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end
</PDF><PAGE>

                       ASSET BACKED FUNDING CORPORATION,

                                 as Purchaser

                                      and

                            PAN AMERICAN BANK, FSB,

                                   as Seller

                       MORTGAGE LOAN PURCHASE AGREEMENT

                          Dated as of October 1, 1999

                 Fixed-Rate and Adjustable-Rate Mortgage Loans

                    United PanAm Mortgage Loan Trust 1999-2
<PAGE>

                               Table of Contents

<TABLE>
<CAPTION>
                                                                                          Page
                                                                                          ----
<S>                                                                                       <C>
                                       ARTICLE I.
                                       DEFINITIONS

Section 1.01.    Definitions.............................................................    1

                                       ARTICLE II.
                    SALE OF MORTGAGE LOANS; PAYMENT OF PURCHASE PRICE

Section 2.01.    Sale of Mortgage Loans..................................................    2
Section 2.02.    Obligations of Seller Upon Sale.........................................    2
Section 2.03.    Payment of Purchase Price for the Mortgage Loans........................    4

                                     ARTICLE III.
                    REPRESENTATIONS AND WARRANTIES; REMEDIES FOR BREACH

Section 3.01.    Seller Representations and Warranties Relating to the Mortgage Loans....    5
Section 3.02.    Seller Representations and Warranties...................................   13
Section 3.03.    Remedies for Breach of Representations and Warranties...................   14

                                    ARTICLE IV.
                                 SELLER'S COVENANTS

Section 4.01.    Covenants of the Seller.................................................   16

                                     ARTICLE V.
                 INDEMNIFICATION WITH RESPECT TO THE MORTGAGE LOANS

Section 5.01.    Indemnification.........................................................   17

                                    ARTICLE VI.
                                    TERMINATION

Section 6.01.    Termination.............................................................   20

                                    ARTICLE VII.
                              MISCELLANEOUS PROVISIONS

Section 7.01.    Amendment...............................................................   20
Section 7.02.    Governing Law...........................................................   20
Section 7.03.    Notices.................................................................   20
Section 7.04.    Severability of Provisions..............................................   21
Section 7.05.    Counterparts............................................................   21
Section 7.06.    Further Agreements......................................................   21
Section 7.07.    Intention of the Parties................................................   21
Section 7.09.    Payment of Expenses.....................................................   22
Section 7.09.    Successors and Assigns: Assignment of Purchase Agreement................   22
Section 7.10.    Survival................................................................   22
</TABLE>

                                       i
<PAGE>

<TABLE>
     <S>                                                                    <C>
     Schedule I  Mortgage Loans..........................................   I-1
</TABLE>

                                      ii
<PAGE>

          THIS MORTGAGE LOAN PURCHASE AGREEMENT, dated as of October 1, 1999
(the "Agreement"), is made and entered into between Pan American Bank, FSB (the
"Seller") and Asset Backed Funding Corporation (the "Purchaser").

                              W I T N E S S E T H
                              -------------------

          WHEREAS, the Seller is the owner of (i) the notes or other evidence of
indebtedness (the "Mortgage Notes") so indicated on Schedule I hereto referred
to below, and the other documents or instruments constituting the Mortgage File
(collectively, the "Mortgage Loans"); and

          WHEREAS, the Seller, as of the date hereof, owns the mortgages (the
"Mortgages") on the properties (the "Mortgaged Properties") securing such
Mortgage Loans, including rights to (a) any property acquired by foreclosure or
deed in lieu of foreclosure or otherwise and (b) the proceeds of any insurance
policies covering the Mortgage Loans or the Mortgaged Properties or the obligors
on the Mortgage Loans; and

          WHEREAS, the parties hereto desire that the Seller sell the Mortgage
Loans to the Purchaser pursuant to the terms of this Agreement; and

          WHEREAS, pursuant to the terms of that certain Pooling and Servicing
Agreement dated as of October 1, 1999 (the "Pooling and Servicing Agreement")
among the Purchaser, as depositor, the Seller, as seller and master servicer,
Fairbanks Capital Corp., as special servicer, and Bankers Trust Company of
California, N.A., as trustee (the "Trustee"), the Purchaser will convey the
Mortgage Loans to United PanAm Mortgage Loan Trust 1999-2 (the "Trust") which
will issue Certificates representing undivided interests in such Mortgage Loans.

          NOW, THEREFORE, in consideration of the mutual covenants herein
contained, the parties hereto agree as follows:

                                  ARTICLE I.

                                  DEFINITIONS

     Section 1.01.  Definitions.  Any capitalized term used but not defined
                    -----------
herein and below shall have the meaning assigned thereto in the Pooling and
Servicing Agreement.

          "Seller Information":  The information in the Prospectus Supplement
           ------------------
          contained under "RISK FACTORS-- Risks of the Mortgage Loans," "RISK
          FACTORS-- Year 2000 Readiness Disclosure-- Master Servicer," "THE
          MORTGAGE POOL," "THE SELLER AND THE MASTER SERVICER," "THE SUBSERVICER
          AND SPECIAL SERVICER" and "YIELD, PREPAYMENT AND MATURITY
          CONSIDERATIONS-- Mandatory Prepayment."

                                      -1-
<PAGE>

                                  ARTICLE II.

               SALE OF MORTGAGE LOANS; PAYMENT OF PURCHASE PRICE

     Section 2.01.  Sale of Mortgage Loans.  (i) The Seller, concurrently with
                    ----------------------
the execution and delivery of this Agreement, does hereby sell, assign, set
over, and otherwise convey to the Purchaser, without recourse, (i) all of its
right, title and interest in and to each Mortgage Loan, including the related
Cut-off Date Principal Balance, all interest due thereon after the Cut-off Date
and all collections in respect of interest and principal due on or after the
Cut-off Date; (ii) property which secured such Mortgage Loan and which has been
acquired by foreclosure or deed in lieu of foreclosure; (iii) its interest in
any insurance policies in respect of the Mortgage Loans; and (iv) all proceeds
of any of the foregoing.

     Section 2.02.  Obligations of Seller Upon Sale.  In connection with any
                    -------------------------------
transfer pursuant to Section 2.01 hereof, the Seller further agrees, at its own
expense, on or prior to the Closing Date, (a) to indicate in its books and
records that the Mortgage Loans have been sold to the Purchaser pursuant to this
Agreement and (b) to deliver to the Purchaser and the Trustee a computer file
containing a true and complete list of all such Mortgage Loans specifying for
each such Mortgage Loan, as of the Cut-off Date, (i) its account number and (ii)
the Cut-off Date Principal Balance and such file, which forms a part of Exhibit
                                                                        -------
E to the Pooling and Servicing Agreement, shall also be marked as Schedule I to
-
this Agreement and is hereby incorporated into and made a part of this
Agreement.

          In connection with any such conveyance by the Seller, the Seller
shall, on behalf of the Purchaser, deliver to, and deposit with the Trustee, as
assignee of the Purchaser, on or before the Closing Date, the following
documents or instruments with respect to each Mortgage Loan:

          (i)    the original Mortgage Note, endorsed without recourse in the
following form: "Pay to the order of Bankers Trust Company of California, N.A.,
as Trustee", or endorsed in blank to provide for a future insertion of the
payee's name, with all prior and intervening endorsements showing a complete
chain of endorsement from the originator to the Person so endorsing to the
Trustee;

          (ii)   the original Mortgage with evidence of recording thereon, and
the original recorded power of attorney, if such Mortgage was executed pursuant
to a power of attorney, with evidence of recording thereon;

          (iii)  an original Assignment of the Mortgage executed in the
following form: "Bankers Trust Company of California, N.A., as Trustee for
United PanAm Mortgage Loan Trust 1999-2" or endorsed in blank to provide for a
future insertion of a designee trustee;

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

                                       2
<PAGE>

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

          (vi)   the original lender's title insurance policy or attorney's
opinion of title or a copy thereof certified as true and correct by the
applicable insurer, together with all endorsements or riders that were issued
with or subsequent to the issuance of such policy, insuring the priority of the
Mortgage as a first lien on the Mortgaged Property represented therein as a fee
interest vested in the Mortgagor, or in the event such original title policy is
unavailable, a written commitment or uniform binder or preliminary report of
title issued by the title insurance or escrow company or a copy thereof
certified by the title company, with the original policy of title insurance to
be delivered within one year following the Closing Date.

