L
Regular Interests pursuant to clauses (I)(f)(i) and (I)(f)(ii) of
the definition of “REMIC II Distribution Amount” shall
be allocated as a loss to the most junior Class (or Classes) of
Class B-L Regular Interests, until the Class Principal Balance
thereof has been reduced to zero.

Realized Losses allocated to any Class of REMIC
II Regular Interests pursuant to this definition of “Realized
Loss” in reduction of the Class Principal Balance thereof
(including losses allocated to the Class B-L Regular Interests
pursuant to the immediately preceding paragraph of this definition
of “Realized Loss”) shall also be allocated to the
Corresponding Class in reduction of the Class Principal Balance
thereof by the same amount.

On
each Distribution Date, after giving effect to the principal
distributions and allocations of losses as provided in this
Agreement (without regard to this paragraph), if the aggregate
Class Principal Balance of all outstanding Classes of REMIC II
Regular Interests (plus any Cumulative Carry-Forward Subsequent
Recoveries Amount for such Distribution Date for any Loan Group)
exceeds the aggregate principal balance of the Mortgage Loans
remaining to be paid at the close of business on the Cut-Off Date,
after deduction of (i) all principal payments due on or before the
Cut-Off Date in respect of each such Mortgage Loan whether or not
paid, and (ii) all amounts of principal in respect of each Mortgage
Loan that have been received or advanced and included in the REMIC
II Available Distribution Amount for Loan Group 1, Loan Group 2,
Loan Group 3, Loan Group 4 and Loan Group 5 and all losses in
respect of each Mortgage Loan that have been allocated to the REMIC
I Regular Interests on such Distribution Date or prior Distribution
Dates, then such excess will be deemed a principal loss and will be
allocated to the most junior Class of Class B-L Regular Interests,
in reduction of the Class Principal Balance thereof.

Recognition Agreement: With respect to
a Cooperative Loan, the recognition agreement between the
Cooperative and the originator of such Cooperative Loan.

Record Date: The last Business Day of
the month immediately preceding the month of the related
Distribution Date.

Reference Banks: As defined in Section 3.19(b).

Regular Interest Group: The Group 1-L,
Group 2-L, Group 3-L, Group 4-L or Group 5-L Regular Interests, as
applicable.

Regular Interests: (i) With respect to
REMIC I, the REMIC I Regular Interests, (ii) with respect to REMIC
II, the REMIC II Regular Interests and (iii) with respect to REMIC
III, the REMIC III Regular Interests.

Relief Act Shortfall: With respect to
a Loan Group, for any Distribution Date for any Mortgage Loan in
such Loan Group with respect to which the Servicemembers Civil
Relief Act, formerly known as the Soldiers’ and
Sailors’ Civil Relief Act of 1940, or any comparable state
legislation (collectively, the “Relief Act”),
limits the amount of interest payable by the related Mortgagor, an
amount equal to one month’s interest on such Mortgage Loan at
an annual interest rate equal to the excess, if any, of (i) the
annual interest rate otherwise payable by the Mortgagor on the
related Due Date under the terms of the related Mortgage Note over
(ii) the annual interest rate payable by the Mortgagor on the
related Due Date by application of the Relief Act.

REMIC: A real estate mortgage
investment conduit, as such term is defined in the Code.

REMIC Provisions: Sections 860A
through 860G of the Code, related Code provisions and regulations
promulgated thereunder, as the foregoing may be in effect from time
to time.

REMIC I: The segregated pool of assets
of the Trust consisting of the REMIC I Assets, which shall be a
REMIC pursuant to the Code, with respect to which a separate REMIC
election is to be made and the beneficial interests in which shall
be the REMIC I Regular Interests and the Class R-1 Residual
Interest.

REMIC I Assets: All of the Mortgage
Pool Assets other than the Yield Maintenance Agreements, the
Certificate Insurance Policy, the Class CB-15 Reserve Fund and any
proceeds thereof.

REMIC I Available Distribution
Amount:  For each Loan Group for any Distribution
Date, the sum of the following amounts with respect to the Mortgage
Loans in such Loan Group:

(1)        the
total amount of all cash received by or on behalf of the Servicer
with respect to such Mortgage Loans by the Determination Date for
such Distribution Date and not previously distributed, including
Monthly P&I Advances made by the Servicer, Liquidation Proceeds
and scheduled amounts of distributions from Buydown Funds
respecting Buydown Loans, if any, except:

(a)        all
scheduled payments of principal and interest collected but due
subsequent to such Distribution Date;

(b)        all
Curtailments received after the Prior Period;

(c)        all
Payoffs received after the Payoff Period immediately preceding such
Distribution Date (together with any interest payment received with
such Payoffs to the extent that it represents the payment of
interest accrued on the Mortgage Loans for the period subsequent to
the Prior Period), and interest which was accrued and received on
Payoffs received during the period from the 1st to the 14th day of
the month of such Distribution Date, which interest shall not be
included in the calculation of the REMIC I Available Distribution
Amount for any Distribution Date;

(d)       
Insurance Proceeds, Liquidation Proceeds and Subsequent Recoveries
received on such Mortgage Loans after the Prior Period;

(e)        all
amounts in the Certificate Account which are due and reimbursable
to the Servicer pursuant to the terms of this Agreement;

(f)        
the sum of the Servicing Fee for each such Mortgage Loan, and any
Special Primary Insurance Premium payable on such Distribution Date
with respect to such Mortgage Loan; and

(g)       
Excess Liquidation Proceeds;

(2)        the
sum, to the extent not previously distributed, of the following
amounts, to the extent advanced or received, as applicable, by the
Servicer:

(a)        any
Monthly P&I Advance made by the Servicer to the Trustee with
respect to such Distribution Date relating to such Mortgage Loans;
and

(b)       
Compensating Interest; and

(3)        the
total amount of any cash received during the Prior Period by the
Trustee or the Servicer in respect of a Purchase Obligation under
Section 2.07 and Section 2.08 or any permitted purchase of such a
Mortgage Loan.

REMIC I Distribution Amount: For any
Distribution Date, the REMIC I Available Distribution Amount shall
be distributed to the REMIC I Regular Interests and the Class R-1
Residual Interest in the following amounts and priority:

(a)        To
the extent of the REMIC I Available Distribution Amount for Loan
Group 1, Loan Group 3, Loan Group 4 and Loan
Group 5:

(i)                 
first, to (A) the Class C-P-M Regular Interest, the aggregate
for all of the Class 1-P Mortgage Loans of the product for each
Class 1-P Mortgage Loan of the applicable Class 1-P Fraction and
the sum of (x) scheduled payments of principal on such Class 1-P
Mortgage Loan due on or before the related Due Date in respect of
which no distribution has been made on any previous Distribution
Date and which were received by the Determination Date, or which
have been advanced as part of a Monthly P&I Advance with
respect to such Distribution Date, (y) the principal portion
received in respect of such Class 1-P Mortgage Loan during the
Prior Period of (1) Curtailments, (2) Insurance Proceeds, (3) the
amount, if any, of the principal portion of the Purchase Price paid
pursuant to a Purchase Obligation or any purchase of a Mortgage
Loan permitted hereunder and (4) Liquidation Proceeds and (z) the
principal portion of Payoffs received in respect of such Class 1-P
Mortgage Loan during the Payoff Period; (B) the Class C-P-M
Regular Interest, the aggregate for all of the Class 5-P Mortgage
Loans of the product for each Class 5-P Mortgage Loan of the
applicable Class 5-P Fraction and the sum of (x) scheduled payments
of principal on such Class 5-P Mortgage Loan due on or before the
related Due Date in respect of which no distribution has been made
on any previous Distribution Date and which were received by the
Determination Date, or which have been advanced as part of a
Monthly P&I Advance with respect to such Distribution Date, (y)
the principal portion received in respect of such Class 5-P
Mortgage Loan during the Prior Period of (1) Curtailments, (2)
Insurance Proceeds, (3) the amount, if any, of the principal
portion of the Purchase Price paid pursuant to a Purchase
Obligation or any purchase of a Mortgage Loan permitted hereunder
and (4) Liquidation Proceeds and (z) the principal portion of
Payoffs received in respect of such Class 5-P Mortgage Loan during
the Payoff Period; and (C) to the Class D-P-M Regular Interest, the
aggregate for all of the Class 4-P Mortgage Loans of the product
for each Class 4-P Mortgage Loan of the applicable Class 4-P
Fraction and the sum of (x) scheduled payments of principal on such
Class 4-P Mortgage Loan due on or before the related Due Date in
respect of which no distribution has been made on any previous
Distribution Date and which were received by the Determination
Date, or which have been advanced as part of a Monthly P&I
Advance with respect to such Distribution Date, (y) the principal
portion received in respect of such Class 4-P Mortgage Loan during
the Prior Period of (1) Curtailments, (2) Insurance Proceeds, (3)
the amount, if any, of the principal portion of the Purchase Price
paid pursuant to a Purchase Obligation or any purchase of a
Mortgage Loan permitted hereunder and (4) Liquidation Proceeds and
(z) the principal portion of Payoffs received in respect of such
Class 4-P Mortgage Loan during the Payoff Period;

(ii)               
second, to the Class C-X-M, Class D-X-M, Class C-Y-1 and Class
C-Z-1 Regular Interests and the Class R-1 Residual Interest,
concurrently, the sum of (x) the Interest Distribution Amounts for
the Class C-Y-1 and Class C-Z-1 Regular Interests and the
Class R-1 Residual Interest and (y) the portion of the
Interest Distribution Amount for the Class C-X-M and Class D-X-M
Regular Interests derived from the Group 1, Group 3, Group 4 and
Group 5 Loans, in each case remaining unpaid from previous
Distribution Dates, pro rata according to their respective shares
of such unpaid amounts;

(iii)              
third, to the Class C-X-M, Class D-X-M, Class C-Y-1 and Class C-Z-1
Regular Interests and the Class R-1 Residual Interest,
concurrently, the sum of (x) the Interest Distribution Amounts for
the Class C-Y-1 and Class C-Z-1 Regular Interests and the
Class R-1 Residual Interest and (y) the portion of the
Interest Distribution Amount for the Class C-X-M and Class D-X-M
Regular Interests derived from the Group 1, Group 3, Group 4 and
Group 5 Loans, in each case for the current Distribution Date, pro
rata according to their respective Interest Distribution Amounts
(or portion thereof, as applicable); and

(iv)       fourth,
to the Class R-1 Residual Interest, until the Class Principal
Balance thereof has been reduced to zero; and

(v)       
fifth, to the Class C-Y-1 and Class C-Z-1 Regular Interests, the
Class C-Y-1 Principal Distribution Amount and the Class C-Z-1
Principal Distribution Amount, respectively.

(b)        To
the extent of the REMIC I Available Distribution Amount for Loan
Group 2:

(i)        
first, to the Class D-P-M Regular Interest, the aggregate for all
of the Class 2-P Mortgage Loans of the product for each Class 2-P
Mortgage Loan of the applicable Class 2-P Fraction and the sum of
(x) scheduled payments of principal on such Class 2-P Mortgage Loan
due on or before the related Due Date in respect of which no
distribution has been made on any previous Distribution Date and
which were received by the Determination Date, or which have been
advanced as part of a Monthly P&I Advance with respect to such
Distribution Date, (y) the principal portion received in respect of
such Class 2-P Mortgage Loan during the Prior Period of (1)
Curtailments, (2) Insurance Proceeds, (3) the amount, if any, of
the principal portion of the Purchase Price paid pursuant to a
Purchase Obligation or any purchase of a Mortgage Loan permitted
hereunder and (4) Liquidation Proceeds and (z) the principal
portion of Payoffs received in respect of such Class 2-P Mortgage
Loan during the Payoff Period;

(ii)       
second, to the Class D-X-M, Class C-Y-2 and Class C-Z-2 Regular
Interests, concurrently, the sum of (x) the Interest Distribution
Amounts for the Class C-Y-2 and Class C-Z-2 Regular Interests and
(y) the portion of the Interest Distribution Amount for the Class
D-X-M Regular Interest derived from the Group 2 Loans, in each case
remaining unpaid from previous Distribution Dates, pro rata
according to their respective shares of such unpaid
amounts;

(iii)       third,
to the Class D-X-M, Class C-Y-2 and Class C-Z-2 Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amounts for
the Class C-Y-2 and Class C-Z-2 Regular Interests and (y) the
portion of the Interest Distribution Amount for the Class D-X-M
Regular Interest derived from the Group 2 Loans, in each case for
the current Distribution Date, pro rata according to their
respective Interest Distribution Amounts (or portion thereof, as
applicable); and

(iv)       fourth,
to the Class C-Y-2 and Class C-Z-2 Regular Interests, the Class
C-Y-2 Principal Distribution Amount and the Class C-Z-2 Principal
Distribution Amount, respectively.

(c)        To
the extent of the REMIC I Available Distribution Amounts for Loan
Group 1, Loan Group 2, Loan Group 3, Loan Group 4 and Loan Group 5
for such Distribution Date remaining after payment of the amounts
pursuant to paragraphs (a) and (b) of this definition of
“REMIC I Distribution Amount”:

(i)        
first, to the Class P-M Regular Interests, the aggregate amount of
any distributions to the related Class P Certificates pursuant to
paragraphs (I)(f)(i) and (I)(f)(ii) of the definition of
“REMIC II Distribution Amount” on such Distribution
Date; provided, however, that any amounts distributed
pursuant to this paragraph (c)(i) of this definition of
“REMIC I Distribution Amount” shall not cause a
reduction in the Class Principal Balances of the Class P-M Regular
Interests;

(ii)       
second, to each Class of Class C-Y and Class C-Z Regular Interests,
pro rata according to the amount of unreimbursed Realized Losses
allocable to principal previously allocated to each such Class, the
aggregate amount of any distributions to the Certificates pursuant
to paragraph (I)(f)(xxiii) of the definition of “REMIC II
Distribution Amount” on such Distribution Date; provided,
however, that any amounts distributed pursuant to this
paragraph (c)(ii) of this definition of “REMIC I Distribution
Amount” shall not cause a reduction in the Class Principal
Balances of any of the Class C-Y and Class C-Z Regular Interests;
and

(iii)       third,
to the Class R-1 Residual Interest, the Residual Distribution
Amount for the Class R-1 Residual Interest for such Distribution
Date.

REMIC I Regular Interests: The Classes
of undivided beneficial interests in REMIC I designated as
“regular interests” in the table titled “REMIC I
Interests” in the Preliminary Statement hereto. The REMIC I
Regular Interests, together with the Class R-1 Residual Interest,
shall be deemed to be a separate series of beneficial interests in
the assets of the Trust consisting of the REMIC I Assets pursuant
to Section 3806(b)(2) of the Statutory Trust Statute.

REMIC II: The segregated pool of
assets of the Trust consisting of the REMIC II Assets, which shall
be a REMIC pursuant to the Code, with respect to which a separate
REMIC election is to be made, and the beneficial interests in which
shall be the REMIC II Regular Interests and the Class R-2 Residual
Interest.

REMIC II Assets: The REMIC I Regular
Interests.

REMIC II Available Distribution
Amount: For the Group 1-L Regular Interests, on any
Distribution Date, the aggregate of the portions attributable to
Group 1 Loans of all distributions to the Class C-P-M, Class C-X-M,
Class C-Y-1 and Class C-Z-1 Regular Interests, other than the
Certificate Insurer Premium (which amount shall be available for
distributions to the Group 1-L and Class B-L Regular Interests and
the Class R-2 Residual Interest as provided herein). For the Group
2-L Regular Interest, on any Distribution Date, the aggregate of
the portions attributable to Group 2 Loans of all distributions to
the Class D-P-M, Class D-X-M, Class C-Y-2 and Class C-Z-2 Regular
Interests (which amount shall be available for distributions to the
Group 2-L and Class B-L Regular Interests and the Class R-2
Residual Interest as provided herein). For the Group 3-L Regular
Interest, on any Distribution Date, the aggregate of the portions
attributable to Group 3 Loans of all distributions to the Class
D-X-M, Class C-Y-1 and Class C-Z-1 Regular Interests (which amount
shall be available for distributions to the Group 3-L and Class B-L
Regular Interests and the Class R-2 Residual Interest as provided
herein). For the Group 4-L Regular Interests, on any Distribution
Date, the aggregate of the portions attributable to Group 4 Loans
of all distributions to the Class D-P-M, Class D-X-M, Class C-Y-1
and Class C-Z-1 Regular Interests (which amount shall be available
for distributions to the Group 4-L and Class B-L Regular Interests
and the Class R-2 Residual Interest as provided herein). For the
Group 5-L Regular Interests, on any Distribution Date, the
aggregate of the portions attributable to Group 5 Loans of all
distributions to the Class C-P-M, Class C-X-M, Class C-Y-1 and
Class C-Z-1 Regular Interests (which amount shall be available for
distributions to the Group 5-L and Class B-L Regular Interests and
the Class R-2 Residual Interest as provided herein).

REMIC II Distribution Amount: (I) For
any Distribution Date prior to the Credit Support Depletion Date,
the REMIC II Available Distribution Amount for such Distribution
Date shall be distributed to the REMIC II Regular Interests, the
Class R-2 Residual Interest and the Certificate Insurer in the
following amounts and priority:

(a)       
With respect to the Group 1-L, Class C-P-L and Class C-X-L Regular
Interests and the Certificate Insurer, on any Distribution Date
prior to the Credit Support Depletion Date, to the extent of the
REMIC II Available Distribution Amount for Loan Group 1 for such
Distribution Date:

(i)                 
first, to the Class C-P-L Regular Interest, the aggregate for all
Class 1-P Mortgage Loans of the product for each Class 1-P Mortgage
Loan of the applicable Class 1-P Fraction and the sum of (x)
scheduled payments of principal on such Class 1-P Mortgage Loan due
on or before the related Due Date in respect of which no
distribution has been made on any previous Distribution Date and
which were received by the Determination Date, or which have been
advanced as part of a Monthly P&I Advance with respect to such
Distribution Date, (y) the principal portion received in respect of
such Class 1-P Mortgage Loan during the Prior Period of (1)
Curtailments, (2) Insurance Proceeds, (3) the amount, if any, of
the principal portion of the Purchase Price paid pursuant to a
Purchase Obligation or any purchase of a Mortgage Loan permitted
hereunder and (4) Liquidation Proceeds and (z) the principal
portion of Payoffs received in respect of such Class 1-P Mortgage
Loan during the Payoff Period;

(ii)               
second, to the Group 1-A-L and Class C-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amounts for
the Group 1-A-L Regular Interests and (y) the portion of the
Interest Distribution Amount for the Class C-X-L Regular Interest
derived from the Group 1 Loans, in each case remaining unpaid from
previous Distribution Dates, pro rata according to their respective
shares of such unpaid amounts;

(iii)              
third, to the Group 1-A-L and Class C-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amounts for
the Group 1-A-L Regular Interests and (y) the portion of the
Interest Distribution Amount for the Class C-X-L Regular Interest
derived from the Group 1 Loans, in each case for the current
Distribution Date, pro rata according to their respective Interest
Distribution Amounts;

(iv)             
fourth, to the Group 1-A-L Regular Interests, as principal, the
Group 1 Senior Principal Distribution Amount (reduced, on the first
distribution date, by $100), sequentially, as follows:

           
(A)       first, to the Class CB-7-L
and Class CB-8-L Regular Interests, pro rata, an amount, up to the
amount of the Group 1 Lockout Priority Amount for that Distribution
Date;

           
(B)       second, concurrently, until
the Class CB-1-L, Class CB-3-L, Class CB-5-L, Class CB-6-L, Class
CB-9-L, Class CB-11-L, Class CB-12-L, Class CB-13-L and Class
CB-15-L Principal Balances have each been reduced to zero, as
follows:

           
(I)        73.6152314163%,
sequentially, as follows:

           
(a)        first, to the Class
CB-6-L and Class CB-15-L Regular Interests, pro rata, an amount, up
to the amount of the Class CB-6 and Class CB-15 Priority Amount for
that Distribution Date;

           
(b)        second, to the Class
CB-1-L, Class CB-3-L and Class CB-5-L Regular Interests, pro rata,
until the Class CB-1-L, Class CB-3-L and Class CB-5-L Principal
Balances have each been reduced to zero; and

           
(c)        third, to the Class
CB-6-L and Class CB-15-L Regular Interests, pro rata, until the
Class CB-6-L and Class CB-15-L Principal Balances have each been
reduced to zero; and

           
(II)       26.3847685837%,
sequentially, as follows:

           
(a)        first, to the Class
CB-11-L and Class CB-12-L Regular Interests, pro rata, an amount,
up to the amount of the Group 1 Super Lockout Priority Amount for
that Distribution Date;

           
(b)        second, to the Class
CB-9-L and Class CB-13-L Regular Interests, pro rata, until the
Class CB-9-L and Class CB-13-L Principal Balances have each been
reduced to zero; and

           
(c)        third, to the Class
CB-11-L and Class CB-12-L Regular Interests, pro rata, until the
Class CB-11-L and Class CB-12-L Principal Balances have each been
reduced to zero; and

(C)       third, to
the Class CB-7-L and Class CB-8-L Regular Interests, pro rata,
until the Class CB-7-L and Class CB-8-L Principal Balances have
each been reduced to zero; and    

(v)               
fifth, to the Certificate Insurer, the Class CB-15 Reimbursement
Amount for such Distribution Date;

(b)       
With respect to the Group 2-L, Class D-P-L and Class D-X-L Regular
Interests, on any Distribution Date prior to the Credit Support
Depletion Date, to the extent of the REMIC II Available
Distribution Amount for Loan Group 2 for such Distribution
Date:

(i)                 
first, to the Class D-P-L Regular Interest, the aggregate for all
Class 2-P Mortgage Loans of the product for each Class 2-P Mortgage
Loan of the applicable Class 2-P Fraction and the sum of (x)
scheduled payments of principal on such Class 2-P Mortgage Loan due
on or before the related Due Date in respect of which no
distribution has been made on any previous Distribution Date and
which were received by the Determination Date, or which have been
advanced as part of a Monthly P&I Advance with respect to such
Distribution Date, (y) the principal portion received in respect of
such Class 2-P Mortgage Loan during the Prior Period of (1)
Curtailments, (2) Insurance Proceeds, (3) the amount, if any, of
the principal portion of the Purchase Price paid pursuant to a
Purchase Obligation or any purchase of a Mortgage Loan permitted
hereunder and (4) Liquidation Proceeds and (z) the principal
portion of Payoffs received in respect of such Class 2-P Mortgage
Loan during the Payoff Period;

(ii)               
second, to the Class 2-CB-L and Class D-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amount for
the Class 2-CB-L Regular Interest and (y) the portion of the
Interest Distribution Amount for the Class D-X-L Regular Interest
derived from the Group 2 Loans, in each case remaining unpaid from
previous Distribution Dates, pro rata according to their respective
shares of such unpaid amounts;

(iii)              
third, to the Class 2-CB-L and Class D-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amount for
the Class 2-CB-L Regular Interest and (y) the portion of the
Interest Distribution Amount for the Class D-X-L Regular Interest
derived from the Group 2 Loans, in each case for the current
Distribution Date, pro rata according to their respective Interest
Distribution Amounts; and

(iv)             
fourth, to the Class 2-CB-L Regular Interest, as principal, the
Group 2 Senior Principal Distribution Amount, until the Class
2-CB-L Principal Balance has been reduced to zero;

(c)       
With respect to the Group 3-L and Class D-X-L Regular Interests, on
any Distribution Date prior to the Credit Support Depletion Date,
to the extent of the REMIC II Available Distribution Amount for
Loan Group 3 for such Distribution Date:

(i)                 
first, to the Class 3-CB-L and Class D-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amount for
the Class 3-CB-L Regular Interest and (y) the portion of the
Interest Distribution Amount for the Class D-X-L Regular Interest
derived from the Group 3 Loans, in each case remaining unpaid from
previous Distribution Dates, pro rata according to their respective
shares of such unpaid amounts;

(ii)               
second, to the Class 3-CB-L and Class D-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amount for
the Class 3-CB-L Regular Interest and (y) the portion of the
Interest Distribution Amount for the Class D-X-L Regular Interest
derived from the Group 3 Loans, in each case for the current
Distribution Date, pro rata according to their respective Interest
Distribution Amounts; and

(iii)              
third, to the Class 3-CB-L Regular Interest, as principal, the
Group 3 Senior Principal Distribution Amount, until the Class
3-CB-L Principal Balances has been reduced to zero;

(d)       
With respect to the Group 4-L, Class D-P-L and Class D-X-L Regular
Interests, on any Distribution Date prior to the Credit Support
Depletion Date, to the extent of the REMIC II Available
Distribution Amount for Loan Group 4 for such Distribution
Date:

(i)                 
first, to the Class D-P-L Regular Interest, the aggregate for all
Class 4-P Mortgage Loans of the product for each Class 4-P Mortgage
Loan of the applicable Class 4-P Fraction and the sum of (x)
scheduled payments of principal on such Class 4-P Mortgage Loan due
on or before the related Due Date in respect of which no
distribution has been made on any previous Distribution Date and
which were received by the Determination Date, or which have been
advanced as part of a Monthly P&I Advance with respect to such
Distribution Date, (y) the principal portion received in respect of
such Class 4-P Mortgage Loan during the Prior Period of (1)
Curtailments, (2) Insurance Proceeds, (3) the amount, if any, of
the principal portion of the Purchase Price paid pursuant to a
Purchase Obligation or any purchase of a Mortgage Loan permitted
hereunder and (4) Liquidation Proceeds and (z) the principal
portion of Payoffs received in respect of such Class 4-P Mortgage
Loan during the Payoff Period;

(ii)               
second, to the Group 4-A-L and Class D-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amounts for
the Group 4-A-L Regular Interests and (y) the portion of the
Interest Distribution Amount for the Class D-X-L Regular Interest
derived from the Group 4 Loans, in each case remaining unpaid from
previous Distribution Dates, pro rata according to their respective
shares of such unpaid amounts;

(iii)              
third, to the Group 4-A-L and Class D-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amounts for
the Group 4-A-L Regular Interests and (y) the portion of the
Interest Distribution Amount for the Class D-X-L Regular Interest
derived from the Group 4 Loans, in each case for the current
Distribution Date, pro rata according to their respective Interest
Distribution Amounts; and

(iv)             
fourth, to the Group 4-A-L Regular Interests, pro rata, as
principal, the Group 4 Senior Principal Distribution Amount, until
the aggregate Class Principal Balance of the Group 4-A-L Regular
Interests has been reduced to zero;

(e)       
With respect to the Group 5-L, Class C-P-L and Class C-X-L Regular
Interests, on any Distribution Date prior to the Credit Support
Depletion Date, to the extent of the REMIC II Available
Distribution Amount for Loan Group 5 for such Distribution
Date:

(i)                 
first, to the Class C-P-L Regular Interest, the aggregate for all
Class 5-P Mortgage Loans of the product for each Class 5-P Mortgage
Loan of the applicable Class 5-P Fraction and the sum of (x)
scheduled payments of principal on such Class 5-P Mortgage Loan due
on or before the related Due Date in respect of which no
distribution has been made on any previous Distribution Date and
which were received by the Determination Date, or which have been
advanced as part of a Monthly P&I Advance with respect to such
Distribution Date, (y) the principal portion received in respect of
such Class 5-P Mortgage Loan during the Prior Period of (1)
Curtailments, (2) Insurance Proceeds, (3) the amount, if any, of
the principal portion of the Purchase Price paid pursuant to a
Purchase Obligation or any purchase of a Mortgage Loan permitted
hereunder and (4) Liquidation Proceeds and (z) the principal
portion of Payoffs received in respect of such Class 5-P Mortgage
Loan during the Payoff Period;

(ii)               
second, to the Group 5-A-L and Class C-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amounts for
the Group 5-A-L Regular Interests and (y) the portion of the
Interest Distribution Amount for the Class C-X-L Regular Interest
derived from the Group 5 Loans, in each case remaining unpaid from
previous Distribution Dates, pro rata according to their respective
shares of such unpaid amounts;

(iii)              
third, to the Group 5-A-L and Class C-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amounts for
the Group 5-A-L Regular Interests and (y) the portion of the
Interest Distribution Amount for the Class C-X-L Regular Interest
derived from the Group 5 Loans, in each case for the current
Distribution Date, pro rata according to their respective Interest
Distribution Amounts;

(iv)             
fourth, to the Group 5-A-L Regular Interests, as principal, the
Group 5 Senior Principal Distribution Amount, sequentially, as
follows:

           
(A)       first, to the Class 5-A-1-L
and Class 5-A-9-L Regular Interests, pro rata, an amount, up to the
amount of the Group 5 Lockout Priority Amount for that Distribution
Date;

           
(B)       second, concurrently, until
the Class 5-A-2-L, Class 5-A-4-L, Class 5-A-5-L, Class 5-A-7-L,
Class 5-A-8-L and Class 5-A-10-L Principal Balances have each been
reduced to zero, as follows:

(I)       
74.2179443108%, sequentially, as follows:

(a)       
first, to the Class 5-A-2-L and Class 5-A-7-L Regular Interests,
pro rata, until the Class 5-A-2-L and Class 5-A-7-L Principal
Balances have each been reduced to zero; and

(b)       
second, to the Class 5-A-8-L Regular Interest, until the Class
5-A-8-L Principal Balance has been reduced to zero; and

(II)      
25.7820556892%, sequentially, as follows:

(a)       
first, to the Class 5-A-4-L and Class 5-A-10-L Regular Interests,
pro rata, an amount, up to the amount of the Group 5 Super Lockout
Priority Amount for that Distribution Date;

(b)       
second, to the Class 5-A-5-L Regular Interest, until the Class
5-A-5-L Principal Balance has been reduced to zero; and

(c)       
third, to the Class 5-A-4-L and Class 5-A-10-L Regular Interests,
pro rata, until the Class 5-A-4-L and Class 5-A-10-L Principal
Balances have each been reduced to zero; and

(C)       third, to
the Class 5-A-1-L and Class 5-A-9-L Regular Interests, pro rata,
until the Class 5-A-1-L and Class 5-A-9-L Principal Balances have
each been reduced to zero; and

(f)        
With respect to the Group 1-L, Group 2-L, Group 3-L, Group 4-L,
Group 5-L, Class C-X-L, Class D-X-L, Class C-P-L, Class D-X-L and
Class B-L Regular Interests and the Class R-2 Residual Interest, on
any Distribution Date prior to the Credit Support Depletion Date,
to the extent of the REMIC II Available Distribution Amounts for
the Group 1-L, Group 2-L, Group 3-L, Group 4-L and Group 5-L
Regular Interests for such Distribution Date remaining after the
payment of the amounts pursuant to paragraphs (I)(a), (I)(b),
(I)(c), (I)(d) and (I)(e) of this definition of “REMIC II
Distribution Amount”:

(i)                 
first, to the Class C-P-L and Class D-P-L Regular Interests, to the
extent of amounts otherwise available to pay the Subordinate
Principal Distribution Amount (without regard to clause (B)(x) of
the definition thereof) on such Distribution Date and to the extent
not paid to such Classes on previous Distribution Dates pursuant to
clause (I)(f)(ii) of this definition of “REMIC II
Distribution Amount,” principal in an amount equal to (x) in
the case of the Class C-P-L Regular Interest, the Class 1-P
Fraction or Class 5-P Fraction, as applicable, of any Realized Loss
on a Class 1-P or Class 5-P Mortgage Loan incurred prior to the
Prior Period and (y) in the case of the Class D-P-L Regular
Interest, the Class 2-P Fraction or Class 4-P Fraction, as
applicable, of any Realized Loss on a Class 2-P or Class 4-P
Mortgage Loan incurred prior to the Prior Period;

(ii)               
second, to the Class C-P-L and Class D-P-L Regular Interests, to
the extent of amounts otherwise available to pay the Subordinate
Principal Distribution Amount (without regard to clause (B)(x) of
the definition thereof) on such Distribution Date, principal in an
amount equal to (x) in the case of the Class C-P-L
Regular Interest, the Class 1-P Fraction or Class 5-P
Fraction, as applicable, of any loss on a Class 1-P or Class
5-P Mortgage Loan incurred in the Prior Period and (y) in the
case of the Class D-P-L Regular Interest, the Class 2-P
Fraction or Class 4-P Fraction, as applicable, of any loss on a
Class 2-P or Class 4-P Mortgage Loan incurred in the Prior
Period; provided, that any amounts distributed in respect of
losses pursuant to paragraph (I)(f)(i) or this paragraph (I)(f)(ii)
of this definition of “REMIC II Distribution Amount”
shall not cause a reduction in either of the Class C-P-L Principal
Balance or the Class D-P-L Principal Balance; provided,
further, that if the amounts otherwise available to pay the
Subordinate Principal Distribution Amount (without regard to clause
(B)(x) of the definition thereof) for any such Distribution Date
are insufficient to cover such outstanding principal losses for the
Class C-P-L and Class D-P-L Regular Interests as provided in
paragraph (I)(f)(i) or this paragraph (I)(f)(ii) of this definition
of “REMIC II Distribution Amount,” then such amounts
will be allocated pro rata to the Class C-P-L and Class D-P-L
Regular Interests based on the amount such Regular Interests are
entitled to receive pursuant to paragraph (I)(f)(i) or this
paragraph (I)(f)(ii) of this definition of “REMIC II
Distribution Amount”;

(iii)              
third, to the Certificate Insurer, any unpaid Class CB-15
Reimbursement Amount for such Distribution Date;

(iv)             
fourth, to the Class B-1-L Regular Interest, the Interest
Distribution Amount for such Class of Regular Interests remaining
unpaid from previous Distribution Dates;

(v)               
fifth, to the Class B-1-L Regular Interest, the Interest
Distribution Amount for such Class of Regular Interests for the
current Distribution Date;

(vi)             
sixth, to the Class B-1-L Regular Interest, the portion of the
Subordinate Principal Distribution Amount allocable to such Class
of Regular Interests pursuant to the definition of
“Subordinate Principal Distribution Amount,” until the
Class B-1-L Principal Balance has been reduced to zero;

(vii)            
seventh, to the Class B-2-L Regular Interest, the Interest
Distribution Amount for such Class of Regular Interests remaining
unpaid from previous Distribution Dates;

(viii)          
eighth, to the Class B-2-L Regular Interest, the Interest
Distribution Amount for such Class of Regular Interests for the
current Distribution Date;

(ix)             
ninth, to the Class B-2-L Regular Interest, the portion of the
Subordinate Principal Distribution Amount allocable to such Class
of Regular Interests pursuant to the definition of
“Subordinate Principal Distribution Amount,” until the
Class B-2-L Principal Balance has been reduced to zero;

(x)               
tenth, to the Class B-3-L Regular Interest, the Interest
Distribution Amount for such Class of Regular Interests remaining
unpaid from previous Distribution Dates;

(xi)             
eleventh, to the Class B-3-L Regular Interest, the Interest
Distribution Amount for such Class of Regular Interests for the
current Distribution Date;

(xii)            
twelfth, to the Class B-3-L Regular Interest, the portion of the
Subordinate Principal Distribution Amount allocable to such Class
of Regular Interests pursuant to the definition of
“Subordinate Principal Distribution Amount,” until the
Class B-3-L Principal Balance has been reduced to zero;

(xiii)          
thirteenth, to the Class B-4-L Regular Interest, the Interest
Distribution Amount for such Class of Regular Interests remaining
unpaid from previous Distribution Dates;

(xiv)          
fourteenth, to the Class B-4-L Regular Interest, the Interest
Distribution Amount for such Class of Regular Interests for the
current Distribution Date;

(xv)           
fifteenth, to the Class B-4-L Regular Interest, the portion of the
Subordinate Principal Distribution Amount allocable to such Class
of Regular Interests pursuant to the definition of
“Subordinate Principal Distribution Amount,” until the
Class B-4-L Principal Balance has been reduced to zero;

(xvi)          
sixteenth, to the Class B-5-L Regular Interest, the Interest
Distribution Amount for such Class of Regular Interests remaining
unpaid from previous Distribution Dates;

(xvii)        
seventeenth, to the Class B-5-L Regular Interest, the Interest
Distribution Amount for such Class of Regular Interests for the
current Distribution Date;

(xviii)       
eighteenth, to the Class B-5-L Regular Interest, the portion of the
Subordinate Principal Distribution Amount allocable to such Class
of Regular Interests pursuant to the definition of
“Subordinate Principal Distribution Amount,” until the
Class B-5-L Principal Balance has been reduced to zero;

(xix)          
nineteenth, to the Class B-6-L Regular Interest, the Interest
Distribution Amount for such Class of Regular Interests remaining
unpaid from previous Distribution Dates;

(xx)           
twentieth, to the Class B-6-L Regular Interest, the Interest
Distribution Amount for such Class of Regular Interests for the
current Distribution Date;

(xxi)          
twenty-first, to the Class B-6-L Regular Interest, the portion of
the Subordinate Principal Distribution Amount allocable to such
Class of Regular Interests pursuant to the definition of
“Subordinate Principal Distribution Amount,” until the
Class B-6-L Principal Balance has been reduced to zero;

(xxii)        
twenty-second, to the Certificate Insurer, the Class CB-15
Additional Reimbursement Amount for such Distribution Date;

(xxiii)       
twenty-third, to each Class of REMIC II Regular Interests in order
of seniority (which, from highest to lowest, shall be as follows:
the Class C-P-L, Class D-P-L, Group 1-A-L, Group 2-A-L, Group
3-A-L, Group 4-A-L and Grop 5-A-L Regular Interests of equal
seniority, and then Class B-1-L, Class B-2-L, Class B-3-L, Class
B-4-L, Class B-5-L and Class B-6-L of decreasing seniority) the
remaining portion, if any, of the REMIC II Available Distribution
Amounts for Loan Group 1, Loan Group 2, Loan Group 3, Loan Group 4
and Loan Group 5, up to the amount of unreimbursed Realized Losses
allocable to principal previously allocated or to be allocated on
such Distribution Date to such Class, if any; provided,
however, that in the case of Classes of REMIC II Regular
Interests of equal seniority, the amount distributable to such
Classes shall be allocated among such Classes according to the
amount of losses allocated thereto; provided, further, that
any amounts distributed pursuant to this paragraph (I)(f)(xxiii) of
this definition of “REMIC II Distribution Amount” shall
not cause a reduction in the Class Principal Balances of any of the
REMIC II Regular Interests; and

(xxiv)      
twenty-fourth, to the Class R-2 Residual Interest, the Residual
Distribution Amounts for Loan Group 1, Loan Group 2, Loan Group 3,
Loan Group 4 and Loan Group 5 for such Distribution Date.

Notwithstanding the foregoing paragraph (I)(f) of
this definition of “REMIC II Distribution
Amount,”

(X)       on any
Distribution Date on which both of the following conditions
specified in clauses (1) and (2) are met:

(1)        the
aggregate Class Principal Balance of any of the Group 1-A-L Regular
Interests, the Group 2-A-L Regular Interest, the Group 3-A-L
Regular Interest, the Group 4-A-L Regular Interests or the Group
5-A-L Regular Interests has been reduced to zero, and

(2)       
either (a) the Class B Percentage for such Distribution Date is
less than 200% of the Class B Percentage as of the Closing Date or
(b) the outstanding principal balance of the Mortgage Loans in any
of Loan Group 1, Loan Group 2, Loan Group 3, Loan Group 4 or Loan
Group 5 delinquent 60 days or more averaged over the last six
months (including Mortgage Loans in foreclosure and Mortgage Loans
the Mortgaged Property of which is held by REMIC I and acquired by
foreclosure or deed in lieu of foreclosure), as a percentage of the
related Subordinate Component Balance, is greater than or equal to
50%,

all principal received or advanced with respect
to the Mortgage Loans in the Loan Group related to the Class A-L
Regular Interests that have been paid in full (after distributions
of principal to the related Class P-L Regular Interest pursuant to
paragraph (I)(a)(i), (I)(b)(i), (I)(c)(i), (I)(d)(i), (I)(e)(i),
(I)(f)(i) and (I)(f)(ii) above, if applicable) shall be paid as
principal to the remaining Class A-L Regular Interests of such
other Regular Interest Group or Groups to the extent of and in
reduction of the Class Principal Balances thereof (plus, in the
case of the Group 1-A-L Regular Interests, to the Certificate
Insurer in payment of any unpaid Class CB-15 Reimbursement Amount)
(and, in the case of the Group 1-A-L Regular Interests, in the
order of priority of paragraph (I)(a)(iv)(A)-(C) above; in the case
of the Group 5-A-L Regular Interests, in the order of priority of
paragraph (I)(e)(iv)(A)-(C) above; and, in the case of the
Certificate Insurer, in the same order of priority as the Class
CB-15-L Regular Interest would receive distributions of principal
pursuant to paragraph (I)(a)(iv) above), prior to any distributions
of principal to the Class B-L Regular Interests pursuant to
paragraph (I)(f) above; provided, however, that if there are
two or more Regular Interest Groups with outstanding Class A-L
Regular Interests, then such principal will be distributed between
those Regular Interest Groups pro rata according to the aggregate
Class Principal Balance of the Class A-L Regular Interests of such
Regular Interest Groups (including, with respect to the Group 1-A-L
Regular Interests, any unpaid Class CB-15 Reimbursement Amount),
and

(Y)       if on any
Distribution Date any of Loan Group 1, Loan Group 2, Loan Group 3,
Loan Group 4 or Loan Group 5 is an Undercollateralized Group and
the other such Loan Group or Groups is an Overcollateralized Group,
then the REMIC II Available Distribution Amount for the Regular
Interest Group or Groups related to the Overcollateralized Group or
Groups, to the extent remaining following distributions of interest
and principal to the Group 1-L, Group 2-L, Group 3-L, Group 4-L and
Group 5-L Regular Interests (and, if applicable, payment of any
Class CB-15 Reimbursement Amount to the Certificate Insurer)
pursuant to paragraph (I)(a), (I)(b), (I)(c), (I)(d) or (I)(e)
above, as applicable, shall be paid in the following priority: (1)
first, such remaining amount, up to the Total Transfer Amount for
each Undercollateralized Group, pro rata according to the Total
Transfer Amount for each such Undercollateralized Group, shall be
distributed (a) first, to the Class A-L Regular Interests related
to each Undercollateralized Group, in payment of any portion of the
Interest Distribution Amounts for such Classes of Regular Interests
remaining unpaid from such Distribution Date or previous
Distribution Dates, pro rata according to their respective shares
of such unpaid amounts, and (b) second, to the Class A-L Regular
Interests related to each such Undercollateralized Group, as
principal (plus, in the case of the Group 1-A-L Regular Interests,
to the Certificate Insurer in payment of any unpaid Class CB-15
Reimbursement Amount) (and, in the case of the Group 1-A-L Regular
Interests, in the order of priority of paragraph (I)(a)(iv)(A)-(C)
above; in the case of the Group 5-A-L Regular Interests, in the
order of priority of paragraph (I)(e)(iv)(A)-(C) above; and, in the
case of the Certificate Insurer, in the same order of priority as
the Class CB-15-L Regular Interest would receive distributions of
principal pursuant to paragraph (I)(a)(iv) above), and (2) second,
any remaining amount shall be distributed pursuant to paragraph
(I)(f) above.

(II)       For any
Distribution Date on or after the Credit Support Depletion Date,
the REMIC II Available Distribution Amount for such Distribution
Date shall be distributed to the outstanding Classes of REMIC II
Regular Interests, the Class R-2 Residual Interest and the
Certificate Insurer in the following amounts and
priority:

(a)       
With respect to the Group 1-L, Class C-P-L and Class C-X-L Regular
Interests, on each Distribution Date on or after the Credit Support
Depletion Date, to the extent of the REMIC II Available
Distribution Amount for Loan Group 1 for such Distribution
Date:

(i)                 
first, to the Class C-P-L Regular Interest, principal in the amount
that would otherwise be distributed to such Class on such
Distribution Date pursuant to clause (I)(a)(i) of this definition
of “REMIC II Distribution Amount”;

(ii)               
second, to the Group 1-A-L and Class C-X-L Regular Interests, the
amount payable to each such Class of Regular Interests on prior
Distribution Dates pursuant to clause (I)(a)(iii) or (II)(a)(iii)
of this definition of “REMIC II Distribution Amount,”
and remaining unpaid, pro rata according to such amount payable to
the extent of amounts available;

(iii)              
third, to the Group 1-A-L and Class C-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amounts for
the Group 1-A-L Regular Interests and (y) the portion of the
Interest Distribution Amount for the Class C-X-L Regular Interest
derived from the Group 1 Loans, in each case for the current
Distribution Date, pro rata according to their respective Interest
Distribution Amounts;

(iv)             
fourth, to the Group 1-A-L Regular Interests, pro rata according to
Class Principal Balance, as principal, the Group 1 Senior Principal
Distribution Amount;

(v)               
fifth, to the Certificate Insurer, the Class CB-15 Reimbursement
Amount for such Distribution Date;

(vi)             
sixth, after any payments to the Group 2-L, Group 3-L, Group 4-L or
Group 5-L Regular Interests pursuant to the last paragraph of this
definition of “REMIC II Distribution Amount,” to the
Certificate Insurer, the Class CB-15 Additional Reimbursement
Amount for such Distribution Date; and

(vii)            
seventh, to the Class R-2 Residual Interest, the Residual
Distribution Amount for the Loan Group 1 for such Distribution
Date.

(b)       
With respect to the Group 2-L, Class D-P-L and Class D-X-L Regular
Interests, on each Distribution Date on or after the Credit Support
Depletion Date, to the extent of the REMIC II Available
Distribution Amount for Loan Group 2 for such Distribution
Date:

(i)                 
first, to the Class D-P-L Regular Interest, principal in the amount
that would otherwise be distributed to such Class on such
Distribution Date pursuant to clause (I)(b)(i) of this definition
of “REMIC II Distribution Amount”;

(ii)               
second, to the Class 2-CB-L and Class D-X-L Regular Interests, the
amount payable to each such Class of Regular Interests on prior
Distribution Dates pursuant to clause (I)(b)(iii) or (II)(b)(iii)
of this definition of “REMIC II Distribution Amount,”
and remaining unpaid, pro rata according to such amount payable to
the extent of amounts available;

(iii)              
third, to the Class 2-CB-L and Class D-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amount for
the Class 2-CB-L Regular Interest and (y) the portion of the
Interest Distribution Amount for the Class D-X-L Regular Interest
derived from the Group 2 Loans, in each case for the current
Distribution Date, pro rata according to their respective Interest
Distribution Amounts;

(iv)             
fourth, to the Class 2-CB-L Regular Interest, as principal, the
Group 2 Senior Principal Distribution Amount; and

(v)               
fifth, after any payments to the Group 1-L, Group 3-L, Group 4-L or
Group 5-L Regular Interests (and, if applicable, to the Certificate
Insurer) pursuant to the last paragraph of this definition of
“REMIC II Distribution Amount,” to the Class R-2
Residual Interest, the Residual Distribution Amount for Loan Group
2 for such Distribution Date.

(c)       
With respect to the Group 3-L and Class D-X-L Regular Interests, on
each Distribution Date on or after the Credit Support Depletion
Date, to the extent of the REMIC II Available Distribution Amount
for Loan Group 3 for such Distribution Date:

(i)                 
first, to the Class 3-CB-L and Class D-X-L Regular Interests, the
amount payable to each such Class of Regular Interests on prior
Distribution Dates pursuant to clause (I)(c)(ii) or (II)(c)(ii) of
this definition of “REMIC II Distribution Amount,” and
remaining unpaid, pro rata according to such amount payable to the
extent of amounts available;

(ii)               
second, to the Class 3-CB-L and Class D-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amount for
the Class 3-CB-L Regular Interest and (y) the portion of the
Interest Distribution Amount for the Class D-X-L Regular Interest
derived from the Group 3 Loans, in each case for the current
Distribution Date, pro rata according to their respective Interest
Distribution Amounts;

(iii)              
third, to the Class 3-CB-L Regular Interest, as principal, the
Group 3 Senior Principal Distribution Amount; and

(iv)             
fourth, after any payments to the Group 1-L, Group 2-L, Group 4-L
or Group 5-L Regular Interests (and, if applicable, to the
Certificate Insurer) pursuant to the last paragraph of this
definition of “REMIC II Distribution Amount,” to the
Class R-2 Residual Interest, the Residual Distribution Amount for
Loan Group 2 for such Distribution Date.

(d)       
With respect to the Group 4-L, Class D-P-L and Class D-X-L Regular
Interests, on each Distribution Date on or after the Credit Support
Depletion Date, to the extent of the REMIC II Available
Distribution Amount for Loan Group 4 for such Distribution
Date:

(i)                 
first, to the Class D-P-L Regular Interest, principal in the amount
that would otherwise be distributed to such Class on such
Distribution Date pursuant to clause (I)(d)(i) of this definition
of “REMIC II Distribution Amount”;

(ii)               
second, to the Group 4-A-L and Class D-X-L Regular Interests, the
amount payable to each such Class of Regular Interests on prior
Distribution Dates pursuant to clause (I)(d)(iii) or (II)(d)(iii)
of this definition of “REMIC II Distribution Amount,”
and remaining unpaid, pro rata according to such amount payable to
the extent of amounts available;

(iii)              
third, to the Group 4-A-L and Class D-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amounts for
the Group 4-A-L Regular Interests and (y) the portion of the
Interest Distribution Amount for the Class D-X-L Regular Interest
derived from the Group 4 Loans, in each case for the current
Distribution Date, pro rata according to their respective Interest
Distribution Amounts;

(iv)             
fourth, to the Group 4-A-L Regular Interests, pro rata according to
Class Principal Balance, as principal, the Group 4 Senior Principal
Distribution Amount; and

(v)               
fifth, after any payments to the Group 1-L, Group 2-L, Group 3-L or
Group 5-L Regular Interests (and, if applicable, to the Certificate
Insurer) pursuant to the last paragraph of this definition of
“REMIC II Distribution Amount,” to the Class R-2
Residual Interest, the Residual Distribution Amount for Loan Group
2 for such Distribution Date.

(e)       
With respect to the Group 5-L, Class C-P-L and Class C-X-L Regular
Interests, on each Distribution Date on or after the Credit Support
Depletion Date, to the extent of the REMIC II Available
Distribution Amount for Loan Group 5 for such Distribution
Date:

(i)                 
first, to the Class C-P-L Regular Interest, principal in the amount
that would otherwise be distributed to such Class on such
Distribution Date pursuant to clause (I)(e)(i) of this definition
of “REMIC II Distribution Amount”;

(ii)               
second, to the Group 5-A-L and Class C-X-L Regular Interests, the
amount payable to each such Class of Regular Interests on prior
Distribution Dates pursuant to clause (I)(e)(iii) or (II)(e)(iii)
of this definition of “REMIC II Distribution Amount,”
and remaining unpaid, pro rata according to such amount payable to
the extent of amounts available;

(iii)              
third, to the Group 5-A-L and Class C-X-L Regular Interests,
concurrently, the sum of (x) the Interest Distribution Amounts for
the Group 5-A-L Regular Interests and (y) the portion of the
Interest Distribution Amount for the Class C-X-L Regular Interest
derived from the Group 5 Loans, in each case for the current
Distribution Date, pro rata according to their respective Interest
Distribution Amounts;

(iv)             
fourth, to the Group 5-A-L Regular Interests, pro rata according to
Class Principal Balance, as principal, the Group 5 Senior Principal
Distribution Amount; and

(v)               
fifth, after any payments to the Group 1-L, Group 2-L, Group 3-L or
Group 4-L Regular Interests (and, if applicable, to the Certificate
Insurer) pursuant to the last paragraph of this definition of
“REMIC II Distribution Amount,” to the Class R-2
Residual Interest, the Residual Distribution Amount for the Loan
Group 5 for such Distribution Date.

If on
any Distribution Date any of Loan Group 1, Loan Group 2, Loan Group
3, Loan Group 4 or Loan Group 5 is an Undercollateralized Group and
the other such Loan Group or Groups is an Overcollateralized Group,
then the REMIC II Available Distribution Amount for the Regular
Interest Group or Groups related to the Overcollateralized Group or
Groups, to the extent remaining following distributions of interest
and principal to the Group 1-L, Group 2-L, Group 3-L, Group 4-L,
Group 5-L, Class C-P-L and Class D-P-L Regular Interests (and, if
applicable, payment of any Class CB-15 Reimbursement Amount to the
Certificate Insurer) pursuant to paragraph (II)(a)(i) through
(II)(a)(v), paragraph (II)(b)(i) through (II)(b)(iv), paragraph
(II)(c)(i) through (II)(c)(iii), paragraph (II)(d)(i) through
(II)(d)(iv) or paragraph (II)(e)(i) through (II)(e)(iv), as
applicable, shall be paid in the following priority: (1) first,
such remaining amount, up to the Total Transfer Amount for each
such Undercollateralized Group, pro rata according to the Total
Transfer Amount for each such Undercollateralized Group, shall be
distributed (a) first, to the Class A-L Regular Interests related
to each such Undercollateralized Group, in payment of any portion
of the Interest Distribution Amounts for such Classes of Regular
Interests remaining unpaid from such Distribution Date or previous
Distribution Dates, pro rata according to their respective shares
of such unpaid amounts, and (b) second, to the Class A-L Regular
Interests related to each such Undercollateralized Group, as
principal (plus, in the case of the Group 1-A-L Regular Interests,
to the Certificate Insurer in payment of any unpaid Class CB-15
Reimbursement Amount), pro rata according to Class Principal
Balance (or, in the case of the Certificate Insurer, according to
unpaid Class CB-15 Reimbursement Amount), and (2) second, any
remaining amount shall be distributed pursuant to paragraph
(II)(a)(vi)-(vii), (II)(b)(v), (II)(c)(iv), (II)(d)(v) and
(II)(e)(v) above, as applicable; provided that if there are
two Overcollateralized Groups and the remaining REMIC II Available
Distribution Amounts for the Regular Interest Groups related to
such Overcollateralized Groups exceeds the Total Transfer Amount
for the Undercollateralized Group, then the sum of such remaining
REMIC II Available Distribution Amounts shall be distributed to the
Regular Interest Group related to the Undercollateralized Group in
accordance with clause (1) of this paragraph pro rata according to
such remaining REMIC II Available Distribution Amounts.

REMIC II Regular Interests:
The Classes of undivided beneficial interests in REMIC II
designated as “regular interests” in the table titled
“REMIC II Interests” in the Preliminary Statement
hereto. The REMIC II Regular Interests, together with the Class R-2
Residual Interest, shall be deemed to be a separate series of
beneficial interests in the assets of the Trust consisting of the
REMIC II Assets pursuant to Section 3806(b)(2) of the Statutory
Trust Statute.

REMIC III: The segregated pool of
assets of the Trust consisting of the REMIC III Assets, which shall
be a REMIC pursuant to the Code, with respect to which a separate
REMIC election is to be made, and the beneficial interests in which
shall be the REMIC III Regular Interests and the Class R-3 Residual
Interest.

REMIC III Assets: The REMIC II Regular
Interests.

