Document:

EXHIBIT 10.3

 

EXECUTION COPY

 

ASSIGNMENT, ASSUMPTION AND RECOGNITION
AGREEMENT

 

This is an Assignment,
Assumption and Recognition Agreement (the “Agreement”) made as of the 27th day of June, 2012, among Redwood
Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc., a Delaware
corporation (“Depositor”), Christiana Trust, a division of Wilmington Savings Fund Society, FSB, a federal savings
bank, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” and as referred to herein,
the “Assignee”) under a Pooling and Servicing Agreement dated as of June 1, 2012 (the “Pooling and Servicing
Agreement”), and PHH Mortgage Corporation, a New Jersey corporation (“PHH”).

 

In consideration of
the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Mortgage Loans”) listed
on Attachment 1 (the “Mortgage Loan Schedule”) now serviced by PHH (together with its successors and assigns, the “Servicer”)
for Assignor and its successors and assigns pursuant to the Mortgage Loan Flow Purchase, Sale and Servicing Agreement dated as
of July 21, 2010, between Assignor and PHH (the “Purchase and Servicing Agreement”) and the servicing thereof shall
be subject to the terms of the Purchase and Servicing Agreement as modified or supplemented by this Agreement. Unless otherwise
specified herein, capitalized terms used herein but not defined shall have the meanings ascribed to them in the Purchase and Servicing
Agreement. Assignor will sell the Mortgage Loans to Depositor pursuant to a Mortgage Loan Purchase and Sale Agreement dated the
date hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the Pooling and Servicing Agreement.

 

Assignment and Assumption

 

1.          Assignor
hereby grants, transfers and assigns to Depositor all of its right, title and interest in, to and under the Purchase and Servicing
Agreement to the extent relating to the Mortgage Loans, together with its obligations as “Purchaser” (as such term
is defined in the Purchase and Servicing Agreement) to the extent relating to the Mortgage Loans, and Depositor hereby accepts
such assignment from Assignor and assumes such obligations.

 

2.          [Reserved].

 

3.          Depositor
hereby grants, transfers and assigns to Assignee all of its right, title and interest in, to and under the Purchase and Servicing
Agreement to the extent relating to the Mortgage Loans, together with its obligations as “Purchaser” (as such term
is defined in the Purchase and Servicing Agreement) to the extent relating to the Mortgage Loans, Depositor is released from all
obligations under the Purchase and Servicing Agreement, and Assignee hereby accepts such assignment from Depositor and assumes
such obligations.

 

4.          [Reserved].

 

    	 

    	 

    

 

5.          Assignee
agrees to be bound, as “Purchaser” (as such term is defined in the Purchase and Servicing Agreement), by all of the
terms, covenants and conditions of the Purchase and Servicing Agreement relating to the Mortgage Loans, and from and after the
date hereof, Assignee assumes for the benefit of each of Assignor, Depositor and PHH all of Assignor's obligations as Purchaser
thereunder in respect of the Mortgage Loans, and Assignor is released from such obligations.

 

6.          [Reserved].

 

7.          PHH
hereby acknowledges the foregoing assignments and assumptions and agrees that Assignee shall be the “Purchaser” under
the Purchase and Servicing Agreement with respect to the Mortgage Loans.

 

Representations and Warranties

 

8.          Assignor
warrants and represents to, and covenants with, Depositor, Assignee and PHH as of the date hereof that:

 

(a)          Attached
hereto as Attachment 2 is a true and accurate copy of the Purchase and Servicing Agreement, which agreement is in full force and
effect as of the date hereof and the provisions of which have not been waived, amended or modified in any respect, nor has any
notice of termination been given thereunder;

 

(b)          Assignor
is the lawful owner of its interests, rights and obligations under the Purchase and Servicing Agreement to the extent of the Mortgage
Loans, free and clear from any and all claims and encumbrances whatsoever, and upon the transfer of such interests, rights and
obligations to Assignee as contemplated herein, Assignee shall have good title to all of Assignee's interests, rights and obligations
under the Purchase and Servicing Agreement to the extent of the Mortgage Loans, free and clear of all liens, claims and encumbrances;

 

(c)          There
are no offsets, counterclaims or other defenses available to PHH with respect to the Mortgage Loans under the Purchase and Servicing
Agreement;

 

(d)          Assignor
is duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has all requisite
power and authority to enter into and perform its obligations under the Purchase and Servicing Agreement;

 

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(e)          Assignor
has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate
the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course
of Assignor’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of
Assignor’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Assignor is now
a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which Assignor
or its property is subject. The execution, delivery and performance by Assignor of this Agreement and the consummation by it of
the transactions contemplated hereby, have been duly authorized by all necessary corporate action on the part of Assignor. This
Agreement has been duly executed and delivered by Assignor and, upon the due authorization, execution and delivery by the other
parties hereto, will constitute the valid and legally binding obligation of Assignor enforceable against Assignor in accordance
with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws
now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether
enforceability is considered in a proceeding in equity or at law; and

 

(f)          No
consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required
to be obtained or made by Assignor in connection with the execution, delivery or performance by Assignor of this Agreement, or
the consummation by it of the transactions contemplated hereby.

 

9.          Depositor
warrants and represents to, and covenants with, Assignor, Assignee and PHH that as of the date hereof:

 

(a)          Depositor
is a Delaware corporation duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation;

 

(b)          Depositor
has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate
the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course
of Depositor’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions
of Depositor’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Depositor is
now a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which
Depositor or its property is subject. The execution, delivery and performance by Depositor of this Agreement and the consummation
by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on part of Depositor.
This Agreement has been duly executed and delivered by Depositor and, upon the due authorization, execution and delivery by the
other parties hereto, will constitute the valid and legally binding obligation of Depositor enforceable against Depositor in accordance
with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws
now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether
enforceability is considered in a proceeding in equity or at law; and

 

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(c)          No
consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required
to be obtained or made by Depositor in connection with the execution, delivery or performance by Depositor of this Agreement, or
the consummation by it of the transactions contemplated hereby other than any that have been obtained or made.

 

10.         Assignee
warrants and represents to, and covenants with, Assignor, Depositor and PHH that as of the date hereof:

 

(a)          Assignee
is a federal savings bank duly organized, validly existing and in good standing under the laws of the jurisdiction of its organization;
and

 

(b)          Assignee
has been directed to enter into this Agreement pursuant to the provisions of the Pooling and Servicing Agreement. The execution,
delivery and performance by Assignee of this Agreement and the consummation by it of the transactions contemplated hereby, have
been duly authorized by all necessary action on part of Assignee. This Agreement has been duly executed and delivered by Assignee
and, upon the due authorization, execution and delivery by Assignor, will constitute the valid and legally binding obligation of
Assignee enforceable against Assignee in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization,
insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general
principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law.

 

11.         PHH
warrants and represents to, and covenants with, Assignor, Depositor and Assignee as of the date hereof that:

 

(a)          Attached
hereto as Attachment 2 is a true and accurate copy of the Purchase and Servicing Agreement, which agreement is in full force and
effect as of the date hereof and, except to the extent modified by this Agreement, the provisions of which have not been waived,
amended or modified in any respect, nor has any notice of termination been given thereunder;

 

(b)          PHH
is duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has all requisite
power and authority to service the Mortgage Loans pursuant to the Purchase and Servicing Agreement and otherwise to perform its
obligations under the Purchase and Servicing Agreement;

 

(c)          PHH
has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate
the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course
of PHH’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of PHH’s
charter or by-laws or any legal restriction, or any material agreement or instrument to which PHH is now a party or by which it
is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which PHH or its property is subject.
The execution, delivery and performance by PHH of this Agreement and the consummation by it of the transactions contemplated hereby,
have been duly authorized by all necessary corporate action on part of PHH. This Agreement has been duly executed and delivered
by PHH and, upon the due authorization, execution and delivery by Assignor and Assignee, will constitute the valid and legally
binding obligation of PHH enforceable against PHH in accordance with its terms except as enforceability may be limited by bankruptcy,
reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally,
and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law; and

 

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(d)          No
consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required
to be obtained or made by PHH in connection with the execution, delivery or performance by PHH of this Agreement, or the consummation
by it of the transactions contemplated hereby.

 

Restated PHH Representations and Warranties

 

12.         (i)          [Reserved].

 

(ii)         Pursuant
to Section 3.07 of the Purchase and Servicing Agreement, PHH hereby restates to Depositor and Assignee (a) the representations
and warranties set forth in Sections 3.01 and 3.02 of the Purchase and Servicing Agreement as of the date hereof and (b) the representations
and warranties set forth in Section 3.03 of the Purchase and Servicing Agreement with respect to each Mortgage Loan as of the respective
Funding Date, as if such representations and warranties were set forth herein in full. In the event of a breach of any representations
and warranties set forth in Sections 3.01, 3.02 or 3.03 of the Purchase and Servicing Agreement as of the Funding Date or the date
hereof, as the case may be, Depositor and Assignee shall be entitled to all of the remedies set forth in the Purchase and Servicing
Agreement.

 

Repurchase Upon Breach of Representations
and Warranties

 

13.         (a)          Assignor
hereby covenants and agrees that, if a breach of any representation and warranty set forth in Section 3.03 of the Purchase and
Servicing Agreement exists on the date hereof that materially and adversely affects the value of any Mortgage Loan or the interest
of Assignee in any Mortgage Loan and such breach did not exist as of the Funding Date of that Mortgage Loan, Assignor shall have
a period of 60 days from the earlier of either discovery or receipt of written notice from Assignee to Assignor of such breach
within which to correct or cure such breach. Each determination as to whether there has been such a breach shall be conducted on
a Mortgage Loan-by-Mortgage Loan basis. A breach of representations and warranties in the first sentence of Section 3.03(21) and
Sections 3.03(41) and (52) of the Purchase and Servicing Agreement shall be deemed to materially and adversely affect the value
of the related Mortgage Loan and the interest of the Assignee therein. Assignor hereby covenants and agrees that if any breach
cannot be corrected or cured within such 60 day period, then Assignor shall, at its option, (i) substitute a mortgage loan for
the Defective Mortgage Loan in accordance with the Purchase and Servicing Agreement, (ii) repurchase the related Mortgage Loan
at the Repurchase Price or (iii) except for a breach of a representation and warranty in Section 3.03(52) of the Purchase and Sale
Agreement, make an indemnification payment in an amount equal to the reduction in value of such Mortgage Loan as a result of such
breach not later than 90 days after its discovery or receipt of notice of such breach and in the case of clauses (ii) and (iii)
above, by wire transfer of immediately available funds to such account as Assignee shall specify to Assignor.

 

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(b)          Assignor
and Assignee agree that the resolution of any controversy or claim arising out of or relating to an obligation or alleged obligation
of Assignor to repurchase a Mortgage Loan or Mortgage Loans pursuant to Section 13(a) above shall be by Arbitration administered
by the American Arbitration Association. If any such controversy or claim has not been resolved to the satisfaction of both Assignor
and Assignee, either party may commence Arbitration to resolve the dispute; provided that a party may commence Arbitration with
respect to one or more unresolved allegations only during the months of January, April, July and October, and all matters with
respect to which Arbitration has been commenced in any such month shall be heard in a single Arbitration in the immediately following
month or as soon as practicable thereafter.

 

(c)          To
commence Arbitration, the moving party shall deliver written notice to the other party that it has elected to pursue Arbitration
in accordance with this Section 13, provided that if Assignor has not responded to Assignee's notification of a breach of a representation
and warranty, Assignee shall not commence Arbitration with respect to that breach before 60 days following such notification in
order to provide Assignor with an opportunity to respond to such notification. Within 10 Business Days after a party has provided
notice that it has elected to pursue Arbitration, each party may submit the names of one or more proposed Arbitrators to the other
party in writing. If the parties have not agreed on the selection of an Arbitrator within five Business Days after the first such
submission, then the party commencing Arbitration shall, within the next 5 Business Days, notify the American Arbitration Association
in New York, New York and request that it appoint a single Arbitrator with experience in arbitrating disputes arising in the financial
services industry.

 

(d)          It
is the intention of the parties that Arbitration shall be conducted in as efficient and cost-effective a manner as is reasonably
practicable, without the burden of discovery. Accordingly, the Arbitrator will resolve the dispute on the basis of a review of
the written correspondence between the parties (including any supporting materials attached to such correspondence) conveyed by
the parties to each other in connection with the dispute prior to the delivery of notice to commence Arbitration; however, upon
a showing of good cause, a party may request the Arbitrator to direct the production of such additional information, evidence and/or
documentation from the parties that the Arbitrator deems appropriate. If requested by the Arbitrator or any party, any hearing
with respect to an Arbitration shall be conducted by video conference or teleconference except upon the agreement of both parties
or the request of the Arbitrator.

 

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(e)          The
finding of the Arbitrator shall be final and binding upon the parties. Judgment upon any arbitration award rendered may be entered
and enforced in any court of competent jurisdiction. The costs of the Arbitrator shall be shared equally between both parties.
Each party, however, shall bear its own attorneys fees and costs in connection with the Arbitration.

 

Recognition of Assignee

 

14.         (a)          From
and after the date hereof, subject to Sections 16 and 17 below, PHH shall recognize Assignee as owner of the Mortgage Loans and
will service the Mortgage Loans and perform its obligations hereunder and under the Purchase and Servicing Agreement for the benefit
of the Assignee in accordance with this Agreement and the Purchase and Servicing Agreement, each as modified hereby and as may
be amended from time to time, as if Assignee and PHH had entered into a separate purchase and servicing agreement for the purchase
and servicing of the Mortgage Loans.

 

(b)          [Reserved].

 

(c)          It
is the intention of Assignor, Depositor, PHH and Assignee that this Agreement shall constitute a separate and distinct servicing
agreement, and the entire servicing agreement, between PHH and Assignee to the extent of the Mortgage Loans and shall be binding
upon and for the benefit of the respective successors and assigns of the parties hereto.

 

15.         The
Mortgage Loans shall be serviced by PHH for Assignee in accordance with all applicable state, federal and local laws as well as
in conformity with the provisions of the applicable Mortgages and Mortgage Notes, and pursuant to the terms and conditions of this
Agreement.

 

Continuing Rights and Responsibilities

 

16.         (a)          Controlling
Holder Rights. PHH agrees and acknowledges that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor, in its
capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the Controlling
Holder, will assume all of Assignee's rights and all related responsibilities of the Assignee under each of the following sections
of the Purchase and Servicing Agreement:

 

Purchase
and Servicing Agreement:

 

	Section	 	Matter
	 	 	 
	3.04	 	Repurchase and Substitution
	 	 	 
	7.06	 	Purchaser's Right to Examine Servicer Records; Reports

 

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(b)          Notwithstanding
Sections 1, 2 and 14 above, Assignor reserves its rights under, and does not assign to Assignee or Depositor, the ongoing rights
to take action and the responsibilities of the Purchaser under the sections of the Purchase and Servicing Agreement listed below:

 

Purchase
and Servicing Agreement:

 

	Section	 	Matter
	 	 	 
	3.06	 	Purchase Price Protection
	 	 	 
	Article XIII	 	Compliance with Regulation AB

 

(c)          In
addition, PHH agrees to furnish to Assignor and to Wells Fargo Bank, N.A., as master servicer or securities administrator under
the Pooling and Servicing Agreement (the “Master Servicer”), copies of reports, notices, statements and other communications
required to be delivered to the Assignee by PHH pursuant to any of the sections of the Purchase and Servicing Agreement referred
to above and under the following sections, at the times therein specified:

 

Purchase and Servicing
Agreement:

 

	Section	 	 
	 	 	 
	5.09	 	Transfer of Accounts
	 	 	 
	6.02	 	Reporting
	 	 	 
	Section 13.04	 	Servicer Compliance Statement
	 	 	 
	Section 13.05	 	Report on Assessment of Compliance and Attestation

 

(d)          If
there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights and responsibilities assumed by the Controlling
Holder pursuant to Section 16(a) shall terminate and revert to Assignee.

 

Assignor will provide thirty (30) days
notice to PHH, the Master Servicer and the Trustee of any such termination of which Assignor has knowledge.

 

Amendments to Purchase and Servicing
Agreement

 

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17.         [Reserved].

 

18.         The
parties agree that the Purchase and Servicing Agreement shall be amended, solely with respect to the Mortgage Loans, as follows:

 

(a)          Definitions.

 

(i)          The
definitions of “Arbitration,” “Business Day,” “Designated Guidelines,” “Eligible Account,”
“Opinion of Counsel,” “Permitted Investment,” “Repurchase Price,” “Servicing Fee”
and “Servicing Fee Rate” set forth in Section 1.01 of the Purchase and Servicing Agreement shall be deleted and replaced
in their entirety as follows, and the definition of “Stated Principal Balance” as set forth below shall be added to
Section 1.01 following the definition of “Proprietary Lease” (capitalized terms not defined in the Purchase and Servicing
Agreement but listed on Attachment 3 shall be defined as specified on Attachment 3):

 

Arbitration:
Arbitration in accordance with the then governing Commercial Arbitration Rules of the American Arbitration Association and administered
by the American Arbitration Association, which shall be conducted in New York, New York or other place mutually acceptable to the
parties to the arbitration.

 

Business
Day: Any day other than (i) a Saturday or a Sunday, (ii) a legal holiday in the State of New York, the State of New Jersey,
the State of California, the State of Delaware, the State of Maryland or the State of Minnesota, or (iii) a day on which banks
in the State of New York, the State of New Jersey, the State of California, the State of Delaware, the State of Maryland or the
State of Minnesota are authorized or obligated by law or executive order to be closed.

 

Designated
Guidelines: As to each Mortgage Loan, the applicable set of underwriting guidelines in effect as of the origination date of
such Mortgage Loan, in the form provided by the Seller to the Purchaser, as may be updated and provided to the Purchaser from time
to time.

 

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

 

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Opinion
of Counsel: A written opinion of counsel, who may be salaried counsel for the Person on behalf of whom the opinion is being
given, reasonably acceptable to each Person to whom such opinion is addressed, and which must be Independent outside counsel with
respect to any such opinion of counsel concerning the taxation or the federal income tax status of each REMIC.

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

provided, however, that no instrument
or security shall be a Permitted Investment if such instrument or security evidences a right to receive only interest payments
with respect to the obligations underlying such instrument or if such security provides for payment of both principal and interest
with a yield to maturity in excess of 120% of the yield to maturity at par or if such instrument or security is purchased at a
price greater than par.

 

Repurchase
Price: With respect to any Mortgage Loan, a price equal to (i) the Unpaid Principal Balance of such Mortgage Loan plus (ii) interest
on such Unpaid Principal Balance at the Note Rate from and including the last Due Date through which interest has been paid by
or on behalf of the Mortgagor up to the Due Date following the date of repurchase, minus (iii) amounts received in respect of such
repurchased Mortgage Loan which are being held in the Collection Account for distribution in connection with such Mortgage Loan
and, if the Servicer is also the Seller, minus (iv) any unreimbursed Monthly Advances (including Non-recoverable Advances) and
any unpaid Servicing Fees made by or owing to the Servicer and allocable to such repurchased Mortgage Loan, which amounts shall
be deposited in the Collection Account for withdrawal by the Servicer in accordance with Section 5.05; provided, however,
that Servicer shall only be entitled to reimburse itself for Monthly Advances pursuant to Section 5.05(3) and any unpaid Servicing
Fees pursuant to Section 5.05(4) from Repurchase Price proceeds to the extent that such Monthly Advances and unpaid Servicing Fees
have not been subtracted in accordance with this definition; and provided, further, that, notwithstanding the provisions
of Section 5.05 to the contrary, if Servicer as Seller or Servicer is required to repurchase a Mortgage Loan pursuant to Section
3.04, Servicer’s right to reimburse itself pursuant to Section 5.05(4) shall be subsequent to the payment to Purchaser of
the Repurchase Price pursuant to Section 3.04, and all other amounts required to be paid to the Purchaser with respect to the Mortgage
Loan.

 

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Servicing
Fee: With respect to each Mortgage Loan and any calendar month (or portion thereof) an amount equal to 1/12 of the product
of (i) the Stated Principal Balance of such Mortgage Loan and (ii) the Servicing Fee Rate applicable to such Mortgage Loan.

 

Servicing
Fee Rate: A per annum rate equal to 0.25%.

 

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

 

(b)          Servicing
Standard. In servicing the Mortgage Loans in accordance with the Purchase and Servicing Agreement and Customary Servicing Procedures,
the Servicer shall service the Mortgage Loans with a view to the best interests of all holders of the Sequoia Mortgage Trust 2012-3
Mortgage Pass-Through Certificates as a single class.

 

(c)          Collection
of Mortgage Loan Payments and Segregated Collection Account.

 

(i)          The
following paragraph shall be added to Section 5.02:

 

Mortgage Loan
payments received by the Servicer will be deposited within one Business Day of receipt into a clearing account that is an Eligible
Account. The Mortgage Loan payments may be commingled with payments of other mortgagors and investors for up to two Business Days
prior to the Servicer depositing the Mortgage Loan payments in the 2012-3 Collection Account. Such clearing account shall not be
used for operational or corporate purposes of the Servicer.

 

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(ii)         The
Servicer shall establish a Collection Account pursuant to Section 5.04 of the Purchase and Servicing Agreement which shall be titled
“PHH Mortgage Corporation, as trustee and/or bailee for Christiana Trust, a division of Wilmington Savings Fund Society,
FSB, as trustee of the Sequoia Mortgage Trust 2012-3” (the “2012-3 Collection Account”), which shall be the Collection
Account under this Agreement for all purposes. If the 2012-3 Collection Account is no longer an Eligible Account, the Servicer
shall transfer the 2012-3 Collection Account to an account that is an Eligible Account.

 

(d)          Section
3.04 Repurchase and Substitution.

 

(i)          The
second paragraph of Section 3.04 shall be amended and replaced, to read in its entirety as follows:

 

Upon discovery
by the Seller, the Servicer or the Purchaser of a breach of any of the representations and warranties contained in Sections 3.01,
3.02 or 3.03 that materially and adversely affects the value of the Mortgage Loans or the interest of the Purchaser in the Mortgage
Loans (or that materially and adversely affects the value of the related Mortgage Loan or the interests of the Purchaser in the
related Mortgage Loan, in the case of a representation or warranty relating to a particular Mortgage Loan), the party discovering
such breach shall give prompt written notice to the other. Each determination as to whether there has been such a breach shall
be conducted on a Mortgage Loan-by-Mortgage Loan basis. A breach of representations and warranties in the first sentence of Section
3.03(21) and Sections 3.03(41) and (52) hereof, shall be deemed to materially and adversely affect the value of the related Mortgage
Loan and the interest of the Purchaser therein. With respect to the representations and warranties contained in Section 3.03 that
are made to the Seller’s knowledge, if it is discovered by either the Seller or the Purchaser that the substance of such
representation and warranty is inaccurate and such inaccuracy materially and adversely affects the value of the related Mortgage
Loan or the interests of the Purchaser therein, the Purchaser shall be entitled to all the remedies to which it would be entitled
for a breach of such representation or warranty, including, without limitation, the repurchase requirements contained herein, notwithstanding
Seller’s lack of knowledge with respect to the inaccuracy at the time the representation or warranty was made.

 

(ii)         Clause
(ii) of the second sentence of the third paragraph of Section 3.04 shall be amended and replaced, to read in its entirety as follows:

 

(ii) except
for a breach of the representation and warranty in Section 3.03(52) hereof, make an indemnification payment to Purchaser in an
amount equal to the reduction in value of such Mortgage Loan as a result of such breach.

 

    	13

    	 

    

 

(iii)        The
last sentence of the third paragraph of Section 3.04 shall be amended and replaced, to read in its entirety as follows:

 

If the breach
of representation and warranty that gave rise to the obligation to repurchase or substitute a Mortgage Loan pursuant to this Section
3.04 was the representation and warranty set forth in clause (9) or (41) of Section 3.03 hereof, then the Seller shall pay to the
Purchaser, concurrently with and in addition to the remedies provided in this Section 3.04, an amount equal to any liability, penalty
or expense that was actually incurred and paid out of or on behalf of the Purchaser, and that directly resulted from such breach,
or if incurred and paid by or on behalf of the Purchaser thereafter, concurrently with such payment.

 

(e)          Section
5.01 Servicing Standards; Additional Documents; Consent of Purchaser.

 

(i)          The
first sentence of Section 5.01(3)(c) shall be amended and replaced, to read in its entirety as follows:

 

(c)          consistent
with the terms of this Agreement, and subject to the REMIC Provisions if the Mortgage Loans have been transferred to a REMIC, 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; provided, however, that (unless the Mortgagor is in default with
respect to the Mortgage Loan, or such default is, in the judgment of the Servicer, imminent,
and the Servicer has received the express written consent of the Purchaser) the Servicer shall not enter into any payment plan
or agreement to modify payments with a Mortgagor lasting more than twelve (12) months or permit any modification with respect to
any Mortgage Loan that would change the Mortgage Interest Rate, the Maximum Rate (if applicable), the Initial Rate Cap (if
applicable), the Periodic Rate Cap (if applicable) or the Gross Margin (if applicable), agree to the
capitalization of arrearages, including interest, fees or expenses owed under the Mortgage Loan, make any future advances or extend
the final maturity date with respect to such Mortgage Loan (provided that the Servicer shall in no event extend the final maturity
date past July 25, 2042 or, if such 25th day is not a Business Day, the next succeeding Business Day), or accept substitute or
additional collateral or release any collateral for such Mortgage Loan.

 

(ii) The first three
sentences of Section 5.01(3)(h) shall be amended and replaced, to read in their entirety as follows:

 

    	14

    	 

    

 

(h)          notwithstanding
anything to the contrary contained herein, in connection with a foreclosure or acceptance of a deed in lieu of foreclosure, in
the event the Servicer has reasonable cause to believe that a Mortgaged Property is contaminated by hazardous or toxic substances
or wastes, or if the Purchaser otherwise requests an Environmental Assessment or review of such Mortgaged Property, such Environmental
Assessment or review shall be conducted at the Purchaser’s expense or shall be reimbursable as a Servicing Advance. Upon
completion of the Environmental Assessment, the Servicer shall promptly provide the Purchaser with a written report of the Environmental
Assessment. In the event (a) the Environmental Assessment report indicates that the Mortgaged Property is contaminated by hazardous
or toxic substances or wastes and (b) the Purchaser provides written approval for the Servicer to proceed with foreclosure or acceptance
of a deed in lieu of foreclosure, the Servicer shall be reimbursed for all reasonable costs associated with such foreclosure or
acceptance of a deed in lieu of foreclosure and any related environmental clean up costs, as applicable, from the related Liquidation
Proceeds, or if the Liquidation Proceeds are insufficient to fully reimburse the Servicer, the Servicer shall be entitled to be
reimbursed from amounts in the Collection Account pursuant to Section 5.05 hereof; provided, however, that if the costs
associated with the environmental clean up are projected to exceed $10,000, the Servicer shall notify the Purchaser and shall have
no obligation to proceed with foreclosure or acceptance of a deed in lieu of foreclosure, or otherwise remediate or incur any such
clean up costs.

 

(f)          Section
5.08 Payment of Taxes, Insurance and Other Charges; Maintenance of Primary Insurance Policies; Collections Thereunder.

 

(i)          The
first sentence of the second paragraph of Section 5.08 shall be amended and replaced, to read in its entirety as follows:

 

With respect
to each Mortgage Loan with a Loan-to-Value Ratio in excess of 80%, the Servicer shall promptly, without any cost to the Purchaser,
maintain in full force and effect a Primary Insurance Policy, conforming in all respects to the description set forth in Section
3.03(30) hereof, issued by an insurer described in that Section, with respect to each Mortgage Loan for which such coverage is
required.

 

(ii)         The
fourth sentence of the second paragraph of Section 5.08 shall be amended and replaced, to read in its entirety as follows:

 

The Servicer
shall not cancel or refuse to renew any Primary Insurance Policy in effect on the Funding Date that is required to be kept in force
under this Agreement unless a replacement Primary Insurance Policy for such canceled or nonrenewed policy is obtained from and
maintained with an insurer that satisfies the standards set forth in Section 3.03(30) hereof.

 

    	15

    	 

    

 

(g)          Section
5.13 Realization Upon Specially Serviced Mortgage Loans and REO Properties. The second sentence of the first paragraph of Section
5.13 shall be amended and replaced, to read in its entirety as follows:

 

In the event
that any payment due under any Mortgage Loan remains delinquent for a period of 45 days, the Servicer shall order an inspection
of the related Mortgaged Property and, except with respect to any Mortgage Loan for which the Servicer is in the process of modifying
or has modified the terms of such Mortgage Loan, if the Mortgage Loan remains delinquent for a period of 90 days or more, the Servicer
shall commence foreclosure proceedings in accordance with Customary Servicing Procedures and the guidelines set forth by Fannie
Mae, Freddie Mac, or FHFA, and FHA or VA, as applicable.

 

(h)          Section
8.02 Purchaser Financial Statements. Section 8.02 shall be amended and replaced, to read in its entirety as follows:

 

Section 8.02
[Reserved].

 

(i)          Section
11.01 Term and Termination. Clause (2) of Section 11.01 shall be amended and replaced, to read in its entirety as follows:

 

(2)         In
any case other than as provided under clause (1) hereof, the obligations and responsibilities of the Servicer hereunder shall terminate
upon: the later of (a)(I) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan
and (II) the disposition of all REO Property and the remittance of all funds due hereunder and (b) the exercise of a party of its
Clean-up Call (as such term is defined in the Pooling and Servicing Agreement).

 

(j)          REMIC
Provisions.

 

(i)          The
following definition of “REMIC Provisions” is hereby added to Section 1.01 of the Purchase and Servicing Agreement
(capitalized terms not defined in the Purchase and Servicing Agreement to be as defined in the Pooling and Servicing
Agreement):

 

REMIC Provisions:Sections
860A through 860G of the Internal Revenue Code; such other provisions of the Code as relate to an entity created thereunder; the
regulations promulgated pursuant such sections and provisions of the Code; and published guidance issued by the Internal Revenue
Service relating to such Code sections and regulations.

 

(ii)         The
following additional provisions shall be added after Section 7.07, to read in its entirety as follows:

 

    	16

    	 

    

 

Section
7.08         Compliance with REMIC Provisions

 

If a REMIC
election has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, the Servicer shall
not take any action, cause the REMIC to take any action or fail to take (or fail to cause to be taken) any action that, under the
REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger the status of the REMIC as a REMIC or (ii) result
in the imposition of a tax upon the REMIC (including but not limited to the tax on “prohibited transactions” as defined
in Section 860F(a)(2) of the Code and the tax on “contributions” to a REMIC set forth in Section 860G(d) of the Code)
unless the Servicer has received an Opinion of Counsel (at the expense of the party seeking to take such action) to the effect
that the contemplated action will not endanger such REMIC status or result in the imposition of any such tax.

 

(iii)        The
following paragraph shall be added to the end of Section 11.13, to read in its entirety as follows:

 

If a Mortgage
Loan is held by a REMIC, the Servicer shall not acquire any real property (or personal property incident to such real property)
in respect of such Mortgage Loan except in connection with a default or imminent default of such Mortgage Loan. In the event that
a REMIC 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 such REMIC unless the Servicer provides to the Purchaser and the Trustee and the Securities
Administrator under the Pooling and Servicing Agreement an Opinion of Counsel to the effect that the holding by such REMIC of such
Mortgaged Property subsequent to three years after its acquisition will not result in the imposition of taxes on “prohibited
transactions” on such REMIC 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 such REMIC is located or cause such REMIC 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 such REMIC is located
at any time that any mortgage pass-through certificates representing interests in such REMIC are outstanding. The Servicer shall
conserve, protect and operate each such property for such REMIC 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 such 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 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 Purchaser and the Trustee and the Securities Administrator under the Pooling and
Servicing Agreement 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.

 

    	17

    	 

    

 

(k)          Form
of Monthly Report.         The Servicer shall provide monthly accounting
reports to the Purchaser and Master Servicer, pursuant to Section 6.02 of the Purchase and Servicing Agreement, with the information
included in the ASF RMBS Reporting Package issued by the American Securitization Forum on July 15, 2009, as revised from time to
time, to the extent available.

 

(l)          Avoidance
of Consolidation.

 

(i)          An
additional “Event of Default” shall be listed in Section 10.01, to be inserted after clause (10), to read in its entirety
as follows:

 

or (11)
the purchase or holding of any securities issued in a Securitization Transaction by any Servicer that is an insured depository
institution, as such term is defined in the Federal Deposit Insurance Act (an “insured depository institution”) (any
Servicer that is an insured depository institution, an “IDI Servicer”) such that the IDI Servicer is required to consolidate
any of the Mortgage Loans on its financial statements under U.S. generally accepted accounting principles;

 

(ii)         The
following Section 9.05 shall be inserted after Section 9.04, to read in its entirety as follows:

 

Section 9.05         Avoidance
of Consolidation.

 

(a)          Each
IDI Servicer hereby covenants and agrees that it shall not hold or purchase any certificate (a “Certificate”) issued
by the trust created by the Pooling and Servicing Agreement referred to herein (the “Trust”) as part of the initial
offering of Certificates or if its holding or purchase of such Certificate (or interest therein) would cause such IDI Servicer
to be required to consolidate any assets of the issuing entity on its financial statements under U.S. generally accepted accounting
principles (“Consolidate” or “Consolidation”). Any IDI Servicer shall be deemed to have represented by
virtue of its purchase or holding of such Certificate (or interest therein) that its holding or purchase of such Certificate (or
interest therein) will not cause such IDI Servicer to be required to Consolidate any assets of the issuing entity on its financial
statements.

 

    	18

    	 

    

 

If an IDI
Servicer's holding or purchase of a Certificate (or interest therein) does in fact cause such Consolidation, then the last preceding
transferee that is not required to Consolidate shall be restored, to the extent permitted by law, to all rights and obligations
as owner of such Certificate retroactive to the date of such transfer of such Certificate. If an IDI Servicer holds or purchases
a Certificate (or interest therein) in violation of the restrictions in this Section 9.05 and to the extent that the retroactive
restoration of the rights of the owner of such Certificate as described in the immediately preceding sentence shall be invalid,
illegal or unenforceable, then the Securities Administrator shall have the right, without notice to the owner or any prior owner
of such Certificate, to sell such Certificate to a purchaser selected by the Securities Administrator on such terms as the Securities
Administrator may choose. The IDI Servicer shall promptly endorse and deliver such Certificate in accordance with the instructions
of the Securities Administrator. The proceeds of such sale, net of the commissions (which may include commissions payable to the
Securities Administrator or its affiliates), expenses and taxes due, if any, shall be remitted by the Securities Administrator
to the IDI Servicer. The terms and conditions of any sale under this Section 9.05 shall be determined in the sole discretion of
the Securities Administrator, and the Securities Administrator shall not be liable to any owner of a Certificate as a result of
its exercise of such discretion. The IDI Servicer shall indemnify and hold harmless the Depositor and the Trust from and against
any and all losses, liabilities, claims, costs or expenses incurred by such parties as a result of such holding or purchase resulting
in a Consolidation.

 

(b)          The
Servicer covenants and agrees that it shall not transfer its servicing rights and duties under this Agreement to an insured depository
institution (an insured depository institution in such capacity, a “servicer transferee”) unless the Servicer shall
have received a representation from the servicer transferee that the acquisition of such servicing rights and duties will not cause
the servicer transferee to be required to Consolidate any assets of the Trust on its financial statements. Any servicer transferee
shall be deemed to have represented by virtue of its acquisition of such servicing rights and duties that such acquisition will
not cause Consolidation. Any servicer transferee whose acquisition of such servicing rights and duties was effected in violation
of the restrictions in this Section 9.05 shall indemnify and hold harmless the Servicer, the Depositor and the Trust from and against
any and all losses, liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition.

 

    	19

    	 

    

 

(m)          The
Designated Guidelines attached as Exhibit 1.01 are hereby removed from the Purchase and Servicing Agreement and the reference to
Designated Guidelines in the Table of Contents shall be replaced with “[Reserved.]”

 

(n)          The
first sentence of Section 5.14 is hereby deleted and replaced in its entirety with the following:

 

If title to
any Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure (each, an “REO Property”), the
deed or certificate of sale shall be taken in the name of the Trust, where permitted by applicable law or regulation, and where
not so permitted, in the name of the trustee of the Trust or its nominee.

 

(o)          Servicer
Reports. The Servicer shall provide monthly reports to the Purchaser pursuant to Section 6.02 in the formats attached hereto
as Exhibits 13 and 14, or in such other format as the Servicer, the Purchaser and the Depositor shall agree in writing.

 

(p)          Indemnification
Expenses. The second sentence of Section 9.01 is hereby deleted and replaced in its entirety with the following:

 

The Seller
or Servicer, as the case may be, shall immediately (i) notify the Purchaser if a claim is made by a third party with respect to
this Agreement, any Mortgage Loan and/or any REO Property (ii) assume the defense of any such claim and pay all expenses in connection
therewith, including attorneys’ fees, and (iii) promptly pay, discharge and satisfy any judgment, award, or decree that may
be entered against it or the Purchaser in respect of such claim.

 

19.         The
rights under the Purchase and Servicing Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be
under the Purchase and Servicing Agreement as amended by this Agreement.

 

Miscellaneous

 

20.         All
demands, notices and communications related to the Mortgage Loans, the Purchase and Servicing Agreement and this Agreement shall
be in writing and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid,
as follows:

 

		(a)	In the case of PHH,

 

PHH Mortgage Corporation

One Mortgage Way

Mount Laurel, New Jersey
08054

Attention: Vice President
Servicing

 

    	20

    	 

    

 

with a copy to

 

PHH Mortgage Corporation

One Mortgage Way

Mount Laurel, New Jersey
08054

Attention: Fred Kinkler,
Assistant General Counsel

 

		(b)	In the case of Assignee,

 

Christiana Trust, a division
of Wilmington Savings Fund Society, FSB

500 Delaware Avenue,
11th Floor

Wilmington, Delaware,
19801

Attention: Corporate
Trust

 

		(c)	In the case of Depositor,

 

Sequoia Residential Funding,
Inc.

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

		(d)	In the case of Assignor,

 

Redwood Residential Acquisition
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

		(e)	In the case of the Master Servicer,

 

Wells Fargo Bank, N.A.

9062 Old Annapolis Road

Columbia, Maryland 21045

 

Telephone number: (410)
884-2000

Facsimile number: (410)
715-2380

Attention: Client Manager
— Sequoia Mortgage Trust 2012-3

 

    	21

    	 

    

 

		(f)	In the case of the Controlling Holder,

 

Sequoia Mortgage Funding
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

21.         This
Agreement shall be construed in accordance with the laws of the State of New York, except to the extent preempted by Federal law,
and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws, without regard
to the conflicts of laws provisions of the State of New York or any other jurisdiction.

 

22.         No
term or provision of this Agreement may be waived or modified unless such waiver or modification is in writing and signed by the
party against whom such waiver or modification is sought to be enforced.

 

23.         This
Agreement shall inure to the benefit of the successors and assigns of the parties hereto. Any entity into which Assignor, Depositor,
Assignee or PHH may be merged or consolidated shall, without the requirement for any further writing, be deemed Assignor, Depositor,
Assignee or PHH, respectively, hereunder.

 

24.         This
Agreement shall survive the conveyance of the Mortgage Loans, the assignment the Purchase and Servicing Agreement by Assignor to
Assignee, and the termination of the Purchase and Servicing Agreement.

 

25.         This
Agreement may be executed simultaneously in any number of counterparts. Each counterpart shall be deemed to be an original, and
all such counterparts shall constitute one and the same instrument.

 

26.         The
Controlling Holder under the Pooling and Servicing Agreement is an express third party beneficiary of this Agreement, and shall
have the same power and ability to exercise and enforce the rights stated to be provided to it hereunder as if it were a signatory
hereto. PHH hereby consents to such exercise and enforcement.

 

    	22

    	 

    

 

27.         It
is expressly understood and agreed by the parties hereto that insofar as this Agreement is executed by the Trustee as the Assignee
(i) this Agreement is executed and delivered by Christiana Trust, a division of Wilmington Savings Fund Society, FSB (“Christiana
Trust”) not in its individual capacity but solely as Trustee on behalf of the trust created by the Pooling and Servicing
Agreement referred to herein (the “Trust”) in the exercise of the powers and authority conferred upon and vested in
it, and as directed in the Pooling and Servicing Agreement, (ii) each of the undertakings and agreements herein made on behalf
of the Trust is made and intended not as a personal undertaking or agreement of or by Christiana Trust but is made and intended
for purposes of binding only the Trust, (iii) nothing herein contained shall be construed as creating any liability on the part
of Christiana Trust, individually or personally, to perform any covenant either express or implied in this Agreement, all such
liability, if any, being expressly waived by the parties hereto and by any person claiming by, through or under the parties hereto,
and (iv) under no circumstances shall Christiana Trust in its individual capacity or in its capacity as Trustee be personally liable
for the payment of any indebtedness, amounts or expenses owed by the Purchaser under the Servicing Agreement (such indebtedness,
expenses and other amounts being payable solely from and to the extent of funds of the Trust) or be personally liable for the breach
or failure of any obligation, representation, warranty or covenant made under this Agreement or any other related documents.

 

28.         Master
Servicer. PHH hereby acknowledges that the Assignee has appointed Wells Fargo Bank, N.A. to act as master servicer and securities
administrator under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, demands, instructions, authorizations
and other communications from the Master Servicer as if the same had been received from the Assignee. The Master Servicer, acting
on behalf of the Assignee, shall have the rights of the Assignee hereunder and the rights of the Assignee as the Purchaser under
the Purchase and Servicing Agreement, including, without limitation, the right to enforce the obligations of the Seller and Servicer
hereunder and thereunder and the right to exercise the remedies of the Purchaser hereunder and thereunder, except to the extent
such rights have been retained by the Assignor under Section 16 hereof.

 

29.         PHH
shall make all remittances due by it to the Purchaser with respect to the Mortgage Loans to the following account by wire transfer
of immediately available funds:

 

Wells Fargo Bank, N.A.

San Francisco, California

ABA# 121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #48066700, Sequoia
Mortgage Trust 2012-3 Distribution Account

 

30.         PHH
acknowledges that the custodian will be Wells Fargo Bank, N.A. acting pursuant to the Custodial Agreement. Requests for Mortgage
Loan Documents under Section 2.04 of the Purchase and Servicing Agreement shall be directed to Wells Fargo Bank, N.A., as custodian,
using the form of Request for Release in the form of Exhibit F hereto. PHH shall provide the Custodian with the specimen signatures
of PHH's authorized servicing representatives using the form in Exhibit D-3 hereto. Notwithstanding Section 2.04 of the Purchase
and Servicing Agreement, PHH shall pay shipping expenses for any Mortgage Loan Documents if there has been a breach of any representation
or warranty made with respect to the related Mortgage Loan in Section 3.03 of the Purchase and Servicing Agreement.

 

    	23

    	 

    

 

31.         Assignor
hereby requests that PHH furnish each Mortgagor with the notice described in Section 2.07 of the Purchase and Servicing Agreement,
in accordance with the terms of Section 2.07 therein, and PHH hereby covenants that it shall furnish each Mortgagor with such notice
as provided therein.

 

32.         PHH
hereby agrees that it shall provide information with respect to the Mortgage Loans or the origination or servicing thereof to any
Rating Agency or nationally recognized statistical rating organization (“NRSRO”) via electronic mail at rmbs17g5informationprovider@wellsfargo.com,
with a subject reference of “SEMT 2012-3” and an identification of the type of information being provided in the body
of such electronic mail. The Securities Administrator, as the initial Rule 17g-5 Information Provider (the “Rule 17g-5 Information
Provider”) shall notify PHH in writing of any change in the identity or contact information of the Rule 17g-5 Information
Provider. PHH shall have no liability for (i) the Rule 17g-5 Information Provider’s failure to post information provided
by it in accordance with the terms of this Agreement or (ii) any malfunction or disabling of the website maintained by the Rule
17g-5 Information Provider. None of the foregoing restrictions in this Section 31 prohibit or restrict oral or written communications,
or providing information, between PHH, on the one hand, and any Rating Agency or NRSRO, on the other hand, with regard to (i) such
Rating Agency’s or NRSRO’s review of the ratings it assigns to PHH, (ii) such Rating Agency’s or NRSRO’s
approval of PHH as a residential mortgage master, special or primary servicer, or (iii) such Rating Agency’s or NRSRO’s
evaluation of PHH’s origination or servicing operations in general; provided, however, that PHH shall not provide any information
relating to the Mortgage Loans to such Rating Agency or NRSRO in connection with such review and evaluation by such Rating Agency
or NRSRO unless: (x) borrower, property or deal specific identifiers are redacted; or (y) such information has already been provided
to the Rule 17g-5 Information Provider.

 

[REMAINDER OF THIS PAGE INTENTIONALLY LEFT
BLANK]

 

    	24

    	 

    

 

IN WITNESS WHEREOF,
the parties hereto have executed this Agreement the day and year first above written.

 

	 	REDWOOD RESIDENTIAL ACQUISITION 
 CORPORATION
	 	Assignor	 
	 	 	 	 
	 	By:	/s/ John Isbrandtsen	 
	 	Name:  	John Isbrandtsen 	 
	 	Title:	Authorized Officer	 
	 	 	 	 
	 	SEQUOIA RESIDENTIAL FUNDING, INC.
	 	Depositor
	 	 	 	 
	 	By:	/s/ John Isbrandtsen	 
	 	Name:	John Isbrandtsen 	 
	 	Title:	Authorized Officer	 
	 	 	 	 
	 	Christiana Trust, a division of 
 Wilmington Savings Fund Society, FSB, 
 not in its individual capacity but solely as Trustee,
	 	Assignee	 
	 	 	 	 
	 	By:	/s/ Jeffrey R. Everhart	 
	 	Name:	Jeffrey R. Everhart	 
	 	Title:	AVP	 
	 	 	 	 
	 	PHH MORTGAGE CORPORATION
	 	 	 	 
	 	By:	/s/ Allyn Brown	 
	 	Name:	Allyn Brown	 
	 	Title:	Vice President	 

 

	Accepted and agreed to by:	 	 
	 	 	 	 
	WELLS FARGO BANK, N.A.	 	 
	Master Servicer	 	 
	 	 	 	 
	By:	/s/ Graham M. Oglesby	 	 
	Name:  	Graham M. Oglesby	 	 
	Title:	Vice President	 	 

 

Signature Page to Assignment, Assumption and Recognition Agreement
– PHH (SEMT 2012-3)

 

    	 

    	 

    

 

ATTACHMENT 1

 

MORTGAGE LOAN SCHEDULE

 

	 	1	2	3	4	5	6	7	8	9	10
	KEY	Primary Servicer	Servicing Fee %	Servicing Fee—Flatdollar	Servicing Advance Methodology	Originator	Loan Group	Loan Number	Amortization Type	Lien Position	HELOC Indicator
	1	1000200	0.002500	 	 	1000200	 	2000002633	1	1	0
	2	1000200	0.002500	 	 	1000200	 	2000002221	1	1	0
	3	1000200	0.002500	 	 	1000200	 	2000002304	1	1	0
	4	1000200	0.002500	 	 	1000200	 	2000002412	1	1	0
	5	1000200	0.002500	 	 	1000200	 	2000002475	1	1	0
	6	1000200	0.002500	 	 	1000200	 	2000001336	1	1	0
	7	1000200	0.002500	 	 	1000200	 	2000001434	1	1	0
	8	1000200	0.002500	 	 	1000200	 	2000001731	1	1	0
	9	1000200	0.002500	 	 	1000200	 	2000002013	1	1	0
	10	1000200	0.002500	 	 	1000200	 	2000002171	1	1	0
	11	1000200	0.002500	 	 	1000200	 	2000001988	1	1	0
	12	1000200	0.002500	 	 	1000200	 	2000002330	1	1	0
	13	1000200	0.002500	 	 	1000200	 	2000002652	1	1	0
	14	1000200	0.002500	 	 	1000200	 	2000003250	1	1	0
	15	1000200	0.002500	 	 	1000200	 	2000002709	1	1	0
	16	1000200	0.002500	 	 	1000200	 	2000003028	1	1	0
	17	1000200	0.002500	 	 	1000200	 	2000002781	1	1	0
	18	1000200	0.002500	 	 	1000200	 	2000003771	1	1	0
	19	1000200	0.002500	 	 	1000200	 	2000003765	1	1	0

 

	 	11	12	13	14	15	16	17	18	19	20
	KEY	Loan Purpose	Cash Out Amount	Total Origination and Discount Points	Covered/High Cost Loan Indicator	Relocation Loan Indicator	Broker Indicator	Channel	Escrow Indicator	Senior Loan
 Amount(s)	Loan Type of Most
 Senior Lien
	1	3	 	 	 	 	 	1	4	0	 
	2	7	 	 	 	 	 	1	4	0	 
	3	7	 	 	 	 	 	1	4	0	 
	4	9	 	 	 	 	 	1	4	0	 
	5	6	 	 	 	 	 	1	0	0	 
	6	9	 	 	 	 	 	1	0	0	 
	7	9	 	 	 	 	 	1	0	0	 
	8	9	 	 	 	 	 	1	0	0	 
	9	9	 	 	 	 	 	1	0	0	 
	10	9	 	 	 	 	 	1	0	0	 
	11	9	 	 	 	 	 	1	0	0	 
	12	9	 	 	 	 	 	1	4	0	 
	13	9	 	 	 	 	 	1	4	0	 
	14	7	 	 	 	 	 	1	4	0	 
	15	3	 	 	 	 	 	1	0	0	 
	16	7	 	 	 	 	 	1	4	0	 
	17	6	 	 	 	 	 	1	4	0	 
	18	7	 	 	 	 	 	1	4	0	 
	19	6	 	 	 	 	 	1	0	0	 

 

	 	21	22	23	24	25	26	27	28	29	30
	KEY	Hybrid Period of
 Most Senior Lien (in
 months)	Neg Am Limit of
 Most Senior Lien	Junior Mortgage
 Balance	Origination Date of
 Most Senior Lien	Origination Date	Original Loan
 Amount	Original Interest
 Rate	Original
 Amortization Term	Original Term to
 Maturity	First Payment Date
 of Loan
	1	 	 	0.00	 	20120504	665700.00	0.046250	360	360	20120701
	2	 	 	0.00	 	20111223	889471.00	0.048750	360	360	20120201
	3	 	 	0.00	 	20111216	1243500.00	0.047500	360	360	20120201
	4	 	 	0.00	 	20120210	825000.00	0.047500	360	360	20120401
	5	 	 	0.00	 	20120130	1085000.00	0.046250	360	360	20120301
	6	 	 	425000.00	 	20111223	972993.00	0.048750	360	360	20120201
	7	 	 	0.00	 	20111028	1011940.00	0.046250	360	360	20111201
	8	 	 	0.00	 	20111118	545642.00	0.045000	360	360	20120101
	9	 	 	0.00	 	20120215	750432.00	0.048750	360	360	20120401
	10	 	 	0.00	 	20120320	917750.00	0.046250	360	360	20120501
	11	 	 	0.00	 	20111229	628000.00	0.047500	360	360	20120201
	12	 	 	0.00	 	20120405	731000.00	0.046250	360	360	20120601
	13	 	 	0.00	 	20120315	798000.00	0.045000	360	360	20120501
	14	 	 	0.00	 	20120330	800000.00	0.042500	360	360	20120501
	15	 	 	0.00	 	20120409	570281.47	0.046250	360	360	20120501
	16	 	 	0.00	 	20120327	465000.00	0.047500	360	360	20120501
	17	 	 	0.00	 	20120316	1000000.00	0.047500	360	360	20120501
	18	 	 	0.00	 	20120425	520000.00	0.048750	360	360	20120601
	19	 	 	0.00	 	20120424	944000.00	0.047500	360	360	20120601

 

	 	31	32	33	34	35	36	37	38	39	40
	KEY	Interest Type
 Indicator	Original Interest
 Only Term	Buy Down Period	HELOC Draw Period	Current Loan
 Amount	Current Interest
 Rate	Current Payment
 Amount Due	Interest Paid
 Through Date	Current Payment
 Status	Index Type
	1	1	0	0	0	665700.00	0.046250	3422.63	20120601	0	0
	2	1	0	0	0	883958.02	0.048750	4707.15	20120601	0	0
	3	1	0	0	0	1235615.37	0.047500	6486.68	20120601	0	0
	4	1	0	0	0	818861.87	0.047500	4303.59	20120601	0	0
	5	1	0	0	0	1079381.05	0.046250	5578.41	20120601	0	0
	6	1	0	0	0	966962.30	0.048750	5149.16	20120601	0	0
	7	1	0	0	0	1002715.67	0.046250	5202.78	20120601	0	0
	8	1	0	0	0	540598.37	0.045000	2764.69	20120601	0	0
	9	1	0	0	0	747652.58	0.048750	3971.35	20120601	0	0
	10	1	0	0	0	906377.54	0.046250	4718.52	20120601	0	0
	11	1	0	0	0	624018.02	0.047500	3275.95	20120601	0	0
	12	1	0	0	0	730059.04	0.046250	3758.36	20120601	0	0
	13	1	0	0	0	792619.61	0.045000	4043.35	20120601	0	0
	14	1	0	0	0	798897.81	0.042500	3935.52	20120601	0	0
	15	1	0	0	0	568810.46	0.046250	2932.04	20120601	0	0
	16	1	0	0	0	463827.59	0.047500	2425.66	20120601	0	0
	17	1	0	0	0	997478.72	0.047500	5216.47	20120601	0	0
	18	1	0	0	0	519360.61	0.048750	2751.88	20120601	0	0
	19	1	0	0	0	942812.31	0.047500	4924.35	20120601	0	0

 

	 	41	42	43	44	45	46	47	48	49	50
	KEY	ARM Look-back
 Days	Gross Margin	ARM Round Flag	ARM Round Factor	Initial Fixed Rate
 Period	Initial Interest Rate
 Cap (Change Up)	Initial Interest Rate
 Cap (Change Down)	Subsequent Interest
 Rate Reset Period	Subsequent Interest
 Rate Cap (Change Down)	Subsequent Interest
 Rate Cap (Change
 Up)
	1	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 
	14	 	 	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 

 

	 	51	52	53	54	55	56	57	58	59	60
	KEY	Lifetime Maximum
 Rate (Ceiling)	Lifetime Minimum
 Rate (Floor)	Negative
 Amortization Limit	Initial Negative
 Amortization Recast
 Period	Subsequent
 Negative
 Amortization Recast
 Period	Initial Fixed
 Payment Period	Subsequent
 Payment Reset
 Period	Initial Periodic
 Payment Cap	Subsequent
 Periodic Payment
 Cap	Initial Minimum
 Payment Reset
 Period
	1	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 
	14	 	 	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 

 

	 	61	62	63	64	65	66	67	68	69	70
	KEY	Subsequent
 Minimum Payment
 Reset Period	Option ARM
 Indicator	Options at Recast	Initial Minimum
 Payment	Current Minimum
 Payment	Prepayment Penalty
 Calculation	Prepayment Penalty
 Type	Prepayment Penalty
 Total Term	Prepayment Penalty
 Hard Term	Primary Borrower ID
	1	 	 	 	 	 	 	 	0	 	200
	2	 	 	 	 	 	 	 	0	 	153
	3	 	 	 	 	 	 	 	0	 	117
	4	 	 	 	 	 	 	 	0	 	16
	5	 	 	 	 	 	 	 	0	 	78
	6	 	 	 	 	 	 	 	0	 	167
	7	 	 	 	 	 	 	 	0	 	219
	8	 	 	 	 	 	 	 	0	 	166
	9	 	 	 	 	 	 	 	0	 	148
	10	 	 	 	 	 	 	 	0	 	160
	11	 	 	 	 	 	 	 	0	 	92
	12	 	 	 	 	 	 	 	0	 	107
	13	 	 	 	 	 	 	 	0	 	296
	14	 	 	 	 	 	 	 	0	 	119
	15	 	 	 	 	 	 	 	0	 	291
	16	 	 	 	 	 	 	 	0	 	132
	17	 	 	 	 	 	 	 	0	 	37
	18	 	 	 	 	 	 	 	0	 	194
	19	 	 	 	 	 	 	 	0	 	62

 

	 	71	72	73	74	75	76	77	78	79	80
	KEY	Number of
 Mortgaged
 Properties	Total Number of
 Borrowers	Self-employment
 Flag	Current ‘Other’
 Monthly Payment	Length of
 Employment:
 Borrower	Length of
 Employment: Co-
 Borrower	Years in Home	FICO Model Used	Most Recent FICO
 Date	Primary Wage
 Earner Original
 FICO: Equifax
	1	2	 	0	 	7.9	 	0.83	1	 	 
	2	2	 	1	 	4	 	0	1	5/16/2012	 
	3	2	 	0	 	5.75	 	0	1	5/16/2012	 
	4	1	 	0	 	2.8	8.7	6	1	 	 
	5	2	 	0	 	14	7	0	1	 	 
	6	1	 	0	 	0	 	19.92	1	5/16/2012	 
	7	1	 	1	 	23.25	 	8.67	1	5/16/2012	 
	8	1	 	0	 	1.44	 	1.25	1	5/16/2012	 
	9	2	 	0	 	5.66	 	2.25	1	 	 
	10	1	 	0	 	6.3	 	10.63	1	 	 
	11	1	 	0	 	2.33	 	4.5	1	5/16/2012	 
	12	1	 	0	 	3.85	 	7.92	1	 	 
	13	1	 	1	 	9.4	 	3.75	1	 	 
	14	2	 	0	 	0.3	 	0	1	 	 
	15	1	 	1	 	7.7	 	13.42	1	 	 
	16	3	 	0	 	0.2	36.3	0	1	 	 
	17	1	 	0	 	4.87	2.7	0	1	 	 
	18	3	 	0	 	3.4	 	0	1	 	 
	19	1	 	0	 	0.77	 	0	1	 	 

 

	 	81	82	83	84	85	86	87	88	89	90
	KEY	Primary Wage
 Earner Original
 FICO: Experian	Primary Wage
 Earner Original
 FICO: TransUnion	Secondary Wage
 Earner Original
 FICO: Equifax	Secondary Wage
 Earner Original
 FICO: Experian	Secondary Wage
 Earner Original
 FICO: TransUnion	Original
 Primary Borrower
 FICO	Most Recent
 Primary Borrower
 FICO	Most Recent Co-
 Borrower FICO	Most Recent FICO
 Method	VantageScore:
 Primary Borrower
	1	 	 	 	 	 	763	 	 	 	 
	2	 	 	 	 	 	773	762	 	 	 
	3	 	 	 	 	 	793	754	 	 	 
	4	 	 	 	 	 	768	 	 	 	 
	5	 	 	 	 	 	708	 	 	 	 
	6	 	 	 	 	 	791	775	 	 	 
	7	 	 	 	 	 	790	767	 	 	 
	8	 	 	 	 	 	791	781	 	 	 
	9	 	 	 	 	 	714	 	 	 	 
	10	 	 	 	 	 	796	 	 	 	 
	11	 	 	 	 	 	812	809	 	 	 
	12	 	 	 	 	 	775	 	 	 	 
	13	 	 	 	 	 	767	 	 	 	 
	14	 	 	 	 	 	809	 	 	 	 
	15	 	 	 	 	 	781	 	 	 	 
	16	 	 	 	 	 	723	 	 	 	 
	17	 	 	 	 	 	758	 	 	 	 
	18	 	 	 	 	 	701	 	 	 	 
	19	 	 	 	 	 	778	 	 	 	 

 

	 	91	92	93	94	95	96	97	98	99	100
	KEY	VantageScore: Co-
 Borrower	Most Recent
 VantageScore
 Method	VantageScore Date	Credit Report:
 Longest Trade Line	Credit Report:
 Maximum Trade
 Line	Credit Report:
 Number of Trade
 Lines	Credit Line Usage
 Ratio	Most Recent 12-
 month Pay History	Months Bankruptcy	Months Foreclosure
	1	 	 	 	 	 	 	 	000000000000	 	 
	2	 	 	 	 	 	 	 	000000000000	 	 
	3	 	 	 	 	 	 	 	000000000000	 	 
	4	 	 	 	 	 	 	 	000000000000	 	 
	5	 	 	 	 	 	 	 	000000000000	 	 
	6	 	 	 	 	 	 	 	000000000000	 	 
	7	 	 	 	 	 	 	 	000000000000	 	 
	8	 	 	 	 	 	 	 	000000000000	 	 
	9	 	 	 	 	 	 	 	000000000000	 	 
	10	 	 	 	 	 	 	 	000000000000	 	 
	11	 	 	 	 	 	 	 	000000000000	 	 
	12	 	 	 	 	 	 	 	000000000000	 	 
	13	 	 	 	 	 	 	 	000000000000	 	 
	14	 	 	 	 	 	 	 	000000000000	 	 
	15	 	 	 	 	 	 	 	000000000000	 	 
	16	 	 	 	 	 	 	 	000000000000	 	 
	17	 	 	 	 	 	 	 	000000000000	 	 
	18	 	 	 	 	 	 	 	000000000000	 	 
	19	 	 	 	 	 	 	 	000000000000	 	 