          The Seller hereby confirms to the Purchaser and the Trustee that it
has made the appropriate entries in its general accounting records, to indicate
that such Mortgage Loans have been transferred to the Trustee and constitute
part of the Trust in accordance with the terms of the Pooling and Servicing
Agreement.

          If any original Mortgage Note referred to in Section 2.02(i) cannot be
located, the obligations of the Seller to deliver such documents shall be deemed
to be satisfied upon delivery to the Trustee, as assignee of the Purchaser, of a
photocopy of the original of such Mortgage Note, with an original Lost Note
Affidavit in the form of Exhibit I to the Pooling and Servicing Agreement,
                         ---------
provided, however, that such substitutions of Lost Note Affidavits for original
--------  -------
Mortgage Notes may occur only with respect to Mortgage Loans the aggregate Cut-
off Date Principal Balance of which is less than or equal to 1.00% of the Pool
Balance as of the Cut-off Date.  If any of the documents referred to in Sections
2.02(ii), (iii) or (iv) above has as of the Closing Date been submitted for
recording but either (x) has not been returned from the applicable public
recording office or (y) has been lost or such public recording office has
retained the original of such document, the obligations of the Seller to deliver
such documents shall be deemed to be satisfied upon (1) delivery to the Trustee,
as assignee of the Purchaser, of a copy of each such document certified by the
Seller in the case of (x) above or the applicable public recording office in the
case of (y) above to be a true and complete copy of the original that was
submitted for recording and (2) if such copy is certified by the Seller,
delivery to the Trustee promptly upon receipt thereof of either the original or
a copy of such document certified by the applicable public recording office to
be a true and complete copy of the original.  Notice shall be provided to the
Purchaser, the Certificate Insurer, the PMI Insurer and the Trustee by the
Seller if delivery pursuant to the immediately foregoing clause (2) will be made
more than 180 days after the Closing Date.  If the original lender's title
insurance policy was not delivered pursuant to Section 2.02(vi) above, the
Seller shall deliver or cause to be delivered to the Trustee, within a
reasonable time period after receipt thereof, the original lender's title
insurance policy.  The Seller shall deliver or cause to be delivered to the
Trustee within a reasonable time period upon receipt thereof any other original
documents constituting a part of a Mortgage File received with respect to any
Mortgage Loan, including, but not limited to, any original documents evidencing
an assumption or modification of any Mortgage Loan.

                                       3
<PAGE>

          The Purchaser hereby acknowledges its acceptance of all right, title
and interest to the Mortgage Loans and other property, now existing or hereafter
created, conveyed to it pursuant to Section 2.01.

          The parties hereto intend that the transaction set forth herein be a
non-recourse sale by the Seller to the Purchaser of all the Seller's right,
title and interest in and to the Mortgage Loans and other property described
above. Nonetheless, in the event the transaction set forth herein is deemed not
to be a sale, the Seller hereby grants to the Purchaser a security interest in
all of the Seller's right, title and interest in, to and under the Mortgage
Loans and other property described above, whether now existing or hereafter
created, to secure all of the Seller's obligations hereunder; and this Agreement
shall constitute a security agreement under applicable law.  The Seller and the
Purchaser shall, to the extent consistent with this Agreement, take such actions
as may be necessary to ensure that, if this Agreement were deemed to create a
security interest in the Mortgage Loans, such security interest would be deemed
to be a perfected security interest of first priority under applicable law and
will be maintained as such throughout the term of the Pooling and Servicing
Agreement.

     Section 2.03.  Payment of Purchase Price for the Mortgage Loans.
                    ------------------------------------------------

          (a)  In consideration of the sale of the Mortgage Loans from the
Seller to the Purchaser on the Closing Date, the Purchaser agrees to pay to the
Seller on the Closing Date by transfer of immediately available funds, an amount
equal to $233,144,000.00 and the Class X and Class R Certificates (collectively,
the "Purchase Price"). The Seller shall reimburse the Purchaser a reasonable
expense reimbursement amount of approximately $582,860.00 (the "Expense
Reimbursement Amount"), and shall pay, and be billed directly for, all
reasonable expenses incurred by the Purchaser in connection with the issuance of
the Certificates, including, without limitation, printing fees incurred in
connection with the prospectus relating to the Certificates, blue sky
registration fees and expenses, fees and expenses of Purchaser's counsel, PMI
Insurer's counsel and Certificate Insurer's counsel (to the extent not paid by
the Seller), fees of the rating agencies requested to rate the Certificates,
accountant's fees and expenses and the fees and expenses of the Trustee and
other out-of-pocket costs, if any.

          (b)  Within twenty days of written instruction to such effect from the
Certificate Insurer or the Trustee, the Seller, at its own expense, shall submit
for recording each Assignment of Mortgage in favor of the Trustee (or provided
with the assignee in blank) as transferee of the Purchaser pursuant to the
Pooling and Servicing Agreement in the appropriate real property or other
records in the appropriate jurisdiction for the recordation of such documents.
With respect to any Assignment of Mortgage as to which the related recording
information is unavailable within the applicable time period set forth above,
such Assignment of Mortgage shall be submitted for recording within thirty
Business Days after receipt of such information and such instruction from the
Certificate Insurer or the Trustee but in no event later than 180 days from the
date such Assignment of Mortgage is otherwise required to be recorded pursuant
to this Section 2.04(b).  The Trustee shall be required to retain a copy of each
Assignment of Mortgage submitted for recording.  In the event that any such
Assignment of Mortgage is lost or returned unrecorded because of a defect
therein, the Seller shall within a reasonable time prepare a

                                       4
<PAGE>

substitute Assignment of Mortgage or cure such defect, as the case may be, and
shall be required to submit each such Assignment of Mortgage for recording. Any
failure of the Seller to comply with this Section shall result in the obligation
of the Seller to repurchase or substitute a Qualified Substitute Mortgage Loan
for the related Mortgage Loan pursuant to the provisions of the Pooling and
Servicing Agreement.

                                 ARTICLE III.

              REPRESENTATIONS AND WARRANTIES; REMEDIES FOR BREACH

     Section 3.01.  Seller Representations and Warranties Relating to the
                    -----------------------------------------------------
Mortgage Loans. The Seller hereby represents and warrants to the Purchaser with
--------------
respect to each Mortgage Loan that as of the Closing Date or as of such date
specifically provided herein:

          (a)  The Seller has good, marketable and indefeasible title to and is
the sole owner and holder of the Mortgage Loan.

          (b)  Each Mortgage Loan has an original term to maturity ranging from
15 to 30 years; each Mortgage Loan which is an adjustable rate Mortgage Loan has
payments due on the first day of the month and each such Mortgage Loan is fully
amortizing; effective with the first payment due after each Adjustment Date, the
Monthly Payment for each Mortgage Loan will be adjusted to an amount which would
amortize fully the outstanding Principal Balance of such Mortgage Loan over its
remaining term and pay interest at the Mortgage Rate so adjusted; on the first
Adjustment Date and on each Adjustment Date thereafter the Mortgage Rate on each
Original Mortgage Loan will be adjusted to equal the sum of the Index and the
related Gross Margin, rounded to the nearest multiple of 0.125%, subject to the
Periodic Rate Cap, the Initial Adjustment Rate Cap, the Maximum Mortgage Rate
and the Minimum Mortgage Rate applicable to such Mortgage Loan;

          (c)  Immediately prior to the transfer and assignment to the
Purchaser, the Mortgage Note and the Mortgage Loan were not subject to an
assignment or pledge, and the Seller has the right and authority to sell and
assign the Mortgage Loan.

          (d)  The Seller is transferring such Mortgage Loan to the Purchaser
free and clear of any and all liens, pledges, charges or security interests of
any nature encumbering the Mortgage Loans. The Mortgage Loans are not being
transferred by the Seller with any intent to hinder, delay or defraud any
creditors of the Seller.

          (e)  The information set forth on Schedule I hereto is true and
correct in all material respects as of the Cut-off Date or such other date as
may be indicated in such schedule.

