Document:

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                                  EXHIBIT 10.29

            Mykrolis Corporation 2002 Deferred Compensation Plan for
                               Senior Management

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                              MYKROLIS CORPORATION
                         2002 DEFERRED COMPENSATION PLAN
                              FOR SENIOR MANAGEMENT

                            Effective January 1, 2002

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                                TABLE OF CONTENTS

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                                                                        Page
<S>                                                                     <C>
ARTICLE 1. INTRODUCTION ..............................................   53
     1.1.  Purpose of Plan ...........................................   53
     1.2.  Status of Plan ............................................   53
ARTICLE 2. DEFINITIONS ...............................................   44
     2.1.  "Account" .................................................   44
     2.2.  "Bonus" ...................................................   45
     2.3.  "Code" ....................................................   44
     2.4.  "Company" .................................................   44
     2.5.  "Compensation" ............................................   53
     2.6.  "Disability" ..............................................   54
     2.7.  "Effective Date" ..........................................   54
     2.8.  "Elective Deferral" .......................................   54
     2.9.  "Eligible Employee" .......................................   54
     2.10. "ERISA" ...................................................   54
     2.11. "Investment Fund" .........................................   54
     2.12. "Participant" .............................................   54
     2.13. "Plan" ....................................................   54
     2.14. "Plan Administrator" ......................................   54
     2.15. "Plan Year" ...............................................   54
ARTICLE 3. PARTICIPATION .............................................   54
     3.1.  Commencement of Participation .....Error! Bookmark not defined .
     3.2.  Continued Participation ...................................   55
     3.3.  Termination of Participation ..............................   55
ARTICLE 4. ELECTIVE DEFERRALS ........................................   55
     4.1.  Bonus Deferrals ...........................................   55
     4.2.  Compensation Deferrals ....................................   55
ARTICLE 5. ACCOUNTS ..................................................   56
     5.1.  Accounts ..................................................   56
     5.2.  Investment Experience .....................................   56
     5.3.  Payments ..................................................   56
     5.4.  Vesting ...................................................   56
ARTICLE 6. PAYMENTS ..................................................   57
     6.1.  Distribution Events .......................................   57
     6.2.  Hardship Withdrawals ......................................   57
     6.3.  Other Withdrawals .........................................   57
     6.4.  Beneficiary Designation ...................................   57
     6.5.  Form of Payment ...........................................   57
ARTICLE 7. ADMINISTRATION ............................................   58
     7.1.  Plan Administrator; Interpretation ........................   58
     7.2.  Claims Procedure ..........................................   58
     7.3.  Indemnification of Plan Administrator .....................   59
ARTICLE 8. AMENDMENT AND TERMINATION .................................   60
     8.1.  Amendments; Termination ...................................   60
     8.2.  Existing Rights ...........................................   60
</TABLE>

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<TABLE>
<S>                                                                      <C>
     8.3.  Assignment ................................................   60
ARTICLE 9. MISCELLANEOUS .............................................   60
     9.1.  No Funding ................................................   60
     9.2.  Nonassignability ..........................................   60
     9.3.  Receipt and Release .......................................   60
     9.4.  Government Regulations ....................................   61
     9.5.  Governing Law .............................................   61
     9.6.  Headings and Subheadings ..................................   61
</TABLE>

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                              MYKROLIS CORPORATION
              2002 DEFERRED COMPENSATION PLAN FOR SENIOR MANAGEMENT

Article 1  INTRODUCTION

1.1    Purpose of Plan. The Company has adopted the Plan set forth herein to
       provide a means by which certain designated employees may elect to defer
       designated portions of their annual Bonuses and/or their annual
       Compensation.

1.2    Status of Plan. The Plan is intended to be "a plan which is unfunded and
       is maintained by an employer primarily for the purpose of providing
       deferred compensation for a select group of management or highly
       compensated employees" within the meaning of sections 201(2), 301(a)(3),
       401(a)(1), and 4021(b)(6) of ERISA, and shall be interpreted and
       administered to the extent possible in a manner consistent with that
       intent.

Article 2  DEFINITIONS

The following terms when used in this Plan with initial capital letters shall
have the meanings assigned to them below. Except where the context otherwise
requires, words imparting the singular number shall include the plural number
and vice versa, words denoting any gender shall include all genders and words
denoting persons shall include bodies corporate and vice versa:

2.1.   "Account" means, for each Participant, the account (including any
       sub-accounts) established for his or her benefit under the Plan, which
       shall reflect the Elective Deferrals hereunder and the hypothetical
       investment experience credited thereto under Section 5.2.

2.2.   "Bonus" means, for each Participant, the amount of annual bonus for a
       Plan Year that is paid after the end of the Plan Year under the Mykrolis
       Incentive Plan.

2.3.   "Code" means the Internal Revenue Code of 1986, as amended from time to
       time. Reference to any section or subsection of the Code includes
       reference to any comparable or succeeding provisions of any legislation
       which amends, supplements or replaces such section or subsection.

2.4.   "Company" means Mykrolis Corporation and those affiliates of Mykrolis
       Corporation set forth on Schedule A as it may be supplemented from time
       to time in accordance with Section 7.1 below. Where several affiliated
       companies are adopting the Plan, "Company" means each such affiliated
       company as to its own employees, but for purposes of Article 8 shall mean
       only Mykrolis Corporation.

2.5.   "Compensation" means gross compensation for the Plan Year including that
       which is paid to the Eligible Employee for the Plan Year and that which
       would have been paid to the Eligible Employee for the Plan Year but for a
       deferral election made by the Eligible Employee under the Mykrolis
       Corporation Savings and Investment Plan or under any nonqualified
       deferred compensation plan of Mykrolis Corporation, other than a Bonus.

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2.6.   "Disability" means eligibility to receive long-term disability benefits
       under the Company's long-term disability plan.

2.7.   "Effective Date" means January 1, 2002, subject to the approval of the
       Plan by the Board of Directors of Mykrolis Corporation, which approval
       may be given before or after such date.

2.8.   "Elective Deferral" means the portion of a Bonus which is deferred by a
       Participant under Section 4.1 or portion of Compensation which is
       deferred by a Participant under Section 4.2.