 

	 	101	102	103	104	105	106	107	108	109	110
	KEY	Primary Borrower
 Wage Income	Co-Borrower Wage
 Income	Primary Borrower
 Other Income	Co-Borrower Other
 Income	All Borrower Wage
 Income	All Borrower Total
 Income	4506-T Indicator	Borrower Income
 Verification Level	Co-Borrower
 Income Verification	Borrower
 Employment
 Verification
	1	12000.00	 	15066.00	 	12000.00	27066.00	0	5	 	3
	2	10241.00	 	14812.16	 	10241.00	25053.16	1	5	 	3
	3	26204.33	 	123.21	 	26204.33	26327.54	1	5	 	3
	4	15058.00	19112.00	0.00	0.00	34170.00	34170.00	1	5	 	3
	5	33007.33	6250.01	70.16	-682.33	39257.34	38645.17	1	5	 	3
	6	0.00	 	92356.00	 	0.00	92356.00	0	5	 	3
	7	50589.43	 	0.00	 	50589.43	50589.43	1	5	 	3
	8	15416.67	 	0.00	 	15416.67	15416.67	0	5	 	3
	9	30000.00	0.00	0.00	0.00	30000.00	30000.00	0	5	 	3
	10	16552.00	 	0.00	 	16552.00	16552.00	0	5	 	2
	11	27490.37	 	0.00	 	27490.37	27490.37	0	5	 	3
	12	13020.83	0.00	6000.00	0.00	13020.83	19020.83	0	5	 	3
	13	39183.00	0.00	0.00	0.00	39183.00	39183.00	0	4	 	3
	14	19167.00	0.00	628.00	0.00	19167.00	19795.00	0	5	 	3
	15	31924.00	0.00	-569.00	0.00	31924.00	31355.00	0	5	 	3
	16	0.00	12842.00	5644.00	3193.00	12842.00	21679.00	0	5	 	3
	17	20833.00	9013.00	27083.33	0.00	29846.00	56929.33	0	5	 	3
	18	15596.00	0.00	981.00	298.00	15596.00	16875.00	0	5	 	3
	19	23333.33	0.00	0.00	0.00	23333.33	23333.33	0	4	 	3

 

	 	111	112	113	114	115	116	117	118	119	120
	KEY	Co-Borrower
 Employment
 Verification	Borrower Asset
 Verification	Co-Borrower Asset
 Verification	Liquid / Cash
 Reserves	Monthly Debt All
 Borrowers	Originator DTI	Fully Indexed Rate	Qualification
 Method	Percentage of Down
 Payment from
 Borrower Own
 Funds	City
	1	 	4	 	26949.38	8287.61	0.3062	 	 	 	SEATTLE
	2	 	4	 	309671.69	8976.55	0.3583	 	 	100	CHATSWORTH
	3	 	4	 	155807.42	12010.62	0.4562	 	 	100	NORTHFIELD
	4	 	4	 	34782.51	6488.88	0.1899	 	 	 	EVANSTON
	5	 	4	 	413501.75	16536.27	0.4279	 	 	100	STUDIO CITY
	6	 	4	 	190028.32	10944.19	0.1185	 	 	0	ATHERTON
	7	 	4	 	137681.49	7983.01	0.1578	 	 	0	DANVILLE
	8	 	4	 	420783.96	4583.38	0.2973	 	 	 	HOUSTON
	9	 	4	 	1281401.73	7512.00	0.2504	 	 	 	BELLAIRE
	10	 	4	 	125548.48	6617.49	0.3998	 	 	 	DALLAS
	11	 	4	 	207760.11	6108.36	0.2222	 	 	 	CHICAGO
	12	 	4	 	2017146.95	6429.04	0.3380	 	 	 	SALT LAKE CITY
	13	 	4	 	152687.48	6339.81	0.1618	 	 	 	MONTEREY PARK
	14	 	4	 	823457.95	6910.43	0.3491	 	 	83.67	LOS GATOS
	15	 	4	 	455456.24	5825.76	0.1858	 	 	 	ATLANTA
	16	 	4	 	1119700.94	5966.06	0.2752	 	 	100	MEARS
	17	 	4	 	1362925.77	12444.75	0.2186	 	 	100	STAMFORD
	18	 	4	 	654145.26	7735.50	0.4584	 	 	100	IDAHO FALLS
	19	 	4	 	834471.13	8124.67	0.3482	 	 	100	THE WOODLANDS

 

	 	121	122	123	124	125	126	127	128	129	130
	KEY	State	Postal Code	Property Type	Occupancy	Sales Price	Original Appraised
 Property Value	Original Property
 Valuation Type	Original Property
 Valuation Date	Original Automated
 Valuation Model
 (AVM) Model Name	Original AVM
 Confidence Score
	1	WA	98119	1	1	 	1175000.00	3	20120124	 	 
	2	CA	91311	7	3	1368418.00	1400000.00	3	20111207	 	 
	3	IL	60093	1	1	1658000.00	1658000.00	3	20111129	 	 
	4	IL	60201	1	1	 	1100000.00	3	20120118	 	 
	5	CA	91604	1	1	1550000.00	1600000.00	3	20120107	 	 
	6	CA	94027	1	1	 	1875000.00	3	20110831	 	 
	7	CA	94506	7	1	 	1700000.00	3	20110912	 	 
	8	TX	77024	7	1	 	961000.00	3	20111115	 	 
	9	TX	77401	1	1	 	1200000.00	3	20111101	 	 
	10	TX	75205	1	1	 	1325000.00	3	20111121	 	 
	11	IL	60611	2	1	 	1000000.00	3	20111102	 	 
	12	UT	84103	1	1	 	1000000.00	3	20111215	 	 
	13	CA	91754	7	1	 	1140000.00	3	20120110	 	 
	14	CA	95032	1	1	1351000.00	1355000.00	3	20120301	 	 
	15	GA	30305	1	1	 	1600000.00	3	20120201	 	 
	16	MI	49436	1	2	620000.00	650000.00	3	20120216	 	 
	17	CT	06928	1	1	1250000.00	1250000.00	3	20120212	 	 
	18	ID	83406	1	1	650000.00	650000.00	3	20120404	 	 
	19	TX	77380	1	1	1180000.00	1235000.00	3	20120407	 	 

 

	 	131	132	133	134	135	136	137	138	139	140
	KEY	Most Recent
 Property Value2	Most Recent
 Property Valuation
 Type	Most Recent
 Property Valuation
 Date	Most Recent AVM
 Model Name	Most Recent AVM
 Confidence Score	Original CLTV	Original LTV	Original Pledged
 Assets	Mortgage Insurance
 Company Name	Mortgage Insurance
 Percent
	1	 	 	 	 	 	0.5665	0.5665	0	0	0
	2	 	 	 	 	 	0.6499	0.6499	0	0	0
	3	 	 	 	 	 	0.7500	0.7500	0	0	0
	4	 	 	 	 	 	0.7500	0.7500	0	0	0
	5	 	 	 	 	 	0.7000	0.7000	0	0	0
	6	 	 	 	 	 	0.7455	0.5189	0	0	0
	7	 	 	 	 	 	0.5952	0.5952	0	0	0
	8	 	 	 	 	 	0.5677	0.5677	0	0	0
	9	 	 	 	 	 	0.6253	0.6253	0	0	0
	10	 	 	 	 	 	0.6926	0.6926	0	0	0
	11	 	 	 	 	 	0.6280	0.6280	0	0	0
	12	 	 	 	 	 	0.7310	0.7310	0	0	0
	13	 	 	 	 	 	0.7000	0.7000	0	0	0
	14	 	 	 	 	 	0.5921	0.5921	0	0	0
	15	 	 	 	 	 	0.3564	0.3564	0	0	0
	16	 	 	 	 	 	0.7500	0.7500	0	0	0
	17	 	 	 	 	 	0.8000	0.8000	0	0	0
	18	 	 	 	 	 	0.8000	0.8000	0	0	0
	19	 	 	 	 	 	0.8000	0.8000	0	0	0

 

 

	 	141	142	143	144	145	146	147	148	149	150
	KEY	MI: Lender or
 Borrower Paid?	Pool Insurance Co.
 Name	Pool Insurance Stop
 Loss %	MI Certificate
 Number	Updated DTI
 (Front-end)	Updated DTI
 (Back-end)	Modification
 Effective Payment
 Date	Total Capitalized
 Amount	Total Deferred
 Amount	Pre-Modification
 Interest (Note) Rate
	1	 	 	 	 	 	 	 	 	 	 
	2	 	 	 	 	 	 	 	 	 	 
	3	 	 	 	 	 	 	 	 	 	 
	4	 	 	 	 	 	 	 	 	 	 
	5	 	 	 	 	 	 	 	 	 	 
	6	 	 	 	 	 	 	 	 	 	 
	7	 	 	 	 	 	 	 	 	 	 
	8	 	 	 	 	 	 	 	 	 	 
	9	 	 	 	 	 	 	 	 	 	 
	10	 	 	 	 	 	 	 	 	 	 
	11	 	 	 	 	 	 	 	 	 	 
	12	 	 	 	 	 	 	 	 	 	 
	13	 	 	 	 	 	 	 	 	 	 
	14	 	 	 	 	 	 	 	 	 	 
	15	 	 	 	 	 	 	 	 	 	 
	16	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 

 

	 	151	152	153	154	155	156	157	158	159	160
	KEY	Pre-Modification P&I
 Payment	Pre-Modification
 Initial Interest Rate
 Change Downward
 Cap	Pre-Modification
 Subsequent Interest
 Rate Cap	Pre-Modification
 Next Interest Rate
 Change Date	Pre-Modification I/O
 Term	Forgiven Principal
 Amount	Forgiven Interest
 Amount	Number of
 Modifications	Cash To/From Brrw at Closing	Brrw - Yrs at in Industry
	1	 	 	 	 	 	 	 	 	106.91	26.06
	2	 	 	 	 	 	 	 	 	-478947	25
	3	 	 	 	 	 	 	 	 	-408323.39	8
	4	 	 	 	 	 	 	 	 	-14962.51	3
	5	 	 	 	 	 	 	 	 	-444868.35	14
	6	 	 	 	 	 	 	 	 	129.91	0
	7	 	 	 	 	 	 	 	 	 	23.25
	8	 	 	 	 	 	 	 	 	-2.37	9
	9	 	 	 	 	 	 	 	 	-10027.01	6
	10	 	 	 	 	 	 	 	 	-16.11	6.3
	11	 	 	 	 	 	 	 	 	437.11	2.33
	12	 	 	 	 	 	 	 	 	118.22	4
	13	 	 	 	 	 	 	 	 	-176721.86	9.4
	14	 	 	 	 	 	 	 	 	-516645.15	2
	15	 	 	 	 	 	 	 	 	39674.94	7.7
	16	 	 	 	 	 	 	 	 	-160917.31	47
	17	 	 	 	 	 	 	 	 	-138965.28	24
	18	 	 	 	 	 	 	 	 	-125876.42	3.4
	19	 	 	 	 	 	 	 	 	-218208.9	19

 

	 	161	162	163	164	165	166	167	168	169	170
	KEY	CoBrrw - Yrs at in Industry	Junior Mortgage Drawn Amount	Maturity Date	Primary Borrower Wage Income (Salary)	Primary Borrower Wage Income (Bonus)	Primary Borrower Wage Income (Commission)	Co-Borrower Wage Income (Salary)	Co-Borrower Wage Income (Bonus)	Co-Borrower Wage Income (Commission)	Originator Doc Code
	1	 	0	20420601	12000.00	15066.00	0.00	 	 	 	Full
	2	 	0	20420101	10241.00	0.00	0.00	 	 	 	Full
	3	 	0	20420101	26204.33	0.00	0.00	 	 	 	Full
	4	11	0	20420301	15058.00	0.00	0.00	19112.00	0.00	0.00	Full
	5	7	0	20420201	33007.33	0.00	0.00	6250.01	0.00	0.00	Full
	6	 	425000	20420101	0.00	0.00	0.00	 	 	 	Full
	7	 	0	20411101	50589.43	0.00	0.00	 	 	 	Full
	8	 	0	20411201	15416.67	0.00	0.00	 	 	 	Full
	9	 	0	20420301	30000.00	0.00	0.00	0.00	0.00	0.00	Full
	10	 	0	20420401	16552.00	0.00	0.00	 	 	 	Full
	11	 	0	20420101	27490.37	0.00	0.00	 	 	 	Full
	12	 	0	20420501	13020.83	0.00	0.00	0.00	0.00	0.00	Full
	13	 	0	20420401	39183.00	0.00	0.00	0.00	0.00	0.00	Full
	14	 	0	20420401	19167.00	0.00	0.00	0.00	0.00	0.00	Full
	15	 	0	20420401	31924.00	0.00	0.00	0.00	0.00	0.00	Full
	16	45	0	20420401	0.00	0.00	0.00	12842.00	0.00	0.00	Full
	17	2.7	0	20420401	20833.00	27083.33	0.00	9013.00	0.00	0.00	Full
	18	 	0	20420501	15596.00	0.00	0.00	0.00	0.00	0.00	Full
	19	 	0	20420501	23333.33	0.00	0.00	0.00	0.00	0.00	Full

 

	 	171	172
	KEY	RWT Income Verification	RWT Asset Verification
	1	2 Years	2 Months
	2	2 Years	2 Months
	3	2 Years	2 Months
	4	2 Years	2 Months
	5	2 Years	2 Months
	6	2 Years	2 Months
	7	2 Years	2 Months
	8	2 Years	2 Months
	9	2 Years	2 Months
	10	2 Years	2 Months
	11	2 Years	2 Months
	12	2 Years	2 Months
	13	2 Years	2 Months
	14	2 Years	2 Months
	15	2 Years	2 Months
	16	2 Years	2 Months
	17	2 Years	2 Months
	18	2 Years	2 Months
	19	2 Years	2 Months

 

 

	ASF RMBS DISCLOSURE PACKAGE

The American Securitization Forum is a broad-based professional forum through which participants in the U.S. securitization market advocate their common interests on important legal, regulatory and market practice issues. ASF members include over 380 firms, including issuers, investors, servicers, financial intermediaries, rating agencies, financial guarantors, legal and accounting firms, and other professional organizations involved in securitization transactions. The ASF also provides information, education and training on a range of securitization market issues and topics through industry conferences, seminars and similar initiatives. For more information about ASF, its members and activities, please go to www.americansecuritization.com.	 
	Field
    Number	Field
    Name	Field
    Description	Type
    of Field	Data
    Type	Sample
    Data	Format	When
    Applicable?	Valid
    Values	Proposed
    Unique Coding	Notes	 	 
	1	Primary
    Servicer	The
    MERS Organization ID of the company that has or will have the right to service the loan.	General
    Information	Numeric
    – Integer	2351805	9(7)	Always	”9999999”
    if Unknown	 	 	 	 
	2	Servicing
    Fee—Percentage	Aggregate
    monthly fee paid to all servicers, stated in decimal form.	General
    Information	Numeric
    - Decimal	0.0025	9.999999	Loans
    without flat-dollar servicing fees	>=
    0 and < 1	 	Must
    be populated if Field 3 is Null	 	 
	3	Servicing
    Fee—Flat-dollar	Aggregate
    monthly fee paid to all servicers, stated as a dollar amount.	General
    Information	Numeric
    – Decimal	7.5	9(3).99	Loans
    with flat-dollar servicing fees	>=
                                                                                                                                                           0
                                                                                                                                                           and

         

        <= 999

         
	 	Must
    be populated if 2 is Null	 	 
	4	Servicing
    Advance Methodology	The
    manner in which principal and/or interest are to be advanced by the servicer.	General
    Information	Numeric
    – Integer	2	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Scheduled
                                                                                                                                                           Interest,
                                                                                                                                                           Scheduled
                                                                                                                                                           Principal

         

        2 = Actual Interest, Actual
        Principal

         

        3 = Scheduled Interest,
        Actual Principal

         

        99 = Unknown

         
	 	 	 
	5	Originator	The
    MERS Organization ID of the entity that lends funds to the borrower and, in return, places a lien on the mortgage property
    as collateral.	General
    Information	Numeric
    – Integer	5938671	9(7)	Always	”9999999”
    if Unknown	 	 	 	 
	6	Loan
    Group	Indicates
    the collateral group number in which the loan falls (for structures with multiple collateral groups). Use “1”
    if there is only one loan group.	General
    Information	Text	1A	XXXX	Always	“UNK”
    if Unknown	 	 	 	 
	7	Loan
    Number	Unique
    National Mortgage Loan ID Number (Vendor TBD).	General
    Information	Numeric
    – Integer	TBD	TBD	Always	TBD	 	Details
    to be provided by Vendor	 	 
	8	Amortization
    Type	Indicates
    whether the loan’s interest rate is fixed or adjustable (Hybrid ARMs are adjustable).	Loan
    Type	Numeric
    – Integer	2	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Fixed

         

        2 = Adjustable

         

        99 = Unknown

         
	 	 	 
	9	Lien
    Position	A
    number indicating the loan’s lien position (1 = first lien, etc.).	Loan
    Type	Numeric
    – Integer	1	99	Always	>0	99
    = Unknown	 	 	 
	10	HELOC
    Indicator	Indicates
    whether the loan is a home equity line of credit.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

         

        1 = Yes

         

        99 = Unknown

         
	 	 	 
	11	Loan
    Purpose	Indicates
    the purpose of the loan.	Loan
    Type	Numeric
    – Integer	9	99	Always	See
    Coding	See
    Appendix A	 	 	 
	12	Cash
    Out Amount	Cash
    Out Amount:   [New Loan] – [PIF Prior First Lien] – [Payoff of all Seasoned Seconds] – [Closing
    Costs] – [Prepays]
 
 For delayed purchases (refinances on homes purchased < 12 months prior to the mortgage
    application) with cash)  Cash Out Amount = 0.	Loan
    Type	Numeric
    – Decimal	72476.5	9(10).99	Always	>=
    0	 	 	 	 
	 	 
	 	 
	13	Total
    Origination and Discount Points (in dollars)	Amount
    paid to the lender to increase the lender’s effective yield and, in the case of discount points, to reduce the interest
    rate paid by the borrower.	Loan
    Type	Numeric
    – Decimal	5250	9(10).99	Always	>=
    0	 	Typically
    Lines 801 and 802 of HUD Settlement Statement	 	 
	14	Covered/High
    Cost Loan Indicator	Indicates
    whether the loan is categorized as “high cost” or “covered” according to state or federal statutes
    or regulations.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

         

        1 = Yes

         

        99 = Unknown

         
	 	 	 
	15	Relocation
    Loan Indicator	Indicates
    whether the loan is part of a corporate relocation program.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

         

        1 = Yes

         

        99 = Unknown

         
	 	 	 
	16	Broker
    Indicator	Indicates
    whether a broker took the application.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

         

        1 = Yes

         

        99 = Unknown

         
	 	 	 
	17	Channel	Code
    indicating the source (channel) from which the Issuer obtained the mortgage loan.	Loan
    Type	Numeric
    – Integer	2	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Retail

         

        2 = Broker

         

        3 = Correspondent Bulk

         

        4 = Correspondent Flow
        with delegated underwriting

         

        5 = Correspondent Flow
        without delegated underwriting

         

        99 = Unknown

         
	 	 	 
	18	Escrow
    Indicator	Indicates
    whether various homeownership expenses are paid by the borrower directly or through an escrow account (as of securitization
    cut-off date).	Loan
    Type	Numeric
    – Integer	3	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No
                                                                                                                                                           Escrows

         

        1 = Taxes

         

        2 = Insurance

         

        3 = HOA dues

         

        4 = Taxes and Insurance

         

        5 = All

         

        99 =Unknown

         
	 	 	 
	19	Senior
    Loan Amount(s)	For
    non-first mortgages, the sum of the balances of all associated senior mortgages at the time of origination of the subordinate
    lien. 	Mortgage
    Lien Info	Numeric
    – Decimal	611004.25	9(10).99	If
    Lien Position > 1	>=
    0	 	 	 	 
	20	Loan
    Type of Most Senior Lien	For
    non-first mortgages, indicates whether the associated first mortgage is a Fixed, ARM, Hybrid, or negative amortization loan.	Mortgage
    Lien Info	Numeric
    – Integer	2	99	If
    Lien Position > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Fixed
                                                                                                                                                           Rate

         

        2 = ARM

         

        3 = Hybrid

         

        4 = Neg Am

         

        99 = Unknown

         
	 	 	 
	21	Hybrid
    Period of Most Senior Lien (in months)	For
    non-first mortgages where the associated first mortgage is a hybrid ARM, the number of months remaining in the initial fixed
    interest rate period for the hybrid first mortgage.	Mortgage
    Lien Info	Numeric
    – Integer	23	999	If
                                                                                                                                                                       Lien
                                                                                                                                                                       Position
                                                                                                                                                                       >
                                                                                                                                                                       1

         

        AND the most senior lien
        is a hybrid ARM (see Field 20)

         
	>=
    0	 	 	 	 
	22	Neg
    Am Limit of Most Senior Lien	For
    non-first mortgages where the associated first mortgage features negative amortization, the maximum percentage by which the
    negatively amortizing balance may increase (expressed as a proportion of the senior lien’s original balance).	Mortgage
    Lien Info	Numeric
    – Decimal	1.25	9.999999	If
                                                                                                                                                                       Lien
                                                                                                                                                                       Position
                                                                                                                                                                       >
                                                                                                                                                                       1

         

        AND the senior lien is
        Neg Am (see Field 20)

         
	>=
    1 and <= 2	 	 	 	 
	23	Junior
    Mortgage Balance	For
    first mortgages with subordinate liens at the time of origination, the combined balance of the subordinate liens (if known).	Mortgage
    Lien Info	Numeric
    – Decimal	51775.12	9(10).99	If
    Lien Position = 1 and there is a 2nd lien on the subject property	>=
    0	 	Subject
    to Regulatory Confirmation	 	 
	24	Origination
    Date of Most Senior Lien	For
    non-first mortgages, the origination date of the associated first mortgage.	Mortgage
    Lien Info	Date	20090914	YYYYMMDD	If
    Lien Position > 1 and there is a 2nd lien on the subject property	“19010101”
    if unknown	 	 	 	 
	25	Origination
    Date	The
    date of the Mortgage Note and Mortgage/Deed of Trust	Loan
    Term and Amortization Type	Date	20090914	YYYYMMDD	Always	“19010101”
    if unknown	 	 	 	 
	26	Original
    Loan Amount	The
    dollar amount of the mortgage loan, as specified on the mortgage note at the time of the loan’s origination. For HELOCs,
    the maximum available line of credit.	Loan
    Term and Amortization Type	Numeric
    – Decimal	150000	9(10).99	Always	>0	 	 	 	 
	27	Original
    Interest Rate	The
    original note rate as indicated on the mortgage note.	Loan
    Term and Amortization Type	Numeric
    – Decimal	0.0475	9.999999	Always	>
    0 and <= 1	 	 	 	 
	28	Original
    Amortization Term	The
    number of months in which the loan would be retired if the amortizing principal and interest payment were to be paid each
    month.	Loan
    Term and Amortization Type	Numeric
    – Integer	360	999	Always	>=
    60	 	 	 	 
	29	Original
    Term to Maturity	The
    initial number of months between loan origination and the loan maturity date, as specified on the mortgage note.	Loan
    Term and Amortization Type	Numeric
    – Integer	60	999	Always	>0	N/A	 	 	 
	30	First
    Payment Date of Loan	The
    date of the first scheduled mortgage payment to be made by the borrower as specified on the mortgage note.	Loan
    Term and Amortization Type	Date	20090914	YYYYMMDD	Always	“19010101”
    if unknown	N/A	 	 	 
	31	Interest
    Type Indicator	Indicates
    whether the interest rate calculation method is simple or actuarial.	Loan
    Term and Amortization Type	Numeric
    – Integer	2	99	Always	See
    Coding	1=
                                                                                                                                                           Simple

         

        2 = Actuarial

         

        99 = Unknown

         
	 	 	 
	32	Original
    Interest Only Term	Original
    interest-only term for a loan in months (including NegAm Loans).	Loan
    Term and Amortization Type	Numeric
    – Integer	60	999	Always	>=
                                                                                                                                                           0
                                                                                                                                                           and
                                                                                                                                                           <=
                                                                                                                                                           240

         

        Unknown = Blank;

         

        No Interest Only Term
        = 0

         
	 	 	 	 
	33	Buy
    Down Period	The
    total number of months during which any buy down is in effect, representing the accumulation of all buy down periods.	Loan
    Term and Amortization Type	Numeric
    – Integer	65	999	Always	>=
                                                                                                                                                           0
                                                                                                                                                           and
                                                                                                                                                           <=
                                                                                                                                                           100

         

        Unknown = Blank;

         

        No Buy Down = 0

         
	 	 	 	 
	34	HELOC
    Draw Period	The
    original number of months during which the borrower may draw funds against the HELOC account.	Loan
    Term and Amortization Type	Numeric
    – Integer	24	999	HELOCs
    Only	>=
    12 and <= 120	 	 	 	 
	35	Scheduled
    Loan Amount	Mortgage
    loan scheduled principal balance as of cut-off date. For HELOCs, the current drawn amount.	Loan
    Term and Amortization Type	Numeric
    – Decimal	248951.19	9(10).99	Always	>=
    0	 	 	 	 
	36	Current
    Interest Rate	The
    interest rate used to calculate the current P&I or I/O payment.	Loan
    Term and Amortization Type	Numeric
    – Decimal	0.05875	9.999999	Always	>
    0 and <= 1	 	 	 	 
	37	Current
    Payment Amount Due	Next
    Total Payment due to be collected (including principal, interest or both—but Exclude Escrow Amounts).	Loan
    Term and Amortization Type	Numeric
    – Decimal	1250.15	9(10).99	Always	>
    0	 	 	 	 
	38	Scheduled
    Interest Paid
 Through Date	 	Loan
    Term and Amortization Type	Date	20090429	YYYYMMDD	Always	“19010101”
    if unknown	 	 	 	 
	39	Current
    Payment Status	Number
    of payments the borrower is past due as of the securitization cut-off date.	Loan
    Term and Amortization Type	Numeric
    – Integer	3	99	Always	>=
    0	 	 	 	 
	40	Index
    Type	Specifies
    the type of index to be used to determine the interest rate at each adjustment.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	18	99	ARMs
    Only	See
    Coding	See
    Appendix B	 	 	 
	41	ARM
    Look-back Days	The
    number of days prior to the interest rate adjustment date to retrieve the index value.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	45	99	ARMs
    Only	>=
    0 to <=99	 	 	 	 
	42	Gross
    Margin	The
    percentage stated on the mortgage note representing the spread between the ARM Index value and the mortgage interest rate.
    The gross mortgage margin is added to the index value to establish a new gross interest rate in the manner prescribed on the
    mortgage note.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.03	9.999999	ARMs
    Only	>0
    and <= 1	 	 	 	 
	43	ARM
    Round Flag	An
    indicator of whether an adjusted interest rate is rounded to the next higher ARM round factor, to the next lower round factor,
    or to the nearest round factor.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	3	9	ARMs
    Only	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No
                                                                                                                                                           Rounding

         

        1 = Up

         

        2 = Down

         

        3 = Nearest

         

        99=Unknown

         
	 	 	 
	44	ARM
    Round Factor	The
    percentage to which an adjusted interest rate is to be rounded.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.0025
    or 0.00125	9.999999	ARMs
                                                                                                                                                                       Only

         

        Where ARM Round Flag =
        1, 2, or 3

         
	>=
    0 and < 1	 	 	 	 
	45	Initial
    Fixed Rate Period	For
    hybrid ARMs, the period between the first payment date of the mortgage and the first interest rate adjustment date.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	60	999	Hybrid
    ARMs Only	>=
    1 to <=240	 	 	 	 
	46	Initial
    Interest Rate Cap (Change Up)	The
    maximum percentage by which the mortgage note rate may increase at the first interest rate adjustment date.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 	 
	47	Initial
    Interest Rate  Cap (Change Down)	The
    maximum percentage by which the mortgage note rate may decrease at the first interest rate adjustment date.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 	 
	48	Subsequent
    Interest Rate Reset Period	The
    number of months between subsequent rate adjustments.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	60	999	ARMs
    Only	>=0
    and <= 120	 	0
    = Loan does not adjust after initial reset	 	 
	49	Subsequent
    Interest Rate (Change Down)	The
    maximum percentage by which the interest rate may decrease at each rate adjustment date after the initial adjustment.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 	 
	50	Subsequent
    Interest Rate Cap (Change Up)	The
    maximum percentage by which the interest rate may increase at each rate adjustment date after the initial adjustment.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 	 
	51	Lifetime
    Maximum Rate (Ceiling)	The
    maximum interest rate that can be in effect during the life of the loan.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.125	9.999999	ARMs
    Only	>=
    0 and <= 1	 	=1
    if no ceiling specified	 	 
	 	 
	 	 
	52	Lifetime
    Minimum Rate (Floor)	The
    minimum interest rate that can be in effect during the life of the loan.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.015	9.999999	ARMs
    Only	>=
    0 and <= 1	 	If
    no floor is specified enter the greater of the margin or 0.	 	 
	53	Negative
    Amortization Limit	The
    maximum amount of negative amortization allowed before recast is required. (Expressed as a percentage of the original unpaid
    principal balance.)	Negative
    Amortization	Numeric
    – Decimal	1.25	9.999999	Negatively
    Amortizing ARMs Only	>=0,
    and <2	 	 	 	 
	54	Initial
    Negative Amortization Recast Period	The
    number of months in which the payment is required to recast if the loan does not reach the prescribed maximum balance earlier.	Negative
    Amortization	Numeric
    – Integer	60	999	Negatively
    Amortizing ARMs Only	>=0	 	 	 	 
	55	Subsequent
    Negative Amortization Recast Period	The
    number of months after which the payment is required to recast AFTER the first recast period.	Negative
    Amortization	Numeric
    – Integer	48	999	Negatively
    Amortizing ARMs Only	>=0	 	 	 	 
	56	Initial
    Fixed Payment Period	Number
    of months after origination during which the payment is fixed.	Negative
    Amortization	Numeric
    – Integer	60	999	Negatively
    Amortizing Hybrid ARMs Only	>=
    0 to <=120	 	 	 	 
	57	Subsequent
    Payment Reset Period	Number
    of months between payment adjustments after first payment reset.	Negative
    Amortization	Numeric
    – Integer	12	999	Negatively
    Amortizing ARMs Only	>=
    0 to <=120	 	 	 	 
	58	Initial
    Periodic Payment Cap	The
    maximum percentage by which a payment can change (increase or decrease) in the first period. 	Negative
    Amortization	Numeric
    – Decimal	0.075	9.999999	Negatively
    Amortizing ARMs Only	>=
    0 and < 1	 	 	 	 
	59	Subsequent
    Periodic Payment Cap	The
    maximum percentage by which a payment can change (increase or decrease) in one period after the initial cap. 	Negative
    Amortization	Numeric
    – Decimal	0.075	9.999999	Negatively
    Amortizing ARMs Only	>=
    0 and < 1	 	 	 	 
	60	Initial
    Minimum Payment Reset Period	The
    maximum number of months a borrower can initially pay the minimum payment before a new minimum payment is determined.	Negative
    Amortization	Numeric
    – Integer	12	999	Negatively
    Amortizing ARMs Only	>=
    0 to <=120	 	 	 	 
	61	Subsequent
    Minimum Payment Reset Period	The
    maximum number of months (after the initial period) a borrower can pay the minimum payment before a new minimum payment is
    determined after the initial period.	Negative
    Amortization	Numeric
    – Integer	12	999	Negatively
    Amortizing ARMs Only	>=
    0 to <=120	 	 	 	 
	62	Option
    ARM Indicator	An
    indicator of whether the loan is an Option ARM.	Negative
    Amortization	Numeric
    – Integer	1	99	ARMs
    Only	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

         

        1 = Yes

         

        99 = Unknown

         
	 	 	 
	63	Options
    at Recast	The
    means of computing the lowest monthly payment available to the borrower after recast.	Option
    ARM	Numeric
    – Integer	2	99	Option
    ARMs Only	N/A	1=
                                                                                                                                                           Fully
                                                                                                                                                           amortizing
                                                                                                                                                           30
                                                                                                                                                           year

         

        2= Fully amortizing 15
        year

         

        3=Fully amortizing 40
        year

         

        4 = Interest-Only

         

        5 = Minimum Payment

         

        99= Unknown

         
	 	 	 
	64	Initial
    Minimum Payment	The
    initial minimum payment the borrower is permitted to make.	Option
    ARM	Numeric
    – Decimal	879.52	99	Option
    ARMs Only	>=0	 	 	 	 
	65	Current
    Minimum Payment	Current
    Minimum Payment (in dollars).	Negative
    Amortization	Numeric
    – Decimal	250	9(10).99	Option
    ARMs Only	>=
    0	 	 	 	 
	66	Prepayment
    Penalty Calculation	A
    description of how the prepayment penalty would be calculated during each phase of the prepayment penalty term.	Prepayment
    Penalties	Numeric
    – Integer	12	99	Always	See
    Coding	See
    Appendix C	 	 	 
	67	Prepayment
    Penalty Type	•
                                                                                                                                                           Hard:
                                                                                                                                                           The
                                                                                                                                                           prepayment
                                                                                                                                                           penalty
                                                                                                                                                           is
                                                                                                                                                           incurred
                                                                                                                                                           regardless
                                                                                                                                                           of
                                                                                                                                                           the
                                                                                                                                                           reason
                                                                                                                                                           the
                                                                                                                                                           loan
                                                                                                                                                           is
                                                                                                                                                           prepaid
                                                                                                                                                           in
                                                                                                                                                           full.

         

        • Hybrid:
        The prepayment penalty can be characterized as hard for a certain amount of time and as soft during another period.

         

         

         

         

         
	Prepayment
    Penalties	Numeric
    – Integer	1	99	All
    loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Hard

         

        2 = Soft

         

        3 = Hybrid

         

        99 = Unknown

         
	 	 	 
	68	Prepayment
    Penalty Total Term	The
    total number of months that the prepayment penalty may be in effect.	Prepayment
    Penalties	Numeric
    – Integer	60	999	All
    loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)	>0
    to <=120	 	 	 	 
	69	Prepayment
    Penalty Hard Term	For
    hybrid prepayment penalties, the number of months during which a “hard” prepayment penalty applies.	Prepayment
    Penalties	Numeric
    – Integer	12	999	Loans
    with Hybrid Prepayment Penalties (i.e., loans for which Field 67 = “3”)	>=
    0 to <=120	 	 	 	 
	70	Primary
    Borrower ID	A
    lender-generated ID number for the primary borrower on the mortgage	Borrower	Numeric—Integer	123456789	999999999	Always	>0	 	Used
    to identify the number of times a single borrower appears in a given deal.	 	 
	71	Number
    of Mortgaged Properties	The
    number of residential properties owned by the borrower that currently secure mortgage loans.	Borrower	Numeric
    – Integer	1	99	Always	>
    0	 	 	 	 
	72	Total
    Number of Borrowers	The
    number of Borrowers who are obligated to repay the mortgage note.	Borrower	Numeric
    – Integers	2	99	Always	>
    0	 	 	 	 
	73	Self-employment
    Flag	An
    indicator of whether the primary borrower is self-employed.	Borrower	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

         

        1 = Yes

         

        99 = Unknown

         
	 	 	 
	74	Current
    ‘Other’ Monthly Payment	The
    aggregate of all payments pertaining to the subject property other than principal and interest (includes common charges, condo
    fees, T&I, HOA, etc.), whether escrowed or not.	Loan
    Term and Amortization Type	Numeric
    – Decimal	1789.25	9(10).99	Always	>
    0	 	 	 	 
	75	Length
    of Employment: Borrower	The
    number of years of service with the borrower’s current employer as of the date of the loan.	Borrower
    Qualification	Numeric
    – Decimal	3.5	99.99	Always	>=0	99
    = Retired, None employment income soure (social security, trust income, dividends, etc.)	 	 	 
	76	Length
    of Employment: Co-Borrower	The
    number of years of service with the co-borrower’s current employer as of the date of the loan.	Borrower
    Qualification	Numeric
    – Decimal	3.5	99.99	If
    “Total Number of Borrowers” > 1	>=
    0	99
    = Retired, None employment income soure (social security, trust income, dividends, etc.)	 	 	 
	77	Years
    in Home	Length
    of time that the borrower has been at current address.	Borrower
    Qualification	Numeric
    – Decimal	14.5	99.99	Refinances
    of Primary Residences Only (Loan Purpose = 1, 2, 3, 4, 8 or 9)	>
    0	 	 	 	 
	78	FICO
    Model Used	Indicates
    whether the FICO score was calculated using the Classic, Classic 08, or Next Generation model.	Borrower
    Qualification	Numeric
    – Integer	1	99	If
    a FICO score was obtained	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Classic

         

        2 = Classic 08

         

        3 = Next Generation

         

        99 = Unknown

         
	 	 	 
	79	Most
    Recent FICO Date	Specifies
    the date on which the most recent FICO score was obtained	Borrower
    Qualification	Date	20090914	YYYYMMDD	If
    a FICO score was obtained	“19010101”
    if unknown	 	Issuers
    unable to Provide may Rep and Warrant that the FICO score used for underwriting was not more than 4 months old at the date
    of issuance.	 	 
	80	Primary
    Wage Earner Original FICO:  Equifax	Equifax
    FICO score for primary borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 	 
	81	Primary
    Wage Earner Original FICO:  Experian	Experian
    FICO score for primary borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 	 
	82	Primary
    Wage Earner Original FICO:  TransUnion	TransUnion
    FICO score for primary borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 	 
	83	Secondary
    Wage Earner Original FICO:  Equifax	Equifax
    FICO score for Co-borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 	 
	84	Secondary
    Wage Earner Original FICO:  Experian	Experian
    FICO score for Co-borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 	 
	85	Secondary
    Wage Earner Original FICO: TransUnion	TransUnion
    FICO score for Co-borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 	 
	86	Most
    Recent Primary Borrower FICO	Most
    Recent Primary Borrower FICO score used by the lender to approve the loan.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 	 
	87	Most
    Recent Co-Borrower FICO	Most
    Recent Co-Borrower FICO score used by the lender to approve the loan.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 	 
	88	Most
    Recent FICO Method	Number
    of credit repositories used to update the FICO Score.	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    a FICO score was obtained	>0	 	 	 	 
	89	VantageScore:
    Primary Borrower	Credit
    Score for the Primary Borrower used to approve the loan and obtained using the Vantage credit evaluation model.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a Vantage Credit Score was obtained	>=
    501 and <= 990	 	 	 	 
	90	VantageScore:
    Co-Borrower	Credit
    Score for the Co-borrower used to approve the loan and obtained using the Vantage credit evaluation model.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a VantageScore was obtained AND “Total Number of Borrowers” > 1	>=
    501 and <= 990	 	 	 	 
	91	Most
    Recent VantageScore Method	Number
    of credit repositories used to update the Vantage Score.	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    a Vantage Credit Score was obtained	>0	 	 	 	 
	92	VantageScore
    Date	Date
    Vantage Credit Score was obtained.	Borrower
    Qualification	Date	20090914	YYYYMMDD	If
    a Vantage Credit Score was obtained	“19010101”
    if unknown	 	 	 	 
	93	Credit
    Report: Longest Trade Line	The
    length of time in months that the oldest active trade line, installment or revolving, has been outstanding. For a loan with
    more than one borrower, populate field based on status for the primary borrower.	Borrower
    Qualification	Numeric
    – Integer	999	999	Always	>
    =0	 	Subject
    to Regulatory Confirmation	 	 
	94	Credit
    Report: Maximum Trade Line	The
    dollar amount for the trade line, installment or revolving, with the largest unpaid balance. For revolving lines of credit,
    e.g. credit card, the dollar amount reported should reflect the maximum amount of credit available under the credit line whether
    used or not. For a loan with more than one borrower, populate field based on status for the primary borrower.	Borrower
    Qualification	Numeric
    – Decimal	339420.19	9(10).99	Always	>=0	 	Subject
    to Regulatory Confirmation	 	 
	95	Credit
    Report: Number of Trade Lines	A
    count of non-derogatory, currently open and active, consumer trade lines (installment or revolving) for the borrower. For
    a loan with more than one borrower, populate field based on status for the primary borrower.	Borrower
    Qualification	Numeric
    – Integer	57	999	Always	>=0	 	Subject
    to Regulatory Confirmation	 	 
	96	Credit
    Line Usage Ratio	Sum
    of credit balances divided by sum of total open credit available.	Borrower
    Qualification	Numeric
    – Decimal	0.27	9.999999	Always	>=
    0 and <= 1	 	Subject
    to Regulatory Confirmation	 	 
	97	Most
    Recent 12-month Pay History	String
    indicating the payment status per month listed from oldest to most recent.	Borrower
    Qualification	Text	77X123200001	X(12)	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           Current

         

        1 = 30-59 days delinquent

         

        2 = 60-89 days delinquent

         

        3 = 90-119 days delinquent

         

        4 = 120+ days delinquent

         

        5 = Foreclosure

         

        6 = REO

         

        7 = Loan did not exist
        in period

         

        X = Unavailable

         
	 	 	 
	98	Months
    Bankruptcy	Number
    of months since any borrower was discharged from bankruptcy. (Issuers unable to provide this information may rep and warrant
    that at least x years—as specified in the loan program—have passed since most recent discharge from bankruptcy.)	Borrower
    Qualification	Numeric
    – Integer	12	999	If
    Borrower has ever been in Bankruptcy	>=
    0	 	Blank
    = Borrower is not known to have been in bankruptcy	 	 
	99	Months
    Foreclosure	Number
    of months since foreclosure sale date. (Issuers unable to provide this information may rep and warrant that at least x
    years—as specified in the loan program— have passed since most recent foreclosure.)	Borrower
    Qualification	Numeric
    – Integer	12	999	If
    Borrower has ever been in Foreclosure	>=
    0	 	Blank
    = Borrower is not known to have been in foreclosure	 	 
	100	Primary
    Borrower Wage Income	Monthly
    base wage income for primary borrower.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 	 
	101	Co-Borrower
    Wage Income	Monthly
    base wage income for all other borrowers.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	If
    “Total Number of Borrowers” > 1	>=
    0	 	 	 	 
	102	Primary
    Borrower Other Income	Monthly
    Other (non-wage) income for primary borrower. (This figure should include net rental income and be reduced by any net rental
    loss.)	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 	 
	103	Co-Borrower
    Other Income	Monthly
    Other (non-wage) income for all other borrowers. (This figure should include net rental income and be reduced by any net rental
    loss.)	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	If
    “Total Number of Borrowers” > 1	>=
    0	 	 	 	 
	104	All
    Borrower Wage Income	Monthly
    income of all borrowers derived from base salary only.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 	 
	105	All
    Borrower Total Income	Monthly
    income of all borrowers derived from base salary, commission, tips and gratuities, overtime and bonuses, part-time or second-job
    earnings, alimony, child support, interest and dividend income, notes receivable, trust income, net rental income,
    retirement income, social security, veterans income, military income, foster care income, and self-employed income.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 	 
	106	4506-T
    Indicator	A
    yes/no indicator of whether a Transcript of Tax Return (received pursuant to the filing of IRS Form 4506-T) was obtained and
    considered.	Borrower
    Qualification	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

         

        1 = Yes

         

        99 = Unknown

         
	 	 
	107	Borrower
    Income Verification Level	A
                                                                                                                                                                       code
                                                                                                                                                                       indicating
                                                                                                                                                                       the
                                                                                                                                                                       extent
                                                                                                                                                                       to
                                                                                                                                                                       which
                                                                                                                                                                       the
                                                                                                                                                                       borrower’s
                                                                                                                                                                       income
                                                                                                                                                                       has
                                                                                                                                                                       been
                                                                                                                                                                       verified:

         

        Level 4 Income Verification
        = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)

         

        Level 5 Income Verification
        = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)

         
	Borrower
    Qualification	Numeric
    – Integer	1	9	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

         

        2 = Stated, Not Verified

         

        3 = Stated, “Partially”
        Verified

         

        4 = Stated, “Level
        4” Verified (as defined)

         

        5 = Stated, “Level
        5” Verified (as defined)

         
	 	 
	*For
    self-employed borrowers: Level 4 Income Verification:

    • 2 Years Tax Returns

    • Self-prepared tax returns (regardless of 4506 and tax transcripts)

    

    ** For self-employed borrowers: Level 5 Income Verification:

    • 2 Years tax returns

    • Tax returns prepared and not executed by a CPA, with 

    o CPA name & phone number shown on the Preparer section of the tax return

    o Executed 4506 and tax transcripts (matching returns in file) 

    • Tax returns prepared and executed by a CPA (regardless of 4506 and tax transcripts)	 	 
	108	Co-Borrower
    Income Verification	A
                                                                                                                                                                                   code
                                                                                                                                                                                   indicating
                                                                                                                                                                                   the
                                                                                                                                                                                   extent
                                                                                                                                                                                   to
                                                                                                                                                                                   which
                                                                                                                                                                                   the
                                                                                                                                                                                   co-borrower’s
                                                                                                                                                                                   income
                                                                                                                                                                                   has
                                                                                                                                                                                   been
                                                                                                                                                                                   verified:

         

         

         

        Level 4 Income Verification
        = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)

         

         

         

        Level 5 Income Verification
        = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)

         

        *For self-employed borrowers:
        Level 4 Income Verification:

        • 2 Years Tax Returns

        • Self-prepared tax returns (regardless of 4506 and tax transcripts)

        

        ** For self-employed borrowers: Level 5 Income Verification:

        • 2 Years tax returns

        • Tax returns prepared and not executed by a CPA, with

        o CPA name & phone number shown on the Preparer section of the tax return

        o Executed 4506 and tax transcripts (matching returns in file)

        • Tax returns prepared and executed by a CPA (regardless of 4506 and tax transcripts)

         
	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    “Total Number of Borrowers” > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

         

        2 = Stated, Not Verified

         

        3 = Stated, “Partially”
        Verified

         

        4 = Stated, “Level
        4” Verified (as defined)

         

        5 = Stated, “Level
        5” Verified (as defined)

         
	 	 
	 	 	 
	109	Borrower
    Employment Verification	A
                                                                                                                                                                       code
                                                                                                                                                                       indicating
                                                                                                                                                                       the
                                                                                                                                                                       extent
                                                                                                                                                                       to
                                                                                                                                                                       which
                                                                                                                                                                       the
                                                                                                                                                                       primary
                                                                                                                                                                       borrower’s
                                                                                                                                                                       employment
                                                                                                                                                                       has
                                                                                                                                                                       been
                                                                                                                                                                       verified:

         

         

         

        Level 3 Verified = Direct
        Independent Verification with a third party of the borrower’s current employment.

         
	Borrower
    Qualification	Numeric
    – Integer	2	9	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

         

        2 = Stated, Not Verified

         

        3 = Stated, Level 3 Verified
        (as defined)

         
	 	 
	110	Co-Borrower
    Employment Verification	A
                                                                                                                                                                       code
                                                                                                                                                                       indicating
                                                                                                                                                                       the
                                                                                                                                                                       extent
                                                                                                                                                                       to
                                                                                                                                                                       which
                                                                                                                                                                       the
                                                                                                                                                                       co-borrower’s
                                                                                                                                                                       employment
                                                                                                                                                                       has
                                                                                                                                                                       been
                                                                                                                                                                       verified:

         

         

         

        Level 3 Verified = Direct
        Independent Verification with a third party of the co-borrower’s current employment.

         
	Borrower
    Qualification	Numeric
    – Integer	1	9	If
    “Total Number of Borrowers” > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

         

        2 = Stated, Not Verified

         

        3 = Stated, Level 3 Verified
        (as defined)

         
	 	 
	111	Borrower
    Asset Verification	A
                                                                                                                                                                       code
                                                                                                                                                                       indicating
                                                                                                                                                                       the
                                                                                                                                                                       extent
                                                                                                                                                                       to
                                                                                                                                                                       which
                                                                                                                                                                       the
                                                                                                                                                                       primary
                                                                                                                                                                       borrower’s
                                                                                                                                                                       assets
                                                                                                                                                                       used
                                                                                                                                                                       to
                                                                                                                                                                       qualify
                                                                                                                                                                       the
                                                                                                                                                                       loan
                                                                                                                                                                       have
                                                                                                                                                                       been
                                                                                                                                                                       verified:

         

         

         

        Level 4 Verified = 2 months
        of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

         

         

         
	Borrower
    Qualification	Numeric
    – Integer	3	9	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

         

        2 = Stated, Not Verified

         

        3 = Stated, “Partially”
        Verified

         

        4 = Stated, Level 4 Verified
        (as defined)

         
	 	 
	112	Co-Borrower
    Asset Verification	A
                                                                                                                                                                       code
                                                                                                                                                                       indicating
                                                                                                                                                                       the
                                                                                                                                                                       extent
                                                                                                                                                                       to
                                                                                                                                                                       which
                                                                                                                                                                       the
                                                                                                                                                                       co-borrower’s
                                                                                                                                                                       assets
                                                                                                                                                                       used
                                                                                                                                                                       to
                                                                                                                                                                       qualify
                                                                                                                                                                       the
                                                                                                                                                                       loan
                                                                                                                                                                       have
                                                                                                                                                                       been
                                                                                                                                                                       verified:

         

         

         

        Level 4 = 2 months of
        bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

         

         

         
	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    “Total Number of Borrowers” > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

         

        2 = Stated, Not Verified

         

        3 = Stated, “Partially”
        Verified

         

        4 = Stated, Level 4 Verified
        (as defined)

         
	 	 
	113	Liquid
    / Cash Reserves	The
    actual dollar amount of remaining verified liquid assets after settlement. (This should not include cash out amount of subject
    loan.)	Borrower
    Qualification	Numeric
    – Decimal	3242.76	9(9).99	Always	>=
    0	 	 	 
	114	Monthly
    Debt All Borrowers	The
    aggregate monthly payment due on other debt (excluding only installment loans with fewer than 10 payments remaining and other
    real estate loans used to compute net rental income-- which is added/subtracted in the income fields).	Borrower
    Qualification	Numeric
    – Decimal	3472.43	9(9).99	Always	>=
    0	 	 	 
	115	Originator
    DTI	Total
    Debt to income ratio used by the originator to qualify the loan.	Borrower
    Qualification	Numeric
    – Decimal	0.35	9.999999	Always	>=
    0 and >= 1	 	 	 
	116	Fully
    Indexed Rate	The
    fully indexed interest rate as of securitization cut-off.	Borrower
    Qualification	Numeric
    – Decimal	0.0975	9.999999	ARMs
    Only	>=
    0 and >= 1	 	 	 
	117	Qualification
    Method	Type
    of mortgage payment used to qualify the borrower for the loan.	Borrower
    Qualification	Numeric
    – Integer	3	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Start
                                                                                                                                                           Rate

         

        2 = First Year Cap Rate

         

        3 = I/O Amount

         

        4 = Fully Indexed

         

        5 = Min Payment

         

        98 = Other

         

        99 = Unknown

         
	 	 
	118	Percentage
    of Down Payment from Borrower Own Funds	Include
    only borrower funds, do not include any gift or borrowed funds. (Issuers may provide the actual percentage for each loan,
    or the guideline percentage and note departure concentration on the transaction summary.)	Borrower
    Qualification	Numeric
    – Decimal	0.5	9.999999	Purchase
    Loans Only	>=
    0 and >= 1	 	 	 
	119	City	The
    name of the city.	Subject
    Property	Text	New
    York	X(45)	Always	Unk=Unknown	 	 	 
	120	State	The
    name of the state as a 2-digit Abbreviation.	Subject
    Property	Text	NY	XX	Always	See
    Coding	See
    Appendix H	 	 
	121	Postal
    Code	The
    postal code (zip code in the US) where the subject property is located.	Subject
    Property	Text	10022	X(5)	Always	Unk=Unknown	 	 	 
	122	Property
    Type	Specifies
    the type of property being used to secure the loan.	Subject
    Property	Numeric
    – Integer	11	99	Always	See
    Coding	See
    Appendix D	 	 
	123	Occupancy	Specifies
    the property occupancy status (e.g., owner-occupied, investment property, second home, etc.).	Subject
    Property	Numeric
    – Integer	4	9	Always	See
    Coding	See
    Appendix E	 	 
	124	Sales
    Price	The
    negotiated price of a given property between the buyer and seller.	Subject
    Property	Numeric
    – Decimal	450000.23	9(10).99	Purchase
    Loans Only	>
    0	 	 	 
	125	Original
    Appraised Property Value	The
    appraised value of the property used to approve the loan.	Subject
    Property	Numeric
    – Decimal	550000.23	9(10).99	Always	>
    0	 	 	 
	126	Original
    Property Valuation Type	Specifies
    the method by which the property value (at the time of underwriting) was reported.	Subject
    Property	Numeric
    – Integer	8	99	Always	See
    Coding	See
    Appendix F	 	 
	127	Original
    Property Valuation Date	Specifies
    the date on which the original property value (at the time of underwriting) was reported. (Issuers unable to provide may
    Rep and Warrant that the appraisal used for underwriting was not more than x days old at time of loan closing.)	Subject
    Property	Date	20090914	YYYYMMDD	Always	“19010101”
    if unknown	 	 	 
	128	Original
    Automated Valuation Model (AVM) Model Name	The
    name of the AVM Vendor if an AVM was used to determine the original property valuation.	Subject
    Property	Numeric
    – Integer	1	99	Always	See
    Appendix I	See
    Appendix I	 	 
	129	Original
    AVM Confidence Score	The
    confidence range presented on the AVM report.	Subject
    Property	Numeric
    – Decimal	0.74	9.999999	If
    AVM Model Name (Field 127) > 0	>=
    0 to <= 1	 	 	 
	130	Most
    Recent Property Value[1]	If
    a valuation was obtained subsequent to the valuation used to calculate LTV, the most recent property value.	Subject
    Property	Numeric
    – Decimal	500000	9(10).99	If
    updated value was obtained subsequent to loan approval	>
    0	 	 	 
	131	Most
    Recent Property Valuation Type	If
    an additional property valuation was obtained after the valuation used for underwriting purposes, the method by which the
    property value was reported.	Subject
    Property	Numeric
    – Integer	6	9	If
    updated value was obtained subsequent to loan approval	See
    Coding	See
    Appendix F	 	 
	132	Most
    Recent Property Valuation Date	Specifies
    the date on which the updated property value was reported.	Subject
    Property	Date	20090914	YYYYMMDD	If
    updated value was obtained subsequent to loan approval	“19010101”
    if unknown	 	 	 
	133	Most
    Recent AVM Model Name	The
    name of the AVM Vendor if an AVM was used to determine the updated property valuation.	Subject
    Property	Numeric
    – Integer	19	99	If
    updated value was obtained subsequent to loan approval	See
    Coding	See
    Appendix I	 	 
	134	Most
    Recent AVM Confidence Score	If
    AVM used to determine the updated property valuation, the confidence range presented on the AVM report.	Subject
    Property	Numeric
    – Decimal	0.85	9.999999	If
    “Most Recent AVM Model Name” > 0	>=
    0 to <= 1	 	 	 
	135	Original
    CLTV	The
    ratio obtained by dividing the amount of all known outstanding mortgage liens on a property at origination by the lesser of
    the appraised value or the sales price.  The value is then truncated to four decimal places.	Loan-to-Value
    (LTV)	Numeric
    – Decimal	0.96	9.999999	Always	>=
    0 and <= 1.5	 	 	 
	136	Original
    LTV	The
    ratio obtained by dividing the original mortgage loan amount on the note date by the lesser of the mortgaged property’s
    appraised value on the note date or its purchase price.  The value is then truncated to four decimal places.	Loan-to-Value
    (LTV)	Numeric
    – Decimal	0.8	9.999999	Always	>=
    0 and <= 1.25	 	 	 
	137	Original
    Pledged Assets	The
    total value of assets pledged as collateral for the loan at the time of origination. Pledged assets may include cash or marketable
    securities.	Loan-to-Value
    (LTV)	Numeric
    – Decimal	75000	9(10).99	Always	>=0	 	 	 
	138	Mortgage
    Insurance Company Name	The
    name of the entity providing mortgage insurance for a loan.	Mortgage
    Insurance	Numeric
    – Integer	3	99	Always	See
    Coding	See
    Appendix G	 	 
	139	Mortgage
    Insurance Percent	Mortgage
    Insurance coverage percentage.	Mortgage
    Insurance	Numeric
    – Decimal	0.25	9.999999	“Mortgage
    Insurance Company Name” > 0	>=
    0 to <= 1	 	 	 
	140	MI:
    Lender or Borrower Paid?	An
    indicator of whether mortgage insurance is paid by the borrower or the lender.	Mortgage
    Insurance	Numeric
    – Integer	1	99	“Mortgage
    Insurance Company Name” > 0	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Borrower-Paid

         

        2 = Lender- Paid

         

        99 = Unknown

         
	 	 
	141	Pool
    Insurance Co. Name	Name
    of pool insurance provider.	Mortgage
    Insurance	Numeric
    – Integer	8	99	Always	See
    Coding	See
    Appendix G	 	 
	142	Pool
    Insurance Stop Loss %	The
    aggregate amount that a pool insurer will pay, calculated as a percentage of the pool balance.	Mortgage
    Insurance	Numeric
    – Decimal	0.25	9.999999	Pool
    MI Company > 0	>=
    0 to <= 1	 	 	 
	143	MI
    Certificate Number	The
    unique number assigned to each individual loan insured under an MI policy.	Mortgage
    Insurance	Text	123456789G	X(20)	MI
                                                                                                                                                           Company

         

        > 0

         
	UNK
    = Unknown	 	 	 
	144	Updated
                                                                                                                                                           DTI

         

        (Front-end)

         
	Updated
    front-end DTI ratio (total monthly housing expense divided by total monthly income) used to qualify the loan modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.35	9.999999	Modified
    Loans Only	>=
    0 and >= 1	 	 	 
	145	Updated
                                                                                                                                                           DTI

         

        (Back-end)

         
	Updated
    back-end DTI ratio (total monthly debt expense divided by total monthly income) used to qualify the loan modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.35	9.999999	Modified
    Loans Only	>=
    0 and >= 1	 	 	 
	146	Modification
    Effective Payment Date	Date
    of first payment due post modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Date	20090914	YYYYMMDD	Modified
    Loans Only	“19010101”
    if unknown	 	 	 
	147	Total
    Capitalized Amount	Amount
    added to the principal balance of a loan due to the modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	148	Total
    Deferred Amount	Any
    non-interest-bearing deferred amount (e.g., principal, interest and fees).	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	149	Pre-Modification
    Interest (Note) Rate	Scheduled
    Interest Rate Of The Loan Immediately Preceding The Modification Effective Payment Date.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.075	9.999999	Modified
    Loans Only	>=
    0 to <= 1	 	 	 
	150	Pre-Modification
    P&I Payment	Scheduled
    Total Principal And Interest Payment Amount Preceding The Modification Effective Payment Date – or if servicer is no
    longer advancing P&I, the payment that would be in effect if the loan were current.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	2310.57	9(10).99	Modified
    Loans Only	>
    0	 	 	 
	151	Pre-Modification
    Initial Interest Rate Change Downward Cap	Maximum
    amount the rate can adjust downward on the first interest rate adjustment date (prior to modification) – Only provide
    if the rate floor is modified.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.015	9.999999	Modified
    Loans Only	>=
    0 to <= 1	 	 	 
	152	Pre-Modification
    Subsequent Interest Rate Cap	Maximum
    increment the rate can adjust upward AFTER the initial rate adjustment (prior to modification) – Only provide if the
    Cap is modified.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.015	9.999999	Modified
    Loans Only	>=
    0 to <= 1	 	 	 
	153	Pre-Modification
    Next Interest Rate Change Date	Next
    Interest Reset Date Under The Original Terms Of The Loan (one month prior to new payment due date).	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Date	20090914	YYYYMMDD	Modified
    Loans Only	“19010101”
    if unknown	 	 	 
	154	Pre-Modification
    I/O Term	Interest
    Only Term (in months) preceding The Modification Effective Payment Date.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Integer	36	999	Modified
    Loans Only	>=
    0 to <= 120	 	 	 
	155	Forgiven
    Principal Amount	The
    sum total of all principal balance reductions (as a result of loan modification) over the life of the loan.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	156	Forgiven
    Interest Amount	The
    sum total of all interest incurred and forgiven (as a result of loan modification) over the life of the loan.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	157	Number
    of Modifications	The
    number of times the loan has been modified.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Integer	1	9	Modified
    Loans Only	>=
    0	 	 	 
	158	Cash
    To/From Brrw at Closing	Indicates
    the amount of cash the borrower(s) paid into or received at closing. 
 