          (f)  The Mortgage Loan has been acquired, serviced, collected and
otherwise dealt with by the Seller and any affiliate of the Seller in compliance
with all applicable federal, state and local laws and regulations and the terms
of the related Note and Mortgage.

                                       5
<PAGE>

          (g)  To the best of Seller's knowledge, the related Note and Mortgage
are genuine and each is the legal, valid and binding obligation of the maker
thereof, enforceable 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 equity
principles (irrespective of whether such enforcement is considered in a
proceeding of equity or at law).

          (h)  The related Mortgage is a valid and enforceable first priority
lien on the related Mortgaged Property, which Mortgaged Property is free and
clear of all encumbrances and liens (including mechanics liens) having priority
over the first lien of the Mortgage except for: (i) liens for real estate taxes
and assessments not yet due and payable; (ii) covenants, conditions and
restrictions, rights of way, easements and other matters of public record as of
the date of recording of such Mortgage, such exceptions appearing of record
being acceptable to mortgage lending institutions generally or specifically
reflected or considered in the lender's title insurance policy delivered to the
originator of the Mortgage Loan and referred to in the appraisal made in
connection with the origination of the related Mortgage Loan and (iii) other
liens and matters to which like properties are commonly subject which do not
materially interfere with the benefits of the security intended to be provided
by such Mortgage.

          (i)  Any security agreement, chattel mortgage or equivalent document
related to such Mortgage Loan establishes and creates a valid and enforceable
first lien on the related Mortgaged Property.

          (j)  As of the Cut-off Date, each Scheduled Payment required to be
made on or prior to October 1, 1999 has been paid and no Mortgage Loan has been
dishonored. No Mortgage Loan has been thirty or more days delinquent more than
one time in the twelve months preceding the Cut-off Date (assuming that a
"rolling" thirty day delinquency is considered to be one time delinquent). As of
the Cut-off Date, no more than 1.29% of the Mortgage Loans are thirty or more
days delinquent as described in the preceding sentence.

          (k)  The Seller has not advanced funds, or induced, solicited or
knowingly received any advance of funds by a person other than the Mortgagor,
directly or indirectly, for the payment of any amount required under the
Mortgage Loan under the Mortgage Note.

          (l)  The Seller has not impaired, waived, altered or modified the
related Mortgage or Note in any material respect, or satisfied, canceled,
rescinded or subordinated such Mortgage or Note in whole or in part or released
all or any material portion of the Mortgaged Property from the lien of the
Mortgage, or executed any instrument of release, cancellation, rescission or
satisfaction of the Mortgage Note or Mortgage.

          (m)  As of the Cut-off Date, the Mortgage has not been satisfied,
canceled or subordinated, in whole or in part, or rescinded, and the Mortgaged
Property has not been released from the lien of the Mortgage, in whole or in
part (except for a release that does not materially impair the security of the
Mortgage Loan or a release the effect of which is reflected in the Loan-to-Value
Ratio for the Mortgage Loan as set forth in the Schedule of Mortgage Loans), nor
has

                                       6
<PAGE>

any instrument been executed that would effect any such release, cancellation,
subordination or rescission.

          (n)  To the best of Seller's knowledge, no condition exists which
could give rise to any right of rescission, set off, counterclaim, or defense
including, without limitation, the defense of usury, and no such right has been
asserted.

          (o)  No proceedings pending for the total or partial condemnation nor
eminent domain proceedings pending affecting any Mortgaged Property.

          (p)  Each Mortgage Loan is covered by either (i) a lender's title
insurance policy or other generally acceptable form of insurance policy
customary in the jurisdiction where the Mortgaged Property is located or (ii) if
generally acceptable in the jurisdiction where the Mortgaged Property is
located, an attorney's opinion of title given by an attorney licensed to
practice law in the jurisdiction where the Mortgaged Property is located. All of
the Seller's rights under such policies, opinions or other instruments shall be
transferred and assigned to Purchaser upon sale and assignment of the Mortgage
Loans hereunder. The title insurance policy has been issued by a title insurer
licensed to do business in the jurisdiction where the Mortgaged Property is
located, insuring the original lender, its successor and assigns, as to the
first priority lien of the Mortgage in the original principal amount of the
Mortgage Loan, subject to the exceptions contained in such policy. Seller is the
sole insured of such lender's title insurance policy, and such lender's title
insurance policy is in full force and effect and will be in force and effect
upon the consummation of the transactions contemplated by this Agreement.
Neither the Seller nor any affiliate of the Seller has made, and Seller has no
knowledge of, any claims under such lender's title insurance policy. Seller is
not aware of any action by a prior holder and neither Seller nor any affiliate
of the Seller has, by act or omission, done anything which could impair the
coverage or enforceability of such lender's title insurance policy or the
accuracy of such attorney's opinion of title, as applicable.

          (q)  To the best of Seller's knowledge, there is no material default,
breach, violation or event of acceleration existing under the related Mortgage
or the related Note and there is no event which, with the passage of time or
with notice and the expiration of any grace or cure period, would constitute a
material default, breach, violation or event of acceleration, other than a
payment delinquency that is for a payment due after the date specified in clause
(i) of this Section 3.01 above. Neither the Seller nor any affiliate of the
Seller has waived any default, breach, violation or event of acceleration under
the related Mortgage or the related Note.

          (r)  With respect to any Mortgage Loan which provides for an
adjustable interest rate, all rate adjustments have been performed in accordance
with the material terms of the related Note or subsequent modifications thereof,
if any.

          (s)  To the best of Seller's knowledge, there are no delinquent taxes,
ground rents, water charges, sewer rents, assessments, insurance premiums,
leasehold payments, including assessments payable in future installments or
other outstanding charges, affecting the related Mortgaged Property.

                                       7
<PAGE>

          (t)  No foreclosure proceedings are pending against the Mortgaged
Property and the Mortgage Loan is not subject to any pending bankruptcy or
insolvency proceeding, and to the Seller's best knowledge, no material
litigation or material lawsuit relating to the Mortgage Loan is pending.

          (u)  The Mortgage Loan obligates the mortgagor thereunder to maintain
a hazard insurance policy ("Hazard Insurance") in an amount at least equal to
the lesser of (i) the maximum insurable value of such improvements or (ii) the
principal balance of the Mortgage Loan with a standard mortgagee clause, in
either case in an amount sufficient to avoid the application of any "co-
insurance provisions", and, if it was in place at origination of the Mortgage
Loan, flood insurance, at the mortgagor's cost and expense. If the Mortgaged
Property is in an area identified in the Federal Register by the Federal
Emergency Management Agency ("FEMA") as having special flood hazards, a flood
insurance policy is in effect which met the requirements of FEMA at the time
such policy was issued. The Mortgage obligates the Mortgagor to maintain the
Hazard Insurance and, if applicable, flood insurance policy at the Mortgagor's
cost and expense, and on the Mortgagor's failure to do so, authorizes the holder
of the Mortgage to obtain and maintain such insurance at the Mortgagor's cost
and expense, and to seek reimbursement therefor from the Mortgagor. The
Mortgaged Property is covered by Hazard Insurance.

          (v)  The Mortgage Note is not secured by any collateral except the
lien of the corresponding Mortgage and the security interest of any applicable
security agreement or chattel mortgage.

          (w)  The Mortgage contains an enforceable provision for the
acceleration of the payment of the unpaid principal balance of the Mortgage Loan
in the event that the Mortgaged Property is sold or transferred without the
prior written consent of the Mortgagee thereunder. The Mortgage contains
customary and enforceable provisions such as to render the rights and remedies
of the holder thereof adequate for the realization against the Mortgaged
Property of the benefits of the security provided thereby, including (i) in the
case of a Mortgage designated as a deed of trust, by trustee's sale or judicial
foreclosure and (ii) otherwise by judicial foreclosure. To the best of Seller's
knowledge, since the date of origination of the Mortgage Loan, the Mortgaged
Property has not been subject to any bankruptcy proceeding or foreclosure
proceeding and the Mortgagor has not filed for protection under applicable
bankruptcy laws. There is no homestead or other exemption available to the
Mortgagor that would interfere with the right to sell the Mortgaged Property at
a trustee's sale or the right to foreclose the Mortgage. In the event the
Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable
law to serve as such, as been properly designated and currently so serves and is
named in the Mortgage, and no fees or expenses are or will become payable by
Purchaser to the trustee under such deed of trust, except in connection with a
trustee's sale after default by the related Mortgagor. The Mortgagor has not
notified the Seller or any affiliate of the Seller and the Seller has no
knowledge of any relief requested or allowed to the Mortgagor under the Soldiers
and Sailors Civil Relief Act of 1940.