2.9.   "Eligible Employee" means each individual selected by the Plan
       Administrator for eligibility from among the group of highly compensated
       or managerial employees of the Company.

2.10.  "ERISA" means the Employee Retirement Income Security Act of 1974, as
       amended from time to time. Reference to any section or subsection of
       ERISA includes reference to any comparable or succeeding provisions of
       any legislation which amends, supplements or replaces such section or
       subsection.

2.11.  "Investment Fund" means any investment fund, mutual fund or other
       security, including, without limitation, the common stock of Mykrolis
       Corporation, that the Plan Administrator selects, from time to time, to
       serve as a hypothetical investment for Elective Deferrals under the Plan.

1.12.  "Participant" means any individual who participates in the Plan in
       accordance with Article 3.

2.13.  "Payment Date" means the date an Elective Deferral is to be paid to the
       Participant (or in the case of his death, the Participant's designated
       beneficiary) as elected in the Participant's deferral election under
       Article 4.

2.14.  "Plan" means the Mykrolis Corporation 2002 Deferred Compensation Plan for
       Senior Management as set forth herein and all subsequent amendments
       hereto.

2.15.  "Plan Administrator" means Mykrolis Corporation or the person, persons or
       entity otherwise designated by Mykrolis Corporation to administer the
       Plan.

2.16.  "Plan Year" means the calendar year.

Article 3  PARTICIPATION

3.1.   Commencement of Participation. Any individual who is an Eligible Employee
       on or after the Effective Date and who has elected to defer part of his
       or her Bonus in accordance with Section 4.1 or to defer part of his or
       her annual Compensation under Section 4.2 shall become a Participant on
       the date such Elective Deferral election is made.

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3.2.   Continued Participation. Subject to Section 3.3, an individual who has
       become a Participant in the Plan shall continue to be a Participant so
       long as any amount remains credited to his or her Account.

3.3.   Termination of Participation. The Plan Administrator may terminate a
       Participant's participation in the Plan for any reason, including but not
       limited to the Plan Administrator's determination that such termination
       is necessary in order to maintain the Plan as a "plan which is unfunded
       and is maintained by an employer primarily for the purpose of providing
       deferred compensation for a select group of management or highly
       compensated employees" within the meaning of sections 201(2), 301(a)(3),
       401(a)(1), and 4021(b)(6) of ERISA. Amounts credited to a Participant's
       Account shall be paid out to the Participant in a single lump sum cash
       payment as soon as reasonably practical following termination of
       participation hereunder.

Article 4. ELECTIVE DEFERRALS

                                Bonus Deferrals.

4.1.   In general. An Eligible Employee may elect to defer hereunder a
       designated portion (but not less than $5,000) of his or her Bonus to be
       earned with respect to a Plan Year, by filing a written election with the
       Plan Administrator prior to the first day of October of the Plan Year in
       which such Bonus is to be earned; provided, however, with respect to an
       unearned Bonus payable during the first Plan Year, such elections shall
       be filed with the Plan Administrator by October 10, 2001. The deferred
       amount shall be credited to the Participant's Account as of the date such
       Bonus would otherwise have been paid to the Participant.

4.2.   Nature of Election. Each election under this Section 4.1 for a Plan Year
       shall be made on a form approved or prescribed by the Plan Administrator
       and shall apply only to a Bonus paid after the date the election form is
       completed and filed with the Plan Administrator. The election form shall
       specify in whole percentages or in a dollar figure the amount of Bonus to
       be deferred. A Participant may revoke his or her deferral election as of
       the first (1st) day of October of any Plan Year which follows such
       revocation by giving written notice to the Plan Administrator before that
       day (or any such earlier date as the Plan Administrator may prescribe). A
       Participant may change his or her deferral election at any time, but such
       new deferral election shall become effective no earlier than the first
       (1st) day of October of the Plan Year following the making of such
       election. Any such deferral election shall continue to be effective until
       revoked or changed pursuant to this paragraph.

                            Compensation Deferrals.

4.3.   In general. An Eligible Employee may elect to defer hereunder a
       designated portion (but not less than $5,000) of his or her Compensation
       to be earned with respect to a Plan Year, by filing a written election
       with the Plan Administrator prior to the fifteenth (15th) day of December
       prior to the Plan Year in which such Compensation is to be earned. An
       individual who first becomes an Eligible Employee on or after the first
       (1st) day of any Plan Year may elect, within thirty (30) days of becoming
       an Eligible Employee, to defer a portion of his or her

<PAGE>

       Compensation to be earned during the remainder of the Plan Year and after
       the written election is filed with the Plan Administrator. An Elective
       Deferral hereunder for a Plan Year shall not exceed 50% of the
       Participant's Compensation for the Plan Year. The deferred amounts shall
       be credited to the Participant's Account as of the date such Compensation
       would otherwise have been paid to the Participant under the Company's
       payroll system.

4.4.   Nature of Election. Each election under this Section 4.2 for a Plan Year
       (or the balance of a Plan Year) shall be made on a form approved or
       prescribed by the Plan Administrator and shall apply only to Compensation
       paid after the date the election form is completed and filed with the
       Plan Administrator. The election form shall specify in whole percentages
       or in a dollar figure the amount of Compensation to be deferred. A
       Participant may revoke his or her deferral election as of the first day
       of any Plan Year which follows such revocation by giving written notice
       to the Plan Administrator before that day (or any such earlier date as
       the Plan Administrator may prescribe). A Participant may change his or
       her deferral election at any time, but such new deferral election shall
       become effective no earlier than the first day of the Plan Year following
       the making of such election. Any such deferral election shall continue to
       be effective until revoked or changed pursuant to this paragraph.

Article 5.  ACCOUNTS

5.1.   Accounts. The Plan Administrator shall establish an Account for each
       Participant reflecting the amounts deferred under Article 4, investment
       experience as determined under Section 5.2, and any adjustments to the
       Account under Section 5.3 to reflect payments. If directed by the
       Company, the Plan Administrator shall keep separate sub-accounts for each
       Bonus deferral and each Plan Year's Compensation deferral. Subject to
       Sections 5.2 and 9.1, the Company shall treat the amount of Elective
       Deferrals for a period as invested in the applicable Investment Funds as
       soon as practicable after the date as of which such Elective Deferrals
       are credited to the Accounts. The Plan Administrator shall periodically
       and not less frequently than annually provide the Participant with a
       statement of his or her Account, including any sub-accounts that have
       been established hereunder.