REMIC III Available Distribution
Amount: For the Group 1 Certificates, on any
Distribution Date, the aggregate of all distributions to the Group
1-L Regular Interests, and the portions of the distributions to the
Class C-P-L and Class C-X-L Regular Interests paid in respect of
Group 1 Loans, in each case pursuant to clauses (I)(a), (I)(f) and
(II)(a) of the definition of “REMIC II Distribution
Amount” (which amount shall be available for distributions to
the Group 1 Certificates (other than the Class CB-1, Class CB-3,
Class CB-9 and Class CB-13 Certificates); the Class CB-1-M, Class
CB-3-M, Class CB-9-M and Class CB-13-M Regular Interests; the Class
C-P and Class C-X Certificates; and the Class R-3 Residual
Interest, as provided herein). For the Group 2 Certificates, on any
Distribution Date, the aggregate of all distributions to the Group
2-L Regular Interest, and the portions of the distributions to the
Class D-P-L and Class D-X-L Regular Interests paid in respect of
Group 2 Loans, in each case pursuant to clauses (I)(b), (I)(f) and
(II)(b) of the definition of “REMIC II Distribution
Amount” (which amount shall be available for distributions to
the Group 2 Certificates, the Class D-P and Class D-X Certificates
and the Class R-3 Residual Interest as provided herein). For the
Group 3 Certificates, on any Distribution Date, the aggregate of
all distributions to the Group 3-L Regular Interest, and the
portions of the distributions to the Class D-X-L Regular Interest
paid in respect of Group 3 Loans, in each case pursuant to clauses
(I)(c), (I)(f) and (II)(c) of the definition of “REMIC II
Distribution Amount” (which amount shall be available for
distributions to the Group 3 and Class D-X Certificates and the
Class R-3 Residual Interest as provided herein). For the Group 4
Certificates, on any Distribution Date, the aggregate of all
distributions to the Group 4-L Regular Interests, and the portions
of the distributions to the Class D-P-L and Class D-X-L Regular
Interests paid in respect of Group 4 Loans, in each case pursuant
to clauses (I)(d), (I)(f) and (II)(d) of the definition of
“REMIC II Distribution Amount” (which amount shall be
available for distributions to the Group 4 Certificates, the Class
D-P and Class D-X Certificates and the Class R-3 Residual Interest
as provided herein). For the Group 5 Certificates, on any
Distribution Date, the aggregate of all distributions to the Group
5-L Regular Interests, and the portions of the distributions to the
Class C-P-L and Class C-X-L Regular Interests paid in respect of
Group 5 Loans, in each case pursuant to clauses (I)(e), (I)(f) and
(II)(e) of the definition of “REMIC II Distribution
Amount” (which amount shall be available for distributions to
the Group 5 Certificates (other than the Class 5-A-2 and Class
5-A-5 Certificates); the Class 5-A-2-M and Class 5-A-5-M Regular
Interests; the Class C-P and Class C-X Certificates; and the Class
R-3 Residual Interest, as provided herein). For the Class B
Certificates, on any Distribution Date, the aggregate of all
distributions to the Class B-L Regular Interests (which amount
shall be available for distributions to the Class B Certificates
and the Class R-3 Residual Interest as provided herein).

REMIC III Distribution Amount: 
The REMIC III Available Distribution Amount for any Distribution
Date shall be distributed to the Certificates (other than the Class
CB-1, Class CB-3, Class CB-9, Class CB-13, Class 5-A-2 and Class
5-A-5 Certificates); the Class CB-1-M, Class CB-3-M, Class CB-9-M,
Class CB-13-M, Class 5-A-2-M and Class 5-A-5-M Regular Interests;
and the Class R-3 Residual Interest in the following amounts and
priority:

(a)       
With respect to the Group 1 Certificates (other than the Class
CB-1, Class CB-3, Class CB-9 and Class CB-13 Certificates); the
Class CB-1-M, Class CB-3-M, Class CB-9-M, Class CB-13-M Regular
Interests; and the Class C-P and Class C-X Certificates, to the
extent of the REMIC III Available Distribution Amount for the Group
1 Certificates for such Distribution Date:

(i)                 
to each of the Class C-P and Class C-X Certificates, the portion of
the amounts distributed to its Corresponding Class in respect of
Group 1 Loans on such Distribution Date;

(ii)               
to each Class of Group 1 Certificates (other than the Class CB-1,
Class CB-2, Class CB-3, Class CB-4, Class CB-9, Class CB-10, Class
CB-13, Class CB-14, Class CB-15 and Class CB-16 Certificates), the
amounts (other than any Rounding Amount, Class CB-15 Covered Payoff
Shortfall Amount or Deficiency Amount) distributed to its
Corresponding Class on such Distribution Date; and

(iii)      
(A) to the Class CB-1-M Regular Interest, the amount distributed as
principal to its Corresponding Class on such Distribution Date; (B)
to each Class of the Class CB-1-M Regular Interest and the Class
CB-2 Certificates, the amount distributed as interest to the Class
CB-1-L Regular Interest on such Distribution Date, pro rata
according to, for each such Class, the product of 1/12 of the
Certificate Interest Rate for such Class and the Class Principal
Balance or Class Notional Amount, as applicable, for such Class
before allocating principal losses and giving effect to
distributions of principal on such Distribution Date; (C) to the
Class CB-3-M Regular Interest, the amount distributed as principal
to its Corresponding Class on such Distribution Date; (D) to each
Class of the Class CB-3-M Regular Interest and the Class CB-4
Certificates, the amount distributed as interest to the Class
CB-3-L Regular Interest on such Distribution Date, pro rata
according to, for each such Class, the product of 1/12 of the
Certificate Interest Rate for such Class and the Class Principal
Balance or Class Notional Amount, as applicable, for such Class
before allocating principal losses and giving effect to
distributions of principal on such Distribution Date; (E) to the
Class CB-9-M Regular Interest, the amount distributed as principal
to its Corresponding Class on such Distribution Date; (F) to each
Class of the Class CB-9-M Regular Interest and the Class CB-10
Certificates, the amount distributed as interest to the Class
CB-9-L Regular Interest on such Distribution Date, pro rata
according to, for each such Class, the product of 1/12 of the
Certificate Interest Rate for such Class and the Class Principal
Balance or Class Notional Amount, as applicable, for such Class
before allocating principal losses and giving effect to
distributions of principal on such Distribution Date; (G) to the
Class CB-13-M Regular Interest, the amount distributed as principal
to its Corresponding Class on such Distribution Date; (H) to each
Class of the Class CB-13-M Regular Interest and the Class CB-14
Certificates, the amount distributed as interest to the Class
CB-13-L Regular Interest on such Distribution Date, pro rata
according to, for each such Class, the product of 1/12 of the
Certificate Interest Rate for such Class and the Class Principal
Balance or Class Notional Amount, as applicable, for such Class
before allocating principal losses and giving effect to
distributions of principal on such Distribution Date; (I) to the
Class CB-15 Certificates, the amount distributed as principal to
its Corresponding Class on such Distribution Date and (J) to each
Class of the Class CB-15 Certificates and the Class CB-16
Certificates, the amount distributed as interest to the Class
CB-15-L Regular Interest on such Distribution Date, pro rata
according to, for each such Class, the product of 1/12 of the
Certificate Interest Rate for such Class and the Class Principal
Balance or Class Notional Amount, as applicable, for such Class
before allocating principal losses and giving effect to
distributions of principal on such Distribution Date;

(b)       
With respect to the Group 2, Class D-P and Class D-X Certificates,
to the extent of the REMIC III Available Distribution Amount for
the Group 2 Certificates for such Distribution Date:

(i)                 
to each of the Class D-P and Class D-X Certificates, the portion of
the amounts distributed to its Corresponding Class in respect of
Group 2 Loans on such Distribution Date; and

(ii)               
to each Class of Group 2 Certificates, the amounts distributed to
its Corresponding Class on such Distribution Date;

(c)       
With respect to the Group 3 and Class C-X Certificates, to the
extent of the REMIC III Available Distribution Amount for the Group
3 Certificates for such Distribution Date:

(i)        
to the Class C-X Certificates, the portion of the amounts
distributed to its Corresponding Class in respect of Group 3 Loans
on such Distribution Date; and

(ii)        to
each Class of Group 3 Certificates, the amounts distributed to its
Corresponding Class on such Distribution Date; 

(d)       
With respect to the Group 4, Class D-P and Class D-X Certificates,
to the extent of the REMIC III Available Distribution Amount for
the Group 4 Certificates for such Distribution Date:

(i)                 
to each of the Class D-P and Class D-X Certificates, the portion of
the amounts distributed to its Corresponding Class in respect of
Group 4 Loans on such Distribution Date; and

(ii)               
to each Class of Group 4 Certificates, the amounts distributed to
its Corresponding Class on such Distribution Date;

(e)       
With respect to the Group 5 Certificates (other than the Class
5-A-2 and Class 5-A-5 Certificates); the Class 5-A-2-M and Class
5-A-5-M Regular Interests; and the Class C-P and Class C-X
Certificates, to the extent of the REMIC III Available Distribution
Amount for the Group 5 Certificates for such Distribution
Date:

(i)                 
to each of the Class C-P and Class C-X Certificates, the portion of
the amounts distributed to its Corresponding Class in respect of
Group 5 Loans on such Distribution Date;

(ii)               
to each Class of Group 5 Certificates (other than the Class 5-A-2,
Class 5-A-3, Class 5-A-5 and Class 5-A-6 Certificates), the amounts
distributed to its Corresponding Class on such Distribution Date;
and

(iii)      
(A) to the Class 5-A-2-M Regular Interest, the amount distributed
as principal to its Corresponding Class on such Distribution Date;
(B) to each Class of the Class 5-A-2-M Regular Interest and the
Class 5-A-3 Certificates, the amount distributed as interest to the
Class 5-A-2-L Regular Interest on such Distribution Date, pro rata
according to, for each such Class, the product of 1/12 of the
Certificate Interest Rate for such Class and the Class Principal
Balance or Class Notional Amount, as applicable, for such Class
before allocating principal losses and giving effect to
distributions of principal on such Distribution Date; (C) to the
Class 5-A-5-M Regular Interest, the amount distributed as principal
to its Corresponding Class on such Distribution Date; and (D) to
each Class of the Class 5-A-5-M Regular Interest and the Class
5-A-6 Certificates, the amount distributed as interest to the Class
5-A-5-L Regular Interest on such Distribution Date, pro rata
according to, for each such Class, the product of 1/12 of the
Certificate Interest Rate for such Class and the Class Principal
Balance or Class Notional Amount, as applicable, for such Class
before allocating principal losses and giving effect to
distributions of principal on such Distribution Date;

(f)        
With respect to the Class B Certificates, to the extent of the
REMIC III Available Distribution Amount for the Class B
Certificates for such Distribution Date, to each such Class of
Certificates, the amounts distributed to its Corresponding Class on
such Distribution Date; and

(g)        To
the Class R-3 Residual Interest, the Residual Distribution Amount
for the Class R-3 Residual Interest for such Distribution
Date.

In each case where a distribution is
required to be made concurrently to two or more Classes of
Certificates pursuant to this definition of “REMIC III
Distribution Amount,” if the portion of the REMIC III
Available Distribution Amount from which such distribution is
required to be made is insufficient to make such distribution in
full to such Classes, such distribution shall be allocated among
such Classes pro rata according to the respective amounts to which
they are otherwise entitled from such distribution.

REMIC III Regular Interests: The
Classes of undivided beneficial interests in REMIC III designated
as “regular interests” in the table titled “REMIC
III Interests” in the Preliminary Statement hereto. The REMIC
III Regular Interests, together with the Class R-3 Residual
Interest, shall be deemed to be a separate series of beneficial
interests in the assets of the Trust consisting of the REMIC III
Assets pursuant to Section 3806(b)(2) of the Statutory Trust
Statute.

Residual Certificates:  The Class
R Certificates.

Residual Distribution Amount: For any
Distribution Date, with respect to the Class R-1 Residual Interest
and for Loan Group 1, Loan Group 2, Loan Group 3, Loan Group 4 and
Loan Group 5, any portion of the REMIC I Available Distribution
Amount for Loan Group 1, Loan Group 2, Loan Group 3, Loan Group 4
and Loan Group 5, respectively, remaining after all distributions
of such REMIC I Available Distribution Amount pursuant to clauses
(a), (b) and (c), as applicable, of the definition of “REMIC
I Distribution Amount” (other than the distributions pursuant
to the last subclause of clause (c)).

For
any Distribution Date, with respect to the Class R-2 Residual
Interest and for the Group 1-L, Group 2-L, Group 3-L, Group 4-L and
Group 5-L Regular Interests, any portion of the REMIC II Available
Distribution Amount for the Group 1-L, Group 2-L, Group 3-L, Group
4-L and Group 5-L Regular Interests, respectively, remaining after
all distributions of such REMIC II Available Distribution Amount
pursuant to clauses (I)(a), (I)(b), (I)(c), (I)(d), (I)(e), (I)(f),
(II)(a), (II)(b), (II)(c), (II)(d) and (II)(e), as applicable, of
the definition of “REMIC II Distribution Amount” (other
than the distributions pursuant to the last subclause of clauses
(I)(f), (II)(a), (II)(b), (II)(c), (II)(d) and (II)(e)).

For
any Distribution Date, with respect to the Class R-3 Residual
Interest, any portion of the REMIC III Available Distribution
Amount for the Group 1, Group 2, Group 3, Group 4, Group 5 and
Class B Certificates remaining after all distributions of the REMIC
III Available Distribution Amount pursuant to clauses (a), (b),
(c), (d), (e) and (f) of the definition of “REMIC III
Distribution Amount.”

Upon
termination of the obligations created by this Agreement and
liquidation of REMIC I, REMIC II and REMIC III, the amounts which
remain on deposit in the Certificate Account after payment to the
Holders of the REMIC I Regular Interests of the amounts set forth
in Section 9.01 of this Agreement, and subject to the conditions
set forth therein, shall be distributed to the Class R-1, Class R-2
and Class R-3 Residual Interests in accordance with the preceding
sentences of this definition as if the date of such distribution
were a Distribution Date.

Responsible Officer: When used with
respect to the Trustee or the Delaware Trustee, any officer
assigned to and working in the Corporate Trust Office (in the case
of the Trustee) or its corporate trust office (in the case of the
Delaware Trustee) or, in each case, 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.

Rounding Accounts: The Class CB-6
Rounding Account and the Class CB-15 Rounding Account, as
applicable.

Rounding Amount: With respect to each
Class of Special Retail Certificates and for each Distribution
Date, the amount of funds, if any, needed to be withdrawn from the
related Rounding Account and used to round the amount of any
distributions in reduction of the related Class Principal Balance
on any Distribution Date upward to the next higher integral
multiple of $1,000.

ROV Mortgage Loan:  A Mortgage
Loan originated by Washington Mutual Bank or an affiliate thereof
with respect to which the value set forth on the appraisal has been
appealed and, as a result, an internal valuation has been conducted
and included in a residential appraisal review contained in the
related credit file.

S&P: Standard & Poor’s
Ratings Services, a division of The McGraw-Hill Companies, Inc.,
provided that at any time it be a Rating Agency.

Secretary of State: The Secretary of
State of the State of Delaware.

Securities Act: The Securities Act of
1933, as amended.

Security Agreement: With respect to a
Cooperative Loan, the agreement or mortgage creating a security
interest in favor of the originator of the Cooperative Loan in the
related Cooperative Stock.

Selling and Servicing Contract: The
contract (including the Washington Mutual Mortgage Securities Corp.
Selling Guide and Washington Mutual Mortgage Securities Corp.
Servicing Guide to the extent incorporated by reference therein)
between the Company and a Person relating to the sale of the
Mortgage Loans to the Company.

Senior Regular Interests: The Group
1-A-L, Group 2-A-L, Group 3-A-L, Group 4-A-L and Group 5-A-L
Regular Interests.

Senior Subordinate Certificates: 
The Subordinate Certificates other than the Junior Subordinate
Certificates.

Servicer:  Washington Mutual
Bank, or any successor thereto appointed as provided pursuant to
Section 7.02, acting to service and administer the Mortgage Loans
pursuant to Section 3.01.

Servicer Business Day:  Any day
other than a Saturday, a Sunday, or a day on which banking
institutions in Seattle, Washington are authorized or obligated by
law or executive order to be closed.

Servicing Fee: For each Mortgage Loan,
the fee charged by the Servicer for servicing and advancing certain
expenses with respect to such Mortgage Loan, equal to 1/12 of the
product of (i) the Servicing Fee Rate for such Mortgage Loan and
(ii) the outstanding Principal Balance of such Mortgage Loan,
payable monthly from the Certificate Account, the Investment
Account or the Custodial Account for P&I.  In addition,
any prepayment penalty received on a Mortgage Loan will be paid as
additional servicing compensation to the Servicer.

Servicing Fee Rate:  For each
Mortgage Loan, the per annum rate set forth for such Mortgage Loan
in the Mortgage Loan Schedule.

Servicing Officer: Any officer of the
Servicer involved in, or responsible for, the administration and
servicing of the Mortgage Loans or the Certificates, as applicable,
whose name and specimen signature appear on a list of servicing
officers furnished to the Trustee by the Servicer, as such list may
from time to time be amended.

Special Primary Insurance Policy: Any
Primary Insurance Policy covering a Mortgage Loan the premium of
which is payable by the Trustee pursuant to Section 4.05(a), if so
identified in the Mortgage Loan Schedule. There are no Special
Primary Insurance Policies with respect to any of the Mortgage
Loans.

Special Primary Insurance Premium:
With respect to any Special Primary Insurance Policy, the monthly
premium payable thereunder.

Special Retail Certificates: The Class
CB-6 and Class CB-15 Certificates.

Statutory Trust Statute: Chapter 38 of
Title 12 of the Delaware Code, 12 Del.C. §3801 et
seq., as the same may be amended from time to time.

Step Down Percentage: For any
Distribution Date, the percentage indicated below:

	

Distribution Date
Occurring In

	

Step Down Percentage

	

June 2005 through May
2010

	

0%

	
June
2010 through May 2011

	

30%

	
June
2011 through May 2012

	

40%

	
June
2012 through May 2013

	

60%

	
June
2013 through May 2014

	

80%

	
June
2014 and after

	
100%

 

Streamlined Mortgage Loan:  A
Mortgage Loan originated in connection with the refinance of a
mortgage loan pursuant to the streamlined loan documentation
program then in effect of the seller from which the Company
acquired the Mortgage Loan.

Stripped Interest Rate: For each Group
1, Group 3, Group 4 or Group 5 Loan, the excess, if any, of
the Pass-Through Rate for such Mortgage Loan over 5.500% per annum.
For each Group 2 Loan, the excess, if any, of the Pass-Through Rate
for such Mortgage Loan over 5.000% per annum.

Subordinate Certificates:  The
Class B Certificates.

Subordinate Component Balance: With
respect to Loan Group 1 for any date of determination, the then
outstanding aggregate Principal Balance of the Group 1 Loans (less
the applicable Class 1-P Fraction thereof with respect to any Class
1-P Mortgage Loan) minus the then outstanding aggregate Class
Principal Balance of the Group 1-A Certificates and Residual
Certificates. With respect to Loan Group 2 for any date of
determination, the then outstanding aggregate Principal Balance of
the Group 2 Loans (less the applicable Class 2-P Fraction thereof
with respect to any Class 2-P Mortgage Loan) minus the then
outstanding Class 2-CB Principal Balance. With respect to Loan
Group 3 for any date of determination, the then outstanding
aggregate Principal Balance of the Group 3 Loans minus the then
outstanding Class 3-CB Principal Balance. With respect to Loan
Group 4 for any date of determination, the then outstanding
aggregate Principal Balance of the Group 4 Loans (less the
applicable Class 4-P Fraction thereof with respect to any Class 4-P
Mortgage Loan) minus the then outstanding aggregate Class Principal
Balance of the Group 4-A Certificates. With respect to Loan Group 5
for any date of determination, the then outstanding aggregate
Principal Balance of the Group 5 Loans (less the applicable Class
5-P Fraction thereof with respect to any Class 5-P Mortgage Loan)
minus the then outstanding aggregate Class Principal Balance of the
Group 5-A Certificates.

Subordinate Liquidation Amount: For
any Distribution Date, the excess, if any, of the sum of (A) the
aggregate of Liquidation Principal for all Mortgage Loans which
became Liquidated Mortgage Loans during the Prior Period and (B)
any Subsequent Recoveries for such Distribution Date for Loan Group
1, Loan Group 2, Loan Group 3, Loan Group 4 and Loan Group 5, over
the sum of the Group 1 Senior Liquidation Amount, the Group 2
Senior Liquidation Amount, the Group 3 Senior Liquidation Amount,
the Group 4 Senior Liquidation Amount and the Group 5 Senior
Liquidation Amount for such Distribution Date.

Subordinate Percentage:  The
Group 1 Subordinate Percentage, Group 2 Subordinate Percentage,
Group 3 Subordinate Percentage, Group 4 Subordinate Percentage or
Group 5 Subordinate Percentage, as applicable.

Subordinate Principal Distribution
Amount: For any Distribution Date, the excess of (A) the
sum of (i) the Group 1 Subordinate Percentage of the Principal
Payment Amount for Loan Group 1 (exclusive of the portion thereof
attributable to principal distributions to the Class C-P-L Regular
Interest pursuant to clause (I)(a)(i) of the definition of
“REMIC II Distribution Amount”), (ii) the Group 2
Subordinate Percentage of the Principal Payment Amount for Loan
Group 2 (exclusive of the portion thereof attributable to principal
distributions to the Class D-P-L Regular Interest pursuant to
clause (I)(b)(i) of the definition of “REMIC II Distribution
Amount”), (iii) the Group 3 Subordinate Percentage of
the Principal Payment Amount for Loan Group 3, (iv) the Group 4
Subordinate Percentage of the Principal Payment Amount for Loan
Group 4 (exclusive of the portion thereof attributable to principal
distributions to the Class D-P-L Regular Interest pursuant to
clause (I)(d)(i) of the definition of “REMIC II Distribution
Amount”), (v) the Group 5 Subordinate Percentage of the
Principal Payment Amount for Loan Group 5 (exclusive of the portion
thereof attributable to principal distributions to the Class C-P-L
Regular Interest pursuant to clause (I)(e)(i) of the definition of
“REMIC II Distribution Amount”), (vi) the
Subordinate Principal Prepayments Distribution Amount (without
regard to the proviso in the definition thereof) and (vii) the
Subordinate Liquidation Amount over (B) the sum of (x) the amounts
required to be distributed to the Class C-P-L and Class D-P-L
Regular Interests pursuant to clauses (I)(f)(i) and (I)(f)(ii) of
the definition of “REMIC II Distribution Amount” on
such Distribution Date, (y) in the event that the aggregate Class
Principal Balance of any of the Group 1-A-L, Group 2-A-L, Group
3-A-L, Group 4-A-L or Group 5-A-L Regular Interests has been
reduced to zero, principal paid from the REMIC II Available
Distribution Amount related to such Class A-L Regular Interests to
the remaining Class A-L Regular Interests and the Certificate
Insurer, as set forth in clause (X) of the sentence immediately
following paragraph (I)(f) of the definition of “REMIC II
Distribution Amount,” and (z) the amounts paid from the REMIC
II Available Distribution Amount for an Overcollateralized Group to
the Class A-L Regular Interests related to an Undercollateralized
Group and the Certificate Insurer pursuant to clause (Y) of the
sentence immediately following paragraph (I)(f) of the definition
of “REMIC II Distribution Amount.”

On any
Distribution Date, the Subordinate Principal Distribution Amount
shall be allocated pro rata, by Class Principal Balance, among the
Classes of Class B-L Regular Interests and paid in the order of
distribution to such Classes pursuant to clause (I)(f) of the
definition of “REMIC II Distribution Amount” except as
otherwise stated in such definition. Notwithstanding the foregoing,
on any Distribution Date prior to distributions on such date, if
the Subordination Level for any Class of Class B-L Regular
Interests is less than such Subordination Level as of the Closing
Date, the pro rata portion of the Subordinate Principal Prepayments
Distribution Amount otherwise allocable to the Class or Classes of
Class B-L Regular Interests junior to such Class will be
distributed to the most senior Class of Class B-L Regular Interests
for which the Subordination Level is less than the Subordination
Level as of the Closing Date, and to the Class or Classes of Class
B-L Regular Interests senior thereto, pro rata according to the
Class Principal Balances of such Classes. For purposes of this
definition and the definition of “Subordination Level,”
the relative seniority, from highest to lowest, of the Class B-L
Regular Interests shall be as follows: Class B-1-L, Class B-2-L,
Class B-3-L, Class B-4-L, Class B-5-L and Class B-6-L.

Subordinate Principal Prepayments Distribution
Amount: For any Distribution Date, the sum of (i) the
Group 1 Subordinate Prepayment Percentage of the Principal
Prepayment Amount for Loan Group 1 (exclusive of the portion
thereof attributable to principal distributions to the Class C-P-L
Regular Interest pursuant to clause (I)(a)(i) of the definition of
“REMIC II Distribution Amount”), (ii) the Group 2
Subordinate Prepayment Percentage of the Principal Prepayment
Amount for Loan Group 2 (exclusive of the portion thereof
attributable to principal distributions to the Class D-P-L Regular
Interest pursuant to clause (I)(b)(i) of the definition of
“REMIC II Distribution Amount”), (iii) the Group 3
Subordinate Prepayment Percentage of the Principal Prepayment
Amount for Loan Group 3, (iv) the Group 4 Subordinate Prepayment
Percentage of the Principal Prepayment Amount for Loan Group 4
(exclusive of the portion thereof attributable to principal
distributions to the Class D-P-L Regular Interest pursuant to
clause (I)(d)(i) of the definition of “REMIC II Distribution
Amount”) and (v) the Group 5 Subordinate Prepayment
Percentage of the Principal Prepayment Amount for Loan Group 5
(exclusive of the portion thereof attributable to principal
distributions to the Class C-P-L Regular Interests pursuant to
clause (I)(e)(i) of the definition of “REMIC II Distribution
Amount”); provided, however, that if the amount
specified in clause (B) of the definition of “Subordinate
Principal Distribution Amount” is greater than the sum of the
amounts specified in clauses (A)(i), (A)(ii), (A)(iii), (A)(iv),
(A)(v) and (A)(vii) of such definition, then the Subordinate
Principal Prepayments Distribution Amount shall be reduced by the
amount of such excess.

Subordination Level: On any specified
date, with respect to any Class of Class B-L Regular Interests, the
percentage obtained by dividing the aggregate Class Principal
Balance of the Classes of Class B-L Regular Interests which are
subordinate in right of payment to such Class by the aggregate
Class Principal Balance of the REMIC II Regular Interests and the
Class R-1 Residual Interest as of such date prior to giving effect
to distributions of principal and interest and allocations of
Realized Losses on the Mortgage Loans on such date.

Subsequent Recoveries: For any
Distribution Date and any Loan Group, amounts received by the
Servicer during the Prior Period (after deduction of amounts
reimbursable under Section 3.05(a)(i) and (ii)) in connection with
the liquidation of defaulted Mortgage Loans in such Loan Group
after such Mortgage Loans became Liquidated Mortgage Loans, for
each such Mortgage Loan up to the amount of Realized Losses, if
any, previously allocated in respect of such Mortgage Loan in
reduction of the Class Principal Balance of any Class of
Certificates.

Substitute Mortgage Loan: A Mortgage
Loan which is substituted for another Mortgage Loan pursuant to and
in accordance with the provisions of Section 2.07.

Tax Matters Person: With respect to
each of REMIC I, REMIC II and REMIC III, a Holder of a Class R
Certificate with a Percentage Interest of at least 0.01% or any
Permitted Transferee of such Class R Certificateholder designated
as succeeding to the position of Tax Matters Person in a notice to
the Trustee signed by authorized representatives of the transferor
and transferee of such Class R Certificate. The Servicer is hereby
appointed to act as the Tax Matters Person for REMIC I, REMIC II
and REMIC III so long as it holds a Class R Certificate with a
Percentage Interest of at least 0.01%.  The Servicer is hereby
appointed to act as agent for the Tax Matters Person for REMIC I,
REMIC II and REMIC III, to perform the functions of such Tax
Matters Person as provided herein, so long as an affiliate of the
Servicer is the Servicer hereunder, in the event that the Servicer
ceases to hold a Class R Certificate with the required Percentage
Interest. If the Tax Matters Person for REMIC I, REMIC II and REMIC
III becomes a Disqualified Organization, the last preceding Holder,
that is not a Disqualified Organization, of the Class R Certificate
held by the Disqualified Organization shall be Tax Matters Person
pursuant to and as permitted by Section 5.01(c). If any Person is
appointed as tax matters person by the Internal Revenue Service
pursuant to the Code, such Person shall be Tax Matters Person.

Termination Date: The date upon which
final payment of the Certificates will be made pursuant to the
procedures set forth in Section 9.01(b).

Termination Payment: The final payment
delivered to the Certificateholders on the Termination Date
pursuant to the procedures set forth in Section 9.01(b).

Total Transfer Amount:  For any
Distribution Date and for an Undercollateralized Group, an amount
equal to the sum of the Interest Transfer Amount and the Principal
Transfer Amount for such Undercollateralized Group.

Transfer:  Any direct or indirect
transfer or sale of any Ownership Interest in a Residual
Certificate.

Transferee: Any Person who is
acquiring by Transfer any Ownership Interest in a Residual
Certificate.

Transferee Affidavit and Agreement: An
affidavit and agreement in the form attached hereto as Exhibit
J.

Trust: Washington Mutual Mortgage
Pass-Through Certificates WMALT Series 2005-4 Trust, a Delaware
statutory trust, created pursuant to this Agreement.

Trustee: LaSalle Bank National
Association, or its successor-in-interest as provided in Section
8.09, or any successor trustee appointed as herein provided.

Uncollected Interest: With respect to
any Distribution Date for any Mortgage Loan on which a Payoff was
made by a Mortgagor during the related Payoff Period, except for
Payoffs received during the period from the first through the 14th
day of the month of such Distribution Date, an amount equal to one
month’s interest at the applicable Pass-Through Rate on such
Mortgage Loan less the amount of interest actually paid by the
Mortgagor with respect to such Payoff.

Uncompensated Interest Shortfall: With
respect to a Loan Group, for any Distribution Date, the sum of (i)
the aggregate Relief Act Shortfall for such Distribution Date with
respect to the Mortgage Loans in such Loan Group, (ii) aggregate
Curtailment Shortfall for such Distribution Date with respect to
the Mortgage Loans in such Loan Group and (iii) the excess, if any,
of (a) aggregate Uncollected Interest for such Distribution Date
with respect to the Mortgage Loans in such Loan Group over (b)
Compensating Interest for such Distribution Date with respect to
the Mortgage Loans in such Loan Group.

Uncompensated Interest Shortfall for Loan Group 1
shall be allocated to the Group 1-A-L Regular Interests and the
portions of the Class C-X-L and Class B-L Regular Interests that
derive their Interest Distribution Amounts from the Group 1 Loans,
pro rata according to the amount of interest accrued but unpaid on
each such Class or portion thereof, in reduction
thereof.

Uncompensated Interest Shortfall for Loan Group 2
shall be allocated to the Group 2-A-L Regular Interest and the
portions of the Class D-X-L and Class B-L Regular Interests that
derive their Interest Distribution Amounts from the Group 2 Loans,
pro rata according to the amount of interest accrued but unpaid on
each such Class or portion thereof, in reduction
thereof.

Uncompensated Interest Shortfall for Loan Group 3
shall be allocated to the Group 3-A-L Regular Interest and the
portions of the Class D-X-L and Class B-L Regular Interests that
derive their Interest Distribution Amounts from the Group 3 Loans,
pro rata according to the amount of interest accrued but unpaid on
each such Class or portion thereof, in reduction
thereof.

Uncompensated Interest Shortfall for Loan Group 4
shall be allocated to the Group 4-A-L Regular Interests and the
portions of the Class D-X-L and Class B-L Regular Interests that
derive their Interest Distribution Amounts from the Group 4 Loans,
pro rata according to the amount of interest accrued but unpaid on
each such Class or portion thereof, in reduction
thereof.

Uncompensated Interest Shortfall for Loan Group 5
shall be allocated to the Group 5-A-L Regular Interests and the
portions of the Class C-X-L and Class B-L Regular Interests that
derive their Interest Distribution Amounts from the Group 5 Loans,
pro rata according to the amount of interest accrued but unpaid on
each such Class or portion thereof, in reduction
thereof.

The  aggregate of Uncompensated Interest
Shortfall for Loan Group 1, Loan Group 3, Loan Group 4 and Loan
Group 5 shall be allocated, first, (i) to the Class C-X-M Regular
Interest, in an amount equal to the aggregate amount of
Uncompensated Interest Shortfall allocated to the Class C-X-L
Regular Interest, in reduction of the Interest Distribution Amount
to which such Class of Regular Interests would otherwise be
entitled and (ii) to the portion of the Class D-X-M Regular
Interest that derives its Interest Distribution Amount from the
Group 3 and Group 4 Loans, and, second, the remainder of such
Uncompensated Interest Shortfall shall be allocated between the
Class C-Y-1 and Class C-Z-1 Regular Interests, pro rata according
to the amount of the Interest Distribution Amount to which each
such Class of Regular Interests would otherwise be entitled in
reduction thereof.

Uncompensated Interest Shortfall for Loan Group 2
shall be allocated to the Class C-Y-1 and Class C-Z-1 Regular
Interests and the portion of the Class D-X-M Regular Interest that
derives its Interest Distribution Amount from the Group 2 Loans,
pro rata according to the amount of the Interest Distribution
Amount to which each such Class of Regular Interests or portion
thereof would otherwise be entitled in reduction
thereof.

Undercollateralized Group: For
any Distribution Date, Loan Group 1, if immediately prior to such
Distribution Date the aggregate Class Principal Balance of the
Group 1-A-L Regular Interests and the Residual Certificates (plus
any unpaid Class CB-15 Reimbursement Amount) is greater than the
aggregate Principal Balance of the Group 1 Loans (less the
applicable Class 1-P Fraction thereof with respect to each Class
1-P Mortgage Loan); for any Distribution Date, Loan Group 2, if
immediately prior to such Distribution Date the aggregate Class
Principal Balance of the Group 2-A-L Regular Interest is greater
than the aggregate Principal Balance of the Group 2 Loans (less the
applicable Class 2-P Fraction thereof with respect to each Class
2-P Mortgage Loan); for any Distribution Date, Loan Group 3, if
immediately prior to such Distribution Date the aggregate Class
Principal Balance of the Group 3-A-L Regular Interest is greater
than the aggregate Principal Balance of the Group 3 Loans; for any
Distribution Date, Loan Group 4, if immediately prior to such
Distribution Date the aggregate Class Principal Balance of the
Group 4-A-L Regular Interests is greater than the aggregate
Principal Balance of the Group 4 Loans (less the applicable Class
4-P Fraction thereof with respect to each Class 4-P Mortgage Loan);
and for any Distribution Date, Loan Group 5, if immediately prior
to such Distribution Date the Class Principal Balance of the Group
5-A-L Regular Interests is greater than the aggregate Principal
Balance of the Group 5 Loans (less the applicable Class 5-P
Fraction thereof with respect to each Class 5-P Mortgage Loan).

Underwriter: WaMu Capital Corp.

Underwriting
Standards: The underwriting standards of Washington
Mutual Bank, or the published underwriting standards of the
Company, or, if the related Mortgage Loan was underwritten pursuant
to underwriting standards other than the published underwriting
standards of the Company, then such other underwriting
standards.

Uninsured Cause: Any cause of damage
to a Mortgaged Property, the cost of the complete restoration of
which is not fully reimbursable under the hazard insurance policies
required to be maintained pursuant to Section 3.07.

U.S. 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, or an estate or trust
that is subject to U.S. federal income tax regardless of the source
of its income.

VA: The Department of Veterans
Affairs, formerly known as the Veterans Administration, or any
successor thereto.

Withdrawal Date: Any day during the
period commencing on the 18th day of the month of the related
Distribution Date (or if such day is not a Business Day, the
immediately preceding Business Day) and ending on the last Business
Day prior to the 21st day of the month of such Distribution Date. The “related Due Date” for any Withdrawal Date
is the Due Date immediately preceding the related Distribution
Date.

Yield Maintenance Account:  The
separate trust account maintained and held by the Trustee pursuant
to Section 3.16, which account shall bear a designation clearly
indicating that the funds deposited therein are held in trust for
the benefit of the Trust on behalf of the Class CB-1, Class
CB-3, Class CB-9, Class CB-13, Class 5-A-2 and Class 5-A-5
Certificateholders, and which account provides that the Trustee may
make, or cause to be made, withdrawals therefrom in accordance with
Section 3.16.

Yield Maintenance Agreements: 
The transactions evidenced by the novation agreement, together with
the related confirmations, each dated as of May 25, 2005, and any
other related documents thereto, between the applicable Cap
Counterparty and the Trustee, which shall be an asset of the
Trust.

Yield Maintenance Notional
Balance:  For the Class CB-1, Class CB-3,
Class CB-9, Class CB-13, Class 5-A-2 and Class 5-A-5 Certificates
and for any Distribution Date from and including June 2005 to and
including the related Final Yield Maintenance Payment Date, the
corresponding amount listed for such Class and such Distribution
Date in Schedule 1 of the Prospectus.

Yield Maintenance Payment
Amount:  For the Class CB-1 Certificates and
for any Distribution Date on or before the related Final Yield
Maintenance Payment Date, the lesser of (a) the amounts received by
the Trustee pursuant to the Yield Maintenance Agreement with
respect to the Class CB-1 Certificates for such Distribution
Date and deposited by the Trustee into the Yield Maintenance
Account in accordance with Section 3.16 and (b) the product of (i)
the excess, if any, of (x) LIBOR (as determined on the LIBOR
Determination Date by the applicable Cap Counterparty), subject to
a maximum of 8.550%, over (y) 5.050%, (ii) the lesser of
(a) the Class CB-1 Principal Balance immediately prior to such
Distribution Date and (b) the related Yield Maintenance
Notional Balance for such Distribution Date and (iii)
one-twelfth.

For
the Class CB-3 Certificates and for any Distribution Date on
or before the related Final Yield Maintenance Payment Date, the
lesser of (a) the amounts received by the Trustee pursuant to the
Yield Maintenance Agreement with respect to the Class CB-3
Certificates for such Distribution Date and deposited by the
Trustee into the Yield Maintenance Account in accordance with
Section 3.16 and (b) the product of (i) the excess, if any, of (x)
LIBOR (as determined on the LIBOR Determination Date by the
applicable Cap Counterparty), subject to a maximum of 8.550%, over
(y) 5.050%, (ii) the lesser of (a) the Class CB-3 Principal
Balance immediately prior to such Distribution Date and
(b) the related Yield Maintenance Notional Balance for such
Distribution Date and (iii) one-twelfth.

For
the Class CB-9 Certificates and for any Distribution Date on
or before the related Final Yield Maintenance Payment Date, the
lesser of (a) the amounts received by the Trustee pursuant to the
Yield Maintenance Agreement with respect to the Class CB-9
Certificates for such Distribution Date and deposited by the
Trustee into the Yield Maintenance Account in accordance with
Section 3.16 and (b) the product of (i) the excess, if any, of (x)
LIBOR (as determined on the LIBOR Determination Date by the
applicable Cap Counterparty), subject to a maximum of 8.600%, over
(y) 5.100%, (ii) the lesser of (a) the Class CB-9 Principal
Balance immediately prior to such Distribution Date and
(b) the related Yield Maintenance Notional Balance for such
Distribution Date and (iii) one-twelfth.

For
the Class CB-13 Certificates and for any Distribution Date on
or before the related Final Yield Maintenance Payment Date, the
lesser of (a) the amounts received by the Trustee pursuant to the
Yield Maintenance Agreement with respect to the Class CB-13
Certificates for such Distribution Date and deposited by the
Trustee into the Yield Maintenance Account in accordance with
Section 3.16 and (b) the product of (i) the excess, if any, of (x)
LIBOR (as determined on the LIBOR Determination Date by the
applicable Cap Counterparty), subject to a maximum of 8.500%, over
(y) 5.000%, (ii) the lesser of (a) the Class CB-13 Principal
Balance immediately prior to such Distribution Date and
(b) the related Yield Maintenance Notional Balance for such
Distribution Date and (iii) one-twelfth.

For
the Class 5-A-2 Certificates and for any Distribution Date on
or before the related Final Yield Maintenance Payment Date, the
lesser of (a) the amounts received by the Trustee pursuant to the
Yield Maintenance Agreement with respect to the Class 5-A-2
Certificates for such Distribution Date and deposited by the
Trustee into the Yield Maintenance Account in accordance with
Section 3.16 and (b) the product of (i) the excess, if any, of (x)
LIBOR (as determined on the LIBOR Determination Date by the
applicable Cap Counterparty), subject to a maximum of 8.950%, over
(y) 4.950%, (ii) the lesser of (a) the Class 5-A-2 Principal
Balance immediately prior to such Distribution Date and
(b) the related Yield Maintenance Notional Balance for such
Distribution Date and (iii) one-twelfth.

For
the Class 5-A-5 Certificates and for any Distribution Date on
or before the related Final Yield Maintenance Payment Date, the
lesser of (a) the amounts received by the Trustee pursuant to the
Yield Maintenance Agreement with respect to the Class 5-A-5
Certificates for such Distribution Date and deposited by the
Trustee into the Yield Maintenance Account in accordance with
Section 3.16 and (b) the product of (i) the excess, if any, of (x)
LIBOR (as determined on the LIBOR Determination Date by the
applicable Cap Counterparty), subject to a maximum of 8.900%, over
(y) 4.900%, (ii) the lesser of (a) the Class 5-A-5 Principal
Balance immediately prior to such Distribution Date and
(b) the related Yield Maintenance Notional Balance for such
Distribution Date and (iii) one-twelfth.

ARTICLE II

Creation of the Trust; Conveyance of the Mortgage Pool Assets,
REMIC I Regular Interests,

REMIC II Regular Interests and REMIC III
Regular Interests; REMIC Election and Designations;
Original Issuance of Certificates

Section
2.01.       
Creation of the Trust. 
The Trust is hereby created and shall be known as “Washington
Mutual Mortgage Pass-Through Certificates WMALT Series 2005-4
Trust”. The purpose of the Trust is, and the Trust shall have
the power and authority, to engage in the following activities, all
as provided by and subject to the terms of this Agreement:

(i)        
to acquire, hold, lease, manage, administer, control, invest,
reinvest, operate and/or transfer the Mortgage Pool Assets, the
REMIC II Assets, the REMIC III Assets and the Yield Maintenance
Agreements;

(ii)        to
issue the REMIC I Regular Interests, the REMIC II Regular
Interests, the REMIC III Regular Interests, the Class R-1, Class
R-2 and Class R-3 Residual Interests and the
Certificates;

(iii)       to make
distributions to the REMIC I Regular Interests, the REMIC II
Regular Interests, the REMIC III Regular Interests and the
Certificates; and

(iv)       to
engage in such other activities, including entering into
agreements, as are described in or required by the terms of this
Agreement or as are necessary, suitable or convenient to accomplish
the foregoing or incidental thereto.

LaSalle Bank National Association
is hereby appointed as a trustee of the Trust, to have all the
rights, duties and obligations of the Trustee with respect to the
Trust expressly set forth hereunder, and LaSalle Bank National
Association hereby accepts such appointment and the Trust created
hereby.  Christiana Bank & Trust Company is hereby
appointed as a Delaware trustee of the Trust, to have all the
rights, duties and obligations of the Delaware Trustee with respect
to the Trust hereunder, and Christiana Bank & Trust Company
hereby accepts such appointment and the Trust created hereby. 
It is the intention of the Company, the Servicer, the Trustee and
the Delaware Trustee that the Trust constitute a statutory trust
under the Statutory Trust Statute, that this Agreement constitute
the governing instrument of the Trust, and that this Agreement
amend and restate the Original Trust Agreement.  The parties
hereto acknowledge and agree that, prior to the execution and
delivery hereof, the Delaware Trustee has filed the Certificate of
Trust.  The parties hereto acknowledge that the Trust includes
three separate pools of mortgage loans referred to herein as
“Loan Groups” constituting separate subtrusts for ERISA
purposes, and that the assets of each Loan Group are available to
make payments to the holders of Certificates as provided in the
definitions of “REMIC I Distribution Amount,”
“REMIC II Distribution Amount” and “REMIC III
Distribution Amount,” Section 4.01, Section 4.04 and Section
4.05 hereof.

The
assets of the Trust shall remain in the custody of the Trustee (or
Custodian), on behalf of the Trust, and shall be owned by the Trust
except as otherwise expressly set forth herein.  Moneys to the
credit of the Trust shall be held by the Trustee and invested as
provided herein.  All assets received and held in the Trust
will not be subject to any right, charge, security interest, lien
or claim of any kind in favor of either of LaSalle Bank National
Association or Christiana Bank & Trust Company in its own
right, or any Person claiming through it.  Neither the Trustee
nor the Delaware Trustee, on behalf of the Trust, shall have the
power or authority to transfer, assign, hypothecate, pledge or
otherwise dispose of any of the assets of the Trust to any Person,
except as permitted herein.  No creditor of a beneficiary of
the Trust, of the Trustee, of the Delaware Trustee, of the Servicer
or of the Company shall have any right to obtain possession of, or
otherwise exercise legal or equitable remedies with respect to, the
property of the Trust, except in accordance with the terms of this
Agreement.

Section
2.02.       
Restrictions on Activities of the
Trust. Notwithstanding any other provision of this
Agreement and any provision of law that otherwise so empowers the
Trust, so long as any Certificates are outstanding, the Trust shall
not, and none of the Trustee, the Delaware Trustee, the Company or
the Servicer shall knowingly cause the Trust to, do any of the
following:

(i)        
engage in any business or activity other than those set forth in
Section 2.01;

(ii)       
incur or assume any indebtedness except for such indebtedness that
may be incurred by the Trust in connection with the execution or
performance of this Agreement or any other agreement contemplated
hereby;

(iii)      
guarantee or otherwise assume liability for the debts of any other
party;

(iv)       do any
act in contravention of this Agreement or any other agreement
contemplated hereby to which the Trust is a party;

(v)        do
any act which would make it impossible to carry on the ordinary
business of the Trust;

(vi)       confess
a judgment against the Trust;

(vii)      possess or
assign the assets of the Trust for other than a Trust
purpose;

(viii)      cause the
Trust to lend any funds to any entity, except as contemplated by
this Agreement; or

(ix)       change
the purposes and powers of the Trust from those set forth in this
Agreement.

Section
2.03.       
Separateness Requirements.
Notwithstanding any other provision of this Agreement and any
provision of law that otherwise so empowers the Trust, so long as
any Certificates are outstanding, the Trust shall perform the
following:

(i)        
except as expressly permitted by this Agreement or the Custodial
Agreement, maintain its books, records, bank accounts and files
separate from those of any other Person;

(ii)       
except as expressly permitted by this Agreement, maintain its
assets in its own separate name and in such a manner that it is not
costly or difficult to segregate, identify, or ascertain such
assets;

(iii)      
consider the interests of the Trust's creditors in connection with
its actions;

(iv)       hold
itself out to creditors and the public as a legal entity separate
and distinct from any other Person and correct any known
misunderstanding regarding its separate identity and refrain from
engaging in any activity that compromises the separate legal
identity of the Trust;

(v)       
prepare and maintain separate records, accounts and financial
statements in accordance with generally accepted accounting
principles, consistently applied, and susceptible to audit. 
To the extent it is included in consolidated financial statements
or consolidated tax returns, such financial statements and tax
returns will reflect the separateness of the respective entities
and indicate that the assets of the Trust will not be available to
satisfy the debts of any other Person;

(vi)       allocate
and charge fairly and reasonably any overhead shared with any other
Person;

(vii)      transact all
business with affiliates on an arm's-length basis and pursuant to
written, enforceable agreements;

(viii)      conduct
business solely in the name of the Trust.  In that regard all
written and oral communications of the Trust, including, without
limitation, letters, invoices, purchase orders and contracts, shall
be made solely in the name of the Trust;

(ix)       maintain
a separate office through which its business shall be conducted,
provided that such office may be an office of the Trustee, which
office shall not be shared with the Company or any affiliates of
the Company;

(x)        in
the event that services have been or are in the future performed or
paid by any Person on behalf of the Trust (other than the Trustee,
the Delaware Trustee, the Servicer or the Tax Matters Person as
permitted herein), reimburse such Person, as applicable, for the
commercially reasonable value of such services or expenses provided
or incurred by such Person.  Accordingly, (i) the Trust shall
reimburse such Person, as applicable, for the commercially
reasonable value of such services or expenses provided or incurred
by such Person; (ii) to the extent invoices for such services are
not allocated and separately billed to the Trust, the amount
thereof that was or is to be allocated and separately billed to the
Trust was or will be reasonably related to the services provided to
the Trust; and (iii) any other allocation of direct, indirect or
overhead expenses for items shared between the Trust and any other
Person, was or will be, to the extent practicable, allocated on the
basis of actual use or value of services rendered or otherwise on a
basis reasonably related to actual use or the value of services
rendered;

(xi)       except
as expressly permitted by this Agreement, not commingle its assets
or funds with those of any other Person;

(xii)      except as
expressly permitted by this Agreement, not assume, guarantee, or
pay the debts or obligations of any other Person;

(xiii)      except as
expressly permitted by this Agreement, not pledge its assets for
the benefit of any other Person;

(xiv)    
not hold out its credit or assets as being available to satisfy the
obligations of others;

(xv)      pay its
liabilities only out of its funds;

(xvi)    
pay the salaries of its own employees, if any; and

(xvii)     cause the agents
and other representatives of the Trust, if any, to act at all times
with respect to the Trust consistently and in furtherance of the
foregoing.

None
of the Trustee, the Delaware Trustee, the Company or the Servicer
shall  take any action that is inconsistent with the purposes
of the Trust or Section 2.02 or Section 2.03.  Neither the
Company nor the Servicer shall direct the Trustee or the Delaware
Trustee to take any action that is inconsistent with the purposes
of the Trust or Section 2.02 or Section 2.03.

Section
2.04.       
Conveyance of Mortgage Pool Assets; Security
Interest.

Concurrently with the execution and delivery
hereof, the Company does hereby irrevocably sell, transfer, assign,
set over and otherwise convey to the Trust, without recourse, all
the Company’s right, title and interest in and to the
Mortgage Pool Assets (such transfer and assignment by the Company
to be referred to herein as the
“Conveyance”).

It is
the express intent of the parties hereto that the Conveyance of the
Mortgage Pool Assets to the Trust by the Company as provided in
this Section 2.04 be, and be construed as, an absolute sale of the
Mortgage Pool Assets. It is, further, not the intention of the
parties that such Conveyance be deemed the grant of a security
interest in the Mortgage Pool Assets by the Company to the Trust to
secure a debt or other obligation of the Company. However, in the
event that, notwithstanding the intent of the parties, the Mortgage
Pool Assets are held to be the property of the Company, or if for
any other reason this Agreement is held or deemed to create a
security interest in the Mortgage Pool Assets, then

(a)       
this Agreement shall constitute a security agreement;

(b)        the
conveyance provided for in this Section 2.04 shall be deemed to be
a grant by the Company to the Trust of, and the Company hereby
grants to the Trust, to secure all of the Company’s
obligations hereunder, a security interest in all of the
Company’s right, title, and interest, whether now owned or
hereafter acquired, in and to:

(I)        The
Mortgage Pool Assets;

(II)       All
accounts, chattel paper, deposit accounts, documents, general
intangibles, goods, instruments, investment property,
letter-of-credit rights, letters of credit, money, and oil, gas,
and other minerals, consisting of, arising from, or relating to,
any of the foregoing; and

(III)      All
proceeds of the foregoing.

The
Company shall file such financing statements, and the Company, the
Servicer and the Trustee acting on behalf of the Trust at the
direction of the Company shall, to the extent consistent with this
Agreement, take such other actions as may be necessary to ensure
that, if this Agreement were found to create a security interest in
the Mortgage Pool Assets, such security interest would be a
perfected security interest of first priority under applicable law
and will be maintained as such throughout the term of the
Agreement. In connection herewith, the Trust shall have all of the
rights and remedies of a secured party and creditor under the
Uniform Commercial Code as in force in the relevant
jurisdiction.

Section
2.05.       
Delivery of Mortgage
Files.

In
connection with the sale, transfer and assignment referred to in
Section 2.04, the Company, concurrently with the execution and
delivery hereof, does deliver to, and deposit with, or cause to be
delivered to and deposited with, the Trustee or Custodian the
Mortgage Files, which shall at all times be identified in the
records of the Trustee or the Custodian, as applicable, as being
held by or on behalf of the Trust.

Concurrently with the execution and delivery
hereof, the Company shall cause to be filed the UCC assignment or
amendment referred to in clause (Y)(vii) of the definition of
“Mortgage File.”  In connection with its servicing
of Cooperative Loans, the Servicer will use its best efforts to
file timely continuation statements, if necessary, with regard to
each financing statement and assignment relating to Cooperative
Loans.

In
instances where the original recorded Mortgage or any intervening
assignment thereof (recorded or in recordable form) required to be
included in the Mortgage File pursuant to the definition of
“Mortgage File” relating to a Mortgage Loan is not
included in the Mortgage File delivered to the Trustee (or the
Custodian) prior to or concurrently with the execution and delivery
hereof (due to a delay on the part of the recording office), the
Company shall deliver to the Trustee (or the Custodian) a fully
legible reproduction (which may be in electronic form) of the
original Mortgage or intervening assignment provided that the
originator, the related Lender or the escrow or title company which
provided closing services in connection with such Mortgage Loan
certifies on the face of such reproduction(s) or copy as follows:
“Certified true and correct copy of original which has been
transmitted for recordation.” For purposes hereof,
transmitted for recordation means having been mailed or otherwise
delivered for recordation to the appropriate authority. In all such
instances, the Company shall transmit the original recorded
Mortgage and any intervening assignments with evidence of recording
thereon (or a copy of such original Mortgage or intervening
assignment certified by the applicable recording office) (which may
be in electronic form) (collectively, “Recording
Documents”) to the Trustee (or the Custodian) within 270
days after the execution and delivery hereof. In instances where,
due to a delay on the part of the recording office where any such
Recording Documents have been delivered for recordation, the
Recording Documents cannot be delivered to the Trustee within 270
days after execution and delivery hereof, the Company shall deliver
to the Trustee within such time period a certificate (a
“Company Officer’s Certificate”) signed by
the Chairman of the Board, President, any Vice President or
Treasurer of the Company stating the date by which the Company
expects to receive such Recording Documents from the applicable
recording office. In the event that Recording Documents have still
not been received by the Company and delivered to the Trustee (or
the Custodian) by the date specified in its previous Company
Officer’s Certificate delivered to the Trustee, the Company
shall deliver to the Trustee by such date an additional Company
Officer’s Certificate stating a revised date by which the
Company expects to receive the applicable Recording Documents. This
procedure shall be repeated until the Recording Documents have been
received by the Company and delivered to the Trustee (or the
Custodian).

For
Mortgage Loans for which the Company has received a Payoff after
the Cut-Off Date and prior to the date of execution and delivery
hereof, the Company, in lieu of delivering the above documents,
herewith delivers to the Trustee a certification of a Servicing
Officer of the nature set forth in Section 3.10.

The
Trustee is authorized, with the Servicer’s consent, to
appoint any bank or trust company approved by each of the Company
and the Servicer as Custodian of the documents or instruments
referred to in this Section 2.05, Section 2.10 or Section 2.13, and
to enter into a Custodial Agreement for such purpose; provided,
however, that the Trustee shall be and remain liable for the acts
of any such Custodian only to the extent that it is responsible for
its own acts hereunder.  Any documents delivered by the
Company or the Servicer to the Custodian, if any, shall be deemed
to have been delivered to the Trustee for all purposes hereunder;
and any documents held by the Custodian, if any, shall be deemed to
be held by the Trustee for all purposes hereunder. There shall be a
written Custodial Agreement between the Trustee and each Custodian.
Each Custodial Agreement shall contain an acknowledgment by the
Custodian that all Mortgage Pool Assets, Mortgage Files, and other
documents and property held by it at any time are held by it for
the benefit of the Trust.  Pursuant to the Initial Custodial
Agreement, the Initial Custodian shall perform responsibilities of
the Trustee on the Trustee’s behalf with respect to the
delivery, receipt, examination, custody and release of the Mortgage
Files related to the Mortgage Loans identified in the Initial
Custodial Agreement, as provided therein.  The Trustee shall
not have any responsibility for the acts or omissions of the
Initial Custodian provided however that nothing herein shall
relieve the Trustee from liability for its own negligent action,
its own negligent failure to act or its willful
misconduct.

On or
promptly after the Closing Date, the Servicer shall cause the
MERS® System to indicate that each MERS Loan, if any, has been
assigned to “LaSalle Bank National Association, as
Custodian/Trustee, without recourse” or to “Washington
Mutual Mortgage Pass-Through Certificates WMALT Series 2005-4
Trust, without recourse” by including in the MERS® System
computer files (a) the code necessary to identify the Trustee and
(b) the code necessary to identify the series of the Certificates
issued in connection with such Mortgage Loans; provided,
however, that in the event the Company acquired such Mortgage
Loans from an affiliate of the Company, then the Servicer need not
cause the MERS® System to indicate such assignment.  The
Servicer shall not alter the codes referenced in this paragraph
with respect to any MERS Loan during the term of this Agreement
except in connection with an assignment of such MERS Loan or
de-registration thereof from the MERS® System in accordance
with the terms of this Agreement.

Section
2.06.       
REMIC Election for REMIC
I.