                                       8
<PAGE>

          (x)  To the best of Seller's knowledge, except as set forth in the
appraisal which constitutes part of the related Mortgage File, the Mortgaged
Property, normal wear and tear excepted, is materially free from damage caused
by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other
casualty so as to affect materially and adversely the value of the Mortgaged
Property as security for the Mortgage Loan or the use for which the premises
were intended.

          (y)  To the best of Seller's knowledge, the Mortgaged Property is free
from any and all toxic or hazardous substances and there exists no violation of
any local, state or federal environmental law, rule or regulation.

          (z)  To the best of Seller's knowledge, there was no fraud involved in
the origination of the Mortgage Loan by the mortgagee or by the Mortgagor, any
appraiser or any other party involved in the origination of the Mortgage Loan.

          (aa) Each Mortgage File contains an appraisal of the Mortgaged
Property indicating an appraised value equal to the appraised value identified
for such Mortgaged Property on the Schedule of Mortgage Loans. Each appraisal
has been performed in accordance with the provisions of the Financial
Institutions Reform, Recovery and Enforcement Act of 1989, as amended.

          (bb) All parties which have had any interest in the Mortgage Loan,
whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period
in which they held and disposed of such interest, were) in compliance with any
and all applicable "doing business" and material licensing requirements of the
laws of the state wherein the Mortgaged Property is located.

          (cc) To the best of Seller's knowledge, no improvements on the related
Mortgaged Property (upon which value was given) encroach on adjoining properties
(and in the case of a condominium unit, such improvements are within the project
with respect to that unit), and no improvements on adjoining properties encroach
upon the Mortgaged Property unless there exists in the Mortgage File a title
policy with endorsements which insure against losses sustained by the insured as
a result of such encroachments.

          (dd) Each Mortgage Loan was originated or acquired by a savings and
loan association, a savings bank, a commercial bank or similar banking
institution which is supervised and examined by a federal or state authority, or
by a mortgagee approved by the Secretary of HUD, such that the origination
procedures relating to such Mortgage Loan would not prevent the Class A-1
Certificates or the Class A-2 Certificates from being deemed "mortgage related
securities" as such term is defined in Section 3 of the Securities Exchange Act
of 1934 as amended from time to time.

          (ee) Principal payments on the Mortgage Loan commenced within sixty
days after the proceeds of the Mortgage Loan were disbursed. Substantially each
of the Notes is payable on the first day of each month.

                                       9
<PAGE>

          (ff) 2.81% of the Mortgage Loans in Loan Group I and 3.35% of the
Mortgage Loans in Loan Group II (by Loan Group Balance as of the Cut-off Date)
are "balloon payment" mortgage loans.

          (gg) The Mortgage Loan bears interest at the Mortgage Rate and the
Mortgage Note does not permit negative amortization.

          (hh) With respect to escrow deposits, if any, all such payments are in
the possession of, or under the control of, the Master Servicer or the Sub-
Servicer and there exists no deficiencies in connection therewith for which
customary arrangements for repayment thereof have not been made or could be
made. No escrow deposits or escrow advances or other charges or payments due the
Master Servicer have been capitalized under any Mortgage or the related Note.

          (ii) No Mortgage Loan contains any provision pursuant to which
Scheduled Payments are: (i) paid or partially paid with funds deposited in any
separate account established by the Seller, the Mortgagor, or anyone on behalf
of the Mortgagor; (ii) paid by any source other than the Mortgagor or (iii)
contains any other similar provisions which may constitute a "buydown"
provision. The Mortgage Loan is not deemed a graduated payment mortgage loan and
the Mortgage Loan does not have a shared appreciation or other contingent
interest feature.

          (jj) To the best of Seller's knowledge, as of the origination date of
each Mortgage Loan, the related Mortgaged Property is lawfully permitted to be
occupied under applicable law.

          (kk) To the best of Seller's knowledge, no law relating to servicing,
collection, notification practices or origination practices, has been violated
in connection with any Mortgage Loan transferred to the Purchaser pursuant to
this Agreement, including, without limitation, usury, truth in lending, real
estate settlement procedures, consumer credit protection, equal credit
opportunity or disclosure laws.  The Mortgage Loan has been serviced in
accordance with the terms of the Mortgage Note.

          (ll) To the best of Seller's knowledge, no Mortgage Loan was made in
connection with (ii) the construction or rehabilitation of a Mortgaged Property
or (i) facilitating the trade-in or exchange of a Mortgaged Property.

          (mm) The proceeds of the Mortgage Loan have been fully disbursed to or
for the account of the Mortgagor and there is no obligation for the Mortgagee to
advance additional funds thereunder, and any and all requirements as to
completion of any on-site or off-site improvement and as to disbursements of any
escrow funds therefor have been complied with. All costs, fees and expenses
incurred in making or closing the Mortgage Loan and the recording of the
Mortgage have been paid, and the Mortgagor is not entitled to any refund of any
amounts paid or due to the Mortgagee pursuant to the Mortgage Note or Mortgage.

          (nn) To the best of Seller's knowledge, there are no mechanics' nor
similar liens or claims that have been filed for work, labor or material (and no
rights are outstanding that under

                                       10
<PAGE>

law could give rise to such lien) affecting the related Mortgaged Property that
are or may be liens prior to, or equal or coordinate with, the lien of the
related Mortgage.

          (oo) As to each Mortgage Loan, interest is calculated on the Mortgage
Note on the basis of twelve 30-day months and a 360-day year.

          (pp) The Mortgaged Property consists of detached or semi-detached one-
to four-family dwelling units, townhouses, individual condominium units and
individual units in planned unit developments, and manufactured homes. None of
the Mortgage Loans are secured by a leasehold estate or constitute other than
real property under applicable state law.

          (qq) The Seller used no selection procedures that identified the
Mortgage Loans as being less desirable or valuable than other comparable
mortgage loans originated or acquired by the Seller. The Mortgage Loans are
representative of the Seller's portfolio of fixed rate or variable rate mortgage
loans, as applicable.

          (rr) In the event the Mortgage constitutes a deed of trust, a trustee,
duly qualified under applicable law to serve as such, has been properly
designated and currently so serves and is named in the Mortgage, and no material
fees or expenses are or will become payable by the Purchaser to the trustee
under the deed of trust, except in connection with a trustee's sale after
default by the Mortgagor.

          (ss) The Mortgage Note, the Mortgage, the Assignment and any other
documents required to be delivered with respect to each Mortgage Loan pursuant
to the Pooling and Servicing Agreement have been delivered to the Trustee or its
designee, all in compliance with the specific requirements of the Pooling and
Servicing Agreement.

          (tt) Each Mortgage Loan constitutes a "qualified mortgage" within the
meaning of Section 860G(a)(3) of the Code.