5.2.   Investment Experience. Each Participant's Account shall reflect the
       investment experience that would occur if the Account were invested in
       one or more of the Investment Funds in the proportions selected by the
       Participant as adjusted by the Participant from time to time in the
       manner permitted by the Plan Administrator. The Company shall not be a
       guarantor of any specified amount of investment return.

5.3.   Payments. Each Participant's Account shall be reduced by the amount of
       any payment made to or on behalf of the Participant under Article 6 as of
       the date such payment is made.

5.4.   Vesting. A Participant will at all times be 100% vested in his or her
       Account.

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Article 6. PAYMENTS

6.1.   Distribution Events. Each Participant shall specify as part of his or her
       deferral election under either Section 4.1(b) or Section 4.2(b) the date
       on which the Elective Deferral and the applicable investment experience,
       shall be distributed and the form of payment of such distributions.
       Distributions may be made at Participant's retirement, termination of
       employment, or Disability, or after a term of years (not less than three
       years) selected by the Participant at the time of the deferral election,
       for hardship as defined in Section 6.2, or for other reasons subject to
       the restrictions of Section 6.3. A Participant may irrevocably elect to
       postpone the Payment Date to a later date provided that such election is
       made at least twenty-four (24) months prior to the original Payment Date,
       and provided that such election is in writing, is filed in a manner
       acceptable to the Plan Administrator, and complies with such other
       restrictions that are imposed generally by the Plan Administrator on such
       postponements.

6.2.   Hardship Withdrawals. Notwithstanding the foregoing, if at any time prior
       to the Participant's Payment Date, the Participant suffers an unexpected
       financial emergency, the Participant may petition the Plan Administrator
       for a withdrawal (a "hardship withdrawal") in an amount not to exceed the
       lesser of the then balance of the Account or the amount needed to meet
       the emergency. The Plan Administrator may require a Participant who is
       seeking a hardship withdrawal to provide satisfactory evidence of the
       nature and extent of the emergency. Hardship withdrawals shall be made
       solely in the discretion of the Plan Administrator.

6.3.   Other Withdrawals. A Participant may withdraw from his Account any amount
       of his or her Elective Deferrals that have been deferred for at least
       thirty-six (36) months provided that he or she shall forfeit ten percent
       (10%) of the amount of withdrawal and shall be disqualified from making
       any deferral elections during the following Plan Year.

6.4.   Beneficiary Designation. A Participant shall designate a beneficiary to
       receive any amounts remaining in the Participant's Account after his or
       her death. Such designation shall be made in writing on a form approved
       or prescribed by the Plan Administrator, and may be changed by the
       Participant at any time. If there is no such designation or no designated
       beneficiary survives the Participant, payment shall be made to the
       Participant's estate.

6.5.   Form of Payment. All distributions under the Plan to a Participant who
       retires from the Company after age fifty-five (55) and after at least 10
       years of service and all distributions to be paid after a term of years
       will be made in the form of a single lump sum cash payment unless the
       Participant irrevocably elects, at the time of making a deferral election
       under Article 4, to receive payment of his or her Account or an Elective
       Deferral in annual cash installments over the period specified in such
       election. An installment payment election shall not be effective as to
       his or her Account or an Elective Deferral which, at the time installment
       payments are to commence, has a balance of $10,000 or less. Where an
       Account or an Elective Deferral is payable in installments over a period
       of years, each

<PAGE>

       annual installment shall be determined by dividing the balance of the
       Account or the Elective Deferral remaining to be distributed by the
       number of remaining installments. Accounts for Elective Deferrals paid in
       installments shall continue to be adjusted for investment experience
       under Section 5.2 until all payments have been made. Distributions on
       account of termination of employment other than retirement (as described
       above), death or Disability, for hardship withdrawals under Section 6.2,
       and for other withdrawals under Section 6.3, shall be paid in a lump sum
       cash payment only. The form of payment for any Account or Elective
       Deferral may not be changed by the Participant within twelve (12) months
       prior to the Payment Date applicable to such Account or Elective
       Deferral.

Article 7. ADMINISTRATION

7.1.   Plan Administrator; Interpretation. The Plan Administrator shall oversee
       the administration of the Plan. The Plan Administrator shall have
       complete discretionary control and authority to administer all aspects of
       the Plan, including without limitation the power to appoint agents and
       counsel, and to determine the rights and benefits and all claims, demands
       and actions arising out of the provisions of the Plan of any Participant,
       beneficiary, deceased Participant, or other person having or claiming to
       have any interest under the Plan, in a manner consistent with Section
       7.2. The Plan Administrator shall have the authority to add affiliates of
       Mykrolis Corporation to Schedule A as participating companies under the
       Plan. The Plan Administrator shall have the exclusive discretionary power
       to interpret the Plan and to decide all matters under the Plan. Such
       interpretation and decision shall be final, conclusive and binding on all
       Participants and any person claiming under or through any Participant, in
       the absence of clear and convincing evidence that the Plan Administrator
       acted arbitrarily and capriciously. Any individual serving as Plan
       Administrator, or on a committee acting as Plan Administrator, who is a
       Participant will not vote or act on any matter relating solely to himself
       or herself. When making a determination or calculation, the Plan
       Administrator shall be entitled to rely on information furnished by a
       Participant, a beneficiary, or any other person or entity. The Plan
       Administrator shall be deemed to be the plan administrator with
       responsibility for complying with any reporting and disclosure
       requirements of ERISA.

7.2.   Claims Procedure.

       (a)     In general. If any person believes he or she is being denied any
               rights or benefits under the Plan, such person may file a claim
               in writing with the Plan Administrator. If any such claim is
               wholly or partially denied, the Plan Administrator will notify
               such person of its decision in writing. Such notification will
               contain (i) specific reasons for the denial, (ii) specific
               reference to pertinent plan provisions, (iii) a description of
               any additional material or information necessary for such person
               to perfect such claim and an explanation of why such material or
               information is necessary and (iv) information as to the steps to
               be taken if the person wishes to submit a request for review.
               Such notification will be given within 90 days after the claim is

<PAGE>

         received by the Plan Administrator (or within 180 days, if special
         circumstances require an extension of time for processing the claim,
         and if written notice of such extension and circumstances is given to
         such person within the initial 90 day period). If such notification is
         not given within such period, the claim will be considered denied as of
         the last day of such period and such person may request a review of his
         or her claim.