 [HUD-1 Bottom Line] + [Earnest money] + [Paid
    Outside Closing Items]	 	Numeric
    – Decimal	100000.01	9(10).99	 	 	 	 	 
	159	Brrw
    - Yrs at in Industry	Number
    of years the primary borrower has been working in their current industry	 	Numeric
    – Decimal	9.9	9.999999	 	 	 	 	 
	160	CoBrrw
    - Yrs at in Industry	Number
    of years the co-borrower has been working in their current industry	 	Numeric
    – Decimal	8	9.999999	 	 	 	 	 
	161	Junior
    Mortgage Drawn Amount	Applicable
    if the subject loan is a first mortgage.   At the time of origination for the subject loan, the sum of the outstanding
    balance(s) for any junior mortgages (HELOCs and closed-end).	 	Numeric
    – Decimal	100000.01	9(10).99	 	 	 	 	 
	162	Maturity
    Date	Maturity
    date of mortgage	 	Date	20420501	YYYYMMDD	 	 	 	 	 
	163	Primary
    Borrower Wage Income (Salary)	The
    primary borrower's salary wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	164	Primary
    Borrower Wage Income (Bonus)	The
    primary borrower's bonus wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	165	Primary
    Borrower Wage Income (Commission)	The
    primary borrower's commission wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	166	Co-Borrower
    Wage Income (Salary)	The
    coborrower's salary wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	167	Co-Borrower
    Wage Income (Bonus)	The
    coborrower's bonus wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	168	Co-Borrower
    Wage Income (Commission)	The
    coborrower's commission wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	169	Originator
    Doc Code	Documentation
    Code value as presented by the seller.	 	Text	Full	XXXX	 	 	 	 	 
	170	RWT
    Income Verification	Internal
    Redwood Derived field.  Due Diligence / Trade Desk derived value indicating the level of primary borrower asset verification	 	Text	2
    Years	XXXX	 	 	 	 	 
	171	RWT
    Asset Verification	Internal
    Redwood Derived field.  Due Diligence / Trade Desk derived value indicating the level of primary borrower Income verification	 	Text	2
    Months	XXXX	 	 	 	 	 
	MH-1	Real
    Estate Interest	Indicates
    whether the property on which the manufactured home is situated is owned outright or subject to the terms of a short- or long-term
    lease. (A long-term lease is defined as a lease whose term is greater than or equal to the loan term.)	Manufactured
    Housing	Numeric
    – Integer	2	99	Manufactured
    Housing Loans Only	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Owned

         

        2 = Short-term lease

         

        3 = Long-term lease

         

        99 = Unavailable

         
	 	 
	MH-2	Community
    Ownership Structure	If
    the manufactured home is situated in a community, a means of classifying ownership of the community.	Manufactured
    Housing	Numeric
    – Integer	2	99	Manufactured
    Housing Loans Only	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Public
                                                                                                                                                           Institutional

         

        2 = Public Non-Institutional

         

        3 = Private Institutional

         

        4 = Private Non-Institutional

         

        5 = HOA-Owned

         

        6 = Non-Community

         

        99 = Unavailable

         
	 	 
	MH-3	Year
    of Manufacture	The
    year in which the home was manufactured (Model Year -- YYYY Format). Required only in cases where a full appraisal is not
    provided.	Manufactured
    Housing	Numeric
    – Integer	2006	YYYY	Manufactured
    Housing Loans Only	1901
    = Unavailable	 	 	 
	MH-4	HUD
    Code Compliance  Indicator (Y/N)	Indicates
    whether the home was constructed in accordance with the 1976 HUD code. In general, homes manufactured after 1976 comply with
    this code.	Manufactured
    Housing	Numeric
    – Integer	1	9	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           No

         

        1 = Yes

         

        99 = Unavailable

         
	 	 
	MH-5	Gross
    Manufacturer’s Invoice Price	The
    total amount that appears on the manufacturer’s invoice (typically includes intangible costs such as transportation,
    association, on-site setup, service and warranty costs, taxes, dealer incentives, and other fees).	Manufactured
    Housing	Numeric
    – Decimal	72570.62	9(10).99	Manufactured
    Housing Loans Only	>=
    0	 	 	 
	MH-6	LTI
    (Loan-to-Invoice) Gross	The
    ratio of the loan amount divided by the Gross Manufacturer’s Invoice Price (Field MH-5).	Manufactured
    Housing	Numeric
    – Decimal	0.75	9.999999	Manufactured
    Housing Loans Only	>=
    0 to <= 1	 	 	 
	MH-7	Net
    Manufacturer’s Invoice Price	The
    Gross Manufacturer’s Invoice Price (Field MH-5) minus intangible costs, including: transportation, association,
    on-site setup, service, and warranty costs, taxes, dealer incentives, and other fees.	Manufactured
    Housing	Numeric
    – Decimal	61570.62	9(10).99	Manufactured
    Housing Loans Only	>=
    0	 	 	 
	MH-8	LTI
    (Net)	The
    ratio of the loan amount divided by the Net Manufacturer’s Invoice Price (Field MH-7).	Manufactured
    Housing	Numeric
    – Decimal	0.62	9.999999	Manufactured
    Housing Loans Only	>=
    0 to <= 1	 	 	 
	MH-9	Manufacturer
    Name	The
    manufacturer of the subject property. (To be applied only in cases where no appraised value/other type of property valuation
    is available.)	Manufactured
    Housing	Text	“XYZ
    Corp”	Char
    (100)	Manufactured
    Housing Loans Only (where no appraised value is provided)	MH
    Manufacturer name in double quotation marks	 	 	 
	MH-10	Model
    Name	The
    model name of the subject property. (To be applied only in cases where no appraised value/other type of property valuation
    is available.)	Manufactured
    Housing	Text	“DX5-916-X”	Char
    (100)	Manufactured
    Housing Loans Only (where no appraised value is provided)	MH
    Model name in double quotation marks	 	 	 
	MH-11	Down
    Payment Source	An
    indicator of the source of the down payment used by the borrower to acquire the property and qualify for the mortgage.	Manufactured
    Housing	Numeric
    – Integer	2	99	Manufactured
    Housing Loans Only	See
    Codes	1
                                                                                                                                                           =
                                                                                                                                                           Cash

         

        2 = Proceeds from trade
        in

         

        3 = Land in Lieu

         

        4 = Other

         

        99 = Unavailable

         
	 	 
	MH-12	Community/Related
    Party Lender (Y/N)	An
    indicator of whether the loan was made by the community owner, an affiliate of the community owner or the owner of the real
    estate upon which the collateral is located.	Manufactured
    Housing	Numeric
    – Integer	1	99	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           No

         

        1 = Yes

         

        99 = Unavailable

         
	 	 
	MH-13	Defined
    Underwriting Criteria (Y/N)	An
    indicator of whether the loan was made in accordance with a defined and/or standardized set of underwriting criteria.	Manufactured
    Housing	Numeric
    – Integer	1	99	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           No

         

        1 = Yes

         

        99 = Unavailable

         
	 	 
	MH-14	Chattel
    Indicator	An
    Indicator of whether the secured property is classified as chattel or Real Estate.	Manufactured
    Housing	Numeric
    – Integer	1	99	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           Real
                                                                                                                                                           Estate

         

        1 = Chattel

         

        99 = Unavailable

         
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

 

 

 

 

    	1

    	 

    

 

ATTACHMENT 2

 

PURCHASE AND SERVICING AGREEMENT

 

See Exhibit 10.7 to Form 8-K filed by
the Issuing Entity on June 29, 2012

 

    	2

    	 

    

 

ATTACHMENT 3

 

ADDITIONAL DEFINED TERMS FROM POOLING
AND SERVICING

AGREEMENT

 

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

 

Independent: When used with respect
to any other Person, a Person who (a) is in fact independent of another specified Person and any Affiliate of such other Person,
(b) does not have any material direct financial interest in such other Person or any Affiliate of such other Person, and (c) is
not connected with such other Person or any Affiliate of such other Person as an officer, employee, promoter, underwriter, trustee,
partner, director or Person performing similar functions.

 

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

 

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

 

Servicing Modification: Any reduction
of the Note Rate on or the outstanding principal balance of a Mortgage Loan, any extension of the final maturity date of a Mortgage
Loan, any increase to the outstanding principal balance of a Mortgage Loan by adding to the Stated Principal Balance unpaid principal
and interest and other amounts owing under the Mortgage Loan, any Principal Forbearance Amount and any other modification, in each
case pursuant to a modification of a Mortgage Loan that is in default or for which, in the judgment of the Servicer, default is
reasonably foreseeable in accordance with the Purchase and Servicing Agreement.

 

    	3

    	 

    

 

EXHIBIT D-3

 

INITIAL AUTHORIZED REPRESENTATIVES
OF THE SERVICER

 

	Name	 	Title	 	Specimen Signature
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 
	 	 	 	 	 

 

    	D-3

    	 

    

 

EXHIBIT F

 

REQUEST FOR RELEASE OF DOCUMENTS

 

	To:	 	Wells Fargo Bank, N.A.	 	Date:  _______________
	 	 	751 Kasota Avenue	 	 
	 	 	Minneapolis, MN  55414	 	 
	 	 	Attn:  WFDC Release Department.	 	 

 

		Re:	Custodial Agreement, dated as of June 1, 2012, among Christiana Trust, a division of Wilmington Savings Fund Society, FSB,
as Trustee, Wells Fargo Bank, N.A., as Custodian, Sequoia Residential Funding, Inc., as Depositor, and Redwood Residential Acquisition
Corporation, as Seller

 

In connection with the administration of
the Mortgage Loans held by you as Custodian for the Trustee pursuant to the above-captioned Custodial Agreement, we request the
release of the Custodian’s Mortgage File for the Mortgage Loan described below, for the reason indicated.

 

	Mortgage Loan Number:	 	Investor Number:
	 	 	 
	Mortgagor Name, Address & Zip Code:	 	Pool Number:

 

Reason for Requesting Documents (check one):

 

_______ 1. Mortgage Paid in Full

 

_______ 2. Foreclosure

 

_______ 3. Substitution

 

_______ 4. Other Liquidation

 

_______ 5. Non-liquidation                         Reason:__________________

 

     For CMI Use Only:_____________

 

	By:	 	 
	 	(Authorized Signature)	 

 

	Printed Name	 	 	 
	 	 	 	 
	Servicer Name:	 	PHH Mortgage Corporation	 
	 	 	 	 
	Ship To Address:	 	One Mortgage Way	 
	 	 	 	 
	 	 	Mount Laurel, NJ  08054	 
	 	 	 	 
	Phone:	 	 	 

 

    	F-1

    	 

    
 

Custodian

 

	Please acknowledge the execution of the above request by your signature and date below:
	 	 	 	 
	 	 	Date	 
	Signature	 	 	 
	 	 	 	 
	Documents returned to Custodian:	 	 	 
	 	 	 	 
	 	 	Date	 
	Custodian	 	 	 

 

    	F-2

    	 

    

 

EXHIBIT 13

 

FORM OF MONTHLY LOSS REPORT

 

Exhibit  :  Calculation
of Realized Loss/Gain Form 332– Instruction Sheet

 

NOTE: Do not net or combine
items. Show all expenses individually and all credits as separate line items. Claim packages are due on the remittance report date.
Late submissions may result in claims not being passed until the following month. The Servicer is responsible to remit all funds
pending loss approval and /or resolution of any disputed items.

 

The numbers on the 332
form correspond with the numbers listed below.

 

Liquidation and Acquisition Expenses:

 

		1.	The Actual Unpaid Principal Balance of the Mortgage Loan. For documentation, an Amortization Schedule
from date of default through liquidation breaking out the net interest and servicing fees advanced is required.

		2.	The Total Interest Due less the aggregate amount of servicing fee that would have been earned if
all delinquent payments had been made as agreed. For documentation, an Amortization Schedule from date of default through liquidation
breaking out the net interest and servicing fees advanced is required.

		3.	Accrued Servicing Fees based upon the Scheduled Principal Balance of the Mortgage Loan as calculated
on a monthly basis. For documentation, an Amortization Schedule from date of default through liquidation breaking out the net interest
and servicing fees advanced is required.

		4-12.	Complete as applicable. Required documentation:

		*	For taxes and insurance advances – see page 2 of 332 form - breakdown required showing period
of coverage, base tax, interest, penalty. Advances prior to default require evidence of servicer efforts to recover advances.

		*	For escrow advances - complete payment history (to calculate advances from last positive escrow
balance forward)

		*	Other expenses - copies of corporate advance history showing all payments

		*	REO repairs > $1500 require explanation

		*	REO repairs >$3000 require evidence of at least 2 bids.

		*	Short Sale or Charge Off require P&L supporting the decision and WFB’s approved Officer
Certificate

		*	Unusual or extraordinary items may require further documentation.

		13.	The total of lines 1 through 12.

 

Credits:

 

		14-21.	Complete as applicable. Required documentation:

		*	Copy of the HUD 1 from the REO sale. If a 3rd Party Sale, bid instructions and Escrow
Agent / Attorney Letter of Proceeds Breakdown.

		*	Copy of EOB for any MI or gov't guarantee

		*	All other credits need to be clearly defined on the 332 form

		22.	The total of lines 14 through 21.

 

    	 

    	 

    
 

	 	Please Note: 	For HUD/VA loans, use line (18a) for Part A/Initial proceeds and line (18b) for Part B/Supplemental proceeds.

 

Total Realized Loss (or
Amount of Any Gain)

		23.	The total derived from subtracting line 22 from 13. If the amount
represents a realized gain, show the amount in parenthesis ( ).

 

    	 

    	 

    

 

Exhibit
3A: Calculation of Realized Loss/Gain Form 332

 

Prepared by: __________________          Date:
_______________

Phone: ______________________           Email Address: _____________________

 

	Servicer Loan No.	 	Servicer Name	 	Servicer Address
	 	 	 	 	 
	 	 	 	 	 

 

WELLS FARGO BANK, N.A. Loan
No._____________________________

 

Borrower's Name: _________________________________________________________

Property Address: _________________________________________________________

 

Liquidation Type: REO Sale        3rd
Party Sale        Short Sale        Charge Off

 

Was this loan granted a Bankruptcy
deficiency or cramdown         Yes        No

If “Yes”, provide
deficiency or cramdown amount _______________________________

 

	Liquidation and Acquisition Expenses:	 	 	 	 
	 	 	 	 	 	 	 
	(1)	 	Actual Unpaid Principal Balance of Mortgage Loan	 	$ ______________	 	(1)
	 	 	 	 	 	 	 
	(2)	 	Interest accrued at Net Rate	 	________________	 	(2)
	 	 	 	 	 	 	 
	(3)	 	Accrued Servicing Fees	 	________________	 	(3)
	 	 	 	 	 	 	 
	(4)	 	Attorney's Fees	 	________________	 	(4)
	 	 	 	 	 	 	 
	(5)	 	Taxes (see page 2)	 	________________	 	(5)
	 	 	 	 	 	 	 
	(6)	 	Property Maintenance	 	________________	 	(6)
	 	 	 	 	 	 	 
	(7)	 	MI/Hazard Insurance Premiums (see page 2)	 	________________	 	(7)
	 	 	 	 	 	 	 
	(8)	 	Utility Expenses	 	________________	 	(8)
	 	 	 	 	 	 	 
	(9)	 	Appraisal/BPO	 	________________	 	(9)
	 	 	 	 	 	 	 
	(10)	 	Property Inspections	 	________________	 	(10)
	 	 	 	 	 	 	 
	(11)	 	FC Costs/Other Legal Expenses	 	________________	 	(11)
	 	 	 	 	 	 	 
	(12)	 	Other (itemize)	 	________________	 	(12)
	 	 	 	 	 	 	 
	 	 	Cash for Keys__________________________	 	________________	 	(12)
	 	 	 	 	 	 	 
	 	 	HOA/Condo Fees_______________________	 	________________	 	(12)
	 	 	 	 	 	 	 
	 	 	______________________________________	 	________________	 	(12)
	 	 	 	 	 	 	 
	 	 	Total Expenses	 	$_______________	 	(13)

 

    	 

    	 

    
 

	Credits:	 	 	 	 
	 	 	 	 	 	 	 
	(14)	 	Escrow Balance	 	$_______________	 	(14)
	 	 	 	 	 	 	 
	(15)	 	HIP Refund	 	________________	 	(15)
	 	 	 	 	 	 	 
	(16)	 	Rental Receipts	 	________________	 	(16)
	 	 	 	 	 	 	 
	(17)	 	Hazard Loss Proceeds	 	________________	 	(17)
	 	 	 	 	 	 	 
	(18)	 	Primary Mortgage Insurance / Gov’t Insurance	 	________________	 	(18a) HUD Part A
	 	 	 	 	 	 	 
	 	 	 	 	________________	 	(18b) HUD Part B 
	 	 	 	 	 	 	 
	(19)	 	Pool Insurance Proceeds	 	________________	 	(19)
	 	 	 	 	 	 	 
	(20)	 	Proceeds from Sale of Acquired Property	 	________________	 	(20)
	 	 	 	 	 	 	 
	(21)	 	Other (itemize)	 	________________	 	(21)
	 	 	 	 	 	 	 
	 	 	_________________________________________	 	________________	 	(21)
	 	 	 	 	 	 	 
	 	 	Total Credits	 	$________________	 	(22)
	 	 	 	 	 	 	 
	Total Realized Loss (or Amount of Gain)	 	$________________	 	(23)

 

    	 

    	 

    

 

Escrow Disbursement Detail

 

	Type	 	 	 	 	 	 	 	 	 	 	 	 
	(Tax /	 	Date	 	Period of	 	Total	 	Base	 	 	 	 
	Ins.)	 	 Paid	 	Coverage	 	 Paid	 	Amount	 	Penalties	 	Interest
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

EXHIBIT 14

 

FORM OF DELINQUENCY REPORTING

 

Exhibit
: Standard File Layout – Delinquency Reporting

 

*The column/header names in bold
are the minimum fields Wells Fargo must receive from every Servicer

 

	Column/Header
    Name	 	Description	 	Decimal	 	Format
    

Comment
	SERVICER_LOAN_NBR	 	A unique number assigned to a loan
    by the Servicer.  This may be different than the LOAN_NBR	 	 	 	 
	 	 	 	 	 	 	 
	LOAN_NBR	 	A unique identifier assigned to
    each loan by the originator.	 	 	 	 
	 	 	 	 	 	 	 
	CLIENT_NBR	 	Servicer Client Number	 	 	 	 
	 	 	 	 	 	 	 
	SERV_INVESTOR_NBR	 	Contains a unique number as assigned
    by an external servicer to identify a group of loans in their system.	 	 	 	 
	 	 	 	 	 	 	 
	BORROWER_FIRST_NAME	 	First Name of the Borrower.	 	 	 	 
	 	 	 	 	 	 	 
	BORROWER_LAST_NAME	 	Last name of the borrower.	 	 	 	 
	 	 	 	 	 	 	 
	PROP_ADDRESS	 	Street Name and Number of Property	 	 	 	 
	 	 	 	 	 	 	 
	PROP_STATE	 	The state where the  property
    located.	 	 	 	 
	 	 	 	 	 	 	 
	PROP_ZIP	 	Zip code where the property is located.	 	 	 	 
	 	 	 	 	 	 	 
	BORR_NEXT_PAY_DUE_DATE	 	The date that the borrower's next
    payment is due to the servicer at the end of processing cycle, as reported by Servicer.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LOAN_TYPE	 	Loan Type (i.e. FHA, VA, Conv)	 	 	 	 
	 	 	 	 	 	 	 
	BANKRUPTCY_FILED_DATE	 	The date a particular bankruptcy
    claim was filed.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	BANKRUPTCY_CHAPTER_CODE	 	The chapter under which the bankruptcy
    was filed.	 	 	 	 
	 	 	 	 	 	 	 
	BANKRUPTCY_CASE_NBR	 	The case number assigned by the
    court to the bankruptcy filing.	 	 	 	 
	 	 	 	 	 	 	 
	POST_PETITION_DUE_DATE	 	The payment due date once the bankruptcy
    has been approved by the courts	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	BANKRUPTCY_DCHRG_DISM_DATE	 	The Date The Loan Is Removed From
    Bankruptcy. Either by Dismissal, Discharged and/or a Motion For Relief Was Granted.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LOSS_MIT_APPR_DATE	 	The Date The Loss Mitigation Was
    Approved By The Servicer	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LOSS_MIT_TYPE	 	The Type Of Loss Mitigation Approved
    For A Loan Such As;	 	 	 	 

 

    	 

    	 

    

 

	Column/Header
    Name	 	Description	 	Decimal	 	Format
    

    Comment
	LOSS_MIT_EST_COMP_DATE	 	The Date The Loss Mitigation /Plan
    Is Scheduled To End/Close	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LOSS_MIT_ACT_COMP_DATE	 	The Date The Loss Mitigation Is
    Actually Completed	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_APPROVED_DATE	 	The date DA Admin sends a letter
    to the servicer with instructions to begin foreclosure proceedings.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	ATTORNEY_REFERRAL_DATE	 	Date File Was Referred To Attorney
    to Pursue Foreclosure	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FIRST_LEGAL_DATE	 	Notice of 1st legal filed by an
    Attorney in a Foreclosure Action	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_SALE_EXPECTED_DATE	 	The date by which a foreclosure
    sale is expected to occur.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_SALE_DATE	 	The actual date of the foreclosure
    sale.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_SALE_AMT	 	The amount a property sold for at
    the foreclosure sale.	 	2	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	EVICTION_START_DATE	 	The date the servicer initiates
    eviction of the borrower.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	EVICTION_COMPLETED_DATE	 	The date the court revokes legal
    possession of the property from the borrower.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LIST_PRICE	 	The price at which an REO property
    is marketed.	 	2	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	LIST_DATE	 	The date an REO property is listed
    at a particular price.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	OFFER_AMT	 	The dollar value of an offer for
    an REO property.	 	2	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	OFFER_DATE_TIME	 	The date an offer is received by
    DA Admin or by the Servicer.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	REO_CLOSING_DATE	 	The date the REO sale of the property
    is scheduled to close.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	REO_ACTUAL_CLOSING_DATE	 	Actual Date Of REO Sale	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	OCCUPANT_CODE	 	Classification of how the property
    is occupied.	 	 	 	 
	 	 	 	 	 	 	 
	PROP_CONDITION_CODE	 	A code that indicates the condition
    of the property.	 	 	 	 
	 	 	 	 	 	 	 
	PROP_INSPECTION_DATE	 	The date a  property inspection
    is performed.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	APPRAISAL_DATE	 	The date the appraisal was done.	 	 	 	MM/DD/YYYY

 

    	 

    	 

    

 

	Column/Header
    Name	 	Description	 	Decimal	 	Format
    

    Comment
	CURR_PROP_VAL	 	The current "as is" value
    of the property based on brokers price opinion or appraisal.	 	2	 	 
	 	 	 	 	 	 	 
	REPAIRED_PROP_VAL	 	The amount the property would be
    worth if repairs are completed pursuant to a broker's price opinion or appraisal.	 	2	 	 
	 	 	 	 	 	 	 
	If applicable:	 	 	 	 	 	 
	 	 	 	 	 	 	 
	DELINQ_STATUS_CODE	 	FNMA Code Describing Status of Loan	 	 	 	 
	 	 	 	 	 	 	 
	DELINQ_REASON_CODE	 	The circumstances which caused a
    borrower to stop paying on a loan.   Code indicates the reason why the loan is in default for this cycle.	 	 	 	 
	 	 	 	 	 	 	 
	MI_CLAIM_FILED_DATE	 	Date Mortgage Insurance Claim Was
    Filed With Mortgage Insurance Company.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	MI_CLAIM_AMT	 	Amount of Mortgage Insurance Claim
    Filed	 	 	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	MI_CLAIM_PAID_DATE	 	Date Mortgage Insurance Company
    Disbursed Claim Payment	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	MI_CLAIM_AMT_PAID	 	Amount Mortgage Insurance Company
    Paid On Claim	 	2	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	POOL_CLAIM_FILED_DATE	 	Date Claim Was Filed With Pool Insurance
    Company	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	POOL_CLAIM_AMT	 	Amount of Claim Filed With Pool
    Insurance Company	 	2	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	POOL_CLAIM_PAID_DATE	 	Date Claim Was Settled and The Check
    Was Issued By The Pool Insurer	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	POOL_CLAIM_AMT_PAID	 	Amount Paid On Claim By Pool Insurance
    Company	 	2	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	FHA_PART_A_CLAIM_FILED_DATE	 	Date FHA Part A Claim Was Filed
    With HUD	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FHA_PART_A_CLAIM_AMT	 	Amount of FHA Part A Claim Filed	 	2	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	FHA_PART_A_CLAIM_PAID_DATE	 	Date HUD Disbursed Part A Claim
    Payment	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FHA_PART_A_CLAIM_PAID_AMT	 	Amount HUD Paid on Part A Claim	 	2	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	FHA_PART_B_CLAIM_FILED_DATE	 	Date FHA Part B Claim Was Filed
    With HUD	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FHA_PART_B_CLAIM_AMT	 	Amount of FHA Part B Claim Filed	 	2	 	No commas(,) or dollar signs ($)

 

    	 

    	 

    

 

	Column/Header
    Name	 	Description	 	Decimal	 	Format

Comment
	FHA_PART_B_CLAIM_PAID_DATE	 	Date HUD Disbursed Part B Claim Payment	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FHA_PART_B_CLAIM_PAID_AMT	 	Amount HUD Paid on Part B Claim	 	2	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	VA_CLAIM_FILED_DATE	 	Date VA Claim Was Filed With the Veterans Admin	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	VA_CLAIM_PAID_DATE	 	Date Veterans Admin. Disbursed VA Claim Payment	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	VA_CLAIM_PAID_AMT	 	Amount Veterans Admin. Paid on VA Claim	 	2	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	MOTION_FOR_RELIEF_DATE	 	The date the Motion for Relief was filed	 	10	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_BID_AMT	 	The foreclosure sale bid amount	 	11	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	FRCLSR_SALE_TYPE	 	The foreclosure sales results: REO, Third Party, Conveyance to HUD/VA	 	 	 	 
	 	 	 	 	 	 	 
	REO_PROCEEDS	 	The net proceeds from the sale of the REO property.	 	 	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	BPO_DATE	 	The date the BPO was done.	 	 	 	 
	 	 	 	 	 	 	 
	CURRENT_FICO	 	The current FICO score	 	 	 	 
	 	 	 	 	 	 	 
	HAZARD_CLAIM_FILED_DATE	 	The date the Hazard Claim was filed with the Hazard Insurance Company.	 	10	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	HAZARD_CLAIM_AMT	 	The amount of the Hazard Insurance Claim filed.	 	11	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	HAZARD_CLAIM_PAID_DATE	 	The date the Hazard Insurance Company disbursed the claim payment.	 	10	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	HAZARD_CLAIM_PAID_AMT	 	The amount the Hazard Insurance Company paid on the claim.	 	11	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	ACTION_CODE	 	Indicates loan status	 	 	 	Number
	 	 	 	 	 	 	 
	NOD_DATE	 	 	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	NOI_DATE	 	 	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	ACTUAL_PAYMENT_PLAN_START_DATE	 	 	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	ACTUAL_PAYMENT_ PLAN_END_DATE	 	 	 	 	 	 
	 	 	 	 	 	 	 
	ACTUAL_REO_START_DATE	 	 	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	REO_SALES_PRICE	 	 	 	 	 	Number
	 	 	 	 	 	 	 
	REALIZED_LOSS/GAIN	 	As defined in the Servicing Agreement	 	 	 	Number

 

    	 

    	 

    

 

Exhibit
2: Standard File Codes – Delinquency Reporting

 

The Loss Mit Type field should show the approved
Loss Mitigation Code as follows:

		·	ASUM-  Approved Assumption

		·	BAP-      Borrower Assistance Program

		·	CO-        Charge Off

		·	DIL-       Deed-in-Lieu

		·	FFA-      Formal Forbearance Agreement

		·	MOD-    Loan Modification

		·	PRE-      Pre-Sale

		·	SS-         Short Sale

		·	MISC-   Anything else approved by the PMI or Pool Insurer

 

NOTE: Wells Fargo Bank will accept alternative
Loss Mitigation Types to those above, provided that they are consistent with industry standards. If Loss Mitigation Types other
than those above are used, the Servicer must supply Wells Fargo Bank with a description of each of the Loss Mitigation Types prior
to sending the file.

 

The Occupant Code field should show the current
status of the property code as follows:

		·	Mortgagor

		·	Tenant

		·	Unknown

		·	Vacant

 

The Property Condition field should show the last
reported condition of the property as follows:

		·	Damaged

		·	Excellent

		·	Fair

		·	Gone

		·	Good

		·	Poor

		·	Special Hazard

		·	Unknown

 

    	 

    	 

    

 

Exhibit
2: Standard File Codes – Delinquency Reporting, Continued

 

The FNMA Delinquent Reason Code field should show
the Reason for Delinquency as follows:

 

	Delinquency	 	 
	Code	 	Delinquency Description 
	001	 	FNMA-Death of principal mortgagor
	002	 	FNMA-Illness of principal mortgagor
	003	 	FNMA-Illness of mortgagor’s family member
	004	 	FNMA-Death of mortgagor’s family member
	005	 	FNMA-Marital difficulties
	006	 	FNMA-Curtailment of income
	007	 	FNMA-Excessive Obligation
	008	 	FNMA-Abandonment of property
	009	 	FNMA-Distant employee transfer
	011	 	FNMA-Property problem
	012	 	FNMA-Inability to sell property
	013	 	FNMA-Inability to rent property
	014	 	FNMA-Military Service
	015	 	FNMA-Other
	016	 	FNMA-Unemployment
	017	 	FNMA-Business failure
	019	 	FNMA-Casualty loss
	022	 	FNMA-Energy environment costs
	023	 	FNMA-Servicing problems
	026	 	FNMA-Payment adjustment
	027	 	FNMA-Payment dispute
	029	 	FNMA-Transfer of ownership pending
	030	 	FNMA-Fraud
	031	 	FNMA-Unable to contact borrower
	INC	 	FNMA-Incarceration

 

    	 

    	 

    

 

Exhibit
2: Standard File Codes – Delinquency Reporting, Continued

 

The FNMA Delinquent Status Code field should show
the Status of Default as follows:

 

	Status Code	 	Status Description
	09	 	Forbearance
	17	 	Pre-foreclosure Sale Closing Plan Accepted
	24	 	Government Seizure
	26	 	Refinance
	27	 	Assumption
	28	 	Modification
	29	 	Charge-Off
	30	 	Third Party Sale
	31	 	Probate
	32	 	Military Indulgence
	43	 	Foreclosure Started
	44	 	Deed-in-Lieu Started
	49	 	Assignment Completed
	61	 	Second Lien Considerations
	62	 	Veteran’s Affairs-No Bid
	63	 	Veteran’s Affairs-Refund
	64	 	Veteran’s Affairs-Buydown
	65	 	Chapter 7 Bankruptcy
	66	 	Chapter 11 Bankruptcy
	67	 	Chapter 13 BankruptcyEXHIBIT 10.4

 

EXECUTION COPY

 

ASSIGNMENT, ASSUMPTION AND RECOGNITION
AGREEMENT

 

THIS
ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT, dated as of June 27, 2012 (the “Assignment”), is entered into by
and among Redwood Residential Acquisition Corporation (the “Assignor” and, solely in its capacity as servicing administrator
described herein, the “Servicing Administrator”), Sequoia Residential Funding, Inc. (the “Depositor”),
Cenlar FSB, as the servicer (the “Servicer”), and Christiana Trust, a division of Wilmington Savings Fund Society,
FSB, a federal savings bank, not in its individual capacity but solely as trustee (in such capacity, the “Trustee”
and as referred to herein, the “Assignee”) under a Pooling and Servicing Agreement dated as of June 1, 2012 (the “Pooling
and Servicing Agreement”) among the Depositor, the Assignee and Wells Fargo Bank, N.A., as master servicer and securities
administrator.

 

RECITALS

 

WHEREAS, the Assignor
and the Servicer have entered into a certain Flow Mortgage Loan Servicing Agreement, dated as of August 1, 2011, as amended by
the Amendment No. 1 to Flow Mortgage Loan Servicing Agreement dated November 3, 2011, and hereby (the “Flow Servicing Agreement”),
and the Servicer is currently servicing certain mortgage loans (the “Mortgage Loans”) under the Flow Servicing Agreement;
and

 

WHEREAS, the Assignor
will sell the Mortgage Loans (the “Specified Mortgage Loans”) that are listed on the mortgage loan schedule attached
as Exhibit I hereto (the “Specified Mortgage Loan Schedule”) and its rights under the Flow Servicing Agreement
with respect to the Specified Mortgage Loans to the Depositor; and

 

WHEREAS, the Depositor
will sell to the Assignee all of its right, title and interest in the Specified Mortgage Loans and its rights under the Flow Servicing
Agreement with respect to the Specified Mortgage Loans; and

 

WHEREAS, the parties
hereto have agreed that the Specified Mortgage Loans shall be subject to the terms of this Assignment.

 

NOW, THEREFORE, in
consideration of the mutual promises contained herein and other good and valuable consideration (the receipt and sufficiency of
which are hereby acknowledged), the parties agree as follows:

 

		1.	Assignment and Assumption.

 

(a)          Effective
on and as of the date hereof, the Assignor hereby sells, assigns, conveys and transfers to the Depositor all of its right, title
and interest in, to and under the Flow Servicing Agreement to the extent relating to the Specified Mortgage Loans, together with
its obligations as “Owner” (as such term is defined in the Flow Servicing Agreement) to the extent relating to the
Specified Mortgage Loans, and the Depositor hereby accepts such assignment from the Assignor and assumes such obligations.

 

    	 

    	 

    

 

(b)          Effective
on and as of the date hereof, the Depositor hereby sells, assigns, conveys and transfers to the Assignee all of its right, title
and interest in, to and under the Flow Servicing Agreement to the extent relating to the Specified Mortgage Loans, together with
its obligations as “Owner” (as such term is defined in the Flow Servicing Agreement) to the extent relating to the
Specified Mortgage Loans, the Depositor is released from all obligations under the Flow Servicing Agreement, and the Assignee
hereby accepts such assignment from the Depositor.

 

(c)          Assignee
agrees to be bound, as “Owner” (as such term is defined in the Flow Servicing Agreement), by all of the terms, covenants
and conditions of the Flow Servicing Agreement relating to the Specified Mortgage Loans, and from and after the date hereof, Assignee
assumes for the benefit of each of Assignor, Depositor and Servicer all of Assignor’s obligations as Owner thereunder in
respect of the Specified Mortgage Loans, and Assignor is released from such obligations.

 

		2.	Recognition of the Assignee.

 

From and after the
date hereof, subject to Section 3 below, the Servicer shall recognize the Assignee as the holder of the rights and benefits of
the Owner with respect to the Specified Mortgage Loans and the Servicer will service the Specified Mortgage Loans for the Assignee
as if the Assignee and the Servicer had entered into a separate servicing agreement for the servicing of the Specified Mortgage
Loans in the form of the Flow Servicing Agreement with the Assignee as the Owner thereunder, the terms of which Flow Servicing
Agreement are incorporated herein by reference and amended hereby. It is the intention of the parties hereto that this Assignment
will be a separate and distinct agreement, and the entire agreement, between the parties hereto to the extent of the Specified
Mortgage Loans and shall be binding upon and for the benefit of the respective successors and assigns of the parties hereto.

 

		3.	Continuing Rights and Responsibilities.

 

(a) Controlling
Holder Rights. The parties hereto agree and acknowledge that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor,
in its capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the
Controlling Holder, will assume all of Assignee’s rights and all related responsibilities as Owner under the section of
the Flow Servicing Agreement listed below:

 

		Flow	Servicing Agreement:

 

	Section	 	Matter
	 	 	 
	11.20	 	Servicer Shall Provide Access and Information as Reasonably Required.

 

(b)          Notwithstanding
Sections 1 and 2 above, Assignor reserves its rights under, and does not assign to Assignee or Depositor, the ongoing rights to
take action and the responsibilities of the Owner under the Sections of the Flow Servicing Agreement listed below:

 

    	2

    	 

    

 

		Flow	Servicing Agreement:

 

	Section	 	Matter
	 	 	 
	Addendum I	 	Regulation AB Compliance Addendum

 

(c)          In
addition, the Servicer agrees to furnish to the Assignor as well as to the Master Servicer copies of reports, notices, statements
and other communications required to be delivered by the Servicer pursuant to any of the sections of the Flow Servicing Agreement
referred to above and under the following sections, at the times therein specified:

 

			Flow Servicing Agreement:

 

	Section	 	 
	 	 	 
	11.09	 	Transfer of Accounts.
	 	 	 
	11.16	 	Statements to the Owner.
	 	 	 
	Subsection 2.04 of Addendum I	 	Servicer Compliance Statement.
	 	 	 
	Subsection 2.05 of Addendum I	 	Report on Assessment of Compliance and Attestation.

 

(d)          If
there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights and responsibilities assumed by the
Controlling Holder pursuant to Section 3(a) shall terminate and revert to Assignee. Assignor will provide thirty (30) days notice
to the Servicer of any such termination or a change in the identity of the Controlling Holder of which Assignor has knowledge.

 

(e)          Redwood
Residential Acquisition Corporation, in its capacity as Servicing Administrator under this Assignment, hereby assumes the obligations
of the Owner, as assigned to the Assignee, and the obligations of the Servicing Administrator, under the Sections of the Flow
Servicing Agreement, as amended by this Assignment, listed below:

 

			Flow Servicing Agreement:

 

	Section	 	Matter
	 	 	 
	Clause (i) of the last paragraph of Section 11.13	 	Payment by Servicing Administrator for Opinion of Counsel
	 	 	 
	Last sentence of 11.14, with respect to Servicing Advances only	 	Payment of Servicing Advances to Servicer

 

    	3

    	 

    

 

	11.17	 	P&I Advances
	 	 	 
	11.25(b)	 	Funding of P& I Advances, including without limitation funding of Prepayment
    Interest Shortfalls pursuant to the second paragraph of Section 11.15
	 	 	 
	11.25(c)	 	Funding of Servicing Advances
	 	 	 
	14.03	 	Payment of termination fees to Servicer

 

As compensation for
such assumption of obligations, the Servicing Administrator shall be entitled to receive from payments on the Specified Mortgage
Loans the difference, if any, between the Servicing Fee and the servicing compensation otherwise payable to the Servicer under
the Flow Servicing Agreement. In addition, the Servicing Administrator shall have all the benefits provided to the Servicing Administrator
by Subsection 11.05 of the Flow Servicing Agreement. Any failure of the Servicing Administrator to perform its obligations under
this Section 3(e) shall be an additional Event of Default under the Flow Servicing Agreement, entitling the Assignee to terminate
both the Servicing Administrator and the Servicer in accordance with the terms of the Flow Servicing Agreement.

 

(f)          The
Servicing Administrator may, with the consent of the Master Servicer, exercise the rights of the Owner set forth in Section 13.01
of the Flow Servicing Agreement to terminate the Servicer following the occurrence of an Event of Default with respect to the
Servicer.

 

(g)          The
Servicing Administrator may, with the consent of the Master Servicer, exercise the rights of the Owner set forth in Section 14.03
of the Flow Servicing Agreement to terminate the Servicer without cause and transfer servicing.

 

(h)          If
the Servicing Administrator exercises its right to terminate the Servicer pursuant to the foregoing paragraphs (f) or (g), no
termination of the Servicer shall be effective unless the Servicing Administrator shall have appointed a successor Servicer under
the Flow Servicing Agreement approved by the Master Servicer.

 

(i)          No
later than March 1 of each year when any Certificates are outstanding, commencing in March 2013, the Servicing Administrator shall
provide to the Master Servicer its report on assessment of compliance with applicable servicing criteria specified under Item
1122(d)((2)(iii) of Regulation AB and its compliance statement required under Item 1123 of Regulation AB.

 

		4.	Amendment to the Flow Servicing Agreement.

 

The Flow Servicing
Agreement is hereby amended as set forth in Appendix A hereto with respect to the Specified Mortgage Loans. The rights
and obligations under the Flow Servicing Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall
be under the Flow Servicing Agreement as amended as set forth in Appendix A.

 

    	4

    	 

    

 

		5.	Representations and Warranties.

 

			(a)          Each
                                                      of the parties hereto represents and warrants that it is duly and legally
                                                      authorized to enter into this Assignment.

 

			(b)          Each
                                                      of the parties hereto represents and warrants that this Assignment has been
                                                      duly authorized, executed and delivered by it and (assuming due authorization,
                                                      execution and delivery thereof by each of the other parties hereto) constitutes
                                                      its legal, valid and binding obligation, enforceable against it in accordance
                                                      with its terms, except as such enforcement may be limited by bankruptcy,
                                                      insolvency, reorganization or other similar laws affecting the enforcement
                                                      of creditors’ rights generally and by general equitable principles
                                                      (regardless of whether such enforcement is considered in a proceeding in
                                                      equity or at law).

 

		6.	Continuing Effect.

 

Except as contemplated
hereby, the Flow Servicing Agreement shall remain in full force and effect in accordance with their terms. This Assignment constitutes
a Reconstitution Agreement as contemplated in Section 32 of the Flow Servicing Agreement and the Reconstitution Date shall be
the date hereof with respect to the Specified Mortgage Loans listed on Exhibit I on the date hereof.

 

		7.	Governing Law.

 

This Assignment and
the rights and obligations hereunder shall be governed by and construed in accordance with the internal laws of the State of New
York, except to the extent preempted by Federal law, and the obligations, rights and remedies of the parties hereunder shall be
determined in accordance with such laws, without regard to the conflicts of laws provisions of the State of New York or any other
jurisdiction.

 

		8.	Notices.

 

Any notices or other
communications permitted or required under the Flow Servicing Agreement to be made to the Assignor and Assignee shall be made
in accordance with the terms of the Flow Servicing Agreement and shall be sent to the Assignor and Assignee as follows:

 

Assignor: Redwood
Residential Acquisition Corporation

One Belvedere
Place, Suite 360

Mill
Valley, CA 94941

Attention: William
Moliski

 

    	5

    	 

    

 

Assignee: Christiana
Trust, a division of Wilmington Savings Fund Society, FSB

500
Delaware Avenue, 11th Floor

Wilmington,
Delaware, 19801

Attention: Corporate
Trust

 

or to such other address
as may hereafter be furnished by the Assignor or Assignee to the other parties in accordance with the provisions of the Flow Servicing
Agreement.

 

		9.	Counterparts.

 

This Assignment may
be executed in counterparts, each of which when so executed shall be deemed to be an original and all of which when taken together
shall constitute one and the same instrument.

 

		10.	Definitions.

 

Any capitalized term
used but not defined in this Assignment has the same meaning as in the Flow Servicing Agreement.

 

		11.	Trustee.

 

It is expressly understood
and agreed by the parties hereto that insofar as this Agreement is executed by the Trustee (i) this Agreement is executed and
delivered by Christiana Trust, a division of Wilmington Savings Fund Society, FSB (“Christiana Trust”) not in its
individual capacity but solely as Trustee on behalf of the trust created by the Pooling and Servicing Agreement referred to herein
(the “Trust”) in the exercise of the powers and authority conferred upon and vested in it, and as directed in the
Pooling and Servicing Agreement, (ii) each of the undertakings and agreements herein made on behalf of the Trust is made and intended
not as a personal undertaking or agreement of or by Christiana Trust but is made and intended for purposes of binding only the
Trust, (iii) nothing herein contained shall be construed as creating any liability on the part of Christiana Trust, individually
or personally, to perform any covenant either express or implied in this Agreement, all such liability, if any, being expressly
waived by the parties hereto and by any person claiming by, through or under the parties hereto, and (iv) under no circumstances
shall Christiana Trust in its individual capacity or in its capacity as Trustee be personally liable for the payment of any indebtedness,
amounts or expenses owed by the Purchaser under the Flow Servicing Agreement (such indebtedness, expenses and other amounts being
payable solely from and to the extent of funds of the Trust) or be personally liable for the breach or failure of any obligation,
representation, warranty or covenant made under this Agreement or any other related documents.

 

		12.	Master Servicer.

 

The Servicer hereby
acknowledges that Wells Fargo Bank, N.A. (the “Master Servicer”) will act as master servicer and securities administrator
under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, instructions, authorizations and other communications
from the Master Servicer as if the same had been received from the Assignee. The Master Servicer, acting on behalf of the Assignee,
shall have the rights of the Assignee as the Owner under the Flow Servicing Agreement, including, without limitation, the right
to enforce the obligations of the Servicer and the Servicing Administrator thereunder. Any notices or other communications permitted
or required under the Flow Servicing Agreement to be made to the Assignee shall be made in accordance with the terms of the Flow
Servicing Agreement and shall be sent to the Master Servicer at the following address:

 

    	6

    	 

    

 

Wells Fargo Bank, N. A.

P.O.
Box 98

Columbia,
Maryland 21046

(or, for overnight deliveries, 9062 Old
Annapolis Road, Columbia, Maryland 21045)

Attention: Sequoia Mortgage Trust 2012-3

 

or to such other address
as may hereafter be furnished by the Master Servicer to Servicer. Any such notices or other communications permitted or required
under the Flow Servicing Agreement may be delivered in electronic format unless manual signature is required in which case a hard
copy of such report or communication shall be required.

 

The Servicer shall
make all distributions under the Flow Servicing Agreement, as they relate to the Specified Mortgage Loans, to the Master Servicer
by wire transfer of immediately funds to:

 

	 	Wells Fargo Bank, N.A.
	 	San Francisco, California
	 	ABA# 121-000-248
	 	Account #3970771416
	 	Account Name: SAS Clearing
	 	FFC: Account #48066700, Sequoia Mortgage Trust 2012-3
	 	Distribution Account

 

		13.	Rule 17g-5 Compliance.

 

The Servicer hereby
agrees that it shall provide information with respect to the servicing of the Mortgage Loans by the Servicer requested by any
Rating Agency or nationally recognized statistical rating organization (“NRSRO”) to the Securities Administrator,
as the initial Rule 17g-5 Information Provider (the “Rule 17g-5 Information Provider”), via electronic mail at rmbs17g5informationprovider@wellsfargo.com,
with a subject reference of “SEMT 2012-3” and an identification of the type of information being provided in the body
of such electronic mail. The Rule 17g-5 Information Provider shall notify the Servicer in writing of any change in the identity
or contact information of the Rule 17g-5 Information Provider. The Servicer shall have no liability for (i) the Rule 17g-5 Information
Provider’s failure to post information provided by it in accordance with the terms of this Assignment or (ii) any malfunction
or disabling of the website maintained by the Rule 17g-5 Information Provider. None of the foregoing restrictions in this Section
12 prohibit or restrict oral or written communications, or providing information, between the Servicer, on the one hand, and any
Rating Agency or NRSRO, on the other hand, with regard to (i) such Rating Agency’s or NRSRO’s review of the ratings
it assigns to the Servicer, (ii) such Rating Agency’s or NRSRO’s approval of the Servicer as a residential mortgage
master, special or primary servicer, or (iii) such Rating Agency’s or NRSRO’s evaluation of the Servicer’s servicing
operations in general; provided, however, that the Servicer shall not provide any information relating to the Mortgage
Loans to such Rating Agency or NRSRO in connection with such review and evaluation by such Rating Agency or NRSRO unless: (x)
borrower, property or deal specific identifiers are redacted; or (y) such information has already been provided to the Rule 17g-5
Information Provider.

 

    	7

    	 

    

 

14.         Successors
and Assigns.

 

Upon a transfer of
the Specified Mortgage Loans by the Assignee (other than in respect of repurchases by a seller pursuant to the related purchase
agreement) to a buyer (“buyer”), such transfer shall constitute a Reconstitution subject to the terms of Section 32
of the Flow Servicing Agreement. Upon the closing of such transfer, the rights and obligations of Owner held by the Assignor pursuant
to this Assignment shall automatically terminate and the buyer shall possess all of the rights and obligations of Owner under
the Flow Servicing Agreement, provided, however, that the Assignor shall remain liable for any obligations held by it as
Owner arising from or attributable to the period from the date hereof to the closing date of such transfer.

 

[remainder of
page intentionally left blank]

 

    	8

    	 

    

 

 

IN WITNESS WHEREOF, the parties hereto have
executed this Assignment the day and year first above written.

	 	ASSIGNOR:
	 	 
	 	REDWOOD RESIDENTIAL ACQUISITION CORPORATION
	 	 
	 	By:	/s/ John Isbrandtsen
	 	 	 
	 	Name: 	John Isbrandtsen
	 	 	 
	 	Title:	Authorized Officer
	 	 
	 	DEPOSITOR:
	 	 
	 	SEQUOIA RESIDENTIAL FUNDING, INC.
	 	 
	 	By:	/s/ John Isbrandtsen
	 	 	 
	 	Name: 	John Isbrandtsen
	 	 	 
	 	Title:	Authorized Officer
	 	 
	 	ASSIGNEE:
	 	 
	 	Christiana Trust, a division of Wilmington Savings Fund Society,
    FSB, not in its individual capacity but solely as Trustee
	 	 
	 	By:	/s/ Jeffrey R. Everhart
	 	 	 
	 	Name: 	Jeffrey R. Everhart
	 	 	 
	 	Title:	AVP
	 	 
	 	SERVICER:
	 	 
	 	CENLAR FSB
	 	 
	 	By:	/s/ Gregory Tornquist
	 	 	 
	 	Name: 	Gregory Tornquist
	 	 	 
	 	Title:	CEO/President
	 	 
	 	[Signatures continue on following page]

 

Signature Page to Assignment, Assumption
and Recognition Agreement – Cenlar (SEMT 2012-3)

 

    	 

    	 

    

 

	 	SERVICING ADMINISTRATOR:
	 	 
	 	REDWOOD RESIDENTIAL ACQUISITION CORPORATION
	 	 
	 	By:	/s/ John Isbrandtsen
	 	 	 
	 	Name: 	John Isbrandtsen 
	 	 	 
	 	Title:	Authorized Officer

 

Accepted and
agreed to by:

 

MASTER SERVICER:

 

WELLS FARGO
BANK, N.A.

 

	By:	/s/ Graham M. Oglesby	 
	 	 	 
	Name: 	Graham M. Oglesby	 
	 	 	 
	Title:	Vice President	 

 

Signature Page to Assignment, Assumption
and Recognition Agreement – Cenlar (SEMT 2012-3)

 

    	 

    	 

    

 

EXHIBIT I

 

 

 

	 	1	2	3	4	5	6	7	8	9	10
	KEY	Primary Servicer	Servicing Fee %	Servicing Fee—Flatdollar	Servicing Advance Methodology	Originator	Loan Group	Loan Number	Amortization Type	Lien Position	HELOC Indicator
	1	1000383	0.002500	 	 	1002793	 	1010003152	1	1	0
	2	1000383	0.002500	 	 	1002793	 	1010003779	1	1	0
	3	1000383	0.002500	 	 	1001863	 	1000003742	1	1	0
	4	1000383	0.002500	 	 	1001863	 	1000002744	1	1	0
	5	1000383	0.002500	 	 	1001863	 	1000002810	1	1	0
	6	1000383	0.002500	 	 	1001863	 	1000002350	1	1	0
	7	1000383	0.002500	 	 	1001863	 	1000003067	1	1	0
	8	1000383	0.002500	 	 	1001863	 	1000003124	1	1	0
	9	1000383	0.002500	 	 	1001863	 	1000003487	1	1	0
	10	1000383	0.002500	 	 	1001863	 	1000003358	1	1	0
	11	1000383	0.002500	 	 	1001863	 	1000003125	1	1	0
	12	1000383	0.002500	 	 	1001863	 	1000003503	1	1	0
	13	1000383	0.002500	 	 	1001863	 	1000003297	1	1	0
	14	1000383	0.002500	 	 	1001863	 	1000002655	1	1	0
	15	1000383	0.002500	 	 	1001863	 	1000003455	1	1	0
	16	1000383	0.002500	 	 	1000312	 	1300002606	1	1	0
	17	1000383	0.002500	 	 	1000312	 	1300002576	1	1	0
	18	1000383	0.002500	 	 	1000312	 	1300002757	1	1	0
	19	1000383	0.002500	 	 	1000312	 	1300003026	1	1	0
	20	1000383	0.002500	 	 	1000312	 	1300002517	1	1	0
	21	1000383	0.002500	 	 	1008808	 	1650002421	1	1	0
	22	1000383	0.002500	 	 	1008808	 	1650002987	1	1	0
	23	1000383	0.002500	 	 	1008808	 	1650003075	1	1	0
	24	1000383	0.002500	 	 	1008808	 	1650003002	1	1	0
	25	1000383	0.002500	 	 	1008808	 	1650003254	1	1	0
	26	1000383	0.002500	 	 	1008808	 	1650003338	1	1	0
	27	1000383	0.002500	 	 	1008808	 	1650003688	1	1	0
	28	1000383	0.002500	 	 	1006324	 	1950003147	1	1	0
	29	1000383	0.002500	 	 	1006324	 	1950002762	1	1	0
	30	1000383	0.002500	 	 	1006324	 	1950002813	1	1	0
	31	1000383	0.002500	 	 	1006324	 	1950003419	1	1	0
	32	1000383	0.002500	 	 	1000457	 	1070003785	1	1	0
	33	1000383	0.002500	 	 	1000457	 	1070003395	1	1	0
	34	1000383	0.002500	 	 	1000457	 	1070003600	1	1	0
	35	1000383	0.002500	 	 	1000457	 	1070003992	1	1	0
	36	1000383	0.002500	 	 	1000457	 	1070003412	1	1	0
	37	1000383	0.002500	 	 	1000457	 	1070004032	1	1	0
	38	1000383	0.002500	 	 	1008498	 	1150003767	1	1	0
	39	1000383	0.002500	 	 	1008498	 	1150001746	1	1	0
	40	1000383	0.002500	 	 	1008498	 	1150002233	1	1	0
	41	1000383	0.002500	 	 	1008498	 	1150002338	1	1	0
	42	1000383	0.002500	 	 	1008498	 	1150002376	1	1	0
	43	1000383	0.002500	 	 	1008498	 	1150002413	1	1	0
	44	1000383	0.002500	 	 	1008498	 	1150002449	1	1	0
	45	1000383	0.002500	 	 	1008498	 	1150002516	1	1	0
	46	1000383	0.002500	 	 	1008498	 	1150002533	1	1	0
	47	1000383	0.002500	 	 	1008498	 	1150002534	1	1	0
	48	1000383	0.002500	 	 	1008498	 	1150002559	1	1	0
	49	1000383	0.002500	 	 	1008498	 	1150002586	1	1	0
	50	1000383	0.002500	 	 	1008498	 	1150002610	1	1	0
	51	1000383	0.002500	 	 	1008498	 	1150002611	1	1	0
	52	1000383	0.002500	 	 	1008498	 	1150002639	1	1	0
	53	1000383	0.002500	 	 	1008498	 	1150002756	1	1	0
	54	1000383	0.002500	 	 	1008498	 	1150002764	1	1	0
	55	1000383	0.002500	 	 	1008498	 	1150002774	1	1	0
	56	1000383	0.002500	 	 	1008498	 	1150003055	1	1	0
	57	1000383	0.002500	 	 	1008498	 	1150003058	1	1	0
	58	1000383	0.002500	 	 	1008498	 	1150003251	1	1	0
	59	1000383	0.002500	 	 	1008498	 	1150003253	1	1	0
	60	1000383	0.002500	 	 	1008498	 	1150003294	1	1	0
	61	1000383	0.002500	 	 	1008498	 	1150003316	1	1	0
	62	1000383	0.002500	 	 	1008498	 	1150003325	1	1	0
	63	1000383	0.002500	 	 	1008498	 	1150003347	1	1	0
	64	1000383	0.002500	 	 	1008498	 	1150003388	1	1	0
	65	1000383	0.002500	 	 	1008498	 	1150003426	1	1	0
	66	1000383	0.002500	 	 	1008498	 	1150003593	1	1	0
	67	1000383	0.002500	 	 	1008498	 	1150003594	1	1	0
	68	1000383	0.002500	 	 	1008498	 	1150003826	1	1	0
	69	1000383	0.002500	 	 	1000302	 	1020003044	1	1	0
	70	1000383	0.002500	 	 	1006318	 	1450003999	1	1	0
	71	1000383	0.002500	 	 	1006318	 	1450002658	1	1	0
	72	1000383	0.002500	 	 	1006318	 	1450003130	1	1	0
	73	1000383	0.002500	 	 	1006318	 	1450003239	1	1	0
	74	1000383	0.002500	 	 	1001770	 	1750003256	1	1	0
	75	1000383	0.002500	 	 	1000522	 	1700002628	1	1	0
	76	1000383	0.002500	 	 	1000522	 	1700002593	1	1	0
	77	1000383	0.002500	 	 	1000522	 	1700003238	1	1	0
	78	1000383	0.002500	 	 	1000522	 	1700003964	1	1	0
	79	1000383	0.002500	 	 	1001770	 	1750003933	1	1	0
	80	1000383	0.002500	 	 	1006318	 	1450003375	1	1	0
	81	1000383	0.002500	 	 	1001770	 	1750003741	1	1	0
	82	1000383	0.002500	 	 	1006318	 	1450002735	1	1	0
	83	1000383	0.002500	 	 	1000324	 	1030003136	1	1	0
	84	1000383	0.002500	 	 	1000324	 	1030003590	1	1	0
	85	1000383	0.002500	 	 	1006318	 	1450003479	1	1	0
	86	1000383	0.002500	 	 	1000324	 	1030003467	1	1	0
	87	1000383	0.002500	 	 	1000324	 	1030002689	1	1	0
	88	1000383	0.002500	 	 	1000324	 	1030002738	1	1	0
	89	1000383	0.002500	 	 	1000324	 	1030002792	1	1	0
	90	1000383	0.002500	 	 	1000324	 	1030002616	1	1	0
	91	1000383	0.002500	 	 	1000324	 	1030003085	1	1	0
	92	1000383	0.002500	 	 	1000324	 	1030003005	1	1	0
	93	1000383	0.002500	 	 	1000324	 	1030002776	1	1	0
	94	1000383	0.002500	 	 	1000324	 	1030002785	1	1	0
	95	1000383	0.002500	 	 	1000324	 	1030002978	1	1	0
	96	1000383	0.002500	 	 	1000324	 	1030003332	1	1	0
	97	1000383	0.002500	 	 	1000324	 	1030003787	1	1	0
	98	1000383	0.002500	 	 	1000324	 	1030003368	1	1	0
	99	1000383	0.002500	 	 	1000324	 	1030003589	1	1	0
	100	1000383	0.002500	 	 	1000324	 	1030003636	1	1	0
	101	1000383	0.002500	 	 	1000324	 	1030003274	1	1	0
	102	1000383	0.002500	 	 	1000324	 	1030003465	1	1	0
	103	1000383	0.002500	 	 	1000324	 	1030003585	1	1	0
	104	1000383	0.002500	 	 	1000324	 	1030003745	1	1	0
	105	1000383	0.002500	 	 	1000324	 	1030003641	1	1	0
	106	1000383	0.002500	 	 	1000324	 	1030003768	1	1	0
	107	1000383	0.002500	 	 	1000324	 	1030003752	1	1	0
	108	1000383	0.002500	 	 	1000324	 	1030003775	1	1	0
	109	1000383	0.002500	 	 	1000324	 	1030003885	1	1	0
	110	1000383	0.002500	 	 	1000324	 	1030004076	1	1	0
	111	1000383	0.002500	 	 	1000324	 	1030004109	1	1	0
	112	1000383	0.002500	 	 	1000324	 	1030003889	1	1	0
	113	1000383	0.002500	 	 	1000324	 	1030003939	1	1	0
	114	1000383	0.002500	 	 	1000324	 	1030004131	1	1	0
	115	1000383	0.002500	 	 	1006318	 	1450003283	1	1	0
	116	1000383	0.002500	 	 	1001770	 	1750003427	1	1	0
	117	1000383	0.002500	 	 	1001770	 	1750003944	1	1	0
	118	1000383	0.002500	 	 	1001770	 	1750003236	1	1	0
	119	1000383	0.002500	 	 	1001770	 	1750003524	1	1	0
	120	1000383	0.002500	 	 	1001770	 	1750003735	1	1	0
	121	1000383	0.002500	 	 	1001770	 	1750004111	1	1	0
	122	1000383	0.002500	 	 	1000324	 	1030002740	1	1	0
	123	1000383	0.002500	 	 	1000324	 	1030003123	1	1	0
	124	1000383	0.002500	 	 	1000324	 	1030003484	1	1	0
	125	1000383	0.002500	 	 	1000324	 	1030003730	1	1	0
	126	1000383	0.002500	 	 	1000324	 	1030004403	1	1	0
	127	1000383	0.002500	 	 	1000522	 	1700003416	1	1	0
	128	1000383	0.002500	 	 	1000536	 	1050002036	1	1	0
	129	1000383	0.002500	 	 	1000536	 	1050002752	1	1	0
	130	1000383	0.002500	 	 	1000536	 	1050003469	1	1	0
	131	1000383	0.002500	 	 	1003970	 	1400003146	1	1	0
	132	1000383	0.002500	 	 	1003970	 	1400003390	1	1	0
	133	1000383	0.002500	 	 	1003970	 	1400003387	1	1	0
	134	1000383	0.002500	 	 	1003970	 	1400003313	1	1	0
	135	1000383	0.002500	 	 	1000536	 	1050002726	1	1	0
	136	1000383	0.002500	 	 	1000536	 	1050003404	1	1	0
	137	1000383	0.002500	 	 	1000536	 	1050002263	1	1	0
	138	1000383	0.002500	 	 	1000536	 	1050002607	1	1	0
	139	1000383	0.002500	 	 	1000536	 	1050003309	1	1	0
	140	1000383	0.002500	 	 	1000536	 	1050002778	1	1	0
	141	1000383	0.002500	 	 	1000536	 	1050002649	1	1	0
	142	1000383	0.002500	 	 	1000536	 	1050001977	1	1	0
	143	1000383	0.002500	 	 	1000536	 	1050002725	1	1	0
	144	1000383	0.002500	 	 	1000536	 	1050002535	1	1	0
	145	1000383	0.002500	 	 	1000536	 	1050003955	1	1	0
	146	1000383	0.002500	 	 	1000536	 	1050001301	1	1	0
	147	1000383	0.002500	 	 	1000536	 	1050003018	1	1	0
	148	1000383	0.002500	 	 	1000536	 	1050003006	1	1	0
	149	1000383	0.002500	 	 	1000536	 	1050002642	1	1	0
	150	1000383	0.002500	 	 	1000536	 	1050003029	1	1	0
	151	1000383	0.002500	 	 	1000536	 	1050003446	1	1	0
	152	1000383	0.002500	 	 	1000536	 	1050003034	1	1	0
	153	1000383	0.002500	 	 	1000536	 	1050003447	1	1	0
	154	1000383	0.002500	 	 	1000536	 	1050002592	1	1	0
	155	1000383	0.002500	 	 	1000536	 	1050002397	1	1	0
	156	1000383	0.002500	 	 	1000536	 	1050002826	1	1	0
	157	1000383	0.002500	 	 	1000536	 	1050002292	1	1	0
	158	1000383	0.002500	 	 	1000536	 	1050003642	1	1	0
	159	1000383	0.002500	 	 	1000536	 	1050002651	1	1	0
	160	1000383	0.002500	 	 	1000536	 	1050002793	1	1	0
	161	1000383	0.002500	 	 	1000536	 	1050003079	1	1	0
	162	1000383	0.002500	 	 	1000536	 	1050003822	1	1	0
	163	1000383	0.002500	 	 	1000536	 	1050003597	1	1	0
	164	1000383	0.002500	 	 	1000536	 	1050002608	1	1	0
	165	1000383	0.002500	 	 	1000536	 	1050000952	1	1	0
	166	1000383	0.002500	 	 	1000536	 	1050002645	1	1	0
	167	1000383	0.002500	 	 	1000536	 	1050002684	1	1	0
	168	1000383	0.002500	 	 	1000536	 	1050003284	1	1	0
	169	1000383	0.002500	 	 	1000536	 	1050004186	1	1	0
	170	1000383	0.002500	 	 	1000536	 	1050002763	1	1	0
	171	1000383	0.002500	 	 	1000536	 	1050003131	1	1	0
	172	1000383	0.002500	 	 	1000536	 	1050003048	1	1	0
	173	1000383	0.002500	 	 	1000536	 	1050003831	1	1	0
	174	1000383	0.002500	 	 	1000536	 	1050003403	1	1	0
	175	1000383	0.002500	 	 	1001770	 	1750003339	1	1	0
	176	1000383	0.002500	 	 	1001770	 	1750003772	1	1	0
	177	1000383	0.002500	 	 	1001770	 	1750003127	1	1	0
	178	1000383	0.002500	 	 	1001770	 	1750003588	1	1	0
	179	1000383	0.002500	 	 	1001770	 	1750003736	1	1	0
	180	1000383	0.002500	 	 	1001770	 	1750003341	1	1	0
	181	1000383	0.002500	 	 	1000536	 	1050003628	1	1	0
	182	1000383	0.002500	 	 	1000536	 	1050002385	1	1	0
	183	1000383	0.002500	 	 	1000536	 	1050003030	1	1	0
	184	1000383	0.002500	 	 	1000536	 	1050003462	1	1	0
	185	1000383	0.002500	 	 	1000536	 	1050004123	1	1	0
	186	1000383	0.002500	 	 	1001105	 	1250003515	1	1	0
	187	1000383	0.002500	 	 	1000536	 	1050003363	1	1	0
	188	1000383	0.002500	 	 	1000536	 	1050003155	1	1	0
	189	1000383	0.002500	 	 	1000536	 	1050002779	1	1	0
	190	1000383	0.002500	 	 	1000536	 	1050003017	1	1	0
	191	1000383	0.002500	 	 	1000536	 	1050002680	1	1	0
	192	1000383	0.002500	 	 	1000536	 	1050003399	1	1	0
	193	1000383	0.002500	 	 	1000536	 	1050002741	1	1	0
	194	1000383	0.002500	 	 	1000536	 	1050002594	1	1	0
	195	1000383	0.002500	 	 	1000536	 	1050002278	1	1	0
	196	1000383	0.002500	 	 	1000536	 	1050003359	1	1	0
	197	1000383	0.002500	 	 	1000536	 	1050003876	1	1	0
	198	1000383	0.002500	 	 	1000536	 	1050003431	1	1	0
	199	1000383	0.002500	 	 	1000536	 	1050003506	1	1	0
	200	1000383	0.002500	 	 	1000497	 	1040003372	1	1	0
	201	1000383	0.002500	 	 	1000497	 	1040003405	1	1	0
	202	1000383	0.002500	 	 	1000324	 	1030003848	1	1	0
	203	1000383	0.002500	 	 	1000324	 	1030004257	1	1	0
	204	1000383	0.002500	 	 	1000536	 	1050003367	1	1	0
	205	1000383	0.002500	 	 	1003970	 	1400004075	1	1	0
	206	1000383	0.002500	 	 	1006318	 	1450003893	1	1	0
	207	1000383	0.002500	 	 	1001770	 	1750004210	1	1	0