The
Tax Matters Person, shall, on behalf of REMIC I, elect to treat
REMIC I as a REMIC within the meaning of Section 860D of the Code
and, if necessary, under applicable state laws. Such election shall
be included in the Form 1066 and any appropriate state return to be
filed on behalf of REMIC I for its first taxable year.

The
Closing Date is hereby designated as the “startup day”
of REMIC I within the meaning of Section 860G(a)(9) of the
Code.

The
regular interests (as set forth in the table contained in the
Preliminary Statement hereto) relating to REMIC I are hereby
designated as “regular interests” in REMIC I for
purposes of Section 860G(a)(1) of the Code. The Class R-1 Residual
Interest is hereby designated as the sole class of “residual
interest” in REMIC I for purposes of Section 860G(a)(2) of
the Code. The REMIC I Regular Interests and the Class R-1 Residual
Interest shall together be deemed to be a separate series of
beneficial interests in the assets of the Trust consisting of the
REMIC I Assets pursuant to Section 3806(b)(2) of the Statutory
Trust Statute.

The
parties intend that the affairs of REMIC I shall constitute, and
that the affairs of  REMIC I shall be conducted so as to
qualify REMIC I as a REMIC. In furtherance of such intention, the
Tax Matters Person shall, on behalf of REMIC I: (a) prepare and
file, or cause to be prepared and filed, a federal tax return using
a calendar year as the taxable year and using an accrual method of
accounting for REMIC I when and as required by the REMIC Provisions
and other applicable federal income tax laws; (b) make an election,
on behalf of the trust, for REMIC I to be treated as a REMIC on the
federal tax return of  REMIC I for its first taxable year, in
accordance with the REMIC Provisions; (c) prepare and forward, or
cause to be prepared and forwarded, to the Holders of the REMIC I
Regular Interests and the Class R-1 Residual Interest and the
Trustee, all information reports as and when required to be
provided to them in accordance with the REMIC Provisions, and make
available the information necessary for the application of Section
860E(e) of the Code; (d) conduct the affairs of REMIC I at all
times that any REMIC I Regular Interests are outstanding so as to
maintain the status of REMIC I as a REMIC under the REMIC
Provisions; (e) not knowingly or intentionally take any action or
omit to take any action that would cause the termination of the
REMIC status of REMIC I; and (f) pay the amount of any federal
prohibited transaction penalty taxes imposed on REMIC I when and as
the same shall be due and payable (but such obligation shall not
prevent the Tax Matters Person from contesting any such tax in
appropriate proceedings and shall not prevent the Tax Matters
Person from withholding payment of such tax, if permitted by law,
pending the outcome of such proceedings); provided, that the Tax
Matters Person shall be entitled to be indemnified by REMIC I for
any such prohibited transaction penalty taxes if the Tax Matters
Person’s failure to exercise reasonable care was not the
primary cause of the imposition of such prohibited transaction
penalty taxes.

The
Company, the Trustee and the Servicer shall promptly provide the
Tax Matters Person with such information in the possession of the
Trustee, the Company or the Servicer, respectively, as the Tax
Matters Person may from time to time request for the purpose of
enabling the Tax Matters Person to prepare or cause the preparation
of tax returns.  If so requested by the Tax Matters Person,
the Trustee shall sign tax returns on behalf of the
REMICs.

In the
event that a Mortgage Loan is discovered to have a defect which,
had such defect been discovered before the startup day, would have
prevented such Mortgage Loan from being a “qualified
mortgage” within the meaning of Section 860G(a)(3) of the
Code, and the Company does not repurchase such Mortgage Loan within
90 days of such date, the Servicer, on behalf of the Trustee, shall
within 90 days of the date such defect is discovered sell such
Mortgage Loan at such price as the Servicer in its sole discretion,
determines to be the greatest price that will result in the
purchase thereof within 90 days of such date, unless the Servicer
delivers to the Trustee an Opinion of Counsel to the effect that
continuing to hold such Mortgage Loan will not adversely affect the
status of the electing portion of REMIC I as a REMIC for federal
income tax purposes.

In the
event that any tax is imposed on “prohibited
transactions” of REMIC I as defined in Section 860F of the
Code and not paid by the Tax Matters Person pursuant to clause (f)
of the third preceding paragraph, such tax shall be charged against
amounts otherwise distributable to the Class R-1 Residual Interest.
Notwithstanding anything to the contrary contained herein, the
Trustee is hereby authorized to retain from amounts otherwise
distributable to the Class R-1 Residual Interest on any
Distribution Date sufficient funds to reimburse the Tax Matters
Person (or any agent therefor appointed in accordance with the
definition of “Tax Matters Person” herein, if
applicable), for the payment of such tax (upon the written request
of the Tax Matters Person or its agent, to the extent reimbursable,
and to the extent that the Tax Matters Person or its agent has not
been previously reimbursed therefor).

Section
2.07.       
Acceptance by Trustee. The
Trustee acknowledges receipt (or with respect to any Mortgage Loan
subject to a Custodial Agreement, including the Initial Custodial
Agreement, receipt by the Custodian thereunder) on behalf of the
Trust of the documents (or certified copies thereof as specified in
Section 2.05) referred to in Section 2.05 above, but without having
made the review required to be made within 45 days pursuant to this
Section 2.07. The Trustee acknowledges that all Mortgage Pool
Assets, Mortgage Files, and related documents and property held by
it at any time are held by it as Trustee of the Trust for the
benefit of the Trust as holder of the REMIC I Regular Interests and
the Class R-1 Residual Interest. The Trustee agrees, for the
benefit of the Trust, to review (or, with respect to the Mortgage
Loans identified in the Initial Custodial Agreement, cause the
Initial Custodian to review) each Mortgage File within 45 days
after the Closing Date and deliver to the Company a certification
(or, with respect to the Mortgage Loans identified in the Initial
Custodial Agreement, cause the Initial Custodian to deliver to the
Company a certification, which satisfies the applicable
requirements of this Agreement) in the form attached as Exhibit M
hereto, to the effect that, except as noted, all documents required
(in the case of instruments described in clauses (X)(iv) and
(Y)(ix) of the definition of “Mortgage File,” known by
the Trustee to be required) pursuant to the definition of
“Mortgage File” and Section 2.05 have been executed and
received, and that such documents relate to the Mortgage Loans
identified in the Mortgage Loan Schedule. In performing such
review, the Trustee may rely upon the purported genuineness and due
execution of any such document, and on the purported genuineness of
any signature thereon. The Trustee shall not be required to make
any independent examination of any documents contained in each
Mortgage File beyond the review specifically required herein. The
Trustee makes no representations as to: (i) the validity, legality,
enforceability or genuineness of any of the Mortgage Loans
identified on the Mortgage Loan Schedule, or (ii) the
collectability, insurability, effectiveness or suitability of any
Mortgage Loan. If the Trustee finds any document or documents
constituting a part of a Mortgage File not to have been executed or
received, or to be unrelated to the Mortgage Loans identified in
the Mortgage Loan Schedule, the Trustee shall promptly so notify
the Company. The Company hereby covenants and agrees that, if any
such defect cannot be corrected or cured, the Company shall, not
later than 60 days after the Trustee’s notice to it
respecting such defect, within the three-month period commencing on
the Closing Date (or within the two-year period commencing on the
Closing Date if the related Mortgage Loan is a “defective
obligation” within the meaning of Section 860G(a)(4)(B)(ii)
of the Code and Treasury Regulation Section 1.860G-2(f)), either
(i) repurchase the related Mortgage Loan from the Trust at the
Purchase Price, or (ii) substitute for any Mortgage Loan to which
such defect relates a different mortgage loan (a
“Substitute Mortgage Loan”) which is a
“qualified replacement mortgage” (as defined in the
Code) and, (iii) after such three-month or two-year period, as
applicable, the Company shall repurchase the Mortgage Loan from the
Trust at the Purchase Price but only if the Mortgage Loan is in
default or default is, in the judgment of the Company, reasonably
imminent. If such defect would cause the Mortgage Loan to be other
than a “qualified mortgage” (as defined in the Code),
then notwithstanding the previous sentence or any provision in the
definition of “Purchase Price”, the repurchase or
substitution must occur within the sooner of (i) 90 days from the
date the defect was discovered or (ii) in the case of substitution,
two years from the Closing Date.

Such
Substitute Mortgage Loan shall mature no later than, and not more
than two years earlier than, have a principal balance and
Loan-to-Value Ratio equal to or less than, and have a Pass-Through
Rate on the date of substitution equal to or no more than 1
percentage point greater than the Mortgage Loan being substituted
for. If the aggregate of the principal balances of the Substitute
Mortgage Loans substituted for a Mortgage Loan is less than the
Principal Balance of such Mortgage Loan, the Company shall pay the
difference in cash, together with unpaid accrued interest, if any,
on the difference between the aggregate of the principal balances
of the Substitute Mortgage Loans and the Principal Balance of such
Mortgage Loan during the calendar month in which the substitution
occurs to the last day of such month at a rate equal to the
applicable Pass-Through Rate, to the Trustee for deposit into the
Certificate Account, and such payment by the Company shall be
treated in the same manner as proceeds of the repurchase by the
Company of a Mortgage Loan pursuant to this Section 2.07.
Furthermore, such Substitute Mortgage Loan shall otherwise have
such characteristics so that the representations and warranties of
the Company set forth in Section 2.08 hereof would not have been
incorrect had such Substitute Mortgage Loan originally been a
Mortgage Loan, and the Company shall be deemed to have made such
representations and warranties as to such Substitute Mortgage Loan.
In addition, such Substitute Mortgage Loan shall not be a High Cost
Loan or Covered Loan (as such terms are defined in the Standard
& Poor's LEVELS® Glossary in effect on the date of
substitution, with such exceptions thereto as the Company and
S&P may reasonably agree). A Substitute Mortgage Loan may be
substituted for a defective Mortgage Loan whether or not such
defective Mortgage Loan is itself a Substitute Mortgage Loan. 
Notwithstanding anything herein to the contrary, each Substitute
Mortgage Loan shall be deemed to have the same Pass-Through Rate as
the Mortgage Loan for which it was substituted.

The
Purchase Price for each purchased or repurchased Mortgage Loan
shall be deposited by the Company in the Certificate Account and,
upon receipt by the Trustee of written notification of such deposit
signed by a Servicing Officer, the Trustee shall (or, if
applicable, shall cause the Custodian to) release to the Company or
the Company’s designee the related Mortgage File and shall
execute and deliver (or, in the event that the Mortgage Files are
held in the name of the Custodian, shall cause the Custodian to
execute and deliver) on behalf of the Trust such instruments of
transfer or assignment, in each case without recourse, as shall be
necessary to vest in the Company or its designee or assignee title
to any Mortgage Loan released pursuant hereto. In furtherance of
the foregoing, if such Mortgage Loan is a MERS Loan and as a result
of the repurchase thereof such Mortgage Loan shall cease to be
serviced by a servicer that is a member of MERS or if the Company
or its assignee shall so request, the Servicer shall cause MERS to
execute and deliver an assignment of the Mortgage in recordable
form from MERS to the Company or its assignee and shall cause the
Mortgage Loan to be removed from registration on the MERS®
System in accordance with MERS’ rules and procedures. The
obligation of the Company to repurchase or substitute any Mortgage
Loan as to which such a defect in a constituent document exists
shall constitute the sole remedy respecting such defect available
to the Trust or the Holders of the REMIC I Regular Interests or the
Class R-1 Residual Interest.

Section
2.08.       
Representations and Warranties of the Company
Concerning the Mortgage Loans. With respect to the
conveyance of the Mortgage Loans provided for in Section 2.04
herein, the Company hereby represents and warrants to the Trust
that as of the Cut-Off Date unless otherwise indicated:

(i)                 
The information set forth in the Mortgage Loan Schedule was true
and correct in all material respects at the date or dates
respecting which such information is furnished;

(ii)               
As of the Closing Date, each Mortgage relating to a Mortgage Loan
that is not a Cooperative Loan is a valid and enforceable (subject
to Section 2.08(xvi)) first lien on an unencumbered estate in fee
simple or (if the related Mortgage Loan is secured by the interest
of the Mortgagor as a lessee under a ground lease) leasehold estate
in the related Mortgaged Property subject only to (a) liens for
current real property taxes and special assessments; (b) covenants,
conditions and restrictions, rights of way, easements and other
matters of public record as of the date of recording such Mortgage,
such exceptions appearing of record being acceptable to mortgage
lending institutions generally or specifically reflected in the
appraisal obtained in connection with the origination of the
Mortgage Loan; (c) exceptions set forth in the title insurance
policy relating to such Mortgage, such exceptions being acceptable
to mortgage lending institutions generally; and (d) 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 the Mortgage;

(iii)              
Immediately upon the transfer and assignment contemplated herein,
the Trust shall have good title to, and will be the sole legal
owner of, each Mortgage Loan, free and clear of any encumbrance or
lien (other than any lien under this Agreement);

(iv)             
Except as set forth on Schedule 1 hereto, as of the day prior to
the Cut-Off Date, all payments due on each Mortgage Loan had been
made and no Mortgage Loan had been delinquent (i.e., was more than
30 days past due) more than once in the preceding 12 months and any
such delinquency lasted for no more than 30 days;

(v)               
As of the Closing Date, there is no late assessment for delinquent
taxes outstanding against any Mortgaged Property;

(vi)             
As of the Closing Date, there is no offset, defense or counterclaim
to any Mortgage Note, including the obligation of the Mortgagor to
pay the unpaid principal or interest on such Mortgage Note except
to the extent that the Buydown Agreement for a Buydown Loan
forgives certain indebtedness of a Mortgagor;

(vii)            
As of the Closing Date, each Mortgaged Property is free of damage
and in good repair, ordinary wear and tear excepted;

(viii)          
Each Mortgage Loan at the time it was made complied with all
applicable local, state and federal laws, including, without
limitation, usury, equal credit opportunity, disclosure and
recording laws, and predatory and abusive lending laws applicable
to the originating lender;

(ix)             
Each Mortgage Loan was originated by a savings association, savings
bank, credit union, insurance company, or similar institution which
is supervised and examined by a federal or state authority or by a
mortgagee approved by the FHA and will be serviced by an
institution which meets the servicer eligibility requirements
established by the Company;

(x)               
As of the Closing Date, each Mortgage Loan that is not a
Cooperative Loan is covered by an ALTA form or CLTA form of
mortgagee title insurance policy or other form of policy of
insurance which has been issued by, and is the valid and binding
obligation of, a title insurer which, as of the origination date of
such Mortgage Loan, was qualified to do business in the state in
which the related Mortgaged Property is located. Such policy
insures the originator of the Mortgage Loan, its successors and
assigns as to the first priority lien of the Mortgage in the
original principal amount of the Mortgage Loan subject to the
exceptions set forth in such policy. Such policy is in full force
and effect and inures to the benefit of the Trust upon the
consummation of the transactions contemplated by this Agreement and
no claims have been made under such policy, and no prior holder of
the related Mortgage, including the Company, has done, by act or
omission, anything which would impair the coverage of such
policy;

(xi)             
All of the Mortgage Loans with Loan-to-Value Ratios as of the
Cut-Off Date in excess of 80% were covered by a Primary Insurance
Policy or an FHA insurance policy or a VA guaranty, and such policy
or guaranty is valid and remains in full force and effect;

(xii)            
As of the Closing Date, all policies of insurance required by this
Agreement have been validly issued and remain in full force and
effect, including such policies covering the Company or the
Servicer;

(xiii)          
As of the Closing Date, each insurer issuing a Primary Insurance
Policy holds a rating acceptable to the Rating Agencies;

(xiv)          
Each Mortgage (exclusive of any riders thereto) was documented by
appropriate Fannie Mae/Freddie Mac mortgage instruments in effect
at the time of origination, or other instruments approved by the
Company;

(xv)           
As of the Closing Date, the Mortgaged Property securing each
Mortgage relating to a Mortgage Loan that is not a Cooperative Loan
is improved with a one- to four-family dwelling unit, including
units in a duplex, triplex, fourplex, condominium project,
townhouse, a planned unit development or a de minimis planned unit
development;

(xvi)          
As of the Closing Date, each Mortgage and Mortgage Note is the
legal, valid and binding obligation of the maker thereof and is
enforceable in accordance with its terms, except only as such
enforcement may be limited by laws affecting the enforcement of
creditors’ rights generally and principles of equity;

(xvii)        
As of the date of origination, as to Mortgaged Properties which are
units in condominiums or planned unit developments, all of such
units met the applicable Underwriting Standards, are located in a
condominium or planned unit development projects which have
received Fannie Mae or Freddie Mac approval, or are approvable by
Fannie Mae or Freddie Mac or have otherwise been approved by the
Company;

(xviii)       
No Mortgage Loan is a Buydown Loan;

(xix)          
Based solely on representations of the Mortgagors obtained at the
origination of the related Mortgage Loans, approximately 68.38% (by
Principal Balance) of the Group 1 Loans will be secured by owner
occupied Mortgaged Properties which are the primary residences of
the related Mortgagors, approximately 2.97% (by Principal Balance)
of the Group 1 Loans will be secured by owner occupied Mortgaged
Properties which were second or vacation homes of the Mortgagors
and approximately 28.65% (by Principal Balance) of the Group 1
Loans will be secured by Mortgaged Properties which were investor
properties of the related Mortgagors; approximately 59.46% (by
Principal Balance) of the Group 2 Loans will be secured by owner
occupied Mortgaged Properties which are the primary residences of
the related Mortgagors, approximately 1.62% (by Principal Balance)
of the Group 2 Loans will be secured by owner occupied Mortgaged
Properties which were second or vacation homes of the Mortgagors
and approximately 38.92% (by Principal Balance) of the Group 2
Loans will be secured by Mortgaged Properties which were investor
properties of the related Mortgagors; approximately 32.98% (by
Principal Balance) of the Group 3 Loans will be secured by owner
occupied Mortgaged Properties which are the primary residences of
the related Mortgagors, approximately 0.68% (by Principal Balance)
of the Group 3 Loans will be secured by owner occupied Mortgaged
Properties which were second or vacation homes of the Mortgagors
and approximately 66.34% (by Principal Balance) of the Group 3
Loans will be secured by Mortgaged Properties which were investor
properties of the related Mortgagors; approximately 85.35% (by
Principal Balance) of the Group 4 Loans will be secured by owner
occupied Mortgaged Properties which are the primary residences of
the related Mortgagors, approximately 3.73% (by Principal Balance)
of the Group 4 Loans will be secured by owner occupied Mortgaged
Properties which were second or vacation homes of the Mortgagors
and approximately 10.91% (by Principal Balance) of the Group 4
Loans will be secured by Mortgaged Properties which were investor
properties of the related Mortgagors; and approximately 93.97% (by
Principal Balance) of the Group 5 Loans will be secured by owner
occupied Mortgaged Properties which are the primary residences of
the related Mortgagors, approximately 1.85% (by Principal Balance)
of the Group 5 Loans will be secured by owner occupied Mortgaged
Properties which were second or vacation homes of the Mortgagors
and approximately 4.18% (by Principal Balance) of the Group 5 Loans
will be secured by Mortgaged Properties which were investor
properties of the related Mortgagors;

(xx)           
Prior to origination or refinancing, an appraisal of each Mortgaged
Property was made by an appraiser on a form satisfactory to Fannie
Mae or Freddie Mac;

(xxi)          
The Mortgage Loans have been underwritten substantially in
accordance with the applicable Underwriting Standards;

(xxii)        
All of the Mortgage Loans have due-on-sale clauses; however, the
due on sale provisions may not be exercised at the time of a
transfer if prohibited by law;

(xxiii)       
The Company used no adverse selection procedures in selecting the
Mortgage Loans from among the outstanding fixed-rate conventional
mortgage loans purchased by it which were available for inclusion
in the Mortgage Pool and as to which the representations and
warranties in this Section 2.08 could be made;

(xxiv)      
With respect to each Cooperative Loan, the Cooperative Stock that
is pledged as security for the Cooperative Loan is held by a person
as a tenant-stockholder (as defined in Section 216 of the Code) in
a cooperative housing corporation (as defined in Section 216 of the
Code);

(xxv)        
Each Cooperative Loan is secured by a valid, subsisting and
enforceable (except as such enforcement may be limited by laws
affecting the enforcement of creditors’ rights generally and
principles of equity) perfected first lien and security interest in
the related Cooperative Stock securing the related Mortgage Note,
subject only to (a) liens of the Cooperative for unpaid assessments
representing the Mortgagor’s pro rata share of the
Cooperative’s payments for its blanket mortgage, current and
future real property taxes, insurance premiums, maintenance fees
and other assessments to which like collateral is commonly subject,
and (b) other matters to which like collateral is commonly subject
which do not materially interfere with the benefits of the security
intended to be provided by the Security Agreement;

(xxvi)      
With respect to any Mortgage Loan as to which an affidavit has been
delivered to the Trustee certifying that the original Mortgage Note
is a Destroyed Mortgage Note, if such Mortgage Loan is subsequently
in default, the enforcement of such Mortgage Loan or of the related
Mortgage by or on behalf of the Trust will not be materially
adversely affected by the absence of the original Mortgage Note (or
portion thereof, as applicable);

(xxvii)     
Based upon an appraisal of the Mortgaged Property securing each
Mortgage Loan, approximately 91.29% (by Principal Balance) of the
Group 1 Loans had a current Loan-to-Value Ratio less than or equal
to 80%, approximately 8.72% (by Principal Balance) of the Group 1
Loans had a current Loan-to-Value Ratio greater than 80% but less
than or equal to 95% and no Group 1 Loan had a current
Loan-to-Value Ratio greater than 95%; approximately 98.69% (by
Principal Balance) of the Group 2 Loans had a current Loan-to-Value
Ratio less than or equal to 80%, approximately 1.31% (by Principal
Balance) of the Group 2 Loans had a current Loan-to-Value Ratio
greater than 80% but less than or equal to 95% and no Group 2 Loan
had a current Loan-to-Value Ratio greater than 95%; approximately
96.07% (by Principal Balance) of the Group 3 Loans had a current
Loan-to-Value Ratio less than or equal to 80%, approximately 3.92%
(by Principal Balance) of the Group 3 Loans had a current
Loan-to-Value Ratio greater than 80% but less than or equal to 95%
and no Group 3 Loan had a current Loan-to-Value Ratio greater than
95%; approximately 97.17% (by Principal Balance) of the Group 4
Loans had a current Loan-to-Value Ratio less than or equal to 80%,
approximately 2.83% (by Principal Balance) of the Group 4 Loans had
a current Loan-to-Value Ratio greater than 80% but less than or
equal to 95% and no Group 4 Loan had a current Loan-to-Value Ratio
greater than 95%; and approximately 97.73% (by Principal Balance)
of the Group 5 Loans had a current Loan-to-Value Ratio less than or
equal to 80%, approximately 2.26% (by Principal Balance) of the
Group 5 Loans had a current Loan-to-Value Ratio greater than 80%
but less than or equal to 95% and no  Group 5 Loan had a
current Loan-to-Value Ratio greater than 95%;

(xxviii)   
Approximately 62.79% (by Principal Balance) of the Group 1 Loans,
approximately 80.20% (by Principal Balance) of the Group 2 Loans,
approximately 82.34% (by Principal Balance) of the Group 3 Loans,
approximately 79.07% (by Principal Balance) of the Group 4 Loans
and approximately 62.01% (by Principal Balance) of the Group 5
Loans were originated for the purpose of refinancing existing
mortgage debt, including cash-out refinancings; and approximately
37.20% (by Principal Balance) of the Group 1 Loans, approximately
19.80% (by Principal Balance) of the Group 2 Loans, approximately
17.66% (by Principal Balance) of the Group 3 Loans, approximately
20.92% (by Principal Balance) of the Group 4 Loans and
approximately 37.99% (by Principal Balance) of the Group 5 Loans
were originated for the purpose of purchasing the Mortgaged
Property;

(xxix)      
Not less than approximately 37.58%, 32.11%, 43.86%, 12.79% and
18.29% (by Principal Balance) of the Group 1 Loans, Group 2 Loans,
Group 3 Loans, Group 4 Loans and Group 5 Loans, respectively, were
originated under full documentation programs;

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

(xxxi)      
No Mortgage Loan is a High Cost Loan or Covered Loan (as such terms
are defined in the Standard & Poor's LEVELS® Glossary in
effect on the Closing Date, which is now Version 5.6b Revised,
Appendix E, applicable portions of which are attached hereto as
Exhibit C), and no mortgage loan originated on or after October 1,
2002 through March 6, 2003 is governed by the Georgia Fair Lending
Act;

(xxxii)      No
Mortgage Loan is subject to the Home Ownership and Equity
Protection Act of 1994 or Section 226.32 of Regulation Z, is a
“high-cost” loan or a “predatory” loan as
defined under any state or local law or regulation applicable to
the originator of such Mortgage Loan or which would result in
liability to the purchaser or assignee of such Mortgage Loan under
any predatory or abusive lending law, or, without limiting the
generality of the foregoing, is a “covered” loan under
the laws of the states of California, Colorado or Ohio; and

(xxxiii)    No
Mortgage Loan has a Closing Date Loan-to-Value Ratio greater than
100%.

It is
understood and agreed that the representations and warranties set
forth in this Section 2.08 shall survive delivery of the respective
Mortgage Files to the Trustee or the Custodian, as the case may be,
and shall continue throughout the term of this Agreement. Upon
discovery by any of the Company, the Servicer, the Certificate
Insurer, the Trustee or the Custodian of a breach of any of the
foregoing representations and warranties (in the case of a breach
of the representation set forth in clause (xxxiii) of this Section
2.08, as based on a determination of the applicable Closing Date
Loan-to-Value Ratio using such evidence as is reasonably designed
to approximate the value of the applicable Mortgaged Property as of
the Closing Date) which materially and adversely affects the value
of the related Mortgage Loans or the interests of the Trust in the
related Mortgage Loans, the Company, the Servicer, the Certificate
Insurer, the Trustee or the Custodian, as the case may be,
discovering such breach shall give prompt written notice to the
others. Any breach of the representation set forth in clause (xxxi)
or clause (xxxii) of this Section 2.08 shall be deemed to
materially and adversely affect the value of the related Mortgage
Loans or the interests of the Trust in the related Mortgage Loans.
Within 90 days of its discovery or its receipt of notice of breach,
the Company shall repurchase, subject to the limitations set forth
in the definition of “Purchase Price,” or substitute
for the affected Mortgage Loan or Mortgage Loans or any property
acquired in respect thereof from the Trust, unless it has cured
such breach in all material respects; provided,
however, that in the case of a breach of the representation
set forth in clause (xxxiii) of this Section 2.08, any such
substitution may be made only within two years after the Closing
Date. After the end of the three-month period beginning on the
“start-up day,” any such substitution shall be made
only if the Company provides to the Trustee an Opinion of Counsel
addressed to the Trust and the Trustee reasonably satisfactory to
the Trustee that each Substitute Mortgage Loan will be a
“qualified replacement mortgage” within the meaning of
Section 860G(a)(4) of the Code. Such substitution shall be made in
the manner and within the time limits set forth in Section 2.07.
Any such repurchase by the Company shall be accomplished in the
manner and at the Purchase Price, if applicable, but shall not be
subject to the time limits, set forth in Section 2.07. It is
understood and agreed that the obligation of the Company to provide
such substitution or to make such repurchase of any affected
Mortgage Loan or Mortgage Loans or any property acquired in respect
thereof as to which a breach has occurred and is continuing shall
constitute the sole remedy respecting such breach available to the
Holders of the REMIC I Regular Interests and the Class R-1 Residual
Interest or the Trustee on behalf of the Holders of the REMIC I
Regular Interests and the Class R-1 Residual Interest.

Section
2.09.       
Acknowledgment of Transfer of Mortgage Pool
Assets. The Trustee hereby  acknowledges and
accepts on behalf of the Trust the transfer and assignment to the
Trust of the Mortgage Pool Assets, but without having made the
review required to be made within 45 days pursuant to Section 2.07,
and declares that as of the Closing Date it (or, with respect to
the Mortgage Loans identified in the Initial Custodial Agreement,
the Custodian on behalf of the Trustee) holds and shall hold any
documents constituting a part of the Mortgage Pool Assets, and the
Mortgage Pool Assets, as Trustee in trust, upon the trust herein
set forth, for the use and benefit of all present and future
Holders of the REMIC I Regular Interests and the Class R-1 Residual
Interest.  In connection therewith, as of the Closing Date, in
exchange for the Mortgage Pool Assets, the Trust does hereby issue
to the Company the REMIC I Regular Interests and the Class R-1
Residual Interest.

Section
2.10.       
Conveyance of REMIC II Assets; Security
Interest.  Concurrently with the execution and
delivery hereof, the Company does hereby irrevocably sell,
transfer, assign, set over, and otherwise convey to the Trust,
without recourse, all the Company’s right, title and interest
in and to the REMIC II Assets. Pursuant to Section 3818 of the
Statutory Trust Statute, the REMIC I Regular Interests shall not be
cancelled and shall be held as treasury interests owned by the
Trust. The Trustee acknowledges that the REMIC II Assets are held
by it as Trustee of the Trust for the benefit of the holders of the
REMIC II Regular Interests and the Class R-2 Residual Interest. It
is the express intent of the parties hereto that the conveyance of
the REMIC II Assets to the Trust by the Company as provided in this
Section 2.10 be, and be construed as, an absolute sale of the REMIC
II Assets. It is, further, not the intention of the parties that
such conveyance be deemed the grant of a security interest in the
REMIC II Assets by the Company to the Trust to secure a debt or
other obligation of the Company. However, in the event that,
notwithstanding the intent of the parties, the REMIC II Assets are
held to be the property of the Company, or if for any other reason
this Agreement is held or deemed to create a security interest in
the REMIC II Assets, then

(a)       
this Agreement shall constitute a security agreement;

(b)        the
conveyance provided for in this Section 2.10 shall be deemed to be
a grant by the Company to the Trust of, and the Company hereby
grants to the Trust, to secure all of the Company’s
obligations hereunder, a security interest in all of the
Company’s right, title, and interest, whether now owned or
hereafter acquired, in and to:

(I)        The
REMIC I Regular Interests, including without limitation all rights
represented thereby in and to the Mortgage Pool Assets and the
proceeds thereof;

(II)       All
accounts, chattel paper, deposit accounts, documents, general
intangibles, goods, instruments, investment property,
letter-of-credit rights, letters of credit, money, and oil, gas,
and other minerals, consisting of, arising from, or relating to,
any of the foregoing; and

(III)      All
proceeds of the foregoing.

The
Company shall file such financing statements, and the Company and
the Trustee acting on behalf of the Trust at the direction of the
Company shall, to the extent consistent with this Agreement, take
such other actions as may be necessary to ensure that, if this
Agreement were found to create a security interest in the REMIC II
Assets, such security interest would be a perfected security
interest of first priority under applicable law and will be
maintained as such throughout the term of this Agreement. In
connection herewith, the Trust shall have all of the rights and
remedies of a secured party and creditor under the Uniform
Commercial Code as in force in the relevant
jurisdiction.

Section
2.11.       
REMIC Election for REMIC
II.

The
Tax Matters Person shall, on behalf of REMIC II, elect to treat
REMIC II as a REMIC within the meaning of Section 860D of the Code
and, if necessary, under applicable state laws. Such election shall
be included in the Form 1066 and any appropriate state return to be
filed on behalf of REMIC II for its first taxable year.

The
Closing Date is hereby designated as the “startup day”
of REMIC II within the meaning of Section 860G(a)(9) of the
Code.

The
regular interests (as set forth in the table contained in the
Preliminary Statement hereto) relating to REMIC II are hereby
designated as “regular interests” in REMIC II for
purposes of Section 860G(a)(1) of the Code. The Class R-2 Residual
Interest is hereby designated as the sole class of “residual
interest” in REMIC II for purposes of Section 860G(a)(2) of
the Code. The REMIC II Regular Interests and the Class R-2 Residual
Interest shall together be deemed to be a separate series of
beneficial interests in the assets of the Trust consisting of the
REMIC II Assets pursuant to Section 3806(b)(2) of the Statutory
Trust Statute.

The
parties intend that the affairs of REMIC II shall constitute, and
that the affairs of REMIC II shall be conducted so as to qualify it
as, a REMIC. In furtherance of such intention, the Tax Matters
Person shall, on behalf of REMIC II: (a) prepare and file, or cause
to be prepared and filed, a federal tax return using a calendar
year as the taxable year for REMIC II when and as required by the
REMIC provisions and other applicable federal income tax laws; (b)
make an election, on behalf of REMIC II, to be treated as a REMIC
on the federal tax return of REMIC II for its first taxable year,
in accordance with the REMIC provisions; (c) prepare and forward,
or cause to be prepared and forwarded, to the Holders of the REMIC
II Regular Interests and the Class R-2 Residual Interest all
information reports as and when required to be provided to them in
accordance with the REMIC provisions; (d) conduct the affairs of
REMIC II at all times that any of the REMIC II Regular Interests
and the Class R-2 Residual Interest are outstanding so as to
maintain the status of REMIC II as a REMIC under the REMIC
provisions; (e) not knowingly or intentionally take any action or
omit to take any action that would cause the termination of the
REMIC status of REMIC II; and (f) pay the amount of any federal
prohibited transaction penalty taxes imposed on REMIC II when and
as the same shall be due and payable (but such obligation shall not
prevent the Tax Matters Person or any other appropriate person from
contesting any such tax in appropriate proceedings and shall not
prevent the Tax Matters Person from withholding payment of such
tax, if permitted by law, pending the outcome of such proceedings);
provided, that the Tax Matters Person shall be entitled to be
indemnified from REMIC II for any such prohibited transaction
penalty taxes if the Tax Matters Person’s failure to exercise
reasonable care was not the primary cause of the imposition of such
prohibited transaction penalty taxes.

In the
event that any tax is imposed on “prohibited
transactions” of REMIC II as defined in Section 860F of the
Code and not paid by the Tax Matters Person pursuant to clause (f)
of the preceding paragraph, such tax shall be charged against
amounts otherwise distributable to the Holders of the Class R-2
Residual Interest. Notwithstanding anything to the contrary
contained herein, the Trustee, acting at the request of the Tax
Matters Person, is hereby authorized to retain from amounts
otherwise distributable to the Holders of the Class R-2 Residual
Interest on any Distribution Date sufficient funds to reimburse the
Tax Matters Person for the payment of such tax (to the extent that
the Tax Matters Person has not been previously reimbursed
therefor).

Section
2.12.       
Acknowledgement of Transfer of REMIC II
Assets. The Trustee hereby acknowledges and accepts
on behalf of the Trust the assignment to the Trust of the REMIC II
Assets and declares that as of the Closing Date it holds and shall
hold any documents constituting a part of the REMIC II Assets, and
the REMIC II Assets, as Trustee in trust, upon the trust herein set
forth, for the use and benefit of all present and future Holders of
the REMIC II Regular Interests and the Class R-2 Residual
Interest.  In connection therewith, as of the Closing Date, in
exchange for the REMIC II Assets, the Trust does hereby issue to
the Company the REMIC II Regular Interests and the Class R-2
Residual Interest.

Section
2.13.       
Conveyance of REMIC III Assets; Security
Interest.  Concurrently with the execution and
delivery hereof, the Company does hereby irrevocably sell,
transfer, assign, set over and otherwise convey to the Trust,
without recourse, all the Company’s right, title and interest
in and to the REMIC III Assets.  Pursuant to Section 3818 of
the Statutory Trust Statute, the REMIC II Regular Interests shall
not be cancelled and shall be held as treasury interests owned by
the Trust.  The Trustee acknowledges that the REMIC III Assets
are held by it as Trustee of the Trust for the benefit of the
holders of the Certificates.  It is the express intent of the
parties hereto that the conveyance of the REMIC III Assets to the
Trust by the Company as provided in this Section 2.13 be, and be
construed as, an absolute sale of the REMIC III Assets.  It
is, further, not the intention of the parties that such conveyance
be deemed the grant of a security interest in the REMIC III Assets
by the Company to the Trust to secure a debt or other obligation of
the Company.  However, in the event that, notwithstanding the
intent of the parties, the REMIC III Assets are held to be the
property of the Company, or if for any other reason this Agreement
is held or deemed to create a security interest in the REMIC III
Assets, then:

(a)       
this Agreement shall constitute a security agreement;

(b)        the
conveyance provided for in this Section 2.13 shall be deemed to be
a grant by the Company to the Trust of, and the Company hereby
grants to the Trust, to secure all of the Company’s
obligations hereunder, a security interest in all of the
Company’s right, title and interest, whether now owned or
hereafter acquired, in and to:

(I)        The
REMIC II Regular Interests, including without limitation all rights
represented thereby in and to the Mortgage Pool Assets and the
proceeds thereof;

(II)       All
accounts, chattel paper, deposit accounts, documents, general
intangibles, goods, instruments, investment property,
letter-of-credit rights, letters of credit, money, and oil, gas,
and other minerals, consisting of, arising from, or relating to,
any of the foregoing; and

(III)      All
proceeds of the foregoing.

The
Company shall file such financing statements, and the Company and
the Trustee acting on behalf of the Trust at the direction of the
Company shall, to the extent consistent with this Agreement, take
such other actions as may be necessary to ensure that, if this
Agreement were found to create a security interest in the REMIC III
Assets, such security interest would be a perfected security
interest of first priority under applicable law and will be
maintained as such throughout the term of this Agreement. In
connection herewith, the Trust shall have all of the rights and
remedies of a secured party and creditor under the Uniform
Commercial Code as in force in the relevant
jurisdiction.

In the event
that a pleading is filed in a court of competent jurisdiction
asserting that this Agreement creates a security interest in the
REMIC III Assets, the Trustee on behalf of the Trust shall take
actual possession of the REMIC III Assets or, at the Company's
option, the Trustee on behalf of the Trust shall be provided an
Opinion of Counsel addressed to the Trust and the Trustee
reasonably satisfactory to the Trustee to the effect that such
security interest is a perfected security interest of first
priority while the REMIC III Assets are in the possession of the
Company or its affiliates.

Section
2.14.       
REMIC Election for REMIC
III.

The
Tax Matters Person shall, on behalf of REMIC III, elect to treat
REMIC III as a REMIC within the meaning of Section 860D of the Code
and, if necessary, under applicable state laws. Such election shall
be included in the Form 1066 and any appropriate state return to be
filed on behalf of REMIC III for its first taxable year.

The
Closing Date is hereby designated as the “startup day”
of REMIC III within the meaning of Section 860G(a)(9) of the
Code.

The
regular interests (as set forth in the table contained in the
Preliminary Statement hereto) relating to REMIC III are hereby
designated as “regular interests” in REMIC III for
purposes of Section 860G(a)(1) of the Code. The Class R-3 Residual
Interest is hereby designated as the sole class of “residual
interest” in REMIC III for purposes of Section 860G(a)(2) of
the Code. The REMIC III Regular Interests and the Class R-3
Residual Interest shall together be deemed to be a separate series
of beneficial interests in the assets of the Trust consisting of
the REMIC III Assets pursuant to Section 3806(b)(2) of the
Statutory Trust Statute.

The
parties intend that the affairs of REMIC III shall constitute, and
that the affairs of REMIC II shall be conducted so as to qualify it
as, a REMIC. In furtherance of such intention, the Tax Matters
Person shall, on behalf of REMIC III: (a) prepare and file, or
cause to be prepared and filed, a federal tax return using a
calendar year as the taxable year for REMIC III when and as
required by the REMIC provisions and other applicable federal
income tax laws; (b) make an election, on behalf of REMIC III, to
be treated as a REMIC on the federal tax return of REMIC III for
its first taxable year, in accordance with the REMIC provisions;
(c) prepare and forward, or cause to be prepared and forwarded, to
the Certificateholders and the Holders of the Class R-3 Residual
Interest all information reports as and when required to be
provided to them in accordance with the REMIC provisions (which
information reports, in the case of each Class of Class A
Certificates, shall reflect the respective amounts of interest that
are to be treated as having been (i) received by such Class from
REMIC III and (ii) received by such Class from the Class X
Certificates outside of REMIC III pursuant to Section 2.19, and
which information reports, in the case of the Class X Certificates,
shall reflect the respective amounts of interest that are to be
treated as having been (i) received by such Class from REMIC III
and (ii) paid by such Class to the Class A Certificates outside of
REMIC III pursuant to Section 2.19); (d) conduct the affairs of
REMIC III at all times that any of the Certificates are outstanding
so as to maintain the status of REMIC III as a REMIC under the
REMIC provisions; (e) not knowingly or intentionally take any
action or omit to take any action that would cause the termination
of the REMIC status of REMIC III; and (f) pay the amount of any
federal prohibited transaction penalty taxes imposed on REMIC III
when and as the same shall be due and payable (but such obligation
shall not prevent the Tax Matters Person or any other appropriate
person from contesting any such tax in appropriate proceedings and
shall not prevent the Tax Matters Person from withholding payment
of such tax, if permitted by law, pending the outcome of such
proceedings); provided, that the Tax Matters Person shall be
entitled to be indemnified from REMIC III for any such prohibited
transaction penalty taxes if the Tax Matters Person’s failure
to exercise reasonable care was not the primary cause of the
imposition of such prohibited transaction penalty taxes.

In the event
that any tax is imposed on “prohibited transactions” of
REMIC III as defined in Section 860F of the Code and not paid by
the Tax Matters Person pursuant to clause (f) of the preceding
paragraph, such tax shall be charged against amounts otherwise
distributable to the Holders of the Class R-3 Residual Interest.
Notwithstanding anything to the contrary contained herein, the Tax
Matters Person is hereby authorized to retain from amounts
otherwise distributable to the Holders of the Class R-3 Residual
Interest on any Distribution Date sufficient funds to reimburse the
Tax Matters Person for the payment of such tax (to the extent that
the Company has not been previously reimbursed
therefor).

Section
2.15.       
Acknowledgement of Transfer of REMIC III
Assets; Authentication of Certificates. The Trustee
hereby acknowledges and accepts on behalf of the Trust the
assignment to the Trust of the REMIC III Assets and declares that
as of the Closing Date it holds and shall hold any documents
constituting a part of the REMIC III Assets, and the REMIC III
Assets, as Trustee in trust, upon the trust herein set forth, for
the use and benefit of all present and future Holders of the
Certificates (other than the Class R Certificates) and the Class
R-3 Residual Interest.  In connection therewith, as of the
Closing Date, in exchange for the REMIC III Assets, the Trustee on
behalf of the Trust shall cause to be authenticated and delivered,
upon and pursuant to the order of the Company, the Certificates in
Authorized Denominations.

Section
2.16.       
Legal Title. Legal title to
all assets of the Trust shall be vested at all times in the Trust
as a separate legal entity.

Section
2.17.       
Compliance with ERISA
Requirements. For purposes of ensuring compliance
with the requirements of the “underwriter’s
exemption” (U.S. Department of Labor Prohibited Transaction
Exemption 2002-41, 67 Fed. Reg. 54487 (Aug. 22, 2002)), issued
under ERISA, and for the avoidance of any doubt as to the
applicability of other provisions of this Agreement, to the fullest
extent permitted by applicable law and except as contemplated by
this Agreement, (1) the Trust shall not be a party to any merger,
consolidation or reorganization, or liquidate or sell its assets
and (2) so long as any Certificates are outstanding, none of the
Company, the Trustee, the Servicer or the Delaware Trustee shall
institute against the Trust, or join in any institution against the
Trust of, any bankruptcy or insolvency proceedings under any
federal or state bankruptcy, insolvency or similar law.

Section
2.18.       
Additional Representation of the Company
Concerning the Mortgage Loans. The Company hereby
represents and warrants to the Trust that it does not intend for
the Mortgage Pool to include any Mortgage Loan that is a
“high-cost home loan” as defined under the New Jersey
Home Ownership Security Act of 2002, the New Mexico Home Loan
Protection Act, the Massachusetts Predatory Home Loan Practices Act
or the Indiana Home Loan Practices Act (Indiana Code, Section 24-9
et seq.). Based on the foregoing representation and warranty and on
the Company’s obligation, pursuant to Section 2.08, to
repurchase or substitute for the affected Mortgage Loan in the
event of a breach of the representation set forth in clauses (xxxi)
or (xxxii) of Section 2.08, the other parties hereto agree and
understand that it is not intended for the Mortgage Pool to include
any Mortgage Loan that is a “high-cost home loan” as
defined under the New Jersey Home Ownership Security Act of 2002,
the New Mexico Home Loan Protection Act, the Massachusetts
Predatory Home Loan Practices Act or the Indiana Home Loan
Practices Act (Indiana Code, Section 24-9 et seq.).

ARTICLE III

Administration and Servicing of Mortgage Loans

Section
3.01.       
The Servicer.  Washington
Mutual Bank shall act as Servicer to service and administer the
Mortgage Loans on behalf of the Trust in accordance with the terms
hereof, consistent with prudent mortgage loan servicing practices
and (unless inconsistent with prudent mortgage loan servicing
practices) in the same manner in which, and with the same care,
skill, prudence and diligence with which, it services and
administers similar mortgage loans for other portfolios, and shall
have full power and authority to do or cause to be done any and all
things in connection with such servicing and administration which a
prudent servicer of mortgage loans would do under similar
circumstances, including, without limitation, the power and
authority to bring actions and defend the Mortgage Pool Assets on
behalf of the Trust in order to enforce the terms of the Mortgage
Notes.  The Servicer may perform its servicing
responsibilities through agents or independent contractors, but
shall not thereby be released from any of its responsibilities
hereunder and the Servicer shall diligently pursue all of its
rights against such agents or independent contractors.

The
Servicer shall make reasonable efforts to collect or cause to be
collected 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 Primary Insurance Policy, any FHA insurance policy or VA
guaranty, any hazard insurance policy, and federal flood insurance,
cause to be followed such collection procedures as are followed
with respect to mortgage loans comparable to the Mortgage Loans and
held in portfolios of responsible mortgage lenders in the local
areas where each Mortgaged Property is located. The Servicer shall
enforce “due-on-sale” clauses with respect to the
related Mortgage Loans, to the extent permitted by law, subject to
the provisions set forth in Section 3.08.

Consistent with the foregoing, the Servicer may,
in accordance with prudent mortgage loan servicing practices, (i)
waive or cause to be waived any assumption fee or late payment
charge in connection with the prepayment of any Mortgage Loan and
(ii) only upon determining that the coverage of any applicable
insurance policy or guaranty related to a Mortgage Loan will not be
materially adversely affected, arrange a schedule, running for no
more than 180 days after the first delinquent Due Date, for payment
of any delinquent installment on any Mortgage Note or for the
liquidation of delinquent items.

Consistent with the terms of this Section 3.01,
the 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 it
has determined, exercising its good faith business judgment in the
same manner as it would if it were the owner of the related
Mortgage Loan, that the security for, and the timely and full
collectability of, such Mortgage Loan would not be adversely
affected by such waiver, modification, postponement or indulgence;
provided, however, that (unless the Mortgagor is in default
with respect to the Mortgage Loan or in the reasonable judgment of
the Servicer such default is imminent) the Servicer shall not
permit any modification with respect to any Mortgage Loan that
would (i) change the applicable Mortgage Interest Rate, defer or
forgive the payment of any principal or interest, reduce the
outstanding principal balance (except for actual payments of
principal) or extend the final maturity date with respect to such
Mortgage Loan, or (ii) be inconsistent with the terms of any
applicable Primary Insurance Policy, FHA insurance policy, VA
guaranty, hazard insurance policy or federal flood insurance
policy. Notwithstanding the foregoing, the Servicer shall not
permit any modification with respect to any Mortgage Loan that
would both constitute a sale or exchange of such Mortgage Loan
within the meaning of Section 1001 of the Code (including any
proposed, temporary or final regulations promulgated thereunder)
(other than in connection with a proposed conveyance or assumption
of such Mortgage Loan that is treated as a Principal Prepayment or
in a default situation) and cause any REMIC to fail to qualify as
such under the Code. The Servicer shall be entitled to approve a
request from a Mortgagor for a partial release of the related
Mortgaged Property, the granting of an easement thereon in favor of
another Person, any alteration or demolition of the related
Mortgaged Property or other similar matters if it has determined,
exercising its good faith business judgment in the same manner as
it would if it were the owner of the related Mortgage Loan, that
the security for, and the timely and full collectability of, such
Mortgage Loan would not be adversely affected thereby and that
REMIC I, REMIC II and REMIC III would not fail to continue to
qualify as REMICs under the Code as a result thereof and that no
tax on “prohibited transactions” or
“contributions” after the startup day would be imposed
on any REMIC as a result thereof.

The
Servicer is hereby authorized and empowered by the Trust to, and
shall, execute and deliver or cause to be executed and delivered on
behalf of the Holders of the REMIC I Regular Interests and the
Class R-1 Residual Interest, and the Trust or any of them, any and
all instruments of satisfaction or cancellation, or of partial or
full release, discharge or modification, assignments of Mortgages
and endorsements of Mortgage Notes in connection with refinancings
(in jurisdictions where such assignments are the customary and
usual standard of practice of mortgage lenders) and all other
comparable instruments, with respect to the Mortgage Loans and with
respect to the Mortgaged Properties. The Servicer is hereby further
authorized and empowered by the Trust to execute and deliver or
cause to be executed and delivered on behalf of the Holders of the
REMIC I Regular Interests and the Class R-1 Residual Interest
and the Trust, or any of them, such instruments of assignment or
other comparable instruments as the Servicer shall, in its sole
judgment, deem appropriate in order to register any Mortgage Loan
on the MERS® System or to cause the removal of any Mortgage
Loan from registration thereon. Any expenses incurred in connection
with the actions described in the preceding sentence shall be borne
by the Servicer with no right of reimbursement; provided,
however, that any such expenses incurred as a result of any
termination by MERS of the MERS® System shall be reimbursable
to the Servicer.  The Trustee on behalf of the Trust shall
execute and furnish to the Servicer, at the Servicer’s
direction, any powers of attorney and other documents prepared by
the Servicer and determined by the Servicer to be necessary or
appropriate to enable the Servicer to carry out its supervisory,
servicing and administrative duties under this
Agreement.

The
Servicer shall obtain (to the extent generally commercially
available) and maintain fidelity bond and errors and omissions
coverage acceptable to Fannie Mae or Freddie Mac with respect to
its obligations under this Agreement.  The Servicer shall
establish escrow accounts for, or pay when due (by means of an
advance), any tax liens in connection with the Mortgaged Properties
that are not paid by the Mortgagors when due to the extent that any
such payment would not constitute a Nonrecoverable Advance when
made.

In
connection with the servicing and administering of each Mortgage
Loan, the Servicer and any affiliate of the Servicer (i) may
perform services such as appraisals, default management and (in the
case of affiliates only) brokerage services that are not
customarily provided by servicers of mortgage loans, and shall be
entitled to reasonable compensation therefor and (ii) may, at
its own discretion and on behalf of the Trust, obtain credit
information in the form of a “credit score” from a
credit repository.

Section
3.02.       
Custodial Accounts and Buydown Fund
Accounts. The Servicer shall establish and maintain
the Custodial Account for P&I, Buydown Fund Accounts (if any)
and the special Custodial Account for Reserves and shall deposit or
cause to be deposited therein daily the following amounts received
or advanced by the Servicer with respect to the Mortgage Loans:

(i)        
all scheduled payments of principal;

(ii)       
all scheduled payments of interest, net of the Servicing Fee due to
the Servicer;

(iii)       all
Curtailments and Payoffs; and

(iv)       all
Insurance Proceeds, Liquidation Proceeds, Excess Liquidation
Proceeds and Subsequent Recoveries;

provided,
however, that (x) proceeds received with respect to
individual Mortgage Loans from any title, hazard, or FHA insurance
policy, VA guaranty, Primary Insurance Policy or other insurance
policy (other than any Special Primary Insurance Policy) covering
such Mortgage Loans, if required for the restoration or repair of
the related Mortgaged Property, may be deposited either in the
Custodial Account for Reserves or the Custodial Account for P&I
and (y) such proceeds (other than proceeds from any Special Primary
Insurance Policy), if not required for the restoration or repair of
the related Mortgaged Property, and if not released to the
Mortgagor in accordance with prudent mortgage loan servicing
practices, shall be deposited in the Custodial Account for P&I,
and shall be applied to the balances of the related Mortgage Loans
as payments of interest and principal.

The
Servicer is hereby authorized to make withdrawals from and to issue
drafts against the Custodial Accounts for P&I and the Custodial
Accounts for Reserves for the purposes required or permitted by
this Agreement.

The
Servicer hereby undertakes to assure remittance to the Certificate
Account of all amounts relating to the Mortgage Loans that have
been collected by the Servicer and are due to the Certificate
Account pursuant to Section 4.01 of this Agreement.

Funds
held in the Custodial Account for P&I and the Custodial Account
for Reserves may, at the Servicer’s option, be invested in
(i) one or more Eligible Investments which shall in no event mature
later than the Business Day prior to the related Withdrawal Date
(except if such Eligible Investments are obligations of the
Trustee, such Eligible Investments may mature on the Withdrawal
Date), or (ii) such other instruments as shall be required to
maintain the Ratings.

Section
3.03.       
The Investment Account; Eligible
Investments.(a)     Not later
than the Withdrawal Date, the Servicer shall withdraw or direct the
withdrawal of funds in the Custodial Accounts for P&I, for
deposit in the Investment Account, in an amount representing:

(i)                 
Scheduled installments of principal and interest on the Mortgage
Loans received by the Servicer which were due on the related Due
Date, net of the Servicing Fees and less any amounts to be
withdrawn later by the Servicer from the applicable Buydown Fund
Accounts;

(ii)               
Payoffs and the proceeds of other types of liquidations of the
Mortgage Loans received by the Servicer for such Mortgage Loans
during the applicable Payoff Period, with interest to the date of
Payoff or liquidation less any amounts to be withdrawn later by the
Servicer from the applicable Buydown Fund Accounts; and

(iii)              
Curtailments received by the Servicer in the Prior Period.

At its
option, the Servicer may invest funds withdrawn from the Custodial
Accounts for P&I, as well as any Buydown Funds, Insurance
Proceeds and Liquidation Proceeds previously received by the
Servicer (including amounts paid by the Company in respect of any
Purchase Obligation or its substitution obligations set forth in
Section 2.07 or Section 2.08 or by the Servicer in connection with
the exercise of the option to terminate this Agreement pursuant to
Section 9.01) for its own account and at its own risk, during any
period prior to their deposit in the Certificate Account. Such
funds, as well as any funds which were withdrawn from the Custodial
Accounts for P&I on or before the Withdrawal Date, but not yet
deposited into the Certificate Account, shall immediately be
deposited by the Servicer with the Investment Depository in an
Investment Account in the name of the Servicer and the Trust for
investment only as set forth in this Section 3.03. The Servicer
shall bear any and all losses incurred on any investments made with
such funds and shall be entitled to retain all gains realized on
such investments as additional servicing compensation. Not later
than the Business Day prior to the Distribution Date, the Servicer
shall deposit such funds, net of any gains (except Payoff Earnings)
earned thereon, in the Certificate Account.

(b)       
Funds held in the Investment Account shall be invested in (i) one
or more Eligible Investments which shall in no event mature later
than the Business Day prior to the related Distribution Date
(except if such Eligible Investments are obligations of the
Trustee, such Eligible Investments may mature on the Distribution
Date), or (ii) such other instruments as shall be required to
maintain the Ratings.

Section
3.04.       
The Certificate Account.

(a)        On
or prior to the Closing Date, the Trustee shall establish or cause
to be established the Certificate Account, which shall be entitled
“Washington Mutual Mortgage Pass-Through Certificates WMALT
Series 2005-4 Trust Certificate Account under the Pooling and
Servicing Agreement, dated as of May 1, 2005, among Washington
Mutual Mortgage Securities Corp., as Depositor, Washington Mutual
Bank, as Servicer, LaSalle Bank National Association, as the
Trustee, and Christiana Bank & Trust Company, as the Delaware
Trustee, for the benefit of Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust created pursuant
thereto”.  Promptly after the Closing Date, the Trustee
shall communicate to the Servicer the account number and wiring
instructions for the Certificate Account.