    (b)  Appeals. Within 60 days after the date on which a person receives a
         written notice of a denied claim (or, if applicable, within 60 days
         after the date on which such denial is considered to have occurred)
         such person (or his or her duly authorized representative) may (i) file
         a written request with the Plan Administrator for a review of his or
         her denied claim and of pertinent documents and (ii) submit written
         issues and comments to the Plan Administrator. The Plan Administrator
         will notify such person of its decision in writing. Such notification
         will be written in a manner calculated to be understood by such person
         and will contain specific reasons for the decision as well as specific
         references to pertinent plan provisions. The decision on review will be
         made within 60 days after the request for review is received by the
         Plan Administrator (or within 120 days, if special circumstances
         require an extension of time for processing the request, such as an
         election by the Plan Administrator to hold a hearing, and if written
         notice of such extension and circumstances is given to such person
         within the initial 60 day period). If the decision on review is not
         made within such period, the claim will be considered denied.

7.3.  Indemnification of Plan Administrator. The Company agrees to indemnify and
      to defend to the fullest extent permitted by law any director, officer or
      employee of the Company or any affiliated company who serves as the Plan
      Administrator or as a member of a committee appointed to serve as Plan
      Administrator, or who assists the Plan Administrator in carrying out its
      duties as part of his or her employment (including any such individual who
      formerly served in any such capacity) against all liabilities, damages,
      costs and expenses (including attorneys' fees and amounts paid in
      settlement of any claims approved by the Company) occasioned by any act or
      omission to act in connection with the Plan, if such act or omission is in
      good faith.

<PAGE>

Article 8.  AMENDMENT AND TERMINATION

8.1.  Amendments; Termination. The Company shall have the right by vote of its
      Board of Directors to amend the Plan from time to time and to terminate
      the Plan at any time, subject to Section 8.3.

8.2.  Existing Rights. No amendment or termination of the Plan shall, without
      the written consent of the affected Participant, reduce the balance of a
      Participant's Account, but the Company reserves the right to change the
      Investment Funds used to measure investment experience under Section 5.2
      so long as such change does not alter the amount of investment experience
      credited to a Participant's Account as of the date of the change.

8.3.  Assignment. The rights and obligations of the Company shall inure to the
      benefit of and shall be binding upon its successors and assigns.

Article 9.  MISCELLANEOUS

9.1.  No Funding. The Plan constitutes a mere promise by the Company to make
      future cash benefit payments to Participants and beneficiaries, and
      Participants and beneficiaries shall have the status of general unsecured
      creditors of the Company. Any Accounts established pursuant to the Plan
      shall remain the property of the Company until distributed, and nothing in
      the Plan will be construed to create a trust or to obligate the Company or
      any other person to segregate a fund, purchase an insurance contract, or
      in any other way currently to fund the future payment of any benefits
      hereunder, nor will anything herein be construed to give any employee or
      any other person rights to any specific assets of the Company or of any
      other person. The Company may, in its sole discretion, create a grantor
      trust to pay its obligations hereunder, but shall have no obligation to do
      so. In all events, it is the intent of the Company that the Plan be
      treated as unfunded for tax purposes and for purposes of Title I of ERISA.

9.2.  Nonassignability. None of the benefits, payments, proceeds or claims of
      any Participant or beneficiary shall be subject to any claim of any
      creditor of any Participant or beneficiary and, in particular, the same
      shall not be subject to attachment or garnishment or other legal process
      by any creditor of such Participant or beneficiary, nor shall any
      Participant or beneficiary have any right to alienate, anticipate,
      commute, pledge, encumber, sell, transfer or assign any of the benefits or
      payments or proceeds which he may expect to receive, contingently or
      otherwise, under the Plan.

9.3.  Receipt and Release. Any payment to any Participant or beneficiary in
      accordance with the provisions of the Plan shall, to the extent thereof,
      be in full satisfaction of all claims against the Company and the Plan
      Administrator under the Plan, and the Plan Administrator may require such
      Participant or beneficiary, as a condition precedent to such payment, to
      execute a receipt and release to such effect. If any Participant or
      beneficiary is determined by the Plan Administrator to be incompetent by
      reason of physical or mental disability (including minority) to give a
      valid receipt and release, the Plan Administrator may cause the payment

<PAGE>

      or payments becoming due to such person to be made to another person for
      his or her benefit without responsibility on the part of the Plan
      Administrator or the Company to follow the application of such funds.

9.4.  Government Regulations. It is intended that the Plan will comply with all
      applicable laws and government regulations, and the Company shall not be
      obligated to perform an obligation hereunder in any case where, in the
      opinion of the Company's counsel, such performance would result in the
      violation of any law or regulation.

9.5.  Governing Law. The Plan shall be construed, administered, and governed in
      all respects under and by the laws of the Commonwealth of Massachusetts.
      If any provision shall be held by a court of competent jurisdiction to be
      invalid or unenforceable, the remaining provisions hereof shall continue
      to be fully effective.

9.6.  Headings and Subheadings. Headings and subheadings in the Plan are
      inserted for convenience only and are not to be considered in the
      construction of the provisions hereof.

     In Witness Whereof, Mykrolis Corporation has caused the Plan to be executed
by its duly authorized officer as of the 1/st/ day of January, 2002.