 

 

	 	11	12	13	14	15	16	17	18	19	20
	KEY	Loan Purpose	Cash Out Amount	Total Origination and Discount Points	Covered/High Cost Loan Indicator	Relocation Loan Indicator	Broker Indicator	Channel	Escrow Indicator	Senior Loan
 Amount(s)	Loan Type of Most
 Senior Lien
	1	7	 	 	 	 	 	1	4	0	 
	2	7	 	 	 	 	 	1	0	0	 
	3	7	 	 	 	 	 	1	0	0	 
	4	7	 	 	 	 	 	1	4	0	 
	5	9	 	 	 	 	 	1	4	0	 
	6	9	 	 	 	 	 	1	4	0	 
	7	7	 	 	 	 	 	1	4	0	 
	8	6	 	 	 	 	 	1	4	0	 
	9	9	 	 	 	 	 	1	4	0	 
	10	9	 	 	 	 	 	1	4	0	 
	11	9	 	 	 	 	 	1	0	0	 
	12	9	 	 	 	 	 	1	4	0	 
	13	7	 	 	 	 	 	1	4	0	 
	14	9	 	 	 	 	 	1	4	0	 
	15	7	 	 	 	 	 	1	4	0	 
	16	9	 	 	 	 	 	1	4	0	 
	17	7	 	 	 	 	 	1	4	0	 
	18	9	 	 	 	 	 	1	4	0	 
	19	9	 	 	 	 	 	1	0	0	 
	20	9	 	 	 	 	 	1	0	0	 
	21	9	 	 	 	 	 	2	0	0	 
	22	7	 	 	 	 	 	2	0	0	 
	23	9	 	 	 	 	 	2	4	0	 
	24	9	 	 	 	 	 	1	0	0	 
	25	7	 	 	 	 	 	2	0	0	 
	26	7	 	 	 	 	 	2	4	0	 
	27	7	 	 	 	 	 	1	4	0	 
	28	9	 	 	 	 	 	1	4	0	 
	29	7	 	 	 	 	 	1	0	0	 
	30	7	 	 	 	 	 	1	0	0	 
	31	9	 	 	 	 	 	1	0	0	 
	32	7	 	 	 	 	 	1	0	0	 
	33	7	 	 	 	 	 	1	0	0	 
	34	7	 	 	 	 	 	1	4	0	 
	35	9	 	 	 	 	 	1	4	0	 
	36	7	 	 	 	 	 	1	0	0	 
	37	7	 	 	 	 	 	1	4	0	 
	38	9	 	 	 	 	 	1	4	0	 
	39	3	 	 	 	 	 	4	4	0	 
	40	3	 	 	 	 	 	4	4	0	 
	41	9	 	 	 	 	 	4	4	0	 
	42	3	 	 	 	 	 	4	0	0	 
	43	7	 	 	 	 	 	4	4	0	 
	44	9	 	 	 	 	 	4	4	0	 
	45	9	 	 	 	 	 	1	4	0	 
	46	9	 	 	 	 	 	4	0	0	 
	47	9	 	 	 	 	 	4	4	0	 
	48	9	 	 	 	 	 	1	0	0	 
	49	9	 	 	 	 	 	1	0	0	 
	50	9	 	 	 	 	 	1	0	0	 
	51	9	 	 	 	 	 	4	0	0	 
	52	7	 	 	 	 	 	1	4	0	 
	53	7	 	 	 	 	 	4	4	0	 
	54	3	 	 	 	 	 	1	4	0	 
	55	9	 	 	 	 	 	1	0	0	 
	56	3	 	 	 	 	 	1	4	0	 
	57	9	 	 	 	 	 	1	4	0	 
	58	9	 	 	 	 	 	1	0	0	 
	59	7	 	 	 	 	 	4	4	0	 
	60	9	 	 	 	 	 	1	0	0	 
	61	9	 	 	 	 	 	1	0	0	 
	62	3	 	 	 	 	 	1	0	0	 
	63	7	 	 	 	 	 	4	0	0	 
	64	9	 	 	 	 	 	1	4	0	 
	65	7	 	 	 	 	 	1	0	0	 
	66	7	 	 	 	 	 	1	4	0	 
	67	7	 	 	 	 	 	4	4	0	 
	68	7	 	 	 	 	 	1	4	0	 
	69	7	 	 	 	 	 	1	0	0	 
	70	7	 	 	 	 	 	1	0	0	 
	71	9	 	 	 	 	 	1	4	0	 
	72	7	 	 	 	 	 	1	4	0	 
	73	7	 	 	 	 	 	1	0	0	 
	74	9	 	 	 	 	 	1	0	0	 
	75	9	 	 	 	 	 	1	0	0	 
	76	9	 	 	 	 	 	1	0	0	 
	77	9	 	 	 	 	 	1	0	0	 
	78	6	 	 	 	 	 	2	4	0	 
	79	6	 	 	 	 	 	1	4	0	 
	80	9	 	 	 	 	 	1	0	0	 
	81	9	 	 	 	 	 	1	4	0	 
	82	9	 	 	 	 	 	1	0	0	 
	83	9	 	 	 	 	 	1	4	0	 
	84	7	 	 	 	 	 	1	0	0	 
	85	7	 	 	 	 	 	1	0	0	 
	86	9	 	 	 	 	 	2	4	0	 
	87	9	 	 	 	 	 	2	4	0	 
	88	7	 	 	 	 	 	2	4	0	 
	89	7	 	 	 	 	 	2	4	0	 
	90	7	 	 	 	 	 	2	4	0	 
	91	7	 	 	 	 	 	2	0	0	 
	92	9	 	 	 	 	 	2	4	0	 
	93	9	 	 	 	 	 	2	4	0	 
	94	9	 	 	 	 	 	2	0	0	 
	95	9	 	 	 	 	 	2	0	0	 
	96	7	 	 	 	 	 	2	4	0	 
	97	3	 	 	 	 	 	1	4	0	 
	98	9	 	 	 	 	 	2	0	0	 
	99	9	 	 	 	 	 	2	0	0	 
	100	9	 	 	 	 	 	1	0	0	 
	101	9	 	 	 	 	 	2	4	0	 
	102	9	 	 	 	 	 	2	0	0	 
	103	7	 	 	 	 	 	2	4	0	 
	104	7	 	 	 	 	 	2	4	0	 
	105	9	 	 	 	 	 	1	0	0	 
	106	7	 	 	 	 	 	1	4	0	 
	107	9	 	 	 	 	 	1	0	0	 
	108	7	 	 	 	 	 	2	4	0	 
	109	7	 	 	 	 	 	2	4	0	 
	110	3	 	 	 	 	 	2	4	0	 
	111	7	 	 	 	 	 	2	4	0	 
	112	9	 	 	 	 	 	2	4	0	 
	113	9	 	 	 	 	 	2	4	0	 
	114	7	 	 	 	 	 	2	4	0	 
	115	3	 	 	 	 	 	1	4	0	 
	116	7	 	 	 	 	 	1	4	0	 
	117	9	 	 	 	 	 	1	0	0	 
	118	9	 	 	 	 	 	1	0	0	 
	119	7	 	 	 	 	 	1	0	0	 
	120	7	 	 	 	 	 	1	0	0	 
	121	7	 	 	 	 	 	1	0	0	 
	122	9	 	 	 	 	 	4	4	0	 
	123	7	 	 	 	 	 	4	4	0	 
	124	7	 	 	 	 	 	1	4	0	 
	125	7	 	 	 	 	 	1	0	0	 
	126	7	 	 	 	 	 	1	0	0	 
	127	6	 	 	 	 	 	4	4	0	 
	128	6	 	 	 	 	 	1	0	0	 
	129	7	 	 	 	 	 	1	0	0	 
	130	3	 	 	 	 	 	1	0	0	 
	131	7	 	 	 	 	 	1	0	0	 
	132	7	 	 	 	 	 	1	4	0	 
	133	9	 	 	 	 	 	1	4	0	 
	134	7	 	 	 	 	 	1	0	0	 
	135	7	 	 	 	 	 	1	4	0	 
	136	7	 	 	 	 	 	1	4	0	 
	137	7	 	 	 	 	 	1	4	0	 
	138	7	 	 	 	 	 	1	4	0	 
	139	9	 	 	 	 	 	1	0	0	 
	140	3	 	 	 	 	 	1	4	0	 
	141	7	 	 	 	 	 	1	4	0	 
	142	9	 	 	 	 	 	1	4	0	 
	143	7	 	 	 	 	 	1	4	0	 
	144	9	 	 	 	 	 	1	0	0	 
	145	7	 	 	 	 	 	1	0	0	 
	146	9	 	 	 	 	 	1	0	0	 
	147	9	 	 	 	 	 	1	4	0	 
	148	7	 	 	 	 	 	1	0	0	 
	149	9	 	 	 	 	 	1	4	0	 
	150	7	 	 	 	 	 	1	4	0	 
	151	7	 	 	 	 	 	1	4	0	 
	152	9	 	 	 	 	 	1	0	0	 
	153	7	 	 	 	 	 	1	0	0	 
	154	9	 	 	 	 	 	1	0	0	 
	155	9	 	 	 	 	 	1	0	0	 
	156	9	 	 	 	 	 	1	0	0	 
	157	7	 	 	 	 	 	1	4	0	 
	158	9	 	 	 	 	 	1	4	0	 
	159	9	 	 	 	 	 	1	0	0	 
	160	9	 	 	 	 	 	1	0	0	 
	161	6	 	 	 	 	 	1	4	0	 
	162	7	 	 	 	 	 	1	4	0	 
	163	9	 	 	 	 	 	1	4	0	 
	164	9	 	 	 	 	 	1	0	0	 
	165	9	 	 	 	 	 	1	4	0	 
	166	9	 	 	 	 	 	1	4	0	 
	167	9	 	 	 	 	 	1	4	0	 
	168	6	 	 	 	 	 	1	4	0	 
	169	7	 	 	 	 	 	1	0	0	 
	170	9	 	 	 	 	 	1	0	0	 
	171	9	 	 	 	 	 	1	0	0	 
	172	9	 	 	 	 	 	1	4	0	 
	173	9	 	 	 	 	 	1	0	0	 
	174	7	 	 	 	 	 	1	4	0	 
	175	7	 	 	 	 	 	1	0	0	 
	176	7	 	 	 	 	 	1	0	0	 
	177	9	 	 	 	 	 	1	4	0	 
	178	7	 	 	 	 	 	1	0	0	 
	179	7	 	 	 	 	 	1	4	0	 
	180	7	 	 	 	 	 	1	4	0	 
	181	7	 	 	 	 	 	1	4	0	 
	182	9	 	 	 	 	 	1	4	0	 
	183	9	 	 	 	 	 	1	0	0	 
	184	7	 	 	 	 	 	1	0	0	 
	185	7	 	 	 	 	 	1	0	0	 
	186	7	 	 	 	 	 	1	0	0	 
	187	9	 	 	 	 	 	1	4	0	 
	188	9	 	 	 	 	 	1	4	0	 
	189	9	 	 	 	 	 	1	0	0	 
	190	9	 	 	 	 	 	1	4	0	 
	191	9	 	 	 	 	 	1	0	0	 
	192	7	 	 	 	 	 	1	4	0	 
	193	9	 	 	 	 	 	1	0	0	 
	194	7	 	 	 	 	 	1	4	0	 
	195	9	 	 	 	 	 	1	0	0	 
	196	9	 	 	 	 	 	1	0	0	 
	197	7	 	 	 	 	 	1	4	0	 
	198	7	 	 	 	 	 	1	0	0	 
	199	9	 	 	 	 	 	1	0	0	 
	200	9	 	 	 	 	 	1	4	0	 
	201	9	 	 	 	 	 	1	4	0	 
	202	7	 	 	 	 	 	2	4	0	 
	203	7	 	 	 	 	 	2	4	0	 
	204	7	 	 	 	 	 	1	4	0	 
	205	9	 	 	 	 	 	1	4	0	 
	206	7	 	 	 	 	 	1	4	0	 
	207	7	 	 	 	 	 	1	0	0	 

 

 

 

	 	21	22	23	24	25	26	27	28	29	30
	KEY	Hybrid Period of
 Most Senior Lien (in
 months)	Neg Am Limit of
 Most Senior Lien	Junior Mortgage
 Balance	Origination Date of
 Most Senior Lien	Origination Date	Original Loan
 Amount	Original Interest
 Rate	Original
 Amortization Term	Original Term to
 Maturity	First Payment Date
 of Loan
	1	 	 	0.00	 	20120309	580000.00	0.047500	360	360	20120501
	2	 	 	0.00	 	20120410	517500.00	0.047500	360	360	20120601
	3	 	 	0.00	 	20120419	1000000.00	0.046250	360	360	20120601
	4	 	 	0.00	 	20120224	780000.00	0.045000	360	360	20120401
	5	 	 	0.00	 	20120301	787500.00	0.046250	360	360	20120501
	6	 	 	0.00	 	20120215	691000.00	0.045000	360	360	20120401
	7	 	 	0.00	 	20120229	880000.00	0.046250	360	360	20120501
	8	 	 	0.00	 	20120305	660000.00	0.046250	360	360	20120401
	9	 	 	0.00	 	20120417	783500.00	0.046250	360	360	20120601
	10	 	 	0.00	 	20120322	581400.00	0.042500	360	360	20120501
	11	 	 	0.00	 	20120402	650000.00	0.045000	360	360	20120501
	12	 	 	0.00	 	20120426	506500.00	0.048750	360	360	20120601
	13	 	 	0.00	 	20120322	826400.00	0.043750	360	360	20120501
	14	 	 	0.00	 	20120309	975000.00	0.041250	360	360	20120501
	15	 	 	0.00	 	20120403	807200.00	0.045000	360	360	20120601
	16	 	 	0.00	 	20120302	875000.00	0.047500	360	360	20120501
	17	 	 	0.00	 	20120227	570000.00	0.046250	360	360	20120401
	18	 	 	0.00	 	20120222	972000.00	0.046250	360	360	20120401
	19	 	 	0.00	 	20120326	449800.00	0.048750	360	360	20120501
	20	 	 	0.00	 	20120326	1120000.00	0.043750	360	360	20120501
	21	 	 	0.00	 	20120203	701880.00	0.045000	360	360	20120401
	22	 	 	0.00	 	20120423	750000.00	0.048750	360	360	20120601
	23	 	 	235000.00	 	20120413	1410000.00	0.042500	360	360	20120601
	24	 	 	0.00	 	20120309	757000.00	0.046250	360	360	20120501
	25	 	 	0.00	 	20120403	847500.00	0.043750	360	360	20120601
	26	 	 	0.00	 	20120416	700000.00	0.043750	360	360	20120601
	27	 	 	0.00	 	20120418	669750.00	0.047500	360	360	20120601
	28	 	 	0.00	 	20120326	592300.00	0.045000	360	360	20120501
	29	 	 	0.00	 	20120228	536000.00	0.047500	360	360	20120501
	30	 	 	0.00	 	20120227	660000.00	0.046250	360	360	20120401
	31	 	 	0.00	 	20120430	952500.00	0.046250	360	360	20120601
	32	 	 	0.00	 	20120501	1237500.00	0.045000	360	360	20120601
	33	 	 	0.00	 	20120401	750000.00	0.043750	360	360	20120501
	34	 	 	0.00	 	20120401	645600.00	0.048750	360	360	20120501
	35	 	 	0.00	 	20120501	785000.00	0.048750	360	360	20120601
	36	 	 	0.00	 	20120501	644000.00	0.048750	360	360	20120601
	37	 	 	0.00	 	20120425	592000.00	0.048750	360	360	20120601
	38	 	 	0.00	 	20120413	1335000.00	0.042500	360	360	20120601
	39	 	 	0.00	 	20120209	970000.00	0.046250	360	360	20120401
	40	 	 	0.00	 	20120210	1200000.00	0.048750	360	360	20120401
	41	 	 	0.00	 	20120222	900000.00	0.050000	360	360	20120401
	42	 	 	0.00	 	20120409	1500000.00	0.045000	360	360	20120601
	43	 	 	0.00	 	20111229	749999.00	0.048750	360	360	20120201
	44	 	 	0.00	 	20120124	776000.00	0.047500	360	360	20120301
	45	 	 	0.00	 	20120227	1195500.00	0.042500	360	360	20120401
	46	 	 	450000.00	 	20120221	868500.00	0.046250	360	360	20120401
	47	 	 	0.00	 	20120224	514000.00	0.047500	360	360	20120401
	48	 	 	0.00	 	20120403	912000.00	0.045000	360	360	20120601
	49	 	 	150000.00	 	20120314	676000.00	0.046250	360	360	20120501
	50	 	 	0.00	 	20120229	1470000.00	0.047500	360	360	20120401
	51	 	 	0.00	 	20120227	998000.00	0.046250	360	360	20120401
	52	 	 	0.00	 	20120314	740000.00	0.048750	360	360	20120501
	53	 	 	0.00	 	20120224	1312500.00	0.048750	360	360	20120401
	54	 	 	0.00	 	20120411	613000.00	0.046250	360	360	20120601
	55	 	 	0.00	 	20120223	860000.00	0.045000	360	360	20120401
	56	 	 	0.00	 	20120426	775000.00	0.045000	360	360	20120701
	57	 	 	0.00	 	20120418	700000.00	0.046250	360	360	20120601
	58	 	 	0.00	 	20120417	850000.00	0.045000	360	360	20120601
	59	 	 	0.00	 	20120418	746250.00	0.045000	360	360	20120601
	60	 	 	0.00	 	20120501	565000.00	0.043750	360	360	20120701
	61	 	 	0.00	 	20120326	960000.00	0.050000	360	360	20120501
	62	 	 	0.00	 	20120331	770000.00	0.047500	360	360	20120601
	63	 	 	0.00	 	20120404	705250.00	0.047500	360	360	20120601
	64	 	 	0.00	 	20120427	736000.00	0.043750	360	360	20120601
	65	 	 	0.00	 	20120329	806000.00	0.047500	360	360	20120501
	66	 	 	0.00	 	20120411	525000.00	0.045000	360	360	20120601
	67	 	 	0.00	 	20120503	880000.00	0.046250	360	360	20120701
	68	 	 	0.00	 	20120427	676000.00	0.046250	360	360	20120601
	69	 	 	0.00	 	20120307	958750.00	0.043750	360	360	20120501
	70	 	 	0.00	 	20120423	1662500.00	0.045000	360	360	20120601
	71	 	 	0.00	 	20120323	990000.00	0.045000	360	360	20120501
	72	 	 	0.00	 	20120327	915000.00	0.043750	360	360	20120501
	73	 	 	0.00	 	20120329	856000.00	0.046250	360	360	20120501
	74	 	 	0.00	 	20120309	720000.00	0.047500	360	360	20120601
	75	 	 	0.00	 	20120224	936000.00	0.043750	360	360	20120401
	76	 	 	100000.00	 	20120224	1000000.00	0.046250	360	360	20120401
	77	 	 	0.00	 	20120314	677000.00	0.043750	360	360	20120501
	78	 	 	0.00	 	20120430	675000.00	0.045000	360	360	20120601
	79	 	 	0.00	 	20120425	636000.00	0.047500	360	360	20120601
	80	 	 	0.00	 	20120328	943000.00	0.046250	360	360	20120501
	81	 	 	0.00	 	20120410	624350.00	0.046250	360	360	20120601
	82	 	 	0.00	 	20120412	1093000.00	0.045000	360	360	20120601
	83	 	 	0.00	 	20120411	648000.00	0.043750	360	360	20120601
	84	 	 	0.00	 	20120329	552800.00	0.047500	360	360	20120501
	85	 	 	0.00	 	20120328	685500.00	0.048750	360	360	20120501
	86	 	 	0.00	 	20120329	994000.00	0.043750	360	360	20120501
	87	 	 	0.00	 	20120309	567000.00	0.048750	360	360	20120501
	88	 	 	0.00	 	20120224	627650.00	0.046250	360	360	20120401
	89	 	 	0.00	 	20120222	825000.00	0.048750	360	360	20120401
	90	 	 	0.00	 	20120224	463920.00	0.043750	360	360	20120401
	91	 	 	0.00	 	20120307	1000000.00	0.042500	360	360	20120501
	92	 	 	0.00	 	20120312	623000.00	0.045000	360	360	20120501
	93	 	 	0.00	 	20120321	735000.00	0.045000	360	360	20120501
	94	 	 	0.00	 	20120427	672000.00	0.043750	360	360	20120601
	95	 	 	0.00	 	20120320	1939000.00	0.046250	360	360	20120501
	96	 	 	0.00	 	20120322	750000.00	0.046250	360	360	20120501
	97	 	 	0.00	 	20120412	575000.00	0.046250	360	360	20120601
	98	 	 	0.00	 	20120320	568000.00	0.045000	360	360	20120501
	99	 	 	0.00	 	20120411	1275613.00	0.050000	360	360	20120601
	100	 	 	0.00	 	20120427	1158000.00	0.045000	360	360	20120701
	101	 	 	0.00	 	20120409	926681.00	0.043750	360	360	20120601
	102	 	 	0.00	 	20120319	564000.00	0.046250	360	360	20120501
	103	 	 	0.00	 	20120330	716000.00	0.048750	360	360	20120501
	104	 	 	0.00	 	20120424	448000.00	0.041250	360	360	20120601
	105	 	 	0.00	 	20120416	755000.00	0.045000	360	360	20120601
	106	 	 	0.00	 	20120409	692000.00	0.047500	360	360	20120601
	107	 	 	0.00	 	20120427	868000.00	0.045000	360	360	20120601
	108	 	 	0.00	 	20120412	708000.00	0.048750	360	360	20120601
	109	 	 	0.00	 	20120426	753600.00	0.047500	360	360	20120601
	110	 	 	0.00	 	20120503	500000.00	0.042500	360	360	20120701
	111	 	 	0.00	 	20120508	500000.00	0.048750	360	360	20120701
	112	 	 	0.00	 	20120504	845000.00	0.045000	360	360	20120701
	113	 	 	0.00	 	20120501	640000.00	0.048750	360	360	20120701
	114	 	 	0.00	 	20120508	716250.00	0.047500	360	360	20120701
	115	 	 	0.00	 	20120326	715000.00	0.045000	360	360	20120501
	116	 	 	0.00	 	20120405	800000.00	0.043750	360	360	20120601
	117	 	 	0.00	 	20120430	753600.00	0.042500	360	360	20120601
	118	 	 	0.00	 	20120309	670000.00	0.045000	360	360	20120501
	119	 	 	0.00	 	20120330	646680.00	0.050000	360	360	20120501
	120	 	 	0.00	 	20120423	1080000.00	0.045000	360	360	20120601
	121	 	 	0.00	 	20120501	1000000.00	0.042500	360	360	20120701
	122	 	 	0.00	 	20120221	699500.00	0.046250	360	360	20120401
	123	 	 	0.00	 	20120327	756000.00	0.048750	360	360	20120501
	124	 	 	0.00	 	20120323	536000.00	0.048750	360	360	20120501
	125	 	 	0.00	 	20120430	562500.00	0.046250	360	360	20120601
	126	 	 	0.00	 	20120430	1312500.00	0.042500	360	360	20120601
	127	 	 	0.00	 	20120406	460000.00	0.042500	360	360	20120601
	128	 	 	0.00	 	20120215	910000.00	0.048750	360	360	20120401
	129	 	 	0.00	 	20120328	700000.00	0.045000	360	360	20120501
	130	 	 	0.00	 	20120427	657100.00	0.047500	360	360	20120601
	131	 	 	0.00	 	20120510	843750.00	0.043750	360	360	20120702
	132	 	 	0.00	 	20120501	965000.00	0.043750	360	360	20120701
	133	 	 	0.00	 	20120314	853000.00	0.045000	360	360	20120501
	134	 	 	0.00	 	20120319	775000.00	0.043750	360	360	20120501
	135	 	 	0.00	 	20120229	540000.00	0.045000	360	360	20120401
	136	 	 	0.00	 	20120327	668000.00	0.042500	360	360	20120501
	137	 	 	0.00	 	20120109	555000.00	0.048750	360	360	20120301
	138	 	 	0.00	 	20111121	560000.00	0.047500	360	360	20120101
	139	 	 	0.00	 	20120501	735000.00	0.043750	360	360	20120601
	140	 	 	0.00	 	20120224	725000.00	0.045000	360	360	20120401
	141	 	 	0.00	 	20120313	1500000.00	0.045000	360	360	20120501
	142	 	 	0.00	 	20120214	1350000.00	0.047500	360	360	20120401
	143	 	 	0.00	 	20120221	992000.00	0.045000	360	360	20120401
	144	 	 	0.00	 	20120210	733500.00	0.048750	360	360	20120401
	145	 	 	0.00	 	20120503	1000000.00	0.040000	360	360	20120601
	146	 	 	0.00	 	20111021	940000.00	0.046250	360	360	20111201
	147	 	 	0.00	 	20120314	603000.00	0.042500	360	360	20120501
	148	 	 	0.00	 	20120229	999999.00	0.045000	360	360	20120401
	149	 	 	0.00	 	20120215	627500.00	0.046250	360	360	20120401
	150	 	 	0.00	 	20120316	562500.00	0.042500	360	360	20120501
	151	 	 	0.00	 	20120410	600000.00	0.045000	360	360	20120601
	152	 	 	0.00	 	20120329	1652000.00	0.045000	360	360	20120501
	153	 	 	0.00	 	20120402	760000.00	0.047500	360	360	20120601
	154	 	 	0.00	 	20120126	617000.00	0.048750	360	360	20120301
	155	 	 	0.00	 	20120130	960000.00	0.048750	360	360	20120301
	156	 	 	0.00	 	20120218	880000.00	0.046250	360	360	20120401
	157	 	 	0.00	 	20120119	700000.00	0.048750	360	360	20120301
	158	 	 	0.00	 	20120425	680000.00	0.043750	360	360	20120601
	159	 	 	0.00	 	20120326	820000.00	0.047500	360	360	20120501
	160	 	 	0.00	 	20120314	997500.00	0.045000	360	360	20120501
	161	 	 	0.00	 	20120320	670550.00	0.046250	360	360	20120501
	162	 	 	0.00	 	20120417	455000.00	0.046250	360	360	20120601
	163	 	 	58800.00	 	20120420	557200.00	0.048750	360	360	20120601
	164	 	 	0.00	 	20120309	827100.00	0.047500	360	360	20120501
	165	 	 	0.00	 	20110711	577500.00	0.051250	360	360	20110901
	166	 	 	0.00	 	20120319	803000.00	0.046250	360	360	20120501
	167	 	 	0.00	 	20120226	688000.00	0.046250	360	360	20120401
	168	 	 	0.00	 	20120315	637400.00	0.042500	360	360	20120501
	169	 	 	0.00	 	20120503	1023750.00	0.045000	360	360	20120701
	170	 	 	0.00	 	20120315	782800.00	0.046250	360	360	20120501
	171	 	 	0.00	 	20120323	1000000.00	0.046250	360	360	20120501
	172	 	 	0.00	 	20120322	1000000.00	0.043750	360	360	20120501
	173	 	 	0.00	 	20120417	700000.00	0.043750	360	360	20120601
	174	 	 	0.00	 	20120417	789600.00	0.043750	360	360	20120601
	175	 	 	0.00	 	20120327	1498500.00	0.045000	360	360	20120501
	176	 	 	0.00	 	20120424	709600.00	0.043750	360	360	20120601
	177	 	 	0.00	 	20120412	1183000.00	0.043750	360	360	20120601
	178	 	 	0.00	 	20120329	656250.00	0.042500	360	360	20120501
	179	 	 	0.00	 	20120501	988000.00	0.048750	360	360	20120601
	180	 	 	0.00	 	20120328	597800.00	0.042500	360	360	20120501
	181	 	 	0.00	 	20120418	770950.00	0.045000	360	360	20120601
	182	 	 	0.00	 	20120127	637500.00	0.048750	360	360	20120301
	183	 	 	0.00	 	20120307	732000.00	0.041250	360	360	20120501
	184	 	 	0.00	 	20120320	630850.00	0.046250	360	360	20120501
	185	 	 	0.00	 	20120509	501700.00	0.046250	360	360	20120701
	186	 	 	0.00	 	20120409	1000000.00	0.043750	360	360	20120601
	187	 	 	0.00	 	20120413	955400.00	0.043750	360	360	20120601
	188	 	 	0.00	 	20120112	532000.00	0.045000	360	360	20120301
	189	 	 	0.00	 	20120319	822250.00	0.046250	360	360	20120501
	190	 	 	0.00	 	20120310	683000.00	0.046250	360	360	20120501
	191	 	 	0.00	 	20120223	917350.00	0.047500	360	360	20120401
	192	 	 	0.00	 	20120312	640000.00	0.047500	360	360	20120501
	193	 	 	0.00	 	20120316	1761200.00	0.045000	360	360	20120501
	194	 	 	0.00	 	20120209	600000.00	0.045000	360	360	20120401
	195	 	 	0.00	 	20120123	660000.00	0.043750	360	360	20120301
	196	 	 	0.00	 	20120323	912800.00	0.043750	360	360	20120501
	197	 	 	0.00	 	20120430	600000.00	0.043750	360	360	20120601
	198	 	 	0.00	 	20120330	650000.00	0.041250	360	360	20120501
	199	 	 	0.00	 	20120416	500000.00	0.047500	360	360	20120601
	200	 	 	0.00	 	20120413	800000.00	0.046250	360	360	20120601
	201	 	 	0.00	 	20120411	832400.00	0.046250	360	360	20120601
	202	 	 	0.00	 	20120502	999999.00	0.043750	360	360	20120701
	203	 	 	0.00	 	20120517	468750.00	0.045000	360	360	20120701
	204	 	 	0.00	 	20120404	1495000.00	0.045000	360	360	20120601
	205	 	 	0.00	 	20120518	681500.00	0.043750	360	360	20120701
	206	 	 	0.00	 	20120511	661840.00	0.046250	360	360	20120701
	207	 	 	0.00	 	20120504	581600.00	0.046250	360	360	20120701

 

	 	31	32	33	34	35	36	37	38	39	40
	KEY	Interest Type
 Indicator	Original Interest
 Only Term	Buy Down Period	HELOC Draw Period	Current Loan
 Amount	Current Interest
 Rate	Current Payment
 Amount Due	Interest Paid
 Through Date	Current Payment
 Status	Index Type
	1	1	0	0	0	578537.67	0.047500	3025.55	20120601	0	0
	2	1	0	0	0	516848.92	0.047500	2699.52	20120601	0	0
	3	1	0	0	0	997786.68	0.046250	5141.40	20120601	0	0
	4	1	0	0	0	776906.98	0.045000	3952.15	20120601	0	0
	5	1	0	0	0	785468.71	0.046250	4048.85	20120601	0	0
	6	1	0	0	0	688259.90	0.045000	3501.20	20120601	0	0
	7	1	0	0	0	877620.33	0.046250	4524.43	20120601	0	0
	8	1	0	0	0	657434.43	0.046250	3393.32	20120601	0	0
	9	1	0	0	0	782491.46	0.046250	4028.28	20120601	0	0
	10	1	0	0	0	579795.14	0.042500	2860.14	20120601	0	0
	11	1	0	0	0	648275.96	0.045000	3293.45	20120601	0	0
	12	1	0	0	0	505876.28	0.048750	2680.44	20120601	0	0
	13	1	0	0	0	824169.60	0.043750	4126.09	20120601	0	0
	14	1	0	0	0	972247.75	0.041250	4725.33	20120601	0	0
	15	1	0	0	0	806137.04	0.045000	4089.96	20120601	0	0
	16	1	0	0	0	872793.90	0.047500	4564.41	20120601	0	0
	17	1	0	0	0	567790.34	0.046250	2930.60	20120601	0	0
	18	1	0	0	0	968231.95	0.046250	4997.44	20120601	0	0
	19	1	0	0	0	444679.43	0.048750	2380.38	20120601	0	0
	20	1	0	0	0	1116977.16	0.043750	5591.99	20120601	0	0
	21	1	0	0	0	699096.76	0.045000	3556.32	20120601	0	0
	22	1	0	0	0	749077.81	0.048750	3969.06	20120601	0	0
	23	1	0	0	0	1408057.39	0.042500	6936.35	20120601	0	0
	24	1	0	0	0	752831.20	0.046250	3892.04	20120601	0	0
	25	1	0	0	0	846358.40	0.043750	4231.44	20120601	0	0
	26	1	0	0	0	699057.08	0.043750	3495.00	20120601	0	0
	27	1	0	0	0	668907.36	0.047500	3493.73	20120601	0	0
	28	1	0	0	0	590264.40	0.045000	3001.10	20120601	0	0
	29	1	0	0	0	534648.61	0.047500	2796.03	20120601	0	0
	30	1	0	0	0	656225.76	0.046250	3393.32	20120601	0	0
	31	1	0	0	0	951273.91	0.046250	4897.18	20120601	0	0
	32	1	0	0	0	1235870.40	0.045000	6270.23	20120601	0	0
	33	1	0	0	0	747975.79	0.043750	3744.64	20120601	0	0
	34	1	0	0	0	644115.51	0.048750	3416.57	20120601	0	0
	35	1	0	0	0	784034.77	0.048750	4154.28	20120601	0	0
	36	1	0	0	0	643208.15	0.048750	3408.10	20120601	0	0
	37	1	0	0	0	591272.08	0.048750	3132.91	20120601	0	0
	38	1	0	0	0	1333160.73	0.042500	6567.40	20120601	0	0
	39	1	0	0	0	966239.72	0.046250	4987.15	20120601	0	0
	40	1	0	0	0	1195555.50	0.048750	6350.50	20120601	0	0
	41	1	0	0	0	896742.26	0.050000	4831.39	20120601	0	0
	42	1	0	0	0	1498024.72	0.045000	7600.28	20120601	0	0
	43	1	0	0	0	745350.43	0.048750	3969.06	20120601	0	0
	44	1	0	0	0	772071.50	0.047500	4047.98	20120601	0	0
	45	1	0	0	0	1190541.25	0.042500	5881.14	20120601	0	0
	46	1	0	0	0	865133.19	0.046250	4465.30	20120601	0	0
	47	1	0	0	0	512052.24	0.047500	2681.27	20120601	0	0
	48	1	0	0	0	910799.03	0.045000	4620.97	20120601	0	0
	49	1	0	0	0	674256.32	0.046250	3475.58	20120601	0	0
	50	1	0	0	0	1464429.60	0.047500	7668.22	20120601	0	0
	51	1	0	0	0	993004.39	0.046250	5131.11	20120601	0	0
	52	1	0	0	0	738176.52	0.048750	3916.14	20120601	0	0
	53	1	0	0	0	1296692.45	0.048750	6945.86	20120601	0	0
	54	1	0	0	0	612025.59	0.046250	3151.68	20120601	0	0
	55	1	0	0	0	856589.77	0.045000	4357.49	20120601	0	0
	56	1	0	0	0	775000.00	0.045000	3926.81	20120601	0	0
	57	1	0	0	0	699098.94	0.046250	3598.98	20120601	0	0
	58	1	0	0	0	848880.67	0.045000	4306.83	20120601	0	0
	59	1	0	0	0	745267.30	0.045000	3781.14	20120601	0	0
	60	1	0	0	0	565000.00	0.043750	2820.96	20120601	0	0
	61	1	0	0	0	957688.21	0.050000	5153.49	20120601	0	0
	62	1	0	0	0	769031.24	0.047500	4016.68	20120601	0	0
	63	1	0	0	0	704362.69	0.047500	3678.92	20120601	0	0
	64	1	0	0	0	735008.59	0.043750	3674.74	20120601	0	0
	65	1	0	0	0	803967.86	0.047500	4204.48	20120601	0	0
	66	1	0	0	0	524308.65	0.045000	2660.10	20120601	0	0
	67	1	0	0	0	879956.00	0.046250	4524.43	20120601	0	0
	68	1	0	0	0	675129.84	0.046250	3475.58	20120601	0	0
	69	1	0	0	0	956162.37	0.043750	4786.90	20120601	0	0
	70	1	0	0	0	1660310.74	0.045000	8423.64	20120601	0	0
	71	1	0	0	0	987387.75	0.045000	5016.18	20120601	0	0
	72	1	0	0	0	912530.46	0.043750	4568.46	20120601	0	0
	73	1	0	0	0	853792.03	0.046250	4401.03	20120601	0	0
	74	1	0	0	0	719094.14	0.047500	3755.86	20120601	0	0
	75	1	0	0	0	919814.73	0.043750	4673.31	20120601	0	0
	76	1	0	0	0	996123.43	0.046250	5141.40	20120601	0	0
	77	1	0	0	0	669923.58	0.043750	3380.16	20120601	0	0
	78	1	0	0	0	674111.12	0.045000	3420.13	20120601	0	0
	79	1	0	0	0	635199.82	0.047500	3317.68	20120601	0	0
	80	1	0	0	0	940567.61	0.046250	4848.34	20120601	0	0
	81	1	0	0	0	623546.32	0.046250	3210.03	20120601	0	0
	82	1	0	0	0	1091560.67	0.045000	5538.07	20120601	0	0
	83	1	0	0	0	647127.13	0.043750	3235.37	20120601	0	0
	84	1	0	0	0	551406.24	0.047500	2883.67	20120601	0	0
	85	1	0	0	0	683810.82	0.048750	3627.72	20120601	0	0
	86	1	0	0	0	991317.24	0.043750	4962.90	20120601	0	0
	87	1	0	0	0	565602.81	0.048750	3000.61	20120601	0	0
	88	1	0	0	0	625216.84	0.046250	3227.00	20120601	0	0
	89	1	0	0	0	821944.39	0.048750	4365.97	20120601	0	0
	90	1	0	0	0	462038.41	0.043750	2316.28	20120601	0	0
	91	1	0	0	0	997239.66	0.042500	4919.40	20120601	0	0
	92	1	0	0	0	621356.12	0.045000	3156.65	20120601	0	0
	93	1	0	0	0	733060.59	0.045000	3724.14	20120601	0	0
	94	1	0	0	0	671094.80	0.043750	3355.20	20120601	0	0
	95	1	0	0	0	1933998.50	0.046250	9969.17	20120601	0	0
	96	1	0	0	0	748065.43	0.046250	3856.05	20120601	0	0
	97	1	0	0	0	574259.84	0.046250	2956.30	20120601	0	0
	98	1	0	0	0	566501.24	0.045000	2877.97	20120601	0	0
	99	1	0	0	0	1274080.28	0.050000	6847.77	20120601	0	0
	100	1	0	0	0	1158000.00	0.045000	5867.42	20120601	0	0
	101	1	0	0	0	925432.73	0.043750	4626.78	20120601	0	0
	102	1	0	0	0	562545.20	0.046250	2899.75	20120601	0	0
	103	1	0	0	0	714235.64	0.048750	3789.13	20120601	0	0
	104	1	0	0	0	447368.76	0.041250	2171.23	20120601	0	0
	105	1	0	0	0	754005.77	0.045000	3825.47	20120601	0	0
	106	1	0	0	0	691129.37	0.047500	3609.80	20120601	0	0
	107	1	0	0	0	866856.97	0.045000	4398.03	20120601	0	0
	108	1	0	0	0	707129.45	0.048750	3746.79	20120601	0	0
	109	1	0	0	0	752651.86	0.047500	3931.13	20120601	0	0
	110	1	0	0	0	500000.00	0.042500	2459.70	20120601	0	0
	111	1	0	0	0	500000.00	0.048750	2646.04	20120601	0	0
	112	1	0	0	0	845000.00	0.045000	4281.49	20120601	0	0
	113	1	0	0	0	640000.00	0.048750	3386.93	20120601	0	0
	114	1	0	0	0	716250.00	0.047500	3736.30	20120601	0	0
	115	1	0	0	0	713113.37	0.045000	3622.80	20120601	0	0
	116	1	0	0	0	798922.39	0.043750	3994.28	20120601	0	0
	117	1	0	0	0	752561.74	0.042500	3707.26	20120601	0	0
	118	1	0	0	0	668232.11	0.045000	3394.79	20120601	0	0
	119	1	0	0	0	645122.72	0.050000	3471.52	20120601	0	0
	120	1	0	0	0	1078577.80	0.045000	5472.20	20120601	0	0
	121	1	0	0	0	1000000.00	0.042500	4919.40	20120601	0	0
	122	1	0	0	0	696788.32	0.046250	3596.41	20120601	0	0
	123	1	0	0	0	754137.08	0.048750	4000.81	20120601	0	0
	124	1	0	0	0	534679.20	0.048750	2836.56	20120601	0	0
	125	1	0	0	0	561775.93	0.046250	2892.03	20120601	0	0
	126	1	0	0	0	1310691.72	0.042500	6456.71	20120601	0	0
	127	1	0	0	0	459366.24	0.042500	2262.92	20120601	0	0
	128	1	0	0	0	906629.61	0.048750	4815.79	20120601	0	0
	129	1	0	0	0	698152.94	0.045000	3546.80	20120601	0	0
	130	1	0	0	0	656273.28	0.047500	3427.74	20120601	0	0
	131	1	0	0	0	843750.00	0.043750	4212.72	20120601	0	0
	132	1	0	0	0	965000.00	0.043750	4818.10	20120601	0	0
	133	1	0	0	0	850106.19	0.045000	4322.03	20120601	0	0
	134	1	0	0	0	772908.31	0.043750	3869.46	20120601	0	0
	135	1	0	0	0	537858.69	0.045000	2736.10	20120601	0	0
	136	1	0	0	0	666156.08	0.042500	3286.16	20120601	0	0
	137	1	0	0	0	552253.64	0.048750	2937.11	20120601	0	0
	138	1	0	0	0	555730.56	0.047500	2921.23	20120601	0	0
	139	1	0	0	0	734009.94	0.043750	3669.75	20120601	0	0
	140	1	0	0	0	721838.88	0.045000	3673.47	20120601	0	0
	141	1	0	0	0	1496042.03	0.045000	7600.28	20120601	0	0
	142	1	0	0	0	1344884.34	0.047500	7042.24	20120601	0	0
	143	1	0	0	0	988066.32	0.045000	5026.32	20120601	0	0
	144	1	0	0	0	730783.30	0.048750	3881.74	20120601	0	0
	145	1	0	0	0	998559.18	0.040000	4774.15	20120601	0	0
	146	1	0	0	0	931431.47	0.046250	4832.91	20120601	0	0
	147	1	0	0	0	601335.51	0.042500	2966.40	20120601	0	0
	148	1	0	0	0	996033.61	0.045000	5066.85	20120601	0	0
	149	1	0	0	0	624466.28	0.046250	3226.23	20120601	0	0
	150	1	0	0	0	560947.31	0.042500	2767.16	20120601	0	0
	151	1	0	0	0	599096.06	0.045000	3040.11	20120601	0	0
	152	1	0	0	0	1647640.96	0.045000	8370.44	20120601	0	0
	153	1	0	0	0	759008.33	0.047500	3964.52	20120601	0	0
	154	1	0	0	0	613946.87	0.048750	3265.21	20120601	0	0
	155	1	0	0	0	955249.55	0.048750	5080.40	20120601	0	0
	156	1	0	0	0	876588.60	0.046250	4524.43	20120601	0	0
	157	1	0	0	0	696536.12	0.048750	3704.46	20120601	0	0
	158	1	0	0	0	679084.03	0.043750	3395.14	20120601	0	0
	159	1	0	0	0	817932.56	0.047500	4277.51	20120601	0	0
	160	1	0	0	0	994867.95	0.045000	5054.19	20120601	0	0
	161	1	0	0	0	668820.37	0.046250	3447.56	20120601	0	0
	162	1	0	0	0	454414.32	0.046250	2339.33	20120601	0	0
	163	1	0	0	0	556155.89	0.048750	2948.75	20120601	0	0
	164	1	0	0	0	825014.66	0.047500	4314.55	20120601	0	0
	165	1	0	0	0	566649.79	0.051250	3144.41	20120601	0	0
	166	1	0	0	0	800928.73	0.046250	4128.54	20120601	0	0
	167	1	0	0	0	685332.91	0.046250	3537.28	20120601	0	0
	168	1	0	0	0	635640.57	0.042500	3135.62	20120601	0	0
	169	1	0	0	0	1023750.00	0.045000	5187.19	20120601	0	0
	170	1	0	0	0	780780.84	0.046250	4024.68	20120601	0	0
	171	1	0	0	0	997420.58	0.046250	5141.40	20120601	0	0
	172	1	0	0	0	997301.05	0.043750	4992.85	20120601	0	0
	173	1	0	0	0	699057.08	0.043750	3495.00	20120601	0	0
	174	1	0	0	0	788536.39	0.043750	3942.36	20120601	0	0
	175	1	0	0	0	1494545.99	0.045000	7592.68	20120601	0	0
	176	1	0	0	0	708644.15	0.043750	3542.93	20120601	0	0
	177	1	0	0	0	1178636.44	0.043750	5906.54	20120601	0	0
	178	1	0	0	0	654438.51	0.042500	3228.36	20120601	0	0
	179	1	0	0	0	986785.18	0.048750	5228.58	20120601	0	0
	180	1	0	0	0	596149.87	0.042500	2940.82	20120601	0	0
	181	1	0	0	0	769934.77	0.045000	3906.29	20120601	0	0
	182	1	0	0	0	634345.41	0.048750	3373.70	20120601	0	0
	183	1	0	0	0	729933.67	0.041250	3547.64	20120601	0	0
	184	1	0	0	0	629222.77	0.046250	3243.45	20120601	0	0
	185	1	0	0	0	501700.00	0.046250	2579.44	20120601	0	0
	186	1	0	0	0	998652.98	0.043750	4992.85	20120601	0	0
	187	1	0	0	0	954113.06	0.043750	4770.17	20120601	0	0
	188	1	0	0	0	529181.92	0.045000	2695.57	20120601	0	0
	189	1	0	0	0	820129.08	0.046250	4227.51	20120601	0	0
	190	1	0	0	0	681238.27	0.046250	3511.57	20120601	0	0
	191	1	0	0	0	913873.82	0.047500	4785.33	20120601	0	0
	192	1	0	0	0	638386.40	0.047500	3338.54	20120601	0	0
	193	1	0	0	0	1756552.82	0.045000	8923.74	20120601	0	0
	194	1	0	0	0	597620.77	0.045000	3040.11	20120601	0	0
	195	1	0	0	0	656424.39	0.043750	3295.28	20120601	0	0
	196	1	0	0	0	910336.39	0.043750	4557.48	20120601	0	0
	197	1	0	0	0	599191.79	0.043750	2995.71	20120601	0	0
	198	1	0	0	0	648165.17	0.041250	3150.22	20120601	0	0
	199	1	0	0	0	499370.93	0.047500	2608.24	20120601	0	0
	200	1	0	0	0	798970.22	0.046250	4113.12	20120601	0	0
	201	1	0	0	0	831328.50	0.046250	4279.70	20120601	0	0
	202	1	0	0	0	999999.00	0.043750	4992.85	20120601	0	0
	203	1	0	0	0	468750.00	0.045000	2375.09	20120601	0	0
	204	1	0	0	0	1493031.30	0.045000	7574.95	20120601	0	0
	205	1	0	0	0	681500.00	0.043750	3402.63	20120601	0	0
	206	1	0	0	0	661840.00	0.046250	3402.78	20120601	0	0
	207	1	0	0	0	581600.00	0.046250	2990.24	20120601	0	0

 

 

	 	41	42	43	44	45	46	47	48	49	50
	KEY	ARM Look-back
 Days	Gross Margin	ARM Round Flag	ARM Round Factor	Initial Fixed Rate
 Period	Initial Interest Rate
 Cap (Change Up)	Initial Interest Rate
 Cap (Change Down)	Subsequent Interest
 Rate Reset Period	Subsequent Interest
 Rate Cap (Change Down)	Subsequent Interest
 Rate Cap (Change
 Up)
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	207	 	 	 	 	 	 	 	 	 	 

 

 

	 	51	52	53	54	55	56	57	58	59	60
	KEY	Lifetime Maximum
 Rate (Ceiling)	Lifetime Minimum
 Rate (Floor)	Negative
 Amortization Limit	Initial Negative
 Amortization Recast
 Period	Subsequent
 Negative
 Amortization Recast
 Period	Initial Fixed
 Payment Period	Subsequent
 Payment Reset
 Period	Initial Periodic
 Payment Cap	Subsequent
 Periodic Payment
 Cap	Initial Minimum
 Payment Reset
 Period
	1	 	 	 	 	 	 	 	 	 	 
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	16	 	 	 	 	 	 	 	 	 	 
	17	 	 	 	 	 	 	 	 	 	 
	18	 	 	 	 	 	 	 	 	 	 
	19	 	 	 	 	 	 	 	 	 	 
	20	 	 	 	 	 	 	 	 	 	 
	21	 	 	 	 	 	 	 	 	 	 
	22	 	 	 	 	 	 	 	 	 	 
	23	 	 	 	 	 	 	 	 	 	 
	24	 	 	 	 	 	 	 	 	 	 
	25	 	 	 	 	 	 	 	 	 	 
	26	 	 	 	 	 	 	 	 	 	 
	27	 	 	 	 	 	 	 	 	 	 
	28	 	 	 	 	 	 	 	 	 	 
	29	 	 	 	 	 	 	 	 	 	 
	30	 	 	 	 	 	 	 	 	 	 
	31	 	 	 	 	 	 	 	 	 	 
	32	 	 	 	 	 	 	 	 	 	 
	33	 	 	 	 	 	 	 	 	 	 
	34	 	 	 	 	 	 	 	 	 	 
	35	 	 	 	 	 	 	 	 	 	 
	36	 	 	 	 	 	 	 	 	 	 
	37	 	 	 	 	 	 	 	 	 	 
	38	 	 	 	 	 	 	 	 	 	 
	39	 	 	 	 	 	 	 	 	 	 
	40	 	 	 	 	 	 	 	 	 	 
	41	 	 	 	 	 	 	 	 	 	 
	42	 	 	 	 	 	 	 	 	 	 
	43	 	 	 	 	 	 	 	 	 	 
	44	 	 	 	 	 	 	 	 	 	 
	45	 	 	 	 	 	 	 	 	 	 
	46	 	 	 	 	 	 	 	 	 	 
	47	 	 	 	 	 	 	 	 	 	 
	48	 	 	 	 	 	 	 	 	 	 
	49	 	 	 	 	 	 	 	 	 	 
	50	 	 	 	 	 	 	 	 	 	 
	51	 	 	 	 	 	 	 	 	 	 
	52	 	 	 	 	 	 	 	 	 	 
	53	 	 	 	 	 	 	 	 	 	 
	54	 	 	 	 	 	 	 	 	 	 
	55	 	 	 	 	 	 	 	 	 	 
	56	 	 	 	 	 	 	 	 	 	 
	57	 	 	 	 	 	 	 	 	 	 
	58	 	 	 	 	 	 	 	 	 	 
	59	 	 	 	 	 	 	 	 	 	 
	60	 	 	 	 	 	 	 	 	 	 
	61	 	 	 	 	 	 	 	 	 	 
	62	 	 	 	 	 	 	 	 	 	 
	63	 	 	 	 	 	 	 	 	 	 
	64	 	 	 	 	 	 	 	 	 	 
	65	 	 	 	 	 	 	 	 	 	 
	66	 	 	 	 	 	 	 	 	 	 
	67	 	 	 	 	 	 	 	 	 	 
	68	 	 	 	 	 	 	 	 	 	 
	69	 	 	 	 	 	 	 	 	 	 
	70	 	 	 	 	 	 	 	 	 	 
	71	 	 	 	 	 	 	 	 	 	 
	72	 	 	 	 	 	 	 	 	 	 
	73	 	 	 	 	 	 	 	 	 	 
	74	 	 	 	 	 	 	 	 	 	 
	75	 	 	 	 	 	 	 	 	 	 
	76	 	 	 	 	 	 	 	 	 	 
	77	 	 	 	 	 	 	 	 	 	 
	78	 	 	 	 	 	 	 	 	 	 
	79	 	 	 	 	 	 	 	 	 	 
	80	 	 	 	 	 	 	 	 	 	 
	81	 	 	 	 	 	 	 	 	 	 
	82	 	 	 	 	 	 	 	 	 	 
	83	 	 	 	 	 	 	 	 	 	 
	84	 	 	 	 	 	 	 	 	 	 
	85	 	 	 	 	 	 	 	 	 	 
	86	 	 	 	 	 	 	 	 	 	 
	87	 	 	 	 	 	 	 	 	 	 
	88	 	 	 	 	 	 	 	 	 	 
	89	 	 	 	 	 	 	 	 	 	 
	90	 	 	 	 	 	 	 	 	 	 
	91	 	 	 	 	 	 	 	 	 	 
	92	 	 	 	 	 	 	 	 	 	 
	93	 	 	 	 	 	 	 	 	 	 
	94	 	 	 	 	 	 	 	 	 	 
	95	 	 	 	 	 	 	 	 	 	 
	96	 	 	 	 	 	 	 	 	 	 
	97	 	 	 	 	 	 	 	 	 	 
	98	 	 	 	 	 	 	 	 	 	 
	99	 	 	 	 	 	 	 	 	 	 
	100	 	 	 	 	 	 	 	 	 	 
	101	 	 	 	 	 	 	 	 	 	 
	102	 	 	 	 	 	 	 	 	 	 
	103	 	 	 	 	 	 	 	 	 	 
	104	 	 	 	 	 	 	 	 	 	 
	105	 	 	 	 	 	 	 	 	 	 
	106	 	 	 	 	 	 	 	 	 	 
	107	 	 	 	 	 	 	 	 	 	 
	108	 	 	 	 	 	 	 	 	 	 
	109	 	 	 	 	 	 	 	 	 	 
	110	 	 	 	 	 	 	 	 	 	 
	111	 	 	 	 	 	 	 	 	 	 
	112	 	 	 	 	 	 	 	 	 	 
	113	 	 	 	 	 	 	 	 	 	 
	114	 	 	 	 	 	 	 	 	 	 
	115	 	 	 	 	 	 	 	 	 	 
	116	 	 	 	 	 	 	 	 	 	 
	117	 	 	 	 	 	 	 	 	 	 
	118	 	 	 	 	 	 	 	 	 	 
	119	 	 	 	 	 	 	 	 	 	 
	120	 	 	 	 	 	 	 	 	 	 
	121	 	 	 	 	 	 	 	 	 	 
	122	 	 	 	 	 	 	 	 	 	 
	123	 	 	 	 	 	 	 	 	 	 
	124	 	 	 	 	 	 	 	 	 	 
	125	 	 	 	 	 	 	 	 	 	 
	126	 	 	 	 	 	 	 	 	 	 
	127	 	 	 	 	 	 	 	 	 	 
	128	 	 	 	 	 	 	 	 	 	 
	129	 	 	 	 	 	 	 	 	 	 
	130	 	 	 	 	 	 	 	 	 	 
	131	 	 	 	 	 	 	 	 	 	 
	132	 	 	 	 	 	 	 	 	 	 
	133	 	 	 	 	 	 	 	 	 	 
	134	 	 	 	 	 	 	 	 	 	 
	135	 	 	 	 	 	 	 	 	 	 
	136	 	 	 	 	 	 	 	 	 	 
	137	 	 	 	 	 	 	 	 	 	 
	138	 	 	 	 	 	 	 	 	 	 
	139	 	 	 	 	 	 	 	 	 	 
	140	 	 	 	 	 	 	 	 	 	 
	141	 	 	 	 	 	 	 	 	 	 
	142	 	 	 	 	 	 	 	 	 	 
	143	 	 	 	 	 	 	 	 	 	 
	144	 	 	 	 	 	 	 	 	 	 
	145	 	 	 	 	 	 	 	 	 	 
	146	 	 	 	 	 	 	 	 	 	 
	147	 	 	 	 	 	 	 	 	 	 
	148	 	 	 	 	 	 	 	 	 	 
	149	 	 	 	 	 	 	 	 	 	 
	150	 	 	 	 	 	 	 	 	 	 
	151	 	 	 	 	 	 	 	 	 	 
	152	 	 	 	 	 	 	 	 	 	 
	153	 	 	 	 	 	 	 	 	 	 
	154	 	 	 	 	 	 	 	 	 	 
	155	 	 	 	 	 	 	 	 	 	 
	156	 	 	 	 	 	 	 	 	 	 
	157	 	 	 	 	 	 	 	 	 	 
	158	 	 	 	 	 	 	 	 	 	 
	159	 	 	 	 	 	 	 	 	 	 
	160	 	 	 	 	 	 	 	 	 	 
	161	 	 	 	 	 	 	 	 	 	 
	162	 	 	 	 	 	 	 	 	 	 
	163	 	 	 	 	 	 	 	 	 	 
	164	 	 	 	 	 	 	 	 	 	 
	165	 	 	 	 	 	 	 	 	 	 
	166	 	 	 	 	 	 	 	 	 	 
	167	 	 	 	 	 	 	 	 	 	 
	168	 	 	 	 	 	 	 	 	 	 
	169	 	 	 	 	 	 	 	 	 	 
	170	 	 	 	 	 	 	 	 	 	 
	171	 	 	 	 	 	 	 	 	 	 
	172	 	 	 	 	 	 	 	 	 	 
	173	 	 	 	 	 	 	 	 	 	 
	174	 	 	 	 	 	 	 	 	 	 
	175	 	 	 	 	 	 	 	 	 	 
	176	 	 	 	 	 	 	 	 	 	 
	177	 	 	 	 	 	 	 	 	 	 
	178	 	 	 	 	 	 	 	 	 	 
	179	 	 	 	 	 	 	 	 	 	 
	180	 	 	 	 	 	 	 	 	 	 
	181	 	 	 	 	 	 	 	 	 	 
	182	 	 	 	 	 	 	 	 	 	 
	183	 	 	 	 	 	 	 	 	 	 
	184	 	 	 	 	 	 	 	 	 	 
	185	 	 	 	 	 	 	 	 	 	 
	186	 	 	 	 	 	 	 	 	 	 
	187	 	 	 	 	 	 	 	 	 	 
	188	 	 	 	 	 	 	 	 	 	 
	189	 	 	 	 	 	 	 	 	 	 
	190	 	 	 	 	 	 	 	 	 	 
	191	 	 	 	 	 	 	 	 	 	 
	192	 	 	 	 	 	 	 	 	 	 
	193	 	 	 	 	 	 	 	 	 	 
	194	 	 	 	 	 	 	 	 	 	 
	195	 	 	 	 	 	 	 	 	 	 
	196	 	 	 	 	 	 	 	 	 	 
	197	 	 	 	 	 	 	 	 	 	 
	198	 	 	 	 	 	 	 	 	 	 
	199	 	 	 	 	 	 	 	 	 	 
	200	 	 	 	 	 	 	 	 	 	 
	201	 	 	 	 	 	 	 	 	 	 
	202	 	 	 	 	 	 	 	 	 	 
	203	 	 	 	 	 	 	 	 	 	 
	204	 	 	 	 	 	 	 	 	 	 
	205	 	 	 	 	 	 	 	 	 	 
	206	 	 	 	 	 	 	 	 	 	 
	207	 	 	 	 	 	 	 	 	 	 