Not
later than the Business Day prior to the related Distribution Date,
the Servicer shall direct the Investment Depository to deposit into
the Certificate Account the amounts previously deposited into the
Investment Account (which may include a deposit of Eligible
Investments) to which the Holders of the REMIC I Regular Interests,
the Class R-1 Residual Interest and the Certificate Insurer are
entitled or which are necessary for payment of any Special Primary
Insurance Premiums. In addition, not later than the Business Day
prior to the Distribution Date, the Servicer shall deposit into the
Certificate Account any Monthly P&I Advances or other payments
required to be made by the Servicer pursuant to Section 4.02 of
this Agreement and any Insurance Proceeds or Liquidation Proceeds
(including amounts paid by the Company in respect of any Purchase
Obligation) not previously deposited in the Custodial Accounts for
P&I or the Investment Account, and any amounts paid by the
Servicer in connection with the exercise of its option to terminate
this Agreement pursuant to Section 9.01 or any other purchase of
Mortgage Loans permitted by this Agreement. The Trustee shall
deposit into the Certificate Account amounts received under the
Certificate Insurance Policy in accordance with Section 3.21(b)
hereof.

(b)       
Funds held in the Certificate Account shall be invested at the
written direction of the Servicer in (i) one or more Eligible
Investments which shall in no event mature later than the Business
Day prior to the related Distribution Date (except if such Eligible
Investments are obligations of the Trustee, such Eligible
Investments may mature on the Distribution Date), or (ii) such
other instruments as shall be required to maintain the
Ratings.  The Servicer shall be entitled to receive any gains
earned on such Eligible Investments and shall bear any losses
suffered in connection therewith.  If the Trustee has not
received such written investment directions from the Servicer, the
Trustee shall not invest funds held in the Certificate
Account.  The Trustee shall have no liability for any losses
on investments of funds held in the Certificate Account.

Section
3.05.       

Permitted Withdrawals from the Certificate
Account, the Investment Account, Custodial Accounts for P&I 
and Custodial Accounts
for Reserves and of Buydown Funds
from the Buydown Fund Accounts.

(a)        
The Servicer is authorized to make withdrawals
(or, in the case of the Certificate Account, to direct the Trustee
to make withdrawals), from time to time, from the Investment
Account, the Certificate Account, the Custodial Accounts for
P&I or the Custodial
Accounts for Reserves of amounts
deposited therein in respect of the Certificates (and, to the
extent applicable, to make deposits of the amounts withdrawn), as
follows:

(i)                 
To reimburse itself for Monthly P&I Advances made pursuant to
Section 4.02, such right to reimbursement pursuant to this
paragraph (i) being limited to amounts received on particular
Mortgage Loans (including, for this purpose, Insurance Proceeds and
Liquidation Proceeds) which represent late recoveries of principal
and/or interest respecting which any such Monthly P&I Advance
was made;

(ii)               
To reimburse itself for amounts expended by or for the account of
the Servicer pursuant to Section 3.09 in connection with the
restoration of property damaged by an Uninsured Cause or in
connection with the liquidation of a Mortgage Loan;

(iii)              
To pay to itself, with respect to the related Mortgage Loans, the
Servicing Fee (net of Compensating Interest reduced by Payoff
Earnings and Payoff Interest) as to which no prior withdrawals from
funds deposited by the Servicer have been made;

(iv)             

To reimburse itself for the following amounts
advanced with respect to Mortgage Loans (except for Mortgage Loans
purchased by the Servicer):   (A) amounts advanced with respect to
payments of taxes referred to in the last sentence of the sixth
paragraph of Section 3.01 (to the extent that such amounts have not
otherwise been recovered by the Servicer), (B) amounts incurred in
maintaining any insurance described in Section 3.07 and (C)
amounts which the Servicer has determined to be
Nonrecoverable Advances;

(v)               
To pay to itself reinvestment earnings deposited or earned in the
Investment Account and the Certificate Account to which it is
entitled and to reimburse itself for expenses incurred by and
reimbursable to it pursuant to Section 6.03;

(vi)             
To deposit to the Investment Account amounts in the Certificate
Account not required to be on deposit therein at the time of such
withdrawal;

(vii)            
To deposit in the Certificate Account, not later than the Business
Day prior to the related Distribution Date, the amounts in the
Investment Account specified in Section 3.04(a);

(viii)          
To pay on behalf of the Trustee any Special Primary Insurance
Premium payable by the Trustee pursuant to Section 4.05(a);
provided, the Servicer shall give written notice thereof to
the Trustee prior to noon New York City time two Business Days
prior to the applicable Distribution Date; and

after making or providing for the
above withdrawals

(ix)             
To clear and terminate the Investment Account and the Certificate
Account following termination of this Agreement pursuant to Section
9.01.

Since,
in connection with withdrawals pursuant to paragraphs (i) and (ii),
the Servicer’s entitlement thereto is limited to collections
or other recoveries on the related Mortgage Loan, the Servicer
shall keep and maintain, separate accounting for each Mortgage
Loan, for the purpose of justifying any such
withdrawals.

(b)        The
Servicer is authorized to make withdrawals, from time to time, of
Buydown Funds from the Buydown Fund Account or Custodial Account
for P&I (and, to the extent applicable, to make deposits of the
amounts withdrawn), as follows:

(i)                 
To deposit each month in the Investment Account the amount
necessary to supplement payments received on Buydown Loans;

(ii)               
In the event of a Payoff of any Mortgage Loan having a related
Buydown Fund, to apply amounts remaining in Buydown Fund Accounts
to reduce the required amount of such principal Payoff (or, if the
Mortgagor has made a Payoff, to refund such remaining Buydown Fund
amounts to the Person entitled thereto);

(iii)              
In the event of foreclosure or liquidation of any Mortgage Loan
having a Buydown Fund, to deposit remaining Buydown Fund amounts in
the Investment Account as Liquidation Proceeds; and

(iv)             
To clear and terminate the portion of any account representing
Buydown Funds following termination of this Agreement pursuant to
Section 9.01.

(c)        The
Trustee is authorized to make withdrawals from time to time from
the Certificate Account to reimburse itself for advances it has
made as successor Servicer pursuant to Section 7.01(a) hereof that
it has determined to be Nonrecoverable Advances.

Section
3.06.       
Maintenance of Primary Insurance Policies;
Collections Thereunder. The Servicer shall use
commercially reasonable efforts to keep in full force and effect
each Primary Insurance Policy (except any Special Primary Insurance
Policy) required with respect to a Mortgage Loan until no longer
required, and the Servicer shall use commercially reasonable
efforts to keep in full force and effect each Special Primary
Insurance Policy, if any. Notwithstanding the foregoing, the
Servicer shall have no obligation to maintain any Primary Insurance
Policy for a Mortgage Loan for which the outstanding Principal
Balance thereof at any time subsequent to origination was 80% or
less of the Appraised Value of the related Mortgaged Property,
unless required by applicable law.

Unless
required by applicable law, the Servicer shall not cancel or refuse
to renew any Primary Insurance Policy in effect at the date of the
initial issuance of the Certificates that is required to be kept in
force hereunder; provided, however, that the Servicer shall
not advance funds for the payment of any premium due under (i) any
Primary Insurance Policy (other than a Special Primary Insurance
Policy) if it shall determine that such an advance would be a
Nonrecoverable Advance or (ii) any Special Primary Insurance
Policy.

Section
3.07.       
Maintenance of Hazard
Insurance. The Servicer shall cause to be maintained
for each Mortgage Loan (other than a Cooperative Loan) fire
insurance with extended coverage in an amount which is not less
than the original principal balance of such Mortgage Loan, except
in cases approved by the Servicer in which such amount exceeds the
value of the improvements to the Mortgaged Property. The Servicer
shall also require fire insurance with extended coverage in a
comparable amount on property acquired upon foreclosure, or deed in
lieu of foreclosure, of any Mortgage Loan (other than a Cooperative
Loan). Any amounts collected under any such policies (other than
amounts to be applied to the restoration or repair of the related
Mortgaged Property) shall be deposited into the Custodial Account
for P&I, subject to withdrawal pursuant to Section 3.03 and
Section 3.05. Any unreimbursed costs incurred in maintaining any
insurance described in this Section 3.07 shall be recoverable as an
advance by the Servicer from the Custodial Account for P&I, the
Investment Account or the Certificate Account. Such insurance shall
be with insurers approved by the Servicer and Fannie Mae or Freddie
Mac. Other additional insurance may be required of a Mortgagor, in
addition to that required pursuant to such applicable laws and
regulations as shall at any time be in force and as shall require
such additional insurance. Where any part of any improvement to the
Mortgaged Property (other than a Mortgaged Property secured by a
Cooperative Loan) is located in a federally designated special
flood hazard area and in a community which participates in the
National Flood Insurance Program at the time of origination of the
related Mortgage Loan, the Servicer shall cause flood insurance to
be provided. The hazard insurance coverage required by this Section
3.07 may be met with blanket policies providing protection
equivalent to individual policies otherwise required.  The
Servicer shall be responsible for paying any deductible amount on
any such blanket policy.  The Servicer agrees to present, or
cause to be presented, on behalf of and for the benefit of the
Trust, claims under the hazard insurance policy respecting any
Mortgage Loan, and in this regard to take such reasonable actions
as shall be necessary to permit recovery under such policy.

Section
3.08.       
Enforcement of Due-on-Sale Clauses;
Assumption Agreements. When any Mortgaged Property
is about to be conveyed by the Mortgagor, the Servicer shall, to
the extent it has knowledge of such prospective conveyance and
prior to the time of the consummation of such conveyance, exercise
on behalf of the Trust the Trust’s rights to accelerate the
maturity of such Mortgage Loan, to the extent that such
acceleration is permitted by the terms of the related Mortgage
Note, under any “due-on-sale” clause applicable
thereto; provided, however, that the Servicer shall not
exercise any such right if the due-on-sale clause, in the
reasonable belief of the Servicer, is not enforceable under
applicable law or if such exercise would result in non-coverage of
any resulting loss that would otherwise be covered under any
insurance policy. In the event the Servicer is prohibited from
exercising such right, the Servicer is authorized to take or enter
into an assumption and modification agreement from or with the
Person to whom a Mortgaged Property has been or is about to be
conveyed, pursuant to which such Person becomes liable under the
Mortgage Note and, unless prohibited by applicable state law or
unless the Mortgage Note contains a provision allowing a qualified
borrower to assume the Mortgage Note, the Mortgagor remains liable
thereon; provided that the Mortgage Loan shall continue to be
covered (if so covered before the Servicer enters such agreement)
by any related Primary Insurance Policy. The 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 Mortgagor and
becomes liable under the Mortgage Note.  The Servicer shall
not enter into any substitution or assumption with respect to a
Mortgage Loan if such substitution or assumption shall (i) both
constitute a “significant modification” effecting an
exchange or reissuance of such Mortgage Loan under the Code (or
Treasury regulations promulgated thereunder) and cause the REMICs
to fail to qualify as a REMIC under the REMIC Provisions or (ii)
cause the imposition of any tax on “prohibited
transactions” or “contributions” after the
startup day under the REMIC Provisions.  The Servicer shall
notify the Trustee that any such substitution or assumption
agreement has been completed by forwarding to the Trustee (or the
Custodian) the original copy of such substitution or assumption
agreement and other documents and instruments constituting a part
thereof. In connection with any such assumption or substitution
agreement, the terms of the related Mortgage Note shall not be
changed. Any fee collected by the Servicer for entering into an
assumption or substitution of liability agreement shall be retained
by the Servicer as additional servicing compensation.

Notwithstanding the foregoing paragraph or any
other provision of this Agreement, the Servicer shall not be deemed
to be in default, breach or otherwise in violation of any of its
obligations hereunder by reason of any assumption of a Mortgage
Loan by operation of law or any assumption which the Servicer may
be restricted by law from preventing, for any reason
whatsoever.

Section
3.09.       
Realization Upon Defaulted Mortgage
Loans. The Servicer shall foreclose upon or
otherwise comparably convert, or cause to be foreclosed upon or
comparably converted, the ownership of any Mortgaged Property
securing a Mortgage Loan which comes into and continues in default
and as to which no satisfactory arrangements can be made for
collection of delinquent payments pursuant to Section 3.01. In lieu
of such foreclosure or other conversion, and taking into
consideration the desirability of maximizing net Liquidation
Proceeds after taking into account the effect of Insurance Proceeds
upon Liquidation Proceeds, the Servicer may, to the extent
consistent with prudent mortgage loan servicing practices, accept a
payment of less than the outstanding Principal Balance of a
delinquent Mortgage Loan in full satisfaction of the indebtedness
evidenced by the related Mortgage Note and release the lien of the
related Mortgage upon receipt of such payment. The Servicer shall
not foreclose upon or otherwise comparably convert a Mortgaged
Property if the Servicer is aware of evidence of toxic waste, other
hazardous substances or other evidence of environmental
contamination thereon and the Servicer determines that it would be
imprudent to do so. In connection with such foreclosure or other
conversion, the Servicer shall cause to be followed such practices
and procedures as it shall deem necessary or advisable and as shall
be normal and usual in general mortgage servicing activities. The
foregoing is subject to the provision that, in the case of damage
to a Mortgaged Property from an Uninsured Cause, the Servicer shall
not be required to advance its own funds towards the restoration of
the property unless it shall be determined in the sole judgment of
the Servicer, (i) that such restoration will increase the proceeds
of liquidation of the Mortgage Loan to Certificateholders after
reimbursement to itself for such expenses, and (ii) that such
expenses will be recoverable to it through Liquidation Proceeds.
The Servicer shall be responsible for all other costs and expenses
incurred by it in any such proceedings; provided, however,
that it shall be entitled to reimbursement thereof (as well as its
normal servicing compensation) as an advance. The Servicer shall
maintain information required for tax reporting purposes regarding
any Mortgaged Property which is abandoned or which has been
foreclosed or otherwise comparably converted. The Servicer shall
report such information to the Internal Revenue Service and the
Mortgagor in the manner required by applicable law.

The Servicer may enter into one or more
special servicing agreements with a Lowest Class B Owner, subject
to each Rating Agency’s acknowledgment that the Ratings of
the Certificates in effect immediately prior to the entering into
of such agreement would not be qualified, downgraded or withdrawn
(without regard to the Certificate Insurance Policy) and the
Certificates would not be placed on credit review status (except
for possible upgrading) as a result of such agreement.  Any
such agreement may contain provisions whereby such Lowest Class B
Owner may (a) instruct the Servicer to commence or delay
foreclosure proceedings with respect to delinquent Mortgage Loans,
provided that the Lowest Class B Owner deposits a specified amount
of cash with the Servicer that will be available for distribution
to Certificateholders if Liquidation Proceeds are less than they
otherwise may have been had the Servicer acted pursuant to its
normal servicing procedures, (b) purchase such delinquent Mortgage
Loans from the Trust immediately prior to the commencement of
foreclosure proceedings at a price equal to the aggregate
outstanding Principal Balance of such Mortgage Loans plus accrued
interest thereon at the applicable Mortgage Interest Rate through
the last day of the month in which such Mortgage Loans are
purchased and/or (c) assume all of the servicing rights and
obligations with respect to such delinquent Mortgage Loans so long
as (i) the Servicer has the right to transfer the servicing rights
and obligations of such Mortgage Loans to another servicer and (ii)
such Lowest Class B Owner will service such Mortgage Loans in
accordance with the terms of this Agreement.

REMIC
I shall not acquire any real property (or personal property
incident to such real property) except in connection with a default
or imminent default of a Mortgage Loan. In the event that REMIC I
acquires any real property (or personal property incident to such
real property) in connection with a default or imminent default of
a Mortgage Loan, such property shall be disposed of by the Servicer
as soon as practicable in a manner that, consistent with prudent
mortgage loan servicing practices, maximizes the net present value
of the recovery to the Trust, but in any event within three years
after its acquisition by the Servicer for REMIC I unless the
Servicer provides to the Trustee an Opinion of Counsel to the
effect that the holding by REMIC I of such Mortgaged Property
subsequent to three years after its acquisition will not result in
the imposition of taxes on “prohibited transactions” of
REMIC I as defined in Section 860F of the Code or under the law of
any state in which real property securing a Mortgage Loan owned by
REMIC I is located or cause REMIC I to fail to qualify as a REMIC
for federal income tax purposes or for state tax purposes under the
laws of any state in which real property securing a Mortgage Loan
owned by REMIC I is located at any time that any Certificates are
outstanding. The Servicer shall conserve, protect and operate each
such property for the Certificateholders solely for the purpose of
its prompt disposition and sale in a manner which does not cause
such property to fail to qualify as “foreclosure
property” within the meaning of Section 860G(a)(8) or result
in the receipt by the 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. Pursuant
to its efforts to sell such property, the Servicer shall either
itself or through an agent selected by the Servicer protect and
conserve such property in the same manner and to such extent as is
customary in the locality where such property is located and may,
incident to its conservation and protection of the assets of the
Trust, rent the same, or any part thereof, as the Servicer deems to
be in the best interest of the Servicer and the Trust for the
period prior to the sale of such property. Additionally, the
Servicer shall perform the tax withholding and shall file
information returns with respect to the receipt of mortgage
interests received in a trade or business, the reports of
foreclosures and abandonments of any Mortgaged Property and the
information returns relating to cancellation of indebtedness income
with respect to any Mortgaged Property required by Sections 6050H,
6050J and 6050P, respectively, of the Code, and deliver to the
Trustee an Officers’ Certificate on or before March 31 of
each year stating that such reports have been filed.  Such
reports shall be in form and substance sufficient to meet the
reporting requirements imposed by Sections 6050H, 6050J and 6050P
of the Code.

Notwithstanding any other provision of this
Agreement, the Servicer and the Trustee, as applicable, shall
comply with all federal withholding requirements with respect to
payments to Certificateholders of interest or original issue
discount that the Servicer or the Trustee reasonably believes are
applicable under the Code.  The consent of Certificateholders
shall not be required for any such withholding.  Without
limiting the foregoing, the Servicer agrees that it will not
withhold with respect to payments of interest or original issue
discount in the case of a Certificateholder that has furnished or
caused to be furnished an effective Form W-8 or an acceptable
substitute form or a successor form and who is not a “10
percent shareholder” within the meaning of Code Section
871(h)(3)(B) or a “controlled foreign corporation”
described in Code Section 881(c)(3)(C) with respect to REMIC I,
REMIC II or the  depositor.  In the event the Trustee
withholds 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 Certificateholder.

Section
3.10.       
Trustee to Cooperate; Release of Mortgage
Files. Upon the Payoff or scheduled maturity of any
Mortgage Loan, the Servicer shall cause such final payment to be
immediately deposited in the related Custodial Account for P&I
or the Investment Account.  The Servicer shall promptly notify
the Trustee thereof by a certification (which certification shall
include a statement to the effect that all amounts received in
connection with such payment which are required to be deposited in
either such account have been so deposited) of a Servicing Officer
and shall request delivery to it of the Mortgage File; provided,
however, that such certification shall not be required if the
Mortgage File is held by a Custodian which is also the Servicer of
the Mortgage Loan. Upon receipt of such certification and request,
the Trustee (or Custodian) shall, not later than the fifth
succeeding Business Day, release, or cause to be released, the
related Mortgage File to the Servicer. With any such Payoff or
other final payment, the Servicer is authorized (i) to prepare for
and procure from the trustee or mortgagee under the Mortgage which
secured the Mortgage Note a deed of full reconveyance or other form
of satisfaction or assignment of Mortgage and endorsement of
Mortgage Note in connection with a refinancing covering the
Mortgaged Property, which satisfaction, endorsed Mortgage Note or
assigning document shall be delivered by the Servicer to the person
or persons entitled thereto, and (ii) with respect to any MERS
Loan, to cause the removal of such Mortgage Loan from registration
on the MERS® System. No expenses incurred in connection with
such satisfaction or assignment shall be payable to the Servicer by
the Trustee or from the Certificate Account, the related Investment
Account or the related Custodial Account for P&I. From time to
time as appropriate for the servicing or foreclosure of any
Mortgage Loan, including, for this purpose, collection under any
Primary Insurance Policy, the Trustee (or Custodian) shall, upon
request of the Servicer and delivery to it of a trust receipt
signed by a Servicing Officer, release not later than the fifth
Business Day following the date of receipt of such request and
trust receipt the related Mortgage File to the Servicer and shall
execute such documents as shall be necessary to the prosecution of
any such proceedings. Such trust receipt shall obligate the
Servicer to return the Mortgage File to the Trustee (or Custodian)
when the need therefor by the Servicer no longer exists, unless the
Mortgage Loan shall be liquidated, in which case, upon receipt of a
certificate of a Servicing Officer similar to that herein above
specified, the trust receipt shall be released by the Trustee to
the Servicer.

Section
3.11.       
Compensation to the Servicer.
As compensation for its activities hereunder, the Servicer shall be
entitled to receive from the accounts listed in Section 3.05(a) the
amounts provided for by Section 3.05(a)(iii). The Servicer shall be
required to pay all expenses incurred by it in connection with its
activities hereunder and shall not be entitled to reimbursement
therefor, except as specifically provided herein.

Section
3.12.       
Reports to the Trustee; Certificate Account
Statement. Not later than 15 days after each
Distribution Date, the Servicer shall forward a statement,
certified by a Servicing Officer, to the Trustee and the
Certificate Insurer setting forth the status of the Certificate
Account as of the close of business on such Distribution Date and
showing, for the period covered by such statement, the aggregate of
deposits into and withdrawals from the Certificate Account for each
category of deposit specified in Section 3.04 and each category of
withdrawal specified in Section 3.05, and stating that all
distributions required by this Agreement have been made (or if any
required distribution has not been made, specifying the nature and
amount thereof).  The Trustee shall make available such
statements to any Certificateholder upon request at the expense of
the Servicer. Such statement shall also, to the extent available,
include information regarding delinquencies on the Mortgage Loans,
indicating the number and aggregate Principal Balance of Mortgage
Loans which are one, two, three or more months delinquent, the
number and aggregate Principal Balance of Mortgage Loans with
respect to which foreclosure proceedings have been initiated and
the book value of any Mortgaged Property acquired by the Trust
through foreclosure, deed in lieu of foreclosure or other exercise
of the Trust’s security interest in the Mortgaged Property.
The filing of such statement and reports with the Trustee is for
informational purposes only, and, except for making available such
statements and reports to any Certificateholder, upon request, the
Trustee shall have no responsibility with respect thereto.

Section
3.13.       
Annual Statement as to
Compliance. The Servicer shall deliver to the
Trustee and the Certificate Insurer, on or before April 30 of each
year, beginning with the first April 30 succeeding the Cut-Off Date
by at least six months, an Officer’s Certificate stating as
to the signer thereof, that (i) a review of the activities of the
Servicer during the preceding calendar year and performance under
this Agreement has been made under such officer’s
supervision, and (ii) to the best of such officer’s
knowledge, based on such review, the Servicer has fulfilled all 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 such statement shall be provided by
the Servicer to Certificateholders upon request or by the Trustee
(solely to the extent that such copies are available to the
Trustee) at the expense of the Servicer, should the Servicer fail
to so provide such copies.

Section
3.14.       
Access to Certain Documentation and
Information Regarding the Mortgage Loans. In the
event that the Certificates are legal for investment by
federally-insured savings associations, the Servicer shall provide
to the OTS, the FDIC and the supervisory agents and examiners of
the OTS and the FDIC access to the documentation regarding the
related Mortgage Loans required by applicable regulations of the
OTS or the FDIC, as applicable, and shall in any event provide such
access to the documentation regarding such Mortgage Loans to the
Trustee and its representatives, such access being afforded without
charge, but only upon reasonable request and during normal business
hours at the offices of the Servicer designated by it.

Section
3.15.       
Annual Independent Public Accountants’
Servicing Report. On or before April 30 of each
year, beginning with the first April 30 succeeding the Cut-Off Date
by at least six months, the Servicer, at its expense, shall furnish
to the Trustee and the Certificate Insurer a copy of a report
delivered to the Servicer by a firm of independent public
accountants (who may also render other services to the Servicer or
any affiliate thereof) to the effect that, on the basis of an
examination conducted by such firm in accordance with standards
established by the American Institute of Certified Public
Accountants, the Servicer has complied with certain minimum
residential mortgage loan servicing standards in its role as
Servicer with respect to the servicing of residential mortgage
loans (including the Mortgage Loans) during the most recently
completed fiscal year.  In rendering its report such firm may
rely, (a) as to matters relating to the Certificates, upon a
statistical sampling of series of mortgage-backed certificates
which may include the Certificates and (b) as to matters relating
to the direct servicing of residential mortgage loans by
subservicers, 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 subservicers.

Section
3.16.       
Yield Maintenance Account.
  On or prior to the Closing
Date, the Trustee shall cause to be established and maintained the
Yield Maintenance Account, into which amounts received by the
Trustee from the applicable Cap Counterparty pursuant to the Yield
Maintenance Agreements shall be deposited for the benefit of the
Class CB-1, Class CB-3, Class CB-9, Class CB-13, Class 5-A-2 and
Class 5-A-5 Certificates.  On each Distribution Date, the
Trustee shall withdraw from the Yield Maintenance Account, to the
extent funds are available therein and in accordance with the
statement received from the Servicer pursuant to Section 4.02(b),
the Yield Maintenance Payment Amounts for the Class CB-1, Class
CB-3, Class CB-9, Class CB-13, Class 5-A-2 and Class 5-A-5
Certificates for such Distribution Date and deposit such amounts in
the Certificate Account for payment to such Classes of Certificates
pursuant to Section 4.05(a).

Amounts on deposit in the Yield
Maintenance Account shall not be invested and shall not be held in
an interest-bearing account.

The Trustee shall withdraw from the Yield
Maintenance Account and pay to itself any amounts remaining in the
Yield Maintenance Account after the later of the Final Yield
Maintenance Payment Date for the Class CB-1, Class CB-3, Class
CB-9, Class CB-13, Class 5-A-2 and Class 5-A-5
Certificates.

To the extent that it constitutes a
“reserve fund” for purposes of the REMIC Provisions,
the Yield Maintenance Account established hereunder shall be an
“outside reserve fund” as defined in Treasury
Regulation 1.860G-2(h), and in that regard (i) such fund shall be
an outside reserve fund and not an asset of any REMIC, (ii) such
fund shall be owned for federal tax purposes by the Trustee, and
the Trustee shall report all amounts of income, deduction, gain or
loss accruing therefrom, and (iii) amounts transferred by the REMIC
to the fund shall be treated as distributed by the REMIC to the
Trustee.  The Servicer shall deliver to the Trustee an annual
statement showing (x) the amounts received by the Trustee, in its
capacity as owner of the Yield Maintenance Account for federal tax
purposes, as payments on the Yield Maintenance Agreements, and (y)
the amounts paid to Certificateholders from such amounts received.
The Servicer shall indemnify the Trustee to the extent that any tax
liability of the Trustee, in its capacity as owner of the Yield
Maintenance Account for federal tax purposes (including the amount
of any tax liability resulting from the indemnity payment), exceeds
the net funds (that is, the excess of the amount in clause (x)
above over the amount in clause (y) above), if any, received by the
Trustee from such account.

Section
3.17.       
Maintenance of the Class CB-15 Reserve
Fund..  On or
prior to the Closing Date, the Trustee shall cause to be
established and maintained the Class CB-15 Reserve Fund, into which
an amount equal to $14,725 shall be contributed by the Underwriter,
to provide coverage with respect to any Class CB-15 Covered Payoff
Shortfall Amount.  For each Distribution Date, so long as
funds remain on deposit in the Class CB-15 Reserve Fund, the
Servicer shall calculate the Class CB-15 Covered Payoff Shortfall
Amount for such Distribution Date, and shall notify the Trustee by
noon New York City time two Business Days prior to the Distribution
Date of such amount.  On each such Distribution Date, the
Trustee shall then withdraw from the Class CB-15 Reserve Fund, to
the extent funds are available therein, the Class CB-15 Covered
Payoff Shortfall Amount and deposit such amount in the Certificate
Account for payment to the Class CB-15 Certificateholders pursuant
to Section 4.05(a) (and shall be deemed to have distributed such
amount to the Class CB-15-L Regular Interest pursuant to Section
4.04

The Trustee shall withdraw from the Class
CB-15 Reserve Fund and pay to the Underwriter any amounts remaining
in the Class CB-15 Reserve Fund on the Distribution Date on which
the Class CB-15 Principal Balance has been reduced to
zero.

Amounts on deposit in the Class CB-15
Reserve Fund shall not be invested and shall not be held in an
interest-bearing account.

To the extent that it constitutes a
“reserve fund” for purposes of the REMIC Provisions,
the Class CB-15 Reserve Fund established hereunder shall be an
“outside reserve fund” as defined in Treasury
Regulation 1.860G-2(h), and in that regard (i) such fund shall be
an outside reserve fund and not an asset of any REMIC, (ii) such
fund shall be owned for federal tax purposes by the Underwriter,
and the Underwriter shall report all amounts of income, deduction,
gain or loss accruing therefrom, and (iii) amounts transferred by
the REMIC to the fund shall be treated as distributed by the REMIC
to the Underwriter.

Section
3.18.       
[Reserved.] 

Section
3.19.       
Determination of LIBOR by
Servicer.  

(a)       
With respect to the first Distribution Date,
LIBOR shall be 3.000% for the Class CB-1 and Class CB-2
Certificates, shall be 2.860% for the Class CB-3 and Class CB-4
Certificates, shall be 3.080% for the Class CB-9, Class CB-10,
Class CB-13 and Class CB-14 Certificates and shall be 3.090% for
the Class 5-A-2, Class 5-A-3, Class 5-A-5 and Class 5-A-6
Certificates. With respect to each Distribution Date thereafter,
the Servicer will determine LIBOR on the related LIBOR
Determination Date on the basis of the “Interest Settlement Rate” for
United States dollar deposits of one-month maturity set by the
British Bankers’ Association (the “BBA”) as of
11:00 a.m. (London time) on such LIBOR Determination Date as found
on any of the Moneyline Telerate Service (formerly the Dow Jones
Markets) page 3750, the Reuters Monitor Money Rates Service
page “LIBOR01” or the Bloomberg L.P. page
“BBAM” (each such page, or such other page as may
replace any of the foregoing on such service or such other service
as may be nominated by the BBA as the information vendor for the
purpose of displaying the BBA’s Interest Settlement Rates for
deposits in United States dollars, each, a “Designated
Telerate Page”).

(b)       
If on any LIBOR Determination Date, such Interest Settlement Rates
are not available from any Designated Telerate Page, LIBOR for the
related accrual period will be the most recently published Interest
Settlement Rate.  In the event that the BBA no longer sets an
Interest Settlement Rate, the Servicer shall calculate LIBOR for
the immediately following accrual period as follows:  the
Servicer will determine LIBOR by reference to the quotations
offered by the principal London office of each of the designated
Reference Banks meeting the criteria set forth below for making
one-month United States dollar deposits in leading banks in the
London Interbank market, as of 11:00 a.m. (London time) on the
LIBOR Determination Date.  Under this method LIBOR will be
established by the Servicer on each LIBOR Determination Date as
follows:

(i)        
If on any LIBOR Determination Date two or more Reference Banks
provide offered quotations, LIBOR for the next interest accrual
period shall be the arithmetic mean of the offered quotations,
carrying the result (expressed as a percentage) out to six decimal
places, and rounding to five decimal places.

(ii)        If
on any LIBOR Determination Date only one or none of the Reference
Banks provides offered quotations, LIBOR for the next interest
accrual period shall be the greater of:

·       
LIBOR as determined on the previous LIBOR Determination Date (or,
in the case of the first LIBOR Determination Date and the Class CB-1 and Class CB-2 Certificates, 3.000%; in the case of the first LIBOR
Determination Date and the Class CB-3 and Class CB-4 Certificates,
2.860%; in the case of the first LIBOR Determination Date and the
Class CB-9, Class CB-10, Class CB-13 and Class CB-14 Certificates,
3.080%; and in the case of the first LIBOR Determination Date and
the Class 5-A-2, Class 5-A-3, Class 5-A-5 and
Class 5-A-6 Certificates, 3.090%)
or

·       
the Reserve Interest Rate.

The “Reserve Interest Rate”
shall be the rate per annum that the Servicer determines to be
either:

·       
the arithmetic mean, (expressed as a percentage) carried out to six
decimal places, and rounded to five decimal places, of the
one-month United States dollar lending rates that New York City
banks selected by the Servicer are quoting, on the relevant LIBOR
Determination Date, to the principal London offices of at least two
of the Reference Banks to which the quotations are, in the opinion
of the Servicer, being so made, or

·       
if the Servicer cannot determine the arithmetic mean, the lowest
one-month United States dollar lending rate which New York City
banks selected by the Servicer are quoting on the LIBOR
Determination Date to leading European banks.

(iii)       If
on any LIBOR Determination Date the Servicer is required but is
unable to determine the Reserve Interest Rate in the manner
provided in paragraph (ii) above, LIBOR for the next interest
accrual period shall be LIBOR as determined on the preceding LIBOR
Determination Date (or, in the case of the first LIBOR
Determination Date and the Class CB-1 and Class
CB-2 Certificates, 3.000%; in the
case of the first LIBOR Determination Date and the Class CB-3 and
Class CB-4 Certificates, 2.860%; in the case of the first LIBOR
Determination Date and the Class CB-9, Class CB-10, Class CB-13 and
Class CB-14 Certificates, 3.080%; and in the case of the first
LIBOR Determination Date and the Class 5-A-2,
Class 5-A-3, Class 5-A-5 and Class 5-A-6 Certificates, 3.090%).

Each “Reference Bank” (i) will
be a leading bank engaged in transactions in Eurodollar deposits in
the international Eurocurrency market, (ii) will not control, be
controlled by, or be under common control with, the Servicer and
(iii) will have an established place of business in London. 
If any Reference Bank should be unwilling or unable to act as such
or if the Servicer should terminate the designation of any such
reference bank, the Servicer will promptly designate another
leading bank meeting the criteria specified above.  If on any
such LIBOR Determination Date, the Servicer calculates LIBOR on the
basis of the provisions of this Section 3.19(b), the Servicer
shall designate the Reference Banks. 

(c)        The
establishment of LIBOR on each LIBOR Determination Date by the
Servicer for the related accrual period will, in the absence of
manifest error, be final and binding.

Section
3.20.       
[Reserved.]

Section
3.21.       

Maintenance of the Certificate Insurance
Policy; Collections Thereunder.

(a)       
Prior to noon New York City time on the third Business Day prior to
each Distribution Date, the Servicer shall, with respect to the
Insured Certificates, determine if a Deficiency Amount for such
Distribution Date exists and, if so, shall immediately notify the
Trustee and the Certificate Insurer in writing of such amount; the
Trustee, upon receipt of such notice, shall complete the Notice of
Claim and submit such Notice of Claim in accordance with the
Certificate Insurance Policy to the Certificate Insurer no later
than noon, New York City time, on the second Business Day
immediately preceding such Distribution Date, as a claim for an
Insured Amount in an amount equal to such Deficiency Amount. If at
any time the Trustee receives a certified copy of an order of an
appropriate court that any payment of principal and interest on the
Insured Certificates constitutes a Preference Amount, the Trustee,
at the expense of the Servicer, shall take the actions required on
its part by the terms of the Certificate Insurance Policy to obtain
payment of such Preference Amount by the Certificate
Insurer.

(b)       
Upon receipt of an Insured Amount from the Certificate Insurer on
behalf of the Holders of the Insured Certificates, the Trustee
shall deposit such Insured Amount in the Certificate Account. 
All such amounts on deposit in the Certificate Account shall remain
uninvested.  The Trustee shall include on each Distribution
Date any amounts received by it from or on behalf of the
Certificate Insurer with respect to a Deficiency Amount for such
Distribution Date (i) in the amount distributed to the Holders of
the Insured Certificates pursuant to Section 4.05 and (ii) in the
amount deemed to have been distributed to the Class CB-15-L Regular
Interest and deposited for its benefit into the Certificate Account
pursuant to Section 4.04.  If on any Distribution Date the
Servicer notifies the Trustee in writing that it has determined
that the Certificate Insurer has paid more under the Certificate
Insurance Policy than is required by the terms thereof, the Trustee
shall promptly return the excess amount to the Certificate Insurer
from available funds in the Certificate Account.

(c)        The
Trustee shall (i) receive as attorney-in-fact of the Holders of the
Insured Certificates (and each such Holder, by its acceptance of
its Insured Certificates, hereby agrees that the Trustee shall so
receive) any Insured Amount delivered to it by the Certificate
Insurer for payment to such Class and (ii) distribute such Insured
Amount to such Holders as set forth in subsection 3.21(b)
above.  The Trustee is hereby directed to and does hereby
agree on behalf of the Holders of the Insured Certificates (and
each such Holder, by its acceptance of its Insured Certificates,
hereby agrees) for the benefit of the Certificate Insurer that, to
the extent the Certificate Insurer makes payment of Insured
Amounts, either directly or indirectly (as by paying through the
Trustee), to the Holder of an Insured Certificate, the Certificate
Insurer will be subrogated to any rights of the Holder of such
Insured Certificate to receive (pursuant to the definition of
“REMIC III Distribution Amount”) the amounts for which
such Insured Amounts were paid, to the extent of such payments, and
the Trustee shall pay such amounts to the Certificate Insurer to
the extent included in the REMIC III Distribution Amount (as
notified to the Trustee by the Servicer in the written statement
required pursuant to Section 4.02(b)).

(d)        The
Trustee shall keep a complete and accurate record of (i) all funds
remitted to it by the Certificate Insurer and deposited into the
Certificate Account and (ii) the allocation of such funds to (A)
payments of interest on and principal in respect of the Class CB-15
Certificates, and (B) Realized Losses allocated to the Class CB-15
Certificates.  The Certificate Insurer shall have the right to
inspect such records at reasonable times upon three Business
Days’ prior notice to the Trustee. 

(e)        The
Trustee shall surrender the Certificate Insurance Policy to the
Certificate Insurer for cancellation upon the expiration of the
term of the Certificate Insurance Policy.

(f)        
The Trustee shall send the Certificate Insurer any reports,
statements, or communications sent to the Holders of the Class
CB-15 Certificates, in each case at the same time such reports,
statements and communications are otherwise sent.

(g)        On
each Distribution Date and prior to making any other distributions
on such Distribution Date pursuant to Section 4.04, the Trustee
shall withdraw from the Certificate Account and pay to the
Certificate Insurer the Certificate Insurer Premium as set forth in
the statement delivered to the Trustee pursuant to Section
4.02(b).

Section
3.22.       
Maintenance of the Rounding Accounts;
Collections Thereunder.   On or prior to the Closing Date, the
Trustee shall establish the Rounding Accounts, and the Underwriter
shall deposit $999.99 in each such Rounding Account. The Servicer
shall maintain such accounts to provide, if needed, the applicable
Rounding Amount on any Distribution Date.  For each Class of
Special Retail Certificates, on the first Distribution Date with
respect to which the Servicer determines that principal is required
to be distributed to such Class pursuant to Section 4.05(a)(ii),
and the aggregate amount of such principal is not an amount equal
to an integral multiple of $1,000, the Servicer shall notify the
Trustee by Noon New York City time two Business Days prior to such
Distribution Date of the applicable Rounding Amount, and the
Trustee shall withdraw such Rounding Amount from the applicable
Rounding Account.  On each succeeding Distribution Date, prior
to the Credit Support Depletion Date, with respect to which the
Servicer determines that principal is required to be distributed to
such Class pursuant to Section 4.05(a)(ii), the Servicer will
instruct that the aggregate amount of such principal will be
applied first to repay to the applicable Rounding Account any funds
withdrawn from such Rounding Account on prior Distribution Dates
which have not been repaid.  If the remainder of such
aggregate amount of principal is not an amount equal to an integral
multiple of $1,000, the Servicer shall notify the Trustee by Noon
New York City time two Business Days prior to such Distribution
Date of the applicable Rounding Amount, and the Trustee shall
withdraw from the applicable Rounding Account, to the extent funds
are available therein, the amount so notified by the Servicer.

Any amounts withdrawn by the Trustee from
either Rounding Account shall be deposited in the Certificate
Account for distribution to the Holders of the applicable Class of
Special Retail Certificates as described in the immediately
preceding paragraph (and shall be deemed to have been distributed
to the Corresponding Class of each such Class of Special Retail
Certificates, as applicable, and deposited for its benefit into the
Certificate Account in accordance with Section 4.04).

Amounts on deposit in the Rounding Accounts
shall not be invested.

On the
first Distribution Date after the earliest of (i) the Credit
Support Depletion Date and (ii) the date on which the Class
Principal Balance of the applicable Class of Special Retail
Certificates has been reduced to zero, the Trustee shall remit any
amounts then remaining on deposit in the applicable Rounding
Account or Accounts to the Holders of the Class R-3 Residual
Interest.

ARTICLE IV

Payments to Certificateholders; Payment of Expenses

Section
4.01.       
Distributions to Holders of REMIC I Regular
Interests and Class R-1 Residual Interest.  On
each Distribution Date, the Trustee (or any duly appointed paying
agent) (i) shall be deemed to have distributed from the Certificate
Account the REMIC I Distribution Amount to the Holders of the REMIC
I Regular Interests and to have deposited such amount for their
benefit into the Certificate Account and (ii) from the Certificate
Account shall distribute to the Class R Certificateholders, in
accordance with the written statement received from the Servicer
pursuant to Section 4.02(b), the sum of (a) the Excess Liquidation
Proceeds and (b) the amounts to be distributed to the Holders of
the Class R-1 Residual Interest pursuant to the definition of
“REMIC I Distribution Amount” for such Distribution
Date.  Amounts distributed pursuant to clause (ii) above shall
be distributed by wire transfer in immediately available funds for
the account of each Class R Certificateholder, or by any other
means of payment acceptable to each Class R Certificateholder of
record on the immediately preceding Record Date (other than as
provided in Section 9.01 respecting the final distribution), as
specified by each such Certificateholder and at the address of such
Holder appearing in the Certificate Register. Notwithstanding any
other provision of this Agreement, no actual distributions pursuant
to clause (i) of this Section 4.01 shall be made on account of the
deemed distributions described in this paragraph except in the
event of a liquidation of REMIC III and REMIC II and not REMIC
I.

Section
4.02.       
Advances by the Servicer; Distribution
Reports to the Trustee.

(a)        To
the extent described below, the Servicer is obligated to advance
its own funds to the Certificate Account to cover any shortfall
between (i) payments scheduled to be received in respect of
Mortgage Loans and (ii) the amounts actually deposited in the
Certificate Account on account of such payments.  The
Servicer’s obligation to make any advance or advances
described in this Section 4.02 is effective only to the extent that
such advance is, in the good faith judgment of the Servicer made on
or before the second Business Day prior to each Distribution Date,
reimbursable from Insurance Proceeds or Liquidation Proceeds of the
related Mortgage Loans or recoverable as late Monthly Payments with
respect to the related Mortgage Loans or otherwise.

Prior
to the close of business on the second Business Day prior to each
Distribution Date, the Servicer shall determine whether or not it
will make a Monthly P&I Advance on the Business Day prior to
such Distribution Date and shall furnish a written statement to the
Trustee, the Paying Agent, if any, and to any Certificateholder
requesting the same, setting forth the aggregate amount to be
advanced on account of principal and interest in respect of the
Mortgage Loans, stated separately.

In the
event that the Servicer shall be required to make a Monthly P&I
Advance, it shall on the Business Day prior to the related
Distribution Date either (i) deposit in the Certificate Account an
amount equal to such Monthly P&I Advance, (ii) make an
appropriate entry in the records of the Certificate Account that
funds in such account being held for future distribution or
withdrawal have been, as permitted by this Section 4.02, used by
the Servicer to make such Monthly P&I Advance or (iii) make
advances in the form of any combination of (i) and (ii) aggregating
the amount of such Monthly P&I Advance.  Any funds being
held for future distribution and so used shall be replaced by the
Servicer by deposit in the Certificate Account on the Business Day
immediately preceding any future Distribution Date to the extent
that funds in the Certificate Account on such Distribution Date
with respect to the Mortgage Loans shall be less than payments
required to be made hereunder on such date with respect to the
Mortgage Loans.  The Servicer is entitled to receive from the
Custodial Accounts for P&I monies received on particular
Mortgage Loans as late payments of principal and interest or as
Liquidation or Insurance Proceeds and respecting which the Servicer
has made an unreimbursed advance of principal and interest. 
The Servicer is also entitled to receive other amounts from the
related Custodial Accounts for P&I to reimburse itself for
prior Nonrecoverable Advances respecting Mortgage Loans.  The
Servicer shall deposit these amounts in the Investment Account
prior to withdrawal pursuant to Section 3.05.

In
accordance with Section 3.05, Monthly P&I Advances are
reimbursable to the Servicer from cash in the Investment Account or
the Certificate Account to the extent that the Servicer shall
determine that any such advances previously made are Nonrecoverable
Advances pursuant to Section 4.03.

(b)       
Prior to noon New York City time two Business Days prior to each
Distribution Date, the Servicer shall provide (x) the Trustee, (y)
the Certificate Insurer and (z) the Company with a statement in
writing of (1) the amount, if any, of the Certificate Insurer
Premium for the Class CB-15 Certificates, (2) the amounts to be
distributed to the Certificate Insurer pursuant to the definition
of “REMIC II Distribution Amount,” (3) the Deficiency
Amount, if any, to be paid by the Certificate Insurer, (4) the
Class CB-15 Covered Payoff Shortfall Amount, if any, to be
withdrawn from the Class CB-15 Reserve Fund pursuant to Section
3.17, (5) the Rounding Amount, if any, to be withdrawn from the
Rounding Accounts pursuant to Section 3.22; (6) the amounts to be
applied to repay any funds withdrawn from the Rounding Accounts on
prior Distribution Dates pursuant to Section 3.22; (7) the amount,
as applicable, of (i) interest, (ii) the interest portion, if any,
of Realized Losses, (iii) Uncompensated Interest Shortfall, (iv)
scheduled principal, (v) Principal Prepayments, (vi) Liquidation
Principal, (vii) Subsequent Recoveries, (viii) the principal
portion of Realized Losses (after giving effect to any reduction
thereof by application of any Cumulative Carry-Forward Subsequent
Recoveries Amount), (ix) the Residual Distribution Amount and (x)
the Excess Liquidation Proceeds to be distributed or allocated, as
applicable, to each Class of Certificates on such Distribution Date
(such amounts to be determined in accordance with the definitions
of “REMIC I Distribution Amount,” “REMIC II
Distribution Amount” and “REMIC III Distribution
Amount,” Section 4.01, Section 4.04 and Section 4.05 hereof
and other related definitions set forth in Article I hereof); (8)
the applicable Class Principal Balance after giving effect to such
distributions and allocations; (9) the Cumulative Carry-Forward
Subsequent Recoveries Amount for such Distribution Date and each
Loan Group; (10) the amount of any Special Primary Insurance
Premium payable on such Distribution Date; and (11) the Yield
Maintenance Payment Amount for each of the Class CB-1, Class CB-3,
Class CB-9, Class CB-13, Class 5-A-2 and Class 5-A-5 Certificates
for such Distribution Date.

Section
4.03.       
Nonrecoverable Advances. Any
advance previously made by the Servicer that the Servicer shall
determine in its good faith judgment not to be ultimately
recoverable from Insurance Proceeds or Liquidation Proceeds or
otherwise with respect to such Mortgage Loan or recoverable as late
Monthly Payments with respect to such Mortgage Loan shall be a
Nonrecoverable Advance.  The determination by the Servicer
that it has made a Nonrecoverable Advance or that any advance would
constitute a Nonrecoverable Advance, shall be evidenced by an
Officer’s Certificate of the Servicer delivered to the
Trustee on the Determination Date and detailing the reasons for
such determination.  Notwithstanding any other provision of
this Agreement, any insurance policy relating to the Mortgage
Loans, or any other agreement relating to the Mortgage Loans to
which the Company or the Servicer is a party, (a) the Servicer
shall not be obligated to, and shall not, make any advance that,
after reasonable inquiry and in its sole discretion, the Servicer
shall determine would be a Nonrecoverable Advance and (b) the
Servicer shall be entitled to reimbursement for any advance as
provided in Section 3.05(a)(i), (ii) and (iv) of this
Agreement.

Section
4.04.       
Distributions to Holders of REMIC II Regular
Interests and Class R-2 Residual Interest; Payments to Certificate
Insurer.  On each Distribution Date, the
Trustee (or any duly appointed paying agent) (i) shall, prior to
making any other distributions (or deemed distributions) pursuant
to this Section 4.04, withdraw from the Certificate Account the
Certificate Insurer Premium payable on such Distribution Date
pursuant to Section 3.21(g) and pay such amount to the Certificate
Insurer, (ii) shall be deemed to have distributed from the
Certificate Account (A) the REMIC II Distribution Amount (other
than any Class CB-15 Reimbursement Amount or Class CB-15 Additional
Reimbursement Amount) to the Holders of the REMIC II Regular
Interests, (B) the Class CB-15 Covered Payoff Shortfall Amount, if
any, the Deficiency Amount, if any, and the Rounding Amount, if
any, to the Holders of the Corresponding Class of Special Retail
Certificates and (C) the applicable Rounding Amount or Amounts, if
any, to the holders of the Corresponding Class of each Class of
Special Retail Certificates, and to have deposited such amounts for
their benefit into the Certificate Account (iii) from the
Certificate Account shall distribute to the Certificate Insurer, in
accordance with the written statement received from the Servicer
pursuant to Section 4.02(b), any Class CB-15 Reimbursement Amount
and Class CB-15 Additional Reimbursement Amount to be distributed
to the Certificate Insurer pursuant to the definition of
“REMIC II Distribution Amount” for such Distribution
Date and (iv) from the Certificate Account shall distribute to the
Class R Certificateholders, in accordance with the written
statement received from the Servicer pursuant to Section 4.02(b),
the sum of (a) the Excess Liquidation Proceeds and (b) the amounts
to be distributed to the Holders of the Class R-2 Residual Interest
pursuant to the definition of “REMIC II Distribution
Amount” for such Distribution Date.  Amounts distributed
pursuant to clause (iv) above shall be distributed by wire transfer
in immediately available funds for the account of each Class R
Certificateholder, or by any other means of payment acceptable to
each Class R Certificateholder of record on the immediately
preceding Record Date (other than as provided in Section 9.01
respecting the final distribution), as specified by each such
Certificateholder and at the address of such Holder appearing in
the Certificate Register. Amounts distributed to the Certificate
Insurer pursuant to clause (ii) above shall be distributed by wire
transfer in immediately available funds to the following account:
Bank: JP Morgan Chase New York; Account Name: Assured Guaranty
Corp.; Account Number: 910-2676450; ABA Number: 021-000-021;
Reference: D-2005-34, WMALT 2005-4; or such other account as the
Certificate Insurer shall designate in writing to the Trustee from
time to time at least one Business Day before any Distribution Date
or, at the election of the Certificate Insurer, by check sent by
first class mail to such address as the Certificate Insurer shall
designate in writing to the Trustee from time to time at least one
Business Day before any Distribution Date. Notwithstanding any
other provision of this Agreement, no actual distributions pursuant
to clause (ii) of this Section 4.04 shall be made on account of the
deemed distributions described in this paragraph except in the
event of a liquidation of REMIC III and not REMIC II.

Section
4.05.       
Distributions to Certificateholders; Payment
of Special Primary Insurance Premiums. 

(a)        On
each Distribution Date, the Trustee (or any duly appointed paying
agent) shall (i) subject to Section 3.05(a)(viii), withdraw from
the Certificate Account any Special Primary Insurance Premium
payable on such Distribution Date and pay such amount to the
insurer under the applicable Special Primary Insurance Policy and
(ii) withdraw from the Certificate Account  (A) the REMIC III
Available Distribution Amount for such Distribution Date and
distribute, from the amount so withdrawn, to the extent of the
REMIC III Available Distribution Amount, the REMIC III Distribution
Amount to the Holders of the REMIC III Regular Interests and the
Class R-3 Residual Interest (provided that any portion of such
amount distributable to any Class of Special Retail Certificates
shall be used first to pay any amount payable to the applicable
Rounding Account pursuant to Section 3.22), (B) the Class CB-15
Covered Payoff Shortfall Amount, if any, deposited therein for
distribution on such date pursuant to Section 3.17 and the
Deficiency Amount, if any, and distribute such amounts to the
Holders of the Insured Certificates and (C) the applicable Rounding
Amount, if any, deposited therein for distribution on such date
pursuant to Section 3.22 and distribute the amount so withdrawn to
the applicable Class of Special Retail Certificates in accordance
with such Section 3.22.

Furthermore, on each Distribution Date from and
including June 2005 to and including the Final Yield Maintenance
Payment Date for the Class CB-1 Certificates, the Trustee shall
withdraw from the Certificate Account and distribute to the Holders
of such Class the Yield Maintenance Payment Amount for such Class;
on each Distribution Date from and including June 2005 to and
including the Final Yield Maintenance Payment Date for the Class
CB-3 Certificates, the Trustee shall withdraw from the Certificate
Account and distribute to the Holders of such Class the Yield
Maintenance Payment Amount for such Class; on each Distribution
Date from and including June 2005 to and including the Final Yield
Maintenance Payment Date for the Class CB-9 Certificates, the
Trustee shall withdraw from the Certificate Account and distribute
to the Holders of such Class the Yield Maintenance Payment Amount
for such Class; on each Distribution Date from and including June
2005 to and including the Final Yield Maintenance Payment Date for
the Class CB-13 Certificates, the Trustee shall withdraw from the
Certificate Account and distribute to the Holders of such Class the
Yield Maintenance Payment Amount for such Class; on each
Distribution Date from and including June 2005 to and including the
Final Yield Maintenance Payment Date for the Class 5-A-2
Certificates, the Trustee shall withdraw from the Certificate
Account and distribute to the Holders of such Class the Yield
Maintenance Payment Amount for such Class; and on each Distribution
Date from and including June 2005 to and including the Final Yield
Maintenance Payment Date for the Class 5-A-5 Certificates, the
Trustee shall withdraw from the Certificate Account and distribute
to the Holders of such Class the Yield Maintenance Payment Amount
for such Class.

The net distributions to the
Certificates pursuant to this Section 4.05(a) shall be made in
accordance with the written statement received from the Servicer
pursuant to Section 4.02(b) and without any responsibility to
recalculate, verify or confirm the information in such
statement.  Any Special Primary Insurance Premiums distributed
pursuant to clause (i) above shall be distributed by any method
specified in the respective Special Primary Insurance Policy as
directed by the related insurer to the Servicer.  Amounts
distributed to the Certificateholders pursuant to clause (ii) above
shall be distributed by wire transfer in immediately available
funds for the account of, or by check mailed to, each such
Certificateholder of record on the immediately preceding Record
Date (other than as provided in Section 9.01 respecting the final
distribution), as specified by each such Certificateholder and at
the address of such Holder appearing in the Certificate
Register. 

(b)        All
reductions in the Certificate Principal Balance of a Certificate
effected by distributions of principal and all allocations of
Realized Losses made on any Distribution Date shall be binding upon
all Holders of such Certificate and of any Certificate issued upon
the registration of transfer or exchange therefor or in lieu
thereof, whether or not such distribution is noted on such
Certificate. The final distribution of principal of each
Certificate (and the final distribution upon the Class R
Certificates upon (i) the termination of REMIC I, REMIC II and
REMIC III and (ii) the payment, or making provision for payment, of
all liabilities of the Trust) shall be payable in the manner
provided above only upon presentation and surrender thereof on or
after the Distribution Date therefor at the office or agency of the
Certificate Registrar specified in the notice delivered pursuant to
Section 4.05(c)(ii) and Section 9.01(b).

(c)       
Whenever, on the basis of Curtailments, Payoffs, proceeds of the
Certificate Insurance Policy and Monthly Payments on the Mortgage
Loans and Insurance Proceeds and Liquidation Proceeds received and
expected to be received during the Payoff Period, the Servicer has
notified the Trustee that it believes that the entire remaining
unpaid Class Principal Balance of any Class of Certificates will
become distributable on the next Distribution Date, the Trustee
shall, no later than the 18th day of the month of such Distribution
Date, mail or cause to be mailed to each Person in whose name a
Certificate to be so retired is registered at the close of business
on the Record Date and to the Rating Agencies (and, in the case of
the Insured Certificates, with a copy to the Certificate Insurer) a
notice to the effect that:

(i)                 
it is expected that funds sufficient to make such final
distribution will be available in the Certificate Account on such
Distribution Date, and

(ii)               
if such funds are available, (A) such final distribution will be
payable on such Distribution Date, but only upon presentation and
surrender of such Certificate at the office or agency of the
Certificate Registrar maintained for such purpose (the address of
which shall be set forth in such notice), and (B) no interest shall
accrue on such Certificate after such Distribution Date.