                                       MYKROLIS CORPORATION

                                       By: /s/ Peter W. Walcott
                                          --------------------------------------

                                       Title: Vice President & General Counsel
                                             -----------------------------------

                                   SCHEDULE A
                             Participating Companies

Mykrolis Asia LimitedEXECUTION COPY

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

                        RESIDENTIAL ACCREDIT LOANS, INC.,

                                    Company,

                        RESIDENTIAL FUNDING CORPORATION,

                                Master Servicer,

                                       and

                      DEUTSCHE BANK TRUST COMPANY AMERICAS,

                                     Trustee

                               SERIES SUPPLEMENT,

                          DATED AS OF FEBRUARY 1, 2003,

                                       TO

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

                 Mortgage Asset-Backed Pass-Through Certificates

                                 Series 2003-QS2

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

<PAGE>

<TABLE>
<CAPTION>

Article I    DEFINITIONS....................................................................5

<S>             <C>                                                                        <C>
        Section 1.01. Definitions...........................................................5

        Section 1.02. Use of Words and Phrases.............................................18

        Section 1.03. Determination of LIBOR...............................................18

Article II    CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..............20

        Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard
                      Terms)...............................................................20

        Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms)......20

        Section 2.03. Representations, Warranties and Covenants of the Master
                      Servicer and Company.................................................20

        Section 2.04. Representations and Warranties of Sellers. (See Section 2.04 of
                      the Standard Terms)..................................................23

        Section 2.05. Execution and Authentication of Certificates/Issuance of
                      Certificates Evidencing Interests in REMIC I Certificates............23

        Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular
                      Interests; Acceptance by the Trustee.................................23

        Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.............24

        Section 2.08. Purposes and Powers of the Trust. (See Section 2.08 of the
                      Standard Terms)......................................................24

Article III  ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................25

        Section 3.01. Master Servicer to Act as Servicer. (See Section 3.01 of the
                      Standard Terms)......................................................25

        Section 3.02. Subservicing Agreements Between Master Servicer and
                      Subservicers; Enforcement of Subservicers' and Sellers'
                      Obligations. (See Section 3.02 of the Standard Terms)................25

                                        i
<PAGE>

        Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms).....25

        Section 3.04. Liability of the Master Servicer. (See Section 3.04 of the
                      Standard Terms)......................................................25

        Section 3.05. No Contractual Relationship Between Subservicer and Trustee or
                      Certificateholders. (See Section 3.05 of the Standard Terms) ........25

        Section 3.06. Assumption or Termination of Subservicing Agreements by
                      Trustee. (See Section 3.06 of the Standard Terms)....................25

        Section 3.07. Collection of Certain Mortgage Loan Payments;  Deposits to
                      Custodial Account ...................................................25

        Section 3.08. Subservicing Accounts; Servicing Accounts. (See Section 3.08 of
                      the Standard Terms)..................................................26

        Section 3.09. Access to Certain Documentation and  Information Regarding the
                      Mortgage Loans. (See Section 3.09 of the Standard Terms).............26

        Section 3.10. Permitted Withdrawals from the Custodial Account.....................26

        Section 3.11. Maintenance of the Primary Insurance  Policies; Collections
                      Thereunder. (See Section 3.11 of the Standard Terms).................27

        Section 3.12. Maintenance of Fire Insurance and  Omissions and Fidelity
                      Coverage. (See Section 3.12 of the Standard Terms)...................27

        Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and
                      Modification Agreements; Certain Assignments. (See Section 3.13
                      the Standard Terms)..................................................27

        Section 3.14. Realization Upon Defaulted Mortgage Loans............................27

        Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section
                      3.15 of the Standard Terms)..........................................29

        Section 3.16. Servicing and Other Compensation; Compensating Interest. (See
                      Section 3.16 of the Standard Terms)..................................29

        Section 3.17. Reports to the Trustee and the Company. (See Section 3.17 of
                      the Standard Terms)..................................................29

        Section 3.18. Annual Statement as to Compliance....................................29

        Section 3.19. Annual Independent Public Accountants' Servicing Report..............30

        Section 3.20. Rights of the Company in Respect of the Master Servicer. (See
                      Section 3.20 of the Standard Terms)..................................30

        Section 3.21. Administration of Buydown Funds. (See Section 3.21 of the
                      Standard Terms)......................................................31

Article IV  PAYMENTS TO CERTIFICATEHOLDERS.................................................32

        Section 4.01. Certificate Account..................................................32

        Section 4.02. Distributions........................................................32

        Section 4.03. Statements to Certificateholders; Exchange Act Reporting.............41

        Section 4.04. Distribution of Reports to the Trustee and the Company;
                      Advances by the Master Servicer......................................41

        Section 4.05. Allocation of Realized Losses........................................42

        Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property.
                      (See Section 4.06 of the Standard Terms).............................44

                                        ii
<PAGE>

        Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section
                      4.07 of the Standard Terms)..........................................44

        Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................44

Article V  THE CERTIFICATES................................................................45

        Section 5.01. The Certificates.  (See Section 5.01 of the Standard Terms)..........45

        Section 5.02. Registration of Transfer and Exchange of Certificates................45

        Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. (See Section
                      5.03 of the Standard Terms)..........................................45

        Section 5.04. Persons Deemed Owners. (See Section 5.04 of the Standard Terms)......45

        Section 5.05. Appointment of Paying Agent. (See Section 5.05 of the Standard
                      Terms)...............................................................45

Article VI    THE COMPANY AND THE MASTER SERVICER..........................................46

Article VII   DEFAULT......................................................................47

Article VIII  CONCERNING THE TRUSTEE.......................................................48

Article IX    TERMINATION..................................................................49

Article X  REMIC PROVISIONS................................................................50

        Section 10.01.REMIC Administration.  (See Section 10.01 of the Standard Terms).....50

        Section 10.02.Master Servicer; REMIC Administrator and Trustee
                      Indemnification. (See Section 10.02 of the Standard Terms)...........50

        Section 10.03.Designation of REMICs................................................50

        Section 10.04.Distributions on the Uncertificated REMIC I and REMIC II
                      Regular Interests....................................................50

        Section 10.05.Compliance with Withholding Requirements.............................52

Article XI  MISCELLANEOUS PROVISIONS.......................................................53

        Section 11.01.Amendment. (See Section 11.01 of the Standard Terms).................53

        Section 11.02.Recordation of Agreement; Counterparts. (See Section 11.02 of
                      the Standard Terms)..................................................53

                                        iii
<PAGE>

        Section 11.03.Limitation on Rights of Certificateholders. (See Section 11.03
                      of the Standard Terms)...............................................53

        Section 11.04.Governing Laws. (See Section 11.04 of the Standard Terms)............53

        Section 11.05.Notices .............................................................53

        Section 11.06.Required Notices to Rating Agency and Subservicer (See Section
                      11.06 of the Standard Terms).........................................54

        Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard
                      Terms)...............................................................54