          (uu) (A) No more than approximately 37.12%, 12.14% and approximately
6.65%, respectively, of the Initial Mortgage Loans, by outstanding Principal
Balance of the Initial Mortgage Loans as of their Cut-Off Date, will be secured
by Mortgaged Properties located in California, Illinois and Colorado,
respectively and no more than approximately 5.92% of the Initial Mortgage Loans,
by outstanding Principal Balance of the Initial Mortgage Loans as of their Cut-
Off Date, will be secured by Mortgaged Properties located in any one other
state; (B) as of the Cut-Off Date, no more than approximately 0.96% of the
Initial Mortgage Loans, by outstanding Principal Balance of the related Initial
Mortgage Loans as of their Cut-Off Date, are secured by Mortgaged Properties
located in the 95148 zip code area, and no more than approximately 25.48% of the
Initial Mortgage Loans, by outstanding Principal Balance of the related Initial
Mortgage Loans as of their Cut-Off Date, are secured by units in two-to four-
family dwellings, condominiums, planned unit developments or manufactured
housing and (C) at least approximately 74.52% of their Initial Mortgage Loans,
in each case by outstanding Principal Balance of the related Initial Mortgage
Loans as of their Cut-Off Date, are secured by real property with a single
family residence erected thereon;

                                       11
<PAGE>

          (vv)   With respect to each Mortgage Loan, the Loan-to-Value Ratio was
less than or equal to 96.43% at the origination of such Mortgage Loan;

          (ww)   With respect to at least approximately 87.54% of the Initial
Mortgage Loans, by outstanding principal balance as of the Cut-off Date, at the
time that the Mortgage Loan was made, the Mortgagor represented that the
Mortgagor would occupy the Mortgaged Property as the Mortgagor's primary
residence. With respect to approximately 12.46% of the Initial Mortgage Loans,
by outstanding principal balance as of the Cut-Off Date, at the time that the
Mortgage Loan was made, the Mortgagor represented that the Mortgagor would
occupy the Mortgaged Property as the Mortgagor's secondary residence or that the
Mortgaged Property would be an investor property;

          (xx)   No Mortgage Loan was originated under a buydown plan or is
subject to the Home Ownership and Equity Protection Act of 1994;

          (yy)   No Mortgaged Property was, as of the related Cut-Off Date,
located within one-mile radius of any site listed in the National Priorities
List as defined under the Comprehensive Environmental Response, Compensation and
Liability Act of 1980, as amended, or on any similar state list of hazardous
waste sites which are known to contain any hazardous substance or hazardous
waste;

          (zz)   All parties which have had any interest in the Mortgage Loan,
whether as originator, mortgagee, assignee, pledgee, servicer or otherwise, are
(or, during the period in which they held and disposed of such interest, were)
(1) in compliance with any and all applicable licensing requirements of the laws
of the state wherein the Mortgaged Property is located in light of such person's
status, and (2)(A) organized under the laws of such state, or (B) qualified to
do business in such state, or (C) federal savings and loan associations or
national banks having principal offices in such state, or (D) not doing business
in such state so as to require qualification or licensing;

          (aaa)  Any future advances made prior to the related Cut-Off Date have
been consolidated with the outstanding principal amount secured by the Mortgage,
and the secured principal amount, as consolidated, bears a single interest rate
and single repayment term reflected on the related Mortgage Loan Schedule. The
consolidated principal amount does not exceed the original principal amount of
the Mortgage Loan. The Mortgage Note does not permit or obligate the Seller to
make future advances to the Mortgagor at the option of the Mortgagor;

          (bbb)  All parties to the Mortgage Note and the Mortgage had legal
capacity to execute the Mortgage Note and the Mortgage and each Mortgage Note
and Mortgage have been duly and properly executed by such parties;

          (ccc)  All amounts received after the related Cut-Off Date with
respect to the Mortgage Loans to which the Seller is not entitled have been
deposited into the Collection Account and are, as of the related Transfer Date,
in the Collection Account;

                                       12
<PAGE>

          (ddd)  All of the Mortgage Loans were originated in accordance with
the underwriting criteria set forth in the Prospectus Supplement;

          (eee)  Each Mortgage Loan conforms, and all such Mortgage Loans in the
aggregate conform in all material respects to the description thereof set forth
in the Prospectus Supplement;

          (fff)  A full appraisal on forms approved by FNMA or FHLMC was
performed in connection with the origination of each Mortgage Loan. Each
appraisal meets guidelines that would be generally acceptable to prudent
mortgage lenders that regularly originate or purchase mortgage loans comparable
to the Mortgage Loans for sale to prudent investors in the secondary market that
invest in mortgage loans such as the Mortgage Loans;

          (ggg)  Each of the documents and instruments included in a Mortgage
File is duly executed and in due and proper form and each such document or
instrument is in a form generally acceptable to prudent institutional mortgage
lenders that regularly originate or purchase mortgage loans similar to the
Mortgage Loans.

          (hhh)  Each Mortgage Loan which has an original Loan-to-Value Ratio in
excess of 80% will be covered by the PMI Policy.

     Section 3.02.  Seller Representations and Warranties.  The Seller
                    -------------------------------------
represents, warrants and covenants to the Purchaser as of the Closing Date or as
of such other date specifically provided herein or in the applicable Assignment
and Conveyance:

          (i)    The Seller is duly organized, validly existing and in good
standing as a federal savings bank under the laws of the United States and is
and will remain in compliance with the laws of each state in which any Mortgaged
Property is located to the extent necessary to ensure the enforceability of each
Mortgage Loan in accordance with the terms of this Agreement;

          (ii)   The Seller has the power and authority to hold each Mortgage
Loan, to sell each Mortgage Loan, to execute, deliver and perform, and to enter
into and consummate, all transactions contemplated by this Agreement. The Seller
has duly authorized the execution, delivery and performance of this Agreement,
has duly executed and delivered this Agreement, and assuming due authorization,
execution and delivery by the Purchaser, this Agreement constitutes a legal,
valid and binding obligation of the Seller, enforceable against it in accordance
with its terms except as the enforceability thereof may be limited by
bankruptcy, insolvency or reorganization laws or laws in relation to the rights
of creditors of federally insured financial institutions;

          (iii)  The execution and delivery of this Agreement by the Seller and
the performance of and compliance with the terms of this Agreement will not
violate the Seller's charter or by-laws or constitute a default under or result
in a material breach or acceleration of, any material contract, agreement or
other instrument to which the Seller is a party or which may be applicable to
the Seller or its assets;

                                       13
<PAGE>

          (iv)   The Seller is not in violation of, and the execution and
delivery of this Agreement by the Seller and its performance and compliance with
the terms of this Agreement will not constitute a violation with respect to, any
order or decree of any court or any order or regulation of any federal, state,
municipal or governmental agency having jurisdiction over the Seller or its
assets, which violation might have consequences that would materially and
adversely affect the condition (financial or otherwise) or the operation of the
Seller or its assets or might have consequences that would materially and
adversely affect the performance of its obligations and duties hereunder;

          (v)    [Reserved.]

          (vi)   The Seller does not believe, nor does it have any reason or
cause to believe, that it cannot perform each and every covenant contained in
this Agreement;

          (vii)  Immediately prior to the payment of the Purchase Price for each
Mortgage Loan, the Seller was the owner of the related Mortgage Loan and
Mortgage and the indebtedness evidenced by the related Mortgage Note and upon
the payment of the Purchase Price by the Purchaser, in the event that the Seller
retains record title, the Seller shall retain such record title to each Mortgage
Loan and Mortgage, each related Mortgage Note and the related Mortgage Files
with respect thereto in trust for the Purchaser as the owner thereof and only
for the purpose of servicing and supervising the servicing of each Mortgage
Loan;

          (viii) There are no actions or proceedings against, or investigations
known to it of, the Seller before any court, administrative or other tribunal
(A) that might prohibit its entering into this Agreement, (B) seeking to prevent
the sale of the Mortgage Loans or the consummation of the transactions
contemplated by this Agreement or (C) that might prohibit or materially and
adversely affect the performance by the Seller of its obligations under, or
validity or enforceability of, this Agreement;

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

          (x)    The consummation of the transactions contemplated by this
Agreement are in the ordinary course of business of the Seller, and the
transfer, assignment and conveyance of the Mortgage Notes and the Mortgages by
the Seller pursuant to this Agreement are not subject to the bulk transfer or
any similar statutory provisions;

          (xi)   Except with respect to any statement regarding the intentions
of the Purchaser, or any other statement contained herein the truth or falsity
of which is dependant solely upon the actions of the Purchaser, this Agreement
does not contain any untrue statement of material fact or omit to state a
material fact necessary to make the statements contained herein not misleading.
The written statements, reports and other documents prepared and furnished or

                                       14
<PAGE>

to be prepared and furnished by the Seller pursuant to this Agreement or in
connection with the transactions contemplated hereby taken in the aggregate do
not contain any untrue statement of material fact or omit to state a material
fact necessary to make the statements contained therein not misleading.