Section
4.06.       
Statements to
Certificateholders. With each distribution from the
Certificate Account on a Distribution Date, the Trustee shall send
to each Rating Agency and the Certificate Insurer and shall make
available to each Certificateholder the statement required by
Section 4.02(b). The Trustee may make available such statement and
certain other information, including, without limitation,
information required to be provided by the Trustee pursuant to
Sections 3.12 and 3.13, to Certificateholders through the
Trustee’s Corporate Trust home page on the world wide web.
Such web page is currently located at
“www.etrustee.net”. The location of such web page and
the procedures used therein are subject to change from time to time
at the Trustee’s discretion.

Upon
request by any Certificateholder or Rating Agency, the Certificate
Insurer or the Trustee, the Servicer shall forward to such
Certificateholder or Rating Agency, the Certificate Insurer, the
Trustee and the Company an additional report which sets forth with
respect to the Mortgage Loans:

(a)        The
number and aggregate Principal Balance of the Mortgage Loans
delinquent one, two and three months or more, in each case, by Loan
Group;

(b)        The
(i) number and aggregate Principal Balance of Mortgage Loans with
respect to which foreclosure proceedings have been initiated, and
(ii) the number and aggregate book value of Mortgaged Properties
acquired through foreclosure, deed in lieu of foreclosure or other
exercise of rights respecting the Trust’s security interest
in the Mortgage Loans, in each case, by Loan Group;

(c)        The
cumulative amount of Realized Losses incurred in respect of each
Loan Group allocated to the related Certificates since the Cut-Off
Date;

(d)        The
amount of the Class CB-15 Reimbursement Amount and Class CB-15
Additional Reimbursement Amount as of the applicable Determination
Date and the amount of any Preference Amounts; and

(e)        The
amount remaining on deposit in the Class CB-15 Reserve
Fund.

Upon request by any Certificateholder, the
Servicer, as soon as reasonably practicable, shall provide the
requesting Certificateholder with such information as is necessary
and appropriate, in the Servicer’s sole discretion, for
purposes of satisfying applicable reporting requirements under Rule
144A of the Securities Act.

The Company may make available any reports,
statements or other information to Certificateholders through the
Company’s home page on the world wide web. As of the Closing
Date, such web page is located at “www.wamumsc.com” and
information is available by clicking on “Investor
Information.”

Section
4.07.       
Principal Distributions on the Special Retail
Certificates. With respect to each Class of Special
Retail Certificates, prior to the Credit Support Depletion Date,
distributions in reduction of the Class Principal Balance of such
Class will be made in integral multiples of $1,000 at the request
of the appropriate representatives of Deceased Holders of
Certificates of such Class and at the request of Living Holders of
Certificates of such Class or by mandatory distributions, pursuant
to Section 4.07(a) and Section 4.07(d). On and after the Credit
Support Depletion Date, distributions in reduction of the Class
Principal Balance of such Class will be made on a pro rata basis
pursuant to Section 4.07(e).

(a)        On
each Distribution Date (prior to the Credit Support Depletion Date)
on which principal distributions to a Class of Special Retail
Certificates are made, such distributions will be made in the
following priority:

(i)        
first, to requesting Deceased Holders, in the order in which such
requests are received by DTC, but not exceeding an aggregate amount
of $100,000 for each requesting Deceased Holder; and

(ii)       
second, to requesting Living Holders, in the order in which such
requests are received by DTC, but not exceeding an aggregate amount
of $10,000 for each requesting Living Holder.

Thereafter, distributions will be made, with
respect to the such Class of Special Retail Certificates, as
provided in clauses (i) and (ii) above up to a second $100,000 and
$10,000, respectively.  This sequence of priorities will be
repeated until all requests for principal distributions by Deceased
Holders and Living Holders of such Class have been honored, to the
extent of amounts available for principal distributions to such
Class.

All
requests for principal distributions to Special Retail Certificates
will be accepted in accordance with the provisions set forth in
Section 4.07(c). Requests for principal distributions that are
received by the Trustee after the related Record Date and requests
for principal distributions received in a timely manner but not
accepted with respect to any Distribution Date, will be treated as
requests for principal distributions to Special Retail Certificates
on the next succeeding Distribution Date, and each succeeding
Distribution Date thereafter, until each such request is accepted
or is withdrawn as provided in Section 4.07(c). Such requests as
are not so withdrawn shall retain their order of priority without
the need for any further action on the part of the appropriate
Holder of the related Special Retail Certificate, all in accordance
with the procedures of DTC and the Trustee.  Upon the transfer
of beneficial ownership of any Special Retail Certificate, any
distribution request previously submitted with respect to such
Certificate will be deemed to have been withdrawn only upon the
receipt by the Trustee on or before the Record Date for such
Distribution Date of notification of such withdrawal in the manner
set forth in Section 4.07(c) using a form required by DTC or as
otherwise required by DTC in accordance with its standard operating
procedures.

Distributions in reduction of the Class Principal
Balance of any Class of Special Retail Certificates will be applied
in an amount equal to the portion of the REMIC II Available
Distribution Amount allocable to such Class pursuant to Section
4.05, plus any amounts available for distribution from the
applicable Rounding Account established as provided in Section
3.22, provided that the aggregate distribution of principal to such
Class on any Distribution Date shall be made in an integral
multiple of $1,000.

To the
extent that the portion of the Group 1 Senior Principal
Distribution Amount allocable to the Corresponding Class of any
Class of Special Retail Certificates on any Distribution Date
exceeds the aggregate Certificate Principal Balance of Special
Retail Certificates of such Class with respect to which principal
distribution requests, as set forth above, have been received,
principal distributions in reduction of the Class Principal Balance
of such Class of Special Retail Certificates will be made by
mandatory distribution pursuant to Section 4.07(d).

(b)        A
Special Retail Certificate shall be deemed to be held by a Deceased
Holder for purposes of this Section 4.07 if the death of the Holder
thereof is deemed to have occurred.  Special Retail
Certificates beneficially owned by tenants by the entirety, joint
tenants or tenants in common will be considered to be beneficially
owned by a single owner.  The death of a tenant by the
entirety, joint tenant or tenant in common will be deemed to be the
death of the Holder, and the Special Retail Certificates so
beneficially owned will be eligible for priority with respect to
principal distributions, subject to the limitations stated
above.  Special Retail Certificates beneficially owned by a
trust will be considered to be beneficially owned by each
beneficiary of the trust to the extent of such beneficiary's
beneficial interest therein, but in no event will a trust's
beneficiaries collectively be deemed to be Holders of a number of
Special Retail Certificates greater than the number of Special
Retail Certificates of which such trust is the owner.  The
death of a beneficiary of a trust will be deemed to be the death of
a Holder of the Special Retail Certificates beneficially owned by
the trust to the extent of such beneficiary's beneficial interest
in such trust.  The death of an individual who was a tenant by
the entirety, joint tenant or tenant in common in a tenancy which
is the beneficiary of a trust will be deemed to be the death of the
beneficiary of such trust.  The death of a person who, during
his or her lifetime, was entitled to substantially all of the
beneficial ownership interests in a Special Retail Certificate will
be deemed to be the death of the Holder of such Special Retail
Certificate regardless of the registration of ownership, if such
beneficial ownership interest can be established to the
satisfaction of the Trustee.  Such beneficial interest will be
deemed to exist in typical cases of street name or nominee
ownership, ownership by a trustee, ownership under the Uniform
Gifts to Minors Act and community property or other joint ownership
arrangements between a husband and wife.  Beneficial interest
shall include the power to sell, transfer or otherwise dispose of a
Special Retail Certificate and the right to receive the proceeds
therefrom, as well as interest and principal distributions, as
applicable, payable with respect thereto.  The Trustee may
rely entirely upon documentation delivered to it in establishing
beneficial ownership interests in Special Retail
Certificates.  The Trustee shall not be under any duty to
determine independently the occurrence of the death of any deceased
Holder.  The Trustee may rely entirely upon documentation
delivered to it pursuant to Section 4.07(c) in establishing the
eligibility of any Holder to receive the priority accorded Deceased
Holders in Section 4.07(a).

(c)       
Requests for principal distributions to any Special Retail
Certificate must be made by delivering a written request therefor
to the DTC Participant or Indirect DTC Participant that maintains
the account evidencing such Holder's interest in such
Certificate.  In the case of a request on behalf of a Deceased
Holder, appropriate evidence of death and any tax waivers are
required to be forwarded to the Trustee under separate cover. 
The DTC Participant should in turn make the request of DTC (or, in
the case of an Indirect DTC Participant, such Indirect DTC
Participant must notify the related DTC Participant of such
request, which DTC Participant should make the request of DTC) on a
form required by DTC and provided to the DTC Participant. 
Upon receipt of such request, DTC will date and time stamp such
request and notify the Trustee of such requests in accordance with
its standard operating procedures.  DTC may establish such
procedures as it deems fair and equitable to establish the order of
receipt of requests for such distributions received by it on the
same day.  None of the Company, the Servicer, the Certificate
Insurer, the Trust or the Trustee shall be liable for any delay in
delivery or notification of requests for distributions or
withdrawals of such requests by DTC, a DTC Participant or any
Indirect DTC Participant.

The Trustee shall maintain a list (which may
be in electronic form) of those DTC Participants representing the
appropriate Holders of Special Retail Certificates that have
submitted requests for principal distributions, together with the
order of receipt and the amounts of such requests as identified to
it by DTC in accordance with its standard operating
procedures.  Subject to the priorities described in Section
4.07(a) above, DTC will honor requests for distributions in the
order of their receipt.  The Trustee shall notify DTC as to
which requests should be honored on each Distribution Date at least
two Business Days prior to such Distribution Date and shall notify
DTC as to the portion of the REMIC II Available Distribution Amount
(together with any amounts available for distribution from the
applicable Rounding Account) to be distributed to the Special
Retail Certificates by mandatory distribution pursuant to Section
4.07(d).  Requests shall be honored by DTC in accordance with
the procedures, and subject to the priorities and limitations,
described in this Section 4.07. The exact procedures to be followed
by the Trustee and DTC for purposes of determining such priorities
and limitations will be those established from time to time by the
Trustee or DTC, as the case may be.  The decisions of the
Trustee and DTC concerning such matters will be final and binding
on all affected persons.

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

Any Holder of a Special Retail Certificate
that has requested a principal distribution may withdraw its
request by so notifying in writing the DTC Participant or Indirect
DTC Participant that maintains such Holder's account.  In the
event that such account is maintained by an Indirect DTC
Participant, such Indirect DTC Participant must notify the related
DTC Participant which in turn must forward the withdrawal of such
request, on a form required by DTC, to DTC to be forwarded or
furnished to the Trustee.  If such notice of withdrawal of a
request for distribution has not been received by DTC and forwarded
to the Trustee on or before the Record Date for the next
Distribution Date, the previously made request for a principal
distribution will be irrevocable with respect to the making of
principal distributions on such Distribution Date.

In the event any requests for principal
distributions are rejected by the Trustee for failure to comply
with the requirements of this Section 4.07, the Trustee shall
return such request to the appropriate DTC Participant with a copy
to DTC with an explanation as to the reason for such
rejection.

(d)        To
the extent, if any, that principal distributions to be made to any
Class of Special Retail Certificates on a Distribution Date exceed
the aggregate amount of principal distribution requests for such
Class which have been received on or before the applicable Record
Date, as provided in Section 4.07(a) above, additional Special
Retail Certificates of such Class will be selected to receive
mandatory principal distributions in lots equal to $1,000 in
accordance with the then-applicable Random Lot procedures of DTC,
and the then-applicable procedures of the DTC Participants and
Indirect DTC Participants representing the Holders (which
procedures may or may not be by random lot).  The Trustee
shall notify DTC of the aggregate amount of the mandatory principal
distribution to be made on the next Distribution Date.  DTC
shall then allocate such aggregate amount among the DTC
Participants on a Random Lot basis.  Each DTC Participant and,
in turn, each Indirect DTC Participant will then select, in
accordance with its own procedures, Special Retail Certificates
from among those held in its accounts to receive mandatory
principal distributions, such that the total amount of principal
distributed to the Special Retail Certificates so selected is equal
to the aggregate amount of such mandatory distributions allocated
to such DTC Participant by DTC and to such Indirect DTC Participant
by its related DTC Participant, as the case may be.  DTC
Participants and Indirect DTC Participants that hold Special Retail
Certificates selected for mandatory principal distributions are
required to provide notice of such mandatory distributions to the
affected Holders.  The Servicer shall notify the Trustee of
the amount of principal distributions to be made on each
Distribution Date in a timely manner such that the Trustee may
fulfill its obligations under the Depositary Agreement.

(e)       
Notwithstanding any provisions herein to the contrary, on each
Distribution Date on and after the Credit Support Depletion Date,
distributions in reduction of the Class Principal Balance of any
Class of Special Retail Certificates will be made pro rata among
the Holders of the Special Retail Certificates of such Class and
will not be made in integral multiples of $1,000 nor pursuant to
requests for distribution as permitted by Section 4.07(a) or by
mandatory distributions as provided for by Section
4.07(d).

(f)        
In the event that Definitive Certificates representing Special
Retail Certificates are issued pursuant to Section 5.09, an
amendment to this Agreement, which may be approved without the
consent of any Certificateholders, shall establish procedures
relating to the manner in which distributions in reduction of the
Class Principal Balance of each Class of Special Retail
Certificates are to be made; provided that such procedures
shall be consistent, to the extent practicable and customary for
certificates similar to the Special Retail Certificates, with the
provisions of this Section 4.07.

ARTICLE V

The Certificates

Section
5.01.       
The Certificates.

(a)        The
Certificates shall be substantially in the forms set forth in
Exhibit A and B with the additional insertion from Exhibit H
attached hereto, and shall be executed by the Trustee on behalf of
the Trust, authenticated by the Trustee (or any duly appointed
Authenticating Agent) and delivered (i) upon and pursuant to the
order of the Company and (ii) upon receipt by the Trustee of the
documents specified in Section 2.01. The Certificates shall be
issuable in Authorized Denominations. Certificates shall be
executed by manual or facsimile signature on behalf of the Trust by
authorized officers of the Trustee. Certificates bearing the manual
or facsimile signatures of individuals who were at the time of
execution the proper officers of the Trustee shall bind the Trust,
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 for herein executed by the Trustee or any
Authenticating Agent by manual signature, and such certificate upon
any Certificate shall be conclusive evidence, and the only
evidence, that such Certificate has been duly authenticated and
delivered hereunder. All Certificates shall be dated the date of
their authentication.

(b)        The
following definitions apply for purposes of this Section 5.01:
“Disqualified Organization” means any Person
which is not a Permitted Transferee, but does not include any
“Pass-Through Entity” which owns or holds a
Residual Certificate and of which a Disqualified Organization,
directly or indirectly, may be a stockholder, partner or
beneficiary; “Pass-Through Entity” means any regulated
investment company, real estate investment trust, common trust
fund, partnership, trust or estate, and any organization to which
Section 1381 of the Code applies; “Ownership
Interest” means, with respect to any Residual
Certificate, any ownership or security interest in such Residual
Certificate, including any interest in a Residual Certificate as
the Holder thereof and any other interest therein whether direct or
indirect, legal or beneficial, as owner or as pledgee;
“Transfer” means any direct or indirect transfer
or sale of, or directly or indirectly transferring or selling any
Ownership Interest in a Residual Certificate; and
“Transferee” means any Person who is acquiring
by Transfer any Ownership Interest in a Residual
Certificate.

(c)       
Restrictions on Transfers of the Residual Certificates to
Disqualified Organizations are set forth in this Section
5.01(c).

(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
Trustee or its designee under clause (iii)(A) below to deliver
payments to a Person other than such Person and to negotiate the
terms of any mandatory sale under clause (iii)(B) below and to
execute all instruments of transfer and to do all other things
necessary in connection with any such sale. The rights of each
Person acquiring any Ownership Interest in a 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 Trustee 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 to a U.S. Person, the Trustee shall require
delivery to it, and shall not register the Transfer of any Residual
Certificate until its receipt of (1) an affidavit and agreement (a
“Transferee Affidavit and Agreement”) attached
hereto as Exhibit J from the proposed Transferee, in form and
substance satisfactory to the Company, representing and warranting,
among other things, that it is not a Non-U.S. Person, 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 who is not a Permitted Transferee, that for so long as it
retains its Ownership Interest in a Residual Certificate, it will
endeavor to remain a Permitted Transferee, and that it has reviewed
the provisions of this Section 5.01(c) and agrees to be bound by
them, and (2) a certificate, attached hereto as Exhibit I, from the
Holder wishing to transfer the Residual Certificate, in form and
substance satisfactory to the Company, representing and warranting,
among other things, that no purpose of the proposed Transfer is to
allow such Holder to impede the assessment or collection of
tax.

(C)      
Notwithstanding the delivery of a Transferee Affidavit and
Agreement by a proposed Transferee under clause (B) above, if the
Trustee has actual knowledge that the proposed 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 agrees by holding or acquiring such Ownership Interest
(i) to require a Transferee Affidavit and Agreement from any other
Person to whom such Person attempts to transfer its Ownership
Interest and to provide a certificate to the Trustee in the form
attached hereto as Exhibit J; (ii) to obtain the express written
consent of the Company prior to any transfer of such Ownership
Interest, which consent may be withheld in the Company’s sole
discretion; and (iii) to provide a certificate to the Trustee in
the form attached hereto as Exhibit I.

(ii)               
The Trustee shall register the Transfer of any Residual Certificate
only if it shall have received the Transferee Affidavit and
Agreement, a certificate of the Holder requesting such transfer in
the form attached hereto as Exhibit J and all of such other
documents as shall have been reasonably required by the Trustee as
a condition to such registration.

(iii)              
(A)       If any “disqualified
organization” (as defined in Section 860E(e)(5) of the Code)
shall become a holder of a Residual Certificate, then the last
preceding Permitted Transferee shall be restored, to the extent
permitted by law, to all rights and obligations as Holder thereof
retroactive to the date of registration of such Transfer of such
Residual Certificate. If any Non-U.S. Person shall become a holder
of a Residual Certificate, then the last preceding holder which is
a U.S. Person shall be restored, to the extent permitted by law, to
all rights and obligations as Holder thereof retroactive to the
date of registration of the Transfer to such Non-U.S. Person of
such Residual Certificate. If a transfer of a Residual Certificate
is disregarded pursuant to the provisions of Treasury Regulations
Section 1.860E-1 or Section 1.860G-3, then the last preceding
Permitted Transferee shall be restored, to the extent permitted by
law, to all rights and obligations as Holder thereof retroactive to
the date of registration of such Transfer of such Residual
Certificate. Neither the Trust nor the Trustee shall be under any
liability to any Person for any registration of Transfer of a
Residual Certificate that is in fact not permitted by this Section
5.01(c) 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
5.01(c) 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 Company 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 Company on such
terms as the Company may choose. Such purported Transferee shall
promptly endorse and deliver each Residual Certificate in
accordance with the instructions of the Company. Such purchaser may
be the Company itself or any affiliate of the Company. The proceeds
of such sale, net of the commissions (which may include commissions
payable to the Company or its affiliates), expenses and taxes due,
if any, shall be remitted by the Company 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 Company,
and the Company 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 Company, on behalf of the Trustee, shall make available, upon
written request from the Trustee, all information necessary to
compute any tax imposed (A) as a result of the Transfer of an
Ownership Interest in a Residual Certificate to any Person who is
not a Permitted Transferee, including the information regarding
“excess inclusions” of such Residual Certificates
required to be provided to the Internal Revenue Service and certain
Persons as described in Treasury Regulation Section 1.860D-1(b)(5),
and (B) as a result of any regulated investment company, real
estate investment trust, common trust fund, partnership, trust,
estate or organizations described in Section 1381 of the Code
having as among its record holders at any time any Person who is
not a Permitted Transferee. Reasonable compensation for providing
such information may be required by the Company from such
Person.

(v)               
The provisions of this Section 5.01 set forth prior to this Section
(v) may be modified, added to or eliminated by the Company and the
Trustee, provided that there shall have been delivered to the
Trustee and the Certificate Insurer the following:

(A)       written
notification from each of the Rating Agencies to the effect that
the modification, addition to or elimination of such provisions
will not cause such Rating Agency to downgrade its then-current
Ratings of the Certificates (without regard to the Certificate
Insurance Policy); and

(B)       an
Opinion of Counsel, in form and substance satisfactory to the
Company (as evidenced by a certificate of the Company), to the
effect that such modification, addition to or absence of such
provisions will not cause REMIC I, REMIC II and REMIC III to cease
to qualify as a REMIC and will not create a risk that (1) REMIC I,
REMIC II and REMIC III may be subject to an entity-level tax caused
by the Transfer of any Residual Certificate to a Person which is
not a Permitted Transferee or (2) a Certificateholder, the
Certificate Insurer or another Person will be subject to a
REMIC-related tax caused by the Transfer of a Residual Certificate
to a Person which is not a Permitted Transferee.

(vi)             
The following legend shall appear on all Residual
Certificates:

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

(vii)            
The Tax Matters Person for each of REMIC I, REMIC II and REMIC III,
while not a Disqualified Organization, shall be the tax matters
person for the related REMIC within the meaning of Section
6231(a)(7) of the Code and Treasury Regulation Section
1.860F-4(d).

(d)        In
the case of any Junior Subordinate Certificate presented for
registration in the name of any Person, the Trustee shall require
(i) an officer’s certificate substantially in the form of
Exhibit N attached hereto acceptable to and in form and substance
satisfactory to the Trustee and the Company, which officer’s
certificate shall not be an expense of the Trust, the Trustee, the
Delaware Trustee, the Servicer or the Company, and (ii) only if
such officer’s certificate indicates that a Benefit Plan
Opinion is delivered in connection therewith, a Benefit Plan
Opinion.

In the
case of any Residual Certificate presented for registration in the
name of any Person, the Trustee shall require (i) a Transferee
Affidavit and Agreement which includes the representation set forth
in paragraph 19 of the form attached hereto as Exhibit J and (ii)
only if the representation set forth in such paragraph 19 indicates
that a Benefit Plan Opinion is delivered in connection therewith, a
Benefit Plan Opinion.

(e)        No
transfer, sale, pledge or other disposition of a Junior Subordinate
Certificate shall be made unless such transfer, sale, pledge or
other disposition is made in accordance with this Section 5.01(e)
or Section 5.01(f).  Each Person who, at any time, acquires
any ownership interest in any Junior Subordinate Certificate shall
be deemed by the acceptance or acquisition of such ownership
interest to have agreed to be bound by the following provisions of
this Section 5.01(e) and Section 5.01(f), as applicable. No
transfer of a Junior Subordinate Certificate shall be deemed to be
made in accordance with this Section 5.01(e) unless such transfer
is made pursuant to an effective registration statement under the
Securities Act or unless the Trustee is provided with the
certificates and an Opinion of Counsel, if required, on which the
Trustee may conclusively rely, to the effect that such transfer is
exempt from the registration requirements under the Securities Act,
as follows:  In the event that a transfer is to be made in
reliance upon an exemption from the Securities Act, the Trustee
shall require, in order to assure compliance with the Securities
Act, that the Certificateholder desiring to effect such transfer
certify to the Trustee in writing, in substantially the form
attached hereto as Exhibit F, the facts surrounding the transfer,
with such modifications to such Exhibit F as may be appropriate to
reflect the actual facts of the proposed transfer, and that the
Certificateholder’s proposed transferee certify to the
Trustee in writing, in substantially the form attached hereto as
Exhibit G, the facts surrounding the transfer, with such
modifications to such Exhibit G as may be appropriate to reflect
the actual facts of the proposed transfer. If such certificate of
the proposed transferee does not contain substantially the
substance of Exhibit G, the Trustee shall require an Opinion of
Counsel that such transfer may be made without registration, which
Opinion of Counsel shall not be obtained at the expense of the
Trustee, the Delaware Trustee, the Trust, the Servicer or the
Company. Such Opinion of Counsel shall allow for the forwarding,
and the Trustee shall forward, a copy thereof to the Rating
Agencies. Notwithstanding the foregoing, any Junior Subordinate
Certificate may be transferred, sold, pledged or otherwise disposed
of in accordance with the requirements set forth in Section
5.01(f).

(f)        
To effectuate a Certificate transfer of a Junior Subordinate
Certificate in accordance with this Section 5.01(f), the proposed
transferee of such Certificate must provide the Trustee and the
Company with an investment letter substantially in the form of
Exhibit L attached hereto, which investment letter shall not be an
expense of the Trust, the Trustee, the Delaware Trustee or the
Company, and which investment letter states that, among other
things, such transferee (i) is a “qualified institutional
buyer” as defined under Rule 144A, acting for its own account
or the accounts of other “qualified institutional
buyers” as defined under Rule 144A, and (ii) is aware that
the proposed transferor intends to rely on the exemption from
registration requirements under the Securities Act provided by Rule
144A. Notwithstanding the foregoing, the proposed transferee of
such Certificate shall not be required to provide the Trustee or
the Company with Annex 1 or Annex 2 to the form of Exhibit L
attached hereto if the Company so consents prior to each such
transfer. Such transfers shall be deemed to have complied with the
requirements of this Section 5.01(f). The Holder of a Certificate
desiring to effect such transfer does hereby agree to indemnify the
Trust, the Trustee, the Delaware Trustee, the Servicer, the
Company, and the Certificate Registrar against any liability that
may result if transfer is not made in accordance with this
Agreement.

(g)       
(1)        In the case of any
ERISA Restricted Certificate presented for registration in the name
of any Person, the prospective transferee shall be required to
provide the Trustee and the Company (A) an officer’s
certificate substantially in the form of Exhibit O attached hereto
acceptable to and in form and substance satisfactory to the Trustee
and the Company, which officer’s certificate shall not be an
expense of the Trust, the Servicer, the Trustee, the Delaware
Trustee, the Servicer or the Company, and (B) only if such
officer’s certificate indicates that a Benefit Plan Opinion
is delivered in connection therewith, a Benefit Plan
Opinion.

(2)       
Notwithstanding the foregoing, a certification (and, if applicable,
a Benefit Plan Opinion) as described in Section 5.01(g)(1) above
will not be required with respect to the transfer of any ERISA
Restricted Certificate to a Clearing Agency, or for any subsequent
transfer of any interest in a ERISA Restricted Certificate for so
long as such Certificate is a Book-Entry Certificate (each such
ERISA Restricted Certificate, a “Book-Entry ERISA
Restricted Certificate”).  Any transferee of a
Book-Entry ERISA Restricted Certificate will be deemed to have
represented, by virtue of its acquisition or holding of such
Certificate (or interest therein), that either (i) such transferee
is not an employee benefit or other plan subject to the prohibited
transaction provisions of ERISA or Section 4975 of the Code, or any
person (including an investment manager, a named fiduciary or a
trustee of any such plan) acting, directly or indirectly, on behalf
of or purchasing such Certificate with “plan assets” of
any such plan (a “Plan Investor”), (ii) such
transferee is an insurance company, the source of funds to be used
by it to acquire or hold such Certificate is an “insurance
company general account” (within the meaning of Department of
Labor Prohibited Transaction Class Exemption
(“PTCE”) 95-60), and the conditions in Sections
I and III of PTCE 95-60 have been satisfied (each entity that
satisfies this clause (ii), a “Complying Insurance
Company”) or (iii) such Certificate was rated
“BBB-” or better (or its equivalent) by at least one of
the Rating Agencies at the time of such transferee’s
acquisition of such Certificate (or interest therein).

(3)        If
any Book-Entry ERISA Restricted Certificate (or any interest
therein) is acquired or held in violation of the provisions of
Section 5.01(g)(2) above, then the last preceding transferee that
either (i) is not a Plan Investor, (ii) is a Complying Insurance
Company or (iii) acquired such Certificate at a time when such
Certificate was rated “BBB-” or better (or its
equivalent) by at least one of the Rating Agencies shall be
restored, to the extent permitted by law, to all rights and
obligations as Beneficial Holder thereof retroactive to the date of
transfer of such Certificate by such preceding transferee. 
Neither the Trust nor the Trustee shall be under any liability to
any Person for making any payments due on such Certificate to such
preceding transferee.

(4)        Any
purported Beneficial Holder whose acquisition or holding of any
Book-Entry ERISA Restricted Certificate (or interest therein) was
effected in violation of the restrictions in this Section 5.01(g)
shall indemnify and hold harmless the Company, the Trustee, the
Delaware Trustee, the Servicer, the Trust and each Underwriter from
and against any and all liabilities, claims, costs or expenses
incurred by such parties as a result of such acquisition or
holding.

Section
5.02.       
Certificates Issuable in Classes;
Distributions of Principal and Interest; Authorized
Denominations. The aggregate principal amount of the
Certificates that may be authenticated and delivered under this
Agreement is limited to the aggregate Principal Balance of the
Mortgage Loans as of the Cut-Off Date, as specified in the
Preliminary Statement to this Agreement, except for Certificates
authenticated and delivered upon registration of transfer of, or in
exchange for, or in lieu of, other Certificates pursuant to Section
5.03. Such aggregate principal amount shall be allocated among one
or more Classes having designations, types of interests, initial
per annum Certificate Interest Rates, initial Class Principal
Balances and Final Maturity Dates as specified in the Preliminary
Statement to this Agreement. The aggregate Percentage Interest of
each Class of Certificates of which the Class Principal Balance
equals zero as of the Cut-Off Date that may be authenticated and
delivered under this Agreement is limited to 100%. Certificates
shall be issued in Authorized Denominations.

Section
5.03.       
Registration of Transfer and Exchange of
Certificates. The Trustee shall cause to be
maintained at one of its offices or at its designated agent, a
Certificate Register in which there shall be recorded the name and
address of each Certificateholder. Subject to such reasonable rules
and regulations as the Trustee may prescribe, the Certificate
Register shall be amended from time to time by the Trustee or its
agent to reflect notice of any changes received by the Trustee or
its agent pursuant to Section 10.06. The Trustee hereby appoints
itself as the initial Certificate Registrar.

Upon
surrender for registration of transfer of any Certificate to the
Trustee at the Corporate Trust Office of the Trustee, or such other
address or agency as may hereafter be provided to the Servicer in
writing by the Trustee, the Trustee shall execute, and the Trustee
or any Authenticating Agent shall authenticate and deliver, in the
name of the designated transferee or transferees, one or more new
Certificates of Authorized Denominations. At the option of the
Certificateholders, Certificates may be exchanged for other
Certificates in Authorized Denominations of like Certificate
Principal Balance or Percentage Interest, as applicable, upon
surrender of the Certificates to be exchanged at any such office or
agency. Whenever any Certificates are so surrendered for exchange,
the Trustee on behalf of the Trust shall execute, and the Trustee,
or any Authenticating Agent, shall authenticate and deliver, the
Certificates which the Certificateholder making the exchange is
entitled to receive. Every Certificate presented or surrendered for
transfer shall (if so required by the Trustee or any Authenticating
Agent) be duly endorsed by, or be accompanied by a written
instrument of transfer in form satisfactory to the Trustee or any
Authenticating Agent and duly executed by, the Holder thereof or
such Holder’s attorney duly authorized in writing.

A
reasonable service charge may be made for any such exchange or
transfer of Certificates, and the Trustee may require payment of a
sum sufficient to cover any tax or governmental charge that may be
imposed in connection with any exchange or transfer of
Certificates.

All
Certificates surrendered for exchange or transfer shall be
cancelled by the Trustee or any Authenticating Agent.

Section
5.04.       
Mutilated, Destroyed, Lost or Stolen
Certificates. If (i) any mutilated Certificate is
surrendered to the Trustee or any Authenticating Agent, or (ii) the
Trustee or any Authenticating Agent receives evidence to their
satisfaction of the destruction, loss or theft of any Certificate,
and there is delivered to the Trustee or any Authenticating Agent
(and with respect to the Insured Certificates, the Certificate
Insurer) such security or indemnity as may be required by them to
save each of them and the Trust harmless, then, in the absence of
notice to the Trustee or any Authenticating Agent that such
Certificate has been acquired by a protected purchaser, the Trustee
shall execute and the Trustee or any Authenticating Agent shall
authenticate and deliver, in exchange for or in lieu of any such
mutilated, destroyed, lost or stolen Certificate, a new Certificate
of like Certificate Principal Balance or Percentage Interest as
applicable. Upon the issuance of any new Certificate under this
Section 5.04, the Trustee or any Authenticating Agent may require
the payment of a sum sufficient to cover any tax or other
governmental charge that may be imposed in relation thereto and any
other expenses (including the fees and expenses of the Trustee or
any Authenticating Agent) connected therewith. Any replacement
Certificate issued pursuant to this Section 5.04 shall constitute
complete and indefeasible evidence of ownership in REMIC II (or
with respect to the Class R Certificates, the residual ownership
interests in REMIC I and REMIC II) as if originally issued, whether
or not the lost or stolen Certificate shall be found at any
time.

Section
5.05.       
Persons Deemed Owners. The
Company, the Servicer, the Trust, the Trustee, the Delaware
Trustee, the Certificate Insurer (with respect to the Insured
Certificates) 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, Section 4.04 and Section 4.05 and for all other
purposes whatsoever, and none of the Company, the Servicer, the
Trust, the Trustee, the Delaware Trustee, the Certificate Insurer
(with respect to the Insured Certificates), the Certificate
Registrar or any agent thereof shall be affected by notice to the
contrary.

Section
5.06.       
Temporary Certificates. Upon
the initial issuance of the Certificates, the Trustee on behalf of
the Trust may execute, and the Trustee or any Authenticating Agent
shall authenticate and deliver, temporary Certificates which are
printed, lithographed, typewritten or otherwise produced, in any
Authorized Denomination, of the tenor of the definitive
Certificates in lieu of which they are issued and with such
variations in form from the forms of the Certificates set forth as
Exhibits A, B and H hereto as the Trustee’s officers
executing such Certificates may determine, as evidenced by their
execution of the Certificates.  Notwithstanding the foregoing,
the Certificates may remain in the form of temporary
Certificates.

If
temporary Certificates are issued, the Trustee shall cause
definitive Certificates to be prepared within ten Business Days
after the Closing Date or as soon as practicable thereafter. After
preparation of definitive Certificates, the temporary Certificates
shall be exchangeable for definitive Certificates upon surrender of
the temporary Certificates at the office or agency of the Trustee
to be maintained as provided in Section 5.10 hereof, without charge
to the holder. Any tax or governmental charge that may be imposed
in connection with any such exchange shall be borne by the
Servicer. Upon surrender for cancellation of any one or more
temporary Certificates, the Trustee on behalf of the Trust shall
execute and the Trustee or any Authenticating Agent shall
authenticate and deliver in exchange therefor a like principal
amount of definitive Certificates of Authorized Denominations.
Until so exchanged, the temporary Certificates shall in all
respects be entitled to the same benefits under this Agreement as
definitive Certificates.

Section
5.07.       
Book-Entry for Book-Entry
Certificates. Notwithstanding the foregoing, the
Book-Entry Certificates, upon original issuance, shall be issued in
the form of one or more typewritten Certificates of Authorized
Denomination representing the Book-Entry Certificates, to be
delivered to DTC, the initial Clearing Agency, by, or on behalf of,
the Company. The Book-Entry Certificates shall initially be
registered on the Certificate Register in the name of Cede &
Co., the nominee of DTC, as the initial Clearing Agency, and no
Beneficial Holder shall receive a definitive certificate
representing such Beneficial Holder’s interest in any Class
of Book-Entry Certificate, except as provided above and in Section
5.09. Each Book-Entry Certificate shall bear the following
legend:

Unless this Certificate is
presented by an authorized representative of The Depository Trust
Company, a New York corporation (“DTC”), to the
Company or its agent for registration of transfer, exchange, or
payment, and any Certificate issued is registered in the name of
Cede & Co. or such other name as is requested by an authorized
representative of DTC (and any payment is made to Cede & Co. or
to such other entity as is requested by an authorized
representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF
FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL inasmuch as
the registered owner hereof, Cede & Co., has an interest
herein.

Unless and until definitive, fully registered
Book-Entry Certificates (the “Definitive
Certificates”) have been issued to the Beneficial Holders
pursuant to Section 5.09:

(a)        the
provisions of this Section 5.07 shall be in full force and effect
with respect to the Book-Entry Certificates;

(b)        the
Servicer and the Trustee may deal with the Clearing Agency for all
purposes with respect to the Book-Entry Certificates (including the
making of distributions on the Book-Entry Certificates) as the sole
Certificateholder;

(c)        to
the extent that the provisions of this Section 5.07 conflict with
any other provisions of this Agreement, the provisions of this
Section 5.07 shall control; and

(d)        the
rights of the Beneficial Holders shall be exercised only through
the Clearing Agency and the DTC Participants and shall be limited
to those established by law and agreements between such Beneficial
Holders and the Clearing Agency and/or the DTC Participants.
Pursuant to the Depositary Agreement, unless and until Definitive
Certificates are issued pursuant to Section 5.09, the initial
Clearing Agency will make book-entry transfers among the DTC
Participants and receive and transmit distributions of principal
and interest on the related Class of Book-Entry Certificates to
such DTC Participants.

For
purposes of any provision of this Agreement requiring or permitting
actions with the consent of, or at the direction of, Holders of
Book-Entry Certificates evidencing a specified Percentage Interest,
such direction or consent may be given by the Clearing Agency at
the direction of Beneficial Holders owning Book-Entry Certificates
evidencing the requisite Percentage Interest represented by the
Book-Entry Certificates. The Clearing Agency may take conflicting
actions with respect to the Book-Entry Certificates to the extent
that such actions are taken on behalf of the Beneficial
Holders.

Section
5.08.       
Notices to Clearing Agency.
Whenever notice or other communication to the Certificateholders is
required under this Agreement, unless and until Definitive
Certificates shall have been issued to the related
Certificateholders pursuant to Section 5.09, the Trustee shall give
all such notices and communications specified herein to be given to
Holders of the Book-Entry Certificates to the Clearing Agency which
shall give such notices and communications to the related DTC
Participants in accordance with its applicable rules, regulations
and procedures.

Section
5.09.       
Definitive Certificates. If
(a) the Clearing Agency or the Servicer notifies the Trustee in
writing that the Clearing Agency is no longer willing or able to
discharge properly its responsibilities under the Depositary
Agreement with respect to the Book-Entry Certificates and the
Trustee or the Servicer is unable to locate a qualified successor,
(b) the Servicer, with the consent of the related DTC Participants,
advises the Trustee in writing that it elects to terminate the
book-entry system with respect to the Book-Entry Certificates
through the Clearing Agency or (c) after the occurrence of an Event
of Default, Certificateholders holding Book-Entry Certificates
evidencing Percentage Interests aggregating not less than 66% of
the aggregate Class Principal Balance of such Certificates advise
the Trustee and the Clearing Agency through DTC Participants in
writing that the continuation of a book-entry system with respect
to the Book-Entry Certificates through the Clearing Agency is no
longer in the best interests of the Certificateholders with respect
to such Certificates, the Trustee shall notify all
Certificateholders of Book-Entry Certificates of the occurrence of
any such event and of the availability of Definitive Certificates.
Upon surrender to the Trustee of the Book-Entry Certificates by the
Clearing Agency, accompanied by registration instructions from the
Clearing Agency for registration, the Trustee on behalf of the
Trust shall execute and the Trustee or any Authenticating Agent
shall authenticate and deliver the Definitive Certificates. Neither
the Company, the Servicer, the Trust nor the Trustee shall be
liable for any delay in delivery of such instructions and may
conclusively rely on, and shall be protected in relying on, such
instructions. Upon the issuance of Definitive Certificates for all
of the Certificates all references herein to obligations imposed
upon or to be performed by the Clearing Agency shall be deemed to
be imposed upon and performed by the Trustee, to the extent
applicable with respect to such Definitive Certificates, and the
Trustee shall recognize the Holders of Definitive Certificates as
Certificateholders hereunder.

Section
5.10.       
Office for Transfer of
Certificates. The Trustee shall maintain an office
or agency where Certificates may be surrendered for registration of
transfer or exchange. The Corporate Trust Office is initially
designated for said purposes.

Section
5.11.       
Nature of Certificates. The
Certificates shall be personal property giving only the rights
specifically set forth therein and in this Agreement.  The
Certificates shall have no preemptive or similar rights and when
issued and delivered to the Holders against payment of the purchase
price therefor will be fully paid and nonassessable by the
Trust.  The Holders of the Certificates, in their capacities
as such, shall be entitled to the same limitation of personal
liability extended to stockholders of private corporations for
profit organized under the General Corporation Law of the State of
Delaware. THE RECEIPT AND ACCEPTANCE OF A CERTIFICATE OR ANY
INTEREST THEREIN BY OR ON BEHALF OF A HOLDER OR ANY BENEFICIAL
OWNER, WITHOUT ANY SIGNATURE OR FURTHER MANIFESTATION OF ASSENT,
SHALL CONSTITUTE THE UNCONDITIONAL ACCEPTANCE BY THE HOLDER AND ALL
OTHERS HAVING A BENEFICIAL INTEREST IN SUCH CERTIFICATE OF ALL THE
TERMS AND PROVISIONS OF THIS AGREEMENT, AND SHALL CONSTITUTE THE
AGREEMENT OF THE TRUST, SUCH HOLDER AND SUCH OTHERS THAT THE TERMS
AND PROVISIONS OF THIS AGREEMENT SHALL BE BINDING, OPERATIVE AND
EFFECTIVE AS BETWEEN THE TRUST AND SUCH HOLDER AND SUCH OTHERS.

ARTICLE VI

The Company and the Servicer

Section
6.01.       
Liability of the Company and the
Servicer. Each of the Company and the Servicer shall
be liable in accordance herewith only to the extent of the
obligations specifically imposed upon and undertaken by the Company
or the Servicer, as applicable, herein.

Section
6.02.       
Merger or Consolidation of the Company or the
Servicer. Any Corporation into which either the
Company or the Servicer may be merged or consolidated, or any
Corporation resulting from any merger, conversion or consolidation
to which either the Company or the Servicer shall be a party, or
any Corporation succeeding to the business of either the Company or
the Servicer, shall be the successor of the Company or the
Servicer, as applicable, 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.

Section
6.03.       
Limitation on Liability of the Company, the
Servicer and Others. Neither the Company nor the
Servicer nor any of the directors, officers, employees or agents of
the Company or the Servicer shall be under any liability to the
Trust, the Holders of the REMIC I or REMIC II Regular Interests or
the Certificateholders for any action taken by such Person or for
such Person’s refraining from the taking of any action in
good faith pursuant to this Agreement, or for errors in judgment;
provided, however, that this provision shall not protect the
Company, the Servicer or any such Person against any liability
which would otherwise be imposed by reason of willful misfeasance,
bad faith or gross negligence in the performance of duties or by
reason of reckless disregard of duties and obligations hereunder.
Each of the Company, the Servicer and any director, officer,
employee or agent of the Company or the Servicer, as applicable,
may rely in good faith on any document of any kind properly
executed and submitted by any Person respecting any matters arising
hereunder. Each of the Company, the Servicer and any director,
officer, employee or agent of the Company or the Servicer, as
applicable, shall be indemnified by the Trust and held harmless
against any loss, liability or expense incurred in connection with
any legal action relating to this Agreement or the Certificates,
other than any loss, liability or expense relating to any Mortgage
Loan (other than as otherwise permitted in this Agreement) or
incurred by reason of willful misfeasance, bad faith or gross
negligence in the performance of duties hereunder or by reason of
reckless disregard of obligations and duties hereunder. The
Servicer shall not be under any obligation to appear in, prosecute
or defend any legal action which is not incidental to its duties
related to the Mortgage Loans in accordance with this Agreement and
which in its opinion may involve it in any expense or liability;
provided, however, that each of the Company and the Servicer
may in its discretion undertake any such action which it may deem
necessary or desirable with respect to the Mortgage Loans, this
Agreement, the Certificates or the rights and duties of the parties
hereto and the interests of the Certificateholders hereunder. In
such event, the legal expenses and costs of such action and any
liability resulting therefrom shall be expenses, costs and
liabilities of the Trust and the Company and the Servicer shall be
entitled to be reimbursed, as applicable, therefor out of the
Certificate Account, as provided by Section 3.05.

Section
6.04.       
Neither the Company nor the Servicer may
Resign. Neither the Company nor the Servicer shall
resign from its respective obligations and duties hereby imposed on
it, as applicable, except upon determination by the Company or the
Servicer that its respective duties hereunder are no longer
permissible under applicable law.  Any successor Servicer
shall not resign from the obligations and duties hereby imposed on
it except upon determination that its duties hereunder are no
longer permissible under applicable law. Any such determination
permitting the resignation of the Company, the Servicer or any
successor Servicer shall be evidenced by an Opinion of Counsel to
such effect delivered to the Trustee and the Certificate Insurer.
No such resignation shall become effective until the Trustee or a
successor Servicer shall have assumed the Servicer’s
responsibilities and obligations in accordance with Section 7.02
hereof.

If Washington Mutual Bank is no longer acting as
Servicer, then the successor Servicer shall give prompt written
notice to the Company of any information received by such successor
Servicer which affects or relates to an ongoing obligation or right
of the Company under this Agreement.

Section
6.05.       
Trustee and Certificate Insurer
Access. The Servicer
shall afford the Company and the Trustee, upon reasonable notice,
during normal business hours access to all records maintained by
the Servicer, in respect of the Mortgage Loans and in respect of
its rights and obligations hereunder and access to such of its
officers as are responsible for such obligations.  Upon
reasonable request, the Servicer, shall furnish the Company and the
Trustee with its most recent financial statements (or, for so long
as Washington Mutual Bank is the Servicer, the most recent
consolidated financial statements for Washington Mutual Bank
appearing in the audited financial statements of Washington Mutual,
Inc., or the entity with whose financial statements the financial
statements of Washington Mutual Bank are consolidated) and such
other information as it possesses, and which it is not prohibited
by law or, to the extent applicable, binding obligations to third
parties with respect to confidentiality from disclosing, regarding
its business, affairs, property and condition, financial or
otherwise.  Each time the Certificate Insurer has paid any
Insured Amount, the Servicer shall (i) afford the Certificate
Insurer, upon reasonable notice, during normal business hours,
access to its records and officers to the extent described in the
first sentence of this Section 6.05 (such access to be restricted
to one occurrence following the payment of any Insured Amount,
provided that such access may be for such period of time as the
Certificate Insurer deems reasonably necessary) and (ii) furnish
the Certificate Insurer with such financial statements as are
described in the second sentence of this Section 6.05.

ARTICLE VII

Default

Section
7.01.       
Events of Default. (a) In case
one or more of the following Events of Default by the Servicer or
by a successor Servicer shall occur and be continuing, that is to
say:

(i)                 
Any failure by the Servicer to deposit into the Certificate Account
any payment required to be deposited therein by the Servicer under
the terms of this Agreement which continues unremedied for a period
of five Business Days after the date upon which written notice of
such failure, requiring the same to be remedied, shall have been
given to the Servicer by the Trustee or to the Servicer and the
Trustee by the Holders of Certificates evidencing Percentage
Interests aggregating not less than 25% of REMIC III; or

(ii)               
Failure on the part of the Servicer duly to observe or perform in
any material respect any other of the covenants or agreements on
the part of the Servicer contained in the Certificates or in this
Agreement which continues unremedied for a period of 60 days after
the date on which written notice of such failure, requiring the
same to be remedied, shall have been given to the Servicer by the
Trustee, or to the Servicer and the Trustee by the Holders of
Certificates evidencing Percentage Interests aggregating not less
than 25% of REMIC III; or

(iii)              
A decree or order of a court or agency or supervisory authority
having jurisdiction in the premises for the appointment of a
trustee in bankruptcy, conservator or receiver or liquidator in any
bankruptcy, insolvency, readjustment of debt, marshalling of assets
and liabilities or similar proceedings, or for the winding‐up
or liquidation of its affairs, shall have been entered against the
Servicer and such decree or order shall have remained in force
undischarged or unstayed for a period of 60 days; or

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

(v)               
The 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 bankruptcy, insolvency or reorganization statute,
make an assignment for the benefit of its creditors, or voluntarily
suspend payment of its obligations; or

(vi)             
Any failure of the Servicer to make any Monthly P&I Advance
(other than a Nonrecoverable Advance) which continues unremedied at
the opening of business on the Distribution Date in respect of
which such Monthly P&I Advance was to have been made;

then, and in each and every such case, so long as
an Event of Default shall not have been remedied, either the
Trustee or the Holders of Certificates evidencing Percentage
Interests aggregating not less than 25% of REMIC III, by notice in
writing to the Company and the Servicer (and to the Trustee if
given by the Certificateholders, in which case such notice shall
set forth evidence reasonably satisfactory to the Trustee that such
Event of Default has occurred and shall not have been remedied) may
terminate all of the rights (other than its right to reimbursement
for advances) and obligations of the Servicer, including its right
to the Servicing Fee, under this Agreement and in and to the
Mortgage Loans and the proceeds thereof, if any. Such determination
shall be final and binding. On or after the receipt by the Servicer
of such written notice, all authority and power of the Servicer
under this Agreement, whether with respect to the Certificates or
the Mortgage Loans or otherwise, shall pass to and be vested in the
Trustee pursuant to and under this Section 7.01; and, without
limitation, the Trustee is hereby authorized and empowered to
execute and deliver, on behalf of the Servicer, as
attorney‐in‐fact or otherwise, any and all documents
and other instruments, and to do or accomplish all other acts or
things necessary or appropriate to effect the purposes of such
notice of termination, whether to complete the transfer and
endorsement or assignment of the Mortgage Loans and related
documents, or otherwise. The Servicer agrees to cooperate with the
Trustee in effecting the termination of the Servicer's
responsibilities and rights hereunder, including, without
limitation, the transfer to the Trustee for administration by it of
all cash amounts which shall at the time be credited by the
Servicer to the Certificate Account or thereafter be received with
respect to the Mortgage Loans.

Notwithstanding the foregoing, if an Event of
Default described in clause (vi) of this Section 7.01(a) shall
occur, the Trustee shall, by notice in writing to the Servicer,
which may be delivered by telecopy, immediately suspend all of the
rights and obligations of the Servicer thereafter arising under
this Agreement, but without prejudice to any rights it may have as
a Certificateholder or to reimbursement of Monthly P&I Advances
and other advances of its own funds, and the Trustee shall act as
provided in Section 7.02 to carry out the duties of the Servicer,
including the obligation to make any Monthly P&I Advance the
nonpayment of which was an Event of Default described in clause
(vi) of this Section 7.01(a). Any such action taken by the
Trustee must be prior to the distribution on the relevant
Distribution Date. If the Servicer shall within two Business Days
following such suspension remit to the Trustee the amount of any
Monthly P&I Advance (plus interest accrued thereon at a per
annum rate equal to the prime rate for United States money center
commercial banks as published in The Wall Street Journal)
the nonpayment of which by the Servicer was an Event of Default
described in clause (vi) of this Section 7.01(a), the
Trustee, subject to the last sentence of this paragraph, shall
permit the Servicer to resume its rights and obligations as
Servicer hereunder. The Servicer agrees that it will reimburse the
Trustee for actual, necessary and reasonable costs incurred by the
Trustee because of action taken pursuant to clause (vi) of this
Section 7.01(a). The Servicer agrees that if an Event of Default as
described in clause (vi) of this Section 7.01(a) shall occur more
than two times in any twelve month period, the Trustee shall be
under no obligation to permit the Servicer to resume its rights and
obligations as Servicer hereunder.

(b)        In
case one or more of the following Events of Default by the Company
shall occur and be continuing, that is to say:

(i)                 
Failure on the part of the Company duly to observe or perform in
any material respect any of the covenants or agreements on the part
of the Company contained in the Certificates or in this Agreement
which continues unremedied for a period of 60 days after the date
on which written notice of such failure, requiring the same to be
remedied, shall have been given to the Company by the Trustee, or
to the Company and the Trustee by the Holders of Certificates
evidencing Percentage Interests aggregating not less than 25% of
REMIC II; or

(ii)               
A decree or order of a court or agency or supervisory authority
having jurisdiction in the premises for the appointment of a
trustee in bankruptcy, conservator or receiver or liquidator in any
bankruptcy, insolvency, readjustment of debt, marshalling of assets
and liabilities or similar proceedings, or for the winding‐up
or liquidation of its affairs, shall have been entered against the
Company and such decree or order shall have remained in force
undischarged or unstayed for a period of 60 days; or

(iii)              
The Company shall consent to the appointment of a trustee in
bankruptcy, conservator or receiver or liquidator in any
bankruptcy, insolvency, readjustment of debt, marshalling of assets
and liabilities or similar proceedings of or relating to the
Company or of or relating to all or substantially all of its
property; or

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

then, and in each and every such case, so long as
such Event of Default shall not have been remedied, the Holders of
Certificates evidencing Percentage Interests aggregating not less
than 25% of REMIC III, by notice in writing to the Company and the
Trustee, may direct the Trustee in accordance with Section 10.03 to
institute an action, suit or proceeding in its own name as Trustee
hereunder to enforce the Company's obligations
hereunder.

(c)        In
any circumstances in which this Agreement states that
Certificateholders owning Certificates evidencing a certain
Percentage Interest in REMIC III may take certain action, such
action shall be taken by the Trustee, but only if the requisite
percentage of Certificateholders required under this Agreement for
taking like action or giving like instruction to the Trustee under
this Agreement shall have so directed the Trustee in
writing.

Section
7.02.       
Trustee to Act; Appointment of
Successor.

(a)        On
and after the date on which the Servicer receives a notice of
termination pursuant to Section 7.01 or the Servicer resigns
pursuant to Section 6.04, the Trustee shall be the successor in all
respects to the Servicer under this Agreement with respect to the
Mortgage Loans in the Mortgage Pool and with respect to the
transactions set forth or provided for herein and shall have all
the rights and powers and be subject to all the responsibilities,
duties and liabilities relating thereto arising on or after such
date of termination or resignation placed on the Servicer by the
terms and provisions hereof and thereof, and shall have the same
limitations on liability herein granted to the Servicer;
provided, that the Trustee shall not under any circumstances
be responsible for any representations and warranties or any
Purchase Obligation of the Company or any liability incurred by the
Servicer prior to such date of termination or resignation and the
Trustee shall not be obligated to make a Monthly P&I Advance if
it is prohibited by law from so doing. As compensation therefor,
the Trustee shall be entitled to all funds relating to the Mortgage
Loans which the Servicer would have been entitled to retain or to
withdraw from the Certificate Account if the Servicer had continued
to act hereunder, except for those amounts due to the Servicer as
reimbursement for advances previously made or amounts previously
expended and are otherwise reimbursable hereunder. Notwithstanding
the above, the Trustee may, if it shall be unwilling to so act, or
shall if it is unable to so act, appoint, or petition a court of
competent jurisdiction to appoint, any established housing and home
finance institution having a net worth of not less than $10,000,000
as the successor to the Servicer hereunder in the assumption of all
or any part of the responsibilities, duties or liabilities of the
Servicer hereunder. Pending any such appointment, the Trustee is
obligated to act in such capacity. In connection with such
appointment and assumption, the Trustee may make such arrangements
for the compensation of such successor out of payments on Mortgage
Loans as it and such successor shall agree; provided,
however, that no such compensation shall, together with the
compensation to the Trustee, be in excess of that permitted the
Servicer hereunder. The Trustee and such successor shall take such
actions, consistent with this Agreement, as shall be necessary to
effectuate any such succession.

(b)        In
connection with any termination or resignation of the Servicer
hereunder, in the event that any of the Mortgage Loans are MERS
Loans, either (i) the successor Servicer (including the Trustee if
the Trustee is acting as successor Servicer) shall represent and
warrant that it is a member of MERS in good standing and shall
agree to comply in all material respects with the rules and
procedures of MERS in connection with the servicing of the MERS
Loans, in which case the predecessor Servicer shall cooperate with
the successor Servicer in registering the transfer of servicing of
the MERS Loans to the successor Servicer on the MERS® System in
accordance with MERS’ rules and procedures, or (ii) if the
successor Servicer is not a member of MERS, the predecessor
Servicer shall cooperate with the successor Servicer in (A)
de-registering the MERS Loans from the MERS® System and (B)
causing MERS to execute and deliver an assignment from MERS to the
Trust of the Mortgage securing each MERS Loan in recordable form
and in the form otherwise provided under clause (X)(iii) of the
definition of “Mortgage File” herein and to execute and
deliver such other notices, documents and other instruments as may
be necessary or desirable to effect such de-registration and
assignment. The predecessor Servicer shall bear any and all fees of
MERS and all fees and costs of preparing and recording any
assignments of Mortgages as required under this Section
7.02(b).