        Section 11.08.Supplemental Provisions for Resecuritization. (See Section
                      11.08 of the Standard Terms).........................................54

        Section 11.09.Allocation of Voting Rights..........................................54

        Section 11.10.No Petition..........................................................54

</TABLE>

                                        iv

<PAGE>

                                    EXHIBITS

Exhibit One:          Mortgage Loan Schedule
Exhibit Two:          Schedule of Discount Fractions
Exhibit Three:        Information to be Included in
                      Monthly Distribution Date Statement
Exhibit Four:         Standard Terms of Pooling and Servicing
                      Agreement Dated as of August 1, 2002
Exhibit Five:..       Form of Form 10-K Certification
Exhibit Six:...       Form of Back-Up Certification to Form 10-K Certificate

                                        v

<PAGE>

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

                             PRELIMINARY STATEMENT:

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

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

<PAGE>

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

<TABLE>
<CAPTION>

                             AGGREGATE
                              INITIAL
                            CERTIFICATE
               PASS-THROUGH  PRINCIPAL                             MATURITY              STANDARD &      MINIMUM
 DESIGNATION     RATE        BALANCE       FEATURES1                 DATE               POOR'S/FITCH  DENOMINATIONS2

<S>     <C>      <C>      <C>                                               <C> <C>                     <C>
Class A-1        4.00%    $50,000,000.00   Senior/Sequential/Fixe  February 25, 2033      AAA/AAA       $25,000.00
                                                    Rate
Class A-2        6.00%     $7,185,000.00   Senior/Sequential/Fixed February 25, 2033      AAA/AAA       $25,000.00
                                                    Rate
Class A-3        5.875%    $50,000,000.00  Senior/Sequential/Fixed February 25, 2033      AAA/AAA       $25,000.00
                                                    Rate
Class A-4      Adjustable  $136,453,250.00 Senior/Floater/         February 25, 2033      AAA/AAA       $25,000.00
                                                Sequential
Class A-5      Adjustable           $0.004 Senior/Inverse
                 Rate3                       Floater/Interest      February 25, 2033      AAA/AAA    $2,000,000.00
                                            Only/Adjustable Rate
Class A-6        4.50%     $53,125,000.00   Senior/Sequential/FixedFebruary 25, 2033      AAA/AAA       $25,000.00
                                               Rate

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

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

3
-------------------- ----------- ----------------- --------------- ------------
Adjustable Rates:    Initial     Formula           Maximum         Minimum
-------------------- ----------- ----------------- --------------- ------------
-------------------- ----------- ----------------- --------------- ------------
Class A-4            1.79%       LIBOR + 0.43%     8.50%           0.43%
Class A-5            6.71%       8.0% - LIBOR      8.07%           0.00%
-------------------- ----------- ----------------- --------------- ------------

4    The Class A-5 Certificates do not have a principal balance. For the purpose
     of calculating  interest  payments,  interest on the Class A-5 Certificates
     will accrue on a notional amount equal to the Certificate Principal Balance
     of the Class A-4 Certificates.

                                        2
<PAGE>
                             AGGREGATE
                              INITIAL
                            CERTIFICATE
               PASS-THROUGH  PRINCIPAL                             MATURITY              STANDARD &      MINIMUM
 DESIGNATION     RATE        BALANCE       FEATURES1                 DATE               POOR'S/FITCH  DENOMINATIONS2

Class A-7        4.50%   $103,463,750.00     Senior/Segment/       February 25, 2033      AAA/AAA       $25,000.00
                                             Sequential/Fixed
                                                Rate
Class A-P        0.00%     $2,115,834.89     Senior/Principal      February 25, 2033      AAA/AAA       $25,000.00
                                                Only
Class A-V      Variable            $0.00     Senior/Interest       February 25, 2033      AAA/AAA       6
               Rate5                        Only/Variable Rate
Class R-I        6.00%           $100.00     Senior/Residual       February 25, 2033      AAA/AAA       7

Class R-II       6.00%           $100.00     Senior/Residual       February 25, 2033      AAA/AAA       7

Class M-1        6.00%      $9,505,000.00       Mezzanine          February 25, 2033      AA/NA        $25,000.00

Class M-2        6.00%      $4,224,000.00       Mezzanine          February 25, 2033       A/NA        $250,000.00

Class M-3        6.00%      $2,534,500.00       Mezzanine          February 25, 2033      BBB/NA       $250,000.00

Class B-1        6.00%      $1,267,200.00      Subordinate         February 25, 2033      BB/NA        $250,000.00

Class B-2        6.00%      $1,267,100.00      Subordinate         February 25, 2033        B/NA       $250,000.00

Class B-3        6.00%      $1,267,419.81      Subordinate         February 25, 2033      NA/NA        $250,000.00
</TABLE>

_____________

5    The initial Pass-Through Rate on the Class A-V Certificates is 0.2656%.

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

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

        The Mortgage Loans have an aggregate principal balance as of the Cut-off
Date of $422,408,254.70.

        The  Class  A-7  Certificates  are  comprised  of  the  following  three
segments:

--------------------------------------- --------------- ------------------------
Segment     Initial Segment Certificate Pass-Through    Designations
            Principal Balance           Rate
Class A-7-1 $16,120,000.00              4.50%           Senior/Sequential/Fixed
                                                        Rate
Class A-7-2 $7,507,500.00               4.50%           Senior/Sequential/Fixed
                                                        Rate
Class A-7-3 $79,836,250.00              4.50%           Senior/Sequential/Fixed
                                                        Rate
--------------------------------------- --------------- ------------------------

        The  segments  of  the  Class  A-7   Certificates   are  not  separately
transferable.

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

                                        4
<PAGE>

                                    ARTICLE I

                                   DEFINITIONS

Section 1.01...Definitions.