          (xii)  The information set forth in the Prepayment Premium Schedule
relating to Prepayment Premiums (including the Prepayment Premium Schedule
attached as Exhibit P) is complete, true and correct in all material respects on
the date or dates when such information is furnished and each Prepayment Premium
is permissible and enforceable in accordance with its terms (except to the
extent that the enforceability thereof may be limited by bankruptcy, insolvency,
moratorium, receivership and other similar laws relating to creditors' rights
generally or the collectability thereof may be limited due to acceleration in
connection with a foreclosure) under applicable state law;

     Section 3.03.  Remedies for Breach of Representations and Warranties. It is
                    -----------------------------------------------------
understood and agreed that the representations and warranties set forth in
Sections 3.01 and 3.02 shall survive the sale of the Mortgage Loans to the
Purchaser and shall inure to the benefit of the Purchaser, the Trustee and the
Certificate Insurer, notwithstanding any restrictive or qualified endorsement on
any Mortgage Note or Assignment or the examination or lack of examination of any
Mortgage File. With respect to the representations and warranties contained
herein that are made to the knowledge or the best knowledge of the Seller or as
to which the Seller has no knowledge, if it is discovered that the substance of
any such representation and warranty is inaccurate and the inaccuracy materially
and adversely affects the value of the related Mortgage Loan, or the interest
therein of the Purchaser or the Purchaser's assignee, designee or transferee or
the Certificate Insurer, then notwithstanding the Seller's lack of knowledge
with respect to the substance of such representation and warranty being
inaccurate at the time the representation and warranty was made, such inaccuracy
shall be deemed a breach of the applicable representation and warranty and the
Seller shall take such action described in the following paragraphs of this
Section 3.03 in respect of such Mortgage Loan. Upon discovery by any of the
Seller, the Master Servicer or the Purchaser of a breach of any of the foregoing
representations and warranties that materially and adversely affects the value
of the Mortgage Loans or the interest of the Purchaser, the Trustee, the PMI
Insurer or the Certificate Insurer (or which materially and adversely affects
the value of the related Mortgage Loan or the interests of the Purchaser, the
Trustee or the Certificate Insurer in the related Mortgage Loan in the case of a
representation and warranty relating to a particular Mortgage Loan), the party
discovering such breach shall give prompt written notice to the other parties.

          Except as stated below, within 60 days of the earlier of either
discovery by or notice to the Seller of any breach of a representation or
warranty that materially and adversely affects the value of a Mortgage Loan or
the Mortgage Loans or the interest of the Purchaser, the Trustee, the PMI
Insurer or the Certificate Insurer in the related Mortgage Loan or Mortgage
Loans, the Seller shall use its best efforts promptly to cure such breach in all
material respects and, if such breach cannot be cured, the Seller shall
repurchase such Mortgage Loan at the Purchase Price. The Seller may, assuming
the Seller has a Qualified Substitute Mortgage Loan, rather than repurchase the
Mortgage Loan as provided above, remove such Mortgage Loan and

                                       15
<PAGE>

substitute in its place a Qualified Substitute Mortgage Loan or Loans. If the
Seller does not provide a Qualified Substitute Mortgage Loan or Loans, it shall
repurchase the deficient Mortgage Loan. Any repurchase of a Mortgage Loan(s)
pursuant to the foregoing provisions of this Section 3.03 shall occur on a date
designated by the Purchaser and shall be accomplished by deposit in accordance
with Section 2.03 of the Pooling and Servicing Agreement. Any repurchase or
substitution required by this Section shall be made in a manner consistent with
Section 2.03 of the Pooling and Servicing Agreement.

          At the time of substitution or repurchase of any deficient Mortgage
Loan, the Purchaser and the Seller shall arrange for the reassignment of the
deficient or repurchased Mortgage Loan to the Seller and the delivery to the
Seller of any documents held by the Trustee relating to the deficient or
repurchased Mortgage Loan.  In the event the Purchase Price is deposited in the
Collection Account, the Seller shall, simultaneously with such deposit, give
written notice to the Purchaser that such deposit has taken place.  Upon such
repurchase, the related Mortgage Loan Schedule shall be amended to reflect the
withdrawal of the repurchased Mortgage Loan from this Agreement.

          As to any Deleted Mortgage Loan for which the Seller substitutes a
Qualified Substitute Mortgage Loan or Loans, the Seller shall effect such
substitution by delivering to the Purchaser or its designee for such Qualified
Substitute Mortgage Loan or Loans the Mortgage Note, the Mortgage, the
Assignment and such other documents and agreements as are required by the
Custodial Agreement, with the Mortgage Note endorsed as required therein.  The
Seller shall deposit in the Collection Account the Monthly Payment due on such
Qualified Substitute Mortgage Loan or Loans in the month following the date of
such substitution.  Monthly Payments due with respect to Qualified Substitute
Mortgage Loans in the month of substitution will be retained by the Seller.  For
the month of substitution, distributions to the Purchaser will include the
Monthly Payment due on such Deleted Mortgage Loan in the month of substitution,
and the Seller shall thereafter be entitled to retain all amounts subsequently
received by the Seller in respect of such Deleted Mortgage Loan.  Upon such
substitution, the Qualified Substitute Mortgage Loans shall be subject to the
terms of this Agreement in all respects, and the Seller shall be deemed to have
made with respect to such Qualified Substitute Mortgage Loan or Loans, as of the
date of substitution, the covenants, representations and warranties set forth in
Subsections 3.01 and 3.02 hereof.

          It is understood and agreed that the representations and warranties
set forth in Section 3.01 shall survive delivery of the respective Mortgage
Files to the Trustee on behalf of the Purchaser.

          It is understood and agreed that the obligations of the Seller set
forth in this Section 3.03 to cure, repurchase and substitute for a defective
Mortgage Loan and to indemnify the Purchaser as provided in Section 5.01
constitute the sole remedies of the Purchaser respecting a missing or defective
document or a breach of the representations and warranties contained in Section
3.01.

                                       16
<PAGE>

          With respect to any Mortgage Loan that has been converted to an REO
Property, all references in this Section 3.03 to "Mortgage Loan" shall be deemed
to refer to such REO Property.  With respect to any Mortgage Loan that the
Seller is required to repurchase that is or becomes a Liquidated Mortgage Loan,
in lieu of repurchasing such Mortgage Loan, the Seller shall deposit an amount
equal to the amount of Realized Loss, if any, incurred in connection with the
liquidation of such Mortgage Loan within the same time period in which the
Seller would have otherwise been required to repurchase such Mortgage Loan.

                                  ARTICLE IV.

                              SELLER'S COVENANTS

     Section 4.01.  Covenants of the Seller.  The Seller hereby covenants that
                    -----------------------
except for the transfer hereunder, the Seller will not sell, pledge, assign or
transfer to any other Person, or grant, create, incur, assume or suffer to exist
any Lien on any Mortgage Loan, or any interest therein; the Seller will notify
the Trustee, as assignee of the Purchaser, of the existence of any Lien on any
Mortgage Loan immediately upon discovery thereof; and the Seller will defend the
right, title and interest of the Trust, as assignee of the Purchaser, in, to and
under the Mortgage Loans, against all claims of third parties claiming through
or under the Seller; provided, however, that nothing in this Section 4.01 shall
                     --------  -------
prevent or be deemed to prohibit the Seller from suffering to exist upon any of
the Mortgage Loans any Liens for municipal or other local taxes and other
governmental charges if such taxes or governmental charges shall not at the time
be due and payable or if the Seller shall currently be contesting the validity
thereof in good faith by appropriate proceedings and shall have set aside on its
books adequate reserves with respect thereto.

                                  ARTICLE V.