Section
7.03.       
Notification to Certificateholders and the
Certificate Insurer. Upon any such termination or
appointment of a successor to the Servicer, the Trustee shall give
prompt written notice thereof to the Certificateholders at their
respective addresses appearing in the Certificate Register and to
the Certificate Insurer.

ARTICLE VIII

Concerning the Trustees

Section
8.01.       
Duties of Trustees.

(a)        The
Trustee, prior to the occurrence of an Event of Default and after
the curing of all Events of Default which may have occurred,
undertakes to perform such duties and only such duties as are
specifically set forth in this Agreement. In case an Event of
Default has occurred (which has not been cured or waived) the
Trustee shall exercise such of the rights and powers vested in it
by this Agreement, and use the same degree of care and skill in its
exercise as a prudent person would exercise or use under the
circumstances in the conduct of such person’s own
affairs.

(b)        The
Trustee, upon receipt of all resolutions, certificates, statements,
opinions, reports, documents, orders or other instruments furnished
to it which are specifically required to be furnished to it
pursuant to any provision of this Agreement, shall examine them to
determine whether they are in the form required by this Agreement;
provided, however, that the Trustee shall not be responsible for
the accuracy or content of any such certificate, statement,
opinion, report, or other order or instrument furnished by the
Company or Servicer to the Trustee pursuant to this
Agreement.

(c)        No
provision of this Agreement shall be construed to relieve the
Trustee or the Delaware Trustee from liability for its own
negligent action, its own negligent failure to act or its own
willful misconduct; provided, however, that:

(i)                 
Prior to the occurrence of an Event of Default and after the curing
of all such Events of Default which may have occurred, the duties
and obligations of the Trustee shall be determined solely by the
express provisions of this Agreement,

(ii)               
Neither the Trustee nor the Delaware Trustee shall 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
or the Delaware Trustee, and, in the absence of bad faith on the
part of the Trustee or the Delaware Trustee, such 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 such trustee and conforming
to the requirements of this Agreement; and

(iii)              
Neither the Trustee nor the Delaware Trustee shall be personally
liable with respect to any action taken or omitted to be taken by
it in good faith in accordance with the direction of the
Certificateholders holding Certificates which evidence Percentage
Interests aggregating not less than 25% of REMIC III relating to
the time, method and place of conducting any proceeding for any
remedy available to such trustee, or relating to the exercise of
any trust or power conferred upon such trustee under this
Agreement.

(d)       
Within ten Business Days after the occurrence of any Event of
Default known to the Trustee, the Trustee shall transmit by mail to
the Rating Agencies and the Certificate Insurer notice of each
Event of Default. Within 90 days after the occurrence of any Event
of Default known to the Trustee, the Trustee shall transmit by mail
to all Certificateholders (with a copy to the Rating Agencies)
notice of each Event of Default, unless such Event of Default shall
have been cured or waived; provided, however, the Trustee shall be
protected in withholding such notice if and so long as a
Responsible Officer of the Trustee in good faith determines that
the withholding of such notice is in the best interests of the
Certificateholders; and provided, further, that in the case of any
Event of Default of the character specified in Section 7.01(i) and
Section 7.01(ii) no such notice to Certificateholders or to the
Rating Agencies or the Certificate Insurer shall be given until at
least 30 days after the occurrence thereof.

Section
8.02.       
Certain Matters Affecting the
Trustees. Except as otherwise provided in Section
8.01:

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

(ii)               
Each of the Trustee and the Delaware 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)              
Neither the Trustee nor the Delaware Trustee shall be personally
liable for any action taken or omitted by it in good faith and
reasonably believed by it to be authorized or within the discretion
or rights or powers conferred upon it by this Agreement;

(iv)             
Prior to the occurrence of an Event of Default hereunder and after
the curing of all Events of Default which may have occurred,
neither the Trustee nor the Delaware Trustee shall 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 Holders of
Certificates evidencing Percentage Interests aggregating not less
than 25% of REMIC III; provided, however, that if the payment
within a reasonable time to the Trustee or the Delaware Trustee of
the costs, expenses or liabilities likely to be incurred by it in
the making of such investigation is, in the opinion of such
trustee, not reasonably assured to such trustee by the security, if
any, afforded to it by the terms of this Agreement, such trustee
may require reasonable indemnity against such expense or liability
as a condition to proceeding;

(v)               
Each of the Trustee and the Delaware Trustee may execute the trust
or any of the powers hereunder or perform any duties hereunder
either directly or by or through agents or attorneys selected by it
with reasonable care or (as in the case of the Initial Custodian)
designated by the Company;

(vi)             
Neither the Trustee nor the Delaware Trustee shall be deemed to
have knowledge or notice of any matter, including without
limitation an Event of Default, unless actually known by a
Responsible Officer, or unless written notice thereof referencing
this Agreement or the Certificates is received at the Notice
Address of such trustee;

(vii)            
In no event shall the Trustee or the Delaware Trustee be held
liable for acts or omissions of the Servicer or the other trustee
(excepting the Trustee’s own actions as
Servicer).   No provision of this Agreement shall require
the Trustee or the Delaware Trustee to expend or risk its own funds
or otherwise incur any financial liability in the performance of
any of its duties hereunder (except for the giving of required
notices), or in the exercise of any of its rights or powers, if it
shall have reasonable grounds for believing the repayment of such
funds or adequate indemnity against such risk or liability is not
reasonably assured to it;

(viii)          
When the Trustee is acting as Servicer pursuant to Section 7.02,
and to the extent permitted under applicable law, the Trustee is
hereby authorized, in making or disposing of any investment
permitted hereunder, to deal with itself (in its individual
capacity) or with any one or more of its affiliates, whether it or
its affiliate is acting as an agent of the Trustee or of any third
person or dealing as principal for its own account; and

(ix)             
Except as expressly provided in this Agreement, in no event shall
the Trustee be under any duty or obligation to monitor, determine,
investigate or compel compliance by the Trust with the requirements
of the Statutory Trust Statute.

Section
8.03.       
Trustees Not Liable for Certificates or
Mortgage Loans. The recitals contained herein (other
than those relating to the due organization, power and authority of
the Trustee and the Delaware Trustee) and in the Certificates
(other than the execution of, and certificate of authentication on,
the Certificates) shall be taken as the statements of the Company
or the Trust, as applicable, and neither the Trustee nor the
Delaware Trustee assumes any responsibility for their correctness.
Neither the Trustee nor the Delaware Trustee makes any
representations as to the validity or sufficiency of this Agreement
or of the Certificates or any Mortgage Loan. Neither the Trustee
nor the Delaware Trustee shall be accountable for the use or
application by the Company or the Trust, as applicable, of any of
the Certificates or of the proceeds of such Certificates, or for
the use or application of any funds paid to the Servicer or the
Company in respect of the Mortgage Loans or deposited into the
Custodial Accounts for P&I, any Buydown Fund Account, or the
Custodial Accounts for P&I or into the Investment Account, or
the Certificate Account by the Servicer or the Company.

Section
8.04.       
Trustees May Own Certificates.
The Trustee, the Delaware Trustee or any agent or affiliate of such
trustee, in its individual or any other capacity, may become the
owner or pledgee of Certificates with the same rights it would have
if it were not trustee.

Section
8.05.       
The Servicer to Pay Trustees’ Fees and
Expenses. Subject to separate written agreements
with the Trustee and the Delaware Trustee, the Servicer covenants
and agrees to, and the Servicer shall, pay each of the Trustee and
the Delaware Trustee from time to time, and such trustee shall be
entitled to payment, for all services rendered by it in the
execution of the trust hereby created and in the exercise and
performance of any of the powers and duties hereunder of such
trustee. Except as otherwise expressly provided herein, the
Servicer shall pay or reimburse each of the Trustee and the
Delaware Trustee upon such trustee’s request for all
reasonable expenses and disbursements incurred or made by such
trustee in accordance with any of the provisions of this Agreement
(including Section 3.16), including any such expenses incurred or
made in connection with a transfer of servicing, and shall
indemnify such trustee from any loss, liability or expense incurred
by it hereunder (including the reasonable compensation and the
expenses and disbursements of its counsel and of all persons not
regularly in its employ and any expenses which arise out of or are
imposed upon the Trustee or the Delaware Trustee in connection with
the creation, operation or termination of the Trust) except any
such expense or disbursement as may arise from its own negligence
or bad faith. Such obligation shall survive the termination of this
Agreement or resignation or removal of the Trustee or the Delaware
Trustee. The Tax Matters Person shall, at its expense, prepare or
cause to be prepared all federal and state income tax and franchise
tax and information returns relating to REMIC I, REMIC II or REMIC
III required to be prepared or filed by the Trustee or the Delaware
Trustee and shall indemnify the Trustee and the Delaware Trustee
for any liability of such trustees arising from any error in such
returns.

Section
8.06.       
Eligibility Requirements for
Trustees. The Trustee hereunder shall at all times
be (i) an institution insured by the FDIC, (ii) a Corporation
organized and doing business under the laws of the United States of
America or of any state, authorized under such laws to exercise
corporate trust powers, having a combined capital and surplus of
not less than $50,000,000 and subject to supervision or examination
by federal or state authority and (iii) acceptable to the Rating
Agencies. If such Corporation publishes reports of condition at
least annually, pursuant to law or to the requirements of any
aforementioned supervising or examining authority, then for the
purposes of this Section 8.06, the combined capital and surplus of
such Corporation shall be deemed to be its combined capital and
surplus as set forth in its most recent report of condition so
published.  The Delaware Trustee hereunder shall at all times
have its principal place of business in the State of Delaware and
shall satisfy the applicable requirements under the laws of the
State of Delaware authorizing it to act as the Delaware trustee of
the Trust.  In case at any time the Trustee or the Delaware
Trustee shall cease to be eligible in accordance with the
provisions of this Section 8.06, such trustee shall resign
immediately in the manner and with the effect specified in Section
8.07.

Section
8.07.       
Resignation and Removal of
Trustees. Each of the Trustee and the Delaware
Trustee may at any time resign and be discharged from the trust
hereby created by giving written notice thereof to the Servicer and
the Certificate Insurer. Upon receiving such notice of resignation,
the Servicer shall promptly appoint a successor trustee by written
instrument, in duplicate, one copy of which instrument shall be
delivered to the resigning trustee and one copy to the successor
trustee. If no successor trustee shall have been so appointed and
shall 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.

If at
any time the Trustee or the Delaware 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
Servicer, or if at any time the Trustee or the Delaware Trustee
shall become incapable of acting, or shall be adjudged bankrupt or
insolvent, or a receiver of such trustee or of its property shall
be appointed, or any public officer shall take charge or control of
such trustee or of its property or affairs for the purpose of
rehabilitation, conservation or liquidation, then the Servicer may
remove such trustee and appoint a successor trustee by written
instrument, in duplicate, copies of which instrument shall be
delivered to the trustee so removed, the trustee continuing in its
capacity and the successor trustee.

The
Holders of Certificates evidencing Percentage Interests aggregating
more than 50% of REMIC III may at any time remove the Trustee or
the Delaware Trustee and appoint a successor trustee by written
instrument or instruments, in triplicate, signed by such Holders or
their attorneys in-fact duly authorized, one complete set of which
instruments shall be delivered to the Servicer, one complete set to
the Trustee so removed and one complete set to the successor so
appointed.

Any
resignation or removal of the Trustee or the Delaware Trustee and
appointment of a successor trustee pursuant to any of the
provisions of this Section 8.07 shall become effective upon
acceptance of appointment by the successor trustee as provided in
Section 8.08. Any expenses associated with the resignation of the
Trustee or the Delaware Trustee shall be borne by such trustee, and
any expenses associated with the removal of the Trustee or the
Delaware Trustee shall be borne by the Servicer.

Section
8.08.       
Successor Trustee. Any
successor trustee appointed as provided in Section 8.07 shall
execute, acknowledge and deliver to the 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 like effect as if originally named
as Trustee or Delaware Trustee herein. The predecessor shall
deliver to the successor trustee all Mortgage Files, related
documents, statements and all other property held by it hereunder,
and the Servicer and the predecessor trustee shall execute and
deliver such instruments and do such other things as may reasonably
be required for more fully and certainly vesting and confirming in
the successor trustee all such rights, powers, duties and
obligations.

No
successor trustee shall accept appointment as provided in this
Section 8.08 unless at the time of such appointment such successor
trustee shall be eligible under the provisions of Section
8.06.

Upon
acceptance of appointment by a successor trustee as provided in
this Section 8.08, the Servicer shall mail notice of the succession
of such trustee hereunder to (i) all Certificateholders at their
addresses as shown in the Certificate Register, (ii) the
Certificate Insurer and (iii) the Rating Agencies. If the Servicer
fails to mail such notice within ten days after acceptance of
appointment by the successor trustee, the successor trustee shall
cause such notice to be mailed.

Section
8.09.       
Merger or Consolidation of
Trustee. Any Corporation into which the Trustee or
the Delaware Trustee may be merged or converted or with which it
may be consolidated, or any Corporation resulting from any merger,
conversion or consolidation to which the Trustee or the Delaware
Trustee shall be a party, or any Corporation succeeding to the
corporate trust business of such trustee, shall be the successor of
such trustee hereunder, provided such resulting or successor
Corporation 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 the assets of
the Trust may at the time be located, the Servicer and the Trustee
or the Delaware Trustee, as applicable, acting jointly shall have
the power and shall execute and deliver all instruments to appoint
one or more Persons approved by such trustee to act as co-trustee
or co-trustees, jointly with such trustee, or separate trustee or
separate trustees, of all or any part of the assets of the Trust
and to vest in such Person or Persons, in such capacity, such title
to the assets of the Trust, or any part thereof, and, subject to
the other provisions of this Section 8.10, such powers, duties,
obligations, rights and trusts as the Servicer and the Trustee or
the Delaware Trustee, as applicable, may consider necessary or
desirable; provided, that the Trustee or the Delaware Trustee, as
applicable, shall remain liable for all of its obligations and
duties under this Agreement. If the Servicer shall not have joined
in such appointment within 15 days after the receipt by it of a
request so to do, or in case an Event of Default shall have
occurred and be continuing, the Trustee or the Delaware Trustee, as
applicable, alone shall have the power to make such appointment;
provided, that such trustee shall remain liable for all of its
obligations and duties under this Agreement. 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 Certificateholders 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 or the Delaware
Trustee, as applicable, shall be conferred or imposed upon and
exercised or performed by the Trustee or the Delaware Trustee, as
applicable, and such separate trustee or co-trustee jointly and
severally, 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 or the Delaware Trustee, as applicable
(whether as Trustee or Delaware Trustee hereunder or as successor
to the Servicer hereunder), such trustee shall be incompetent or
unqualified to perform such act or acts, in which event such
rights, powers, duties and obligations (including the holding of
title to the assets of the Trust 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 or the
Delaware Trustee, as applicable.

Any
notice, request or other writing given to the Trustee or the
Delaware Trustee shall be deemed to have been given to each of the
then related separate trustee(s) and co-trustee(s), as effectively
as if given to each of them. Every instrument appointing any
separate trustee(s) or co-trustee(s) shall refer to this Agreement
and the conditions of this Article VIII. Each separate trustee and
co-trustee, upon its acceptance of the trusts conferred, shall be
vested with the estates or property specified in its instrument of
appointment, either jointly with the Trustee or the Delaware
Trustee, as applicable, 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 or the Delaware Trustee, as applicable. Every such
instrument shall be filed with the Trustee or the Delaware Trustee,
as applicable.

Any
separate trustee or co-trustee may, at any time, constitute the
Trustee or the Delaware Trustee, as applicable, 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 the
trust shall vest in and be exercised by the Trustee or the Delaware
Trustee, as applicable, to the extent permitted by law, without the
appointment of a new or successor trustee.

Section
8.11.       
Authenticating Agents. The
Trustee may appoint one or more Authenticating Agents which shall
be authorized to act on behalf of the Trustee in authenticating
Certificates. Wherever reference is made in this Agreement to the
authentication of Certificates by the Trustee or the
Trustee’s certificate of authentication, such reference shall
be deemed to include authentication on behalf of the Trustee by an
Authenticating Agent and a certificate of authentication executed
on behalf of the Trustee by an Authenticating Agent. Each
Authenticating Agent must be acceptable to the Servicer and must be
a corporation, trust company or banking association organized and
doing business under the laws of the United States of America or of
any state, having an office and place of business in New York, New
York, having a combined capital and surplus of at least
$15,000,000, authorized under such laws to do a trust business and
subject to supervision or examination by federal or state
authorities.

Any
corporation into which any Authenticating Agent may be merged or
converted or with which it may be consolidated, or any corporation
resulting from any merger, conversion or consolidation to which any
Authenticating Agent shall be a party, or any corporation
succeeding to the corporate agency business of any Authenticating
Agent, shall continue to be the Authenticating Agent so long as it
shall be eligible in accordance with the provisions of the first
paragraph of this Section 8.11 without the execution or filing of
any paper or any further act on the part of the Trustee or the
Authenticating Agent.

Any
Authenticating Agent may at any time resign by giving written
notice of resignation to the Trustee and the Servicer. The Trustee
may, upon prior written approval of the Servicer, at any time
terminate the agency of any Authenticating Agent by giving written
notice of termination to such Authenticating Agent and to the
Servicer. Upon receiving a notice of resignation or upon such a
termination, or in case at any time any Authenticating Agent shall
cease to be eligible in accordance with the provisions of the first
paragraph of this Section 8.11, the Trustee may appoint, upon prior
written approval of the Servicer, a successor Authenticating Agent,
shall give written notice of such appointment to the Servicer and
shall mail notice of such appointment to all Certificateholders.
Any successor Authenticating Agent upon acceptance of its
appointment hereunder shall become vested with all the rights,
powers, duties and responsibilities of its predecessor hereunder,
with like effect as if originally named as Authenticating Agent.
Any reasonable compensation paid to an Authenticating Agent shall
be a reimbursable expense pursuant to Section 8.05 if paid by the
Trustee.

Section
8.12.       
Paying Agents. The Trustee may
appoint one or more Paying Agents which shall be authorized to act
on behalf of the Trustee in making withdrawals from the Certificate
Account, and distributions to Certificateholders and the
Certificate Insurer as provided in Section 4.01, Section 4.04,
Section 4.05(a) and Section 9.01(b) to the extent directed to do so
by the Servicer. Wherever reference is made in this Agreement to
the withdrawal from the Certificate Account by the Trustee, such
reference shall be deemed to include such a withdrawal on behalf of
the Trustee by a Paying Agent. Whenever reference is made in this
Agreement to a distribution by the Trustee or the furnishing of a
statement to Certificateholders and/or the Certificate Insurer by
the Trustee, such reference shall be deemed to include such a
distribution or furnishing on behalf of the Trustee by a Paying
Agent. Each Paying Agent shall provide to the Trustee such
information concerning the Certificate Account as the Trustee shall
request from time to time. Each Paying Agent must be reasonably
acceptable to the Servicer and must be a corporation, trust company
or banking association organized and doing business under the laws
of the United States of America or of any state, having an office
and place of business in New York, New York, having a combined
capital and surplus of at least $15,000,000, authorized under such
laws to do a trust business and subject to supervision or
examination by federal or state authorities.

Any
corporation into which any Paying Agent may be merged or converted
or with which it may be consolidated, or any corporation resulting
from any merger, conversion or consolidation to which any Paying
Agent shall be a party, or any corporation succeeding to the
corporate agency business of any Paying Agent, shall continue to be
the Paying Agent provided that such corporation after the
consummation of such merger, conversion, consolidation or
succession meets the eligibility requirements of this Section
8.12.

Any
Paying Agent may at any time resign by giving written notice of
resignation to the Trustee and to the Servicer; provided, that the
Paying Agent has returned to the Certificate Account or otherwise
accounted, to the reasonable satisfaction of the Servicer, for all
amounts it has withdrawn from the Certificate Account. The Trustee
may, upon prior written approval of the Servicer, at any time
terminate the agency of any Paying Agent by giving written notice
of termination to such Paying Agent and to the Servicer. Upon
receiving a notice of resignation or upon such a termination, or in
case at any time any Paying Agent shall cease to be eligible in
accordance with the provisions of the first paragraph of this
Section 8.12, the Trustee may appoint, upon prior written approval
of the Servicer, a successor Paying Agent, shall give written
notice of such appointment to the Servicer and shall mail notice of
such appointment to all Certificateholders and the Certificate
Insurer. Any successor Paying Agent upon acceptance of its
appointment hereunder shall become vested with all the rights,
powers, duties and responsibilities of its predecessor hereunder,
with like effect as if originally named as Paying Agent. Any
reasonable compensation paid to any Paying Agent shall be a
reimbursable expense pursuant to Section 8.05 if paid by the
Trustee.

Section
8.13.       
Duties of Delaware
Trustee.

(a)        The
Delaware Trustee is appointed to serve as the trustee of the Trust
in the State of Delaware for the sole purpose of satisfying the
requirement of Section 3807(a) of the Statutory Trust Statute that
the Trust have at least one trustee with a principal place of
business in Delaware.  It is understood and agreed by the
parties hereto that the Delaware Trustee shall have none of the
duties or liabilities of the Trustee.

(b)        The
duties of the Delaware Trustee shall be limited to (i) accepting
legal process served on the Trust in the State of Delaware, (ii)
the execution of any certificates with respect to the Trust
required to be filed with the Secretary of State which the Delaware
Trustee is required to execute under Section 3811 of the Statutory
Trust Statute and (iii) such other duties as are set forth in this
Article VIII.  To the extent that, at law or in equity, the
Delaware Trustee has duties (including fiduciary duties) and
liabilities relating thereto to the Trust or the Holders of the
REMIC I Regular Interests, the REMIC II Regular Interests or the
Certificates, it is hereby understood and agreed by the parties
hereto that such duties and liabilities are replaced by the duties
and liabilities of the Delaware Trustee expressly set forth in this
Agreement.

Section
8.14.       
Amendment to Certificate of
Trust. If at any time required by Section 3810 of
the Statutory Trust Statute, the Trustee, the Delaware Trustee and
any other trustee of the Trust shall cause an amendment to the
Certificate of Trust to be filed with the Secretary of State in
accordance with the provisions of such Section 3810.

Section
8.15.       
Limitation of Liability. It is
expressly understood and agreed by the parties hereto that (a) each
of the representations, undertakings and agreements herein made on
the part of the Trust is made and intended not as personal
representations, undertakings and agreements by the Trustee but is
made and intended for the purpose of binding only the Trust and (b)
under no circumstances shall the Trustee be personally liable for
the payment of any indebtedness or expenses of the Trust or be
liable for the breach or failure of any obligation, representation,
warranty or covenant made or undertaken by the Trust under this
Agreement.

Section
8.16.       
Yield Maintenance Agreements; the Premium
Letter. The Trust shall have the power and
authority, and the Trustee (not in its individual capacity, but
solely as Trustee hereunder) is hereby authorized and directed, to
(i) enter into and perform the obligations of the Trust under each
Yield Maintenance Agreement and the Premium Letter and (ii)
exercise and enforce the rights of the Trust as specified
therein.

ARTICLE IX

Termination

Section
9.01.       
Termination Upon Purchase by the Servicer or
Liquidation of All Mortgage Loans.

(a)       
Except as otherwise set forth in this Article IX, including,
without limitation, the obligation of the Servicer to make payments
to Certificateholders as hereafter set forth, the Trust and the
respective obligations and responsibilities of the Company, the
Servicer, the Trustee and the Delaware Trustee created hereby shall
terminate in accordance with Section 3808 of the Statutory Trust
Statute upon (i) the purchase by the Servicer pursuant to the
following paragraph of this Section 9.01(a) of all Mortgage Loans
(other than Liquidated Mortgage Loans), all property acquired in
respect of any Mortgage Loan remaining in the Trust and all other
property included in any REMIC formed under this Agreement at a
price equal, after the deduction of related advances, to the sum of
(x) the excess of (A) 100% of the aggregate outstanding Principal
Balance of such Mortgage Loans (other than Liquidated Mortgage
Loans) plus accrued interest at the applicable Pass-Through Rate
with respect to such Mortgage Loan (other than a Liquidated
Mortgage Loan) through the last day of the month of such purchase,
over (B) with respect to any Mortgage Loan which is not a
Liquidated Mortgage Loan, the amount of the Bankruptcy Loss
incurred with respect to such Mortgage Loan as of the date of such
purchase by the Servicer to the extent that the Principal Balance
of such Mortgage Loan has not been previously reduced by such
Bankruptcy Loss, and (y) without duplication, the appraised fair
market value as of the effective date of the termination of the
Trust of (A) all property in the Trust which secured a Mortgage
Loan and which was acquired by foreclosure or deed in lieu of
foreclosure after the Cut-Off Date, including related Insurance
Proceeds, and (B) all other property included in any REMIC formed
under this Agreement, any such appraisal to be conducted by an
appraiser mutually agreed upon by the Servicer and the Trustee,
less the sum of all unreimbursed advances made by the Servicer
pursuant to this Agreement, other than advances made with respect
to Mortgage Loans as to which the Servicer expects at the time of
such purchase, in its sole judgment, that foreclosure is not
imminent, or (ii) the later of the final payment or other
liquidation (or any advance with respect thereto) of the last
Mortgage Loan remaining in the Trust or the disposition of all
property acquired upon foreclosure in respect of any Mortgage Loan,
and the payment to the Certificateholders and the Certificate
Insurer of all amounts required to be paid to them hereunder;
provided, however, that in no event shall the Trust continue beyond
the expiration of 21 years from the death of the survivor of the
issue of Joseph P. Kennedy, the late ambassador of the United
States to the Court of St. James’, living on the date hereof.
The Servicer shall not have any further right to reimbursement by
the Trust for any advance that is used to reduce the purchase price
of the Mortgage Loans pursuant to the immediately preceding
sentence.

On any
Distribution Date after the first date on which the aggregate
Principal Balance of the Mortgage Loans is less than the Clean-Up
Call Percentage of the aggregate Principal Balance of the Mortgage
Loans as of the Cut-Off Date, the Servicer may purchase the
outstanding Mortgage Loans (other than Liquidated Mortgage Loans),
all property acquired in respect of any Mortgage Loan remaining in
the Trust and all other property included in any REMIC formed under
this Agreement at the price stated in clause (i) of the preceding
paragraph; provided, that the Servicer may not
so purchase the outstanding Mortgage Loans (other than Liquidated
Mortgage Loans), all property acquired in respect of any Mortgage
Loan remaining in the Trust and all other property included
in any REMIC formed under this Agreement if the price stated in
clause (i) of the preceding paragraph exceeds the fair market
value, determined in accordance with prudent industry practices, of
all outstanding Mortgage Loans (other than Liquidated Mortgage
Loans), all property acquired in respect of any Mortgage Loan
remaining in the Trust and all other property included in any REMIC
formed under this Agreement. If such
right is exercised, the Servicer shall provide to the Trustee, the
Certificate Insurer and the Company, the written certification of
an officer of the Servicer (which certification shall include a
statement to the effect that all amounts required to be paid in
order to purchase the Mortgage Loans have been deposited in the
Certificate Account) and the Trustee on behalf of the Trust shall
promptly execute all instruments as may be necessary to release and
assign to the Servicer the Mortgage Loans
(other than Liquidated Mortgage Loans), all property acquired in
respect of any Mortgage Loan remaining in the Trust and all other
property included in any REMIC formed under this
Agreement.

In no
event shall the Servicer be required to expend any amounts other
than those described in the first paragraph of this Section 9.01(a)
in order to terminate the Trust or purchase the Mortgage Loans
under this Section 9.01, and in no event shall the Company be
required to expend any amounts in connection with such termination
or purchase.

(b)       
Notice of any termination, specifying the date upon which the
Certificateholders may surrender their Certificates to the Trustee
for payment and cancellation, shall be given promptly by letter
from the Trustee to Certificateholders and the Certificate Insurer
mailed not less than 30 days prior to such final distribution,
specifying (i) the date upon which final payment of the
Certificates will be made upon presentation and surrender of
Certificates at the office of the Certificate Registrar therein
designated (the “Termination Date”), (ii) the
amount of such final payment (the “Termination
Payment”) and (iii) that the Record Date otherwise
applicable to the Distribution Date upon which the Termination Date
occurs is not applicable, payments being made only upon
presentation and surrender of the Certificates at the office of the
Certificate Registrar therein specified. Upon any such notice, the
Certificate Account shall terminate subject to the Servicer’s
obligation to hold all amounts payable to Certificateholders and
the Certificate Insurer in trust without interest pending such
payment. The Servicer shall provide the Trustee with written notice
of its intent to terminate the Trust upon purchase at least five
Business Days, or such lesser time as is acceptable to the Trustee,
such acceptance not to be unreasonably withheld, prior to the time
that the Trustee is required to mail notice to the
Certificateholders and the Certificate Insurer.

In the
event that all of the Certificateholders shall not surrender their
Certificates for cancellation within six months after the
Termination Date, the Servicer shall give a second written notice
to the remaining Certificateholders to surrender their Certificates
for cancellation and receive the Termination Payment with respect
thereto. If within one year after the second notice all the
Certificates shall not have been surrendered for cancellation, the
Servicer may take appropriate steps to contact the remaining
Certificateholders concerning surrender of their Certificates, and
the cost thereof shall be paid out of the funds and other assets
which remain in trust hereunder.

Upon
the completion of winding up of the Trust, including the payment or
the making reasonable provision for payment of all obligations of
the Trust in accordance with Section 3808(e) of the Statutory Trust
Statute, the Delaware Trustee shall prepare, the Trustee, the
Delaware Trustee and any other trustee hereunder shall sign, and
the Delaware Trustee (upon the Trustee’s consent acting at
the direction of the Servicer) shall file, a certificate of
cancellation with the Secretary of State in accordance with Section
3810 of the Statutory Trust Statute, at which time the Trust and
this Agreement shall terminate.  The Servicer shall act as the
liquidator of the Trust and shall be responsible for taking all
actions in connection with winding up the Trust, in accordance with
the requirements of this Agreement (including this Section 9.01 and
Section 9.02) and applicable law.

Section
9.02.       
Additional Termination
Requirements.

(a)        In
the event the Servicer exercises its purchase option as provided in
Section 9.01, REMIC I, REMIC II and REMIC III shall be terminated
in accordance with the following additional requirements, unless
the Servicer, at its own expense, obtains for the Trustee and the
Certificate Insurer an Opinion of Counsel to the effect that the
failure of REMIC I, REMIC II and REMIC III to comply with the
requirements of this Section 9.02 will not (i) result in the
imposition of taxes on “prohibited transactions” of
REMIC I, REMIC II and REMIC III as described in Section 860F of the
Code, or (ii) cause REMIC I, REMIC II or REMIC III to fail to
qualify as a REMIC at any time that any Certificates are
outstanding:

(i)                 
Within 90 days prior to the final Distribution Date set forth in
the notice given by the Trustee under Section 9.01, the Tax Matters
Person shall prepare the documentation required and the Tax Matters
Person and the Trustee shall adopt a plan of complete liquidation
on behalf of REMIC I, REMIC II and REMIC III meeting the
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 Servicer, on behalf of REMIC
I, REMIC II and REMIC III; and

(ii)               
At or after the time of adoption of such a plan of complete
liquidation and at or prior to the final Distribution Date, the
Servicer as agent of the Trust shall sell all of the assets of
REMIC I, REMIC II and REMIC III to the Servicer for cash in the
amount specified in Section 9.01.

(b)        By
its acceptance of any Residual Certificate, the Holder thereof
hereby agrees to authorize the Tax Matters Person and the Trustee
to adopt such a plan of complete liquidation upon the written
request of the Tax Matters Person and the Trustee and to take such
other action in connection therewith as may be reasonably requested
by the Tax Matters Person or the Trustee.

Section
9.03.       
Trust Irrevocable. Except as
expressly provided herein, the trust created hereby is
irrevocable.

ARTICLE X

Miscellaneous Provisions

Section
10.01.    Amendment.

(a)       
This Agreement may be amended from time to time by the Servicer,
the Company and the Trustee, without the consent of any of the
Certificateholders, but with the prior written consent of the
Certificate Insurer with respect to any amendment that adversely
affects the interests of the Certificate Insurer:

(i)                 
to cure any ambiguity;

(ii)               
to correct or supplement any provision herein which may be
defective or inconsistent with any other provisions herein;

(iii)              
to comply with any requirements imposed by the Code or any
regulations thereunder;

(iv)             
to correct the description of any property at any time included in
REMIC I, REMIC II or REMIC III, or to assure the conveyance to the
Trust of any property included in REMIC I, REMIC II or REMIC
III;

(v)               
pursuant to Section 5.01(c)(v); and

(vi)             
to add any provision to, or amend any provision in, this Agreement,
provided that such amendment or addition does not adversely affect
in any material respect the interests of any
Certificateholder;

provided, however, that any such
amendment which modifies the rights or obligations of the Delaware
Trustee hereunder shall require the consent of the Delaware
Trustee. No such amendment (other than one entered into pursuant to
clause (iii) of the preceding sentence) shall change the powers of
the Servicer. Prior to entering into any amendment (other than one
entered into pursuant to clause (iii) of the second preceding
sentence) without the consent of Certificateholders pursuant to
this paragraph, the Trustee shall require an Opinion of Counsel
addressed to the Trust and the Trustee to the effect that such
amendment is permitted under this Agreement and has no material
adverse effect on the interests of the Certificateholders;
provided, however, that no such Opinion of Counsel shall be
required if the Company obtains a letter from each Rating Agency
stating that the amendment would not result in the downgrading or
withdrawal of the respective ratings then assigned to the
Certificates (without regard to the Certificate Insurance Policy).
Prior to entering into any amendment pursuant to clause (iii) of
the third preceding sentence without the consent of
Certificateholders pursuant to this paragraph, the Trustee shall
require an Opinion of Counsel to the effect that such action is
necessary or helpful to comply with the requirements imposed by the
Code or any regulations thereunder and shall not cause any REMIC
formed under this Agreement to fail to qualify as such under the
Code.  The cost of any opinion required by this
Section 10.01 shall be borne by the party requesting such
amendment.

(b)       
This Agreement may also be amended from time to time by the
Servicer, the Company and the Trustee with the consent of the
Holders of Certificates evidencing Percentage Interests aggregating
not less than 66% of REMIC II, and with the prior written consent
of the Certificate Insurer with respect to any amendment that
adversely affects the interests of the Certificate Insurer, for the
purpose of adding any provisions to, or changing in any manner or
eliminating any of the provisions of, this Agreement or of
modifying in any manner the rights of the Certificateholders;
provided, however, that no such amendment shall, without the
consent of the Holder of each Certificate affected thereby (i)
reduce in any manner the amount of, or delay the timing of,
distributions of principal or interest required to be made
hereunder or reduce the Certificateholder’s Percentage
Interest, the Certificate Interest Rate or the Termination Payment
with respect to any of the Certificates, (ii) reduce the percentage
of Percentage Interests specified in this Section 10.01 which are
required to amend this Agreement, (iii) create or permit the
creation of any lien against any part of REMIC I, REMIC II or REMIC
III, or (iv) modify any provision in any way which would permit an
earlier retirement of the Certificates; provided, further,
that any such amendment which modifies the rights or obligations of
the Delaware Trustee hereunder shall require the consent of the
Delaware Trustee.

Promptly after the execution of any such
amendment, the Trustee shall furnish written notification of the
substance of such amendment to the Delaware Trustee, the
Certificate Insurer and each Certificateholder. Any failure to
provide such notice, or any defect therein, shall not, however, in
any way impair or affect the validity of any such
amendment.

It
shall not be necessary for the consent of Certificateholders under
this Section 10.01 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.

Section
10.02.    Recordation of Agreement. 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 the comparable jurisdictions in
which any Mortgaged Property is situated, and in any other
appropriate public recording office or elsewhere, such recordation
to be effected by the Company and at its expense on direction by
the Trustee, but only upon direction accompanied by an Opinion of
Counsel to the effect that such recordation materially and
beneficially affects the interests of the
Certificateholders. 

Section
10.03.    Limitation on Rights of Certificateholders.
The death or incapacity of any Certificateholder shall not operate
to terminate this Agreement or the Trust, 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, nor otherwise affect the
rights, obligations and liabilities of the parties hereto or any of
them.

No
Certificateholder shall have any right to vote or in any manner
otherwise to control the operation and management of the Trust or
the obligations of the parties hereto (except as provided in
Section 5.09, Section 7.01, Section 8.01, Section 8.02, Section
8.07, Section 10.01 and this Section 10.03), nor shall anything
herein set forth, or contained in the terms of the Certificates, be
construed so as to constitute the Certificateholders from time to
time as partners or members of an association; nor shall any
Certificateholder be under any liability to any third person by
reason of any action taken by the parties to this Agreement
pursuant to any provision hereof.

No
Certificateholder shall have any right by virtue or by availing of
any provision of this Agreement to institute any suit, action or
proceeding in equity or at law upon or under or with respect to
this Agreement, unless such Holder previously shall have given to
the Trustee a written notice of default and of the continuance
thereof, as hereinbefore provided, and unless also the Holders of
Certificates evidencing Percentage Interests aggregating not less
than 25% of REMIC II shall have made written request upon the
Trustee to institute such action, suit or proceeding in its own
name as Trustee hereunder and shall have offered to the Trustee
such reasonable indemnity as it may require against the costs,
expenses and liabilities to be incurred therein or thereby, and the
Trustee, for 60 days after its receipt of such notice, request and
offer of indemnity, shall have neglected or refused to institute
any such action, suit or proceeding. However, the Trustee is under
no obligation to exercise any of the extraordinary trusts or powers
vested in it by this Agreement or to make any investigation of
matters arising hereunder or to institute, conduct or defend any
litigation hereunder or in relation hereto at the request, order or
direction of any of the Certificateholders unless such
Certificateholders have offered to the Trustee reasonable security
or indemnity against the costs, expenses and liabilities which may
be incurred therein or thereby. 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 whatever by virtue
or by availing 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
10.03, each and every Certificateholder and the Trustee shall be
entitled to such relief as can be given either at law or in
equity.

For so
long as no Certificate Insurer Default has occurred and is
continuing (and whether or not any payments with respect to Insured
Amounts have been made), each Holder of a Class CB-15 Certificate
agrees that the Certificate Insurer shall be entitled to exercise
the voting, consent, directing and other control rights of the
Holders of the Class CB-15 Certificates without consent of such
Holders and the Holders of the Class CB-15 Certificates shall only
exercise such rights with the prior written consent of the
Certificate Insurer; provided that such rights may not be
used by the Certificate Insurer to reduce the rights of the Holders
of the Insured Certificates to receive distributions or to
otherwise impair their rights under this Agreement as further
described in the definition of
“Certificateholder.”

Section
10.04.    Access to List of Certificateholders. The
Certificate Registrar shall furnish or cause to be furnished to the
Trustee or the Certificate Insurer, as applicable, within 30 days
after receipt of a request by the Trustee or the Certificate
Insurer in writing, a list, in such form as the Trustee or the
Certificate Insurer may reasonably require, of the names and
addresses of the Certificateholders as of the most recent Record
Date for payment of distributions to such Certificateholders.

If
three or more Certificateholders (hereinafter referred to as
“applicants”) apply in writing to the Trustee,
and such application states that the applicants desire to
communicate with other Certificateholders with respect to their
rights under this Agreement or under the Certificates and is
accompanied by a copy of the communication which such applicants
propose to transmit, then the Trustee shall, within five Business
Days after the receipt of such list from the Certificate Registrar,
afford such applicants access during normal business hours to the
most recent list of Certificateholders held by the Trustee. If such
a list is as of a date more than 90 days prior to the date of
receipt of such applicants’ request, the Trustee shall
promptly request from the Certificate Registrar a current list as
provided above, and shall afford such applicants access to such
list promptly upon receipt.

Every
Certificateholder, by receiving and holding the same, agrees with
the Servicer, the Trust, the Trustee and the Delaware Trustee that
none of the Servicer, the Trust, the Trustee or the Delaware
Trustee shall be held accountable by reason of the disclosure of
any such information as to the names and addresses of the
Certificateholders hereunder, regardless of the source from which
such information was derived.

Section
10.05.    Governing Law. This Agreement shall be
construed in accordance with the laws of the State of Delaware
without giving effect to its conflict of laws provisions and the
obligations, rights and remedies of the parties hereunder shall be
determined in accordance with such laws without giving effect to
conflict of laws provisions.

Section
10.06.    Notices. All demands, notices and
communications hereunder shall be in writing and shall be deemed to
have been duly given if personally delivered at or mailed by
registered or certified mail or overnight courier to the applicable
Notice Address. Notices to the Rating Agencies shall also be deemed
to have been duly given if mailed by first class mail, postage
prepaid, to the above listed addresses of the Rating Agencies. Any
notice required or permitted to be mailed to a Certificateholder
shall be given by first class mail, postage prepaid, at the address
of such Holder as shown in the Certificate Register. Any notice so
mailed within the time prescribed in this Agreement shall be
conclusively presumed to have been duly given, whether or not the
Certificateholder receives such notice.

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

Section
10.08.    Counterpart Signatures. For the purpose of
facilitating the recordation of this Agreement as herein provided
and for other purposes, this Agreement may be executed
simultaneously in any number of counterparts, each of which
counterparts shall be deemed to be an original, and such
counterparts shall constitute but one and the same instrument.

Section
10.09.    Benefits of Agreement. Nothing in this
Agreement or in any Certificate, expressed or implied, shall give
to any Person, other than the parties hereto and their respective
successors hereunder, any separate trustee or co-trustee appointed
under Section 8.10 and the Certificateholders, any benefit or any
legal or equitable right, remedy or claim under this Agreement.

Section
10.10.    Notices and Copies to Rating Agencies and the Certificate
Insurer.

(a)        The
Trustee shall notify the Rating Agencies and the Certificate
Insurer of the occurrence of any of the following events, in the
manner provided in Section 10.06:

(i)                 
the occurrence of an Event of Default pursuant to Section 7.01,
subject to the provisions of Section 8.01(d); and

(ii)               
the appointment of a successor Servicer pursuant to Section
7.02;

(b)        The
Servicer shall notify the Rating Agencies and the Certificate
Insurer of the occurrence of any of the following events, or in the
case of clauses (iii), (iv), (vii) and (viii) promptly upon
receiving notice thereof, in the manner provided in Section
10.06:

(i)                 
any amendment of this Agreement pursuant to Section 10.01;

(ii)               
the appointment of a successor Trustee or successor Delaware
Trustee pursuant to Section 8.08;

(iii)              
the filing of any claim under or the cancellation or modification
of any fidelity bond and errors and omissions coverage pursuant to
Section 3.01 and Section 3.06 with respect to the Servicer;

(iv)             
any change in the location of the Certificate Account, any
Custodial Account for P&I or any Custodial Account for
Reserves;

(v)               
the purchase of any Mortgage Loan pursuant to a Purchase Obligation
or as permitted by this Agreement or the purchase of the
outstanding Mortgage Loans pursuant to Section 9.01;

(vi)             
the occurrence of the final Distribution Date or the termination of
the trust pursuant to Section 9.01(a)(ii);

(vii)            
the failure of the Servicer to make a Monthly P&I Advance
following a determination on the Determination Date that the
Servicer would make such advance pursuant to Section 4.02;
and

(viii)          
the failure of the Servicer to make a determination on the
Determination Date regarding whether it would make a Monthly
P&I Advance when a shortfall exists between (x) payments
scheduled to be received in respect of the Mortgage Loans and (y)
the amounts actually deposited in the Certificate Account on
account of such payments, pursuant to Section 4.02.

The Servicer shall provide copies of the
statements pursuant to Section 4.02, Section 4.06, Section 3.12,
Section 3.13 or Section 3.15 or any other statements or reports to
the Rating Agencies (with a copy to the Certificate Insurer) in
such time and manner that such statements or determinations are
required to be provided to Certificateholders. With respect to the
reports described in the second paragraph of Section 4.06, the
Servicer shall provide such reports to the Rating Agencies (with a
copy to the Certificate Insurer) in respect of each Distribution
Date, without regard to whether any Certificateholder or the
Trustee or the Delaware Trustee has requested such report for such
Distribution Date.

 

Section
10.11.    Certificate Insurer Rights.

(a)        All
notices, statements, reports, certificates or opinions required by
this Agreement to be sent by any Person to the Rating Agencies or
the Holders of the Class CB-15 Certificates shall also be sent at
such time to the Certificate Insurer.

(b)        The
Certificate Insurer shall be an express third party beneficiary of
this Agreement for the purpose of enforcing the provisions hereof
to the extent of the Certificate Insurer’s rights explicitly
specified herein as if a party hereto.

(c)        All
references herein to the ratings assigned to the Certificates shall
be without regard to the Certificate Insurance Policy.

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

 

	

WASHINGTON MUTUAL MORTGAGE SECURITIES
CORP.

	

By /s/ Thomas G. Lehmann

	

        Name:
Thomas G. Lehmann

         Title:  President

	

WASHINGTON MUTUAL BANK

as Servicer

	

By /s/ Barbara Loper

	

        Name: Barbara Loper

         Title: Vice President 

	
LASALLE BANK NATIONAL ASSOCIATION,

	

as Trustee

	

By: /s/ Stefanie Edwards

	

        Name: Stefanie Edwards

         Title: Assistant Vice President

	
CHRISTIANA BANK & TRUST COMPANY,

	

as Delaware
Trustee

	

By:  /s/ James M. Young

	

       
Name: James M. Young

         Title:  Assistant Vice President

 

[Signature page to Pooling and Servicing Agreement for WMALT Series 2005-4]

 

ACKNOWLEDGEMENT OF CORPORATION

STATE OF
WASHINGTON   )

                                                    )  SS.

COUNTY OF
KING                  )

I certify that I know or have satisfactory evidence that Thomas G.
Lehmann is the person who appeared before me, and said person acknowledged that
he signed this instrument, on oath stated that. he was authorized to execute the
instrument and acknowledged it as the President of WASHINGTON
MUTUAL MORTGAGE SECURITIES CORP., to be the free and voluntary act of such party for the uses and purposes mentioned
therein.

Dated this 24th day of May,
2005.

/s/ Chriselda Landon

Notary Public in and for the State of Washington,

residing at Seattle

My commission expires:  02-26-07

 

ACKNOWLEDGEMENT

STATE OF
WASHINGTON   )

                                                    )  SS.

COUNTY OF
KING                  )

 

            I
certify that I know or have satisfactory evidence that Barbara Loper is the
person who appeared before me, and said person acknowledged that she signed this
instrument, on oath stated that she was authorized to execute the instrument and
acknowledged it as a Vice President of Washington
Mutual Bank, to be the free and voluntary act of such party for the uses and
purposes mentioned therein.

Dated this 24th day of May,
2005.

/s/ Chriselda Landon

Notary Public in and for the State of Washington,

residing at Seattle

My commission expires:  02-26-07

 

 

STATE OF
ILLINOIS              )

                                                    )  SS.

COUNTY OF COOK               
)

 

On this 20th day of May 2005 before me,  a Notary Public in and for
said State, personally appeared Stefanie Edwards, personally known to me (or
proved to me on the basis of satisfactory evidence) to be the person(s) whose
name(s) is/are subscribed to the within instrument and acknowledged to me that
he/she/they executed the same in his/her/their authorized capacit(ies), and that
by his/her/their signature(s) on the instrument the person(s), or the entity
upon behalf of which the person(s) acted,
executed the  instrument.

WITNESS  my hand and
official seal.

Signature:  /s/ Megan K. Olson

Notary Public State of Illinois

My commission expires: 11/20/2005

(Seal)

 

 

ACKNOWLEDGEMENT

STATE OF DELAWARE         )

                                                     )  SS.

COUNTY OF NEWCASTLE    )

On this 20th day of May 2005 before me, a Notary Public in and for
said State, personally appeared James  Young, personally known to me (or proved to me on the basis of satisfactory
evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they
executed the same in his/her/their authorized capacit(ies), and that by his/her/their signature(s) on the instrument the person(s),
or the entity upon behalf of which the person(s) acted, executed the instrument.

WITNESS my hand and
official seal.

Signature /s/ Matthew C. Stepnowski

 

(SEAL)   Matthew C. Stepnowski

                               
Notary Public

                               
State of Delaware

                               
My Commission Expires Aug.  20, 2005

 

 

 

Appendix 1:  Definition of Class C-Y
Principal Reduction Amounts

 

Copies of Appendix 1 (which has been intentionally omitted
from this filing)  may be obtained from Washington Mutual
Mortgage Securities Corp. or LaSalle Bank National Association by
contacting:

 

	

 

	
      in the case of
Washington Mutual Mortgage Securities Corp.,

 

	

 

	
        Laura Kelsey

         Master Servicing
Department

         Washington Mutual
Mortgage Securities Corp.

         75 N. Fairway
Drive,VHF2A01

         Vernon Hills, IL
60061

         Telephone:
 (847) 393-5198

         Facsimile:    
(847) 549-2997

 

	

 

	
      in the case of LaSalle
Bank National Association,

 

	

 

	
        Stefanie
Edwards

         LaSalle Bank
National Association

         135 S. LaSalle
Street, Suite 2910

         Chicago, IL 
60603

         Telephone:  (312)
904-8975

         Facsimile:    (312)
904-2084

 

Schedule 1 – Exceptions to Section 2.08(iv)
Representations

1.        
As of the Cut-Off Date, one Group 1 Loan with the following loan
number was delinquent between 30 and 59 days:

           
Loan Number:  601565968.

2.        
As of the Cut-Off Date, two Group 1 Loans with the following loan
numbers were current but had been 30 days delinquent once during
the twelve months preceding the Cut-Off Date:

           
Loan Numbers:  601558577 and 601565995.

3.        
As of the Cut-Off Date, one Group 4 Loan with the following loan
number was delinquent between 30 and 59 days:

           
Loan Number:  601561604.

4.        
As of the Cut-Off Date, one Group 4 Loan with the following loan
number was current but had been 30 days delinquent once during the
twelve months preceding the Cut-Off Date:

           
Loan Number:  601557553.

5.        
As of the Cut-Off Date, two Group 5 Loans with the following loan
numbers were current but had been 30 days delinquent once during
the twelve months preceding the Cut-Off Date:

            Loan Numbers:  601550145 and
601537670.

6.        
As of the Cut-Off Date, one Group 5 Loan with the following loan
number was current but had been either (i) 30 days delinquent more
than once during the twelve months preceding the Cut-Off Date or
(ii) more than 30 days delinquent during the twelve months
preceding the Cut-Off Date:

           
Loan Number:  601530527.

 

Exhibit A

CUSIP 939336 5V 1

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-1

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended, together with certain
rights specified in the Pooling Agreement. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class CB-1 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$305,066,700.00

Class CB-1 Certificate Interest Rate:
Variable

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-1 Principal Balance

as of the Cut-Off Date: $305,066,700.00

Cede & Co.

Registered Owner

 

Exhibit
A

CUSIP 939336 5W 9

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-2

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

Series
2005-4                                                                                         
Portion of the Class CB-2 Notional Amount as of  the Cut-Off Date Evidenced
by this Certificate:

                                                                                                               
$305,066,700.00

Class CB-2 Certificate
Interest Rate:  Variable, applied to

the Class CB-2 Notional
Amount

 

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-2 Principal
Balance

 as of the Cut-Off Date: $0.00

Class CB-2 Notional Amount

as of the Cut-Off Date: $305,066,700.00

Cede & Co.

Registered Owner

 

Exhibit
A

CUSIP 939336 5X 7

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-3

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended, together with certain
rights specified in the Pooling Agreement. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

Series
2005-4                                                                                         
Portion of the Class CB-3 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$154,500,000.00

Class CB-3 Certificate Interest Rate:
Variable

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-3 Principal Balance

as of the Cut-Off Date: $154,500,000.00 

Cede & Co.

Registered Owner

 

Exhibit A

CUSIP 939336 5Y 5

 

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-4

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class CB-4 Notional Amount as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$154,500,000.00 

Class CB-4 Certificate
Interest Rate: Variable, applied to the Class CB-4 Notional
Amount

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-4 Principal
Balance

 as of the Cut-Off Date: $0.00

Class CB-4 Notional Amount

as of the Cut-Off Date: $154,500,000.00

Cede & Co.

Registered Owner

 

Exhibit A

CUSIP 939336 5Z 2

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-5

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

The Class
CB-5 Certificates will provide credit support to another Class of
Certificates, as described in the Pooling Agreement.

WMALT Series
2005-4                                                                         
Portion of the Class CB-5 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$3,880,300.00

Class CB-5 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-5 Principal Balance

as of the Cut-Off Date: $3,880,300.00

Cede & Co.

Registered Owner

 

Exhibit A

           
CUSIP 939336 6A 6

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-6

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

 

WMALT Series
2005-4                                                                         
Portion of the Class CB-6 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$500,000.00

Class CB-6 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-6 Principal Balance

as of the Cut-Off Date: $500,000.00

Cede & Co.

Registered Owner

 

 

 

 

Exhibit
A

CUSIP 939336 6B 4

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-7

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class CB-7 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$68,674,000.00

Class CB-7 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-7 Principal Balance

as of the Cut-Off Date: $68,674,000.00

Cede & Co.

Registered Owner

 

 

 

 

Exhibit A

CUSIP
939336 6C 2

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-8

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended, together with certain
rights specified in the Pooling Agreement.  The issue date of
this Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

The Class
CB-8 Certificates will provide credit support to another Class of
Certificates, as described in the Pooling Agreement.

WMALT Series
2005-4                                                                         
Portion of the Class CB-8 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$3,576,900.00

Class CB-8 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-8 Principal Balance

as of the Cut-Off Date: $3,576,900.00

Cede & Co.

Registered Owner

 

Exhibit A

CUSIP 939336 6D 0

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-9

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class CB-9 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$30,000,000.00

Class CB-9 Certificate
Interest Rate: Variable

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-9 Principal
Balance

as of the Cut-Off Date: $30,000,000.00

Cede & Co.

Registered Owner

 

Exhibit A

CUSIP 939336 6E 8

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-10

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class CB-10 Notional Amount as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$30,000,000.00

Class CB-10 Certificate
Interest Rate: Variable, applied to

the Class CB-10 Notional
Amount

 

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-10 Principal
Balance

as of the
Cut-off Date: $0.00

Class CB-10 Notional
Amount

as of the
Cut-off Date: $30,000,000.00

 

Cede & Co.

Registered Owner

 

 

Exhibit A

CUSIP 939336 6F 5

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-11

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

 

WMALT Series
2005-4                                                                         
Portion of the Class CB-11 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$32,615,000.00

Class CB-11 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-11 Principal Balance:
$32,615,000.00

Cede & Co.

Registered Owner

 

 

Exhibit A

CUSIP 939336 6G 3

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-12

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

The Class
CB-12 Certificates will provide credit support to another Class of
Certificates, as described in the Pooling Agreement.

WMALT Series
2005-4                                                                         
Portion of the Class CB-12 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$1,698,000.00

Class CB-12 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-12 Principal Balance:
$1,698,000.00

Cede & Co.

Registered Owner

 

Exhibit A

CUSIP 939336 6H 1

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-13

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class CB-13 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$107,250,000.00

Class CB-13 Certificate Interest Rate:
Variable

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-13 Principal Balance:
$107,250,000.00

Cede & Co.

Registered Owner

 

   

  Exhibit A

CUSIP 939336 6J 7

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-14

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

 

WMALT Series
2005-4                                                                         
Portion of the Class CB-14 Notional Amount as of  the Cut-Off Date
Evidenced by this Certificate:

                                                                                                               
$107,250,000.00

Class CB-14 Certificate
Interest Rate: Variable, applied to

the Class CB-14 Notional
Amount

 

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-14 Principal
Balance

 as of the Cut-Off Date: $0.00

Class CB-14 Notional Amount

as of the Cut-Off Date: $107,250,000.00

Cede & Co.

Registered Owner

Exhibit A

CUSIP 939336 6K 4

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-15

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class CB-15 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$14,725,000.00

Class CB-15 ertificate Interest Rate:
5.400%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-15 Principal Balance:
$14,725,000.00

Cede & Co.