 

 

	 	61	62	63	64	65	66	67	68	69	70
	KEY	Subsequent
 Minimum Payment
 Reset Period	Option ARM
 Indicator	Options at Recast	Initial Minimum
 Payment	Current Minimum
 Payment	Prepayment Penalty
 Calculation	Prepayment Penalty
 Type	Prepayment Penalty
 Total Term	Prepayment Penalty
 Hard Term	Primary Borrower ID
	1	 	 	 	 	 	 	 	0	 	193
	2	 	 	 	 	 	 	 	0	 	274
	3	 	 	 	 	 	 	 	0	 	271
	4	 	 	 	 	 	 	 	0	 	8
	5	 	 	 	 	 	 	 	0	 	197
	6	 	 	 	 	 	 	 	0	 	208
	7	 	 	 	 	 	 	 	0	 	202
	8	 	 	 	 	 	 	 	0	 	2
	9	 	 	 	 	 	 	 	0	 	214
	10	 	 	 	 	 	 	 	0	 	205
	11	 	 	 	 	 	 	 	0	 	206
	12	 	 	 	 	 	 	 	0	 	212
	13	 	 	 	 	 	 	 	0	 	156
	14	 	 	 	 	 	 	 	0	 	203
	15	 	 	 	 	 	 	 	0	 	204
	16	 	 	 	 	 	 	 	0	 	110
	17	 	 	 	 	 	 	 	0	 	123
	18	 	 	 	 	 	 	 	0	 	86
	19	 	 	 	 	 	 	 	0	 	221
	20	 	 	 	 	 	 	 	0	 	138
	21	 	 	 	 	 	 	 	0	 	281
	22	 	 	 	 	 	 	 	0	 	82
	23	 	 	 	 	 	 	 	0	 	42
	24	 	 	 	 	 	 	 	0	 	174
	25	 	 	 	 	 	 	 	0	 	195
	26	 	 	 	 	 	 	 	0	 	40
	27	 	 	 	 	 	 	 	0	 	99
	28	 	 	 	 	 	 	 	0	 	187
	29	 	 	 	 	 	 	 	0	 	150
	30	 	 	 	 	 	 	 	0	 	171
	31	 	 	 	 	 	 	 	0	 	298
	32	 	 	 	 	 	 	 	0	 	250
	33	 	 	 	 	 	 	 	0	 	240
	34	 	 	 	 	 	 	 	0	 	32
	35	 	 	 	 	 	 	 	0	 	284
	36	 	 	 	 	 	 	 	0	 	27
	37	 	 	 	 	 	 	 	0	 	317
	38	 	 	 	 	 	 	 	0	 	283
	39	 	 	 	 	 	 	 	0	 	211
	40	 	 	 	 	 	 	 	0	 	38
	41	 	 	 	 	 	 	 	0	 	261
	42	 	 	 	 	 	 	 	0	 	53
	43	 	 	 	 	 	 	 	0	 	300
	44	 	 	 	 	 	 	 	0	 	234
	45	 	 	 	 	 	 	 	0	 	189
	46	 	 	 	 	 	 	 	0	 	35
	47	 	 	 	 	 	 	 	0	 	304
	48	 	 	 	 	 	 	 	0	 	131
	49	 	 	 	 	 	 	 	0	 	102
	50	 	 	 	 	 	 	 	0	 	49
	51	 	 	 	 	 	 	 	0	 	13
	52	 	 	 	 	 	 	 	0	 	136
	53	 	 	 	 	 	 	 	0	 	267
	54	 	 	 	 	 	 	 	0	 	96
	55	 	 	 	 	 	 	 	0	 	252
	56	 	 	 	 	 	 	 	0	 	191
	57	 	 	 	 	 	 	 	0	 	88
	58	 	 	 	 	 	 	 	0	 	276
	59	 	 	 	 	 	 	 	0	 	144
	60	 	 	 	 	 	 	 	0	 	7
	61	 	 	 	 	 	 	 	0	 	308
	62	 	 	 	 	 	 	 	0	 	286
	63	 	 	 	 	 	 	 	0	 	288
	64	 	 	 	 	 	 	 	0	 	24
	65	 	 	 	 	 	 	 	0	 	260
	66	 	 	 	 	 	 	 	0	 	101
	67	 	 	 	 	 	 	 	0	 	199
	68	 	 	 	 	 	 	 	0	 	73
	69	 	 	 	 	 	 	 	0	 	106
	70	 	 	 	 	 	 	 	0	 	236
	71	 	 	 	 	 	 	 	0	 	121
	72	 	 	 	 	 	 	 	0	 	105
	73	 	 	 	 	 	 	 	0	 	258
	74	 	 	 	 	 	 	 	0	 	313
	75	 	 	 	 	 	 	 	0	 	137
	76	 	 	 	 	 	 	 	0	 	180
	77	 	 	 	 	 	 	 	0	 	93
	78	 	 	 	 	 	 	 	0	 	97
	79	 	 	 	 	 	 	 	0	 	169
	80	 	 	 	 	 	 	 	0	 	239
	81	 	 	 	 	 	 	 	0	 	175
	82	 	 	 	 	 	 	 	0	 	241
	83	 	 	 	 	 	 	 	0	 	108
	84	 	 	 	 	 	 	 	0	 	299
	85	 	 	 	 	 	 	 	0	 	21
	86	 	 	 	 	 	 	 	0	 	104
	87	 	 	 	 	 	 	 	0	 	215
	88	 	 	 	 	 	 	 	0	 	217
	89	 	 	 	 	 	 	 	0	 	25
	90	 	 	 	 	 	 	 	0	 	22
	91	 	 	 	 	 	 	 	0	 	268
	92	 	 	 	 	 	 	 	0	 	85
	93	 	 	 	 	 	 	 	0	 	1
	94	 	 	 	 	 	 	 	0	 	318
	95	 	 	 	 	 	 	 	0	 	248
	96	 	 	 	 	 	 	 	0	 	222
	97	 	 	 	 	 	 	 	0	 	9
	98	 	 	 	 	 	 	 	0	 	196
	99	 	 	 	 	 	 	 	0	 	262
	100	 	 	 	 	 	 	 	0	 	126
	101	 	 	 	 	 	 	 	0	 	314
	102	 	 	 	 	 	 	 	0	 	259
	103	 	 	 	 	 	 	 	0	 	228
	104	 	 	 	 	 	 	 	0	 	254
	105	 	 	 	 	 	 	 	0	 	118
	106	 	 	 	 	 	 	 	0	 	114
	107	 	 	 	 	 	 	 	0	 	54
	108	 	 	 	 	 	 	 	0	 	319
	109	 	 	 	 	 	 	 	0	 	275
	110	 	 	 	 	 	 	 	0	 	320
	111	 	 	 	 	 	 	 	0	 	321
	112	 	 	 	 	 	 	 	0	 	322
	113	 	 	 	 	 	 	 	0	 	323
	114	 	 	 	 	 	 	 	0	 	324
	115	 	 	 	 	 	 	 	0	 	129
	116	 	 	 	 	 	 	 	0	 	154
	117	 	 	 	 	 	 	 	0	 	165
	118	 	 	 	 	 	 	 	0	 	310
	119	 	 	 	 	 	 	 	0	 	163
	120	 	 	 	 	 	 	 	0	 	127
	121	 	 	 	 	 	 	 	0	 	152
	122	 	 	 	 	 	 	 	0	 	140
	123	 	 	 	 	 	 	 	0	 	17
	124	 	 	 	 	 	 	 	0	 	91
	125	 	 	 	 	 	 	 	0	 	134
	126	 	 	 	 	 	 	 	0	 	130
	127	 	 	 	 	 	 	 	0	 	145
	128	 	 	 	 	 	 	 	0	 	172
	129	 	 	 	 	 	 	 	0	 	173
	130	 	 	 	 	 	 	 	0	 	139
	131	 	 	 	 	 	 	 	0	 	83
	132	 	 	 	 	 	 	 	0	 	52
	133	 	 	 	 	 	 	 	0	 	23
	134	 	 	 	 	 	 	 	0	 	56
	135	 	 	 	 	 	 	 	0	 	207
	136	 	 	 	 	 	 	 	0	 	216
	137	 	 	 	 	 	 	 	0	 	141
	138	 	 	 	 	 	 	 	0	 	297
	139	 	 	 	 	 	 	 	0	 	177
	140	 	 	 	 	 	 	 	0	 	19
	141	 	 	 	 	 	 	 	0	 	44
	142	 	 	 	 	 	 	 	0	 	69
	143	 	 	 	 	 	 	 	0	 	164
	144	 	 	 	 	 	 	 	0	 	77
	145	 	 	 	 	 	 	 	0	 	20
	146	 	 	 	 	 	 	 	0	 	316
	147	 	 	 	 	 	 	 	0	 	256
	148	 	 	 	 	 	 	 	0	 	95
	149	 	 	 	 	 	 	 	0	 	75
	150	 	 	 	 	 	 	 	0	 	266
	151	 	 	 	 	 	 	 	0	 	235
	152	 	 	 	 	 	 	 	0	 	179
	153	 	 	 	 	 	 	 	0	 	247
	154	 	 	 	 	 	 	 	0	 	94
	155	 	 	 	 	 	 	 	0	 	238
	156	 	 	 	 	 	 	 	0	 	79
	157	 	 	 	 	 	 	 	0	 	242
	158	 	 	 	 	 	 	 	0	 	67
	159	 	 	 	 	 	 	 	0	 	186
	160	 	 	 	 	 	 	 	0	 	149
	161	 	 	 	 	 	 	 	0	 	183
	162	 	 	 	 	 	 	 	0	 	170
	163	 	 	 	 	 	 	 	0	 	325
	164	 	 	 	 	 	 	 	0	 	151
	165	 	 	 	 	 	 	 	0	 	188
	166	 	 	 	 	 	 	 	0	 	279
	167	 	 	 	 	 	 	 	0	 	116
	168	 	 	 	 	 	 	 	0	 	46
	169	 	 	 	 	 	 	 	0	 	87
	170	 	 	 	 	 	 	 	0	 	192
	171	 	 	 	 	 	 	 	0	 	90
	172	 	 	 	 	 	 	 	0	 	142
	173	 	 	 	 	 	 	 	0	 	176
	174	 	 	 	 	 	 	 	0	 	244
	175	 	 	 	 	 	 	 	0	 	289
	176	 	 	 	 	 	 	 	0	 	302
	177	 	 	 	 	 	 	 	0	 	198
	178	 	 	 	 	 	 	 	0	 	98
	179	 	 	 	 	 	 	 	0	 	213
	180	 	 	 	 	 	 	 	0	 	210
	181	 	 	 	 	 	 	 	0	 	34
	182	 	 	 	 	 	 	 	0	 	125
	183	 	 	 	 	 	 	 	0	 	147
	184	 	 	 	 	 	 	 	0	 	315
	185	 	 	 	 	 	 	 	0	 	84
	186	 	 	 	 	 	 	 	0	 	184
	187	 	 	 	 	 	 	 	0	 	161
	188	 	 	 	 	 	 	 	0	 	133
	189	 	 	 	 	 	 	 	0	 	264
	190	 	 	 	 	 	 	 	0	 	143
	191	 	 	 	 	 	 	 	0	 	168
	192	 	 	 	 	 	 	 	0	 	115
	193	 	 	 	 	 	 	 	0	 	76
	194	 	 	 	 	 	 	 	0	 	29
	195	 	 	 	 	 	 	 	0	 	113
	196	 	 	 	 	 	 	 	0	 	301
	197	 	 	 	 	 	 	 	0	 	122
	198	 	 	 	 	 	 	 	0	 	162
	199	 	 	 	 	 	 	 	0	 	70
	200	 	 	 	 	 	 	 	0	 	294
	201	 	 	 	 	 	 	 	0	 	245
	202	 	 	 	 	 	 	 	0	 	332
	203	 	 	 	 	 	 	 	0	 	333
	204	 	 	 	 	 	 	 	0	 	334
	205	 	 	 	 	 	 	 	0	 	335
	206	 	 	 	 	 	 	 	0	 	336
	207	 	 	 	 	 	 	 	0	 	337

 

 

	 	71	72	73	74	75	76	77	78	79	80
	KEY	Number of
 Mortgaged
 Properties	Total Number of
 Borrowers	Self-employment
 Flag	Current ‘Other’
 Monthly Payment	Length of
 Employment:
 Borrower	Length of
 Employment: Co-
 Borrower	Years in Home	FICO Model Used	Most Recent FICO
 Date	Primary Wage
 Earner Original
 FICO: Equifax
	1	2	 	0	 	4	 	0	1	 	 
	2	2	 	0	 	21	8	0	1	 	 
	3	2	 	1	 	6.7	6.7	0	1	 	 
	4	2	 	0	 	3.8	7.6	0	1	 	 
	5	2	 	0	 	24	24	7	1	 	 
	6	4	 	0	 	9.5	9.5	0.92	1	 	 
	7	3	 	0	 	17.3	3.6	0	1	 	 
	8	1	 	0	 	6.5	 	0	1	 	 
	9	2	 	0	 	4.83	4.5	4.5	1	 	 
	10	1	 	0	 	3.92	11.75	7	1	 	 
	11	4	 	0	 	19.2	10.3	20	1	 	 
	12	1	 	0	 	14.7	12.7	3.6	1	 	 
	13	1	 	0	 	5.8	 	0	1	 	 
	14	4	 	1	 	6	 	4	1	 	 
	15	3	 	0	 	6.6	6.6	0	1	 	 
	16	1	 	0	 	15	14	0.5	1	 	 
	17	1	 	0	 	5	 	0	1	 	 
	18	1	 	1	 	8	 	7	1	 	 
	19	2	 	1	 	11	7	6	1	 	 
	20	1	 	0	 	8	 	8	1	 	 
	21	1	 	0	 	24	 	15	1	 	 
	22	1	 	1	 	15	 	0	1	 	 
	23	2	 	1	 	10	8	5	1	 	 
	24	1	 	0	 	3.1	 	6.3	1	 	 
	25	1	 	1	 	5	 	0	1	 	 
	26	1	 	0	 	8	 	0	1	 	 
	27	1	 	1	 	4	 	0	1	 	 
	28	1	 	0	 	5	 	2	1	 	 
	29	1	 	1	 	12	 	0	1	 	 
	30	2	 	1	 	10	 	0	1	 	 
	31	1	 	0	 	3	 	1	1	 	 
	32	3	 	0	 	12	 	0	1	 	 
	33	1	 	1	 	20	 	0	1	 	 
	34	1	 	0	 	4	5	0	1	 	 
	35	1	 	0	 	27	8	18	1	 	 
	36	2	 	0	 	14	7	0	1	 	 
	37	2	 	0	 	15	 	0	1	 	 
	38	2	 	1	 	20	 	3	1	 	 
	39	3	 	1	 	10	 	1	1	 	 
	40	1	 	1	 	14	 	11	1	 	 
	41	2	 	1	 	16	 	6	1	 	 
	42	3	 	1	 	30	30	20	1	 	 
	43	2	 	0	 	6	2	0	1	5/16/2012	 
	44	4	 	1	 	15	 	20	1	 	 
	45	1	 	0	 	2	4	15	1	 	 
	46	1	 	1	 	17	 	6	1	 	 
	47	4	 	1	 	10	 	7	1	 	 
	48	2	 	0	 	16	11	4	1	 	 
	49	2	 	0	 	2	 	4	1	 	 
	50	2	 	1	 	10	10	1	1	 	 
	51	2	 	1	 	20	 	9	1	 	 
	52	2	 	0	 	10	 	0	1	 	 
	53	3	 	1	 	19	19	0	1	 	 
	54	1	 	1	 	10	3	7	1	 	 
	55	3	 	0	 	0	 	35	1	 	 
	56	3	 	0	 	13	27	23	1	 	 
	57	1	 	0	 	1	 	13	1	 	 
	58	2	 	1	 	16	 	12	1	 	 
	59	1	 	0	 	5	 	0	1	 	 
	60	1	 	1	 	20	 	5	1	 	 
	61	2	 	0	 	11	11	3	1	 	 
	62	1	 	0	 	4	 	10	1	 	 
	63	1	 	0	 	35	6	0	1	 	 
	64	1	 	1	 	19	 	4	1	 	 
	65	3	 	1	 	13	 	0	1	 	 
	66	1	 	0	 	2	 	0	1	 	 
	67	3	 	0	 	12	 	0	1	 	 
	68	1	 	1	 	25	25	0	1	 	 
	69	1	 	0	 	25	26	0	1	 	 
	70	3	 	0	 	16	 	0	1	 	 
	71	2	 	1	 	10	 	3	1	 	 
	72	1	 	0	 	0	10	0	1	 	 
	73	1	 	0	 	12	1	0	1	 	 
	74	7	 	1	 	9	10	1	1	 	 
	75	1	 	1	 	30	30	7	1	 	 
	76	2	 	1	 	15	 	4	1	 	 
	77	1	 	1	 	7	 	3	1	 	 
	78	1	 	0	 	15	 	0	1	 	 
	79	1	 	0	 	5	0	0	1	 	 
	80	1	 	0	 	0	6	10	1	 	 
	81	1	 	0	 	7	7	6	1	 	 
	82	2	 	1	 	23	 	10	1	 	 
	83	1	 	0	 	0	 	7	1	 	 
	84	2	 	1	 	7	10	0	1	 	 
	85	2	 	0	 	10	 	0	1	 	 
	86	2	 	1	 	40	 	33	1	 	 
	87	1	 	0	 	0	 	2	1	 	 
	88	3	 	0	 	1	5	0	1	 	 
	89	3	 	1	 	6	 	0	1	 	 
	90	1	 	0	 	11	7	0	1	 	 
	91	2	 	1	 	10	 	0	1	 	 
	92	1	 	1	 	16	 	3	1	 	 
	93	1	 	0	 	26	 	10	1	 	 
	94	2	 	0	 	16	 	9	1	 	 
	95	2	 	1	 	26	 	21	1	 	 
	96	2	 	0	 	22	 	0	1	 	 
	97	1	 	0	 	0	2	1	1	 	 
	98	1	 	0	 	10	2	0.1	1	 	 
	99	3	 	1	 	7	7	7	1	 	 
	100	3	 	1	 	30	 	30	1	 	 
	101	1	 	1	 	5	 	2	1	 	 
	102	2	 	0	 	7	16	4	1	 	 
	103	2	 	0	 	15	16	0	1	 	 
	104	2	 	1	 	60	 	0	1	 	 
	105	1	 	0	 	5	 	1	1	 	 
	106	2	 	0	 	27	 	0	1	 	 
	107	1	 	0	 	12	9	1	1	 	 
	108	2	 	0	 	10	10	0	1	 	 
	109	1	 	0	 	7	 	0	1	 	 
	110	2	 	1	 	32	 	1	1	 	 
	111	1	 	0	 	0	 	0	1	 	 
	112	1	 	1	 	5.17	5	17	1	 	 
	113	1	 	0	 	4	1	4	1	 	 
	114	3	 	1	 	3	 	0	1	 	 
	115	2	 	0	 	5	14	3	1	 	 
	116	1	 	0	 	7	 	0	1	 	 
	117	1	 	0	 	3	5	12	1	 	 
	118	1	 	0	 	6	 	1	1	 	 
	119	2	 	0	 	1	 	0	1	 	 
	120	1	 	0	 	2	3	0	1	 	 
	121	1	 	0	 	5	 	0	1	 	 
	122	1	 	0	 	15	 	8	1	 	 
	123	1	 	0	 	7	1	0	1	 	 
	124	1	 	1	 	25	3	0	1	 	 
	125	1	 	1	 	8	 	0	1	 	 
	126	2	 	1	 	21	 	0	1	 	 
	127	2	 	0	 	4	 	0	1	 	 
	128	1	 	0	 	0	 	0	1	 	 
	129	2	 	0	 	0	 	0	1	 	 
	130	1	 	0	 	11	 	10	1	 	 
	131	2	 	1	 	12	10	0	1	 	 
	132	1	 	0	 	9	 	0	1	 	 
	133	1	 	1	 	10	13	2	1	 	 
	134	1	 	0	 	0	0	0	1	 	 
	135	2	 	0	 	0	 	0	1	 	 
	136	1	 	0	 	0	 	0	1	 	 
	137	2	 	1	 	25	25	0	1	 	 
	138	2	 	0	 	0	 	0	1	5/16/2012	 
	139	2	 	1	 	12	 	1	1	 	 
	140	2	 	1	 	13	 	1	1	 	 
	141	1	 	1	 	5	 	0	1	 	 
	142	1	 	1	 	35	 	4	1	 	 
	143	2	 	1	 	23	 	0	1	 	 
	144	1	 	1	 	45	 	4	1	 	 
	145	2	 	0	 	22	 	0	1	 	 
	146	1	 	0	 	3	 	1.5	1	5/16/2012	 
	147	1	 	0	 	11	 	7	1	 	 
	148	1	 	1	 	12	 	0	1	 	 
	149	1	 	0	 	2	 	0.58	1	 	 
	150	2	 	0	 	4	11	0	1	 	 
	151	1	 	0	 	8	 	0	1	 	 
	152	1	 	1	 	12	 	1	1	 	 
	153	1	 	0	 	1	 	0	1	 	 
	154	2	 	1	 	25	 	2	1	 	 
	155	1	 	0	 	7	15	0.67	1	 	 
	156	1	 	0	 	3	 	6	1	 	 
	157	2	 	1	 	8	0	0	1	 	 
	158	3	 	0	 	18	5	8	1	 	 
	159	1	 	1	 	19	 	4	1	 	 
	160	1	 	0	 	4	0	5	1	 	 
	161	1	 	0	 	9	1	0	1	 	 
	162	2	 	1	 	32	 	0	1	 	 
	163	2	 	0	 	3	 	4	1	 	 
	164	1	 	0	 	7	 	1	1	 	 
	165	3	 	1	 	2	 	1	1	5/16/2012	 
	166	1	 	1	 	8	 	2	1	 	 
	167	1	 	0	 	6	 	5	1	 	 
	168	1	 	0	 	5	2	0	1	 	 
	169	1	 	1	 	4	 	0	1	 	 
	170	2	 	0	 	7	6	0.5	1	 	 
	171	1	 	0	 	1	1	1	1	 	 
	172	1	 	1	 	4	4	1	1	 	 
	173	1	 	0	 	9	 	0.9	1	 	 
	174	1	 	0	 	6	 	0	1	 	 
	175	1	 	0	 	0	 	0	1	 	 
	176	1	 	0	 	3	 	0	1	 	 
	177	1	 	1	 	18	10	10	1	 	 
	178	2	 	0	 	10	10	0	1	 	 
	179	2	 	1	 	10	10	0	1	 	 
	180	1	 	0	 	3	 	0	1	 	 
	181	1	 	0	 	0	 	0	1	 	 
	182	4	 	0	 	0	36	16	1	 	 
	183	1	 	0	 	19	 	5	1	 	 
	184	2	 	0	 	3	 	0	1	 	 
	185	2	 	0	 	2	6	0	1	 	 
	186	1	 	0	 	0	12	0	1	 	 
	187	1	 	0	 	2	 	3	1	 	 
	188	1	 	0	 	26	2	4	1	 	 
	189	1	 	0	 	7	 	1	1	 	 
	190	1	 	1	 	4	 	1	1	 	 
	191	1	 	0	 	11	 	5	1	 	 
	192	1	 	0	 	16.5	16	0	1	 	 
	193	2	 	0	 	21	 	15	1	 	 
	194	1	 	0	 	2	 	0	1	 	 
	195	2	 	0	 	1	4	2	1	 	 
	196	1	 	0	 	2	1	2	1	 	 
	197	2	 	0	 	10	5	0	1	 	 
	198	3	 	1	 	9	11	0	1	 	 
	199	1	 	0	 	12	 	9	1	 	 
	200	3	 	0	 	9	 	4	1	 	 
	201	2	 	0	 	12	20	0.5	1	 	 
	202	4	 	1	 	26	 	0	1	 	 
	203	3	 	0	 	21	 	0	1	 	 
	204	3	 	1	 	8	8	0	1	 	 
	205	1	 	1	 	9	 	8	1	 	 
	206	1	 	0	 	2	 	0	1	 	 
	207	1	 	0	 	4	1	0	1	 	 

 

	 	81	82	83	84	85	86	87	88	89	90
	KEY	Primary Wage
 Earner Original
 FICO: Experian	Primary Wage
 Earner Original
 FICO: TransUnion	Secondary Wage
 Earner Original
 FICO: Equifax	Secondary Wage
 Earner Original
 FICO: Experian	Secondary Wage
 Earner Original
 FICO: TransUnion	Original
 Primary Borrower
 FICO	Most Recent
 Primary Borrower
 FICO	Most Recent Co-
 Borrower FICO	Most Recent FICO
 Method	VantageScore:
 Primary Borrower
	1	 	 	 	 	 	764	 	 	 	 
	2	 	 	 	 	 	720	 	 	 	 
	3	 	 	 	 	 	772	 	 	 	 
	4	 	 	 	 	 	781	 	 	 	 
	5	 	 	 	 	 	773	 	 	 	 
	6	 	 	 	 	 	723	 	 	 	 
	7	 	 	 	 	 	776	 	 	 	 
	8	 	 	 	 	 	776	 	 	 	 
	9	 	 	 	 	 	770	 	 	 	 
	10	 	 	 	 	 	808	 	 	 	 
	11	 	 	 	 	 	810	 	 	 	 
	12	 	 	 	 	 	773	 	 	 	 
	13	 	 	 	 	 	806	 	 	 	 
	14	 	 	 	 	 	763	 	 	 	 
	15	 	 	 	 	 	742	 	 	 	 
	16	 	 	 	 	 	761	 	 	 	 
	17	 	 	 	 	 	789	 	 	 	 
	18	 	 	 	 	 	783	 	 	 	 
	19	 	 	 	 	 	799	 	 	 	 
	20	 	 	 	 	 	764	 	 	 	 
	21	 	 	 	 	 	728	 	 	 	 
	22	 	 	 	 	 	795	 	 	 	 
	23	 	 	 	 	 	763	 	 	 	 
	24	 	 	 	 	 	737	 	 	 	 
	25	 	 	 	 	 	801	 	 	 	 
	26	 	 	 	 	 	769	 	 	 	 
	27	 	 	 	 	 	768	 	 	 	 
	28	 	 	 	 	 	813	 	 	 	 
	29	 	 	 	 	 	761	 	 	 	 
	30	 	 	 	 	 	800	 	 	 	 
	31	 	 	 	 	 	774	 	 	 	 
	32	 	 	 	 	 	802	 	 	 	 
	33	 	 	 	 	 	711	 	 	 	 
	34	 	 	 	 	 	740	 	 	 	 
	35	 	 	 	 	 	764	 	 	 	 
	36	 	 	 	 	 	780	 	 	 	 
	37	 	 	 	 	 	748	 	 	 	 
	38	 	 	 	 	 	766	 	 	 	 
	39	 	 	 	 	 	729	 	 	 	 
	40	 	 	 	 	 	759	 	 	 	 
	41	 	 	 	 	 	772	 	 	 	 
	42	 	 	 	 	 	738	 	 	 	 
	43	 	 	 	 	 	774	768	 	 	 
	44	 	 	 	 	 	726	 	 	 	 
	45	 	 	 	 	 	755	 	 	 	 
	46	 	 	 	 	 	774	 	 	 	 
	47	 	 	 	 	 	761	 	 	 	 
	48	 	 	 	 	 	795	 	 	 	 
	49	 	 	 	 	 	725	 	 	 	 
	50	 	 	 	 	 	771	 	 	 	 
	51	 	 	 	 	 	789	 	 	 	 
	52	 	 	 	 	 	783	 	 	 	 
	53	 	 	 	 	 	754	 	 	 	 
	54	 	 	 	 	 	767	 	 	 	 
	55	 	 	 	 	 	795	 	 	 	 
	56	 	 	 	 	 	746	 	 	 	 
	57	 	 	 	 	 	780	 	 	 	 
	58	 	 	 	 	 	802	 	 	 	 
	59	 	 	 	 	 	757	 	 	 	 
	60	 	 	 	 	 	793	 	 	 	 
	61	 	 	 	 	 	790	 	 	 	 
	62	 	 	 	 	 	725	 	 	 	 
	63	 	 	 	 	 	801	 	 	 	 
	64	 	 	 	 	 	756	 	 	 	 
	65	 	 	 	 	 	803	 	 	 	 
	66	 	 	 	 	 	807	 	 	 	 
	67	 	 	 	 	 	766	 	 	 	 
	68	 	 	 	 	 	785	 	 	 	 
	69	 	 	 	 	 	796	 	 	 	 
	70	 	 	 	 	 	759	 	 	 	 
	71	 	 	 	 	 	752	 	 	 	 
	72	 	 	 	 	 	801	 	 	 	 
	73	 	 	 	 	 	810	 	 	 	 
	74	 	 	 	 	 	760	 	 	 	 
	75	 	 	 	 	 	776	 	 	 	 
	76	 	 	 	 	 	790	 	 	 	 
	77	 	 	 	 	 	752	 	 	 	 
	78	 	 	 	 	 	723	 	 	 	 
	79	 	 	 	 	 	762	 	 	 	 
	80	 	 	 	 	 	809	 	 	 	 
	81	 	 	 	 	 	794	 	 	 	 
	82	 	 	 	 	 	771	 	 	 	 
	83	 	 	 	 	 	781	 	 	 	 
	84	 	 	 	 	 	738	 	 	 	 
	85	 	 	 	 	 	765	 	 	 	 
	86	 	 	 	 	 	792	 	 	 	 
	87	 	 	 	 	 	808	 	 	 	 
	88	 	 	 	 	 	785	 	 	 	 
	89	 	 	 	 	 	761	 	 	 	 
	90	 	 	 	 	 	803	 	 	 	 
	91	 	 	 	 	 	782	 	 	 	 
	92	 	 	 	 	 	781	 	 	 	 
	93	 	 	 	 	 	734	 	 	 	 
	94	 	 	 	 	 	769	 	 	 	 
	95	 	 	 	 	 	776	 	 	 	 
	96	 	 	 	 	 	786	 	 	 	 
	97	 	 	 	 	 	740	 	 	 	 
	98	 	 	 	 	 	752	 	 	 	 
	99	 	 	 	 	 	787	 	 	 	 
	100	 	 	 	 	 	771	 	 	 	 
	101	 	 	 	 	 	777	 	 	 	 
	102	 	 	 	 	 	762	 	 	 	 
	103	 	 	 	 	 	758	 	 	 	 
	104	 	 	 	 	 	751	 	 	 	 
	105	 	 	 	 	 	777	 	 	 	 
	106	 	 	 	 	 	738	 	 	 	 
	107	 	 	 	 	 	771	 	 	 	 
	108	 	 	 	 	 	784	 	 	 	 
	109	 	 	 	 	 	762	 	 	 	 
	110	 	 	 	 	 	775	 	 	 	 
	111	 	 	 	 	 	736	 	 	 	 
	112	 	 	 	 	 	766	 	 	 	 
	113	 	 	 	 	 	783	 	 	 	 
	114	 	 	 	 	 	726	 	 	 	 
	115	 	 	 	 	 	728	 	 	 	 
	116	 	 	 	 	 	760	 	 	 	 
	117	 	 	 	 	 	788	 	 	 	 
	118	 	 	 	 	 	766	 	 	 	 
	119	 	 	 	 	 	771	 	 	 	 
	120	 	 	 	 	 	779	 	 	 	 
	121	 	 	 	 	 	757	 	 	 	 
	122	 	 	 	 	 	782	 	 	 	 
	123	 	 	 	 	 	796	 	 	 	 
	124	 	 	 	 	 	720	 	 	 	 
	125	 	 	 	 	 	797	 	 	 	 
	126	 	 	 	 	 	787	 	 	 	 
	127	 	 	 	 	 	766	 	 	 	 
	128	 	 	 	 	 	689	 	 	 	 
	129	 	 	 	 	 	780	 	 	 	 
	130	 	 	 	 	 	744	 	 	 	 
	131	 	 	 	 	 	752	 	 	 	 
	132	 	 	 	 	 	793	 	 	 	 
	133	 	 	 	 	 	745	 	 	 	 
	134	 	 	 	 	 	747	 	 	 	 
	135	 	 	 	 	 	800	 	 	 	 
	136	 	 	 	 	 	787	 	 	 	 
	137	 	 	 	 	 	759	 	 	 	 
	138	 	 	 	 	 	730	654	 	 	 
	139	 	 	 	 	 	805	 	 	 	 
	140	 	 	 	 	 	703	 	 	 	 
	141	 	 	 	 	 	768	 	 	 	 
	142	 	 	 	 	 	804	 	 	 	 
	143	 	 	 	 	 	804	 	 	 	 
	144	 	 	 	 	 	716	 	 	 	 
	145	 	 	 	 	 	790	 	 	 	 
	146	 	 	 	 	 	803	786	 	 	 
	147	 	 	 	 	 	759	 	 	 	 
	148	 	 	 	 	 	783	 	 	 	 
	149	 	 	 	 	 	787	 	 	 	 
	150	 	 	 	 	 	791	 	 	 	 
	151	 	 	 	 	 	784	 	 	 	 
	152	 	 	 	 	 	790	 	 	 	 
	153	 	 	 	 	 	805	 	 	 	 
	154	 	 	 	 	 	739	 	 	 	 
	155	 	 	 	 	 	808	 	 	 	 
	156	 	 	 	 	 	781	 	 	 	 
	157	 	 	 	 	 	783	 	 	 	 
	158	 	 	 	 	 	788	 	 	 	 
	159	 	 	 	 	 	772	 	 	 	 
	160	 	 	 	 	 	704	 	 	 	 
	161	 	 	 	 	 	784	 	 	 	 
	162	 	 	 	 	 	708	 	 	 	 
	163	 	 	 	 	 	780	 	 	 	 
	164	 	 	 	 	 	787	 	 	 	 
	165	 	 	 	 	 	730	743	 	 	 
	166	 	 	 	 	 	767	 	 	 	 
	167	 	 	 	 	 	772	 	 	 	 
	168	 	 	 	 	 	781	 	 	 	 
	169	 	 	 	 	 	725	 	 	 	 
	170	 	 	 	 	 	751	 	 	 	 
	171	 	 	 	 	 	736	 	 	 	 
	172	 	 	 	 	 	768	 	 	 	 
	173	 	 	 	 	 	721	 	 	 	 
	174	 	 	 	 	 	773	 	 	 	 
	175	 	 	 	 	 	782	 	 	 	 
	176	 	 	 	 	 	799	 	 	 	 
	177	 	 	 	 	 	729	 	 	 	 
	178	 	 	 	 	 	746	 	 	 	 
	179	 	 	 	 	 	770	 	 	 	 
	180	 	 	 	 	 	736	 	 	 	 
	181	 	 	 	 	 	732	 	 	 	 
	182	 	 	 	 	 	750	 	 	 	 
	183	 	 	 	 	 	747	 	 	 	 
	184	 	 	 	 	 	722	 	 	 	 
	185	 	 	 	 	 	776	 	 	 	 
	186	 	 	 	 	 	790	 	 	 	 
	187	 	 	 	 	 	785	 	 	 	 
	188	 	 	 	 	 	749	 	 	 	 
	189	 	 	 	 	 	789	 	 	 	 
	190	 	 	 	 	 	808	 	 	 	 
	191	 	 	 	 	 	787	 	 	 	 
	192	 	 	 	 	 	730	 	 	 	 
	193	 	 	 	 	 	783	 	 	 	 
	194	 	 	 	 	 	798	 	 	 	 
	195	 	 	 	 	 	734	 	 	 	 
	196	 	 	 	 	 	751	 	 	 	 
	197	 	 	 	 	 	762	 	 	 	 
	198	 	 	 	 	 	764	 	 	 	 
	199	 	 	 	 	 	786	 	 	 	 
	200	 	 	 	 	 	790	 	 	 	 
	201	 	 	 	 	 	767	 	 	 	 
	202	 	 	 	 	 	798	 	 	 	 
	203	 	 	 	 	 	763	 	 	 	 
	204	 	 	 	 	 	797	 	 	 	 
	205	 	 	 	 	 	798	 	 	 	 
	206	 	 	 	 	 	769	 	 	 	 
	207	 	 	 	 	 	721	 	 	 	 

 

 

 

	 	91	92	93	94	95	96	97	98	99	100
	KEY	VantageScore: Co-
 Borrower	Most Recent
 VantageScore
 Method	VantageScore Date	Credit Report:
 Longest Trade Line	Credit Report:
 Maximum Trade
 Line	Credit Report:
 Number of Trade
 Lines	Credit Line Usage
 Ratio	Most Recent 12-
 month Pay History	Months Bankruptcy	Months Foreclosure
	1	 	 	 	 	 	 	 	000000000000	 	 
	2	 	 	 	 	 	 	 	000000000000	 	 
	3	 	 	 	 	 	 	 	000000000000	 	 
	4	 	 	 	 	 	 	 	000000000000	 	 
	5	 	 	 	 	 	 	 	000000000000	 	 
	6	 	 	 	 	 	 	 	000000000000	 	 
	7	 	 	 	 	 	 	 	000000000000	 	 
	8	 	 	 	 	 	 	 	000000000000	 	 
	9	 	 	 	 	 	 	 	000000000000	 	 
	10	 	 	 	 	 	 	 	000000000000	 	 
	11	 	 	 	 	 	 	 	000000000000	 	 
	12	 	 	 	 	 	 	 	000000000000	 	 
	13	 	 	 	 	 	 	 	000000000000	 	 
	14	 	 	 	 	 	 	 	000000000000	 	 
	15	 	 	 	 	 	 	 	000000000000	 	 
	16	 	 	 	 	 	 	 	000000000000	 	 
	17	 	 	 	 	 	 	 	000000000000	 	 
	18	 	 	 	 	 	 	 	000000000000	 	 
	19	 	 	 	 	 	 	 	000000000000	 	 
	20	 	 	 	 	 	 	 	000000000000	 	 
	21	 	 	 	 	 	 	 	000000000000	 	 
	22	 	 	 	 	 	 	 	000000000000	 	 
	23	 	 	 	 	 	 	 	000000000000	 	 
	24	 	 	 	 	 	 	 	000000000000	 	 
	25	 	 	 	 	 	 	 	000000000000	 	 
	26	 	 	 	 	 	 	 	000000000000	 	 
	27	 	 	 	 	 	 	 	000000000000	 	 
	28	 	 	 	 	 	 	 	000000000000	 	 
	29	 	 	 	 	 	 	 	000000000000	 	 
	30	 	 	 	 	 	 	 	000000000000	 	 
	31	 	 	 	 	 	 	 	000000000000	 	 
	32	 	 	 	 	 	 	 	000000000000	 	 
	33	 	 	 	 	 	 	 	000000000000	 	 
	34	 	 	 	 	 	 	 	000000000000	 	 
	35	 	 	 	 	 	 	 	000000000000	 	 
	36	 	 	 	 	 	 	 	000000000000	 	 
	37	 	 	 	 	 	 	 	000000000000	 	 
	38	 	 	 	 	 	 	 	000000000000	 	 
	39	 	 	 	 	 	 	 	000000000000	 	 
	40	 	 	 	 	 	 	 	000000000000	 	 
	41	 	 	 	 	 	 	 	000000000000	 	 
	42	 	 	 	 	 	 	 	000000000000	 	 
	43	 	 	 	 	 	 	 	000000000000	 	 
	44	 	 	 	 	 	 	 	000000000000	 	 
	45	 	 	 	 	 	 	 	000000000000	 	 
	46	 	 	 	 	 	 	 	000000000000	 	 
	47	 	 	 	 	 	 	 	000000000000	 	 
	48	 	 	 	 	 	 	 	000000000000	 	 
	49	 	 	 	 	 	 	 	000000000000	 	 
	50	 	 	 	 	 	 	 	000000000000	 	 
	51	 	 	 	 	 	 	 	000000000000	 	 
	52	 	 	 	 	 	 	 	000000000000	 	 
	53	 	 	 	 	 	 	 	000000000000	 	 
	54	 	 	 	 	 	 	 	000000000000	 	 
	55	 	 	 	 	 	 	 	000000000000	 	 
	56	 	 	 	 	 	 	 	000000000000	 	 
	57	 	 	 	 	 	 	 	000000000000	 	 
	58	 	 	 	 	 	 	 	000000000000	 	 
	59	 	 	 	 	 	 	 	000000000000	 	 
	60	 	 	 	 	 	 	 	000000000000	 	 
	61	 	 	 	 	 	 	 	000000000000	 	 
	62	 	 	 	 	 	 	 	000000000000	 	 
	63	 	 	 	 	 	 	 	000000000000	 	 
	64	 	 	 	 	 	 	 	000000000000	 	 
	65	 	 	 	 	 	 	 	000000000000	 	 
	66	 	 	 	 	 	 	 	000000000000	 	 
	67	 	 	 	 	 	 	 	000000000000	 	 
	68	 	 	 	 	 	 	 	000000000000	 	 
	69	 	 	 	 	 	 	 	000000000000	 	 
	70	 	 	 	 	 	 	 	000000000000	 	 
	71	 	 	 	 	 	 	 	000000000000	 	 
	72	 	 	 	 	 	 	 	000000000000	 	 
	73	 	 	 	 	 	 	 	000000000000	 	 
	74	 	 	 	 	 	 	 	000000000000	 	 
	75	 	 	 	 	 	 	 	000000000000	 	 
	76	 	 	 	 	 	 	 	000000000000	 	 
	77	 	 	 	 	 	 	 	000000000000	 	 
	78	 	 	 	 	 	 	 	000000000000	 	 
	79	 	 	 	 	 	 	 	000000000000	 	 
	80	 	 	 	 	 	 	 	000000000000	 	 
	81	 	 	 	 	 	 	 	000000000000	 	 
	82	 	 	 	 	 	 	 	000000000000	 	 
	83	 	 	 	 	 	 	 	000000000000	 	 
	84	 	 	 	 	 	 	 	000000000000	 	 
	85	 	 	 	 	 	 	 	000000000000	 	 
	86	 	 	 	 	 	 	 	000000000000	 	 
	87	 	 	 	 	 	 	 	000000000000	 	 
	88	 	 	 	 	 	 	 	000000000000	 	 
	89	 	 	 	 	 	 	 	000000000000	 	 
	90	 	 	 	 	 	 	 	000000000000	 	 
	91	 	 	 	 	 	 	 	000000000000	 	 
	92	 	 	 	 	 	 	 	000000000000	 	 
	93	 	 	 	 	 	 	 	000000000000	 	 
	94	 	 	 	 	 	 	 	000000000000	 	 
	95	 	 	 	 	 	 	 	000000000000	 	 
	96	 	 	 	 	 	 	 	000000000000	 	 
	97	 	 	 	 	 	 	 	000000000000	 	 
	98	 	 	 	 	 	 	 	000000000000	 	 
	99	 	 	 	 	 	 	 	000000000000	 	 
	100	 	 	 	 	 	 	 	000000000000	 	 
	101	 	 	 	 	 	 	 	000000000000	 	 
	102	 	 	 	 	 	 	 	000000000000	 	 
	103	 	 	 	 	 	 	 	000000000000	 	 
	104	 	 	 	 	 	 	 	000000000000	 	 
	105	 	 	 	 	 	 	 	000000000000	 	 
	106	 	 	 	 	 	 	 	000000000000	 	 
	107	 	 	 	 	 	 	 	000000000000	 	 
	108	 	 	 	 	 	 	 	000000000000	 	 
	109	 	 	 	 	 	 	 	000000000000	 	 
	110	 	 	 	 	 	 	 	000000000000	 	 
	111	 	 	 	 	 	 	 	000000000000	 	 
	112	 	 	 	 	 	 	 	000000000000	 	 
	113	 	 	 	 	 	 	 	000000000000	 	 
	114	 	 	 	 	 	 	 	000000000000	 	 
	115	 	 	 	 	 	 	 	000000000000	 	 
	116	 	 	 	 	 	 	 	000000000000	 	 
	117	 	 	 	 	 	 	 	000000000000	 	 
	118	 	 	 	 	 	 	 	000000000000	 	 
	119	 	 	 	 	 	 	 	000000000000	 	 
	120	 	 	 	 	 	 	 	000000000000	 	 
	121	 	 	 	 	 	 	 	000000000000	 	 
	122	 	 	 	 	 	 	 	000000000000	 	 
	123	 	 	 	 	 	 	 	000000000000	 	 
	124	 	 	 	 	 	 	 	000000000000	 	 
	125	 	 	 	 	 	 	 	000000000000	 	 
	126	 	 	 	 	 	 	 	000000000000	 	 
	127	 	 	 	 	 	 	 	000000000000	 	 
	128	 	 	 	 	 	 	 	000000000000	 	 
	129	 	 	 	 	 	 	 	000000000000	 	 
	130	 	 	 	 	 	 	 	000000000000	 	 
	131	 	 	 	 	 	 	 	000000000000	 	 
	132	 	 	 	 	 	 	 	000000000000	 	 
	133	 	 	 	 	 	 	 	000000000000	 	 
	134	 	 	 	 	 	 	 	000000000000	 	 
	135	 	 	 	 	 	 	 	000000000000	 	 
	136	 	 	 	 	 	 	 	000000000000	 	 
	137	 	 	 	 	 	 	 	000000000000	 	 
	138	 	 	 	 	 	 	 	000000000000	 	 
	139	 	 	 	 	 	 	 	000000000000	 	 
	140	 	 	 	 	 	 	 	000000000000	 	 
	141	 	 	 	 	 	 	 	000000000000	 	 
	142	 	 	 	 	 	 	 	000000000000	 	 
	143	 	 	 	 	 	 	 	000000000000	 	 
	144	 	 	 	 	 	 	 	000000000000	 	 
	145	 	 	 	 	 	 	 	000000000000	 	 
	146	 	 	 	 	 	 	 	000000000000	 	 
	147	 	 	 	 	 	 	 	000000000000	 	 
	148	 	 	 	 	 	 	 	000000000000	 	 
	149	 	 	 	 	 	 	 	000000000000	 	 
	150	 	 	 	 	 	 	 	000000000000	 	 
	151	 	 	 	 	 	 	 	000000000000	 	 
	152	 	 	 	 	 	 	 	000000000000	 	 
	153	 	 	 	 	 	 	 	000000000000	 	 
	154	 	 	 	 	 	 	 	000000000000	 	 
	155	 	 	 	 	 	 	 	000000000000	 	 
	156	 	 	 	 	 	 	 	000000000000	 	 
	157	 	 	 	 	 	 	 	000000000000	 	 
	158	 	 	 	 	 	 	 	000000000000	 	 
	159	 	 	 	 	 	 	 	000000000000	 	 
	160	 	 	 	 	 	 	 	000000000000	 	 
	161	 	 	 	 	 	 	 	000000000000	 	 
	162	 	 	 	 	 	 	 	000000000000	 	 
	163	 	 	 	 	 	 	 	000000000000	 	 
	164	 	 	 	 	 	 	 	000000000000	 	 
	165	 	 	 	 	 	 	 	000000000000	 	 
	166	 	 	 	 	 	 	 	000000000000	 	 
	167	 	 	 	 	 	 	 	000000000000	 	 
	168	 	 	 	 	 	 	 	000000000000	 	 
	169	 	 	 	 	 	 	 	000000000000	 	 
	170	 	 	 	 	 	 	 	000000000000	 	 
	171	 	 	 	 	 	 	 	000000000000	 	 
	172	 	 	 	 	 	 	 	000000000000	 	 
	173	 	 	 	 	 	 	 	000000000000	 	 
	174	 	 	 	 	 	 	 	000000000000	 	 
	175	 	 	 	 	 	 	 	000000000000	 	 
	176	 	 	 	 	 	 	 	000000000000	 	 
	177	 	 	 	 	 	 	 	000000000000	 	 
	178	 	 	 	 	 	 	 	000000000000	 	 
	179	 	 	 	 	 	 	 	000000000000	 	 
	180	 	 	 	 	 	 	 	000000000000	 	 
	181	 	 	 	 	 	 	 	000000000000	 	 
	182	 	 	 	 	 	 	 	000000000000	 	 
	183	 	 	 	 	 	 	 	000000000000	 	 
	184	 	 	 	 	 	 	 	000000000000	 	 
	185	 	 	 	 	 	 	 	000000000000	 	 
	186	 	 	 	 	 	 	 	000000000000	 	 
	187	 	 	 	 	 	 	 	000000000000	 	 
	188	 	 	 	 	 	 	 	000000000000	 	 
	189	 	 	 	 	 	 	 	000000000000	 	 
	190	 	 	 	 	 	 	 	000000000000	 	 
	191	 	 	 	 	 	 	 	000000000000	 	 
	192	 	 	 	 	 	 	 	000000000000	 	 
	193	 	 	 	 	 	 	 	000000000000	 	 
	194	 	 	 	 	 	 	 	000000000000	 	 
	195	 	 	 	 	 	 	 	000000000000	 	 
	196	 	 	 	 	 	 	 	000000000000	 	 
	197	 	 	 	 	 	 	 	000000000000	 	 
	198	 	 	 	 	 	 	 	000000000000	 	 
	199	 	 	 	 	 	 	 	000000000000	 	 
	200	 	 	 	 	 	 	 	000000000000	 	 
	201	 	 	 	 	 	 	 	000000000000	 	 
	202	 	 	 	 	 	 	 	000000000000	 	 
	203	 	 	 	 	 	 	 	000000000000	 	 
	204	 	 	 	 	 	 	 	000000000000	 	 
	205	 	 	 	 	 	 	 	000000000000	 	 
	206	 	 	 	 	 	 	 	000000000000	 	 
	207	 	 	 	 	 	 	 	000000000000	 	 

 

 