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

        Accrued Certificate Interest: With respect to each Distribution Date, as
to any Class or Subclass of  Certificates  or Segment  (other than any Principal
Only Certificates),  interest accrued during the related Interest Accrual Period
at the  related  Pass-Through  Rate  on the  Certificate  Principal  Balance  or
Notional Amount thereof  immediately  prior to such Distribution  Date.  Accrued
Certificate  Interest  will  be  calculated  on the  basis  of a  360-day  year,
consisting of twelve 30-day months. In each case Accrued Certificate Interest on
any Class or Subclass of  Certificates  or Segment will be reduced by the amount
of:

        (i)    Prepayment  Interest  Shortfalls  on all  Mortgage  Loans (to the
               extent  not  offset by the  Master  Servicer  with a  payment  of
               Compensating Interest as provided in Section 4.01),

         (ii)  the interest  portion  (adjusted to the Net Mortgage Rate (or the
               Modified  Net  Mortgage  Rate in the case of a Modified  Mortgage
               Loan)) of Realized Losses on all Mortgage Loans (including Excess
               Special Hazard  Losses,  Excess Fraud Losses,  Excess  Bankruptcy
               Losses and  Extraordinary  Losses) not allocated solely to one or
               more specific Classes of Certificates pursuant to Section 4.05,

         (iii) the interest  portion of Advances that were (A)  previously  made
               with  respect to a Mortgage  Loan or REO Property on all Mortgage
               Loans, which remained unreimbursed following the Cash Liquidation
               or REO  Disposition of such Mortgage Loan or REO Property and (B)
               made  with  respect  to   delinquencies   that  were   ultimately
               determined  to be Excess  Special  Hazard  Losses,  Excess  Fraud
               Losses, Excess Bankruptcy Losses or Extraordinary Losses, and

        (iv)   any other interest  shortfalls  not covered by the  subordination
               provided by the Class M  Certificates  and Class B  Certificates,
               including  interest  that is not  collectible  from the Mortgagor
               pursuant to the Soldiers' and Sailors'  Civil Relief Act of 1940,
               as amended,  or similar  legislation  or regulations as in effect
               from time to time,

with all such reductions  allocated among all of the  Certificates in proportion
to their  respective  amounts of Accrued  Certificate  Interest  payable on such
Distribution  Date absent such  reductions  and,  with  respect to the Class A-7
Certificates,  any reductions will be allocated among those Classes'  respective
Segments on a pro rata basis in proportion to the respective  amounts of Accrued
Certificate  Interest  that would have been  payable on that  Distribution  Date
absent such reductions.  In addition to that portion of the reductions described
in  the  preceding  sentence  that  are  allocated  to  any  Class  of  Class  B
Certificates or any Class of Class M Certificates,  Accrued Certificate Interest
on such Class of Class B Certificates or such Class of Class M Certificates will
be  reduced by the  interest  portion  (adjusted  to the Net  Mortgage  Rate) of
Realized Losses that are allocated  solely to such Class of Class B Certificates
or such Class of Class M Certificates pursuant to Section 4.05.

                                       5
<PAGE>

     Adjustable  Rate   Certificates:   Any  of  the  Class  A-4  or  Class  A-5
Certificates.

        Bankruptcy  Amount:  As of any date of determination  prior to the first
anniversary  of the Cut-off Date, an amount equal to the excess,  if any, of (A)
$142,152 over (B) the aggregate amount of Bankruptcy  Losses allocated solely to
one or more specific  Classes of Certificates in accordance with Section 4.05 of
this Series  Supplement.  As of any date of  determination on or after the first
anniversary of the Cut-off Date, an amount equal to the excess, if any, of

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

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

(B)  the  greater  of (i) the  product  of (x) an  amount  equal to the  largest
     difference in the related  Monthly  Payment for any  Non-Primary  Residence
     Loan  remaining  in the  Mortgage  Pool (other than  Additional  Collateral
     Loans)  which had an original  Loan-to-Value  Ratio of 80% or greater  that
     would  result if the Net  Mortgage  Rate  thereof was equal to the weighted
     average  (based on the  principal  balance of the Mortgage  Loans as of the
     Relevant Anniversary) of the Net Mortgage Rates of all Mortgage Loans as of
     the Relevant  Anniversary  less 1.25% per annum,  (y) a number equal to the
     weighted average remaining term to maturity,  in months, of all Non-Primary
     Residence  Loans  remaining  in  the  Mortgage  Pool  as  of  the  Relevant
     Anniversary, and (z) one plus the quotient of the number of all Non-Primary
     Residence  Loans remaining in the Mortgage Pool divided by the total number
     of  Outstanding  Mortgage  Loans in the  Mortgage  Pool as of the  Relevant
     Anniversary, and (ii) $50,000,

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

        The  Bankruptcy  Amount  may be further  reduced by the Master  Servicer
(including  accelerating the manner in which such coverage is reduced)  provided
that prior to any such  reduction,  the Master Servicer shall (i) obtain written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency below the
lower of the then-current  rating or the rating assigned to such Certificates as

                                       6
<PAGE>

of the  Closing  Date by such  Rating  Agency  and (ii)  provide  a copy of such
written confirmation to the Trustee.

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

        Certificate  Account:  The  separate  account or  accounts  created  and
maintained  pursuant  to Section  4.01 of the  Standard  Terms,  which  shall be
entitled  "Deutsche Bank Trust Company  Americas,  as trustee,  in trust for the
registered holders of Residential  Accredit Loans, Inc.,  Mortgage  Asset-Backed
Pass-Through  Certificates,  Series  2003-QS2"  and  which  must be an  Eligible
Account.

        Certificate Policy:  None.

        Certificate  Principal  Balance:  With respect to each  Certificate,  as
defined in the  Standard  Terms and,  with  respect to each of the Class  A-7-1,
Class A-7-2 and Class A-7-3 Segments,  on any date of  determination,  an amount
equal to:

         (i)   the Initial Certificate Principal Balance of such Segment, minus

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

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

        Class  A-7-1  Segment:  That  portion  of  the  Class  A-7  Certificates
designated as such in the Preliminary Statement hereto.

        Class  A-7-2  Segment:  That  portion  of  the  Class  A-7  Certificates
designated as such in the Preliminary Statement hereto.

        Class  A-7-3  Segment:  That  portion  of  the  Class  A-7  Certificates
designated as such in the Preliminary Statement hereto.

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

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

        Class R-II Certificate:  Any one of the Class R-II Certificates executed
by the Trustee and authenticated by the Certificate  Registrar  substantially in

                                       7
<PAGE>

the form annexed to the Standard  Terms as Exhibit D and  evidencing an interest
designated  as a  "residual  interest"  in REMIC II for  purposes  of the  REMIC
Provisions.