Registered Owner

 

Exhibit A

CUSIP 939336 6L 2

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class CB-16

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class CB-16 Notional Amount as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$53,545.00

Class CB-16 Certificate
Interest Rate: 5.50%

 

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class CB-16 Principal
Balance

 as of the Cut-Off Date: $0.00

Class CB-16 Notional Amount

as of the Cut-Off Date: $53,545.00

Cede & Co.

Registered Owner

 

Exhibit A

CUSIP 939336 6M 0

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 2-CB

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class 2-CB Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$28,570,000.00

Class 2-CB Certificate Interest Rate:
5.000%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2020

Class 2-CB Principal Balance:
$28,570,000.00

Cede & Co.

Registered Owner

 

   

  

Exhibit A

CUSIP 939336 6N 8

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 3-CB

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class 3-CB Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$43,691,000.00

Class 3-CB Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2020

Class 3-CB Principal Balance:
$43,691,000.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 6P 3

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 4-A-1

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class 4-A-1 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$28,498,000.00

Class 4-A-1 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2020

Class 4-A-1 Principal Balance:
$28,498,000.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 6Q 1

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 4-A-2

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

The Class
4-A-2 Certificates will provide credit support to another Class of
Certificates, as described in the Pooling Agreement.

WMALT Series
2005-4                                                                         
Portion of the Class 4-A-2 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$1,484,000.00

Class 4-A-2 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2020

Class 4-A-2 Principal Balance:
$1,484,000.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 6R 9

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 5-A-1

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class 5-A-1 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$18,433,000.00

Class 5-A-1 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class 5-A-1 Principal Balance:
$18,433,000.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 6S 7

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 5-A-2

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class 5-A-2 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$15,500,000.00

Class 5-A-2 Certificate Interest Rate:
Variable

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class 5-A-2 Principal Balance:
$15,500,000.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 6T 5

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 5-A-3

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class 5-A-3 Notional Amount as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$15,500,000.00

Class 5-A-3 Certificate
Interest Rate: Variable, applied to

the Class 5-A-3 Notional
Amount

 

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class 5-A-3 Principal
Balance

 as of the Cut-Off Date: $0.00

Class 5-A-3 Notional Amount

as of the Cut-Off Date: $15,500,000.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 6U 2

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 5-A-4

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class 5-A-4 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$8,555,000.00

Class 5-A-4 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class 5-A-4 Principal Balance:
$8,555,000.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 6V 0

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 5-A-5

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class 5-A-5 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$36,000,000.00

Class 5-A-5 Certificate Interest Rate:
Variable

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class 5-A-5 Principal Balance:
$36,000,000.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 6W 8

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 5-A-6

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class 5-A-6 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$36,000,000.00

Class 5-A-6 Certificate
Interest Rate: Variable, applied to

the Class 5-A-6 Notional
Amount

 

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class 5-A-6 Principal
Balance

 as of the Cut-Off Date: $0.00

Class 5-A-6 Notional Amount

as of the Cut-Off Date: $36,000,000.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 6X 6

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 5-A-7

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class 5-A-7 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$108,199,000.00

Class 5-A-7 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class 5-A-7 Principal Balance:
$108,199,000.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 6Y 4

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 5-A-8

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class 5-A-8 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$5,841,000.00

Class 5-A-8 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class 5-A-8 Principal Balance:
$5,841,000.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 6Z 1

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 5-A-9

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

The Class
5-A-9 Certificates will provide credit support to another Class of
Certificates, as described in the Pooling Agreement.

WMALT Series
2005-4                                                                         
Portion of the Class 5-A-9 Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                               
$960,000.00

Class 5-A-9 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class 5-A-9 Principal Balance:
$960,000.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 7A 5

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class 5-A-10

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

The Class
5-A-10 Certificates will provide credit support to another Class of
Certificates, as described in the Pooling Agreement.

WMALT Series
2005-4                                                                         
Portion of the Class 5-A-10 Principal Balance as of the Cut-Off Date Evidenced
by this Certificate:

                                                                                                               
$445,000.00

Class 5-A-10 Certificate Interest Rate:
5.500%

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class 5-A-10 Principal Balance:
$445,000.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 7B 3

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class C-X

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class C-X Notional Amount as of the
Cut-Off Date Evidenced by this Certificate:

$32,170,450.00

Class C-X Certificate
Interest Rate: 5.500% applied to the Class C-X Notional
Amount

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2035

Class C-X Principal
Balance

as of the Cut-Off Date: $0.00

Class C-X Notional Amount

as of the Cut-Off Date: $32,170,450.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 7C 1

WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH CERTIFICATE

Class D-X

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless
this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation
(“DTC”), to the Company or its agent for registration
of transfer, exchange, or payment, and any Certificate issued is
registered in the name of Cede & Co. or such other name as is
requested by an authorized representative of DTC (and any payment
is made to Cede & Co. or to such other entity as is requested
by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR
OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL inasmuch as the registered owner hereof, Cede & Co.,
has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class D-X Notional Amount as of the
Cut-Off Date Evidenced by this Certificate:

$606,014.00

Class D-X Certificate
Interest Rate: 5.500% applied to the Class D-X Notional
Amount

Cut-Off Date: May 1,
2005

First Distribution Date: June
27, 2005

Last Scheduled Distribution
Date: June 25, 2020

Class D-X Principal
Balance

as of the Cut-Off Date: $0.00

Class D-X Notional Amount

as of the Cut-Off Date: $606,014.00

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 7D 9

 

WASHINGTON MUTUAL MORTGAGE PASS-THROUGH
CERTIFICATE

Class C-P

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This Certificate is issued by Washington Mutual
Mortgage Pass-Through Certificates WMALT Series 2005-4 Trust. 
This Certificate represents ownership of a “regular
interest” in a “real estate mortgage investment
conduit,” as those terms are defined in Sections 860G and
860D, respectively, of the Internal Revenue Code of 1986, as
amended. The issue date of this Certificate is May 25, 2005.
Interest is not payable with respect to this
Certificate.

Unless this Certificate is presented by an
authorized representative of The Depository Trust Company, a New
York corporation (“DTC”), to the Company or its agent
for registration of transfer, exchange, or payment, and any
Certificate issued is registered in the name of Cede & Co. or
such other name as is requested by an authorized representative of
DTC (and any payment is made to Cede & Co. or to such other
entity as is requested by an authorized representative of DTC), ANY
TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR
TO ANY PERSON IS WRONGFUL inasmuch as the registered owner hereof,
Cede & Co., has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class C-P Principal Balance as of  the Cut-Off Date
Evidenced by this Certificate:

                                                                                                            
$2,742,845.00

Class C-P Certificate Interest Rate: 0.00%                                           

Cut-Off Date: May 1, 2005

First Distribution Date: June 27,
2005

Last Scheduled Distribution Date: June 25,
2035

Class
C-P Principal Balance

as of the Cut-Off Date: $2,742,845.00

 

 

Cede & Co.

Registered Owner

   

  

Exhibit A

CUSIP 939336 7E 7

 

WASHINGTON MUTUAL MORTGAGE PASS-THROUGH
CERTIFICATE

Class D-P

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This Certificate is issued by Washington Mutual
Mortgage Pass-Through Certificates WMALT Series 2005-4 Trust. 
This Certificate represents ownership of a “regular
interest” in a “real estate mortgage investment
conduit,” as those terms are defined in Sections 860G and
860D, respectively, of the Internal Revenue Code of 1986, as
amended. The issue date of this Certificate is May 25, 2005.
Interest is not payable with respect to this
Certificate.

Unless this Certificate is presented by an
authorized representative of The Depository Trust Company, a New
York corporation (“DTC”), to the Company or its agent
for registration of transfer, exchange, or payment, and any
Certificate issued is registered in the name of Cede & Co. or
such other name as is requested by an authorized representative of
DTC (and any payment is made to Cede & Co. or to such other
entity as is requested by an authorized representative of DTC), ANY
TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR
TO ANY PERSON IS WRONGFUL inasmuch as the registered owner hereof,
Cede & Co., has an interest herein.

WMALT Series
2005-4                                                                         
Portion of the Class D-P Principal Balance as of the Cut-Off Date Evidenced by
this Certificate:

                                                                                                         
$2,019,462.00

Class D-P Certificate Interest Rate: 0.00%                                            

Cut-Off Date: May 1, 2005

First Distribution Date: June 27,
2005

Last Scheduled Distribution Date: June 25,
2020

Class
D-P Principal Balance

as of the Cut-Off Date: $2,019,462.00

 

Cede & Co.

Registered Owner

 

   

  

Exhibit
A

CUSIP 939336 7F 4

WASHINGTON MUTUAL MORTGAGE PASS-THROUGH
CERTIFICATE

Class B-1

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless this Certificate is presented by an
authorized representative of The Depository Trust Company, a New
York corporation (“DTC”), to the Company or its agent
for registration of transfer, exchange, or payment, and any
Certificate issued is registered in the name of Cede & Co. or
such other name as is requested by an authorized representative of
DTC (and any payment is made to Cede & Co. or to such other
entity as is requested by an authorized representative of DTC), ANY
TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR
TO ANY PERSON IS WRONGFUL inasmuch as the registered owner hereof,
Cede & Co., has an interest herein.

NO TRANSFER OF THIS CLASS B-1 CERTIFICATE
WILL BE MADE UNLESS THE TRUSTEE HAS RECEIVED (I) AN OFFICER’S
CERTIFICATE IN THE FORM DESCRIBED IN SECTION 5.01(g) OF THE POOLING
AGREEMENT AND (II) IF SO INDICATED IN SUCH OFFICER’S
CERTIFICATE, AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND
SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE COMPANY TO THE EFFECT
THAT THE PURCHASE AND HOLDING OF THIS CERTIFICATE ARE PERMISSIBLE
UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT
PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975
OF THE CODE, AND WILL NOT SUBJECT THE TRUST, THE TRUSTEE, THE
DELAWARE TRUSTEE, THE SERVICER OR THE COMPANY TO ANY OBLIGATION OR
LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER SECTION 406
OF ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE
UNDERTAKEN IN THE POOLING AGREEMENT, WHICH OPINION OF COUNSEL SHALL
NOT BE AN EXPENSE OF THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE,
THE SERVICER OR THE COMPANY.

NOTWITHSTANDING THE FOREGOING PARAGRAPH,
WITH RESPECT TO THE TRANSFER OF THIS CLASS B-1 CERTIFICATE TO DTC
OR ANY OTHER CLEARING AGENCY OR ANY SUBSEQUENT TRANSFER OF ANY
INTEREST IN THIS CERTIFICATE FOR SO LONG AS THIS CERTIFICATE IS
HELD BY DTC OR ANY OTHER CLEARING AGENCY, (I) AN OFFICER’S
CERTIFICATE (AND, IF APPLICABLE, A BENEFIT PLAN OPINION), AS
DESCRIBED IN THE FOREGOING PARAGRAPH, SHALL NOT BE REQUIRED, AND
(II) THE FOLLOWING CONDITIONS SHALL APPLY:

1.            
ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED TO HAVE
REPRESENTED, BY VIRTUE OF ITS ACQUISITION OR HOLDING OF THIS
CERTIFICATE (OR INTEREST HEREIN), THAT EITHER (A) SUCH TRANSFEREE
IS NOT AN EMPLOYEE BENEFIT OR OTHER PLAN SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF ERISA OR SECTION 4975 OF THE CODE, OR ANY
PERSON (INCLUDING AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A
TRUSTEE OF ANY SUCH PLAN) ACTING, DIRECTLY OR INDIRECTLY, ON BEHALF
OF OR PURCHASING THIS CERTIFICATE WITH “PLAN ASSETS” OF
ANY SUCH PLAN (A “PLAN INVESTOR”), (B) SUCH TRANSFEREE
IS AN INSURANCE COMPANY, THE SOURCE OF FUNDS TO BE USED BY IT TO
ACQUIRE OR HOLD THIS CERTIFICATE IS AN “INSURANCE COMPANY
GENERAL ACCOUNT” (WITHIN THE MEANING OF DEPARTMENT OF LABOR
PROHIBITED TRANSACTION CLASS EXEMPTION (“PTCE”) 95-60),
AND THE CONDITIONS IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN
SATISFIED (EACH ENTITY THAT SATISFIES THIS CLAUSE (B), A
“COMPLYING INSURANCE COMPANY”) OR (C) THIS CERTIFICATE
WAS RATED “BBB-” OR BETTER (OR ITS EQUIVALENT) BY AT
LEAST ONE OF THE RATING AGENCIES AT THE TIME OF SUCH
TRANSFEREE’S ACQUISITION OF THIS CERTIFICATE (OR INTEREST
HEREIN); AND

2.            
IF THIS CERTIFICATE (OR ANY INTEREST HEREIN) IS ACQUIRED OR HELD IN
VIOLATION OF THE PROVISIONS OF THE PRECEDING PARAGRAPH, THEN THE
LAST PRECEDING TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR,
(II) IS A COMPLYING INSURANCE COMPANY OR (III) ACQUIRED THIS
CERTIFICATE AT A TIME WHEN THIS CERTIFICATE WAS RATED
“BBB-” OR BETTER (OR ITS EQUIVALENT) BY AT LEAST ONE OF
THE RATING AGENCIES SHALL BE RESTORED, TO THE EXTENT PERMITTED BY
LAW, TO ALL RIGHTS AND OBLIGATIONS AS BENEFICIAL HOLDER THEREOF
RETROACTIVE TO THE DATE OF TRANSFER OF THIS CERTIFICATE BY SUCH
PRECEDING TRANSFEREE.  NEITHER THE TRUST NOR THE TRUSTEE SHALL
BE UNDER ANY LIABILITY TO ANY PERSON FOR MAKING ANY PAYMENTS DUE ON
THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.

ANY PURPORTED BENEFICIAL HOLDER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST HEREIN) WAS EFFECTED IN
VIOLATION OF THE RESTRICTIONS IN SECTION 5.01(g) OF THE POOLING
AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE COMPANY, THE
TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER, THE TRUST AND THE
UNDERWRITER FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS
OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH
ACQUISITION OR HOLDING.

The Class B-1 Certificates will be subordinate in
right of payment to and provide credit support to certain Classes
of Certificates, as described in the Pooling Agreement.

WMALT Series
2005-4                                                                         
Portion of the Class B-1 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

$24,254,000.00

Class B-1 Certificate
Interest Rate: Variable

Cut-Off Date: May 1, 2005

First Distribution Date: June 27, 2005

Last Scheduled Distribution Date: June 25,
2035

Class B-1 Principal Balance

as of the Cut-Off Date: $24,254,000.00

 

Cede & Co.

Registered Owner

 

   

  

Exhibit
A

CUSIP 939336 7G 2

WASHINGTON MUTUAL MORTGAGE PASS-THROUGH
CERTIFICATE

Class B-2

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless this Certificate is presented by an
authorized representative of The Depository Trust Company, a New
York corporation (“DTC”), to the Company or its agent
for registration of transfer, exchange, or payment, and any
Certificate issued is registered in the name of Cede & Co. or
such other name as is requested by an authorized representative of
DTC (and any payment is made to Cede & Co. or to such other
entity as is requested by an authorized representative of DTC), ANY
TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR
TO ANY PERSON IS WRONGFUL inasmuch as the registered owner hereof,
Cede & Co., has an interest herein.

NO TRANSFER OF THIS CLASS B-2 CERTIFICATE
WILL BE MADE UNLESS THE TRUSTEE HAS RECEIVED (I) AN OFFICER’S
CERTIFICATE IN THE FORM DESCRIBED IN SECTION 5.01(g) OF THE POOLING
AGREEMENT AND (II) IF SO INDICATED IN SUCH OFFICER’S
CERTIFICATE, AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND
SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE COMPANY TO THE EFFECT
THAT THE PURCHASE AND HOLDING OF THIS CERTIFICATE ARE PERMISSIBLE
UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT
PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975
OF THE CODE, AND WILL NOT SUBJECT THE TRUST, THE TRUSTEE, THE
DELAWARE TRUSTEE, THE SERVICER OR THE COMPANY TO ANY OBLIGATION OR
LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER SECTION 406
OF ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE
UNDERTAKEN IN THE POOLING AGREEMENT, WHICH OPINION OF COUNSEL SHALL
NOT BE AN EXPENSE OF THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE,
THE SERVICER OR THE COMPANY.

NOTWITHSTANDING THE FOREGOING PARAGRAPH,
WITH RESPECT TO THE TRANSFER OF THIS CLASS B-2 CERTIFICATE TO DTC
OR ANY OTHER CLEARING AGENCY OR ANY SUBSEQUENT TRANSFER OF ANY
INTEREST IN THIS CERTIFICATE FOR SO LONG AS THIS CERTIFICATE IS
HELD BY DTC OR ANY OTHER CLEARING AGENCY, (I) AN OFFICER’S
CERTIFICATE (AND, IF APPLICABLE, A BENEFIT PLAN OPINION), AS
DESCRIBED IN THE FOREGOING PARAGRAPH, SHALL NOT BE REQUIRED, AND
(II) THE FOLLOWING CONDITIONS SHALL APPLY:

1.            
ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED TO HAVE
REPRESENTED, BY VIRTUE OF ITS ACQUISITION OR HOLDING OF THIS
CERTIFICATE (OR INTEREST HEREIN), THAT EITHER (A) SUCH TRANSFEREE
IS NOT AN EMPLOYEE BENEFIT OR OTHER PLAN SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF ERISA OR SECTION 4975 OF THE CODE, OR ANY
PERSON (INCLUDING AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A
TRUSTEE OF ANY SUCH PLAN) ACTING, DIRECTLY OR INDIRECTLY, ON BEHALF
OF OR PURCHASING THIS CERTIFICATE WITH “PLAN ASSETS” OF
ANY SUCH PLAN (A “PLAN INVESTOR”), (B) SUCH TRANSFEREE
IS AN INSURANCE COMPANY, THE SOURCE OF FUNDS TO BE USED BY IT TO
ACQUIRE OR HOLD THIS CERTIFICATE IS AN “INSURANCE COMPANY
GENERAL ACCOUNT” (WITHIN THE MEANING OF DEPARTMENT OF LABOR
PROHIBITED TRANSACTION CLASS EXEMPTION (“PTCE”) 95-60),
AND THE CONDITIONS IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN
SATISFIED (EACH ENTITY THAT SATISFIES THIS CLAUSE (B), A
“COMPLYING INSURANCE COMPANY”) OR (C) THIS CERTIFICATE
WAS RATED “BBB-” OR BETTER (OR ITS EQUIVALENT) BY AT
LEAST ONE OF THE RATING AGENCIES AT THE TIME OF SUCH
TRANSFEREE’S ACQUISITION OF THIS CERTIFICATE (OR INTEREST
HEREIN); AND

2.            
IF THIS CERTIFICATE (OR ANY INTEREST HEREIN) IS ACQUIRED OR HELD IN
VIOLATION OF THE PROVISIONS OF THE PRECEDING PARAGRAPH, THEN THE
LAST PRECEDING TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR,
(II) IS A COMPLYING INSURANCE COMPANY OR (III) ACQUIRED THIS
CERTIFICATE AT A TIME WHEN THIS CERTIFICATE WAS RATED
“BBB-” OR BETTER (OR ITS EQUIVALENT) BY AT LEAST ONE OF
THE RATING AGENCIES SHALL BE RESTORED, TO THE EXTENT PERMITTED BY
LAW, TO ALL RIGHTS AND OBLIGATIONS AS BENEFICIAL HOLDER THEREOF
RETROACTIVE TO THE DATE OF TRANSFER OF THIS CERTIFICATE BY SUCH
PRECEDING TRANSFEREE.  NEITHER THE TRUST NOR THE TRUSTEE SHALL
BE UNDER ANY LIABILITY TO ANY PERSON FOR MAKING ANY PAYMENTS DUE ON
THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.

ANY PURPORTED BENEFICIAL HOLDER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST HEREIN) WAS EFFECTED IN
VIOLATION OF THE RESTRICTIONS IN SECTION 5.01(g) OF THE POOLING
AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE COMPANY, THE
TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER, THE TRUST AND THE
UNDERWRITER FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS
OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH
ACQUISITION OR HOLDING.

The Class B-2 Certificates will be subordinate in
right of payment to and provide credit support to certain Classes
of Certificates, as described in the Pooling Agreement.

WMALT Series
2005-4                                                                         
Portion of the Class B-2 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

$10,778,000.00

Class B-2 Certificate
Interest Rate: Variable

Cut-Off Date: May 1, 2005

First Distribution Date: June 27, 2005

Last Scheduled Distribution Date: June 25,
2035

Class B-2 Principal Balance

as of the Cut-Off Date: $10,778,000.00

 

Cede & Co.

Registered Owner

 

 

   

  

Exhibit
A

CUSIP 939336 7H 0

WASHINGTON MUTUAL MORTGAGE PASS-THROUGH
CERTIFICATE

Class B-3

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This
Certificate is issued by Washington Mutual Mortgage Pass-Through
Certificates WMALT Series 2005-4 Trust.  This Certificate
represents ownership of a “regular interest” in a
“real estate mortgage investment conduit,” as those
terms are defined in Sections 860G and 860D, respectively, of the
Internal Revenue Code of 1986, as amended. The issue date of this
Certificate is May 25, 2005.

Unless this Certificate is presented by an
authorized representative of The Depository Trust Company, a New
York corporation (“DTC”), to the Company or its agent
for registration of transfer, exchange, or payment, and any
Certificate issued is registered in the name of Cede & Co. or
such other name as is requested by an authorized representative of
DTC (and any payment is made to Cede & Co. or to such other
entity as is requested by an authorized representative of DTC), ANY
TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR
TO ANY PERSON IS WRONGFUL inasmuch as the registered owner hereof,
Cede & Co., has an interest herein.

NO TRANSFER OF THIS CLASS B-3 CERTIFICATE
WILL BE MADE UNLESS THE TRUSTEE HAS RECEIVED (I) AN OFFICER’S
CERTIFICATE IN THE FORM DESCRIBED IN SECTION 5.01(g) OF THE POOLING
AGREEMENT AND (II) IF SO INDICATED IN SUCH OFFICER’S
CERTIFICATE, AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND
SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE COMPANY TO THE EFFECT
THAT THE PURCHASE AND HOLDING OF THIS CERTIFICATE ARE PERMISSIBLE
UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT
PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975
OF THE CODE, AND WILL NOT SUBJECT THE TRUST, THE TRUSTEE, THE
DELAWARE TRUSTEE, THE SERVICER OR THE COMPANY TO ANY OBLIGATION OR
LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER SECTION 406
OF ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE
UNDERTAKEN IN THE POOLING AGREEMENT, WHICH OPINION OF COUNSEL SHALL
NOT BE AN EXPENSE OF THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE,
THE SERVICER OR THE COMPANY.

NOTWITHSTANDING THE FOREGOING PARAGRAPH,
WITH RESPECT TO THE TRANSFER OF THIS CLASS B-3 CERTIFICATE TO DTC
OR ANY OTHER CLEARING AGENCY OR ANY SUBSEQUENT TRANSFER OF ANY
INTEREST IN THIS CERTIFICATE FOR SO LONG AS THIS CERTIFICATE IS
HELD BY DTC OR ANY OTHER CLEARING AGENCY, (I) AN OFFICER’S
CERTIFICATE (AND, IF APPLICABLE, A BENEFIT PLAN OPINION), AS
DESCRIBED IN THE FOREGOING PARAGRAPH, SHALL NOT BE REQUIRED, AND
(II) THE FOLLOWING CONDITIONS SHALL APPLY:

1.            
ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED TO HAVE
REPRESENTED, BY VIRTUE OF ITS ACQUISITION OR HOLDING OF THIS
CERTIFICATE (OR INTEREST HEREIN), THAT EITHER (A) SUCH TRANSFEREE
IS NOT AN EMPLOYEE BENEFIT OR OTHER PLAN SUBJECT TO THE PROHIBITED
TRANSACTION PROVISIONS OF ERISA OR SECTION 4975 OF THE CODE, OR ANY
PERSON (INCLUDING AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A
TRUSTEE OF ANY SUCH PLAN) ACTING, DIRECTLY OR INDIRECTLY, ON BEHALF
OF OR PURCHASING THIS CERTIFICATE WITH “PLAN ASSETS” OF
ANY SUCH PLAN (A “PLAN INVESTOR”), (B) SUCH TRANSFEREE
IS AN INSURANCE COMPANY, THE SOURCE OF FUNDS TO BE USED BY IT TO
ACQUIRE OR HOLD THIS CERTIFICATE IS AN “INSURANCE COMPANY
GENERAL ACCOUNT” (WITHIN THE MEANING OF DEPARTMENT OF LABOR
PROHIBITED TRANSACTION CLASS EXEMPTION (“PTCE”) 95-60),
AND THE CONDITIONS IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN
SATISFIED (EACH ENTITY THAT SATISFIES THIS CLAUSE (B), A
“COMPLYING INSURANCE COMPANY”) OR (C) THIS CERTIFICATE
WAS RATED “BBB-” OR BETTER (OR ITS EQUIVALENT) BY AT
LEAST ONE OF THE RATING AGENCIES AT THE TIME OF SUCH
TRANSFEREE’S ACQUISITION OF THIS CERTIFICATE (OR INTEREST
HEREIN); AND

2.            
IF THIS CERTIFICATE (OR ANY INTEREST HEREIN) IS ACQUIRED OR HELD IN
VIOLATION OF THE PROVISIONS OF THE PRECEDING PARAGRAPH, THEN THE
LAST PRECEDING TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR,
(II) IS A COMPLYING INSURANCE COMPANY OR (III) ACQUIRED THIS
CERTIFICATE AT A TIME WHEN THIS CERTIFICATE WAS RATED
“BBB-” OR BETTER (OR ITS EQUIVALENT) BY AT LEAST ONE OF
THE RATING AGENCIES SHALL BE RESTORED, TO THE EXTENT PERMITTED BY
LAW, TO ALL RIGHTS AND OBLIGATIONS AS BENEFICIAL HOLDER THEREOF
RETROACTIVE TO THE DATE OF TRANSFER OF THIS CERTIFICATE BY SUCH
PRECEDING TRANSFEREE.  NEITHER THE TRUST NOR THE TRUSTEE SHALL
BE UNDER ANY LIABILITY TO ANY PERSON FOR MAKING ANY PAYMENTS DUE ON
THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.

ANY PURPORTED BENEFICIAL HOLDER WHOSE ACQUISITION
OR HOLDING OF THIS CERTIFICATE (OR INTEREST HEREIN) WAS EFFECTED IN
VIOLATION OF THE RESTRICTIONS IN SECTION 5.01(g) OF THE POOLING
AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE COMPANY, THE
TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER, THE TRUST AND THE
UNDERWRITER FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS
OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH
ACQUISITION OR HOLDING.

The Class B-3 Certificates will be subordinate in
right of payment to and provide credit support to certain Classes
of Certificates, as described in the Pooling Agreement.

WMALT Series
2005-4                                                                         
Portion of the Class B-3 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

$5,928,000.00

Class B-3 Certificate
Interest Rate: Variable

Cut-Off Date: May 1, 2005

First Distribution Date: June 27, 2005

Last Scheduled Distribution Date: June 25,
2035

Class B-3 Principal Balance

as of the Cut-Off Date: $5,928,000.00

 

Cede & Co.

Registered Owner

 

  

 

 Exhibit A

CUSIP 939336 7K 3

WASHINGTON MUTUAL MORTGAGE PASS-THROUGH
CERTIFICATE

Class
B-4

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This Certificate is issued by Washington Mutual
Mortgage Pass-Through Certificates WMALT Series 2005-4 Trust. 
This Certificate represents ownership of a “regular
interest” in a “real estate mortgage investment
conduit,” as those terms are defined in Sections 860G and
860D, respectively, of the Internal Revenue Code of 1986, as
amended. The issue date of this Certificate is May 25,
2005.

NO TRANSFER OF THIS CLASS B-4
CERTIFICATE WILL BE MADE UNLESS THE TRUSTEE HAS RECEIVED (I) AN
OFFICER’S CERTIFICATE IN THE FORM DESCRIBED IN SECTION
5.01(d) OF THE POOLING AGREEMENT AND (II) IF SO INDICATED IN SUCH
OFFICER’S CERTIFICATE, AN OPINION OF COUNSEL ACCEPTABLE TO
AND IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE
COMPANY TO THE EFFECT THAT THE PURCHASE AND HOLDING OF THIS
CERTIFICATE ARE PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT
CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER
SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE, AND WILL NOT
SUBJECT THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER
OR THE COMPANY TO ANY OBLIGATION OR LIABILITY (INCLUDING
OBLIGATIONS OR LIABILITIES UNDER SECTION 406 OF ERISA OR SECTION
4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING
AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE
TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE
COMPANY.

THE SECURITIES REPRESENTED BY THIS
CERTIFICATE HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF
1933. THESE SECURITIES MAY NOT BE OFFERED, SOLD, TRANSFERRED,
PLEDGED OR HYPOTHECATED IN THE ABSENCE OF REGISTRATION OR THE
AVAILABILITY OF AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES
ACT OF 1933 AND EXCEPT IN ACCORDANCE WITH SECTION 5.01(e) OF THE
POOLING AGREEMENT.

The Class B-4 Certificates will be subordinate in
right of payment to and provide credit support to certain Classes
of Certificates, as described in the Pooling Agreement.

WMALT Series
2005-4                                                                         
Portion of the Class B-4 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

$5,928,000.00

Class B-4 Certificate Interest
Rate: Variable

Cut-Off Date: May 1,
2005

First Distribution Date: June 27,
2005

Last Scheduled Distribution Date:
June 25, 2035

Class B-4 Principal Balance

as of the Cut-Off Date:
$5,928,000.00

Hare & Co.

Registered Owner

 

 

                                                                                                         

   

  

Exhibit
A

CUSIP 939336 7L 1

WASHINGTON MUTUAL MORTGAGE PASS-THROUGH
CERTIFICATE

Class
B-5

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This Certificate is issued by Washington Mutual
Mortgage Pass-Through Certificates WMALT Series 2005-4 Trust. 
This Certificate represents ownership of a “regular
interest” in a “real estate mortgage investment
conduit,” as those terms are defined in Sections 860G and
860D, respectively, of the Internal Revenue Code of 1986, as
amended. The issue date of this Certificate is May 25,
2005.

NO TRANSFER OF THIS CLASS B-5
CERTIFICATE WILL BE MADE UNLESS THE TRUSTEE HAS RECEIVED (I) AN
OFFICER’S CERTIFICATE IN THE FORM DESCRIBED IN SECTION
5.01(d) OF THE POOLING AGREEMENT AND (II) IF SO INDICATED IN SUCH
OFFICER’S CERTIFICATE, AN OPINION OF COUNSEL ACCEPTABLE TO
AND IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE
COMPANY TO THE EFFECT THAT THE PURCHASE AND HOLDING OF THIS
CERTIFICATE ARE PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT
CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER
SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE, AND WILL NOT
SUBJECT THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER
OR THE COMPANY TO ANY OBLIGATION OR LIABILITY (INCLUDING
OBLIGATIONS OR LIABILITIES UNDER SECTION 406 OF ERISA OR SECTION
4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING
AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE
TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE
COMPANY.

THE SECURITIES REPRESENTED BY THIS
CERTIFICATE HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF
1933. THESE SECURITIES MAY NOT BE OFFERED, SOLD, TRANSFERRED,
PLEDGED OR HYPOTHECATED IN THE ABSENCE OF REGISTRATION OR THE
AVAILABILITY OF AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES
ACT OF 1933 AND EXCEPT IN ACCORDANCE WITH SECTION 5.01(e) OF THE
POOLING AGREEMENT.

The Class B-5 Certificates will be subordinate in
right of payment to and provide credit support to certain Classes
of Certificates, as described in the Pooling Agreement.

WMALT Series
2005-4                                                                         
Portion of the Class B-5 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

$4,311,000.00

Class B-5 Certificate Interest
Rate: Variable

Cut-Off Date: May 1,
2005

First Distribution Date: June 27,
2005

Last Scheduled Distribution Date:
June 25, 2035

Class B-5 Principal Balance

as of the Cut-Off Date:
$4,311,000.00

Hare & Co.

Registered Owner

 

    

                                                                                                         

 

   

  

Exhibit
A

CUSIP 939336 7M 9

WASHINGTON MUTUAL MORTGAGE PASS-THROUGH
CERTIFICATE

Class
B-6

Evidencing
a beneficial interest in a pool of assets consisting of beneficial
interests in another pool of assets consisting of, among other
things, conventional one- to four-family mortgage loans formed
by

WASHINGTON MUTUAL MORTGAGE
SECURITIES CORP.

This Certificate is issued by Washington Mutual
Mortgage Pass-Through Certificates WMALT Series 2005-4 Trust. 
This Certificate represents ownership of a “regular
interest” in a “real estate mortgage investment
conduit,” as those terms are defined in Sections 860G and
860D, respectively, of the Internal Revenue Code of 1986, as
amended. The issue date of this Certificate is May 25,
2005.

NO TRANSFER OF THIS CLASS B-6
CERTIFICATE WILL BE MADE UNLESS THE TRUSTEE HAS RECEIVED (I) AN
OFFICER’S CERTIFICATE IN THE FORM DESCRIBED IN SECTION
5.01(d) OF THE POOLING AGREEMENT AND (II) IF SO INDICATED IN SUCH
OFFICER’S CERTIFICATE, AN OPINION OF COUNSEL ACCEPTABLE TO
AND IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE
COMPANY TO THE EFFECT THAT THE PURCHASE AND HOLDING OF THIS
CERTIFICATE ARE PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT
CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER
SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE, AND WILL NOT
SUBJECT THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER
OR THE COMPANY TO ANY OBLIGATION OR LIABILITY (INCLUDING
OBLIGATIONS OR LIABILITIES UNDER SECTION 406 OF ERISA OR SECTION
4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING
AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE
TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE
COMPANY.

THE SECURITIES REPRESENTED BY THIS
CERTIFICATE HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF
1933. THESE SECURITIES MAY NOT BE OFFERED, SOLD, TRANSFERRED,
PLEDGED OR HYPOTHECATED IN THE ABSENCE OF REGISTRATION OR THE
AVAILABILITY OF AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES
ACT OF 1933 AND EXCEPT IN ACCORDANCE WITH SECTION 5.01(e) OF THE
POOLING AGREEMENT.

The Class B-6 Certificates will be subordinate in
right of payment to and provide credit support to certain Classes
of Certificates, as described in the Pooling Agreement.

WMALT Series
2005-4                                                                         
Portion of the Class B-6 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

$3,235,832.00

 

Class B-6 Certificate Interest
Rate:Variable

Cut-Off Date: May 1,
2005

First Distribution Date: June 27,
2005

Last Scheduled Distribution Date:
June 25, 2035

Class B-6 Principal Balance

as of the Cut-Off Date:
$3,235,832.00

Hare & Co.

Registered Owner

 

 

Exhibit
B

CUSIP 939336 7J 6

WASHINGTON MUTUAL MORTGAGE PASS-THROUGH
CERTIFICATE

Class
R

Evidencing a Percentage Interest in certain
distributions with respect to a pool of conventional one- to
four-family mortgage loans formed by

WASHINGTON MUTUAL MORTGAGE SECURITIES
CORP.

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

IN THE CASE OF ANY CLASS R CERTIFICATE PRESENTED
FOR REGISTRATION IN THE NAME OF ANY PERSON, THE TRUSTEE SHALL
REQUIRE (I) AN OFFICER’S CERTIFICATE IN THE FORM DESCRIBED IN
SECTION 5.01(d) OF THE POOLING AGREEMENT AND (II) IF SO INDICATED
IN SUCH OFFICER’S CERTIFICATE, AN OPINION OF COUNSEL
ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE
AND THE COMPANY TO THE EFFECT THAT THE PURCHASE AND HOLDING OF A
CLASS R CERTIFICATE ARE PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT
CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER
SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974,
AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE AND
WILL NOT SUBJECT THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE
SERVICER OR THE COMPANY TO ANY OBLIGATION OR LIABILITY (INCLUDING
OBLIGATIONS OR LIABILITIES UNDER SECTION 406 OF ERISA OR SECTION
4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING
AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE
TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE
COMPANY.

This Certificate is issued by Washington Mutual
Mortgage Pass-Through Certificates WMALT Series 2005-4 Trust. 
Solely for U.S. federal income tax purposes, this Certificate
represents “residual interests” in “real estate
mortgage investment conduits,” as those terms are defined in
Sections 860G and 860D, respectively, of the Internal Revenue Code
of 1986, as amended.

Series
2005-4                                                                                         
Percentage Interest evidenced by this Class R Certificate in the
distributions to be made with respect to the Class R Certificates:
________%

Class R Certificate Interest
Rate: 5.500%.  Additionally the Class R Certificates are
entitled to Excess Liquidation Proceeds and the Residual
Distribution Amount as defined in the Pooling Agreement.

Cut-Off Date: May 1,
2005

First Distribution Date: June 27,
2005

Last Scheduled Distribution Date:
June 25, 2035

Class R Principal Balance as of the
Cut-Off Date: $100.00

__________________

Registered Owner

Certificate No.
_________

 

This Certificate does not represent an
obligation of or interest in Washington Mutual Mortgage Securities
Corp. or any of its affiliates. Neither this Certificate nor the
underlying Mortgage Loans are guaranteed by any agency or
instrumentality of the United States.

This certifies that the above-named
Registered Owner is the registered owner of certain interests in
(i) a pool of assets (“REMIC I”) consisting of, among
other things, conventional one- to four-family mortgage loans (the
“Mortgage Loans”), formed by Washington Mutual Mortgage
Securities Corp. (the “Company”), which term includes
any successor entity under the Pooling Agreement referred to below
(ii) a pool of assets (“REMIC II”) consisting of
interests in REMIC I and (iii) a pool of assets (“REMIC
III”) consisting of interests in REMIC I and REMIC II. REMIC
I, REMIC II and REMIC III were created pursuant to a Pooling and
Servicing Agreement, dated as of the Cut-Off Date stated above (the
“Pooling Agreement”), among the Company, the Servicer,
LaSalle Bank National Association, as Trustee (the
“Trustee”), and Christiana Bank & Trust Company, as
Delaware 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
Pooling Agreement. Nothing herein shall be deemed inconsistent with
such meanings, and in the event of any conflict between the Pooling
Agreement and the terms of this Certificate, the Pooling Agreement
shall control. This Certificate is issued under and is subject to
the terms, provisions and conditions of the Pooling Agreement, to
which Pooling Agreement the Holder of this Certificate, by virtue
of the acceptance hereof, assents and by which such Holder is
bound.

Distributions will be made, pursuant to
the Pooling Agreement, on the 25th day of each month or, if such
25th day is not a Business Day, the Business Day immediately
following (the “Distribution Date”), commencing on the
first Distribution Date specified above, to the Person in whose
name this Certificate is registered at the close of business on the
last day (or if such last day is not a Business Day, the Business
Day immediately preceding such last day) of the month immediately
preceding the month of such distribution (the “Record
Date”), to the extent of such Certificateholder's Percentage
Interest represented by this Certificate in the portions (if any)
then distributable on the Certificates of this Class of (i) the
REMIC I Available Distribution Amount for such Distribution Date,
as specified in Section 4.01 of the Pooling Agreement, (ii) the
REMIC II Available Distribution Amount for such Distribution Date,
as specified in Section 4.04 of the Pooling Agreement and (iii) the
REMIC III Available Distribution Amount for such Distribution Date,
as specified in Section 4.05 of the Pooling Agreement.

Distributions on this Certificate will
be made by the Trustee by wire transfer or check mailed to the
address of the Person entitled thereto, as such name and address
shall appear on the Certificate Register. Notwithstanding the
above, the final distribution on this Certificate will be made
after due notice by the Trustee of the pendency of such
distribution and only upon presentation and surrender of this
Certificate to the Certificate Registrar.

Reference is hereby made to the further
provisions of this Certificate set forth below, which further
provisions shall for all purposes have the same effect as if set
forth at this place.

Unless the certificate of authentication
hereon has been executed by or on behalf of the Trustee, by manual
signature, this Certificate shall not be entitled to any benefit
under the Pooling Agreement or be valid for any purpose.

 

IN WITNESS WHEREOF, the Trust has caused
this Certificate to be duly executed.

WASHINGTON MUTUAL MORTGAGE PASS-THROUGH
CERTIFICATES WMALT SERIES 2005-4 TRUST

 

By:    LASALLE BANK NATIONAL
ASSOCIATION, as Trustee

 

By:
                                                                          

 

(TRUSTEE'S CERTIFICATE OF
AUTHENTICATION)

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

LASALLE BANK NATIONAL ASSOCIATION,

as Trustee

 

By:
                                                     

Dated:
                                                

 

 

WASHINGTON MUTUAL MORTGAGE PASS-THROUGH
CERTIFICATE

This
Certificate is one of a duly authorized issue of Certificates
designated as Washington Mutual Mortgage Pass-Through Certificates
of the Series and Class specified hereon (herein called the
“Certificates”) and representing certain interests in
REMIC I, REMIC II and REMIC III.

The
Certificates do not represent an obligation of, or an interest in,
the Company or any of its affiliates and are not insured or
guaranteed by any governmental agency. 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 Pooling Agreement. In the event funds are
advanced with respect to any Mortgage Loan, such advance is
reimbursable to the Servicer from the related recoveries on such
Mortgage Loan or from other cash deposited in the Certificate
Account to the extent that such advance is not otherwise
recoverable.

As
provided in the Pooling Agreement, withdrawals from the Certificate
Account may be made from time to time for purposes other than
distributions to Certificateholders, such purposes including
reimbursement to the Servicer of advances made, or certain expenses
incurred, by it.

The
Pooling Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights
and obligations of the Company and the rights of the
Certificateholders under the Pooling Agreement at any time by the
Company, the Servicer and the Trustee with the consent of the
Holders of the Certificates evidencing Percentage Interests
aggregating not less than 66% of REMIC II. The Pooling 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 Pooling 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 of the
Certificate Registrar or the office maintained by the Trustee in
the City and State of New York, duly endorsed by, or accompanied by
an assignment in the form below or other written instrument of
transfer in form satisfactory to the Trustee or any Authenticating
Agent duly executed by, the Holder hereof or such Holder's attorney
duly authorized in writing, and thereupon one or more new
Certificates of Authorized Denominations evidencing the same
Percentage Interest set forth hereinabove will be issued to the
designated transferee or transferees.

The
Certificates are issuable only as registered Certificates without
coupons in Authorized Denominations specified in the Pooling
Agreement. As provided in the Pooling Agreement and subject to
certain limitations therein set forth, Certificates are
exchangeable for new Certificates of Authorized Denominations of
like Certificate Principal Balance or Percentage Interest, as
applicable, as requested by the Holder surrendering the
same.

A
reasonable service charge may be made for any such registration of
transfer or exchange, and the Trustee may require payment of a sum
sufficient to cover any tax or other governmental charge payable in
connection therewith.

The
Company, the Servicer, the Trustee and the Certificate Registrar
and any agent of the Company, the Servicer, the Trustee or the
Certificate Registrar may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and
neither the Company, the Servicer, the Trustee, the Certificate
Registrar nor any such agent shall be affected by notice to the
contrary.

The
obligations created by the Pooling Agreement and the Trust created
thereby shall terminate upon (i) the later of the maturity or other
liquidation (including purchase by the Servicer) of the last
Mortgage Loan remaining in the Trust or the disposition of all
property acquired upon foreclosure or deed in lieu of foreclosure
of any Mortgage Loan, and (ii) the payment to Certificateholders of
all amounts held by the Trustee and required to be paid to them
pursuant to the Pooling Agreement. In the event that the Company or
the Servicer purchases any Mortgage Loan pursuant to the Pooling
Agreement, the Pooling Agreement generally requires that the
Trustee distribute to the Certificateholders in the aggregate an
amount equal to 100% of the unpaid Principal Balance of such
Mortgage Loan, plus unpaid accrued interest thereon at the
applicable Pass-Through Rate to the last day of the month in which
such purchase occurs. The Pooling Agreement permits, but does not
require, the Servicer to purchase from the Trust all Mortgage Loans
at the time subject thereto and all property acquired in respect of
any Mortgage Loan upon payment to the Certificateholders of the
amounts specified in the Pooling Agreement. The exercise of such
right will effect early retirement of the Certificates, the
Servicer’s right to purchase being subject to the aggregate
Principal Balance of the Mortgage Loans at the time of purchase
being less than the Clean-Up Call Percentage of the aggregate
Principal Balance of the Mortgage Loans as of the Cut-Off
Date.

 

ASSIGNMENT

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

                                                                                                                                                                                                                     

                                                                                                                                                                                                                     

(Please print or typewrite name and address, including postal
zip code of assignee. Please insert social security or other identifying number of assignee.)

the within Washington Mutual Mortgage
Pass-Through Certificate and hereby irrevocably constitutes and appoints

                                                                                                                                                                                                                     

Attorney to transfer said Certificate on the
Certificate Register, with full power of substitution in the premises.

 

  	
      Dated:__________________________________________	
      _____________________________________
	 	
      Signature Guaranteed
	 	 
	 	
      _____________________________________
	 	
NOTICE:    The signature to this assignment must correspond with the name as written upon the face of the
within instrument in every particular, without alteration or enlargement or any change whatever.  This Certificate does not
represent an obligation of or an interest in Washington Mutual Mortgage Securities Corp. or any of its affiliates.  Neither
this Certificate nor the underlying Mortgage Loans are guaranteed by any agency or instrumentality of the United States.

 

Exhibit
C

ANTI-PREDATORY LENDING CATEGORIZATION

I.             
High-Cost Loan Categorization

                                                                               
                                                       

	

State/Jurisdiction

	

Name of Anti-Predatory Lending

Law/Effective Date

	

Category under Applicable

Anti-Predatory Lending Law

	
Arkansas

	

Arkansas Home Loan Protection Act, Ark. Code Ann. §§ 23-53-101 et
seq.

Effective July 16, 2003

	
High
Cost Home Loan

	
Cleveland Heights, OH

	

Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

Effective June 2, 2003

	
Covered
Loan

	
Colorado

	

Consumer Equity Protection, Colo. Stat. Ann.
§§ 5-3.5-101 et seq.

Effective for covered loans offered or entered
into on or after January 1, 2003. Other provisions of the Act took
effect on June 7, 2002

	
Covered
Loan

	
Connecticut

	

Connecticut Abusive Home Loan Lending Practices
Act, Conn. Gen. Stat. §§ 36a-746
et seq.

Effective October 1, 2001

	
High
Cost Home Loan

	
District
of Columbia

	

Home Loan Protection Act, D.C. Code §§
26-1151.01 et seq.

Effective for loans closed on or after January
28, 2003

	
Covered
Loan

	
Florida

	

Fair Lending Act, Fla. Stat. Ann. §§ 494.0078 et
seq.

Effective October 2, 2002

	
High
Cost Home Loan

	
Georgia
(Oct 1, 2002 – Mar 6, 2003)

	

Georgia Fair Lending Act, Ga. Code Ann. §§ 7-6A-1 et seq.

Effective October 1, 2002 – March 6,
2003

	
High
Cost Home Loan

	
Georgia
as amended (Mar 7, 2003 – current)

	

Georgia Fair Lending Act, Ga. Code Ann. §§ 7-6A-1 et seq.

Effective for loans closed on or after March 7,
2003

	
High
Cost Home Loan

	
HOEPA
Section 32

	

Home Ownership and Equity Protection Act of 1994,
15 U.S.C. § 1639, 12 C.F.R. §§ 226.32 and
226.34

Effective October 1, 1995, amendments October 1,
2002

	
High
Cost Loan

	
Illinois

	

High Risk Home Loan Act, Ill. Comp. Stat. tit. 815, §§ 137/5 et
seq.

Effective January 1, 2004 (prior to this date,
regulations under Residential Mortgage License Act effective from
May 14, 2001)

	
High
Risk Home Loan

	

Indiana

	

Indiana Home Loan Practices Act, Ind. Code Ann. §§ 24-9-1-1 et
seq.

Effective for loans originated on or after
January 1, 2005.

	

High Cost Home Loan

	
Kansas

	

Consumer Credit Code, Kan. Stat. Ann. §§ 16a-1-101 et
seq.

Sections 16a-1-301 and 16a-3-207 became effective
April 14, 1999; Section 16a-3-308a became effective July 1,
1999

	
High
Loan to Value Consumer Loan (id. § 16a-3-207) and;

 

High APR
Consumer Loan (id. § 16a-3-308a)

 

	
Kentucky

	

2003 KY H.B. 287 – High Cost Home Loan Act,
Ky. Rev. Stat. §§ 360.100 et
seq.

Effective June 24, 2003

	
High
Cost Home Loan

	
Maine

	

Truth in Lending, Me. Rev. Stat. tit. 9-A,
§§ 8-101 et seq.

Effective September 29, 1995 and as amended from
time to time

	
High
Rate High Fee Mortgage

	
Massachusetts

	

Part 40 and Part 32, 209 C.M.R. §§
32.00 et seq. and 209 C.M.R. §§ 40.01
et seq.

Effective March 22, 2001 and amended from time to
time

	
High
Cost Home Loan

	
Nevada

	

Assembly Bill No. 284, Nev. Rev. Stat. §§ 598D.010 et
seq.

Effective October 1, 2003

	
Home
Loan

	
New
Jersey

	

New Jersey Home Ownership Security Act of 2002,
N.J. Rev. Stat. §§ 46:10B-22
et seq.

Effective for loans closed on or after November
27, 2003

	
High
Cost Home Loan

	
New
Mexico

	

Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et
seq.

Effective as of January 1, 2004; Revised as of
February 26, 2004

	
High
Cost Home Loan

	
New
York

	

N.Y. Banking Law Article 6-l

Effective for applications made on or after April
1, 2003

	
High
Cost Home Loan

	
North
Carolina

	

Restrictions and Limitations on High Cost Home
Loans, N.C. Gen. Stat. §§ 24-1.1E
et seq.

Effective July 1, 2000; amended October 1, 2003
(adding open-end lines of credit)

	
High
Cost Home Loan

	
Ohio

	

H.B. 386 (codified in various sections of the
Ohio Code), Ohio Rev. Code Ann. §§ 1349.25 et
seq.

Effective May 24, 2002

	
Covered
Loan

	
Oklahoma

	

Consumer Credit Code (codified in various
sections of Title 14A)

Effective July 1, 2000; amended effective January
1, 2004

	
Subsection 10 Mortgage

	
South
Carolina

	

South Carolina High Cost and Consumer Home Loans
Act, S.C. Code Ann. §§ 37-23-10 et
seq.

Effective for loans taken on or after January 1,
2004

	
High
Cost Home Loan

	
West
Virginia

	

West Virginia Residential Mortgage Lender, Broker
and Servicer Act, W. Va. Code Ann.
§§ 31-17-1 et seq.

Effective June 5, 2002

	
West
Virginia Mortgage Loan Act Loan

 

II.
          
Covered Loan Categorization

                                                                               
    
          
    

	

State/Jurisdiction

	

Name of Anti-Predatory Lending

Law/Effective Date

	

Category under Applicable

Anti-Predatory Lending Law

	
Georgia
(Oct 1, 2002 – Mar 6, 2003)

	

Georgia Fair Lending Act, Ga. Code Ann. §§ 7-6A-1 et seq.

Effective October 1, 2002 – March 6,
2003

	
Covered
Loan

	
New
Jersey

	

New Jersey Home Ownership Security Act of 2002,
N.J. Rev. Stat. §§ 46:10B-22
et seq.

Effective November 27, 2003 – July 5,
2004

	
Covered
Home Loan

 

Exhibit
D

Mortgage Loan Schedule

 

 

	

 

	
        The Mortgage Loan Schedule,
included as Exhibit D to the Pooling and Servicing Agreement, has been intentionally omitted from this filing.  Copies may be
obtained from Washington Mutual Mortgage Securities Corp. or LaSalle Bank National Association by contacting,:

 

	

 

	
      in the case of Washington Mutual
Mortgage Securities Corp.,

 

	

 

	
        Laura Kelsey

         Master Servicing Department

         Washington Mutual Mortgage Securities Corp.

         75 N. Fairway Drive,VHF2A01

         Vernon Hills, IL 60061

         Telephone:  (847) 393-5198

         Facsimile:     (847) 549-2997

 

	

 

	
      in the case of LaSalle Bank National
Association,

 

	

 

	
        Stefanie Edwards

         LaSalle Bank National Association

         135 S. LaSalle Street, Suite 1625

         Chicago, IL  60603

         Telephone:  (312) 904-8975

         Facsimile:    (312) 904-2084

 

 

 

 

Exhibit E

[Reserved]

 

 

 

Exhibit F

FORM OF TRANSFEROR CERTIFICATE
FOR

JUNIOR SUBORDINATE
CERTIFICATES

 

[Date]

LaSalle Bank National Association, as
Trustee

135 South LaSalle Street, Suite 1625

Chicago, Illinois, 60603

Attention: Global Securitization Trust
Services

 

Re:       Purchase
of Washington Mutual Mortgage Pass-Through Certificates, WMALT
Series 2005-4, Class [   ]  (the
“Certificates”)

Ladies and Gentlemen:

In connection with our disposition of
the above Certificates we certify that (a) we understand the
Certificates have not been registered under the Securities Act of
1933, as amended (the “Act”) and are being disposed by
us in a transaction that is exempt from the registration
requirements of the Act, and (b) we have not offered or sold any
certificates to, or solicited offers to buy any Certificates from,
any person, or otherwise approached or negotiated with any person
with respect thereto, or taken any other action which would result
in a violation of Section 5 of the Act.

 

Very truly yours,

[Name of Transferor]

 

By:                                                      

                  
Authorized Officer

 

Exhibit G

FORM OF TRANSFEREE'S AGREEMENT
FOR

JUNIOR
SUBORDINATE CERTIFICATES

[Date]

LaSalle Bank National Association, as
Trustee

135 South LaSalle Street, Suite 1625

Chicago, Illinois, 60603

Attention: Global Securitization Trust
Services

Washington Mutual Mortgage Securities
Corp.

75 N. Fairway Drive

Vernon Hills, Illinois  60061

 

The undersigned (the
“Purchaser”) proposes to purchase Washington Mutual
Mortgage Pass-Through Certificates, Series 2005-4, Class
[   ] (the “Purchased Certificates”) in the
principal amount of $______________. In doing so, the Purchaser
hereby acknowledges and agrees as follows:

Section 1. Definitions. Each capitalized
term used herein and not otherwise defined herein shall have the
meaning ascribed to it in the Pooling and Servicing Agreement,
dated as of May 1, 2005 (the “Pooling Agreement”), by
and among Washington Mutual Mortgage Securities Corp.
(“Washington Mutual”), Washington Mutual Bank, FA (the
"Servicer"), LaSalle Bank National Association, as trustee (the
“Trustee”), and Christiana Bank & Trust Company, as
Delaware trustee, of the Washington Mutual Mortgage Pass-Through
Certificates, WMALT Series 2005-4.

Section 2. Representations and
Warranties of the Purchaser. In connection with the proposed
transfer, the Purchaser represents and warrants to Washington
Mutual, the Servicer, the Trustee and the Trust that:

(a)        The
Purchaser is duly organized, validly existing and in good standing
under the laws of the jurisdiction in which the Purchaser is
organized, is authorized to invest in the Purchased Certificates,
and to enter into this Agreement, and duly executed and delivered
this Agreement;

(b)        The
Purchaser is acquiring the Purchased Certificates for its own
account as principal and not with a view to the distribution
thereof, in whole or in part;

(c)        The
Purchaser is an “accredited investor” as such term is
defined in paragraph (a)(1), (a)(2), (a)(3), (a)(7) or (a)(8) of
Section 501 of Regulation D under the Securities Act of 1933, as
amended (the “Act”), has knowledge of financial and
business matters and is capable of evaluating the merits and risks
of an investment in the Purchased Certificates; the Purchaser has
sought such accounting, legal and tax advice as it has considered
necessary to make an informed investment decision; and the
Purchaser is able to bear the economic risk of an investment in the
Purchased Certificates and can afford a complete loss of such
investment;

(d)        The
Purchaser is not affiliated with the Trustee;

(e)        The
Purchaser confirms that Washington Mutual has made available to the
Purchaser the opportunity to ask questions of, and receive answers
from Washington Mutual concerning the trust created pursuant to the
Pooling Agreement (the “Trust”), the purchase by the
Purchaser of the Purchased Certificates and all matters relating
thereto that Washington Mutual possesses or can acquire without
unreasonable effort or expense; and

(f)        If
applicable, the Purchaser has complied, and will continue to
comply, with the guidelines established by Thrift Bulletin 13a
issued April 23, 1998, by the Office of Regulatory Activities of
the Federal Home Loan Bank System.