	 	101	102	103	104	105	106	107	108	109	110
	KEY	Primary Borrower
 Wage Income	Co-Borrower Wage
 Income	Primary Borrower
 Other Income	Co-Borrower Other
 Income	All Borrower Wage
 Income	All Borrower Total
 Income	4506-T Indicator	Borrower Income
 Verification Level	Co-Borrower
 Income Verification	Borrower
 Employment
 Verification
	1	18668.14	 	-505.00	 	18668.14	18163.14	1	5	 	3
	2	5484.27	5820.27	-1355.84	0.00	11304.54	9948.70	1	5	 	3
	3	45275.00	3111.00	0.00	0.00	48386.00	48386.00	1	5	 	3
	4	12949.82	12571.82	0.00	-23.00	25521.64	25498.64	1	5	 	3
	5	20432.00	11587.98	0.00	0.00	32019.98	32019.98	1	5	 	3
	6	11226.98	10518.00	97.00	0.00	21744.98	21841.98	1	5	 	3
	7	17125.00	25069.00	0.00	0.00	42194.00	42194.00	1	5	 	3
	8	0.00	 	25891.00	 	0.00	25891.00	1	5	 	3
	9	11425.00	8000.00	1675.00	0.00	19425.00	21100.00	1	5	 	3
	10	11625.00	7708.34	0.00	0.00	19333.34	19333.34	1	5	 	3
	11	62.00	14295.00	3405.75	1367.00	14357.00	19129.75	1	5	 	3
	12	6376.00	5563.00	-178.83	-244.17	11939.00	11516.00	1	5	 	3
	13	17570.50	 	0.00	 	17570.50	17570.50	1	5	 	3
	14	25564.00	 	1315.00	 	25564.00	26879.00	1	5	 	3
	15	10550.00	9550.00	0.00	0.00	20100.00	20100.00	1	5	 	3
	16	13266.67	15833.34	0.00	0.00	29100.01	29100.01	1	5	 	3
	17	15312.48	0.00	0.00	0.00	15312.48	15312.48	1	5	 	3
	18	47942.00	0.00	-16.00	0.00	47942.00	47926.00	1	5	 	3
	19	8803.00	3125.00	-1752.00	0.00	11928.00	10176.00	1	5	 	3
	20	92526.00	0.00	0.00	0.00	92526.00	92526.00	1	5	 	3
	21	0.00	 	23161.41	 	0.00	23161.41	1	5	 	3
	22	41261.00	0.00	-1268.00	0.00	41261.00	39993.00	1	5	 	3
	23	87598.00	9333.00	-328.00	0.00	96931.00	96603.00	1	5	 	3
	24	20833.74	 	-18.04	 	20833.74	20815.70	1	5	 	3
	25	0.00	0.00	18555.00	0.00	0.00	18555.00	1	5	 	3
	26	41600.00	 	-25.00	 	41600.00	41575.00	1	5	 	3
	27	19533.00	 	0.00	 	19533.00	19533.00	1	5	 	3
	28	11823.71	950.00	3395.53	0.00	12773.71	16169.24	1	5	 	3
	29	16250.00	 	4839.00	 	16250.00	21089.00	1	5	 	3
	30	22191.21	0.00	-2239.00	0.00	22191.21	19952.21	1	5	 	3
	31	47409.87	0.00	0.00	0.00	47409.87	47409.87	1	5	 	3
	32	19828.75	0.00	4695.00	0.00	19828.75	24523.75	1	5	 	3
	33	30694.00	0.00	0.00	0.00	30694.00	30694.00	1	5	 	3
	34	7282.00	8164.00	567.37	0.00	15446.00	16013.37	1	5	 	3
	35	17155.66	4760.17	0.00	0.00	21915.83	21915.83	1	5	 	3
	36	14915.58	10824.32	0.00	0.00	25739.90	25739.90	1	5	 	3
	37	12154.65	 	5880.41	 	12154.65	18035.06	1	5	 	3
	38	31637.54	 	0.00	 	31637.54	31637.54	1	4	 	3
	39	17964.67	2381.08	-385.00	0.00	20345.75	19960.75	1	5	 	3
	40	25190.55	 	2567.00	 	25190.55	27757.55	1	5	 	3
	41	27246.93	 	-3103.81	 	27246.93	24143.12	1	5	 	3
	42	41835.00	5000.00	0.00	0.00	46835.00	46835.00	1	5	 	3
	43	51139.00	0.00	-5949.30	0.00	51139.00	45189.70	1	5	 	3
	44	14491.64	 	0.00	 	14491.64	14491.64	1	5	 	3
	45	23050.00	0.00	0.00	0.00	23050.00	23050.00	1	5	 	3
	46	28138.00	0.00	0.00	0.00	28138.00	28138.00	1	5	 	3
	47	70948.00	 	-1939.00	 	70948.00	69009.00	1	5	 	3
	48	10333.33	9776.40	-38.00	0.00	20109.73	20071.73	1	5	 	3
	49	23049.67	0.00	0.00	0.00	23049.67	23049.67	1	5	 	3
	50	18950.08	16125.66	-1942.00	0.00	35075.74	33133.74	1	5	 	3
	51	168814.00	 	-5331.70	 	168814.00	163482.30	1	5	 	3
	52	20833.33	 	6078.65	 	20833.33	26911.98	1	5	 	3
	53	33919.00	17042.67	-5640.00	0.00	50961.67	45321.67	1	5	 	3
	54	12490.00	3284.06	0.00	0.00	15774.06	15774.06	1	5	 	3
	55	11682.00	821.70	1589.50	0.00	12503.70	14093.20	1	5	 	3
	56	10846.74	11267.83	0.00	0.00	22114.57	22114.57	1	5	 	3
	57	18476.72	0.00	0.00	0.00	18476.72	18476.72	1	5	 	3
	58	140439.54	0.00	0.00	0.00	140439.54	140439.54	1	5	 	3
	59	22500.00	 	0.00	 	22500.00	22500.00	1	5	 	3
	60	17954.16	0.00	0.00	0.00	17954.16	17954.16	1	5	 	3
	61	14459.92	13359.92	1095.25	0.00	27819.84	28915.09	1	5	 	3
	62	21747.00	0.00	0.00	0.00	21747.00	21747.00	1	5	 	3
	63	17580.00	0.00	0.00	0.00	17580.00	17874.00	1	5	 	3
	64	8897.00	 	5897.00	 	8897.00	14794.00	1	5	 	3
	65	21433.33	0.00	-786.00	0.00	21433.33	20647.33	1	5	 	3
	66	5833.33	0.00	9072.22	0.00	5833.33	14905.55	1	5	 	3
	67	1972.00	0.00	15645.65	0.00	1972.00	17617.65	1	5	 	3
	68	8176.79	8176.79	0.00	0.00	16353.58	16353.58	1	5	 	3
	69	57290.00	9959.32	-992.94	0.00	67249.32	66256.38	1	5	 	3
	70	26541.67	12864.82	11081.25	0.00	39406.49	50487.74	1	5	 	3
	71	278945.00	 	-2422.00	 	278945.00	276523.00	1	5	 	3
	72	12377.75	6666.66	0.00	0.00	19044.41	19044.41	1	5	 	3
	73	14570.50	9383.08	0.00	0.00	23953.58	23953.58	1	5	 	3
	74	17737.00	9345.59	-87.13	0.00	27082.59	26995.46	1	5	 	3
	75	23370.00	19863.00	0.00	0.00	43233.00	43233.00	1	5	 	3
	76	19333.00	0.00	9333.33	0.00	19333.00	28666.33	1	5	 	3
	77	28176.16	0.00	0.00	0.00	28176.16	28176.16	1	5	 	3
	78	14583.33	 	4166.67	 	14583.33	18750.00	1	5	 	3
	79	6958.34	14833.33	0.00	0.00	21791.67	21791.67	1	5	 	3
	80	12500.00	1472.00	0.00	0.00	13972.00	13972.00	1	5	 	3
	81	24200.00	4498.42	0.00	0.00	28698.42	28698.42	1	5	 	3
	82	247554.75	0.00	0.00	0.00	247554.75	247554.75	1	5	 	3
	83	25000.00	0.00	0.00	0.00	25000.00	25000.00	1	5	 	3
	84	10687.45	10387.45	-812.00	0.00	21074.90	20262.90	1	5	 	3
	85	16666.67	 	12426.35	 	16666.67	29093.02	1	5	 	3
	86	22124.63	 	-1171.00	 	22124.63	20953.63	1	5	 	3
	87	0.00	 	10000.00	 	0.00	10000.00	0	3	 	3
	88	10625.33	6588.40	1064.01	0.00	17213.73	18277.74	1	5	 	3
	89	99918.58	 	-3479.53	 	99918.58	96439.05	1	5	 	3
	90	0.00	9258.33	11700.97	0.00	9258.33	20959.30	1	5	 	3
	91	16439.50	 	20681.59	 	16439.50	37121.09	1	5	 	3
	92	14272.51	 	0.00	 	14272.51	14272.51	1	5	 	3
	93	10187.70	 	3199.72	 	10187.70	13387.42	1	5	 	3
	94	8500.00	 	4266.23	 	8500.00	12766.23	1	5	 	3
	95	39674.25	0.00	0.00	0.00	39674.25	39674.25	1	5	 	3
	96	12916.67	0.00	24383.73	0.00	12916.67	37300.40	1	5	 	3
	97	2437.48	6015.60	0.00	1191.67	8453.08	9644.75	1	5	 	3
	98	5822.00	7767.07	0.00	0.00	13589.07	13589.07	1	5	 	3
	99	18644.83	11072.96	0.00	0.00	29717.79	29717.79	1	5	 	3
	100	87487.08	0.00	0.00	0.00	87487.08	87487.08	1	5	 	3
	101	18922.04	 	0.00	 	18922.04	18922.04	1	5	 	3
	102	14809.58	7687.65	-1864.00	0.00	22497.23	20633.23	1	5	 	3
	103	9432.16	11741.42	3815.59	0.00	21173.58	24989.17	1	5	 	3
	104	30748.90	 	0.00	 	30748.90	30748.90	1	5	 	3
	105	45100.00	0.00	0.00	0.00	45100.00	45100.00	1	5	 	3
	106	24166.67	0.00	0.00	0.00	24166.67	24166.67	1	5	 	3
	107	15000.00	8750.00	0.00	0.00	23750.00	23750.00	1	5	 	3
	108	9642.50	8224.67	3145.12	0.00	17867.17	21012.29	1	5	 	3
	109	12499.99	 	2900.00	 	12499.99	15399.99	1	5	 	3
	110	15544.66	 	0.00	 	15544.66	15544.66	1	5	 	3
	111	11250.07	 	0.00	 	11250.07	11250.07	1	5	 	3
	112	0.00	12364.54	0.00	0.00	12364.54	12364.54	0	5	 	3
	113	7510.53	15000.00	0.00	0.00	22510.53	22510.53	1	5	 	3
	114	34377.00	 	0.00	 	34377.00	34377.00	1	5	 	3
	115	9166.66	11388.14	-1458.04	0.00	20554.80	19096.76	1	5	 	3
	116	7083.00	0.00	8242.92	0.00	7083.00	15325.92	1	5	 	3
	117	6705.33	21184.80	0.00	0.00	27890.13	27890.13	1	5	 	3
	118	22916.66	0.00	0.00	0.00	22916.66	22916.66	1	5	 	3
	119	21916.66	0.00	0.00	0.00	21916.66	21916.66	1	5	 	3
	120	17083.32	11465.16	0.00	0.00	28548.48	28548.48	1	5	 	3
	121	2901.58	 	28612.98	 	2901.58	31514.56	1	5	 	3
	122	18939.00	0.00	0.00	0.00	18939.00	18939.00	1	5	 	3
	123	8333.34	7500.00	16481.00	0.00	15833.34	32314.34	1	5	 	3
	124	11640.00	9250.00	0.00	0.00	20890.00	20890.00	1	5	 	3
	125	11551.00	0.00	0.00	0.00	11551.00	11551.00	1	5	 	3
	126	78071.46	0.00	0.00	0.00	78071.46	78071.46	1	5	 	3
	127	16456.51	 	0.00	 	16456.51	16456.51	1	5	 	3
	128	0.00	 	45597.00	 	0.00	45597.00	1	5	 	3
	129	20000.00	0.00	5926.86	0.00	20000.00	25926.86	1	5	 	3
	130	16666.67	0.00	0.00	0.00	16666.67	16666.67	1	5	 	3
	131	22419.26	4359.74	0.00	0.00	26779.00	26779.00	1	5	 	3
	132	25000.00	0.00	0.00	0.00	25000.00	25000.00	1	5	 	3
	133	53894.00	12638.88	0.00	0.00	66532.88	66532.88	1	5	 	3
	134	8850.08	14999.98	0.00	0.00	23850.06	23850.06	1	5	 	3
	135	15666.67	0.00	0.00	0.00	15666.67	15666.67	1	5	 	3
	136	18333.33	0.00	0.00	0.00	18333.33	18333.33	1	5	 	3
	137	23554.00	35685.00	-5620.00	0.00	59239.00	53619.00	1	5	 	3
	138	17471.76	 	0.00	 	17471.76	17471.76	1	5	 	3
	139	3390.33	 	6736.00	 	3390.33	10126.33	1	5	 	3
	140	34430.00	 	-4655.00	 	34430.00	29775.00	1	5	 	3
	141	801359.00	 	-5254.00	 	801359.00	796105.00	1	5	 	3
	142	30869.13	 	0.00	 	30869.13	30869.13	1	5	 	3
	143	0.00	0.00	92621.00	0.00	0.00	92621.00	1	5	 	3
	144	20648.62	0.00	1173.17	0.00	20648.62	21821.79	1	5	 	3
	145	25025.00	0.00	0.00	0.00	25025.00	25025.00	1	5	 	3
	146	34932.00	 	-80.50	 	34932.00	34851.50	1	5	 	3
	147	10033.33	 	0.00	 	10033.33	10033.33	1	5	 	3
	148	69904.25	0.00	-2317.43	0.00	69904.25	67586.82	1	5	 	3
	149	17083.16	0.00	0.00	0.00	17083.16	17083.16	1	5	 	3
	150	12500.00	5925.25	0.00	0.00	18425.25	18425.25	1	5	 	3
	151	14102.40	0.00	0.00	0.00	14102.40	14102.40	1	5	 	3
	152	35250.00	0.00	0.00	0.00	35250.00	35250.00	1	5	 	3
	153	12916.67	0.00	0.00	0.00	12916.67	12916.67	1	5	 	3
	154	12745.00	 	679.00	 	12745.00	13424.00	1	5	 	3
	155	23750.00	6358.00	0.00	0.00	30108.00	30108.00	1	5	 	3
	156	31303.77	 	0.00	 	31303.77	31303.77	1	5	 	3
	157	15409.00	0.00	-1642.00	0.00	15409.00	13767.00	1	5	 	3
	158	33821.00	0.00	0.00	0.00	33821.00	33821.00	1	5	 	3
	159	56227.38	0.00	0.00	0.00	56227.38	56227.38	1	5	 	3
	160	22838.22	5368.00	0.00	0.00	28206.22	28206.22	1	5	 	3
	161	0.00	5000.00	11620.00	0.00	5000.00	16620.00	1	5	 	3
	162	40275.00	 	0.00	 	40275.00	40275.00	1	5	 	3
	163	18166.67	 	4158.67	 	18166.67	22325.34	1	5	 	3
	164	27016.71	0.00	0.00	0.00	27016.71	27016.71	1	5	 	3
	165	5385.00	146034.00	0.00	0.00	151419.00	151419.00	1	5	 	3
	166	22822.00	0.00	0.00	0.00	22822.00	22822.00	1	5	 	3
	167	5182.00	0.00	33998.00	0.00	5182.00	39180.00	1	5	 	3
	168	8375.00	10758.32	0.00	0.00	19133.32	19133.32	1	5	 	3
	169	37683.00	0.00	0.00	0.00	37683.00	37683.00	1	5	 	3
	170	12133.33	9200.00	560.33	0.00	21333.33	21893.66	1	5	 	3
	171	5416.66	8749.97	0.00	0.00	14166.63	14166.63	1	5	 	3
	172	29076.08	5050.00	0.00	0.00	34126.08	34126.08	1	5	 	3
	173	4409.99	0.00	18221.58	0.00	4409.99	22631.57	1	5	 	3
	174	15745.77	0.00	0.00	0.00	15745.77	15745.77	1	5	 	3
	175	74980.00	0.00	0.00	0.00	74980.00	74980.00	1	5	 	3
	176	7916.67	 	7201.44	 	7916.67	15118.11	1	5	 	3
	177	19916.00	13136.00	0.00	0.00	33052.00	33052.00	1	5	 	3
	178	20974.00	5458.00	-2245.00	0.00	26432.00	24187.00	1	5	 	3
	179	24967.60	24967.60	0.00	0.00	49935.20	49935.20	1	5	 	3
	180	17976.50	0.00	0.00	0.00	17976.50	17976.50	1	5	 	3
	181	22102.25	 	0.00	 	22102.25	22102.25	1	5	 	3
	182	1705.90	12514.00	-170.00	0.00	14219.90	14049.90	1	5	 	3
	183	23006.71	0.00	0.00	0.00	23006.71	23006.71	1	5	 	3
	184	14501.67	 	3129.00	 	14501.67	17630.67	1	5	 	3
	185	9833.34	1197.88	140.75	0.00	11031.22	11171.97	1	5	 	3
	186	0.00	12500.00	0.00	8333.33	12500.00	20833.33	1	5	 	3
	187	24915.50	0.00	0.00	0.00	24915.50	24915.50	1	5	 	3
	188	8698.21	15714.16	-1221.00	0.00	24412.37	23191.37	1	5	 	3
	189	16666.67	0.00	8333.33	0.00	16666.67	25000.00	1	5	 	3
	190	12043.00	0.00	0.00	0.00	12043.00	12043.00	1	5	 	3
	191	21327.00	0.00	0.00	0.00	21327.00	21327.00	1	5	 	3
	192	0.00	27527.00	0.00	0.00	27527.00	27527.00	1	5	 	3
	193	29625.50	 	-1227.31	 	29625.50	28398.19	1	5	 	3
	194	22500.00	 	0.00	 	22500.00	22500.00	1	5	 	3
	195	0.00	14998.53	26145.46	0.00	14998.53	41143.99	1	5	 	3
	196	11544.10	29211.67	0.00	0.00	40755.77	40755.77	1	5	 	3
	197	43396.44	6106.53	0.00	0.00	49502.97	49502.97	1	5	 	3
	198	79343.00	20616.66	0.00	0.00	99959.66	99959.66	1	5	 	3
	199	8817.32	 	0.00	 	8817.32	8817.32	1	5	 	3
	200	27916.67	0.00	0.00	0.00	27916.67	27916.67	1	5	 	3
	201	16210.46	0.00	0.00	0.00	16210.46	16210.46	1	5	 	3
	202	53526.00	0.00	0.00	0.00	53526.00	53526.00	1	5	 	3
	203	28833.33	0.00	0.00	0.00	28833.33	28833.33	1	5	 	3
	204	24530.00	24530.00	0.00	0.00	49060.00	49060.00	1	5	 	3
	205	24166.00	0.00	0.00	0.00	24166.00	24166.00	1	5	 	3
	206	9583.33	 	1472.26	 	9583.33	11055.59	1	5	 	3
	207	9000.00	5271.49	0.00	0.00	14271.49	14271.49	1	5	 	3

 

 

	 	111	112	113	114	115	116	117	118	119	120
	KEY	Co-Borrower
 Employment
 Verification	Borrower Asset
 Verification	Co-Borrower Asset
 Verification	Liquid / Cash
 Reserves	Monthly Debt All
 Borrowers	Originator DTI	Fully Indexed Rate	Qualification
 Method	Percentage of Down
 Payment from
 Borrower Own
 Funds	City
	1	 	4	 	57319.52	5398.98	0.2972	 	 	55.9033	Portland
	2	 	4	 	61899.59	4425.49	0.4448	 	 	100	El Dorado Hills
	3	 	4	 	149563.86	9720.75	0.2009	 	 	63.65	Petaluma
	4	 	4	 	199055.51	5301.17	0.2079	 	 	100	Seattle
	5	 	4	 	1073448.00	6432.81	0.2009	 	 	 	Lake Stevens
	6	 	4	 	169069.31	9999.26	0.4578	 	 	 	Auburn
	7	 	4	 	478201.14	12489.42	0.2960	 	 	100	Seattle
	8	 	4	 	152293.73	5553.62	0.2145	 	 	100	Seattle
	9	 	4	 	138336.42	6804.75	0.3225	 	 	 	Kirkland
	10	 	4	 	251267.20	4112.20	0.2127	 	 	 	Seattle
	11	 	4	 	293962.09	8076.58	0.4222	 	 	 	Manzanita
	12	 	4	 	46511.68	4456.69	0.3870	 	 	 	Moses Lake
	13	 	4	 	98689.89	5576.88	0.3174	 	 	100	Seattle
	14	 	4	 	325917.55	11275.74	0.4195	 	 	 	Salinas
	15	 	4	 	1039176.49	8761.59	0.4359	 	 	100	Seattle
	16	 	4	 	811648.07	6594.06	0.2266	 	 	 	Chicago
	17	 	4	 	148884.13	5524.74	0.3608	 	 	100	LIBERTYVILLE
	18	 	4	 	242869.02	7059.50	0.1473	 	 	 	CHAPEL HILL
	19	 	4	 	123367.32	4710.47	0.4629	 	 	 	ALBANY
	20	 	4	 	506689.20	19143.63	0.2069	 	 	 	MEQUON
	21	 	4	 	6144662.02	8111.13	0.3502	 	 	 	Malibu
	22	 	4	 	372972.70	7594.67	0.1899	 	 	100	Dallas
	23	 	4	 	1500071.60	18847.25	0.1951	 	 	 	Manhasset
	24	 	4	 	126749.92	5611.91	0.2696	 	 	 	Dallas
	25	 	4	 	167041.90	6776.29	0.3652	 	 	100	Newport Beach
	26	 	4	 	433438.73	9208.86	0.2215	 	 	100	Saint Johns
	27	 	4	 	142433.94	6471.28	0.3313	 	 	100	Dallas
	28	 	4	 	75506.00	5588.67	0.3456	 	 	 	GEORGETOWN
	29	 	4	 	298262.02	7468.44	0.3541	 	 	100	THE WOODLANDS
	30	 	4	 	253214.29	7913.17	0.3966	 	 	100	THE WOODLANDS
	31	 	4	 	372811.39	9615.58	0.2028	 	 	 	HOUSTON
	32	 	4	 	549404.78	10763.34	0.4389	 	 	100	CARMICHAEL
	33	 	4	 	1804609.83	4995.20	0.1627	 	 	100	CLAREMONT
	34	 	4	 	138907.22	6462.32	0.4036	 	 	100	SHERMAN OAKS
	35	 	4	 	146849.05	6010.98	0.2743	 	 	 	SAN JOSE
	36	 	4	 	347127.62	9536.15	0.3705	 	 	100	EL DORADO HILLS
	37	 	4	 	181897.75	7808.06	0.4329	 	 	100	EL DORADO HILLS
	38	 	4	 	742413.62	10814.72	0.3418	 	 	 	HUNTINGTON BEACH
	39	 	4	 	58403.44	8999.66	0.4509	 	 	 	EL CAJON
	40	 	4	 	437633.75	11361.89	0.4093	 	 	 	MIAMI BEACH
	41	 	4	 	78519.85	10825.24	0.4484	 	 	 	LOS ANGELES
	42	 	4	 	227300.62	14558.80	0.3109	 	 	 	LOS ANGELES
	43	 	4	 	258880.76	13594.01	0.3008	 	 	100	GREENSBORO
	44	 	4	 	129964.91	5512.88	0.3804	 	 	 	CARLSBAD
	45	 	4	 	355325.54	8139.95	0.3531	 	 	 	LOS GATOS
	46	 	4	 	185630.59	8901.23	0.3163	 	 	 	NORTH ANDOVER
	47	 	4	 	231928.49	6124.27	0.0887	 	 	 	GOLD RIVER
	48	 	4	 	166048.00	6635.89	0.3306	 	 	 	IRVINE
	49	 	4	 	298086.08	8787.96	0.3813	 	 	 	SAN DIEGO
	50	 	4	 	110973.36	13838.57	0.4177	 	 	 	CALABASAS
	51	 	4	 	1901501.64	10953.97	0.0670	 	 	 	DEL MAR
	52	 	4	 	195412.31	8360.64	0.3107	 	 	100	ATLANTA
	53	 	4	 	158368.95	13935.96	0.3075	 	 	100	LA CANADA FLINTRIDGE
	54	 	4	 	54584.55	6377.48	0.4043	 	 	 	FORT WALTON BEACH
	55	 	4	 	110931.00	4710.84	0.3343	 	 	 	SAN DIEGO
	56	 	4	 	518844.47	6559.69	0.2966	 	 	 	ARCADIA
	57	 	4	 	418560.11	5274.38	0.2855	 	 	 	COCKEYSVILLE
	58	 	4	 	469094.22	10889.40	0.0775	 	 	 	HUNTINGTON BEACH
	59	 	4	 	658360.36	7167.96	0.3186	 	 	100	MIAMI
	60	 	4	 	391877.81	3966.04	0.2209	 	 	 	EUGENE
	61	 	4	 	99611.99	9147.75	0.3164	 	 	 	RANCHO PALOS VERDES
	62	 	4	 	201607.78	6759.71	0.3108	 	 	 	YORBA LINDA
	63	 	4	 	324143.26	5567.52	0.3115	 	 	99.73	MOORPARK
	64	 	4	 	90605.90	6044.27	0.4086	 	 	 	GIG HARBOR
	65	 	4	 	173175.80	9283.84	0.4496	 	 	100	LA JOLLA
	66	 	4	 	524893.61	5646.01	0.3788	 	 	100	BRECKSVILLE
	67	 	4	 	103922.00	7550.27	0.4286	 	 	100	CLYDE HILL
	68	 	4	 	334263.57	7223.59	0.4417	 	 	100	MONKTON
	69	 	4	 	383870.03	6849.52	0.1034	 	 	100	Scottsdale
	70	 	4	 	1828861.56	18763.31	0.3716	 	 	100	Los Altos
	71	 	4	 	3405188.40	24832.32	0.0898	 	 	 	Boulder
	72	 	4	 	191426.76	5512.99	0.2895	 	 	94.8757	Boulder
	73	 	4	 	485333.77	9283.64	0.3876	 	 	100	Boulder
	74	 	4	 	56431.12	6460.23	0.2393	 	 	 	houston
	75	 	4	 	298510.93	9610.18	0.2223	 	 	 	SUAMICO
	76	 	4	 	872220.00	11333.84	0.3954	 	 	 	NAPLES
	77	 	4	 	75241.63	5361.81	0.1903	 	 	 	NAPLES
	78	 	4	 	123746.03	6823.13	0.3639	 	 	100	Fort Lauderdale
	79	 	4	 	239849.27	6136.03	0.2816	 	 	100	Bellaire
	80	 	4	 	234497.21	6386.20	0.4571	 	 	 	Los Gatos
	81	 	4	 	53114.26	7178.24	0.2501	 	 	 	Bryan
	82	 	4	 	1235943.19	8949.85	0.0362	 	 	 	San Luis Obispo
	83	 	4	 	230772.47	5054.30	0.2022	 	 	 	libertyville
	84	 	4	 	56763.25	8660.16	0.4274	 	 	100	davie
	85	 	4	 	888833.97	8040.96	0.2764	 	 	100	Palm Springs
	86	 	4	 	129518.96	7102.99	0.3390	 	 	 	SYRACUSE
	87	 	4	 	174375.39	3977.69	0.3978	 	 	 	Chelan
	88	 	4	 	127579.76	7322.63	0.4006	 	 	100	PORTLAND
	89	 	3	 	170552.95	12838.26	0.1331	 	 	100	SALT LAKE CITY
	90	 	4	 	173689.23	4630.48	0.2209	 	 	100	BERLIN
	91	 	4	 	258328.45	12247.06	0.3299	 	 	100	Fullerton
	92	 	4	 	562533.57	4171.33	0.2923	 	 	 	RICHMOND
	93	 	4	 	68342.13	5936.18	0.4434	 	 	 	ARLINGTON
	94	 	4	 	191030.39	5548.40	0.4346	 	 	 	Thousand Oaks
	95	 	4	 	437190.65	14124.15	0.3560	 	 	 	ROLLING HILLS
	96	 	4	 	111073.07	10137.47	0.2718	 	 	100	Loomis
	97	 	4	 	78167.63	4178.51	0.4332	 	 	 	Lexington
	98	 	4	 	115744.72	5454.22	0.4014	 	 	 	SPRING
	99	 	4	 	243471.86	12452.88	0.4190	 	 	 	LAS VEGAS
	100	 	4	 	5338011.75	20869.26	0.2385	 	 	 	WEST BLOOMFIELD
	101	 	4	 	84631.00	7137.60	0.3772	 	 	 	HOUSTON
	102	 	4	 	175953.00	6481.81	0.3141	 	 	 	CORONA
	103	 	4	 	385852.51	9473.74	0.3791	 	 	100	SANTA MONICA
	104	 	4	 	48208.15	5138.76	0.1671	 	 	100	COEUR D ALENE
	105	 	4	 	167382.41	7155.16	0.1587	 	 	 	WEST HOLLYWOOD
	106	 	4	 	156636.07	7155.00	0.2961	 	 	100	SCOTTSDALE
	107	 	4	 	107597.74	5812.46	0.2447	 	 	 	WESTPORT
	108	 	4	 	121047.62	8831.26	0.4203	 	 	100	TARZANA
	109	 	4	 	71656.87	5979.38	0.3883	 	 	62.0168	NEWPORT BEACH
	110	 	4	 	1306592.36	6737.41	0.4334	 	 	 	Littleton
	111	 	4	 	43794.09	4661.49	0.4144	 	 	100	Olathe
	112	 	4	 	71294.00	6013.35	0.4863	 	 	 	Hermosa Beach
	113	 	4	 	45158.16	5080.42	0.2257	 	 	 	Atlanta
	114	 	4	 	59806.58	12301.74	0.3578	 	 	100	Las Vegas
	115	 	4	 	212951.53	6528.04	0.3418	 	 	 	Beverly Hills
	116	 	4	 	218925.06	6470.80	0.4222	 	 	95.6318	Dallas
	117	 	4	 	224362.99	4878.90	0.1700	 	 	 	University Park
	118	 	4	 	362524.38	5200.91	0.2269	 	 	 	dallas
	119	 	4	 	182533.51	9696.74	0.4424	 	 	100	Dallas
	120	 	4	 	244866.54	8484.79	0.2972	 	 	100	DALLAS
	121	 	4	 	9767692.18	12430.26	0.3944	 	 	100	Dallas
	122	 	4	 	121294.00	5169.08	0.2729	 	 	 	DADEVILLE
	123	 	4	 	245737.59	6729.14	0.2082	 	 	100	fairfield
	124	 	4	 	115355.69	6265.48	0.2999	 	 	100	tampa
	125	 	4	 	48254.73	5064.95	0.4385	 	 	100	BIRMINGHAM
	126	 	4	 	195085.16	14057.47	0.1801	 	 	100	BLOOMFIELD HILLS
	127	 	4	 	118518.51	5284.25	0.3211	 	 	100	LAS VEGAS
	128	 	4	 	263228.73	15220.78	0.3338	 	 	100	SAN ANTONIO
	129	 	4	 	1995341.58	11907.92	0.4593	 	 	100	DALLAS
	130	 	4	 	493778.82	7074.85	0.4245	 	 	 	DALLAS
	131	 	4	 	59794.10	9018.90	0.3400	 	 	100	New York
	132	 	4	 	413340.93	7995.88	0.3198	 	 	98.1425	Westfield
	133	 	4	 	353278.15	7293.60	0.1096	 	 	 	Stamford
	134	 	4	 	120547.69	6654.83	0.2790	 	 	9.8878	Riverside
	135	 	4	 	258379.48	4212.13	0.2689	 	 	100	FAIR OAKS RANCH
	136	 	4	 	424662.90	5645.42	0.3079	 	 	100	BOERNE
	137	 	4	 	1177393.62	9050.14	0.1688	 	 	100	SCOTTSDALE
	138	 	4	 	211546.33	7262.49	0.4157	 	 	100	CARY
	139	 	4	 	235173.06	4555.26	0.4498	 	 	 	DALLAS
	140	 	4	 	126083.00	9712.37	0.3262	 	 	 	FORT LAUDERDALE
	141	 	4	 	9591997.64	16939.52	0.0213	 	 	100	GREENWICH
	142	 	4	 	196215.08	9440.00	0.3058	 	 	 	STATEN ISLAND
	143	 	4	 	1266397.50	11826.13	0.1277	 	 	100	MIDLAND
	144	 	4	 	2118145.71	7838.58	0.3592	 	 	 	BALTIMORE
	145	 	4	 	2692600.01	8311.85	0.3321	 	 	100	COCKEYSVILLE
	146	 	4	 	125757.96	6450.63	0.1851	 	 	0	DANVILLE
	147	 	4	 	154873.63	4097.19	0.4084	 	 	 	SAN DIEGO
	148	 	4	 	1001184.40	9722.57	0.1439	 	 	100	MIRAMAR BEACH
	149	 	4	 	141872.17	4746.21	0.2778	 	 	 	WINCHESTER
	150	 	4	 	180563.33	5758.83	0.3126	 	 	100	CORONA
	151	 	4	 	523863.57	4986.99	0.3536	 	 	100	SAN DIEGO
	152	 	4	 	174516.23	13544.32	0.3842	 	 	 	HERMOSA BEACH
	153	 	4	 	436013.33	5747.34	0.4450	 	 	100	LA CANADA FLINTRIDGE
	154	 	4	 	38155.75	5257.90	0.3917	 	 	 	HENDERSONVILLE
	155	 	4	 	176857.00	8063.46	0.2678	 	 	 	HUNTINGTON BEACH
	156	 	4	 	47513.86	7011.61	0.2240	 	 	 	MASON
	157	 	4	 	54515.87	5997.51	0.4356	 	 	60.4502	REDDING
	158	 	4	 	1124121.85	10235.66	0.3026	 	 	 	CHADDS FORD
	159	 	4	 	718116.61	6931.82	0.1233	 	 	 	SOUTHLAKE
	160	 	4	 	657402.30	11025.30	0.3909	 	 	 	HOUSTON
	161	 	4	 	69525.76	6765.45	0.4071	 	 	43.0527	AUSTIN
	162	 	4	 	167307.26	7692.48	0.1910	 	 	100	FRISCO
	163	 	4	 	106351.20	8341.86	0.3737	 	 	 	COLLEYVILLE
	164	 	4	 	193220.70	8042.55	0.2977	 	 	 	SOUTHLAKE
	165	 	3	 	199657.57	15324.66	0.1012	 	 	 	NASHVILLE
	166	 	4	 	47546.00	6848.27	0.3001	 	 	 	LOOMIS
	167	 	4	 	248394.38	5050.81	0.1289	 	 	 	SPOKANE
	168	 	4	 	192093.76	4123.77	0.2155	 	 	100	SAN DIEGO
	169	 	4	 	162491.18	7834.90	0.2079	 	 	100	HOUSTON
	170	 	4	 	84014.68	8161.02	0.3728	 	 	 	HOUSTON
	171	 	4	 	536101.32	5835.50	0.4119	 	 	 	ATLANTA
	172	 	4	 	120897.12	7809.92	0.2289	 	 	 	HIGHLAND PARK
	173	 	4	 	433981.49	9752.08	0.4309	 	 	 	UNIVERSITY PARK
	174	 	4	 	184501.89	5747.80	0.3650	 	 	100	SIERRA MADRE
	175	 	4	 	576431.29	10910.26	0.1455	 	 	100	Manhattan Beach
	176	 	4	 	199689.00	5642.55	0.3700	 	 	100	Chattanooga
	177	 	4	 	440644.36	11333.76	0.3429	 	 	 	Holladay
	178	 	4	 	755740.49	10025.10	0.4145	 	 	100	San Marcos
	179	 	4	 	340759.27	7065.80	0.1415	 	 	100	Seattle
	180	 	4	 	361071.82	3810.05	0.2119	 	 	100	SEATTLE
	181	 	4	 	133430.02	8676.99	0.3926	 	 	78.1141	SAINT JOHNS
	182	 	4	 	215163.05	4618.85	0.3287	 	 	 	QUEENSTOWN
	183	 	4	 	233101.99	9967.15	0.4332	 	 	 	THE WOODLANDS
	184	 	4	 	109421.28	7921.67	0.4493	 	 	100	THE WOODLANDS
	185	 	4	 	192139.85	5385.52	0.4821	 	 	100	JUPITER
	186	 	4	 	141904.99	5399.12	0.2592	 	 	100	LOS GATOS
	187	 	4	 	49573.71	7518.05	0.3017	 	 	 	DALLAS
	188	 	4	 	206023.75	7046.40	0.3038	 	 	 	GARDEN RIDGE
	189	 	4	 	169875.55	7063.90	0.2826	 	 	 	UNIVERSITY PARK
	190	 	4	 	58084.33	4809.10	0.3993	 	 	 	UNIVERSITY PARK
	191	 	4	 	85768.10	9036.98	0.4237	 	 	 	FRISCO
	192	 	4	 	79208.35	5982.66	0.2173	 	 	100	DALLAS
	193	 	4	 	225513.51	11865.90	0.4178	 	 	 	LAGUNA BEACH
	194	 	4	 	320372.58	4515.57	0.2007	 	 	100	ALBUQUERQUE
	195	 	4	 	110319.33	8505.74	0.2067	 	 	 	GLENCOE
	196	 	4	 	88885.46	6493.17	0.1593	 	 	 	HINSDALE
	197	 	4	 	852355.12	7198.67	0.1454	 	 	100	HINSDALE
	198	 	4	 	774520.61	18957.55	0.1897	 	 	100	AUSTIN
	199	 	4	 	190666.40	3585.11	0.4066	 	 	 	AUSTIN
	200	 	4	 	250190.04	10081.09	0.3611	 	 	 	Fairfax
	201	 	4	 	151957.99	7180.76	0.4430	 	 	 	Bethesda
	202	 	4	 	68901.20	12347.00	0.2307	 	 	100	PARADISE VALLEY
	203	 	4	 	112920.80	6012.38	0.2085	 	 	100	Rexburg
	204	 	4	 	889431.66	13506.22	0.2753	 	 	100	LAGUNA NIGUEL
	205	 	4	 	367067.13	5748.12	0.2379	 	 	 	Essex Fells
	206	 	4	 	29746.35	4329.76	0.3916	 	 	100	Boulder
	207	 	4	 	37950.80	6052.05	0.4241	 	 	100	DALLAS

 

	 	121	122	123	124	125	126	127	128	129	130
	KEY	State	Postal Code	Property Type	Occupancy	Sales Price	Original Appraised
 Property Value	Original Property
 Valuation Type	Original Property
 Valuation Date	Original Automated
 Valuation Model
 (AVM) Model Name	Original AVM
 Confidence Score
	1	OR	97213	1	1	725000.00	735000.00	3	20120209	 	 
	2	CA	95762	7	1	689999.00	690000.00	3	20120314	 	 
	3	CA	94952	1	1	1275100.00	1275000.00	3	20120323	 	 
	4	WA	98112	1	1	975000.00	1000000.00	3	20120204	 	 
	5	WA	98258	1	1	 	1050000.00	3	20111215	 	 
	6	WA	98092	7	1	 	950000.00	3	20120106	 	 
	7	WA	98112	1	1	1100000.00	1100000.00	3	20120212	 	 
	8	WA	98105	1	1	825000.00	830000.00	3	20120202	 	 
	9	WA	98033	1	1	 	1275000.00	3	20120320	 	 
	10	WA	98112	1	1	 	990000.00	3	20120311	 	 
	11	OR	97130	1	2	 	960000.00	3	20120308	 	 
	12	WA	98837	1	1	 	645000.00	3	20120308	 	 
	13	WA	98119	1	1	1033000.00	1085000.00	3	20120308	 	 
	14	CA	93908	1	1	 	1325000.00	3	20120131	 	 
	15	WA	98103	1	1	1009000.00	1010000.00	3	20120316	 	 
	16	IL	60618	1	1	 	1100000.00	3	20111006	 	 
	17	IL	60048	7	1	925000.00	925000.00	3	20111029	 	 
	18	NC	27514	7	1	 	1268800.00	3	20111214	 	 
	19	OR	97322	1	1	 	605000.00	3	20120227	 	 
	20	WI	53092	1	1	 	1600000.00	3	20120117	 	 
	21	CA	90265	1	1	 	9000000.00	3	20111226	 	 
	22	TX	75229	1	1	1050000.00	1087000.00	3	20120210	 	 
	23	NY	11030	1	1	 	2350000.00	3	20120316	 	 
	24	TX	75205	1	1	 	1054000.00	3	20120215	 	 
	25	CA	92663	1	1	1130000.00	1130000.00	3	20120306	 	 
	26	FL	32259	7	1	1200000.00	1000000.00	3	20120312	 	 
	27	TX	75225	1	1	893000.00	895000.00	3	20120409	 	 
	28	TX	78628	1	1	 	800000.00	3	20120227	 	 
	29	TX	77380	7	1	670000.00	678000.00	3	20120117	 	 
	30	TX	77381	7	1	825000.00	843000.00	3	20120210	 	 
	31	TX	77024	7	1	 	1270000.00	3	20120206	 	 
	32	CA	95608	1	1	1650000.00	1650000.00	3	20120312	 	 
	33	CA	91711	1	1	1500000.00	1500000.00	3	20120312	 	 
	34	CA	91423	1	1	807000.00	900000.00	3	20120228	 	 
	35	CA	95124	1	1	 	1090000.00	3	20120309	 	 
	36	CA	95762	1	1	805000.00	808000.00	3	20120321	 	 
	37	CA	95762	1	1	740000.00	740000.00	3	20120411	 	 
	38	CA	92649	1	1	 	2100000.00	3	20120208	 	 
	39	CA	92020	1	1	 	1500000.00	3	20111206	 	 
	40	FL	33141	7	1	 	2000000.00	3	20111219	 	 
	41	CA	90077	1	1	 	1250000.00	3	20120114	 	 
	42	CA	90077	7	1	 	3650000.00	3	20120112	 	 
	43	GA	30642	1	2	999999.00	1183000.00	3	20111223	 	 
	44	CA	92008	1	1	 	970000.00	3	20120103	 	 
	45	CA	95030	1	1	 	2124000.00	3	20120116	 	 
	46	MA	01845	1	1	 	1800000.00	3	20120111	 	 
	47	CA	95670	7	1	 	725000.00	3	20120116	 	 
	48	CA	92603	7	1	 	1300000.00	3	20120222	 	 
	49	CA	92101	3	1	 	1050000.00	98	20120227	 	 
	50	CA	91302	7	1	 	2100000.00	3	20120201	 	 
	51	CA	92014	1	2	 	1850000.00	3	20120117	 	 
	52	GA	30327	1	1	925000.00	925000.00	3	20120201	 	 
	53	CA	91011	1	1	1875000.00	1875000.00	3	20120208	 	 
	54	FL	32547	1	1	 	1066000.00	3	20120209	 	 
	55	CA	92109	1	1	 	1150000.00	3	20120207	 	 
	56	CA	91007	1	1	 	1200000.00	3	20120309	 	 
	57	MD	21030	1	1	 	2800000.00	3	20120313	 	 
	58	CA	92648	7	1	 	2200000.00	3	20120302	 	 
	59	FL	33156	1	1	995000.00	1000000.00	3	20120319	 	 
	60	OR	97405	7	1	 	775000.00	3	20120416	 	 
	61	CA	90275	1	1	 	1500000.00	3	20120320	 	 
	62	CA	92887	1	1	 	1350000.00	3	20120315	 	 
	63	CA	93021	7	1	1085000.00	1085000.00	3	20120314	 	 
	64	WA	98335	1	1	 	920000.00	3	20120405	 	 
	65	CA	92037	1	1	1075000.00	1075000.00	3	20120316	 	 
	66	OH	44141	7	1	710000.00	710000.00	3	20120406	 	 
	67	WA	98004	1	1	1100000.00	1102000.00	3	20120419	 	 
	68	MD	21111	1	1	850000.00	845000.00	3	20120319	 	 
	69	AZ	85255	7	2	1475000.00	1475000.00	3	20120221	 	 
	70	CA	94024	1	1	2375000.00	2545000.00	3	20120411	 	 
	71	CO	80302	1	1	 	1800000.00	3	20120216	 	 
	72	CO	80304	1	1	1365000.00	1450000.00	3	20120306	 	 
	73	CO	80304	1	1	1070000.00	1070000.00	3	20120309	 	 
	74	TX	77055	1	1	 	910000.00	3	20120308	 	 
	75	WI	54173	1	1	 	1774500.00	3	20120122	 	 
	76	FL	34110	4	1	 	2000000.00	98	20120204	 	 
	77	FL	34102	1	1	 	1330000.00	3	20120222	 	 
	78	FL	33304	1	1	900000.00	930000.00	3	20120409	 	 
	79	TX	77401	1	1	795000.00	795000.00	3	20120413	 	 
	80	CA	95030	1	1	 	1400000.00	3	20120213	 	 
	81	TX	77802	7	1	 	905000.00	3	20120306	 	 
	82	CA	93405	1	1	 	1650000.00	3	20120208	 	 
	83	IL	60048	1	1	 	810000.00	3	20120309	 	 
	84	FL	33328	7	1	691000.00	700000.00	3	20120326	 	 
	85	CA	92262	1	2	914000.00	915000.00	3	20120305	 	 
	86	IN	46567	1	1	 	1850000.00	3	20120216	 	 
	87	WA	98816	1	1	 	795000.00	3	20120127	 	 
	88	OR	97201	1	1	836900.00	860000.00	3	20120127	 	 
	89	UT	84108	1	2	1100000.00	1136000.00	3	20120131	 	 
	90	CT	06037	1	1	579900.00	580000.00	3	20120123	 	 
	91	CA	92831	1	1	2068000.00	2068000.00	3	20120217	 	 
	92	VA	23226	1	1	 	1035000.00	3	20120126	 	 
	93	VA	22207	1	1	 	1245000.00	3	20120207	 	 
	94	CA	91320	7	1	 	840000.00	3	20120201	 	 
	95	CA	90274	1	1	 	2795000.00	3	20120213	 	 
	96	CA	95746	7	1	1150000.00	1150000.00	3	20120229	 	 
	97	MA	02420	1	1	 	1200000.00	3	20120326	 	 
	98	TX	77386	7	1	 	758000.00	3	20120302	 	 
	99	NV	89135	7	1	 	1703484.00	3	20120327	 	 
	100	MI	48323	1	1	 	1600000.00	3	20120413	 	 
	101	TX	77027	1	1	 	1290000.00	3	20120319	 	 
	102	CA	92881	7	1	 	705000.00	3	20120310	 	 
	103	CA	90405	1	1	895000.00	1000000.00	3	20120316	 	 
	104	ID	83814	7	1	560000.00	560000.00	3	20120405	 	 
	105	CA	90046	1	1	 	2000000.00	3	20120330	 	 
	106	AZ	85259	7	1	865000.00	865000.00	3	20120329	 	 
	107	CT	06880	1	1	 	1550000.00	3	20120404	 	 
	108	CA	91356	1	1	885000.00	885000.00	3	20120404	 	 
	109	CA	92660	1	1	942000.00	950000.00	3	20120405	 	 
	110	CO	80127	1	1	 	892000.00	3	20120322	 	 
	111	KS	66061	7	1	625000.00	630000.00	3	20120418	 	 
	112	CA	90254	1	1	 	1425000.00	3	20120424	 	 
	113	GA	30327	7	1	 	850000.00	3	20120423	 	 
	114	NV	89144	7	1	955000.00	1100000.00	3	20120421	 	 
	115	CA	90210	1	1	 	1115000.00	3	20120308	 	 
	116	TX	75225	1	1	1475000.00	1500000.00	3	20120309	 	 
	117	TX	75225	1	1	 	1200000.00	3	20120417	 	 
	118	TX	75225	1	1	 	1050000.00	3	20120229	 	 
	119	TX	75219	4	1	808350.00	809000.00	3	20120319	 	 
	120	TX	75225	1	1	1350000.00	1350000.00	3	20120402	 	 
	121	TX	75209	1	1	3200000.00	3200000.00	3	20120423	 	 
	122	AL	36853	1	1	 	880000.00	3	20120201	 	 
	123	CT	06824	1	1	945000.00	950000.00	3	20120204	 	 
	124	FL	33629	1	1	670000.00	763500.00	3	20120203	 	 
	125	MI	48009	1	1	750000.00	750000.00	3	20120323	 	 
	126	MI	48301	1	1	1875000.00	1875000.00	3	20120313	 	 
	127	NV	89135	7	1	575000.00	578000.00	3	20120316	 	 
	128	TX	78209	1	1	1300000.00	1400000.00	3	20120117	 	 
	129	TX	75225	1	1	1100000.00	1185000.00	3	20120308	 	 
	130	TX	75209	1	1	 	980000.00	3	20120320	 	 
	131	NY	10012	2	1	1125000.00	1200000.00	3	20120217	 	 
	132	NJ	07090	1	1	1290000.00	1290000.00	3	20120326	 	 
	133	CT	06903	1	1	 	1150000.00	3	20120217	 	 
	134	CT	06878	1	1	1200000.00	1200000.00	3	20120224	 	 
	135	TX	78015	7	1	675000.00	675000.00	3	20120222	 	 
	136	TX	78006	7	1	835000.00	850000.00	3	20120306	 	 
	137	AZ	85266	7	1	740000.00	742000.00	3	20111130	 	 
	138	NC	27511	7	1	700000.00	720000.00	3	20111012	 	 
	139	TX	75218	1	1	 	1050000.00	3	20120228	 	 
	140	FL	33301	1	1	 	1250000.00	3	20120205	 	 
	141	CT	06830	3	3	2500000.00	2500000.00	3	20120130	 	 
	142	NY	10304	1	1	 	1800000.00	3	20120125	 	 
	143	TX	79705	1	1	1266250.00	1275000.00	3	20120112	 	 
	144	MD	21212	3	1	 	1070000.00	3	20120107	 	 
	145	MD	21030	1	1	1995000.00	2000000.00	3	20120315	 	 
	146	CA	94526	1	1	 	1175000.00	3	20110824	 	 
	147	CA	92122	7	1	 	930000.00	3	20120218	 	 
	148	FL	32550	3	2	1550000.00	1550000.00	3	20120221	 	 
	149	MA	01890	1	1	 	795000.00	3	20120126	 	 
	150	CA	92881	1	1	750000.00	750000.00	3	20120131	 	 
	151	CA	92130	7	1	1125000.00	1125000.00	3	20120316	 	 
	152	CA	90254	1	1	 	2215000.00	3	20120225	 	 
	153	CA	91011	1	1	950000.00	950000.00	3	20120319	 	 
	154	TN	37075	1	1	 	805000.00	3	20111110	 	 
	155	CA	92648	7	1	 	1400000.00	3	20111221	 	 
	156	OH	45040	7	1	 	1100000.00	3	20120128	 	 
	157	CA	96001	1	1	875000.00	875000.00	3	20111209	 	 
	158	PA	19317	1	1	 	850000.00	3	20120216	 	 
	159	TX	76092	7	1	 	1103000.00	3	20120224	 	 
	160	TX	77024	7	1	 	1425000.00	3	20120215	 	 
	161	TX	78746	1	1	838235.00	840000.00	3	20120208	 	 
	162	TX	75033	7	1	650000.00	655000.00	3	20120321	 	 
	163	TX	76034	7	1	 	770000.00	3	20120405	 	 
	164	TX	76092	7	1	 	1235000.00	3	20120220	 	 
	165	TN	37215	7	1	 	770000.00	3	20110321	 	 
	166	CA	95650	7	1	 	1029224.00	3	20120127	 	 
	167	WA	99223	1	1	 	860000.00	3	20120131	 	 
	168	CA	92107	1	1	849900.00	860000.00	3	20120223	 	 
	169	TX	77005	1	1	1365000.00	1365000.00	3	20120316	 	 
	170	TX	77025	1	1	 	978500.00	3	20120211	 	 
	171	GA	30342	1	1	 	1556000.00	3	20120215	 	 
	172	TX	75205	1	1	 	1680000.00	3	20120202	 	 
	173	TX	75225	1	1	 	2300000.00	3	20120328	 	 
	174	CA	91024	1	1	987000.00	990000.00	3	20120309	 	 
	175	CA	90266	1	1	1998000.00	1998000.00	3	20120221	 	 
	176	TN	37405	1	1	887000.00	925000.00	3	20120404	 	 
	177	UT	84121	1	1	 	1600000.00	3	20120305	 	 
	178	CA	92069	7	1	900000.00	875000.00	3	20120309	 	 
	179	WA	98125	1	1	1235000.00	1235000.00	3	20120330	 	 
	180	WA	98109	1	1	854000.00	860000.00	3	20120307	 	 
	181	FL	32259	7	1	963749.00	970000.00	3	20120302	 	 
	182	MD	21658	7	1	 	850000.00	3	20111208	 	 
	183	TX	77381	7	1	 	1220000.00	3	20120224	 	 
	184	TX	77382	7	1	788580.00	800000.00	3	20120308	 	 
	185	FL	33458	7	1	627165.00	650000.00	3	20120409	 	 
	186	CA	95030	1	1	1540000.00	1540000.00	3	20120312	 	 
	187	TX	75205	1	1	 	1500000.00	3	20120306	 	 
	188	TX	78266	7	1	 	665000.00	3	20111117	 	 
	189	TX	75225	1	1	 	1265000.00	3	20120216	 	 
	190	TX	75225	1	1	 	895000.00	3	20120221	 	 
	191	TX	75034	7	1	 	1180000.00	3	20120124	 	 
	192	TX	75230	1	1	840000.00	800000.00	3	20120215	 	 
	193	CA	92654	1	1	 	5000000.00	3	20120206	 	 
	194	NM	87111	7	1	1275000.00	1300000.00	3	20120126	 	 
	195	IL	60022	1	1	 	1365000.00	3	20111207	 	 
	196	IL	60521	1	1	 	1150000.00	3	20120308	 	 
	197	IL	60521	1	1	1195000.00	1195000.00	3	20120419	 	 
	198	TX	78701	4	1	1107150.00	1200000.00	3	20120322	 	 
	199	TX	78733	7	1	 	695000.00	3	20120402	 	 
	200	VA	22032	1	1	 	1000000.00	3	20120313	 	 
	201	MD	20817	1	1	 	1222000.00	3	20120314	 	 
	202	AZ	85253	7	1	1300000.00	1300000.00	3	20120330	 	 
	203	ID	83440	7	2	625000.00	640000.00	3	20120501	 	 
	204	CA	92677	6	1	2300000.00	2300000.00	3	20120308	 	 
	205	NJ	07021	1	1	 	1235000.00	3	20120406	 	 
	206	CO	80305	1	1	827300.00	830000.00	3	20120412	 	 
	207	TX	75205	1	1	727500.00	727500.00	3	20120427	 	 

 

	 	131	132	133	134	135	136	137	138	139	140
	KEY	Most Recent
 Property Value2	Most Recent
 Property Valuation
 Type	Most Recent
 Property Valuation
 Date	Most Recent AVM
 Model Name	Most Recent AVM
 Confidence Score	Original CLTV	Original LTV	Original Pledged
 Assets	Mortgage Insurance
 Company Name	Mortgage Insurance
 Percent
	1	 	 	 	 	 	0.8000	0.8000	0	0	0
	2	 	 	 	 	 	0.7500	0.7500	0	0	0
	3	 	 	 	 	 	0.7843	0.7843	0	0	0
	4	 	 	 	 	 	0.8000	0.8000	0	0	0
	5	 	 	 	 	 	0.7500	0.7500	0	0	0
	6	 	 	 	 	 	0.7273	0.7273	0	0	0
	7	 	 	 	 	 	0.8000	0.8000	0	0	0
	8	 	 	 	 	 	0.8000	0.8000	0	0	0
	9	 	 	 	 	 	0.6145	0.6145	0	0	0
	10	 	 	 	 	 	0.5872	0.5872	0	0	0
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	15	 	 	 	 	 	0.8000	0.8000	0	0	0
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	31	 	 	 	 	 	0.7500	0.7500	0	0	0
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	33	 	 	 	 	 	0.5000	0.5000	0	0	0
	34	 	 	 	 	 	0.8000	0.8000	0	0	0
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	36	 	 	 	 	 	0.8000	0.8000	0	0	0
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	40	 	 	 	 	 	0.6000	0.6000	0	0	0
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	43	 	 	 	 	 	0.7499	0.7499	0	0	0
	44	 	 	 	 	 	0.8000	0.8000	0	0	0
	45	 	 	 	 	 	0.5628	0.5628	0	0	0
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	52	 	 	 	 	 	0.8000	0.8000	0	0	0
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	59	 	 	 	 	 	0.7500	0.7500	0	0	0
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	63	 	 	 	 	 	0.6500	0.6500	0	0	0
	64	 	 	 	 	 	0.8000	0.8000	0	0	0
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	67	 	 	 	 	 	0.8000	0.8000	0	0	0
	68	 	 	 	 	 	0.8000	0.8000	0	0	0
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	70	 	 	 	 	 	0.7000	0.7000	0	0	0
	71	 	 	 	 	 	0.5500	0.5500	0	0	0
	72	 	 	 	 	 	0.6703	0.6703	0	0	0
	73	 	 	 	 	 	0.8000	0.8000	0	0	0
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	78	 	 	 	 	 	0.7500	0.7500	0	0	0
	79	 	 	 	 	 	0.8000	0.8000	0	0	0
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	83	 	 	 	 	 	0.8000	0.8000	0	0	0
	84	 	 	 	 	 	0.8000	0.8000	0	0	0
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	89	 	 	 	 	 	0.7500	0.7500	0	0	0
	90	 	 	 	 	 	0.8000	0.8000	0	0	0
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	92	 	 	 	 	 	0.6019	0.6019	0	0	0
	93	 	 	 	 	 	0.5903	0.5903	0	0	0
	94	 	 	 	 	 	0.8000	0.8000	0	0	0
	95	 	 	 	 	 	0.6937	0.6937	0	0	0
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	101	 	 	 	 	 	0.7183	0.7183	0	0	0
	102	 	 	 	 	 	0.8000	0.8000	0	0	0
	103	 	 	 	 	 	0.8000	0.8000	0	0	0
	104	 	 	 	 	 	0.8000	0.8000	0	0	0
	105	 	 	 	 	 	0.3775	0.3775	0	0	0
	106	 	 	 	 	 	0.8000	0.8000	0	0	0
	107	 	 	 	 	 	0.5600	0.5600	0	0	0
	108	 	 	 	 	 	0.8000	0.8000	0	0	0
	109	 	 	 	 	 	0.8000	0.8000	0	0	0
	110	 	 	 	 	 	0.5605	0.5605	0	0	0
	111	 	 	 	 	 	0.8000	0.8000	0	0	0
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	119	 	 	 	 	 	0.8000	0.8000	0	0	0
	120	 	 	 	 	 	0.8000	0.8000	0	0	0
	121	 	 	 	 	 	0.3125	0.3125	0	0	0
	122	 	 	 	 	 	0.7948	0.7948	0	0	0
	123	 	 	 	 	 	0.8000	0.8000	0	0	0
	124	 	 	 	 	 	0.8000	0.8000	0	0	0
	125	 	 	 	 	 	0.7500	0.7500	0	0	0
	126	 	 	 	 	 	0.7000	0.7000	0	0	0
	127	 	 	 	 	 	0.8000	0.8000	0	0	0
	128	 	 	 	 	 	0.7000	0.7000	0	0	0
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	134	 	 	 	 	 	0.6458	0.6458	0	0	0
	135	 	 	 	 	 	0.8000	0.8000	0	0	0
	136	 	 	 	 	 	0.8000	0.8000	0	0	0
	137	 	 	 	 	 	0.7500	0.7500	0	0	0
	138	 	 	 	 	 	0.8000	0.8000	0	0	0
	139	 	 	 	 	 	0.7000	0.7000	0	0	0
	140	 	 	 	 	 	0.5800	0.5800	0	0	0
	141	 	 	 	 	 	0.6000	0.6000	0	0	0
	142	 	 	 	 	 	0.7500	0.7500	0	0	0
	143	 	 	 	 	 	0.7834	0.7834	0	0	0
	144	 	 	 	 	 	0.6855	0.6855	0	0	0
	145	 	 	 	 	 	0.5012	0.5012	0	0	0
	146	 	 	 	 	 	0.8000	0.8000	0	0	0
	147	 	 	 	 	 	0.6483	0.6483	0	0	0
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	149	 	 	 	 	 	0.7893	0.7893	0	0	0
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	151	 	 	 	 	 	0.5333	0.5333	0	0	0
	152	 	 	 	 	 	0.7458	0.7458	0	0	0
	153	 	 	 	 	 	0.8000	0.8000	0	0	0
	154	 	 	 	 	 	0.7664	0.7664	0	0	0
	155	 	 	 	 	 	0.6857	0.6857	0	0	0
	156	 	 	 	 	 	0.8000	0.8000	0	0	0
	157	 	 	 	 	 	0.8000	0.8000	0	0	0
	158	 	 	 	 	 	0.8000	0.8000	0	0	0
	159	 	 	 	 	 	0.7434	0.7434	0	0	0
	160	 	 	 	 	 	0.7000	0.7000	0	0	0
	161	 	 	 	 	 	0.7999	0.7999	0	0	0
	162	 	 	 	 	 	0.7000	0.7000	0	0	0
	163	 	 	 	 	 	0.8000	0.7236	0	0	0
	164	 	 	 	 	 	0.6697	0.6697	0	0	0
	165	 	 	 	 	 	0.7500	0.7500	0	0	0
	166	 	 	 	 	 	0.7801	0.7801	0	0	0
	167	 	 	 	 	 	0.8000	0.8000	0	0	0
	168	 	 	 	 	 	0.7499	0.7499	0	0	0
	169	 	 	 	 	 	0.7500	0.7500	0	0	0
	170	 	 	 	 	 	0.8000	0.8000	0	0	0
	171	 	 	 	 	 	0.6426	0.6426	0	0	0
	172	 	 	 	 	 	0.5952	0.5952	0	0	0
	173	 	 	 	 	 	0.3043	0.3043	0	0	0
	174	 	 	 	 	 	0.8000	0.8000	0	0	0
	175	 	 	 	 	 	0.7500	0.7500	0	0	0
	176	 	 	 	 	 	0.8000	0.8000	0	0	0
	177	 	 	 	 	 	0.7393	0.7393	0	0	0
	178	 	 	 	 	 	0.7500	0.7500	0	0	0
	179	 	 	 	 	 	0.8000	0.8000	0	0	0
	180	 	 	 	 	 	0.7000	0.7000	0	0	0
	181	 	 	 	 	 	0.7999	0.7999	0	0	0
	182	 	 	 	 	 	0.7500	0.7500	0	0	0
	183	 	 	 	 	 	0.6000	0.6000	0	0	0
	184	 	 	 	 	 	0.7999	0.7999	0	0	0
	185	 	 	 	 	 	0.7999	0.7999	0	0	0
	186	 	 	 	 	 	0.6493	0.6493	0	0	0
	187	 	 	 	 	 	0.6369	0.6369	0	0	0
	188	 	 	 	 	 	0.8000	0.8000	0	0	0
	189	 	 	 	 	 	0.6500	0.6500	0	0	0
	190	 	 	 	 	 	0.7631	0.7631	0	0	0
	191	 	 	 	 	 	0.7774	0.7774	0	0	0
	192	 	 	 	 	 	0.8000	0.8000	0	0	0
	193	 	 	 	 	 	0.3522	0.3522	0	0	0
	194	 	 	 	 	 	0.4705	0.4705	0	0	0
	195	 	 	 	 	 	0.4835	0.4835	0	0	0
	196	 	 	 	 	 	0.7937	0.7937	0	0	0
	197	 	 	 	 	 	0.5020	0.5020	0	0	0
	198	 	 	 	 	 	0.5870	0.5870	0	0	0
	199	 	 	 	 	 	0.7194	0.7194	0	0	0
	200	 	 	 	 	 	0.8000	0.8000	0	0	0
	201	 	 	 	 	 	0.6811	0.6811	0	0	0
	202	 	 	 	 	 	0.7692	0.7692	0	0	0
	203	 	 	 	 	 	0.7500	0.7500	0	0	0
	204	 	 	 	 	 	0.6500	0.6500	0	0	0
	205	 	 	 	 	 	0.5518	0.5518	0	0	0
	206	 	 	 	 	 	0.8000	0.8000	0	0	0
	207	 	 	 	 	 	0.8000	0.8000	0	0	0

 

 