              INDEMNIFICATION WITH RESPECT TO THE MORTGAGE LOANS

     Section 5.01.  Indemnification.
                    ---------------

          (a)  The Seller agrees to indemnify and hold harmless the Purchaser,
each of its directors, each of its officers and each person or entity who
controls the Purchaser or any such person, within the meaning of Section 15 of
the Securities Act, against any and all losses, claims, damages or liabilities,
joint and several, as incurred, to which the Purchaser, or any such person or
entity may become subject, under the Securities Act or otherwise, and will
reimburse the Purchaser, each such director and officer and each such
controlling person for any legal or other expenses incurred by the Purchaser or
such controlling person in connection with investigating or defending any such
losses, claims, damages or liabilities, insofar as such losses, claims, damages
or liabilities (or actions in respect thereof) arise out of or are based upon
(i) any untrue statement or alleged untrue statement of any material fact
contained in the Prospectus Supplement or any

                                       17
<PAGE>

amendment or supplement to the Prospectus Supplement, in either case, approved
in writing by the Seller or the omission or the alleged omission to state
therein a material fact necessary in order to make the statements in the
Prospectus Supplement or any amendment or supplement to the Prospectus
Supplement, in either case, approved in writing by the Seller, in the light of
the circumstances under which they were made, not misleading, but only to the
extent that such untrue statement or alleged untrue statement or omission or
alleged omission relates to the Seller Information contained in the Prospectus
Supplement, (ii) any untrue statement or alleged untrue statement of any
material fact contained in the information on any computer tape furnished to the
Purchaser or any affiliate thereof by or on behalf of the Seller containing
information regarding the assets of the Trust or (iii) any untrue statement or
alleged untrue statement of any material fact contained in any information
provided in writing by the Seller to the Purchaser or any affiliate thereof, or
any material omission from the information purported to be provided thereby, and
disseminated to the Certificate Insurer, the PMI Insurer, Deloitte & Touche LLP
or prospective investors (directly or indirectly through available information
systems) in connection with the issuance, marketing or offering of the
Certificates. This indemnity agreement will be in addition to any liability
which the Seller may otherwise have.

          (b)  The Purchaser agrees to indemnify and hold harmless the Seller,
each of its officers, directors and each person or entity who controls the
Seller or any such person, against any and all losses, claims, damages or
liabilities, joint and several, to which the Seller, or any such person or
entity may become subject, under the Securities Act or otherwise, and will
reimburse the Seller for any legal or other expenses incurred by the Seller,
each such officer and director and such controlling person in connection with
investigating or defending any such losses, claims, damages or liabilities
insofar as such losses, claims, damages or liabilities (or actions in respect
thereof) arise out of or are based upon any untrue statement or alleged untrue
statement of any material fact contained in the Prospectus Supplement or any
amendment or supplement to the Prospectus Supplement or the omission or the
alleged omission to state therein a material fact necessary in order to make the
statements in the Prospectus Supplement or any amendment or supplement to the
Prospectus Supplement, in the light of the circumstances under which they were
made, not misleading, but only to the extent that such untrue statement or
alleged untrue statement or omission or alleged omission is not contained in the
Seller Information in the Prospectus Supplement. This indemnity agreement will
be in addition to any liability which the Purchaser may otherwise have.

          (c)  Promptly after receipt by any indemnified party under this
Article V of notice of any claim or the commencement of any action, such
indemnified party shall, if a claim in respect thereof is to be made against any
indemnifying party under this Article V, notify the indemnifying party in
writing of the claim or the commencement of that action; provided, however, that
                                                         --------  -------
the failure to notify an indemnifying party shall not relieve it from any
liability which it may have under this Article V except to the extent it has
been materially prejudiced by such failure and, provided further, that the
failure to notify any indemnifying party shall not relieve it from any liability
which it may have to any indemnified party otherwise than under this Article V.

          If any such claim or action shall be brought against an indemnified
party, and it shall notify the indemnifying party thereof, the indemnifying
party shall be entitled to participate therein and, to the extent that it
wishes, jointly with any other similarly notified indemnifying

                                       18
<PAGE>

party, to assume the defense thereof with counsel reasonably satisfactory to the
indemnified party. After notice from the indemnifying party to the indemnified
party of its election to assume the defense of such claim or action, the
indemnifying party shall not be liable to the indemnified party under this
Article V for any legal or other expenses subsequently incurred by the
indemnified party in connection with the defense thereof other than reasonable
costs of investigation.

          Any indemnified party shall have the right to employ separate counsel
in any such action and to participate in the defense thereof, but the fees and
expenses of such counsel shall be at the expense of such indemnified party
unless: (i) the employment thereof has been specifically authorized by the
indemnifying party in writing; (ii) such indemnified party shall have been
advised in writing by such counsel that there may be one or more legal defenses
available to it which are different from or additional to those available to the
indemnifying party and in the reasonable judgment of such counsel it is
advisable for such indemnified party to employ separate counsel; or (iii) the
indemnifying party has failed to assume the defense of such action and employ
counsel reasonably satisfactory to the indemnified party, in which case, if such
indemnified party notifies the indemnifying party in writing that it elects to
employ separate counsel at the expense of the indemnifying party, the
indemnifying party shall not have the right to assume the defense of such action
on behalf of such indemnified party, it being understood, however, the
indemnifying party shall not, in connection with any one such action or separate
but substantially similar or related actions in the same jurisdiction arising
out of the same general allegations or circumstances, be liable for the
reasonable fees and expenses of more than one separate firm of attorneys (in
addition to local counsel) at any time for all such indemnified parties, which
firm shall be designated in writing by the Purchaser, if the indemnified parties
under this Article V consist of the Purchaser, or by the Seller, if the
indemnified parties under this Article V consist of the Seller.

          Each indemnified party, as a condition of the indemnity agreements
contained in Section 5.01(a) and (b) hereof, shall use its best efforts to
cooperate with the indemnifying party in the defense of any such action or
claim.  No indemnifying party shall be liable for any settlement of any such
action effected without its written consent (which consent shall not be
unreasonably withheld), but if settled with its written consent or if there be a
final judgment for the plaintiff in any such action, the indemnifying party
agrees to indemnify and hold harmless any indemnified party from and against any
loss or liability by reason of such settlement or judgment.  Notwithstanding the
foregoing sentence, if at any time an indemnified party shall have requested an
indemnifying party to consent to a settlement of any action, the indemnifying
party agrees that it shall be liable for any settlement of any proceeding
effected without its written consent if such settlement is entered into more
than 30 days after receipt by such indemnifying party of the aforesaid request
and the indemnifying party has not previously provided the indemnified party
with written notice of its objection to such settlement.  No indemnifying party
shall effect any settlement of any pending or threatened proceeding in respect
of which an indemnified party is or could have been a party and indemnity is or
could have been sought hereunder, without the written consent of such
indemnified party, unless settlement includes an unconditional release of such
indemnified party from all liability and claims that are the subject matter of
such proceeding.

                                       19
<PAGE>

          (d)  In order to provide for just and equitable contribution in
circumstances in which the indemnity agreement provided for in this Article is
for any reason held to be unenforceable although applicable in accordance with
its terms, the Seller, on the one hand, and the Purchaser, on the other, shall
contribute to the aggregate losses, liabilities, claims, damages and expenses of
the nature contemplated by said indemnity agreement incurred by the Seller and
the Purchaser in such proportions as shall be appropriate to reflect the
relative benefits received by the Seller on the one hand and the Purchaser on
the other from the sale of the Mortgage Loans such that the Purchaser is
responsible for no more than 0.25% of the aggregate proceeds to the Seller from
the sale of the Mortgage Loans and the Seller shall be responsible for the
balance; provided, however, that no person guilty of fraudulent
         --------  -------
misrepresentation (within the meaning of Section 11(f) of the Securities Act)
shall be entitled to contribution from any person who was not guilty of such
fraudulent misrepresentation.  For purposes of this Section, each officer and
director of the Purchaser and each person, if any, who controls the Purchaser
within the meaning of Section 15 of the Securities Act shall have the same
rights to contribution as the Purchaser and each director of the Seller, each
officer of the Seller, and each person, if any, who controls the Seller within
the meaning of Section 15 of the Securities Act shall have the same rights to
contribution as the Seller.

          (e)  The Seller agrees to indemnify and to hold each of the Purchaser,
the Trustee, the Certificate Insurer, the PMI Insurer, each of the officers and
directors of each such entity and each person or entity who controls each such
entity or person and each Certificateholder harmless against any and all claims,
losses, penalties, fines, forfeitures, legal fees and related costs, judgments,
and any other costs, fees and expenses that the Purchaser, the Trustee, or any
such person or entity and any Certificateholder may sustain in any way (i)
related to the failure of the Seller to perform its duties in compliance with
the terms of this Agreement, (ii) arising from a breach by the Seller of its
representations and warranties in Section 3.01 or (iii) related to the
origination or prior servicing of the Mortgage Loans by reason of any acts,
omissions, or alleged acts or omissions of the Seller, the originator or any
servicer. The Seller shall promptly notify the Purchaser, the Trustee, the
Certificate Insurer and each Certificateholder if a claim is made by a third
party with respect to this Agreement. The Seller shall assume the defense of any
such claim and pay all expenses in connection therewith, including reasonable
counsel fees, and promptly pay, discharge and satisfy any judgment or decree
which may be entered against the Purchaser, the Trustee, the Certificate Insurer
or any such person or entity and/or any Certificateholder in respect of such
claim.