Section 3. Transfer of Purchased
Certificates.

(a)        The
Purchaser understands that the Purchased Certificates have not been
registered under the Act, or any state securities laws and that no
transfer may be made unless the Purchased Certificates are
registered under the Act and under applicable state law or unless
an exemption from registration is available. The Purchaser further
understands that neither Washington Mutual nor the Trust is under
any obligation to register the Purchased Certificates or make an
exemption available. In the event that such a transfer is to be
made within two years from the Closing Date without registration
under the Act or applicable state securities laws, (i) the Trustee
shall require, in order to assure compliance with such laws, that
the Certificateholder's prospective transferee each certify to
Washington Mutual, the Trustee and the Trust as to the factual
basis for the registration or qualification exemption relied upon,
and (ii) the Trustee or Washington Mutual may require an Opinion of
Counsel that such transfer may be made pursuant to an exemption
from the Act and state securities laws, which Opinion of Counsel
shall not be an expense of the Trust, the Trustee or Washington
Mutual. Any such Certificateholder desiring to effect such transfer
shall, and does hereby agree to, indemnify the Trust, the Trustee
and Washington Mutual 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.

(b)        No
transfer of a Purchased Certificate shall be made unless the
transferee provides Washington Mutual and the Trustee with (i) a
Transferee's Agreement, substantially in the form of this
Agreement, (ii) an affidavit substantially in the form of Exhibit N
to the Pooling Agreement and (iii) if so indicated in such
affidavit, a Benefit Plan Opinion (as defined in Section 1.01 of
the Pooling Agreement).

(c)        The
Purchaser acknowledges that its Purchased Certificates bear a
legend setting forth the applicable restrictions on
transfer.

 

IN WITNESS WHEREOF, the undersigned has
caused this Agreement to be validly executed by its duly authorized
representative as of the day and the year first above
written.

[Purchaser]

 

 

By:
                                                                 

Its:

 

Exhibit H

FORM OF ADDITIONAL MATTER
INCORPORATED INTO

THE FORM
OF THE CERTIFICATES (OTHER THAN THE CLASS R
CERTIFICATES)

This Certificate
does not represent an obligation of or interest in Washington
Mutual Mortgage Securities Corp. or any of its affiliates. Neither
this Certificate nor the underlying Mortgage Loans are guaranteed
by any agency or instrumentality of the United
States.

This certifies that the above-named
Registered Owner is the registered owner of certain interests in a
pool of assets (“REMIC III”) consisting of interests in
another pool of assets (“REMIC II”) consisting of
interests in another pool of assets (“REMIC I”)
consisting of, among other things, conventional one- to four-family
mortgage loans (the “Mortgage Loans”), formed by
Washington Mutual Mortgage Securities Corp. (the
“Company”), which term includes any successor entity
under the Pooling Agreement referred to below. REMIC I, REMIC II
and REMIC III were created pursuant to a Pooling and Servicing
Agreement, dated as of the Cut-Off Date stated above (the
“Pooling Agreement”), among the Company, the Servicer,
LaSalle Bank National Association, as Trustee (the
“Trustee”), and Christiana Bank & Trust Company, as
Delaware 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
Pooling Agreement. Nothing herein shall be deemed inconsistent with
such meanings, and in the event of any conflict between the Pooling
Agreement and the terms of this Certificate, the Pooling Agreement
shall control. This Certificate is issued under and is subject to
the terms, provisions and conditions of the Pooling Agreement, to
which Pooling Agreement the Holder of this Certificate, by virtue
of the acceptance hereof, assents and by which such Holder is
bound.

Distributions will be made, pursuant to
the Pooling Agreement, on the 25th day of each month or, if such
25th day is not a Business Day, the Business Day immediately
following (the “Distribution Date”), commencing on the
first Distribution Date specified above, to the Person in whose
name this Certificate is registered at the close of business on the
last day (or if such last day is not a Business Day, the Business
Day immediately preceding such last day) of the month immediately
preceding the month of such distribution (the “Record
Date”), to the extent of such Certificateholder's Percentage
Interest represented by this Certificate in the portion of the
REMIC III Available Distribution Amount for such Distribution Date
then distributable on the Certificates of this Class, as specified
in Section 4.05 of the Pooling Agreement.

Distributions on this Certificate will
be made by the Trustee by wire transfer or check mailed to the
address of the Person entitled thereto, as such name and address
shall appear on the Certificate Register. Notwithstanding the
above, the final distribution on this Certificate will be made
after due notice by the Trustee of the pendency of such
distribution and only upon presentation and surrender of this
Certificate to the Certificate Registrar.

Reference is hereby made to the further
provisions of this Certificate set forth below, which further
provisions shall for all purposes have the same effect as if set
forth at this place.

Unless the certificate of authentication
hereon has been executed by or on behalf of the Trustee, by manual
signature, this Certificate shall not be entitled to any benefit
under the Pooling Agreement or be valid for any purpose.

 

IN WITNESS WHEREOF, the Trust has caused
this Certificate to be duly executed.

WASHINGTON MUTUAL MORTGAGE PASS-THROUGH
CERTIFICATES, WMALT SERIES 2005-4 TRUST

By:    LASALLE BANK NATIONAL
ASSOCIATION, as Trustee

By:
                                                                          

  

(TRUSTEE'S CERTIFICATE OF
AUTHENTICATION)

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

LASALLE BANK NATIONAL ASSOCIATION,

as Trustee

By:
                                                     

Dated:
                                                

 

 

WASHINGTON MUTUAL MORTGAGE PASS-THROUGH
CERTIFICATE

This
Certificate is one of a duly authorized issue of Certificates
designated as Washington Mutual Mortgage Pass-Through Certificates
of the Series and Class specified hereon (herein called the
“Certificates”) and representing certain interests in
REMIC III [to be used only in the case of the Class CB-1
Certificates, Class CB-3 Certificates, Class CB-9 Certificates,
Class CB-13 Certificates, Class 5-A-2 Certificates and Class 5-A-5
Certificates:][, together with certain rights specified in the
Pooling Agreement].

The
Certificates do not represent an obligation of, or an interest in,
the Company or any of its affiliates and are not insured or
guaranteed by any governmental agency. 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 Pooling Agreement. In the event funds are
advanced with respect to any Mortgage Loan, such advance is
reimbursable to the Servicer from the related recoveries on such
Mortgage Loan or from other cash deposited in the Certificate
Account to the extent that such advance is not otherwise
recoverable.

As
provided in the Pooling Agreement, withdrawals from the Certificate
Account may be made from time to time for purposes other than
distributions to Certificateholders, such purposes including
reimbursement to the Servicer of advances made, or certain expenses
incurred, by it.

The
Pooling Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights
and obligations of the Company and the rights of the
Certificateholders under the Pooling Agreement at any time by the
Company, the Servicer and the Trustee with the consent of the
Holders of the Certificates evidencing Percentage Interests
aggregating not less than 66% of REMIC III. 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 Pooling 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 Pooling 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 of the
Certificate Registrar or the office maintained by the Trustee in
the City and State of New York, duly endorsed by, or accompanied by
an assignment in the form below or other written instrument of
transfer in form satisfactory to the Trustee or any Authenticating
Agent duly executed by, the Holder hereof or such Holder's attorney
duly authorized in writing, and thereupon one or more new
Certificates of Authorized Denominations evidencing the same
Percentage Interest set forth hereinabove will be issued to the
designated transferee or transferees.

[to be
used only in the case of the Junior Subordinate Certificates:] [No
transfer of a Certificate will be made unless such transfer is
exempt from or is made in accordance with the registration
requirements of the Securities Act of 1933, as amended (the
“Securities Act”) and any applicable state securities
laws. In the event that a transfer is to be made without
registration or qualification under applicable laws, (i) in the
event such transfer is made pursuant to Rule 144A under the
Securities Act, the Company and the Trustee shall require the
transferee to execute an investment letter in substantially the
form attached as Exhibit L to the Pooling Agreement, which
investment letter shall not be an expense of the Company, the
Servicer, the Trust or the Trustee and (ii) in the event that such
a transfer is not made pursuant to Rule 144A under the Securities
Act, the Trustee may require an Opinion of Counsel satisfactory to
the Trustee that such transfer may be made without such
registration or qualification, which Opinion of Counsel shall not
be an expense of the Company, the Servicer, the Trust or the
Trustee. Neither the Company nor the Trust will register the
Certificate under the Securities Act, qualify the Certificate under
any state securities law or provide registration rights to any
purchaser. Any Holder desiring to effect such transfer shall, and
does hereby agree to, indemnify the Trust, the Trustee, the Company
and the 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.]

The
Certificates are issuable only as registered Certificates without
coupons in Authorized Denominations specified in the Pooling
Agreement. As provided in the Pooling Agreement and subject to
certain limitations therein set forth, Certificates are
exchangeable for new Certificates of Authorized Denominations of
like Certificate Principal Balance or Percentage Interest, as
applicable, as requested by the Holder surrendering the
same.

A
reasonable service charge may be made for any such registration of
transfer or exchange, and the Trustee may require payment of a sum
sufficient to cover any tax or other governmental charge payable in
connection therewith.

The
Company, the Servicer, the Trustee and the Certificate Registrar
and any agent of the Company, the Servicer, the Trustee or the
Certificate Registrar may treat the Person in whose name this
Certificate is registered as the owner hereof for all purposes, and
neither the Company, the Servicer, the Trustee, the Certificate
Registrar nor any such agent shall be affected by notice to the
contrary.

[to be
used only in the case of the Insured Certificates:] [Each Holder of
this Certificate hereby agrees for the benefit of the Certificate
Insurer that, to the extent the Certificate Insurer makes Insured
Payments, either directly or indirectly (as by paying through the
Trustee), to the Holders of the Insured Certificates, the
Certificate Insurer will be subrogated to the rights of such Holder
to the extent of such payments.]

The
obligations created by the Pooling Agreement and the Trust created
thereby shall terminate upon (i) the later of the maturity or other
liquidation (including purchase by the Servicer) of the last
Mortgage Loan remaining in the Trust or the disposition of all
property acquired upon foreclosure or deed in lieu of foreclosure
of any Mortgage Loan, and (ii) the payment to Certificateholders of
all amounts held by the Trustee and required to be paid to them
pursuant to the Pooling Agreement. In the event that the Company or
the Servicer purchases any Mortgage Loan pursuant to the Pooling
Agreement, the Pooling Agreement generally requires that the
Trustee distribute to the Certificateholders in the aggregate an
amount equal to 100% of the unpaid Principal Balance of such
Mortgage Loan, plus unpaid accrued interest thereon at the
applicable Pass-Through Rate to the last day of the month in which
such purchase occurs. The Pooling Agreement permits, but does not
require, the Servicer to purchase from the Trust all Mortgage Loans
at the time subject thereto and all property acquired in respect of
any Mortgage Loan upon payment to the Certificateholders of the
amounts specified in the Pooling Agreement. The exercise of such
right will effect early retirement of the Certificates, the
Servicer’s right to purchase being subject to the aggregate
Principal Balance of the Mortgage Loans at the time of purchase
being less than the Clean-Up Call Percentage of the aggregate
Principal Balance of the Mortgage Loans as of the Cut-Off
Date.

 

ASSIGNMENT

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

                                                                                                                                                                                                                     

                                                                                                                                                                                                                     

(Please print or typewrite name and address, including postal
zip code of assignee. Please insert social security or other identifying number of assignee.)

the within Washington Mutual
Mortgage Pass-Through Certificate and hereby irrevocably constitutes and appoints

                                                                                                                                                                                                                     

Attorney to transfer said Certificate on the
Certificate Register, with full power of substitution in the premises.

 

  	
      Dated:__________________________________________	
      _____________________________________
	 	
      Signature Guaranteed
	 	 
	 	
      _____________________________________
	 	
NOTICE:    The signature to this assignment must correspond with the name as written upon the face of the
within instrument in every particular, without alteration or enlargement or any change whatever.  This Certificate does not
represent an obligation of or an interest in Washington Mutual Mortgage Securities Corp. or any of its affiliates.  Neither
this Certificate nor the underlying Mortgage Loans are guaranteed by any agency or instrumentality of the United States.

 

Exhibit I

TRANSFEROR CERTIFICATE

[Date]

LaSalle Bank National Association, as
Trustee

135 South LaSalle Street, Suite 1625

Chicago, Illinois, 60603

Attention: Global Securitization Trust
Services

Re:      Washington Mutual
Mortgage Pass-Through Certificates, Series 2005-4, Class
R

Ladies and Gentlemen:

This letter is delivered to you in
connection with the sale from
                                        
 (the “Seller”) to
          
                                   
(the “Purchaser”) of $____________________ initial
Certificate Principal Balance of Washington Mutual Mortgage
Pass-Through Certificates, WMALT Series 2005-4, Class R (the
“Certificate”), pursuant to Section 5.01 of the Pooling
and Servicing Agreement (the “Pooling Agreement”),
dated as of May 1, 2005 among Washington Mutual Mortgage Securities
Corp., as depositor (the “Company”), Washington Mutual
Bank, FA, as servicer (the "Servicer"), LaSalle Bank National
Association, as trustee (the “Trustee”), and Christiana
Bank & Trust Company, as Delaware trustee. All terms used
herein and not otherwise defined shall have the meanings set forth
in the Pooling Agreement. The Seller hereby certifies, represents
and warrants to, and covenants with, the Company, the Servicer, the
Trustee and the Trust that:

1.        
No purpose of the Seller relating to the sale of the Certificate by
the Seller to the Purchaser is or will be to enable the Seller to
impede the assessment or collection of tax.

2.        
The Seller understands that the Purchaser has delivered to the
Trustee and the Company a transferee affidavit and agreement in the
form attached to the Pooling Agreement as Exhibit J. The Seller
does not know or believe that any representation contained therein
is false.

3.        
The Seller has no actual knowledge that the proposed Transferee is
not a Permitted Transferee.

4.        
The Seller has no actual knowledge that the Purchaser would be
unwilling or unable to pay taxes due on its share of the taxable
income attributable to the Certificates.

5.        
The Seller has conducted a reasonable investigation of the
financial condition of the Purchaser and, as a result of the
investigation, found that the Purchaser has historically paid its
debts as they came due, and found no significant evidence to
indicate that the Purchaser will not continue to pay its debts as
they come due in the future.

 

6.        
The Purchaser has represented to the Seller that, if the
Certificates constitute a noneconomic residual interest, it (i)
understands that as holder of a noneconomic residual interest it
may incur tax liabilities in excess of any cash flows generated by
the interest, and (ii) intends to pay taxes associated with its
holding of the Certificates as they become due.

Very truly yours,

 

[Seller]

 

By:
                                                                             

      Name:
                                                                    

      Title:
                                                         
           

 

Exhibit J

TRANSFEREE AFFIDAVIT AND AGREEMENT

 

STATE OF      
            )

                                   )   ss:

COUNTY
OF                )

 

[NAME OF OFFICER], being first duly
sworn, deposes and says:

1.        
That he is [Title of Officer] of [Name of Owner] (record or
beneficial owner of the Class R Certificate (the
“Owner”)), a [savings institution] [corporation] duly
organized and existing under the laws of [the State of
                 
] [the United States], on behalf of which he makes this affidavit
and agreement.

2.        
That the Owner (i) is not and will not be a “disqualified
organization” as of [date of transfer] within the meaning of
Section 860E(e)(5) of the Internal Revenue Code of 1986, as amended
(the “Code”) and will endeavor to remain other than a
disqualified organization for so long as it retains its ownership
interest in the Class R Certificates, and (ii) is acquiring the
Class R Certificates for its own account or for the account of
another Owner from which it has received an affidavit and agreement
in substantially the same form as this affidavit and agreement.
(For this purpose, a disqualified organization” means the
United States, any state or political subdivision thereof, or 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 or international
organization, or any agency or instrumentality of such foreign
government or organization, any rural electric or telephone
cooperative, or any organization (other than certain farmers'
cooperatives) that is generally exempt from federal income tax
unless such organization is subject to the tax on unrelated
business taxable income).

3.        
That the Owner is aware (i) of the tax that would be imposed on
transfers of the Class R 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
middle-man) for a disqualified organization, 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 not a disqualified organization
and, at the time of transfer, such person does not have actual
knowledge that the affidavit is false; and (iv) that the Class R
Certificates may be a “noneconomic residual interest”
within the meaning of Treasury regulations promulgated pursuant to
the Code and that the transferor of a noneconomic residual interest
will remain liable for any taxes due with respect to the income on
such residual interest, if a significant purpose of the transfer
was to enable the transferor to impede the assessment or collection
of tax.

4.        
That the Owner is aware of the tax imposed on a “pass-through
entity” holding the Class R Certificates if at any time
during the taxable year of the pass-through entity a disqualified
organization is the record holder of an interest in such entity.
(For this purpose, a “pass through entity” includes a
regulated investment company, a real estate investment trust or
common trust fund, a partnership, trust or estate, and certain
cooperatives.)

5.        
That the Owner is aware that the Trustee will not register the
Transfer of the Class R Certificates unless the transferee, or the
transferees' agent, delivers to it an affidavit and agreement,
among other things, in substantially the same form as this
affidavit and agreement. The Owner expressly agrees that it will
not consummate any such transfer if it knows or believes that any
of the representations contained in such affidavit and agreement
are false.

6.        
That the Owner has reviewed the restrictions set forth on the face
of the Class R Certificates and the provisions of Section 5.01 of
the Pooling Agreement under which the Class R Certificates were
issued (in particular, clauses (iii)(A) and (iii)(B) of Section
5.01(c) which authorize the Trustee to deliver payments to a person
other than the Owner and negotiate a mandatory sale by the Trustee
in the event the Owner holds such Certificates in violation of
Section 5.01). The Owner expressly agrees to be bound by and to
comply with such restrictions and provisions.

7.        
That the Owner consents to any additional restrictions or
arrangements that shall be deemed necessary upon advice of counsel
to constitute a reasonable arrangement to ensure that the Class R
Certificates will only be owned, directly or indirectly, by an
Owner that is not a disqualified organization.

8.        
The Owner's Taxpayer Identification Number is
                              
..

9.        
That no purpose of the Owner relating to the purchase of the Class
R Certificates by the Owner is or will be to enable the transferor
to impede the assessment or collection of tax and that in
making this representation, the Owner warrants that the Owner is
familiar with Treasury Regulation 1.860E-1(c) and with the preamble
to the adoption of amendments to that regulation as of July 19,
2002, attached hereto as Exhibit 1.

10.       
That the Owner anticipates that it will, so long as it holds the
Class R Certificates, have sufficient assets to pay any taxes owed
by the holder of such Certificates, and hereby represents to and
for the benefit of the person from whom it acquired the Class R
Certificates that the Owner intends to pay taxes associated with
holding such Certificates as they become due, fully understanding
that it may incur tax liabilities in excess of any cash flows
generated by the Class R Certificates. That the Owner has provided
financial statements or other financial information requested by
the transferor in connection with the transfer of the Class R
Certificates to permit the transferor to assess the financial
capability of the Owner to pay such taxes.

11.       
That the Owner has no present knowledge or expectation that it will
be unable to pay any United States taxes owed by it so long as any
of the Class R Certificates remain outstanding.

12.       
That the Owner has no present knowledge or expectation that it will
become insolvent or subject to a bankruptcy proceeding for so long
as any of the Class R Certificates remain outstanding.

13.       
That the Owner is familiar with Treasury Regulation
1.860E-1(c) and with the preamble to the adoption of amendments to
that regulation as of July 19, 2002, attached hereto as Exhibit 1,
and that no purpose of the Owner relating to any
sale of the Class R Certificates by the Owner will be to impede the
assessment or collection of tax.

14.        The
Owner is a citizen or resident of the United States, a corporation,
partnership or other entity treated as a partnership or corporation
for U.S. federal income tax purposes created or organized in, or
under the laws of, the United States or any state thereof or the
District of Columbia, or an estate or trust whose income from
sources without the United States is includible in gross income for
United States federal income tax purposes regardless of its
connection with the conduct of a trade or business within the
United States.

15.       
The Owner hereby agrees that it will not cause income from the
Class R Certificates to be attributable to a foreign permanent
establishment or fixed base (within the meaning of an applicable
income tax treaty) of the Owner or another United States
taxpayer.

16.        The
Owner hereby agrees to cooperate with the Company and to take any
action required of it by the Code or Treasury regulations
thereunder (whether now or hereafter promulgated) in order to
create or maintain the REMIC status of REMIC I and REMIC II (the
“REMICs”).

17.        The
Owner hereby agrees that it will not take any action that could
endanger the REMIC status of the REMICs or result in the imposition
of tax on the REMICs unless counsel for, or acceptable to, the
Company has provided an opinion that such action will not result in
the loss of such REMIC status or the imposition of such tax, as
applicable.

18.        The
Owner as transferee of the Class R Certificates has represented to
the transferor that, if the Class R Certificates constitute a
noneconomic residual interest, the Owner (i) understands that as
holder of a noneconomic residual interest it may incur tax
liabilities in excess of any cash flows generated by the interest,
and (ii) intends to pay taxes associated with its holding of the
Class R Certificates as they become due.

19.        That
the Owner satisfies the condition in the paragraph marked below
[mark one paragraph only]:

___      The
Owner is not an employee benefit or other plan subject to the
prohibited transaction provisions of the Employee Retirement Income
Security Act of 1974, as amended, or Section 4975 of the Internal
Revenue Code of 1986, as amended (a “Plan”), or any
other person (including an investment manager, a named fiduciary or
a trustee of any Plan) acting, directly or indirectly, on behalf
of, or purchasing the Class R Certificates with “plan
assets” of, any Plan within the meaning of the Department of
Labor (“DOL”) regulation at 29 C.F.R. Section
2510.3-101.

___      The Owner has
delivered a Benefit Plan Opinion (as defined in Section 1.01 of the
Pooling Agreement under which the Class R Certificates were
issued).

IN WITNESS WHEREOF, the Owner has caused
this instrument to be executed on its behalf, pursuant to the
authority of its Board of Directors, by its [Title of Officer] and
its corporate seal to be hereunto attached, attested by its
[Assistant] Secretary, this
          day
of          ,
20 __ .

[Name of Owner]

By:                                                      

                 
[Name of Officer]

                  
[Title of Officer]

[Corporate Seal]

ATTEST: 

[Assistant] Secretary

Personally appeared before me the
above-named [Name of Officer], known or proved to me to be the same
person who executed the foregoing instrument and to be the [Title
of Officer] of the Owner, and Acknowledged to me that he executed
the same as his free act and deed and the free act and deed of the
Owner.

Subscribed and sworn before me this ___
day of __________________, 20__.

 

NOTARY PUBLIC

 

COUNTY OF

STATE OF

My Commission expires
the     day

of
                   
 , 20     

 

 

Exhibit 1
to Transferee Affidavit

 

DEPARTMENT OF THE
TREASURY

Internal Revenue Service

26 CFR Parts 1 and 602

[TD 9004]

RIN 1545-AW98

 

Real Estate Mortgage Investment
Conduits

AGENCY: Internal Revenue Service
(IRS), Treasury.

ACTION: Final
regulations.

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

SUMMARY: This document contains
final regulations relating to safe harbor transfers of noneconomic
residual interests in real estate mortgage investment conduits
(REMICs). The final regulations provide additional limitations on
the circumstances under which transferors may claim safe harbor
treatment.

DATES:          
Effective Date: These regulations are effective July 19,
2002. Applicability Date: For dates
of applicability, see Sec. 1.860E- (1)(c)(10).

FOR FURTHER INFORMATION CONTACT:
Courtney Shepardson at (202) 622-3940 (not a toll-free
number).

SUPPLEMENTARY
INFORMATION:

Paperwork Reduction Act

The collection of information in
this final rule has been reviewed and, pending receipt and
evaluation of public comments, approved by the Office of Management
and Budget (OMB) under 44 U.S.C. 3507 and assigned control number
1545-1675.  The collection of information in this regulation
is in Sec. 1.860E-1(c)(5)(ii). This information is required to
enable the IRS to verify that a taxpayer is complying with the
conditions of this regulation. The collection of information is
mandatory and is required. Otherwise, the taxpayer will not receive
the benefit of safe harbor treatment as provided in the regulation.
The likely respondents are businesses and other for-profit
institutions.

Comments on the collection of
information should be sent to the Office of Management and Budget,
Attn: Desk Officer for the Department of the Treasury, Office of
Information and Regulatory Affairs, Washington, DC, 20503, with
copies to the Internal Revenue Service, Attn: IRS Reports Clearance
Officer, W:CAR:MP:FP:S, Washington, DC 20224. Comments on the
collection of information should be received by September 17, 2002.
Comments are specifically requested concerning: 

 

Whether the collection of
information is necessary for the proper performance of the
functions of the Internal Revenue Service, including whether the
information will have practical utility; 

 

The accuracy of the estimated
burden associated with the collection of information (see
below);

 

How the quality, utility, and
clarity of the information to be collected may be
enhanced;

 

How the burden of complying
with the collection of information may be minimized, including
through the application of automated collection techniques or other
forms of information technology; and

 

Estimates of capital or
start-up costs and costs of operation, maintenance, and purchase of
service to provide information.

An agency may not conduct or
sponsor, and a person is not required to respond to, a collection
of information unless it displays a valid control number assigned
by the Office of Management and
Budget.   

The estimated total annual
reporting burden is 470 hours, based on an estimated number of
respondents of 470 and an estimated average annual burden hours per
respondent of one hour.

Books or records relating to a
collection of information must be retained as long as their
contents may become material in the administration of any internal
revenue law. Generally, tax returns and tax return information are
confidential, as required by 26 U.S.C. 6103.

Background

This document contains final
regulations regarding the proposed amendments to 26 CFR part 1
under section 860E of the Internal Revenue Code (Code). The
regulations provide the circumstances under which a transferor of a
noneconomic REMIC residual interest meeting the investigation and
representation requirements may avail itself of the safe harbor by
satisfying either the formula test or the asset test.

Final regulations governing REMICs,
issued in 1992, contain rules governing the transfer of noneconomic
REMIC residual interests. In general, a transfer of a noneconomic
residual interest is disregarded for all tax purposes if a
significant purpose of the transfer is to enable the transferor to
impede the assessment or collection of tax. A purpose to impede the
assessment or collection of tax (a wrongful purpose) exists if the
transferor, at the time of the transfer, either knew or should have
known that the transferee would be unwilling or unable to pay taxes
due on its share of the REMIC's taxable income.

Under a safe harbor, the transferor
of a REMIC noneconomic residual interest is presumed not to have a
wrongful purpose if two requirements are satisfied: (1) the
transferor conducts a reasonable investigation of the transferee's
financial condition (the investigation requirement); and (2) the
transferor secures a representation from the transferee to the
effect that the transferee understands the tax obligations
associated with holding a residual interest and intends to pay
those taxes (the representation requirement).

The IRS and Treasury have been
concerned that some transferors of noneconomic residual interests
claim they satisfy the safe harbor even in situations where the
economics of the transfer clearly indicate the transferee is
unwilling or unable to pay the tax associated with holding the
interest. For this reason, on February 7, 2000, the IRS published
in the Federal Register (65 FR 5807) a notice of proposed
rulemaking (REG-100276-97; REG-122450-98) designed to clarify the
safe harbor by adding the ``formula test,'' an economic test. The
proposed regulation provides that the safe harbor is unavailable
unless the present value of the anticipated tax liabilities
associated with holding the residual interest does not exceed the
sum of: (1) The present value of any consideration given to the
transferee to acquire the interest; (2) the present value of the
expected future distributions on the interest; and (3) the present
value of the anticipated tax savings associated with holding the
interest as the REMIC generates losses.

The notice of proposed rulemaking
also contained rules for FASITs. Section 1.860H-6(g) of the
proposed regulations provides requirements for transfers of FASIT
ownership interests and adopts a safe harbor by reference to the
safe harbor provisions of the REMIC
regulations.   

In January 2001, the IRS published
Rev. Proc. 2001-12 (2001-3 I.R.B. 335) to set forth an alternative
safe harbor that taxpayers could use while the IRS and the Treasury
considered comments on the proposed regulations. Under the
alternative safe harbor, if a transferor meets the investigation
requirement and the representation requirement but the transfer
fails to meet the formula test, the transferor may invoke the safe
harbor if the transferee meets a two-prong test (the asset test). A
transferee generally meets the first prong of this test if, at the
time of the transfer, and in each of the two years preceding the
year of transfer, the transferee's gross assets exceed $100 million
and its net assets exceed $10 million. A transferee generally meets
the second prong of this test if it is a domestic, taxable
corporation and agrees in writing not to transfer the interest to
any person other than another domestic, taxable corporation that
also satisfies the requirements of the asset test. A transferor
cannot rely on the asset test if the transferor knows, or has
reason to know, that the transferee will not comply with its
written agreement to limit the restrictions on subsequent transfers
of the residual interest.

Rev. Proc. 2001-12 provides that
the asset test fails to be satisfied in the case of a transfer or
assignment of a noneconomic residual interest to a foreign branch
of an otherwise eligible transferee. If such a transfer or
assignment were permitted, a corporate taxpayer might seek to claim
that the provisions of an applicable income tax treaty would
resource excess inclusion income as foreign source income, and
that, as a consequence, any U.S. tax liability attributable to the
excess inclusion income could be offset by foreign tax credits.
Such a claim would impede the assessment or collection of U.S. tax
on excess inclusion income, contrary to the congressional purpose
of assuring that such income will be taxable in all events. See,
e.g., sections 860E(a)(1), (b), (e) and 860G(b) of the
Code.

The Treasury and the IRS have
learned that certain taxpayers transferring noneconomic residual
interests to foreign branches have attempted to rely on the formula
test to obtain safe harbor treatment in an effort to impede the
assessment or collection of U.S. tax on excess inclusion income.
Accordingly, the final regulations provide that if a noneconomic
residual interest is transferred to a foreign permanent
establishment or fixed base of a U.S. taxpayer, the transfer is not
eligible for safe harbor treatment under either the asset test or
the formula test. The final regulations also require a transferee
to represent that it will not cause income from the noneconomic
residual interest to be attributable to a foreign permanent
establishment or fixed base.

Section 1.860E-1(c)(8) provides
computational rules that a taxpayer may use to qualify for safe
harbor status under the formula test. Section 1.860E-1(c)(8)(i)
provides that the transferee is presumed to pay tax at a rate equal
to the highest rate of tax specified in section 11(b). Some
commentators were concerned that this presumed rate of taxation was
too high because it does not take into consideration taxpayers
subject to the alternative minimum tax rate. In light of the
comments received, this provision has been amended in the final
regulations to allow certain transferees that compute their taxable
income using the alternative minimum tax rate to use the
alternative minimum tax rate applicable to corporations.

Additionally, Sec.
1.860E-1(c)(8)(iii) provides that the present values in the formula
test are to be computed using a discount rate equal to the
applicable Federal short-term rate prescribed by section 1274(d).
This is a change from the proposed regulation and Rev. Proc.
2001-12. In those publications the provision stated that
“present values are computed using a discount rate equal to
the applicable Federal rate prescribed in section 1274(d)
compounded semiannually” and that “[a] lower discount
rate may be used if the transferee can demonstrate that it
regularly borrows, in the course of its trade or business,
substantial funds at such lower rate from an unrelated third
party.”  The IRS and the Treasury Department have
learned that, based on this provision, certain taxpayers have been
attempting to use unrealistically low or zero interest rates to
satisfy the formula test, frustrating the intent of the test.
Furthermore, the Treasury Department and the IRS believe that a
rule allowing for a rate other than a rate based on an objective
index would add unnecessary complexity to the safe harbor. As a
result, the rule in the proposed regulations that permits a
transferee to use a lower discount rate, if the transferee can
demonstrate that it regularly borrows substantial funds at such
lower rate, is not included in the final regulations; and the
Federal short-term rate has been substituted for the applicable
Federal rate. To simplify taxpayers' computations, the final
regulations allow use of any of the published short-term rates,
provided that the present values are computed with a corresponding
period of compounding. With the exception of the provisions
relating to transfers to foreign branches, these changes generally
have the proposed applicability date of February 4, 2000, but
taxpayers may choose to apply the interest rate formula set forth
in the proposed regulation and Rev. Proc. 2001-12 for transfers
occurring before August 19, 2002.

It is anticipated that when final
regulations are adopted with respect to FASITs, Sec. 1.860H-6(g) of
the proposed regulations will be adopted in substantially its
present form, with the result that the final regulations contained
in this document will also govern transfers of FASIT ownership
interests with substantially the same applicability date as is
contained in this document.

Effect on Other
Documents

Rev. Proc. 2001-12 (2001-3 I.R.B.
335) is obsolete for transfers of noneconomic residual interests in
REMICs occurring on or after August 19, 2002.

Special Analyses

It is hereby certified that these
regulations will not have a significant economic impact on a
substantial number of small entities. This certification is based
on the fact that it is unlikely that a substantial number of small
entities will hold REMIC residual interests. Therefore, a
Regulatory Flexibility Analysis under the Regulatory Flexibility
Act (5 U.S.C. chapter 6) is not required. It has been determined
that this Treasury decision is not a significant regulatory action
as defined in Executive Order 12866. Therefore, a regulatory
assessment is not required. It also has been determined that
sections 553(b) and 553(d) of the Administrative Procedure Act (5
U.S.C. chapter 5) do not apply to these regulations.

Drafting Information

The principal author of these
regulations is Courtney Shepardson. However, other personnel from
the IRS and Treasury Department participated in their
development.

List of Subjects

26 CFR Part 1

Income taxes, Reporting and record
keeping requirements.

26 CFR Part 602

Reporting and record keeping
requirements.

Adoption of Amendments to the
Regulations

Accordingly, 26 CFR parts 1 and 602
are amended as follows:

PART 1--INCOME TAXES

 

Paragraph 1. The authority
citation for part 1 continues to read in part as
follows:

    Authority: 26
U.S.C. 7805 * * *

 

 

Exhibit
K

CERTIFICATE INSURANCE
POLICY

 

Exhibit L

[FORM OF
RULE 144A INVESTMENT REPRESENTATION]

Description of Rule 144A Securities, including
numbers:

                                                  

                                                  

                                                  

                                                  

 

The undersigned  seller, as
registered holder (the “Seller”), intends to transfer
the Rule 144A Securities described above to the undersigned buyer
(the “Buyer”).

1.        
In connection with such transfer and in accordance with the
agreements pursuant to which the Rule 144A Securities were issued,
the Seller hereby certifies the following facts: Neither the Seller
nor anyone acting on its behalf has offered, transferred, pledged,
sold or otherwise disposed of the Rule 144A Securities, any
interest in the Rule 144A Securities or any other similar security
to, or solicited any offer to buy or accept a transfer, pledge or
other disposition of the Rule 144A Securities, any interest in the
Rule 144A Securities or any other similar security from, or
otherwise approached or negotiated with respect to the Rule 144A
Securities, any interest in the Rule 144A Securities or any other
similar security with, any person in any manner, or made any
general solicitation by means of general advertising or in any
other manner, or taken any other action, that would constitute a
distribution of the Rule 144A Securities under the Securities Act
of 1933, as amended (the “1933 Act”), or that would
render the disposition of the Rule 144A Securities a violation of
Section 5 of the 1933 Act or require registration pursuant thereto,
and that the Seller has not offered the Rule 144A Securities to any
person other than the Buyer or another “qualified
institutional buyer” as defined in Rule 144A under the 1933
Act.

2.        
The Buyer warrants and represents to, and covenants with, the
Seller, the Trustee, the Trust and the Servicer (as defined in
Section 1.01 of the Pooling and Servicing Agreement (the
“Agreement”) dated as of May 1, 2005 among Washington
Mutual Mortgage Securities Corp., as Depositor, Washington Mutual
Bank, FA as Servicer, LaSalle Bank National Association, as
Trustee, and Christiana Bank & Trust Company, as Delaware
trustee) pursuant to Section 5.01(f) of the Agreement, as
follows:

a.        
The Buyer understands that the Rule 144A Securities have not been
registered under the 1933 Act or the securities laws of any
state.

b.        
The Buyer considers itself a substantial, sophisticated
institutional investor having such knowledge and experience in
financial and business matters that it is capable of evaluating the
merits and risks of investment in the Rule 144A
Securities.

c.        
The Buyer has received and reviewed the Private Placement
Memorandum dated as of May 25, 2005 relating to the Rule 144A
Securities and has been furnished with all information regarding
the Rule 144A Securities that it has requested from the Seller, the
Trustee, the Company or the Servicer.

d.        
Neither the Buyer nor anyone acting on its behalf has offered,
transferred, pledged, sold or otherwise disposed of the Rule 144A
Securities, any interest in the Rule 144A Securities or any other
similar security to, or solicited any offer to buy or accept a
transfer, pledge or other disposition of the Rule 144A Securities,
any interest in the Rule 144A Securities or any other similar
security from, or otherwise approached or negotiated with respect
to the Rule 144A Securities, any interest in the Rule 144A
Securities or any other similar security with, any person in any
manner, or made any general solicitation by means of general
advertising or in any other manner, or taken any other action, that
would constitute a distribution of the Rule 144A Securities under
the 1933 Act or that would render the disposition of the Rule 144A
Securities a violation of Section 5 of the 1933 Act or require
registration pursuant thereto, nor will it act, nor has it
authorized or will it authorize any person to act, in such manner
with respect to the Rule 144A Securities.

e.        
The Buyer is a “qualified institutional buyer” as that
term is defined in Rule 144A under the 1933 Act and has (1)
completed either of the forms of certification to that effect
attached hereto as Annex 1 or Annex 2, or (2) obtained the waiver
of the Company with respect to Annex 1 and Annex 2
pursuant to Section 5.01(f) of the Agreement. The Buyer is aware
that the sale to it is being made in reliance on Rule 144A. The
Buyer is acquiring the Rule 144A Securities for its own account or
the accounts of other qualified institutional buyers, understands
that such Rule 144A Securities may be resold, pledged or
transferred only (i) to a person reasonably believed to be a
qualified institutional buyer that purchases for its own account or
for the account of a qualified institutional buyer to whom notice
is given that the resale, pledge or transfer is being made in
reliance on Rule 144A, or (ii) pursuant to another exemption from
registration under the 1933 Act.

f.         
The Buyer is not affiliated with (i) the Trustee or
(ii) any Rating Agency that rated the Rule 144A
Securities.

g.        
If applicable, the Buyer has complied, and will continue to comply,
with the guidelines established by Thrift Bulletin 13a issued April
23, 1998, by the Office of Regulatory Activities of the Federal
Home Loan Bank System.

3.        
This document may be executed in one or more counterparts and by
the different parties hereto on separate counterparts, each of
which, when so executed, shall be deemed to be an original; such
counterparts, together, shall constitute one and the same
document.

IN WITNESS WHEREOF, each of the parties
has executed this document as of the date set forth
below.

 

 

                                                                                   
                                                                       

                    
Print Name of
Seller                                                    
Print Name of Buyer

By:
                                                                 
            By:
                                                                 

Name:                                                                         
Name:      

Title:
                                                                           
Title:

 

Taxpayer
Identification:
                                       
            Taxpayer Identification:
                                       

No.:
                                                                 
            No.:
                                                                

Date:
                                                                
            Date:
                                                                

  

 

Annex 1 to
Exhibit L

QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC
RULE 144A

[For
Buyers Other Than Registered Investment Companies]

 

The undersigned hereby certifies as
follows in connection with the Rule 144A Investment Representation
to which this Certification is attached:

1.        
As indicated below, the undersigned is the President, Chief
Financial Officer, Senior Vice President or other executive officer
of the Buyer.

2.        
In connection with purchases by the Buyer, the Buyer is a
“qualified institutional buyer” as that term is defined
in Rule 144A under the Securities Act of 1933 (“Rule
144A”) because (i) the Buyer owned and/or invested on a
discretionary basis $______________________ (the Buyer must
own and/or invest on a discretionary basis at least $100,000,000 in
securities unless the Buyer is a dealer, and, in that case, the
Buyer must own and/or invest on a discretionary basis at least
$10,000,000 in securities) in securities (except for
the excluded securities referred to below) as of the end of the
Buyer's most recent fiscal year (such amount being calculated in
accordance with Rule 144A) and (ii) the Buyer satisfies the
criteria in the category marked below.

___     
Corporation, etc. The Buyer is a corporation (other than a
bank, savings and loan association or similar institution),
Massachusetts or similar business trust, partnership, or charitable
organization described in Section 501(c)(3) of the Internal Revenue
Code.

___     
Bank. The Buyer (a) is a national bank or banking
institution organized under the laws of any State, territory or the
District of Columbia, the business of which is substantially
confined to banking and is supervised by the State or territorial
banking commission or similar official or is a foreign bank or
equivalent institution, and (b) has an audited net worth of at
least $25,000,000 as demonstrated in its latest annual financial
statements, a copy of which is attached hereto.

___     
Savings and Loan. The Buyer (a) is a savings and loan
association, building and loan association, cooperative bank,
homestead association or similar institution, which is supervised
and examined by a State or Federal authority having supervision
over any such institutions or is a foreign savings and loan
association or equivalent institution and (b) has an audited net
worth of at least $25,000,000 as demonstrated in its latest annual
financial statements.

___     
Broker-Dealer. The Buyer is a dealer registered pursuant to
Section 15 of the Securities Exchange Act of 1934.

___     
Insurance Company. The Buyer is an insurance company whose
primary and predominant business activity is the writing of
insurance or the reinsuring of risks underwritten by insurance
companies and which is subject to supervision by the insurance
commissioner or a similar official or agency of a State or
territory or the District of Columbia.

___     
State or Local Plan. The Buyer is a plan established and
maintained by a State, its political subdivisions, or any agency or
instrumentality of the State or its political subdivisions, for the
benefit of its employees.

___     
ERISA Plan. The Buyer is an employee benefit plan within the
meaning of Section 3(3) of the Employee Retirement Income Security
Act of 1974, as amended (“ERISA”) and is subject to the
fiduciary responsibility provisions of ERISA.

___     
Investment Adviser. The Buyer is an investment adviser
registered under the Investment Advisers Act of 1940.

___     
SBIC. The Buyer is a Small Business Investment Company
licensed by the U.S. Small Business Administration under Section
301(c) or (d) of the Small Business Investment Act of
1958.

___     
Business Development Company. The Buyer is a business
development company as defined in Section 202(a)(22) of the
Investment Advisers Act of 1940.

___     
Trust Fund. The Buyer is a trust fund whose trustee is a
bank or trust company and whose participants are exclusively (a)
plans established and maintained by a State, its political
subdivisions, or any agency or instrumentality of the State or its
political subdivisions, for the benefit of its employees, or (b)
employee benefit plans within the meaning of Title I of the
Employee Retirement Income Security Act of 1974, but is not a trust
fund that includes as participants individual retirement accounts
or H.R. 10 plans.

3.        
The term “securities” as used herein does not
include (i) securities of issuers that are affiliated with
the Buyer, (ii) securities that are part of an unsold
allotment to or subscription by the Buyer, if the Buyer is a
dealer, (iii) bank deposit notes and certificates of deposit,
(iv) loan participations, (v) repurchase agreements,
(vi) securities owned but subject to a repurchase agreement
and (vii) currency, interest rate and commodity
swaps.

4.        
For purposes of determining the aggregate amount of securities
owned and/or invested on a discretionary basis by the Buyer, the
Buyer used the cost of such securities to the Buyer and did not
include any of the securities referred to in the preceding
paragraph. Further, in determining such aggregate amount, the Buyer
may have included securities owned by subsidiaries of the 
Buyer,  but only if such subsidiaries are consolidated with
the Buyer in its financial statements prepared in accordance with
generally accepted accounting principles and if the investments of
such subsidiaries are managed under the Buyer's direction. However,
such securities were not included if the Buyer is a majority-owned,
consolidated subsidiary of another enterprise and the Buyer is not
itself a reporting company under the Securities Exchange Act of
1934.

5.        
The Buyer acknowledges that it is familiar with Rule 144A and
understands that the seller to it and other parties related to the
Certificates are relying and will continue to rely on the
statements made herein because one or more sales to the Buyer may
be in reliance on Rule 144A.

 

           

                       
           
           
Will the Buyer be purchasing the Rule 144A

                               Yes 
                 
No                 Securities only for the Buyer's own account?

6.        
If the answer to the foregoing question is “no”, the
Buyer agrees that, in connection with any purchase of securities
sold to the Buyer for the account of a third party (including any
separate account) in reliance on Rule 144A, the Buyer will
only purchase for the account of a third party that at the time is
a “qualified institutional buyer” within the meaning of
Rule 144A. In addition, the Buyer agrees that the Buyer will
not purchase securities for a third party unless the Buyer has
obtained a current representation letter from such third party or
taken other appropriate steps contemplated by Rule 144A to
conclude that such third party independently meets the definition
of “qualified institutional buyer” set forth in
Rule 144A.

7.        
The Buyer will notify each of the parties to which this
certification is made of any changes in the information and
conclusions herein. Until such notice is given, the Buyer's
purchase of Rule 144A Securities will constitute a reaffirmation of
this certification as of the date of such purchase.

 

 

                                                                                   
                                                                  

                                                                                                        
Print Name of Buyer

                                                                              By:
                                                                 

                                                                                   
Name:      

                                                                         
Title:

                                                                   Date:
                                                              

 

 

ANNEX 2 TO
EXHIBIT L

QUALIFIED
INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

[For
Buyers That Are Registered Investment Companies]

 

The undersigned hereby certifies as
follows in connection with the Rule 144A Investment Representation
to which this Certification is attached:

1.        
As indicated below, the undersigned is the President, Chief
Financial Officer or Senior Vice President of the Buyer or, if the
Buyer is a “qualified institutional buyer” as that term
is defined in Rule 144A under the Securities Act of 1933
(“Rule 144A”) because Buyer is part of a Family of
Investment Companies (as defined below), is such an officer of the
Adviser.

2.        
In connection with purchases by Buyer, the Buyer is a
“qualified institutional buyer” as defined in SEC Rule
144A because (i) the Buyer is an investment company registered
under the Investment Company Act of 1940, and (ii) as marked below,
the Buyer alone, or the Buyer's Family of Investment Companies,
owned at least $100,000,000 in securities (other than the excluded
securities referred to below) as of the end of the Buyer's most
recent fiscal year. For purposes of determining the amount of
securities owned by the Buyer or the Buyer's Family of Investment
Companies, the cost of such securities was used.

____    The Buyer owned
$___________________ in securities (other than the excluded
securities referred to below) as of the end of the Buyer's most
recent fiscal year (such amount being calculated in accordance with
Rule 144A).

____    The Buyer is part
of a Family of Investment Companies which owned in the aggregate
$______________ in securities (other than the excluded securities
referred to below) as of the end of the Buyer's most recent fiscal
year (such amount being calculated in accordance with Rule
144A).

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
Buyer or are part of the Buyer's Family of Investment Companies,
(ii) bank deposit notes and certificates of deposit, (iii) loan
participations, (iv) repurchase agreements, (v) securities owned
but subject to a repurchase agreement and (vi) currency, interest
rate and commodity swaps.

5.        
The Buyer is familiar with Rule 144A and understands that each of
the parties to which this certification is made are relying and
will continue to rely on the statements made herein because one or
more sales to the Buyer will be in reliance on Rule 144A. In
addition, the Buyer will only purchase for the Buyer's own
account.

6.        
The undersigned will notify each of the parties to which this
certification is made of any changes in the information and
conclusions herein. Until such notice, the Buyer's purchase of Rule
144A Securities will constitute a reaffirmation of this
certification by the undersigned as of the date of such
purchase.

 

 

                                                                                   
                                                                       

                                                                                                        
Print Name of Buyer

                                                                              By:
                                                                 ____

                                                                                   
Name:      

                                                                                   
Title:

                                                                    Date:
                                                              ______

                                                                    IF AN
ADVISER:

                                                                   

                                                                       ______

                                                                                        
Print Name of Buyer

                                                                    By:
                                                                 ______

                                                                    Name:     

                                                                   
Title:

                                                                    Date:
                                                              ________

(SEAL)

 

Exhibit M

 

[Date]

[Company]

Re:       Pooling
and Servicing Agreement dated as of May 1, 2005 by and among
Washington Mutual Mortgage Securities Corp., as Depositor,
Washington Mutual Bank, FA, as Servicer, LaSalle Bank National
Association, as Trustee, and Christiana Bank & Trust Company,
as Delaware trustee, relating to Washington Mutual Mortgage
Pass-Through Certificates, Series 2005-4

Ladies and Gentlemen:

In accordance with Section 2.07 of the
above-captioned Pooling and Servicing Agreement, the undersigned,
as [Trustee] [Initial Custodian], hereby certifies that, except as
noted on the attachment hereto, 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 has reviewed the
documents delivered to it pursuant to Section 2.05 of the Pooling
and Servicing Agreement and has determined that (i) all documents
required (in the case of instruments described in clauses (X)(iv)
and (Y)(ix) of the definition of “Mortgage File,” known
by it to be required) pursuant to the definition of “Mortgage
File” and Section 2.05 of the Pooling and Servicing Agreement
to have been executed and received as of the date hereof are in its
possession and (ii) all such  documents have been executed and
relate to the Mortgage Loans identified in the Mortgage Loan
Schedule. The [Trustee] [Initial Custodian] has made no independent
examination of such documents beyond the review specifically
required in the above referenced Pooling and Servicing Agreement
and has relied upon the purported genuineness and due execution of
any such documents and upon the purported genuineness of any
signature thereon. The [Trustee] [Initial Custodian] makes no
representations as to: (i) the validity, legality, enforceability
or genuineness of any of the documents contained in each Mortgage
File or any of the Mortgage Loans identified on the Mortgage Loan
Schedule, or (ii) the collectability, insurability, 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.

 

 

                                   
                                               
                                                                       

                                                                                   
as [Trustee] [Initial Custodian]

                                                                                 By:
                                                                 

                                                                                   
Name:

                                                                                   
Title:

 

EXHIBIT N

BENEFIT PLAN AFFIDAVIT

LaSalle Bank National Association, as Trustee
(the “Trustee”)

135 South LaSalle Street, Suite 1625

Chicago, Illinois, 60603

Attention: Global Securitization Trust
Services

Washington Mutual Mortgage
Securities Corp. (“Washington Mutual”)

75 North Fairway Drive

Vernon Hills, IL 
60061

 

RE:       CLASS
[B-4] [B-5] [B-6] CERTIFICATES (THE “PURCHASED
CERTIFICATES”) ISSUED BY WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH

CERTIFICATES WMALT SERIES 2005-4 TRUST
(THE “TRUST”)

Under penalties of perjury, I,
_____________________, declare that, to the best of my knowledge
and belief, the following representations are true, correct and
complete; and

1.        
That I am the _______________ of __________________ (the
“Purchaser”), whose taxpayer identification number
is  ___________, and on behalf of which I have the authority
to make this affidavit.

2.        
That the Purchaser is acquiring a Purchased Certificate
representing an interest in the assets of the Trust.

3.        
That the Purchaser satisfies the condition in the paragraph marked
below [mark one paragraph only]:

___      The
Purchaser is not an employee benefit plan or other plan subject to
the prohibited transaction provisions of the Employee Retirement
Income Security Act of 1974, as amended, or Section 4975 of the
Internal Revenue Code of 1986, as amended (a “Plan”),
or any other person (including an investment manager, a named
fiduciary or a trustee of any Plan) acting, directly or indirectly,
on behalf of, or purchasing any of the Purchased Certificates with
“plan assets” of, any Plan within the meaning of the
Department of Labor (“DOL”) regulation at 29 C.F.R.
Section 2510.3-101.

___      The Purchaser
is an insurance company, the source of funds to be used by it to
acquire or hold the Purchased Certificate is an “insurance
company general account” (within the meaning of DOL
Prohibited Transaction Class Exemption (“PTCE”) 95-60),
and the conditions in Sections I and III of PTCE 95-60 have been
satisfied.

___      The
Purchaser has delivered to Washington Mutual and the Trustee a
Benefit Plan Opinion (as defined in Section 1.01 of the Pooling and
Servicing Agreement, dated as of May 1, 2005, by and among
Washington Mutual, the Servicer, the Trustee and the Delaware
Trustee thereunder, and relating to the Trust).

 

IN WITNESS WHEREOF, the Purchaser has caused this instrument to be duly
executed on its behalf, by its duly authorized officer this _____
day of __________________, 20__.

[Purchaser]

By:
                                                     

      Its:

Personally appeared before me ______________________, known or
proved to me to be the same person who executed the foregoing
instrument and to be a ________________ of the Purchaser, and
acknowledged to me that (s)he executed the same as his/her free act
and deed and as the free act and deed of the Purchaser.

SUBSCRIBED and SWORN to before me this
day of ____________, 20__.

                                                                                  

           
Notary Public

 

Exhibit O

BENEFIT PLAN AFFIDAVIT

LaSalle Bank National Association, as Trustee
(the “Trustee”)

135 South LaSalle Street, Suite 1625

Chicago, Illinois, 60603

Attention: Global Securitization Trust
Services

Washington Mutual Mortgage
Securities Corp. (“Washington Mutual”)

75 North Fairway Drive

Vernon Hills, IL 
60061

 

RE:       CLASS
[B-1] [B-2] [B-3] CERTIFICATES (THE “PURCHASED
CERTIFICATES”) ISSUED BY WASHINGTON MUTUAL MORTGAGE
PASS-THROUGH

CERTIFICATES WMALT SERIES 2005-4 TRUST
(THE “TRUST”)

Under penalties of perjury, I,
_____________________, declare that, to the best of my knowledge
and belief, the following representations are true, correct and
complete; and

1.        
That I am the _______________ of __________________ (the
“Purchaser”), whose taxpayer identification number
is  ___________, and on behalf of which I have the authority
to make this affidavit.

2.        
That the Purchaser is acquiring a Purchased Certificate
representing an interest in the assets of the Trust.

3.        
That the Purchaser satisfies the condition in the paragraph marked
below [mark one paragraph only]:

___      The
Purchaser is not an employee benefit or other plan subject to the
prohibited transaction provisions of the Employee Retirement Income
Security Act of 1974, as amended (“ERISA”), or Section
4975 of the Internal Revenue Code of 1986, as amended (a
“Plan”), or any other person (including an investment
manager, a named fiduciary or a trustee of any such Plan) acting,
directly or indirectly, on behalf of or purchasing the Purchased
Certificate with “plan assets” of, any Plan within the
meaning of the Department of Labor (“DOL”) regulation
at 29 C.F.R. Section 2510.3-101.

___      The Purchaser
is an insurance company, the source of funds to be used by it to
acquire or hold the Purchased Certificate is an “insurance
company general account” (within the meaning of DOL
Prohibited Transaction Class Exemption (“PTCE”) 95-60),
and the conditions in Sections I and III of PTCE 95-60 have been
satisfied.

___      The Purchased
Certificate was rated “BBB-” or better (or its
equivalent) by at least one of the Rating Agencies (as defined in
Section 1.01 of the Pooling and Servicing Agreement (the “the
Pooling and Servicing Agreement”), dated as of May 1, 2005,
by and among Washington Mutual, the Servicer, the Trustee and the
Delaware Trustee thereunder, and relating to the Trust) at the time
of Purchaser’s acquisition of the Purchased Certificate (or
interest therein).

___      The
Purchaser has delivered to Washington Mutual and the Trustee a
Benefit Plan Opinion (as defined in Section 1.01 of the Pooling and
Servicing Agreement).

IN WITNESS WHEREOF, the Purchaser has caused this instrument to be duly
executed on its behalf, by its duly authorized officer this _____
day of __________________, 20__.

[Purchaser]

By:
                                                     

      Its:

Personally appeared before me ______________________, known or
proved to me to be the same person who executed the foregoing
instrument and to be a ________________ of the Purchaser, and
acknowledged to me that (s)he executed the same as his/her free act
and deed and as the free act and deed of the Purchaser.

SUBSCRIBED and SWORN to before me this
day of ____________, 20__.

                                                                                   

           
Notary Public<PDF>
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