	 	141	142	143	144	145	146	147	148	149	150
	KEY	MI: Lender or
 Borrower Paid?	Pool Insurance Co.
 Name	Pool Insurance Stop
 Loss %	MI Certificate
 Number	Updated DTI
 (Front-end)	Updated DTI
 (Back-end)	Modification
 Effective Payment
 Date	Total Capitalized
 Amount	Total Deferred
 Amount	Pre-Modification
 Interest (Note) Rate
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	 	151	152	153	154	155	156	157	158	159	160
	KEY	Pre-Modification P&I
 Payment	Pre-Modification
 Initial Interest Rate
 Change Downward
 Cap	Pre-Modification
 Subsequent Interest
 Rate Cap	Pre-Modification
 Next Interest Rate
 Change Date	Pre-Modification I/O
 Term	Forgiven Principal
 Amount	Forgiven Interest
 Amount	Number of
 Modifications	Cash To/From Brrw at Closing	Brrw - Yrs at in Industry
	1	 	 	 	 	 	 	 	 	 	11
	2	 	 	 	 	 	 	 	 	 	21
	3	 	 	 	 	 	 	 	 	 	6.7
	4	 	 	 	 	 	 	 	 	 	13
	5	 	 	 	 	 	 	 	 	 	25
	6	 	 	 	 	 	 	 	 	 	9.5
	7	 	 	 	 	 	 	 	 	 	31
	8	 	 	 	 	 	 	 	 	 	6.5
	9	 	 	 	 	 	 	 	 	 	4.83
	10	 	 	 	 	 	 	 	 	 	10
	11	 	 	 	 	 	 	 	 	 	20
	12	 	 	 	 	 	 	 	 	 	14.7
	13	 	 	 	 	 	 	 	 	 	24
	14	 	 	 	 	 	 	 	 	 	6
	15	 	 	 	 	 	 	 	 	 	10
	16	 	 	 	 	 	 	 	 	 	15
	17	 	 	 	 	 	 	 	 	 	15
	18	 	 	 	 	 	 	 	 	 	8
	19	 	 	 	 	 	 	 	 	 	35
	20	 	 	 	 	 	 	 	 	 	18
	21	 	 	 	 	 	 	 	 	 	24
	22	 	 	 	 	 	 	 	 	 	15
	23	 	 	 	 	 	 	 	 	 	15
	24	 	 	 	 	 	 	 	 	 	21
	25	 	 	 	 	 	 	 	 	 	10
	26	 	 	 	 	 	 	 	 	 	13
	27	 	 	 	 	 	 	 	 	 	6
	28	 	 	 	 	 	 	 	 	 	35
	29	 	 	 	 	 	 	 	 	 	12
	30	 	 	 	 	 	 	 	 	 	10
	31	 	 	 	 	 	 	 	 	 	25
	32	 	 	 	 	 	 	 	 	 	25
	33	 	 	 	 	 	 	 	 	 	20
	34	 	 	 	 	 	 	 	 	 	10
	35	 	 	 	 	 	 	 	 	 	27
	36	 	 	 	 	 	 	 	 	 	28
	37	 	 	 	 	 	 	 	 	 	18
	38	 	 	 	 	 	 	 	 	 	23
	39	 	 	 	 	 	 	 	 	 	10
	40	 	 	 	 	 	 	 	 	 	30
	41	 	 	 	 	 	 	 	 	 	17
	42	 	 	 	 	 	 	 	 	 	30
	43	 	 	 	 	 	 	 	 	 	10
	44	 	 	 	 	 	 	 	 	 	15
	45	 	 	 	 	 	 	 	 	 	2
	46	 	 	 	 	 	 	 	 	 	17
	47	 	 	 	 	 	 	 	 	 	22
	48	 	 	 	 	 	 	 	 	 	25
	49	 	 	 	 	 	 	 	 	 	36
	50	 	 	 	 	 	 	 	 	 	10
	51	 	 	 	 	 	 	 	 	 	20
	52	 	 	 	 	 	 	 	 	 	10
	53	 	 	 	 	 	 	 	 	 	24
	54	 	 	 	 	 	 	 	 	 	10
	55	 	 	 	 	 	 	 	 	 	0
	56	 	 	 	 	 	 	 	 	 	40
	57	 	 	 	 	 	 	 	 	 	6
	58	 	 	 	 	 	 	 	 	 	30
	59	 	 	 	 	 	 	 	 	 	15
	60	 	 	 	 	 	 	 	 	 	20
	61	 	 	 	 	 	 	 	 	 	23
	62	 	 	 	 	 	 	 	 	 	17
	63	 	 	 	 	 	 	 	 	 	35
	64	 	 	 	 	 	 	 	 	 	23
	65	 	 	 	 	 	 	 	 	 	13
	66	 	 	 	 	 	 	 	 	 	3
	67	 	 	 	 	 	 	 	 	 	12
	68	 	 	 	 	 	 	 	 	 	32
	69	 	 	 	 	 	 	 	 	 	25
	70	 	 	 	 	 	 	 	 	 	18
	71	 	 	 	 	 	 	 	 	 	22
	72	 	 	 	 	 	 	 	 	 	16
	73	 	 	 	 	 	 	 	 	 	12
	74	 	 	 	 	 	 	 	 	 	14
	75	 	 	 	 	 	 	 	 	 	30
	76	 	 	 	 	 	 	 	 	 	15
	77	 	 	 	 	 	 	 	 	 	9
	78	 	 	 	 	 	 	 	 	 	16
	79	 	 	 	 	 	 	 	 	 	6
	80	 	 	 	 	 	 	 	 	 	15
	81	 	 	 	 	 	 	 	 	 	18
	82	 	 	 	 	 	 	 	 	 	23
	83	 	 	 	 	 	 	 	 	 	16
	84	 	 	 	 	 	 	 	 	 	7
	85	 	 	 	 	 	 	 	 	 	10
	86	 	 	 	 	 	 	 	 	 	40
	87	 	 	 	 	 	 	 	 	 	0
	88	 	 	 	 	 	 	 	 	 	14
	89	 	 	 	 	 	 	 	 	 	6
	90	 	 	 	 	 	 	 	 	 	11
	91	 	 	 	 	 	 	 	 	 	25
	92	 	 	 	 	 	 	 	 	 	16
	93	 	 	 	 	 	 	 	 	 	26
	94	 	 	 	 	 	 	 	 	 	29
	95	 	 	 	 	 	 	 	 	 	26
	96	 	 	 	 	 	 	 	 	 	30
	97	 	 	 	 	 	 	 	 	 	0
	98	 	 	 	 	 	 	 	 	 	12
	99	 	 	 	 	 	 	 	 	 	32
	100	 	 	 	 	 	 	 	 	 	30
	101	 	 	 	 	 	 	 	 	 	19
	102	 	 	 	 	 	 	 	 	 	15
	103	 	 	 	 	 	 	 	 	 	23
	104	 	 	 	 	 	 	 	 	 	60
	105	 	 	 	 	 	 	 	 	 	25
	106	 	 	 	 	 	 	 	 	 	27
	107	 	 	 	 	 	 	 	 	 	17
	108	 	 	 	 	 	 	 	 	 	15
	109	 	 	 	 	 	 	 	 	 	7
	110	 	 	 	 	 	 	 	 	 	32
	111	 	 	 	 	 	 	 	 	 	7
	112	 	 	 	 	 	 	 	 	 	20
	113	 	 	 	 	 	 	 	 	 	17
	114	 	 	 	 	 	 	 	 	 	3
	115	 	 	 	 	 	 	 	 	 	25
	116	 	 	 	 	 	 	 	 	 	7
	117	 	 	 	 	 	 	 	 	 	3
	118	 	 	 	 	 	 	 	 	 	12
	119	 	 	 	 	 	 	 	 	 	7
	120	 	 	 	 	 	 	 	 	 	16
	121	 	 	 	 	 	 	 	 	 	5
	122	 	 	 	 	 	 	 	 	 	25
	123	 	 	 	 	 	 	 	 	 	8
	124	 	 	 	 	 	 	 	 	 	25
	125	 	 	 	 	 	 	 	 	 	8
	126	 	 	 	 	 	 	 	 	 	21
	127	 	 	 	 	 	 	 	 	 	10
	128	 	 	 	 	 	 	 	 	 	0
	129	 	 	 	 	 	 	 	 	 	25
	130	 	 	 	 	 	 	 	 	 	39
	131	 	 	 	 	 	 	 	 	 	12
	132	 	 	 	 	 	 	 	 	 	15
	133	 	 	 	 	 	 	 	 	 	14
	134	 	 	 	 	 	 	 	 	 	10
	135	 	 	 	 	 	 	 	 	 	15
	136	 	 	 	 	 	 	 	 	 	20
	137	 	 	 	 	 	 	 	 	 	25
	138	 	 	 	 	 	 	 	 	 	15
	139	 	 	 	 	 	 	 	 	 	18
	140	 	 	 	 	 	 	 	 	 	13
	141	 	 	 	 	 	 	 	 	 	17
	142	 	 	 	 	 	 	 	 	 	35
	143	 	 	 	 	 	 	 	 	 	30
	144	 	 	 	 	 	 	 	 	 	45
	145	 	 	 	 	 	 	 	 	 	22
	146	 	 	 	 	 	 	 	 	 	15
	147	 	 	 	 	 	 	 	 	 	20
	148	 	 	 	 	 	 	 	 	 	20
	149	 	 	 	 	 	 	 	 	 	2
	150	 	 	 	 	 	 	 	 	 	10
	151	 	 	 	 	 	 	 	 	 	15
	152	 	 	 	 	 	 	 	 	 	12
	153	 	 	 	 	 	 	 	 	 	14
	154	 	 	 	 	 	 	 	 	 	25
	155	 	 	 	 	 	 	 	 	 	14
	156	 	 	 	 	 	 	 	 	-13967.78	12
	157	 	 	 	 	 	 	 	 	-168098.98	8
	158	 	 	 	 	 	 	 	 	-71816.15	22
	159	 	 	 	 	 	 	 	 	-15721.86	19
	160	 	 	 	 	 	 	 	 	-18933.86	10
	161	 	 	 	 	 	 	 	 	-163667.17	9
	162	 	 	 	 	 	 	 	 	-157241.03	32
	163	 	 	 	 	 	 	 	 	-7410.8	10
	164	 	 	 	 	 	 	 	 	-2323.5	7
	165	 	 	 	 	 	 	 	 	0	3
	166	 	 	 	 	 	 	 	 	315.17	8
	167	 	 	 	 	 	 	 	 	0	11
	168	 	 	 	 	 	 	 	 	1607.06	5
	169	 	 	 	 	 	 	 	 	-317643.06	5
	170	 	 	 	 	 	 	 	 	-2440.07	8
	171	 	 	 	 	 	 	 	 	-21736.19	8
	172	 	 	 	 	 	 	 	 	-329833.88	11
	173	 	 	 	 	 	 	 	 	-45.91	29
	174	 	 	 	 	 	 	 	 	590.97	6
	175	 	 	 	 	 	 	 	 	2682.55	0
	176	 	 	 	 	 	 	 	 	-111343.85	22
	177	 	 	 	 	 	 	 	 	796.55	18
	178	 	 	 	 	 	 	 	 	475.02	10
	179	 	 	 	 	 	 	 	 	267.58	10
	180	 	 	 	 	 	 	 	 	0	15
	181	 	 	 	 	 	 	 	 	-17173.1	32
	182	 	 	 	 	 	 	 	 	-174917.47	0
	183	 	 	 	 	 	 	 	 	-36.01	19
	184	 	 	 	 	 	 	 	 	-117345.87	3
	185	 	 	 	 	 	 	 	 	-84058.15	6
	186	 	 	 	 	 	 	 	 	-510370.33	0
	187	 	 	 	 	 	 	 	 	0	12
	188	 	 	 	 	 	 	 	 	-75730.25	26
	189	 	 	 	 	 	 	 	 	-13058.5	7
	190	 	 	 	 	 	 	 	 	-447.67	4
	191	 	 	 	 	 	 	 	 	-229.95	11
	192	 	 	 	 	 	 	 	 	-204413.4	16.5
	193	 	 	 	 	 	 	 	 	0	21
	194	 	 	 	 	 	 	 	 	-665523.42	31
	195	 	 	 	 	 	 	 	 	-86856.67	6
	196	 	 	 	 	 	 	 	 	583.34	10
	197	 	 	 	 	 	 	 	 	-468787.92	10
	198	 	 	 	 	 	 	 	 	-364959.82	17
	199	 	 	 	 	 	 	 	 	-19.38	20
	200	 	 	 	 	 	 	 	 	-233629.79	9
	201	 	 	 	 	 	 	 	 	11257.42	15
	202	 	 	 	 	 	 	 	 	-272196.28	26
	203	 	 	 	 	 	 	 	 	-163533.97	21
	204	 	 	 	 	 	 	 	 	1894.52	9
	205	 	 	 	 	 	 	 	 	-31.78	17
	206	 	 	 	 	 	 	 	 	-157553.71	12
	207	 	 	 	 	 	 	 	 	-133078.87	4

 

	 	161	162	163	164	165	166	167	168	169	170
	KEY	CoBrrw - Yrs at in Industry	Junior Mortgage Drawn Amount	Maturity Date	Primary Borrower Wage Income (Salary)	Primary Borrower Wage Income (Bonus)	Primary Borrower Wage Income (Commission)	Co-Borrower Wage Income (Salary)	Co-Borrower Wage Income (Bonus)	Co-Borrower Wage Income (Commission)	Originator Doc Code
	1	 	0	20420401	18668.14	0.00	0.00	 	 	 	Full
	2	8	0	20420501	5484.27	0.00	0.00	5820.27	0.00	0.00	Full
	3	6.7	0	20420501	45275.00	0.00	0.00	3111.00	0.00	0.00	Full
	4	7.6	0	20420301	12949.82	0.00	0.00	12571.82	0.00	0.00	Full
	5	25	0	20420401	20432.00	0.00	0.00	11587.98	0.00	0.00	Full
	6	9.5	0	20420301	11226.98	0.00	0.00	10518.00	0.00	0.00	Full
	7	23	0	20420401	17125.00	0.00	0.00	25069.00	0.00	0.00	Full
	8	 	0	20420301	0.00	0.00	30249.00	 	 	 	Full
	9	4.5	0	20420501	11425.00	1675.00	0.00	8000.00	0.00	0.00	Full
	10	12	0	20420401	11625.00	0.00	0.00	7708.34	0.00	0.00	Full
	11	30	0	20420401	62.00	0.00	0.00	14295.00	0.00	0.00	Full
	12	12.7	0	20420501	6376.00	0.00	0.00	5563.00	0.00	0.00	Full
	13	 	0	20420401	17570.50	0.00	0.00	 	 	 	Full
	14	 	0	20420401	25564.00	0.00	0.00	 	 	 	Full
	15	10	0	20420501	10550.00	0.00	0.00	9550.00	0.00	0.00	Full
	16	14	0	20420401	13266.67	0.00	0.00	15833.34	0.00	0.00	Full
	17	 	0	20420301	15312.48	0.00	0.00	0.00	0.00	0.00	Full
	18	 	0	20420301	47942.00	0.00	0.00	0.00	0.00	0.00	Full
	19	20	0	20420401	8803.00	0.00	0.00	3125.00	0.00	0.00	Full
	20	 	0	20420401	92526.00	0.00	0.00	0.00	0.00	0.00	Full
	21	 	0	20420301	0.00	0.00	0.00	 	 	 	Full
	22	 	0	20420501	41261.00	0.00	0.00	0.00	0.00	0.00	Full
	23	8	235000	20420501	87598.00	0.00	0.00	9333.00	0.00	0.00	Full
	24	 	0	20420401	20833.74	0.00	0.00	 	 	 	Full
	25	 	0	20420501	0.00	0.00	0.00	0.00	0.00	0.00	Full
	26	 	0	20420501	41600.00	0.00	0.00	 	 	 	Full
	27	 	0	20420501	19533.00	0.00	0.00	 	 	 	Full
	28	 	0	20420401	11823.71	3588.65	0.00	950.00	0.00	0.00	Full
	29	 	0	20420401	16250.00	0.00	0.00	 	 	 	Full
	30	 	0	20420301	22191.21	0.00	0.00	0.00	0.00	0.00	Full
	31	 	0	20420501	47409.87	0.00	0.00	0.00	0.00	0.00	Full
	32	 	0	20420501	19828.75	4695.00	0.00	0.00	0.00	0.00	Full
	33	 	0	20420401	30694.00	0.00	0.00	0.00	0.00	0.00	Full
	34	11	0	20420401	7282.00	0.00	0.00	8164.00	0.00	0.00	Full
	35	8	0	20420501	17155.66	0.00	0.00	4760.17	0.00	0.00	Full
	36	23	0	20420501	14915.58	0.00	0.00	10824.32	0.00	0.00	Full
	37	 	0	20420501	12154.65	5880.41	0.00	 	 	 	Full
	38	 	0	20420501	31637.54	0.00	0.00	 	 	 	Full
	39	 	0	20420301	17964.67	0.00	0.00	2381.08	0.00	0.00	Full
	40	 	0	20420301	25190.55	0.00	0.00	 	 	 	Full
	41	 	0	20420301	27246.93	0.00	0.00	 	 	 	Full
	42	30	0	20420501	41835.00	0.00	0.00	5000.00	0.00	0.00	Full
	43	10	0	20420101	51139.00	0.00	0.00	0.00	0.00	0.00	Full
	44	 	0	20420201	14491.64	0.00	0.00	 	 	 	Full
	45	4	0	20420301	23050.00	0.00	0.00	0.00	0.00	0.00	Full
	46	 	450000	20420301	28138.00	0.00	0.00	0.00	0.00	0.00	Full
	47	 	0	20420301	70948.00	0.00	0.00	 	 	 	Full
	48	20	0	20420501	10333.33	0.00	0.00	9776.40	0.00	0.00	Full
	49	 	20838	20420401	23049.67	0.00	0.00	0.00	0.00	0.00	Full
	50	10	0	20420301	18950.08	0.00	0.00	16125.66	0.00	0.00	Full
	51	 	0	20420301	168814.00	0.00	0.00	 	 	 	Full
	52	 	0	20420401	20833.33	8439.73	0.00	 	 	 	Full
	53	24	0	20420301	33919.00	0.00	0.00	17042.67	0.00	0.00	Full
	54	4	0	20420501	12490.00	0.00	0.00	3284.06	0.00	0.00	Full
	55	 	0	20420301	11682.00	0.00	0.00	821.70	0.00	0.00	Full
	56	35	0	20420601	10846.74	0.00	0.00	11267.83	0.00	0.00	Full
	57	 	0	20420501	18476.72	0.00	0.00	0.00	0.00	0.00	Full
	58	 	0	20420501	140439.54	0.00	0.00	0.00	0.00	0.00	Full
	59	 	0	20420501	22500.00	0.00	0.00	 	 	 	Full
	60	 	0	20420601	17954.16	0.00	0.00	0.00	0.00	0.00	Full
	61	23	0	20420401	14459.92	0.00	0.00	13359.92	0.00	0.00	Full
	62	 	0	20420501	21747.00	0.00	0.00	0.00	0.00	0.00	Full
	63	6	0	20420501	17580.00	0.00	0.00	0.00	0.00	0.00	Full
	64	 	0	20420501	8897.00	0.00	0.00	 	 	 	Full
	65	 	0	20420401	21433.33	0.00	0.00	0.00	0.00	0.00	Full
	66	 	0	20420501	5833.33	9072.22	0.00	0.00	0.00	0.00	Full
	67	 	0	20420601	1972.00	0.00	15645.65	0.00	0.00	0.00	Full
	68	25	0	20420501	8176.79	0.00	0.00	8176.79	0.00	0.00	Full
	69	26	0	20420401	57290.00	0.00	0.00	9959.32	0.00	0.00	Full
	70	 	0	20420501	26541.67	11081.25	0.00	12864.82	0.00	0.00	Full
	71	 	0	20420401	278945.00	0.00	0.00	 	 	 	Full
	72	10	0	20420401	12377.75	0.00	0.00	6666.66	0.00	0.00	Full
	73	12	0	20420401	14570.50	0.00	0.00	9383.08	0.00	0.00	Full
	74	12	0	20420501	17737.00	0.00	0.00	9345.59	0.00	0.00	Full
	75	30	0	20420301	23370.00	0.00	0.00	19863.00	0.00	0.00	Full
	76	 	100000	20420301	19333.00	0.00	0.00	0.00	0.00	0.00	Full
	77	 	0	20420401	28176.16	0.00	0.00	0.00	0.00	0.00	Full
	78	 	0	20420501	14583.33	0.00	0.00	 	 	 	Full
	79	10	0	20420501	6958.34	0.00	0.00	14833.33	0.00	0.00	Full
	80	6	0	20420401	12500.00	0.00	0.00	1472.00	0.00	0.00	Full
	81	18	0	20420501	24200.00	0.00	0.00	4498.42	0.00	0.00	Full
	82	 	0	20420501	247554.75	0.00	0.00	0.00	0.00	0.00	Full
	83	 	0	20420501	25000.00	0.00	0.00	0.00	0.00	0.00	Full
	84	10	0	20420401	10687.45	0.00	0.00	10387.45	0.00	0.00	Full
	85	 	0	20420401	16666.67	0.00	16085.00	 	 	 	Full
	86	 	0	20420401	22124.63	0.00	0.00	 	 	 	Full
	87	 	0	20420401	0.00	0.00	0.00	 	 	 	Full
	88	11	0	20420301	10625.33	1483.01	0.00	6588.40	0.00	0.00	Full
	89	 	0	20420301	99918.58	0.00	0.00	 	 	 	Full
	90	14	0	20420301	0.00	0.00	11700.97	9258.33	0.00	0.00	Full
	91	 	0	20420401	16439.50	0.00	0.00	 	 	 	Full
	92	 	0	20420401	14272.51	0.00	0.00	 	 	 	Full
	93	 	0	20420401	10187.70	0.00	0.00	 	 	 	Full
	94	 	0	20420501	8500.00	0.00	4266.23	 	 	 	Full
	95	 	0	20420401	39674.25	0.00	0.00	0.00	0.00	0.00	Full
	96	 	0	20420401	12916.67	28288.96	0.00	0.00	0.00	0.00	Full
	97	15	0	20420501	2437.48	0.00	0.00	6015.60	0.00	0.00	Full
	98	7	0	20420401	5822.00	0.00	0.00	7767.07	0.00	0.00	Full
	99	32	0	20420501	18644.83	0.00	0.00	11072.96	0.00	0.00	Full
	100	 	0	20420601	87487.08	0.00	0.00	0.00	0.00	0.00	Full
	101	 	0	20420501	18922.04	0.00	0.00	 	 	 	Full
	102	16	0	20420401	14809.58	0.00	0.00	7687.65	0.00	0.00	Full
	103	19	0	20420401	9432.16	3815.59	0.00	11741.42	0.00	0.00	Full
	104	 	0	20420501	30748.90	0.00	0.00	 	 	 	Full
	105	 	0	20420501	45100.00	0.00	0.00	0.00	0.00	0.00	Full
	106	 	0	20420501	24166.67	0.00	0.00	0.00	0.00	0.00	Full
	107	9	0	20420501	15000.00	0.00	0.00	8750.00	0.00	0.00	Full
	108	15	0	20420501	9642.50	3145.12	0.00	8224.67	0.00	0.00	Full
	109	 	0	20420501	12499.99	0.00	2500.00	 	 	 	Full
	110	 	0	20420601	15544.66	0.00	0.00	 	 	 	Full
	111	 	0	20420601	11250.07	0.00	0.00	 	 	 	Full
	112	5	0	20420601	0.00	0.00	0.00	12364.54	0.00	0.00	Full
	113	15	0	20420601	7510.53	0.00	0.00	15000.00	0.00	0.00	Full
	114	 	0	20420601	34377.00	0.00	0.00	 	 	 	Full
	115	25	0	20420401	9166.66	0.00	0.00	11388.14	0.00	0.00	Full
	116	 	0	20420501	7083.00	0.00	8242.92	0.00	0.00	0.00	Full
	117	5	0	20420501	6705.33	0.00	0.00	21184.80	0.00	0.00	Full
	118	 	0	20420401	22916.66	0.00	0.00	0.00	0.00	0.00	Full
	119	 	0	20420401	21916.66	0.00	0.00	0.00	0.00	0.00	Full
	120	16	0	20420501	17083.32	0.00	0.00	11465.16	0.00	0.00	Full
	121	 	0	20420601	2901.58	0.00	0.00	 	 	 	Full
	122	 	0	20420301	18939.00	0.00	0.00	0.00	0.00	0.00	Full
	123	5	0	20420401	8333.34	16481.00	0.00	7500.00	0.00	0.00	Full
	124	3	0	20420401	11640.00	0.00	0.00	9250.00	0.00	0.00	Full
	125	 	0	20420501	11551.00	0.00	0.00	0.00	0.00	0.00	Full
	126	 	0	20420501	78071.46	0.00	0.00	0.00	0.00	0.00	Full
	127	 	0	20420501	16456.51	0.00	0.00	 	 	 	Full
	128	 	0	20420301	0.00	0.00	0.00	 	 	 	Full
	129	 	0	20420401	20000.00	5926.86	0.00	0.00	0.00	0.00	Full
	130	 	0	20420501	16666.67	0.00	0.00	0.00	0.00	0.00	Full
	131	10	0	20420602	22419.26	0.00	0.00	4359.74	0.00	0.00	Full
	132	 	0	20420601	25000.00	0.00	0.00	0.00	0.00	0.00	Full
	133	13	0	20420401	53894.00	0.00	0.00	12638.88	0.00	0.00	Full
	134	5	0	20420401	8850.08	0.00	0.00	14999.98	0.00	0.00	Full
	135	 	0	20420301	15666.67	0.00	0.00	0.00	0.00	0.00	Full
	136	 	0	20420401	18333.33	0.00	0.00	0.00	0.00	0.00	Full
	137	25	0	20420201	23554.00	0.00	0.00	35685.00	0.00	0.00	Full
	138	 	0	20411201	17471.76	0.00	0.00	 	 	 	Full
	139	 	0	20420501	3390.33	0.00	0.00	 	 	 	Full
	140	 	0	20420301	34430.00	0.00	0.00	 	 	 	Full
	141	 	0	20420401	801359.00	0.00	0.00	 	 	 	Full
	142	 	0	20420301	30869.13	0.00	0.00	 	 	 	Full
	143	 	0	20420301	0.00	0.00	0.00	0.00	0.00	0.00	Full
	144	 	0	20420301	20648.62	0.00	0.00	0.00	0.00	0.00	Full
	145	 	0	20420501	25025.00	0.00	0.00	0.00	0.00	0.00	Full
	146	 	0	20411101	34932.00	0.00	0.00	 	 	 	Full
	147	 	0	20420401	10033.33	0.00	0.00	 	 	 	Full
	148	 	0	20420301	69904.25	0.00	0.00	0.00	0.00	0.00	Full
	149	 	0	20420301	17083.16	0.00	0.00	0.00	0.00	0.00	Full
	150	12	0	20420401	12500.00	0.00	0.00	5925.25	0.00	0.00	Full
	151	 	0	20420501	14102.40	0.00	0.00	0.00	0.00	0.00	Full
	152	 	0	20420401	35250.00	0.00	0.00	0.00	0.00	0.00	Full
	153	 	0	20420501	12916.67	0.00	0.00	0.00	0.00	0.00	Full
	154	 	0	20420201	12745.00	0.00	0.00	 	 	 	Full
	155	15	0	20420201	23750.00	0.00	0.00	6358.00	0.00	0.00	Full
	156	 	0	20420301	31303.77	0.00	0.00	 	 	 	Full
	157	0	0	20420201	15409.00	0.00	0.00	0.00	0.00	0.00	Full
	158	5	0	20420501	33821.00	0.00	0.00	0.00	0.00	0.00	Full
	159	 	0	20420401	56227.38	0.00	0.00	0.00	0.00	0.00	Full
	160	10	0	20420401	22838.22	0.00	0.00	5368.00	0.00	0.00	Full
	161	1	0	20420401	0.00	0.00	11620.00	5000.00	0.00	0.00	Full
	162	 	0	20420501	40275.00	0.00	0.00	 	 	 	Full
	163	 	56998	20420501	18166.67	4158.67	0.00	 	 	 	Full
	164	 	0	20420401	27016.71	0.00	0.00	0.00	0.00	0.00	Full
	165	17	0	20410801	5385.00	0.00	0.00	146034.00	0.00	0.00	Full
	166	 	0	20420401	22822.00	0.00	0.00	0.00	0.00	0.00	Full
	167	 	0	20420301	5182.00	0.00	33998.00	0.00	0.00	0.00	Full
	168	12	0	20420401	8375.00	0.00	0.00	10758.32	0.00	0.00	Full
	169	 	0	20420601	37683.00	0.00	0.00	0.00	0.00	0.00	Full
	170	6	0	20420401	12133.33	3604.33	0.00	9200.00	0.00	0.00	Full
	171	12	0	20420401	5416.66	0.00	0.00	8749.97	0.00	0.00	Full
	172	12	0	20420401	29076.08	0.00	0.00	5050.00	0.00	0.00	Full
	173	 	0	20420501	4409.99	11681.58	6540.00	0.00	0.00	0.00	Full
	174	 	0	20420501	15745.77	0.00	0.00	0.00	0.00	0.00	Full
	175	 	0	20420401	74980.00	0.00	0.00	0.00	0.00	0.00	Full
	176	 	0	20420501	7916.67	7201.44	0.00	 	 	 	Full
	177	10	0	20420501	19916.00	0.00	0.00	13136.00	0.00	0.00	Full
	178	10	0	20420401	20974.00	0.00	0.00	5458.00	0.00	0.00	Full
	179	10	0	20420501	24967.60	0.00	0.00	24967.60	0.00	0.00	Full
	180	 	0	20420401	17976.50	0.00	0.00	0.00	0.00	0.00	Full
	181	 	0	20420501	22102.25	0.00	0.00	 	 	 	Full
	182	36	0	20420201	1705.90	0.00	0.00	12514.00	0.00	0.00	Full
	183	 	0	20420401	23006.71	0.00	0.00	0.00	0.00	0.00	Full
	184	 	0	20420401	14501.67	5159.00	0.00	 	 	 	Full
	185	7	0	20420601	9833.34	140.75	0.00	1197.88	0.00	0.00	Full
	186	12	0	20420501	0.00	0.00	0.00	12500.00	8333.33	0.00	Full
	187	 	0	20420501	24915.50	0.00	0.00	0.00	0.00	0.00	Full
	188	46	0	20420201	8698.21	0.00	0.00	15714.16	0.00	0.00	Full
	189	 	0	20420401	16666.67	8333.33	0.00	0.00	0.00	0.00	Full
	190	 	0	20420401	12043.00	0.00	0.00	0.00	0.00	0.00	Full
	191	 	0	20420301	21327.00	0.00	0.00	0.00	0.00	0.00	Full
	192	16	0	20420401	0.00	0.00	0.00	27527.00	0.00	0.00	Full
	193	 	0	20420401	29625.50	0.00	0.00	 	 	 	Full
	194	 	0	20420301	22500.00	0.00	0.00	 	 	 	Full
	195	6	0	20420201	0.00	0.00	0.00	14998.53	0.00	0.00	Full
	196	10	0	20420401	11544.10	0.00	0.00	29211.67	0.00	0.00	Full
	197	5	0	20420501	43396.44	0.00	0.00	6106.53	0.00	0.00	Full
	198	17	0	20420401	79343.00	0.00	0.00	20616.66	0.00	0.00	Full
	199	 	0	20420501	8817.32	0.00	0.00	 	 	 	Full
	200	 	0	20420501	27916.67	0.00	0.00	0.00	0.00	0.00	Full
	201	20	0	20420501	16210.46	0.00	0.00	0.00	0.00	0.00	Full
	202	 	0	20420601	53526.00	0.00	0.00	0.00	0.00	0.00	Full
	203	 	0	20420601	28833.33	0.00	0.00	0.00	0.00	0.00	Full
	204	9	0	20420501	24530.00	0.00	0.00	24530.00	0.00	0.00	Full
	205	 	0	20420601	24166.00	0.00	0.00	0.00	0.00	0.00	Full
	206	 	0	20420601	9583.33	1404.44	0.00	 	 	 	Full
	207	1	0	20420601	9000.00	0.00	0.00	5271.49	0.00	0.00	Full

 

 

	 	171	172
	KEY	RWT Income Verification	RWT Asset Verification
	1	2 Years	2 Months
	2	2 Years	2 Months
	3	2 Years	2 Months
	4	2 Years	2 Months
	5	2 Years	2 Months
	6	2 Years	2 Months
	7	2 Years	2 Months
	8	2 Years	2 Months
	9	2 Years	2 Months
	10	2 Years	2 Months
	11	2 Years	2 Months
	12	2 Years	2 Months
	13	2 Years	2 Months
	14	2 Years	2 Months
	15	2 Years	2 Months
	16	2 Years	2 Months
	17	2 Years	2 Months
	18	2 Years	2 Months
	19	2 Years	2 Months
	20	2 Years	2 Months
	21	2 Years	2 Months
	22	2 Years	2 Months
	23	2 Years	2 Months
	24	2 Years	2 Months
	25	2 Years	2 Months
	26	2 Years	2 Months
	27	2 Years	2 Months
	28	2 Years	2 Months
	29	2 Years	2 Months
	30	2 Years	2 Months
	31	2 Years	2 Months
	32	2 Years	2 Months
	33	2 Years	2 Months
	34	2 Years	2 Months
	35	2 Years	2 Months
	36	2 Years	2 Months
	37	2 Years	2 Months
	38	2 Years	2 Months
	39	2 Years	2 Months
	40	2 Years	2 Months
	41	2 Years	2 Months
	42	2 Years	2 Months
	43	2 Years	2 Months
	44	2 Years	2 Months
	45	2 Years	2 Months
	46	2 Years	2 Months
	47	2 Years	2 Months
	48	2 Years	2 Months
	49	2 Years	2 Months
	50	2 Years	2 Months
	51	2 Years	2 Months
	52	2 Years	2 Months
	53	2 Years	2 Months
	54	2 Years	2 Months
	55	2 Years	2 Months
	56	2 Years	2 Months
	57	2 Years	2 Months
	58	2 Years	2 Months
	59	2 Years	2 Months
	60	2 Years	2 Months
	61	2 Years	2 Months
	62	2 Years	2 Months
	63	2 Years	2 Months
	64	2 Years	2 Months
	65	2 Years	2 Months
	66	2 Years	2 Months
	67	2 Years	2 Months
	68	2 Years	2 Months
	69	2 Years	2 Months
	70	2 Years	2 Months
	71	2 Years	2 Months
	72	2 Years	2 Months
	73	2 Years	2 Months
	74	2 Years	2 Months
	75	2 Years	2 Months
	76	2 Years	2 Months
	77	2 Years	2 Months
	78	2 Years	2 Months
	79	2 Years	2 Months
	80	2 Years	2 Months
	81	2 Years	2 Months
	82	2 Years	2 Months
	83	2 Years	2 Months
	84	2 Years	2 Months
	85	2 Years	2 Months
	86	2 Years	2 Months
	87	1 Year	2 Months
	88	2 Years	2 Months
	89	2 Years	1 Month
	90	2 Years	2 Months
	91	2 Years	2 Months
	92	2 Years	2 Months
	93	2 Years	2 Months
	94	2 Years	2 Months
	95	2 Years	2 Months
	96	2 Years	2 Months
	97	2 Years	2 Months
	98	2 Years	2 Months
	99	2 Years	2 Months
	100	2 Years	2 Months
	101	2 Years	2 Months
	102	2 Years	2 Months
	103	2 Years	2 Months
	104	2 Years	2 Months
	105	2 Years	2 Months
	106	2 Years	2 Months
	107	2 Years	2 Months
	108	2 Years	2 Months
	109	2 Years	2 Months
	110	2 Years	2 Months
	111	2 Years	2 Months
	112	2 Years	2 Months
	113	2 Years	2 Months
	114	2 Years	2 Months
	115	2 Years	2 Months
	116	2 Years	2 Months
	117	2 Years	2 Months
	118	2 Years	2 Months
	119	2 Years	2 Months
	120	2 Years	2 Months
	121	2 Years	2 Months
	122	2 Years	2 Months
	123	2 Years	2 Months
	124	2 Years	2 Months
	125	2 Years	2 Months
	126	2 Years	2 Months
	127	2 Years	2 Months
	128	2 Years	2 Months
	129	2 Years	2 Months
	130	2 Years	2 Months
	131	2 Years	2 Months
	132	2 Years	2 Months
	133	2 Years	2 Months
	134	2 Years	2 Months
	135	2 Years	2 Months
	136	2 Years	2 Months
	137	2 Years	2 Months
	138	2 Years	2 Months
	139	2 Years	2 Months
	140	2 Years	2 Months
	141	2 Years	2 Months
	142	2 Years	2 Months
	143	2 Years	2 Months
	144	2 Years	2 Months
	145	2 Years	2 Months
	146	2 Years	2 Months
	147	2 Years	2 Months
	148	2 Years	2 Months
	149	2 Years	2 Months
	150	2 Years	2 Months
	151	2 Years	2 Months
	152	2 Years	2 Months
	153	2 Years	2 Months
	154	2 Years	2 Months
	155	2 Years	2 Months
	156	2 Years	2 Months
	157	2 Years	2 Months
	158	2 Years	2 Months
	159	2 Years	2 Months
	160	2 Years	2 Months
	161	2 Years	2 Months
	162	2 Years	2 Months
	163	2 Years	2 Months
	164	2 Years	2 Months
	165	2 Years	1 Month
	166	2 Years	2 Months
	167	2 Years	2 Months
	168	2 Years	2 Months
	169	2 Years	2 Months
	170	2 Years	2 Months
	171	2 Years	2 Months
	172	2 Years	2 Months
	173	2 Years	2 Months
	174	2 Years	2 Months
	175	2 Years	2 Months
	176	2 Years	2 Months
	177	2 Years	2 Months
	178	2 Years	2 Months
	179	2 Years	2 Months
	180	2 Years	2 Months
	181	2 Years	2 Months
	182	2 Years	2 Months
	183	2 Years	2 Months
	184	2 Years	2 Months
	185	2 Years	2 Months
	186	2 Years	2 Months
	187	2 Years	2 Months
	188	2 Years	2 Months
	189	2 Years	2 Months
	190	2 Years	2 Months
	191	2 Years	2 Months
	192	2 Years	2 Months
	193	2 Years	2 Months
	194	2 Years	2 Months
	195	2 Years	2 Months
	196	2 Years	2 Months
	197	2 Years	2 Months
	198	2 Years	2 Months
	199	2 Years	2 Months
	200	2 Years	2 Months
	201	2 Years	2 Months
	202	2 Years	2 Months
	203	2 Years	2 Months
	204	2 Years	2 Months
	205	2 Years	2 Months
	206	2 Years	2 Months
	207	2 Years	2 Months

 

	ASF RMBS DISCLOSURE PACKAGE

The American Securitization Forum is a broad-based professional forum through which participants in the U.S. securitization market advocate their common interests on important legal, regulatory and market practice issues. ASF members include over 380 firms, including issuers, investors, servicers, financial intermediaries, rating agencies, financial guarantors, legal and accounting firms, and other professional organizations involved in securitization transactions. The ASF also provides information, education and training on a range of securitization market issues and topics through industry conferences, seminars and similar initiatives. For more information about ASF, its members and activities, please go to www.americansecuritization.com.	 
	Field
    Number	Field
    Name	Field
    Description	Type
    of Field	Data
    Type	Sample
    Data	Format	When
    Applicable?	Valid
    Values	Proposed
    Unique Coding	Notes	 
	1	Primary
    Servicer	The
    MERS Organization ID of the company that has or will have the right to service the loan.	General
    Information	Numeric
    – Integer	2351805	9(7)	Always	”9999999”
    if Unknown	 	 	 
	2	Servicing
    Fee—Percentage	Aggregate
    monthly fee paid to all servicers, stated in decimal form.	General
    Information	Numeric
    - Decimal	0.0025	9.999999	Loans
    without flat-dollar servicing fees	>=
    0 and < 1	 	Must
    be populated if Field 3 is Null	 
	3	Servicing
    Fee—Flat-dollar	Aggregate
    monthly fee paid to all servicers, stated as a dollar amount.	General
    Information	Numeric
    – Decimal	7.5	9(3).99	Loans
    with flat-dollar servicing fees	>=
                                                                                                                                                           0
                                                                                                                                                           and

        <=
        999
	 	Must
    be populated if 2 is Null	 
	4	Servicing
    Advance Methodology	The
    manner in which principal and/or interest are to be advanced by the servicer.	General
    Information	Numeric
    – Integer	2	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Scheduled
                                                                                                                                                           Interest,
                                                                                                                                                           Scheduled
                                                                                                                                                           Principal

        2 = Actual Interest, Actual
        Principal

        3 = Scheduled Interest,
        Actual Principal

        99 = Unknown
	 	 
	5	Originator	The
    MERS Organization ID of the entity that lends funds to the borrower and, in return, places a lien on the mortgage property
    as collateral.	General
    Information	Numeric
    – Integer	5938671	9(7)	Always	”9999999”
    if Unknown	 	 	 
	6	Loan
    Group	Indicates
    the collateral group number in which the loan falls (for structures with multiple collateral groups). Use “1”
    if there is only one loan group.	General
    Information	Text	1A	XXXX	Always	“UNK”
    if Unknown	 	 	 
	7	Loan
    Number	Unique
    National Mortgage Loan ID Number (Vendor TBD).	General
    Information	Numeric
    – Integer	TBD	TBD	Always	TBD	 	Details
    to be provided by Vendor	 
	8	Amortization
    Type	Indicates
    whether the loan’s interest rate is fixed or adjustable (Hybrid ARMs are adjustable).	Loan
    Type	Numeric
    – Integer	2	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Fixed

        2 = Adjustable

        99 = Unknown
	 	 
	9	Lien
    Position	A
    number indicating the loan’s lien position (1 = first lien, etc.).	Loan
    Type	Numeric
    – Integer	1	99	Always	>0	99
    = Unknown	 	 
	10	HELOC
    Indicator	Indicates
    whether the loan is a home equity line of credit.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	11	Loan
    Purpose	Indicates
    the purpose of the loan.	Loan
    Type	Numeric
    – Integer	9	99	Always	See
    Coding	See
    Appendix A	 	 
	12	Cash
    Out Amount	Cash
    Out Amount:   [New Loan] – [PIF Prior First Lien] – [Payoff of all Seasoned Seconds] – [Closing
    Costs] – [Prepays]
 For delayed purchases (refinances on homes purchased < 12 months prior to the mortgage application)
    with cash)  Cash Out Amount = 0.	Loan
    Type	Numeric
    – Decimal	72476.5	9(10).99	Always	>=
    0	 	 	 
	 
	 
	13	Total
    Origination and Discount Points (in dollars)	Amount
    paid to the lender to increase the lender’s effective yield and, in the case of discount points, to reduce the interest
    rate paid by the borrower.	Loan
    Type	Numeric
    – Decimal	5250	9(10).99	Always	>=
    0	 	Typically
    Lines 801 and 802 of HUD Settlement Statement	 
	14	Covered/High
    Cost Loan Indicator	Indicates
    whether the loan is categorized as “high cost” or “covered” according to state or federal statutes
    or regulations.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	15	Relocation
    Loan Indicator	Indicates
    whether the loan is part of a corporate relocation program.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	16	Broker
    Indicator	Indicates
    whether a broker took the application.	Loan
    Type	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	17	Channel	Code
    indicating the source (channel) from which the Issuer obtained the mortgage loan.	Loan
    Type	Numeric
    – Integer	2	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Retail

        2 = Broker

        3 = Correspondent Bulk

        4 = Correspondent Flow
        with delegated underwriting

        5 = Correspondent Flow
        without delegated underwriting

        99 = Unknown
	 	 
	18	Escrow
    Indicator	Indicates
    whether various homeownership expenses are paid by the borrower directly or through an escrow account (as of securitization
    cut-off date).	Loan
    Type	Numeric
    – Integer	3	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No
                                                                                                                                                           Escrows

        1 = Taxes

        2 = Insurance

        3 = HOA dues

        4 = Taxes and Insurance

        5 = All

        99 =Unknown
	 	 
	19	Senior
    Loan Amount(s)	For
    non-first mortgages, the sum of the balances of all associated senior mortgages at the time of origination of the subordinate
    lien. 	Mortgage
    Lien Info	Numeric
    – Decimal	611004.25	9(10).99	If
    Lien Position > 1	>=
    0	 	 	 
	20	Loan
    Type of Most Senior Lien	For
    non-first mortgages, indicates whether the associated first mortgage is a Fixed, ARM, Hybrid, or negative amortization loan.	Mortgage
    Lien Info	Numeric
    – Integer	2	99	If
    Lien Position > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Fixed
                                                                                                                                                           Rate

        2 = ARM

        3 = Hybrid

        4 = Neg Am

        99 = Unknown
	 	 
	21	Hybrid
    Period of Most Senior Lien (in months)	For
    non-first mortgages where the associated first mortgage is a hybrid ARM, the number of months remaining in the initial fixed
    interest rate period for the hybrid first mortgage.	Mortgage
    Lien Info	Numeric
    – Integer	23	999	If
                                                                                                                                                           Lien
                                                                                                                                                           Position
                                                                                                                                                           >
                                                                                                                                                           1

        AND
        the most senior lien is a hybrid ARM (see Field 20)
	>=
    0	 	 	 
	22	Neg
    Am Limit of Most Senior Lien	For
    non-first mortgages where the associated first mortgage features negative amortization, the maximum percentage by which the
    negatively amortizing balance may increase (expressed as a proportion of the senior lien’s original balance).	Mortgage
    Lien Info	Numeric
    – Decimal	1.25	9.999999	If
                                                                                                                                                           Lien
                                                                                                                                                           Position
                                                                                                                                                           >
                                                                                                                                                           1

        AND
        the senior lien is Neg Am (see Field 20)
	>=
    1 and <= 2	 	 	 
	23	Junior
    Mortgage Balance	For
    first mortgages with subordinate liens at the time of origination, the combined balance of the subordinate liens (if known).	Mortgage
    Lien Info	Numeric
    – Decimal	51775.12	9(10).99	If
    Lien Position = 1 and there is a 2nd lien on the subject property	>=
    0	 	Subject
    to Regulatory Confirmation	 
	24	Origination
    Date of Most Senior Lien	For
    non-first mortgages, the origination date of the associated first mortgage.	Mortgage
    Lien Info	Date	20090914	YYYYMMDD	If
    Lien Position > 1 and there is a 2nd lien on the subject property	“19010101”
    if unknown	 	 	 
	25	Origination
    Date	The
    date of the Mortgage Note and Mortgage/Deed of Trust	Loan
    Term and Amortization Type	Date	20090914	YYYYMMDD	Always	“19010101”
    if unknown	 	 	 
	26	Original
    Loan Amount	The
    dollar amount of the mortgage loan, as specified on the mortgage note at the time of the loan’s origination. For HELOCs,
    the maximum available line of credit.	Loan
    Term and Amortization Type	Numeric
    – Decimal	150000	9(10).99	Always	>0	 	 	 
	27	Original
    Interest Rate	The
    original note rate as indicated on the mortgage note.	Loan
    Term and Amortization Type	Numeric
    – Decimal	0.0475	9.999999	Always	>
    0 and <= 1	 	 	 
	28	Original
    Amortization Term	The
    number of months in which the loan would be retired if the amortizing principal and interest payment were to be paid each
    month.	Loan
    Term and Amortization Type	Numeric
    – Integer	360	999	Always	>=
    60	 	 	 
	29	Original
    Term to Maturity	The
    initial number of months between loan origination and the loan maturity date, as specified on the mortgage note.	Loan
    Term and Amortization Type	Numeric
    – Integer	60	999	Always	>0	N/A	 	 
	30	First
    Payment Date of Loan	The
    date of the first scheduled mortgage payment to be made by the borrower as specified on the mortgage note.	Loan
    Term and Amortization Type	Date	20090914	YYYYMMDD	Always	“19010101”
    if unknown	N/A	 	 
	31	Interest
    Type Indicator	Indicates
    whether the interest rate calculation method is simple or actuarial.	Loan
    Term and Amortization Type	Numeric
    – Integer	2	99	Always	See
    Coding	1=
                                                                                                                                                           Simple

        2 = Actuarial

        99 = Unknown
	 	 
	32	Original
    Interest Only Term	Original
    interest-only term for a loan in months (including NegAm Loans).	Loan
    Term and Amortization Type	Numeric
    – Integer	60	999	Always	>=
                                                                                                                                                           0
                                                                                                                                                           and
                                                                                                                                                           <=
                                                                                                                                                           240

        Unknown
        = Blank;

        No
        Interest Only Term = 0
	 	 	 
	33	Buy
    Down Period	The
    total number of months during which any buy down is in effect, representing the accumulation of all buy down periods.	Loan
    Term and Amortization Type	Numeric
    – Integer	65	999	Always	>=
                                                                                                                                                           0
                                                                                                                                                           and
                                                                                                                                                           <=
                                                                                                                                                           100

        Unknown
        = Blank;

        No
        Buy Down = 0
	 	 	 
	34	HELOC
    Draw Period	The
    original number of months during which the borrower may draw funds against the HELOC account.	Loan
    Term and Amortization Type	Numeric
    – Integer	24	999	HELOCs
    Only	>=
    12 and <= 120	 	 	 
	35	Scheduled
    Loan Amount	Mortgage
    loan scheduled principal balance as of cut-off date. For HELOCs, the current drawn amount.	Loan
    Term and Amortization Type	Numeric
    – Decimal	248951.19	9(10).99	Always	>=
    0	 	 	 
	36	Current
    Interest Rate	The
    interest rate used to calculate the current P&I or I/O payment.	Loan
    Term and Amortization Type	Numeric
    – Decimal	0.05875	9.999999	Always	>
    0 and <= 1	 	 	 
	37	Current
    Payment Amount Due	Next
    Total Payment due to be collected (including principal, interest or both—but Exclude Escrow Amounts).	Loan
    Term and Amortization Type	Numeric
    – Decimal	1250.15	9(10).99	Always	>
    0	 	 	 
	38	Scheduled
    Interest Paid
 Through Date	 	Loan
    Term and Amortization Type	Date	20090429	YYYYMMDD	Always	“19010101”
    if unknown	 	 	 
	39	Current
    Payment Status	Number
    of payments the borrower is past due as of the securitization cut-off date.	Loan
    Term and Amortization Type	Numeric
    – Integer	3	99	Always	>=
    0	 	 	 
	40	Index
    Type	Specifies
    the type of index to be used to determine the interest rate at each adjustment.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	18	99	ARMs
    Only	See
    Coding	See
    Appendix B	 	 
	41	ARM
    Look-back Days	The
    number of days prior to the interest rate adjustment date to retrieve the index value.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	45	99	ARMs
    Only	>=
    0 to <=99	 	 	 
	42	Gross
    Margin	The
    percentage stated on the mortgage note representing the spread between the ARM Index value and the mortgage interest rate.
    The gross mortgage margin is added to the index value to establish a new gross interest rate in the manner prescribed on the
    mortgage note.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.03	9.999999	ARMs
    Only	>0
    and <= 1	 	 	 
	43	ARM
    Round Flag	An
    indicator of whether an adjusted interest rate is rounded to the next higher ARM round factor, to the next lower round factor,
    or to the nearest round factor.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	3	9	ARMs
    Only	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No
                                                                                                                                                           Rounding

        1 = Up

        2 = Down

        3 = Nearest

        99=Unknown
	 	 
	44	ARM
    Round Factor	The
    percentage to which an adjusted interest rate is to be rounded.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.0025
    or 0.00125	9.999999	ARMs
                                                                                                                                                           Only

        Where
        ARM Round Flag = 1, 2, or 3
	>=
    0 and < 1	 	 	 
	45	Initial
    Fixed Rate Period	For
    hybrid ARMs, the period between the first payment date of the mortgage and the first interest rate adjustment date.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	60	999	Hybrid
    ARMs Only	>=
    1 to <=240	 	 	 
	46	Initial
    Interest Rate Cap (Change Up)	The
    maximum percentage by which the mortgage note rate may increase at the first interest rate adjustment date.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 
	47	Initial
    Interest Rate  Cap (Change Down)	The
    maximum percentage by which the mortgage note rate may decrease at the first interest rate adjustment date.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 
	48	Subsequent
    Interest Rate Reset Period	The
    number of months between subsequent rate adjustments.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Integer	60	999	ARMs
    Only	>=0
    and <= 120	 	0
    = Loan does not adjust after initial reset	 
	49	Subsequent
    Interest Rate (Change Down)	The
    maximum percentage by which the interest rate may decrease at each rate adjustment date after the initial adjustment.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 
	50	Subsequent
    Interest Rate Cap (Change Up)	The
    maximum percentage by which the interest rate may increase at each rate adjustment date after the initial adjustment.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.02	9.999999	ARMs
    Only	>=
    0 and <= 1	99=no
    cap	 	 
	51	Lifetime
    Maximum Rate (Ceiling)	The
    maximum interest rate that can be in effect during the life of the loan.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.125	9.999999	ARMs
    Only	>=
    0 and <= 1	 	=1
    if no ceiling specified	 
	 
	 
	52	Lifetime
    Minimum Rate (Floor)	The
    minimum interest rate that can be in effect during the life of the loan.	Adjustable
    Rate Mortgages (ARMs)	Numeric
    – Decimal	0.015	9.999999	ARMs
    Only	>=
    0 and <= 1	 	If
    no floor is specified enter the greater of the margin or 0.	 
	53	Negative
    Amortization Limit	The
    maximum amount of negative amortization allowed before recast is required. (Expressed as a percentage of the original unpaid
    principal balance.)	Negative
    Amortization	Numeric
    – Decimal	1.25	9.999999	Negatively
    Amortizing ARMs Only	>=0,
    and <2	 	 	 
	54	Initial
    Negative Amortization Recast Period	The
    number of months in which the payment is required to recast if the loan does not reach the prescribed maximum balance earlier.	Negative
    Amortization	Numeric
    – Integer	60	999	Negatively
    Amortizing ARMs Only	>=0	 	 	 
	55	Subsequent
    Negative Amortization Recast Period	The
    number of months after which the payment is required to recast AFTER the first recast period.	Negative
    Amortization	Numeric
    – Integer	48	999	Negatively
    Amortizing ARMs Only	>=0	 	 	 
	56	Initial
    Fixed Payment Period	Number
    of months after origination during which the payment is fixed.	Negative
    Amortization	Numeric
    – Integer	60	999	Negatively
    Amortizing Hybrid ARMs Only	>=
    0 to <=120	 	 	 
	57	Subsequent
    Payment Reset Period	Number
    of months between payment adjustments after first payment reset.	Negative
    Amortization	Numeric
    – Integer	12	999	Negatively
    Amortizing ARMs Only	>=
    0 to <=120	 	 	 
	58	Initial
    Periodic Payment Cap	The
    maximum percentage by which a payment can change (increase or decrease) in the first period. 	Negative
    Amortization	Numeric
    – Decimal	0.075	9.999999	Negatively
    Amortizing ARMs Only	>=
    0 and < 1	 	 	 
	59	Subsequent
    Periodic Payment Cap	The
    maximum percentage by which a payment can change (increase or decrease) in one period after the initial cap. 	Negative
    Amortization	Numeric
    – Decimal	0.075	9.999999	Negatively
    Amortizing ARMs Only	>=
    0 and < 1	 	 	 
	60	Initial
    Minimum Payment Reset Period	The
    maximum number of months a borrower can initially pay the minimum payment before a new minimum payment is determined.	Negative
    Amortization	Numeric
    – Integer	12	999	Negatively
    Amortizing ARMs Only	>=
    0 to <=120	 	 	 
	61	Subsequent
    Minimum Payment Reset Period	The
    maximum number of months (after the initial period) a borrower can pay the minimum payment before a new minimum payment is
    determined after the initial period.	Negative
    Amortization	Numeric
    – Integer	12	999	Negatively
    Amortizing ARMs Only	>=
    0 to <=120	 	 	 
	62	Option
    ARM Indicator	An
    indicator of whether the loan is an Option ARM.	Negative
    Amortization	Numeric
    – Integer	1	99	ARMs
    Only	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	63	Options
    at Recast	The
    means of computing the lowest monthly payment available to the borrower after recast.	Option
    ARM	Numeric
    – Integer	2	99	Option
    ARMs Only	N/A	1=
                                                                                                                                                           Fully
                                                                                                                                                           amortizing
                                                                                                                                                           30
                                                                                                                                                           year

        2= Fully amortizing 15
        year

        3=Fully amortizing 40
        year

        4 = Interest-Only

        5 = Minimum Payment

        99= Unknown
	 	 
	64	Initial
    Minimum Payment	The
    initial minimum payment the borrower is permitted to make.	Option
    ARM	Numeric
    – Decimal	879.52	99	Option
    ARMs Only	>=0	 	 	 
	65	Current
    Minimum Payment	Current
    Minimum Payment (in dollars).	Negative
    Amortization	Numeric
    – Decimal	250	9(10).99	Option
    ARMs Only	>=
    0	 	 	 
	66	Prepayment
    Penalty Calculation	A
    description of how the prepayment penalty would be calculated during each phase of the prepayment penalty term.	Prepayment
    Penalties	Numeric
    – Integer	12	99	Always	See
    Coding	See
    Appendix C	 	 
	67	Prepayment
    Penalty Type	•
                                                                                                                                                           Hard:
                                                                                                                                                           The
                                                                                                                                                           prepayment
                                                                                                                                                           penalty
                                                                                                                                                           is
                                                                                                                                                           incurred
                                                                                                                                                           regardless
                                                                                                                                                           of
                                                                                                                                                           the
                                                                                                                                                           reason
                                                                                                                                                           the
                                                                                                                                                           loan
                                                                                                                                                           is
                                                                                                                                                           prepaid
                                                                                                                                                           in
                                                                                                                                                           full.

        • Hybrid:
        The prepayment penalty can be characterized as hard for a certain amount of time and as soft during another period.

         

         
	Prepayment
    Penalties	Numeric
    – Integer	1	99	All
    loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Hard

        2 = Soft

        3 = Hybrid

        99 = Unknown
	 	 
	68	Prepayment
    Penalty Total Term	The
    total number of months that the prepayment penalty may be in effect.	Prepayment
    Penalties	Numeric
    – Integer	60	999	All
    loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)	>0
    to <=120	 	 	 
	69	Prepayment
    Penalty Hard Term	For
    hybrid prepayment penalties, the number of months during which a “hard” prepayment penalty applies.	Prepayment
    Penalties	Numeric
    – Integer	12	999	Loans
    with Hybrid Prepayment Penalties (i.e., loans for which Field 67 = “3”)	>=
    0 to <=120	 	 	 
	70	Primary
    Borrower ID	A
    lender-generated ID number for the primary borrower on the mortgage	Borrower	Numeric—Integer	123456789	999999999	Always	>0	 	Used
    to identify the number of times a single borrower appears in a given deal.	 
	71	Number
    of Mortgaged Properties	The
    number of residential properties owned by the borrower that currently secure mortgage loans.	Borrower	Numeric
    – Integer	1	99	Always	>
    0	 	 	 
	72	Total
    Number of Borrowers	The
    number of Borrowers who are obligated to repay the mortgage note.	Borrower	Numeric
    – Integers	2	99	Always	>
    0	 	 	 
	73	Self-employment
    Flag	An
    indicator of whether the primary borrower is self-employed.	Borrower	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	74	Current
    ‘Other’ Monthly Payment	The
    aggregate of all payments pertaining to the subject property other than principal and interest (includes common charges, condo
    fees, T&I, HOA, etc.), whether escrowed or not.	Loan
    Term and Amortization Type	Numeric
    – Decimal	1789.25	9(10).99	Always	>
    0	 	 	 
	75	Length
    of Employment: Borrower	The
    number of years of service with the borrower’s current employer as of the date of the loan.	Borrower
    Qualification	Numeric
    – Decimal	3.5	99.99	Always	>=0	99
    = Retired, None employment income soure (social security, trust income, dividends, etc.)	 	 
	76	Length
    of Employment: Co-Borrower	The
    number of years of service with the co-borrower’s current employer as of the date of the loan.	Borrower
    Qualification	Numeric
    – Decimal	3.5	99.99	If
    “Total Number of Borrowers” > 1	>=
    0	99
    = Retired, None employment income soure (social security, trust income, dividends, etc.)	 	 
	77	Years
    in Home	Length
    of time that the borrower has been at current address.	Borrower
    Qualification	Numeric
    – Decimal	14.5	99.99	Refinances
    of Primary Residences Only (Loan Purpose = 1, 2, 3, 4, 8 or 9)	>
    0	 	 	 
	78	FICO
    Model Used	Indicates
    whether the FICO score was calculated using the Classic, Classic 08, or Next Generation model.	Borrower
    Qualification	Numeric
    – Integer	1	99	If
    a FICO score was obtained	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Classic

        2 = Classic 08

        3 = Next Generation

        99 = Unknown
	 	 
	79	Most
    Recent FICO Date	Specifies
    the date on which the most recent FICO score was obtained	Borrower
    Qualification	Date	20090914	YYYYMMDD	If
    a FICO score was obtained	“19010101”
    if unknown	 	Issuers
    unable to Provide may Rep and Warrant that the FICO score used for underwriting was not more than 4 months old at the date
    of issuance.	 
	80	Primary
    Wage Earner Original FICO:  Equifax	Equifax
    FICO score for primary borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 
	81	Primary
    Wage Earner Original FICO:  Experian	Experian
    FICO score for primary borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 
	82	Primary
    Wage Earner Original FICO:  TransUnion	TransUnion
    FICO score for primary borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 
	83	Secondary
    Wage Earner Original FICO:  Equifax	Equifax
    FICO score for Co-borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 
	84	Secondary
    Wage Earner Original FICO:  Experian	Experian
    FICO score for Co-borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 
	85	Secondary
    Wage Earner Original FICO: TransUnion	TransUnion
    FICO score for Co-borrower (if applicable).	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 
	86	Most
    Recent Primary Borrower FICO	Most
    Recent Primary Borrower FICO score used by the lender to approve the loan.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a FICO score was obtained	>=
    350 and <= 850	 	 	 
	87	Most
    Recent Co-Borrower FICO	Most
    Recent Co-Borrower FICO score used by the lender to approve the loan.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    “Total Number of Borrowers” > 1	>=
    350 and <= 850	 	 	 
	88	Most
    Recent FICO Method	Number
    of credit repositories used to update the FICO Score.	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    a FICO score was obtained	>0	 	 	 
	89	VantageScore:
    Primary Borrower	Credit
    Score for the Primary Borrower used to approve the loan and obtained using the Vantage credit evaluation model.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a Vantage Credit Score was obtained	>=
    501 and <= 990	 	 	 
	90	VantageScore:
    Co-Borrower	Credit
    Score for the Co-borrower used to approve the loan and obtained using the Vantage credit evaluation model.	Borrower
    Qualification	Numeric
    – Integer	720	9999	If
    a VantageScore was obtained AND “Total Number of Borrowers” > 1	>=
    501 and <= 990	 	 	 
	91	Most
    Recent VantageScore Method	Number
    of credit repositories used to update the Vantage Score.	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    a Vantage Credit Score was obtained	>0	 	 	 
	92	VantageScore
    Date	Date
    Vantage Credit Score was obtained.	Borrower
    Qualification	Date	20090914	YYYYMMDD	If
    a Vantage Credit Score was obtained	“19010101”
    if unknown	 	 	 
	93	Credit
    Report: Longest Trade Line	The
    length of time in months that the oldest active trade line, installment or revolving, has been outstanding. For a loan with
    more than one borrower, populate field based on status for the primary borrower.	Borrower
    Qualification	Numeric
    – Integer	999	999	Always	>
    =0	 	Subject
    to Regulatory Confirmation	 
	94	Credit
    Report: Maximum Trade Line	The
    dollar amount for the trade line, installment or revolving, with the largest unpaid balance. For revolving lines of credit,
    e.g. credit card, the dollar amount reported should reflect the maximum amount of credit available under the credit line whether
    used or not. For a loan with more than one borrower, populate field based on status for the primary borrower.	Borrower
    Qualification	Numeric
    – Decimal	339420.19	9(10).99	Always	>=0	 	Subject
    to Regulatory Confirmation	 
	95	Credit
    Report: Number of Trade Lines	A
    count of non-derogatory, currently open and active, consumer trade lines (installment or revolving) for the borrower. For
    a loan with more than one borrower, populate field based on status for the primary borrower.	Borrower
    Qualification	Numeric
    – Integer	57	999	Always	>=0	 	Subject
    to Regulatory Confirmation	 
	96	Credit
    Line Usage Ratio	Sum
    of credit balances divided by sum of total open credit available.	Borrower
    Qualification	Numeric
    – Decimal	0.27	9.999999	Always	>=
    0 and <= 1	 	Subject
    to Regulatory Confirmation	 
	97	Most
    Recent 12-month Pay History	String
    indicating the payment status per month listed from oldest to most recent.	Borrower
    Qualification	Text	77X123200001	X(12)	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           Current

        1 = 30-59 days delinquent

        2 = 60-89 days delinquent

        3 = 90-119 days delinquent

        4 = 120+ days delinquent

        5 = Foreclosure

        6 = REO

        7 = Loan did not exist
        in period

        X = Unavailable
	 	 
	98	Months
    Bankruptcy	Number
    of months since any borrower was discharged from bankruptcy. (Issuers unable to provide this information may rep and warrant
    that at least x years—as specified in the loan program—have passed since most recent discharge from bankruptcy.)	Borrower
    Qualification	Numeric
    – Integer	12	999	If
    Borrower has ever been in Bankruptcy	>=
    0	 	Blank
    = Borrower is not known to have been in bankruptcy	 
	99	Months
    Foreclosure	Number
    of months since foreclosure sale date. (Issuers unable to provide this information may rep and warrant that at least x
    years—as specified in the loan program— have passed since most recent foreclosure.)	Borrower
    Qualification	Numeric
    – Integer	12	999	If
    Borrower has ever been in Foreclosure	>=
    0	 	Blank
    = Borrower is not known to have been in foreclosure	 
	100	Primary
    Borrower Wage Income	Monthly
    base wage income for primary borrower.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 
	101	Co-Borrower
    Wage Income	Monthly
    base wage income for all other borrowers.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	If
    “Total Number of Borrowers” > 1	>=
    0	 	 	 
	102	Primary
    Borrower Other Income	Monthly
    Other (non-wage) income for primary borrower. (This figure should include net rental income and be reduced by any net rental
    loss.)	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 
	103	Co-Borrower
    Other Income	Monthly
    Other (non-wage) income for all other borrowers. (This figure should include net rental income and be reduced by any net rental
    loss.)	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	If
    “Total Number of Borrowers” > 1	>=
    0	 	 	 
	104	All
    Borrower Wage Income	Monthly
    income of all borrowers derived from base salary only.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 
	105	All
    Borrower Total Income	Monthly
    income of all borrowers derived from base salary, commission, tips and gratuities, overtime and bonuses, part-time or second-job
    earnings, alimony, child support, interest and dividend income, notes receivable, trust income, net rental income,
    retirement income, social security, veterans income, military income, foster care income, and self-employed income.	Borrower
    Qualification	Numeric
    – Decimal	9000	9(9).99	Always	>=
    0	 	 	 
	106	4506-T
    Indicator	A
    yes/no indicator of whether a Transcript of Tax Return (received pursuant to the filing of IRS Form 4506-T) was obtained and
    considered.	Borrower
    Qualification	Numeric
    – Integer	1	99	Always	See
    Coding	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unknown
	 	 
	107	Borrower
    Income Verification Level	A
    code indicating the extent to which the borrower’s income has been verified:	Borrower
    Qualification	Numeric
    – Integer	1	9	Always	See
    Coding	1
                                                                                                                                                                       =
                                                                                                                                                                       Not
                                                                                                                                                                       Stated,
                                                                                                                                                                       Not
                                                                                                                                                                       Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, “Level
        4” Verified (as defined)

        5 = Stated, “Level
        5” Verified (as defined)

         
	 	 
	Level
    4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if
    salaried)	 
	Level
    5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)	 
	*For
    self-employed borrowers: Level 4 Income Verification:

    • 2 Years Tax Returns

    • Self-prepared tax returns (regardless of 4506 and tax transcripts)

    

    ** For self-employed borrowers: Level 5 Income Verification:

    • 2 Years tax returns

    • Tax returns prepared and not executed by a CPA, with 

    o CPA name & phone number shown on the Preparer section of the tax return

    o Executed 4506 and tax transcripts (matching returns in file) 

    • Tax returns prepared and executed by a CPA (regardless of 4506 and tax transcripts)	 
	108	Co-Borrower
    Income Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           co-borrower’s
                                                                                                                                                           income
                                                                                                                                                           has
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 4 Income Verification
        = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)

         

        Level 5 Income Verification
        = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)

        *For self-employed borrowers:
        Level 4 Income Verification:

        • 2 Years Tax Returns

        • Self-prepared tax returns (regardless of 4506 and tax transcripts)

        

        ** For self-employed borrowers: Level 5 Income Verification:

        • 2 Years tax returns

        • Tax returns prepared and not executed by a CPA, with

        o CPA name & phone number shown on the Preparer section of the tax return

        o Executed 4506 and tax transcripts (matching returns in file)

        • Tax returns prepared and executed by a CPA (regardless of 4506 and tax transcripts)
	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    “Total Number of Borrowers” > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, “Level
        4” Verified (as defined)

        5 = Stated, “Level
        5” Verified (as defined)

         
	 

         
	 
	109	Borrower
    Employment Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           primary
                                                                                                                                                           borrower’s
                                                                                                                                                           employment
                                                                                                                                                           has
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 3 Verified = Direct
        Independent Verification with a third party of the borrower’s current employment.
	Borrower
    Qualification	Numeric
    – Integer	2	9	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, Level 3 Verified
        (as defined)
	 	 
	110	Co-Borrower
    Employment Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           co-borrower’s
                                                                                                                                                           employment
                                                                                                                                                           has
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 3 Verified = Direct
        Independent Verification with a third party of the co-borrower’s current employment.
	Borrower
    Qualification	Numeric
    – Integer	1	9	If
    “Total Number of Borrowers” > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, Level 3 Verified
        (as defined)
	 	 
	111	Borrower
    Asset Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           primary
                                                                                                                                                           borrower’s
                                                                                                                                                           assets
                                                                                                                                                           used
                                                                                                                                                           to
                                                                                                                                                           qualify
                                                                                                                                                           the
                                                                                                                                                           loan
                                                                                                                                                           have
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 4 Verified = 2 months
        of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

         
	Borrower
    Qualification	Numeric
    – Integer	3	9	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, Level 4 Verified
        (as defined)
	 	 
	112	Co-Borrower
    Asset Verification	A
                                                                                                                                                           code
                                                                                                                                                           indicating
                                                                                                                                                           the
                                                                                                                                                           extent
                                                                                                                                                           to
                                                                                                                                                           which
                                                                                                                                                           the
                                                                                                                                                           co-borrower’s
                                                                                                                                                           assets
                                                                                                                                                           used
                                                                                                                                                           to
                                                                                                                                                           qualify
                                                                                                                                                           the
                                                                                                                                                           loan
                                                                                                                                                           have
                                                                                                                                                           been
                                                                                                                                                           verified:

         

        Level 4 = 2 months of
        bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).