                                  ARTICLE VI.

                                  TERMINATION

     Section 6.01.  Termination.  The respective obligations and
                    -----------
responsibilities of the Seller and the Purchaser created hereby shall terminate,
except for the Seller's indemnity obligations as provided herein upon the
termination of the Trust as provided in Article X of the Pooling and Servicing
Agreement.

                                       20
<PAGE>

                                 ARTICLE VII.

                           MISCELLANEOUS PROVISIONS

     Section 7.01.  Amendment.  This Agreement may be amended from time to time
                    ---------
by the Seller and the Purchaser with the consent of the Certificate Insurer, by
written agreement signed by the parties hereto.

     Section 7.02.  Governing Law.  This Agreement shall be governed by and
                    -------------
construed in accordance with the laws of the State of New York and the
obligations, rights and remedies of the parties hereunder shall be determined in
accordance with such laws (without regard to its material conflict of laws
rules).

     Section 7.03.  Notices.  All demands, notices and communications hereunder
                    -------
shall be in writing and shall be deemed to have been duly given if personally
delivered at or mailed by registered mail, postage prepaid, addressed as
follows:

          if to the Seller:

          Pan American Bank, FSB,
          625 The City Drive, Suite 490
          Orange, CA 92868
          Attention: Mr. Blair Kenny

          or such other address as may hereafter be furnished to the Purchaser
in writing by the Seller.

          if to the Purchaser:
          Asset Backed Funding Corporation
          Bank of America Corporate Center
          100 North Tryon Street, 11/th/ Floor
          Charlotte, NC 28255
          Attention: Robert Perret

          or such other address as may hereafter be furnished to the Seller in
writing by the Purchaser.

     Section 7.04.  Severability of Provisions.  If any one or more of the
                    --------------------------
covenants, agreements, provisions of terms of this Agreement shall be held
invalid for any reason whatsoever, then such covenants, agreements, provisions
or terms shall be deemed severable from the remaining covenants, agreements,
provisions or terms of this Agreement and shall in no way affect the validity of
enforceability of the other provisions of this Agreement.

     Section 7.05.  Counterparts.  This Agreement may be executed in one or more
                    ------------
counterparts and by the different parties hereto on separate counterparts, which
may be transmitted by telecopier each of which, when so executed, shall be
deemed to be an original and such counterparts, together, shall constitute one
and the same agreement.

                                       21
<PAGE>

     Section 7.06.  Further Agreements.  The parties hereto each agree to
                    ------------------
execute and deliver to the other such additional documents, instruments or
agreements as may be necessary or reasonable and appropriate to effectuate the
purposes of this Agreement or in connection with the issuance of any Series of
Certificates representing interests in the Mortgage Loans.

          Without limiting the generality of the foregoing, as a further
inducement for the Purchaser to purchase the Mortgage Loans from the Seller, the
Seller will cooperate with the Purchaser in connection with the sale of any of
the securities representing interests in the Mortgage Loans.  In that
connection, the Seller will provide to the Purchaser any and all information and
appropriate verification of information, whether through letters of its auditors
and counsel or otherwise, as the Purchaser shall reasonably request and will
provide to the Purchaser such additional representations and warranties,
covenants, opinions of counsel, letters from auditors, and certificates of
public officials or officers of the Seller as are reasonably required in
connection with such transactions and the offering of investment grade
securities rated by the Rating Agencies.

     Section 7.07.  Intention of the Parties.  It is the intention of the
                    ------------------------
parties that the Purchaser is purchasing, and the Seller is selling, the
Mortgage Loans rather than pledging the Mortgage Loans to secure a loan by the
Purchaser to the Seller. Accordingly, the parties hereto each intend to treat
the transaction for Federal income tax purposes and all other purposes as a sale
by the Seller, and a purchase by the Purchaser, of the Mortgage Loans. The
Purchaser will have the right to review the Mortgage Loans and the related
Mortgage Files to determine the characteristics of the Mortgage Loans which will
affect the Federal income tax consequences of owning the Mortgage Loans and the
Seller will cooperate with all reasonable requests made by the Purchaser in the
course of such review.

     Section 7.08.  Successors and Assigns: Assignment of Purchase Agreement.
                    --------------------------------------------------------
This Agreement shall bind and inure to the benefit of and be enforceable by the
Seller, the Underwriter, the Purchaser, the Trustee and the Certificate Insurer.
The Underwriter and the Certificate Insurer shall be a third party beneficiary
hereof and may enforce the terms hereof as if a party hereto. The obligations of
the Seller under this Agreement cannot be assigned or delegated to a third party
without the consent of the Purchaser which consent shall be at the Purchaser's
sole discretion, except that the Purchaser acknowledges and agrees that the
Seller may assign its obligations hereunder to any Person into which the Seller
is merged or any corporation resulting from any merger, conversion or
consolidation to which the Seller is a party or any Person succeeding to the
business of the Seller. The parties hereto acknowledge that the Purchaser is
acquiring the Mortgage Loans for the purpose of contributing them to a trust
that will issue a Series of Certificates representing undivided interests in
such Mortgage Loans. As an inducement to the Purchaser to purchase the Mortgage
Loans, the Seller acknowledges and consents to the assignment by the Purchaser
to the Trustee of all of the Purchaser's rights against the Seller pursuant to
this Agreement insofar as such rights relate to Mortgage Loans transferred to
the Trustee and to the enforcement or exercise of any right or remedy against
the Seller pursuant to this Agreement by the Trustee. Such enforcement of a
right or remedy by the Trustee shall have the same force and effect as if the
right or remedy had been enforced or exercised by the Purchaser directly.

                                       22
<PAGE>

     Section 7.09.  Survival.  The representations and warranties set forth in
                    --------
Sections 3.01 and 3.02 and the provisions of Article V hereof shall survive the
purchase of the Mortgage Loans hereunder.

                                       23
<PAGE>

          IN WITNESS WHEREOF, the Seller and the Purchaser have caused their
names to be signed to this Mortgage Loan Purchase Agreement by their respective
officers thereunto duly authorized as of the day and year first above written.

                              Asset Backed Funding Corporation,
                               as Purchaser

                              By:_________________________________
                                 Name:  Robert Perret
                                 Title: Senior Vice President

                              PAN AMERICAN BANK, FSB,
                               as Seller

                              By:_________________________________
                                 Name:
                                 Title:
<PAGE>

STATE OF          )
                  )ss.:
COUNTY OF         )

     On the __ day of October, 1999 before me, a Notary Public in and for said
State, personally appeared Robert Perret, known to me to be a Senior Vice
President of ASSET BACKED FUNDING CORPORATION, the corporation that executed the
within instrument, and also known to me to be the person who executed it on
behalf of said corporation, and acknowledged to me that such corporation
executed the within instrument.

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

                                                        ________________________
                                                                   Notary Public
<PAGE>

STATE OF          )
                  )ss.:
COUNTY OF         )

     On the __ day of October, 1999 before me, a Notary Public in and for said
State, personally appeared ______________________, known to me to be a
_______________ of PAN AMERICAN BANK, FSB, the company that executed the within
instrument, and also known to me to be the person who executed it on behalf of
said company, and acknowledged to me that such corporation executed the within
instrument.

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

                                                         _______________________
                                                                   Notary Public
<PAGE>

                                                                      SCHEDULE I

                            MORTGAGE LOAN SCHEDULE
                            ----------------------

        (Attached as Exhibit E to the Pooling and Servicing Agreement)

                                      I-1
<PAGE>

                                                                     SCHEDULE II

                          REPAYMENT PREMIUM SCHEDULE
                          --------------------------

        (Attached as Exhibit P to the Pooling and Servicing Agreement)

                                      I-2

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