         
	Borrower
    Qualification	Numeric
    – Integer	2	9	If
    “Total Number of Borrowers” > 1	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Not
                                                                                                                                                           Stated,
                                                                                                                                                           Not
                                                                                                                                                           Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

        4 = Stated, Level 4 Verified
        (as defined)
	 	 
	113	Liquid
    / Cash Reserves	The
    actual dollar amount of remaining verified liquid assets after settlement. (This should not include cash out amount of subject
    loan.)	Borrower
    Qualification	Numeric
    – Decimal	3242.76	9(9).99	Always	>=
    0	 	 	 
	114	Monthly
    Debt All Borrowers	The
    aggregate monthly payment due on other debt (excluding only installment loans with fewer than 10 payments remaining and other
    real estate loans used to compute net rental income-- which is added/subtracted in the income fields).	Borrower
    Qualification	Numeric
    – Decimal	3472.43	9(9).99	Always	>=
    0	 	 	 
	115	Originator
    DTI	Total
    Debt to income ratio used by the originator to qualify the loan.	Borrower
    Qualification	Numeric
    – Decimal	0.35	9.999999	Always	>=
    0 and >= 1	 	 	 
	116	Fully
    Indexed Rate	The
    fully indexed interest rate as of securitization cut-off.	Borrower
    Qualification	Numeric
    – Decimal	0.0975	9.999999	ARMs
    Only	>=
    0 and >= 1	 	 	 
	117	Qualification
    Method	Type
    of mortgage payment used to qualify the borrower for the loan.	Borrower
    Qualification	Numeric
    – Integer	3	99	Always	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Start
                                                                                                                                                           Rate

        2 = First Year Cap Rate

        3 = I/O Amount

        4 = Fully Indexed

        5 = Min Payment

        98 = Other

        99 = Unknown
	 	 
	118	Percentage
    of Down Payment from Borrower Own Funds	Include
    only borrower funds, do not include any gift or borrowed funds. (Issuers may provide the actual percentage for each loan,
    or the guideline percentage and note departure concentration on the transaction summary.)	Borrower
    Qualification	Numeric
    – Decimal	0.5	9.999999	Purchase
    Loans Only	>=
    0 and >= 1	 	 	 
	119	City	The
    name of the city.	Subject
    Property	Text	New
    York	X(45)	Always	Unk=Unknown	 	 	 
	120	State	The
    name of the state as a 2-digit Abbreviation.	Subject
    Property	Text	NY	XX	Always	See
    Coding	See
    Appendix H	 	 
	121	Postal
    Code	The
    postal code (zip code in the US) where the subject property is located.	Subject
    Property	Text	10022	X(5)	Always	Unk=Unknown	 	 	 
	122	Property
    Type	Specifies
    the type of property being used to secure the loan.	Subject
    Property	Numeric
    – Integer	11	99	Always	See
    Coding	See
    Appendix D	 	 
	123	Occupancy	Specifies
    the property occupancy status (e.g., owner-occupied, investment property, second home, etc.).	Subject
    Property	Numeric
    – Integer	4	9	Always	See
    Coding	See
    Appendix E	 	 
	124	Sales
    Price	The
    negotiated price of a given property between the buyer and seller.	Subject
    Property	Numeric
    – Decimal	450000.23	9(10).99	Purchase
    Loans Only	>
    0	 	 	 
	125	Original
    Appraised Property Value	The
    appraised value of the property used to approve the loan.	Subject
    Property	Numeric
    – Decimal	550000.23	9(10).99	Always	>
    0	 	 	 
	126	Original
    Property Valuation Type	Specifies
    the method by which the property value (at the time of underwriting) was reported.	Subject
    Property	Numeric
    – Integer	8	99	Always	See
    Coding	See
    Appendix F	 	 
	127	Original
    Property Valuation Date	Specifies
    the date on which the original property value (at the time of underwriting) was reported. (Issuers unable to provide may
    Rep and Warrant that the appraisal used for underwriting was not more than x days old at time of loan closing.)	Subject
    Property	Date	20090914	YYYYMMDD	Always	“19010101”
    if unknown	 	 	 
	128	Original
    Automated Valuation Model (AVM) Model Name	The
    name of the AVM Vendor if an AVM was used to determine the original property valuation.	Subject
    Property	Numeric
    – Integer	1	99	Always	See
    Appendix I	See
    Appendix I	 	 
	129	Original
    AVM Confidence Score	The
    confidence range presented on the AVM report.	Subject
    Property	Numeric
    – Decimal	0.74	9.999999	If
    AVM Model Name (Field 127) > 0	>=
    0 to <= 1	 	 	 
	130	Most
    Recent Property Value[1]	If
    a valuation was obtained subsequent to the valuation used to calculate LTV, the most recent property value.	Subject
    Property	Numeric
    – Decimal	500000	9(10).99	If
    updated value was obtained subsequent to loan approval	>
    0	 	 	 
	131	Most
    Recent Property Valuation Type	If
    an additional property valuation was obtained after the valuation used for underwriting purposes, the method by which the
    property value was reported.	Subject
    Property	Numeric
    – Integer	6	9	If
    updated value was obtained subsequent to loan approval	See
    Coding	See
    Appendix F	 	 
	132	Most
    Recent Property Valuation Date	Specifies
    the date on which the updated property value was reported.	Subject
    Property	Date	20090914	YYYYMMDD	If
    updated value was obtained subsequent to loan approval	“19010101”
    if unknown	 	 	 
	133	Most
    Recent AVM Model Name	The
    name of the AVM Vendor if an AVM was used to determine the updated property valuation.	Subject
    Property	Numeric
    – Integer	19	99	If
    updated value was obtained subsequent to loan approval	See
    Coding	See
    Appendix I	 	 
	134	Most
    Recent AVM Confidence Score	If
    AVM used to determine the updated property valuation, the confidence range presented on the AVM report.	Subject
    Property	Numeric
    – Decimal	0.85	9.999999	If
    “Most Recent AVM Model Name” > 0	>=
    0 to <= 1	 	 	 
	135	Original
    CLTV	The
    ratio obtained by dividing the amount of all known outstanding mortgage liens on a property at origination by the lesser of
    the appraised value or the sales price.  The value is then truncated to four decimal places.	Loan-to-Value
    (LTV)	Numeric
    – Decimal	0.96	9.999999	Always	>=
    0 and <= 1.5	 	 	 
	136	Original
    LTV	The
    ratio obtained by dividing the original mortgage loan amount on the note date by the lesser of the mortgaged property’s
    appraised value on the note date or its purchase price.  The value is then truncated to four decimal places.	Loan-to-Value
    (LTV)	Numeric
    – Decimal	0.8	9.999999	Always	>=
    0 and <= 1.25	 	 	 
	137	Original
    Pledged Assets	The
    total value of assets pledged as collateral for the loan at the time of origination. Pledged assets may include cash or marketable
    securities.	Loan-to-Value
    (LTV)	Numeric
    – Decimal	75000	9(10).99	Always	>=0	 	 	 
	138	Mortgage
    Insurance Company Name	The
    name of the entity providing mortgage insurance for a loan.	Mortgage
    Insurance	Numeric
    – Integer	3	99	Always	See
    Coding	See
    Appendix G	 	 
	139	Mortgage
    Insurance Percent	Mortgage
    Insurance coverage percentage.	Mortgage
    Insurance	Numeric
    – Decimal	0.25	9.999999	“Mortgage
    Insurance Company Name” > 0	>=
    0 to <= 1	 	 	 
	140	MI:
    Lender or Borrower Paid?	An
    indicator of whether mortgage insurance is paid by the borrower or the lender.	Mortgage
    Insurance	Numeric
    – Integer	1	99	“Mortgage
    Insurance Company Name” > 0	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Borrower-Paid

        2 = Lender- Paid

        99 = Unknown
	 	 
	141	Pool
    Insurance Co. Name	Name
    of pool insurance provider.	Mortgage
    Insurance	Numeric
    – Integer	8	99	Always	See
    Coding	See
    Appendix G	 	 
	142	Pool
    Insurance Stop Loss %	The
    aggregate amount that a pool insurer will pay, calculated as a percentage of the pool balance.	Mortgage
    Insurance	Numeric
    – Decimal	0.25	9.999999	Pool
    MI Company > 0	>=
    0 to <= 1	 	 	 
	143	MI
    Certificate Number	The
    unique number assigned to each individual loan insured under an MI policy.	Mortgage
    Insurance	Text	123456789G	X(20)	MI
    Company	UNK
    = Unknown	 	 	 
	>
    0	 
	144	Updated
    DTI	Updated
    front-end DTI ratio (total monthly housing expense divided by total monthly income) used to qualify the loan modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.35	9.999999	Modified
    Loans Only	>=
    0 and >= 1	 	 	 
	(Front-end)	 
	145	Updated
    DTI	Updated
    back-end DTI ratio (total monthly debt expense divided by total monthly income) used to qualify the loan modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.35	9.999999	Modified
    Loans Only	>=
    0 and >= 1	 	 	 
	(Back-end)	 
	146	Modification
    Effective Payment Date	Date
    of first payment due post modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Date	20090914	YYYYMMDD	Modified
    Loans Only	“19010101”
    if unknown	 	 	 
	147	Total
    Capitalized Amount	Amount
    added to the principal balance of a loan due to the modification.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	148	Total
    Deferred Amount	Any
    non-interest-bearing deferred amount (e.g., principal, interest and fees).	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	149	Pre-Modification
    Interest (Note) Rate	Scheduled
    Interest Rate Of The Loan Immediately Preceding The Modification Effective Payment Date.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.075	9.999999	Modified
    Loans Only	>=
    0 to <= 1	 	 	 
	150	Pre-Modification
    P&I Payment	Scheduled
    Total Principal And Interest Payment Amount Preceding The Modification Effective Payment Date – or if servicer is no
    longer advancing P&I, the payment that would be in effect if the loan were current.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	2310.57	9(10).99	Modified
    Loans Only	>
    0	 	 	 
	151	Pre-Modification
    Initial Interest Rate Change Downward Cap	Maximum
    amount the rate can adjust downward on the first interest rate adjustment date (prior to modification) – Only provide
    if the rate floor is modified.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.015	9.999999	Modified
    Loans Only	>=
    0 to <= 1	 	 	 
	152	Pre-Modification
    Subsequent Interest Rate Cap	Maximum
    increment the rate can adjust upward AFTER the initial rate adjustment (prior to modification) – Only provide if the
    Cap is modified.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	0.015	9.999999	Modified
    Loans Only	>=
    0 to <= 1	 	 	 
	153	Pre-Modification
    Next Interest Rate Change Date	Next
    Interest Reset Date Under The Original Terms Of The Loan (one month prior to new payment due date).	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Date	20090914	YYYYMMDD	Modified
    Loans Only	“19010101”
    if unknown	 	 	 
	154	Pre-Modification
    I/O Term	Interest
    Only Term (in months) preceding The Modification Effective Payment Date.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Integer	36	999	Modified
    Loans Only	>=
    0 to <= 120	 	 	 
	155	Forgiven
    Principal Amount	The
    sum total of all principal balance reductions (as a result of loan modification) over the life of the loan.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	156	Forgiven
    Interest Amount	The
    sum total of all interest incurred and forgiven (as a result of loan modification) over the life of the loan.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Decimal	12000	9(10).99	Modified
    Loans Only	>=
    0	 	 	 
	157	Number
    of Modifications	The
    number of times the loan has been modified.	Loan
    Modifications (Pertains only to loans modified for loss mitigation purposes)	Numeric
    – Integer	1	9	Modified
    Loans Only	>=
    0	 	 	 
	158	Cash
    To/From Brrw at Closing	Indicates
    the amount of cash the borrower(s) paid into or received at closing. 
 
 [HUD-1 Bottom Line] + [Earnest money] + [Paid
    Outside Closing Items]	 	Numeric
    – Decimal	100000.01	9(10).99	 	 	 	 	 
	159	Brrw
    - Yrs at in Industry	Number
    of years the primary borrower has been working in their current industry	 	Numeric
    – Decimal	9.9	9.999999	 	 	 	 	 
	160	CoBrrw
    - Yrs at in Industry	Number
    of years the co-borrower has been working in their current industry	 	Numeric
    – Decimal	8	9.999999	 	 	 	 	 
	161	Junior
    Mortgage Drawn Amount	Applicable
    if the subject loan is a first mortgage.   At the time of origination for the subject loan, the sum of the outstanding
    balance(s) for any junior mortgages (HELOCs and closed-end).	 	Numeric
    – Decimal	100000.01	9(10).99	 	 	 	 	 
	162	Maturity
    Date	Maturity
    date of mortgage	 	Date	20420501	YYYYMMDD	 	 	 	 	 
	163	Primary
    Borrower Wage Income (Salary)	The
    primary borrower's salary wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	164	Primary
    Borrower Wage Income (Bonus)	The
    primary borrower's bonus wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	165	Primary
    Borrower Wage Income (Commission)	The
    primary borrower's commission wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	166	Co-Borrower
    Wage Income (Salary)	The
    coborrower's salary wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	167	Co-Borrower
    Wage Income (Bonus)	The
    coborrower's bonus wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	168	Co-Borrower
    Wage Income (Commission)	The
    coborrower's commission wage income	 	Numeric
    – Decimal	10000.44	9(10).99	 	 	 	 	 
	169	Originator
    Doc Code	Documentation
    Code value as presented by the seller.	 	Text	Full	XXXX	 	 	 	 	 
	170	RWT
    Income Verification	Internal
    Redwood Derived field.  Due Diligence / Trade Desk derived value indicating the level of primary borrower asset verification	 	Text	2
    Years	XXXX	 	 	 	 	 
	171	RWT
    Asset Verification	Internal
    Redwood Derived field.  Due Diligence / Trade Desk derived value indicating the level of primary borrower Income verification	 	Text	2
    Months	XXXX	 	 	 	 	 
	MH-1	Real
    Estate Interest	Indicates
    whether the property on which the manufactured home is situated is owned outright or subject to the terms of a short- or long-term
    lease. (A long-term lease is defined as a lease whose term is greater than or equal to the loan term.)	Manufactured
    Housing	Numeric
    – Integer	2	99	Manufactured
    Housing Loans Only	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Owned

        2 = Short-term lease

        3 = Long-term lease

        99 = Unavailable
	 	 
	MH-2	Community
    Ownership Structure	If
    the manufactured home is situated in a community, a means of classifying ownership of the community.	Manufactured
    Housing	Numeric
    – Integer	2	99	Manufactured
    Housing Loans Only	See
    Coding	1
                                                                                                                                                           =
                                                                                                                                                           Public
                                                                                                                                                           Institutional

        2 = Public Non-Institutional

        3 = Private Institutional

        4 = Private Non-Institutional

        5 = HOA-Owned

        6 = Non-Community

        99 = Unavailable
	 	 
	MH-3	Year
    of Manufacture	The
    year in which the home was manufactured (Model Year -- YYYY Format). Required only in cases where a full appraisal is not
    provided.	Manufactured
    Housing	Numeric
    – Integer	2006	YYYY	Manufactured
    Housing Loans Only	1901
    = Unavailable	 	 	 
	MH-4	HUD
    Code Compliance  Indicator (Y/N)	Indicates
    whether the home was constructed in accordance with the 1976 HUD code. In general, homes manufactured after 1976 comply with
    this code.	Manufactured
    Housing	Numeric
    – Integer	1	9	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unavailable
	 	 
	MH-5	Gross
    Manufacturer’s Invoice Price	The
    total amount that appears on the manufacturer’s invoice (typically includes intangible costs such as transportation,
    association, on-site setup, service and warranty costs, taxes, dealer incentives, and other fees).	Manufactured
    Housing	Numeric
    – Decimal	72570.62	9(10).99	Manufactured
    Housing Loans Only	>=
    0	 	 	 
	MH-6	LTI
    (Loan-to-Invoice) Gross	The
    ratio of the loan amount divided by the Gross Manufacturer’s Invoice Price (Field MH-5).	Manufactured
    Housing	Numeric
    – Decimal	0.75	9.999999	Manufactured
    Housing Loans Only	>=
    0 to <= 1	 	 	 
	MH-7	Net
    Manufacturer’s Invoice Price	The
    Gross Manufacturer’s Invoice Price (Field MH-5) minus intangible costs, including: transportation, association,
    on-site setup, service, and warranty costs, taxes, dealer incentives, and other fees.	Manufactured
    Housing	Numeric
    – Decimal	61570.62	9(10).99	Manufactured
    Housing Loans Only	>=
    0	 	 	 
	MH-8	LTI
    (Net)	The
    ratio of the loan amount divided by the Net Manufacturer’s Invoice Price (Field MH-7).	Manufactured
    Housing	Numeric
    – Decimal	0.62	9.999999	Manufactured
    Housing Loans Only	>=
    0 to <= 1	 	 	 
	MH-9	Manufacturer
    Name	The
    manufacturer of the subject property. (To be applied only in cases where no appraised value/other type of property valuation
    is available.)	Manufactured
    Housing	Text	“XYZ
    Corp”	Char
    (100)	Manufactured
    Housing Loans Only (where no appraised value is provided)	MH
    Manufacturer name in double quotation marks	 	 	 
	MH-10	Model
    Name	The
    model name of the subject property. (To be applied only in cases where no appraised value/other type of property valuation
    is available.)	Manufactured
    Housing	Text	“DX5-916-X”	Char
    (100)	Manufactured
    Housing Loans Only (where no appraised value is provided)	MH
    Model name in double quotation marks	 	 	 
	MH-11	Down
    Payment Source	An
    indicator of the source of the down payment used by the borrower to acquire the property and qualify for the mortgage.	Manufactured
    Housing	Numeric
    – Integer	2	99	Manufactured
    Housing Loans Only	See
    Codes	1
                                                                                                                                                           =
                                                                                                                                                           Cash

        2 = Proceeds from trade
        in

        3 = Land in Lieu

        4 = Other

        99 = Unavailable
	 	 
	MH-12	Community/Related
    Party Lender (Y/N)	An
    indicator of whether the loan was made by the community owner, an affiliate of the community owner or the owner of the real
    estate upon which the collateral is located.	Manufactured
    Housing	Numeric
    – Integer	1	99	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unavailable
	 	 
	MH-13	Defined
    Underwriting Criteria (Y/N)	An
    indicator of whether the loan was made in accordance with a defined and/or standardized set of underwriting criteria.	Manufactured
    Housing	Numeric
    – Integer	1	99	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           No

        1 = Yes

        99 = Unavailable
	 	 
	MH-14	Chattel
    Indicator	An
    Indicator of whether the secured property is classified as chattel or Real Estate.	Manufactured
    Housing	Numeric
    – Integer	1	99	Manufactured
    Housing Loans Only	See
    Codes	0
                                                                                                                                                           =
                                                                                                                                                           Real
                                                                                                                                                           Estate

        1 = Chattel

        99 = Unavailable
	 	 

 

 

 

  

    	I-1

    	 

    

  

APPENDIX A

 

MODIFICATIONS TO THE
FLOW SERVICING AGREEMENT

 

1.          The
definition of “Assumed Principal Balance” in Section 1 is revised to read in its entirety as follows:

 

“Assumed
Principal Balance: As to each Mortgage Loan as of any date of determination, (i) the principal balance of the Mortgage
Loan outstanding as of the Cut-off Date after application of payments due on or before the Cut-off Date, whether or not received,
minus (ii) all amounts previously distributed to the Owner with respect to the Mortgage Loan pursuant to Subsection 11.15 and
representing (a) payments or other recoveries of principal or (b) advances of scheduled principal payments made pursuant to Subsection
11.17.”

 

2.          The
definition of “Business Day” in Section 1 is revised to read in its entirety as follows:

 

“Business
Day: Any day other than (i) a Saturday or a Sunday, or (ii) a legal holiday in the State of New York, the State of New Jersey,
the State of California, the State of Delaware, the State of Maryland or the State of Minnesota, or (iii) a day on which banks
in the State of New York, the State of New Jersey, the State of California, the State of Delaware, the State of Maryland or the
State of Minnesota are authorized or obligated by law or executive order to be closed.”

 

3.          The
definition of “Closing Date” in Section 1 is revised to read in its entirety as follows:

 

“Closing
Date: June 27, 2012, except with respect to Section 3 and the Servicer Acknowledgement(s).”

 

4.          The
definition of “Cut-off Date” in Section 1 is revised to read in its entirety as follows:

 

“Cut-off
Date: June 1, 2012, except with respect to the Servicer Acknowledgement(s).”

 

5.          The
definition of “First Remittance Date” in Section 1 is revised to read in its entirety as follows:

 

    	A-1

    	 

    

 

“
First Remittance Date: July 25, 2012.”

 

6.          A
new definition of “MERS Event” is hereby added to Section 1, to be inserted alphabetically and to read in its entirety
as follows:

 

“MERS Event:
The occurrence of any of the following events:

 

(i)          a
Monthly Payment on a MERS Mortgage Loan has not been received within 60 days of its Due Date;

 

(ii)         a
court of competent jurisdiction in a particular state rules that MERS is not an appropriate, permissible or authorized system
for transferring ownership of Mortgage Loans in that state; or

 

(iii)        (A)
a decree or order of a court or agency or supervisory authority having jurisdiction for the appointment of a conservator or receiver
or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings, or for the
winding-up or liquidation of its affairs, shall have been entered against MERS, and such decree or order shall have remained in
force undischarged or unstayed for a period of 60 days; or (B) MERS shall consent to the appointment of a conservator or receiver
or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities, voluntary liquidation or similar
proceedings of or relating to MERS or of or relating to all or substantially all of its property; or (C) MERS shall admit in writing
its inability to pay its debts generally as they become due, file a petition to take advantage of any applicable insolvency or
reorganization statute, make an assignment for the benefit of its creditors or voluntarily suspend payment of its obligations.

 

With respect to the
event described in clause (ii), a MERS Event will be deemed to have occurred with respect to all Mortgage Loans in the related
state, and with respect to any of the events described in clause (iii), a MERS Event will be deemed to have occurred with respect
to all of the Mortgage Loans.”

 

7.          A
new definition of “Servicing Administrator” is hereby added to Section 1, to be inserted alphabetically and to read
in its entirety as follows:

 

“Servicing
Administrator: Redwood Residential Acquisition Corporation or its successor in interest.”

 

8.          Owner
Representation Correction

 

In
the first sentence of Subsection 7.02(a), the phrase “federal savings bank” is replaced by the phrase “Delaware
corporation” and the term “United States” is replaced by the term “Delaware”.

 

9.          Subsection
11.01(e), first sentence is revised to read in its entirety as follows:

 

    	A-2

    	 

    

 

“Consistent with
the terms of this Agreement, and subject to the REMIC Provisions if the Mortgage Loans have been transferred to a REMIC, 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; provided, however, that the Servicer shall not enter into any payment
plan or agreement to modify payments with a Mortgagor lasting more than six (6) months or permit any modification with respect
to any Mortgage Loan that would change the Mortgage Interest Rate, the Lifetime Rate Cap (if applicable), the Initial Rate Cap
(if applicable), the Periodic Rate Cap (if applicable) or the Gross Margin (if applicable), agree to the capitalization of arrearages,
including interest, fees or expenses owed under the Mortgage Loan, make any future advances or extend the final maturity date
with respect to such Mortgage Loan (provided that the Servicer shall in no event extend the final maturity date past July 25,
2042 or, if such 25th day is not a Business Day, the next succeeding Business Day), or accept substitute or additional
collateral or release any collateral for such Mortgage Loan, unless (1) the Mortgagor is in default with respect to the Mortgage
Loan, or such default is, in the judgment of the Servicer, imminent, (2) the modification is in accordance with the customary
procedures of the Servicer, which may change from time to time, or industry-accepted programs, and (3) the Owner has approved
such action.”

 

10.         Subsection
11.03, third sentence is revised to read in its entirety as follows:

 

“Mortgage
Loan payments received by the Servicer will be deposited into a clearing account that is insured by the FDIC on the same day of
receipt, unless such payments are received after 4:00 p.m. New York time, in which case such payments will be deposited on the
following Business Day.”

 

11.         Subsection
11.04, first sentence of the first paragraph is revised to read in its entirety as follows:

 

“The
Servicer shall segregate and hold all funds collected and received pursuant to each Mortgage Loan separate and apart from any
of its own funds and general assets and shall establish and maintain one or more Custodial Accounts (collectively, the “Custodial
Account”), titled “Christiana Trust, a division of Wilmington Savings Fund Society, FSB, in trust for the holders
of Sequoia Mortgage Trust 2012-3 Mortgage Pass-Through Certificates.”

 

12.         Subsection
11.04, subclause (f) of the second paragraph is revised to read in its entirety as follows:

 

“(f)       any
amount required to be deposited in the Custodial Account pursuant to Subsections 11.15, 11.17, 11.19 and 11.25.”

 

13.         Notwithstanding
anything to the contrary in the Flow Servicing Agreement, any Custodial Accounts established by the Servicer pursuant to Subsection
11.04 of the Flow Servicing Agreement shall qualify as Eligible Accounts as defined in the Pooling and Servicing Agreement.

 

    	A-3

    	 

    

 

14.
        Paragraphs (b), (c), (d) and (f) of Subsection 11.05 are revised to read in their entirety as follows:

 

(b)          to
reimburse the Servicing Administrator for P&I Advances, the Servicing Administrator’s right to reimbursement pursuant
to this subclause (b) with respect to any Mortgage Loan being limited to related Liquidation Proceeds, Condemnation Proceeds,
Insurance Proceeds and such other amounts as may be collected by the Servicer from the related Mortgagor or otherwise relating
to the Mortgage Loan, it being understood that, in the case of any such reimbursement, the Servicing Administrator’s right
thereto shall be prior to the rights of the Owner with respect to such Mortgage Loan;

 

(c)          to
reimburse itself or the Servicing Administrator for any unpaid portion of any Servicing Fees and for unreimbursed Servicing Advances
made by the Servicer or the Servicing Administrator, the Servicer’s right to reimburse itself or the Servicing Administrator
pursuant to this subclause (c) with respect to any Mortgage Loan being limited to related Liquidation Proceeds, Condemnation Proceeds,
Insurance Proceeds and such other amounts as may be collected by the Servicer from the related Mortgagor or otherwise relating
to the Mortgage Loan, it being understood that, in the case of any such reimbursement, the rights of the Servicer and Servicing
Administrator thereto shall be prior to the rights of the Owner unless the Servicing Administrator is required to pay the Prepayment
Interest Shortfall pursuant to Subsection 11.15, in which case the Servicing Administrator’s right to such reimbursement
shall be subsequent to the payment to the Owner of such shortfall;

 

(d)          to
reimburse itself or the Servicing Administrator for unreimbursed Servicing Advances, to the extent that such amounts are nonrecoverable
(as certified by the Servicer or the Servicing Administrator, as applicable, to the Owner in an Officer’s Certificate) by
the Servicer or the Servicing Administrator, as applicable, pursuant to subclause (c) above;

 

. . .

 

(f)          to
reimburse the Servicing Administrator for unreimbursed P&I Advances, to the extent that such amounts are nonrecoverable (as
certified by the Servicing Administrator to the Owner in an Officer’s Certificate) by the Servicing Administrator pursuant
to subclause (b) above;

 

15.         Amendments
to Subsection 11.13

 

(a)          Subsection
11.13 is revised by deleting the first sentence and replacing it in its entirety with the following:

 

    	A-4

    	 

    

 

“Subject to Subsection
11.02, in the event that title to the Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure, the deed
or certificate of sale shall be taken in the name of the trust created by the Pooling and Servicing Agreement, where permitted
by applicable law or regulation and consistent with Customary Servicing Procedures, and otherwise, in the name of the trustee
of the Trust or its nominee.”

 

(b)          Subsection
11.13 is further revised to add the following paragraphs at the end of the section:

 

“The
REO Property must be sold within three years following the end of the calendar year of the date of acquisition if a REMIC election
has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, unless (i) the Owner shall
have been supplied with an Opinion of Counsel (at the expense of the Servicing Administrator) to the effect that the holding by
the related trust of such Mortgaged Property subsequent to such three-year period (and specifying the period beyond such three-year
period for which the Mortgaged Property may be held) will not result in the imposition of taxes on “prohibited transactions”
of the related trust as defined in Section 860F of the Code, or cause the related REMIC to fail to qualify as a REMIC, in which
case the related trust may continue to hold such Mortgaged Property (subject to any conditions contained in such Opinion of Counsel),
or (ii) the Owner (at the Servicer’s expense) or the Servicer shall have applied for, prior to the expiration of such three-year
period, an extension of such three-year period in the manner contemplated by Section 856(e)(3) of the Code, in which case the
three-year period shall be extended by the applicable period. If a period longer than three years is permitted under the foregoing
sentence and is necessary to sell any REO Property, the Servicer shall report monthly to the Owner as to progress being made in
selling such REO Property.

 

Notwithstanding
any other provision of this Agreement, if a REMIC election has been made, no Mortgaged Property held by a REMIC shall be rented
(or allowed to continue to be rented) or otherwise used for the production of income by or on behalf of the related trust or sold
in such a manner or pursuant to any terms that would (i) cause such Mortgaged Property to fail to qualify at any time as “foreclosure
property” within the meaning of Section 860G(a)(8) of the Code, (ii) subject the related trust to the imposition of any
federal or state income taxes on “net income from foreclosure property” with respect to such Mortgaged Property within
the meaning of Section 860G(c) of the Code, or (iii) cause the sale of such Mortgaged Property to result in the receipt by the
related trust of any income from non-permitted assets as described in Section 860F(a) (2)(B) of the Code, unless the Servicer
has agreed to indemnify and hold harmless the related trust with respect to the imposition of any such taxes.”

 

16.         Servicer
Reports. The Servicer shall provide monthly reports to the Purchaser pursuant to Subsection 11.16 in the formats attached
hereto as Exhibits 4 and 5, or in such other format as the Servicer, the Purchaser and the Depositor shall agree in writing.

 

17.         Subsection
11.17 is revised to read in its entirety as follows:

 

    	A-5

    	 

    

 

“Subsection 11.17         Advances
by the Servicer or Servicing Administrator.

 

No later
than two Business Days immediately preceding each related Remittance Date, the Servicer shall either (a) deposit in the Custodial
Account from funds provided by the Servicing Administrator pursuant to Subsection 11.25 an amount equal to the aggregate amount
of all Monthly Payments (with interest adjusted to the Mortgage Loan Remittance Rate) which were due on the Mortgage Loans during
the applicable Due Period and which were delinquent at the close of business on the immediately preceding Determination Date,
(b) cause to be made an appropriate entry in the records of the Custodial Account that amounts held for future distribution
have been, as permitted by this Subsection 11.17, used by the Servicer in discharge of any such P&I Advance or (c) make
P&I Advances in the form of any combination of (a) or (b) aggregating the total amount of advances to be made, subject to
Subsection 11.25. Any amounts held for future distribution and so used shall be replaced by the Servicing Administrator by deposit
in the Custodial Account on or before any future Remittance Date if funds in the Custodial Account on such Remittance Date shall
be less than payments to the Owner required to be made on such Remittance Date. The Servicing Administrator’s obligation
to make P&I Advances as to any Mortgage Loan will continue through the last Monthly Payment due prior to the payment in full
of a Mortgage Loan, or through the last related Remittance Date prior to the Remittance Date for the distribution of all other
payments or recoveries (including proceeds under any title, hazard or other insurance policy, or condemnation awards) with respect
to a Mortgage Loan; provided, however, that such obligation shall cease if the Servicing Administrator, in its good faith
judgment, determines that such P&I Advances would not be recoverable pursuant to Subsection 11.05(b). The determination
by the Servicing Administrator that a P&I Advance, if made, would be nonrecoverable, shall be evidenced by an Officer’s
Certificate of the Servicing Administrator delivered to the Owner, which details the reasons for such determination. Neither the
Servicing Administrator nor the Servicer shall have any obligation to advance amounts in respect of shortfalls relating to the
Servicemembers Civil Relief Act and similar state and local laws.

 

18.         The
first sentence of Subsection 11.18 is revised to read in its entirety as follows:

 

“The Servicer will use
its best efforts to enforce any “due-on-sale” provision contained in any Mortgage or Mortgage Note; provided that,
subject to the Owner’s prior approval for the release of liability from the original borrower, the Servicer shall permit
such assumption if so required in accordance with the terms of the Mortgage or the Mortgage Note.”

 

    	A-6

    	 

    

 

19.         The
Flow Servicing Agreement is modified by adding a new Subsection 11.26 which reads in its entirety as follows:

 

“Subsection 11.26 Compliance
with REMIC Provisions.

 

If a REMIC
election has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, the Servicer
shall not take any action, cause the REMIC to take any action or fail to take (or fail to cause to be taken) any action that,
under the REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger the status of the REMIC as a REMIC or
(ii) result in the imposition of a tax upon the REMIC (including but not limited to the tax on “prohibited transactions”
as defined in Section 860F(a)(2) of the Code and the tax on “contribution” to a REMIC set forth in Section 860G(d)
of the Code unless the Servicer has received an Opinion of Counsel (at the expense of the party seeking to take such actions)
to the effect that the contemplated action will not endanger such REMIC status or result in the imposition of any such tax.”

 

20.         The
Flow Servicing Agreement is modified by adding a new subsection 11.27 which reads in its entirety as follows:

 

“Subsection 11.27 MERS
Event.

 

The Servicer
shall prepare and submit an assignment to remove from the MERS System each MERS Mortgage Loan that is subject to a MERS Event
within 15 Business Days of the occurrence of such MERS Event. The Servicer shall notify the Master Servicer and Trustee upon the
removal of a MERS Mortgage Loan from the MERS System.”

 

21.         The
first sentence of Subsection 12.01(b) is revised to read in its entirety as follows:

 

The Servicer
shall promptly notify the Owner if a claim is made by a third party with respect to this Agreement or the Mortgage Loans, and
the Servicer shall assume the defense of any such claim and pay all expenses in connection therewith, including counsel fees.

 

22.         Subsection
12.04 is revised to read in its entirety as follows:

 

“Subsection 12.04         Servicer
Not to Resign.

 

The Servicer
shall not assign this Agreement or resign from the obligations and duties hereby imposed on it except by mutual consent of the
Servicer and the Owner or upon the determination that the Servicer’s duties hereunder are no longer permissible under applicable
law and such incapacity cannot be cured by the Servicer. No such resignation of or assignment by the Servicer shall become effective
until a successor has assumed the Servicer’s responsibilities and obligations hereunder in accordance with Subsection 14.02.”

 

    	A-7

    	 

    

 

 

EXHIBIT 4

 

FORM OF MONTHLY LOSS REPORT

 

Exhibit
: Calculation of Realized Loss/Gain Form 332– Instruction Sheet

NOTE: Do not net or combine items. Show all expenses
individually and all credits as separate line items. Claim packages are due on the remittance report date. Late submissions may
result in claims not being passed until the following month. The Servicer is responsible to remit all funds pending loss approval
and /or resolution of any disputed items. 

 

(a)          

 

(b)          The
numbers on the 332 form correspond with the numbers listed below.

 

Liquidation and Acquisition Expenses:

		1.	The Actual Unpaid Principal Balance of the Mortgage Loan.
For documentation, an Amortization Schedule from date of default through liquidation breaking out the net interest and servicing
fees advanced is required.

 

		2.	The Total Interest Due less the aggregate amount of servicing
fee that would have been earned if all delinquent payments had been made as agreed. For documentation, an Amortization Schedule
from date of default through liquidation breaking out the net interest and servicing fees advanced is required.

 

		3.	Accrued Servicing Fees based upon
                                                            the Scheduled Principal Balance of the Mortgage Loan as calculated
                                                            on a monthly basis. For documentation, an Amortization Schedule from
                                                            date of default through liquidation breaking out the net interest
                                                            and servicing fees advanced is required.

 

		4-12.	Complete as applicable. Required documentation:

 

		*	For taxes and insurance advances – see page 2 of
332 form - breakdown required showing period of coverage, base tax, interest, penalty. Advances prior to default require evidence
of servicer efforts to recover advances.

 

		*	For escrow advances - complete payment history (to calculate
advances from last positive escrow balance forward)

 

		*	Other expenses -  copies of corporate advance history
showing all payments

 

		*	REO repairs > $1500 require explanation

 

		*	REO repairs >$3000 require evidence of at least 2
bids.

 

		*	Short Sale or Charge Off require P&L supporting the
decision and WFB’s approved Officer Certificate

 

		*	Unusual or extraordinary items may require further documentation.

 

		13.	The total of lines 1 through 12.

 

		(c)	Credits:

 

14-21.   Complete
as applicable. Required documentation:

 

* Copy of
the HUD 1 from the REO sale. If a 3rd Party Sale, bid instructions and Escrow Agent / Attorney

 

    	 

    	 

    

 

Letter of
Proceeds Breakdown.

 

		*	Copy of EOB for any MI or gov't guarantee

 

		*	All other credits need to be clearly defined on the 332
form

 

22.         The
total of lines 14 through 21.

 

		Please Note:	For HUD/VA loans, use line (18a) for Part A/Initial proceeds
and line (18b) for Part B/Supplemental proceeds.

 

Total Realized Loss (or
Amount of Any Gain)

		23.	The
total derived from subtracting line 22 from 13. If the amount represents a realized gain, show the amount in parenthesis
(     ).

 

    	 

    	 

    

 

Exhibit
3A: Calculation of Realized Loss/Gain Form 332 

 

	Prepared by: 	 	 	Date:	 	 
	Phone:	 	 	Email Address: 	 	 

 

	Servicer Loan No.	 	Servicer Name	 	Servicer Address 
	 	 	 	 	 
	 	 	 	 	 

 

WELLS
FARGO BANK, N.A. Loan No._____________________________

 

Borrower's Name: _________________________________________________________

Property Address: _________________________________________________________

  

	Liquidation Type:	REO Sale	3rd Party Sale	Short Sale	Charge Off

 

Was this loan granted a Bankruptcy deficiency
or cramdown                  Yes                  No                  

If “Yes”, provide deficiency
or cramdown amount _______________________________

 

	Liquidation and Acquisition Expenses:	 	 	 
	(1)	 	Actual Unpaid Principal Balance of Mortgage Loan	 	$ ______________	(1)
	(2)	 	Interest accrued at Net Rate	 	________________	(2)
	(3)	 	Accrued Servicing Fees	 	________________	(3)
	(4)	 	Attorney's Fees	 	________________	(4)
	(5)	 	Taxes (see page 2)	 	________________	(5)
	(6)	 	Property Maintenance	 	________________	(6)
	(7)	 	MI/Hazard Insurance Premiums (see page 2)	 	________________	(7)
	(8)	 	Utility Expenses	 	________________	(8)
	(9)	 	Appraisal/BPO	 	________________	(9)
	(10)	 	Property Inspections	 	________________	(10)
	(11)	 	FC Costs/Other Legal Expenses	 	________________	(11)
	(12)	 	Other (itemize)	 	________________	(12)
	 	 	Cash for Keys__________________________	 	________________	(12)
	 	 	HOA/Condo Fees_______________________	 	________________	(12)
	 	 	_____________________________________	 	________________	(12)
	 	 	 	 	 	 
	 	 	Total Expenses	 	$ _______________	(13)
	Credits:	 	 	 
	(14)	 	Escrow Balance	 	$ _______________	(14)
	(15)	 	HIP Refund	 	________________	(15)
	(16)	 	Rental Receipts	 	________________	(16)
	(17)	 	Hazard Loss Proceeds	 	________________	(17)
	(18)	 	Primary Mortgage Insurance / Gov’t Insurance	 	 	 
	HUD Part A	 	________________	(18a)
	HUD Part B	 	________________	(18b)
	(19)	 	Pool Insurance Proceeds	 	________________	(19)
	(20)	 	Proceeds from Sale of Acquired Property	 	________________	(20)
	(21)	 	Other (itemize)	 	________________	(21)
	 	 	_________________________________________	 	________________	(21)
	 	 	 	 	 	 
	 	 	Total Credits	 	$________________	(22)
	Total Realized Loss (or Amount of Gain)	 	$________________	(23)

 

    	 

    	 

    

 

Escrow Disbursement Detail

 

	Type

        (Tax /Ins.)
	 	Date Paid	 	Period of

        Coverage
	 	Total Paid	 	Base

        Amount
	 	Penalties	 	Interest
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

EXHIBIT 5

 

FORM OF DELINQUENCY REPORTING

 

Exhibit
: Standard File Layout – Delinquency Reporting 

 

*The column/header names in bold
are the minimum fields Wells Fargo must receive from every Servicer 

	Column/Header Name	 	Description	 	Decimal	 	Format

        Comment

	 	 	 	 	 	 	 
	SERVICER_LOAN_NBR	 	A unique number assigned to a
    loan by the Servicer.

This may be different than the LOAN_NBR	 	 	 	 
	 	 	 	 	 	 	 
	LOAN_NBR	 	A unique identifier assigned
    to each loan by the

originator.	 	 	 	 
	 	 	 	 	 	 	 
	CLIENT_NBR	 	Servicer Client Number	 	 	 	 
	 	 	 	 	 	 	 
	SERV_INVESTOR_NBR	 	Contains a unique number as assigned
    by an

external servicer to identify a group of loans in

their system.	 	 	 	 
	 	 	 	 	 	 	 
	BORROWER_FIRST_NAME	 	First Name of the Borrower.	 	 	 	 
	 	 	 	 	 	 	 
	BORROWER_LAST_NAME	 	Last name of the borrower.	 	 	 	 
	 	 	 	 	 	 	 
	PROP_ADDRESS	 	Street Name and Number of Property	 	 	 	 
	 	 	 	 	 	 	 
	PROP_STATE	 	The state where the property
    located.	 	 	 	 
	 	 	 	 	 	 	 
	PROP_ZIP	 	Zip code where the property is
    located.	 	 	 	 
	 	 	 	 	 	 	 
	BORR_NEXT_PAY_DUE_DATE	 	The date that the borrower's
    next payment is due

to the servicer at the end of processing cycle, as

reported by Servicer.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LOAN_TYPE	 	Loan Type (i.e. FHA, VA, Conv)	 	 	 	 
	 	 	 	 	 	 	 
	BANKRUPTCY_FILED_DATE	 	The date a particular bankruptcy
    claim was filed.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	BANKRUPTCY_CHAPTER_CODE	 	The chapter under which the bankruptcy
    was filed.	 	 	 	 
	 	 	 	 	 	 	 
	BANKRUPTCY_CASE_NBR	 	The case number assigned by the
    court to the bankruptcy filing.	 	 	 	 
	 	 	 	 	 	 	 
	POST_PETITION_DUE_DATE	 	The payment due date once the
    bankruptcy has

been approved by the courts	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	BANKRUPTCY_DCHRG_DISM_DATE	 	The Date The Loan Is Removed
    From Bankruptcy.

Either by Dismissal, Discharged and/or a Motion For

Relief Was Granted. 	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LOSS_MIT_APPR_DATE	 	The Date The Loss Mitigation
    Was Approved By The Servicer	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LOSS_MIT_TYPE	 	The Type Of Loss Mitigation Approved
    For A Loan Such As;	 	 	 	 

 

    	 

    	 

    

 

	Column/Header Name	 	Description	 	Decimal	 	Format

        Comment

	 	 	 	 	 	 	 
	LOSS_MIT_EST_COMP_DATE	 	The Date The Loss
    Mitigation /Plan Is Scheduled To

End/Close	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LOSS_MIT_ACT_COMP_DATE	 	The Date The Loss Mitigation
    Is Actually Completed	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_APPROVED_DATE	 	The date DA Admin sends a letter
    to the servicer

with instructions to begin foreclosure

proceedings.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	ATTORNEY_REFERRAL_DATE	 	Date File Was Referred To Attorney
    to Pursue

Foreclosure	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FIRST_LEGAL_DATE	 	Notice of 1st legal filed by
    an Attorney in a

Foreclosure Action	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_SALE_EXPECTED_DATE	 	The date by which a foreclosure
    sale is expected to occur.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_SALE_DATE	 	The actual date of the foreclosure
    sale.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_SALE_AMT	 	The amount a property sold for
    at the

foreclosure sale.	 	2	 	No commas(,)

or dollar

signs ($)
	 	 	 	 	 	 	 
	EVICTION_START_DATE	 	The date the servicer initiates
    eviction of the borrower.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	EVICTION_COMPLETED_DATE	 	The date the court revokes legal
    possession of

the property from the borrower.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	LIST_PRICE	 	The price at which an REO property
    is marketed.	 	2	 	No commas(,)

or dollar

signs ($)
	 	 	 	 	 	 	 
	LIST_DATE	 	The date an REO property is listed
    at a particular

price.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	OFFER_AMT	 	The dollar value of an offer
    for an REO property.	 	2	 	No commas(,)

or dollar

signs ($)
	 	 	 	 	 	 	 
	OFFER_DATE_TIME	 	The date an offer is received
    by DA Admin or by the

Servicer.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	REO_CLOSING_DATE	 	The date the REO sale of the
    property is scheduled

to close.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	REO_ACTUAL_CLOSING_DATE	 	Actual Date Of REO Sale	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	OCCUPANT_CODE	 	Classification of how the property
    is occupied.	 	 	 	 
	 	 	 	 	 	 	 
	PROP_CONDITION_CODE	 	A code that indicates the condition
    of the

property.	 	 	 	 
	 	 	 	 	 	 	 
	PROP_INSPECTION_DATE	 	The date a property inspection
    is performed.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	APPRAISAL_DATE	 	The date the appraisal was done.	 	 	 	MM/DD/YYYY

 

    	 

    	 

    

 

	Column/Header Name	 	Description	 	Decimal	 	Format

        Comment

	 	 	 	 	 	 	 
	CURR_PROP_VAL	 	 The current
    "as is" value of the property based on

brokers price opinion or appraisal.	 	2	 	 
	 	 	 	 	 	 	 
	REPAIRED_PROP_VAL	 	The amount the property would
    be worth if repairs

are completed pursuant to a broker's price opinion

or appraisal.	 	2	 	 
	 	 	 	 	 	 	 
	If
    applicable:	 	 	 	 	 	 
	 	 	 	 	 	 	 
	DELINQ_STATUS_CODE	 	FNMA Code Describing Status of
    Loan	 	 	 	 
	 	 	 	 	 	 	 
	DELINQ_REASON_CODE	 	The circumstances which caused
    a borrower to

stop paying on a loan. Code indicates the reason

why the loan is in default for this cycle.	 	 	 	 
	 	 	 	 	 	 	 
	MI_CLAIM_FILED_DATE	 	Date Mortgage Insurance Claim
    Was Filed With

Mortgage Insurance Company.	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	MI_CLAIM_AMT	 	Amount of Mortgage Insurance
    Claim Filed	 	 	 	No commas(,)

or dollar

signs ($)
	 	 	 	 	 	 	 
	MI_CLAIM_PAID_DATE	 	Date Mortgage Insurance Company
    Disbursed Claim

Payment	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	MI_CLAIM_AMT_PAID	 	Amount Mortgage Insurance Company
    Paid On Claim	 	2	 	No commas(,)

or dollar

signs ($)
	 	 	 	 	 	 	 
	POOL_CLAIM_FILED_DATE	 	Date Claim Was Filed With Pool
    Insurance Company	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	POOL_CLAIM_AMT	 	Amount of Claim Filed With Pool
    Insurance Company	 	2	 	No commas(,)

or dollar

signs ($)
	 	 	 	 	 	 	 
	POOL_CLAIM_PAID_DATE	 	Date Claim Was Settled and The
    Check Was Issued By

The Pool Insurer	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	POOL_CLAIM_AMT_PAID	 	Amount Paid On Claim By Pool
    Insurance Company	 	2	 	No commas(,)

or dollar

signs ($)
	 	 	 	 	 	 	 
	FHA_PART_A_CLAIM_FILED_DATE	 	 Date FHA Part A
    Claim Was Filed With HUD	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FHA_PART_A_CLAIM_AMT	 	 Amount of FHA Part
    A Claim Filed	 	2	 	No commas(,)

or dollar

signs ($)
	 	 	 	 	 	 	 
	FHA_PART_A_CLAIM_PAID_DATE	 	 Date HUD Disbursed
    Part A Claim Payment	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FHA_PART_A_CLAIM_PAID_AMT	 	 Amount HUD Paid
    on Part A Claim	 	2	 	No commas(,)

or dollar

signs ($)
	 	 	 	 	 	 	 
	FHA_PART_B_CLAIM_FILED_DATE	 	  Date
    FHA Part B Claim Was Filed With HUD	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FHA_PART_B_CLAIM_AMT	 	  Amount of
    FHA Part B Claim Filed	 	2	 	No commas(,)

or dollar

signs ($)

 

    	 

    	 

    

  

	Column/Header Name	 	Description	 	Decimal	 	Format

        Comment

	 	 	 	 	 	 	 
	FHA_PART_B_CLAIM_PAID_DATE	 	   Date
    HUD Disbursed Part B Claim Payment	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FHA_PART_B_CLAIM_PAID_AMT	 	 Amount
    HUD Paid on Part B Claim	 	2	 	No commas(,)

or dollar

signs ($)
	 	 	 	 	 	 	 
	VA_CLAIM_FILED_DATE	 	 Date VA Claim Was
    Filed With the Veterans Admin	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	VA_CLAIM_PAID_DATE	 	 Date
    Veterans Admin. Disbursed VA Claim Payment	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	VA_CLAIM_PAID_AMT	 	 Amount
    Veterans Admin. Paid on VA Claim	 	2	 	No commas(,)

or dollar

signs ($)
	 	 	 	 	 	 	 
	MOTION_FOR_RELIEF_DATE	 	The date the Motion for Relief was filed	 	10	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	FRCLSR_BID_AMT	 	The foreclosure sale bid amount	 	11	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	FRCLSR_SALE_TYPE	 	The foreclosure sales results: REO, Third Party, Conveyance to HUD/VA	 	 	 	 
	 	 	 	 	 	 	 
	REO_PROCEEDS	 	The net proceeds from the sale of the REO property.	 	 	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	BPO_DATE	 	The date the BPO was done.	 	 	 	 
	 	 	 	 	 	 	 
	CURRENT_FICO	 	The current FICO score	 	 	 	 
	 	 	 	 	 	 	 
	HAZARD_CLAIM_FILED_DATE	 	The date the Hazard Claim was filed with the Hazard Insurance Company.	 	10	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	HAZARD_CLAIM_AMT	 	The amount of the Hazard Insurance Claim filed.	 	11	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	HAZARD_CLAIM_PAID_DATE	 	The date the Hazard Insurance Company disbursed the claim payment.	 	10	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	HAZARD_CLAIM_PAID_AMT	 	The amount the Hazard Insurance Company paid on the claim.	 	11	 	No commas(,) or dollar signs ($)
	 	 	 	 	 	 	 
	ACTION_CODE	 	Indicates loan status	 	 	 	Number
	 	 	 	 	 	 	 
	NOD_DATE	 	 	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	NOI_DATE	 	 	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	ACTUAL_PAYMENT_PLAN_START_DATE	 	 	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	ACTUAL_PAYMENT_ PLAN_END_DATE	 	 	 	 	 	 
	 	 	 	 	 	 	 
	ACTUAL_REO_START_DATE	 	 	 	 	 	MM/DD/YYYY
	 	 	 	 	 	 	 
	REO_SALES_PRICE	 	 	 	 	 	Number
		 	 	 	 	 	 
	REALIZED_LOSS/GAIN	 	As defined in the Servicing Agreement	 	 	 	Number

 

    	 

    	 

    

 

Exhibit
2: Standard File Codes – Delinquency Reporting 

 

The Loss Mit Type field should show the approved
Loss Mitigation Code as follows:

		·	ASUM-	Approved Assumption

		·	BAP-        	Borrower Assistance Program

		·	CO-	 Charge Off

		·	DIL-	Deed-in-Lieu

		·	FFA-	 Formal Forbearance Agreement

		·	MOD-	 Loan Modification

		·	PRE-	Pre-Sale

		·	SS-	 Short Sale

		·	MISC-	Anything
else approved by the PMI or Pool Insurer

 

NOTE: Wells Fargo Bank will accept alternative
Loss Mitigation Types to those above, provided that they are consistent with industry standards. If Loss Mitigation Types other
than those above are used, the Servicer must supply Wells Fargo Bank with a description of each of the Loss Mitigation Types prior
to sending the file.

 

The Occupant Code field should show the current
status of the property code as follows:

		·	Mortgagor

		·	Tenant

		·	Unknown
                                                                                                     

		·	Vacant

 

The Property Condition field should show the
last reported condition of the property as follows:

		·	Damaged

		·	Excellent

		·	Fair

		·	Gone

		·	Good

		·	Poor

		·	Special
                                                                                                              Hazard

		·	Unknown

    	 

    	 

    

 

Exhibit
2: Standard File Codes – Delinquency Reporting, Continued 

 

The FNMA Delinquent Reason Code field should
show the Reason for Delinquency as follows:

 

	Delinquency

        Code
	 	Delinquency Description
	001	 	FNMA-Death of principal mortgagor
	002	 	FNMA-Illness of principal mortgagor
	003	 	FNMA-Illness of mortgagor’s family member
	004	 	FNMA-Death of mortgagor’s family member
	005	 	FNMA-Marital difficulties
	006	 	FNMA-Curtailment of income
	007	 	FNMA-Excessive Obligation
	008	 	FNMA-Abandonment of property
	009	 	FNMA-Distant employee transfer
	011	 	FNMA-Property problem
	012	 	FNMA-Inability to sell property
	013	 	FNMA-Inability to rent property
	014	 	FNMA-Military Service
	015	 	FNMA-Other
	016	 	FNMA-Unemployment
	017	 	FNMA-Business failure
	019	 	FNMA-Casualty loss
	022	 	FNMA-Energy environment costs
	023	 	FNMA-Servicing problems
	026	 	FNMA-Payment adjustment
	027	 	FNMA-Payment dispute
	029	 	FNMA-Transfer of ownership pending
	030	 	FNMA-Fraud
	031	 	FNMA-Unable to contact borrower
	INC	 	FNMA-Incarceration

 

    	 

    	 

    

 

Exhibit
2: Standard File Codes – Delinquency Reporting, Continued 

 

The FNMA Delinquent Status Code field should
show the Status of Default as follows:

 

	Status Code	 	Status Description
	09	 	Forbearance
	17	 	Pre-foreclosure Sale Closing Plan Accepted
	24	 	Government Seizure
	26	 	Refinance
	27	 	Assumption
	28	 	Modification
	29	 	Charge-Off
	30	 	Third Party Sale
	31	 	Probate
	32	 	Military Indulgence
	43	 	Foreclosure Started
	44	 	Deed-in-Lieu Started
	49	 	Assignment Completed
	61	 	Second Lien Considerations
	62	 	Veteran’s Affairs-No Bid
	63	 	Veteran’s Affairs-Refund
	64	 	Veteran’s Affairs-Buydown
	65	 	Chapter 7 Bankruptcy
	66	 	Chapter 11 Bankruptcy
	67	 	Chapter 13 Bankruptcy

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00205-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00205-of-00352.parquet"}]]