        Closing Date:  February 27, 2003.

        Commission:  The Securities and Exchange Commission.

     Corporate Trust Office: The principal office of the Trustee at which at any
particular  time its corporate  trust  business  with respect to this  Agreement
shall  be  administered,  which  office  at the  date of the  execution  of this
instrument  is  located at 1761 East St.  Andrew  Place,  Santa Ana,  California
92705-4934, Attention: Residential Funding Corporation Series 2003-QS2.

        Cut-off Date:  February 1, 2003.

        Cut-off Date  Principal  Balance:  As to any Mortgage  Loan,  the unpaid
principal  balance  thereof  at the  Cut-off  Date  after  giving  effect to all
installments  of principal  due on or prior  thereto (or due during the month of
the Cut-off Date), whether or not received.

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

        Discount Net Mortgage Rate:  6.00% per annum.

     Due Period:  With respect to each Distribution  Date, the calendar month in
which such Distribution Date occurs.

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

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

        Floater Certificates:  Any one of the Class A-4 Certificates.

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

                                       8
<PAGE>

aggregate  amount  of Fraud  Losses  allocated  solely  to one or more  specific
Classes of  Certificates  in accordance  with Section 4.05 since the most recent
anniversary of the Cut-off Date up to such date of  determination.  On and after
the fifth anniversary of the Cut-off Date, the Fraud Loss Amount shall be zero.

        The Fraud  Loss  Amount may be  further  reduced by the Master  Servicer
(including  accelerating the manner in which such coverage is reduced)  provided
that prior to any such  reduction,  the Master Servicer shall (i) obtain written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency below the
lower of the then-current  rating or the rating assigned to such Certificates as
of the  Closing  Date by such  Rating  Agency  and (ii)  provide  a copy of such
written confirmation to the Trustee.

        Initial Monthly Payment Fund: $27,215,  representing scheduled principal
amortization and interest at the Net Mortgage Rate payable during the March 2003
Due Period,  for those Mortgage Loans for which the Trustee will not be entitled
to receive such payment.

        Initial  Notional  Amount:  With respect to the Class A-5  Certificates,
$136,453,250.  With respect to the Class A-V  Certificates  or Subclass  thereof
issued pursuant to Section 5.01(c), the aggregate Cut-off Date Principal Balance
of the  Mortgage  Loans  corresponding  to the  Uncertificated  REMIC I  Regular
Interests Z represented by such Class or Subclass on such date.

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

        Class M-1:  2.25%           Class B-1:  0.30%
        Class M-2:  1.00%           Class B-2:  0.30%
        Class M-3:  0.60%           Class B-3:  0.30%

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

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

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

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

        Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached
hereto as Exhibit One (as amended  from time to time to reflect the  addition of

                                       9
<PAGE>

Qualified  Substitute  Mortgage Loans),  which list or lists shall set forth the
following information as to each Mortgage Loan:

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

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

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

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

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

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

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

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

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

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

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

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

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

        Notional Amount:  As of any  Distribution  Date, (i) with respect to the
Class A-5 Certificates,  an amount equal to the Certificate Principal Balance of
the Class A-4 Certificates immediately prior to that date, and (ii) with respect
to any Class A-V  Certificates  or Subclass  thereof issued  pursuant to Section
5.01(c),   the  aggregate  Stated  Principal   Balance  of  the  Mortgage  Loans
corresponding to the  Uncertificated  REMIC I Regular Interests Z represented by
such Class or Subclass immediately prior to such date.

        Pass-Through Rate: With respect to the Senior  Certificates and Segments
(other than the Floater Certificates,  Inverse Floater  Certificates,  Class A-V
Certificates  and  Class A-P  Certificates),  Class M  Certificates  and Class B
Certificates  and any  Distribution  Date,  the per annum rates set forth in the
Preliminary Statement hereto.

o              With respect to the Floater Certificates and the initial Interest
               Accrual Period,  1.79% per annum,  and as to any Interest Accrual

                                       10
<PAGE>

               Period  thereafter,  a per annum rate equal to LIBOR plus  0.43%,
               subject to a maximum  rate of 8.50% per annum and a minimum  rate
               of 0.43% per annum.

o              With respect to the Inverse Floater  Certificates and the initial
               Interest Accrual Period,  6.71% per annum, and as to any Interest
               Accrual Period thereafter,  a per annum rate equal to 8.07% minus
               LIBOR, subject to a maximum rate of 8.07% per annum and a minimum
               rate of 0.00% per annum.

With respect to the Class A-V Certificates (other than any Subclass thereof) and
any  Distribution  Date,  a rate equal to the weighted  average,  expressed as a
percentage,  of the Pool Strip Rates of all Mortgage Loans as of the Due Date in
the related Due Period, weighted on the basis of the respective Stated Principal
Balances  of such  Mortgage  Loans  as of the  day  immediately  preceding  such
Distribution  Date (or,  with respect to the initial  Distribution  Date, at the
close  of  business  on  the  Cut-off  Date).  With  respect  to the  Class  A-V
Certificates and the initial Distribution Date the Pass-Through Rate is equal to
0.2656% per annum.  With respect to any Subclass of Class A-V  Certificates  and
any  Distribution  Date,  a rate equal to the weighted  average,  expressed as a
percentage,  of the Pool Strip Rates of all Mortgage Loans  corresponding to the
Uncertificated  REMIC I Regular  Interests Z represented  by such Subclass as of
the Due Date in the related Due Period,  weighted on the basis of the respective
Stated  Principal  Balances  of such  Mortgage  Loans as of the day  immediately
preceding such  Distribution  Date (or with respect to the initial  Distribution
Date,  at the  close of  business  on the  Cut-off  Date).  The  Principal  Only
Certificates  have  no  Pass-Through  Rate  and  are  not  entitled  to  Accrued
Certificate Interest.

        Prepayment  Assumption:   The  prepayment  assumption  to  be  used  for
determining  the  accrual of  original  issue  discount  and  premium and market
discount on the  Certificates  for federal income tax purposes,  which assumes a
constant  prepayment rate of 10.0% per annum of the then  outstanding  principal
balance of the  related  Mortgage  Loans in the first  month of the life of such
Mortgage Loans and an additional approximately 0.909091% per annum in each month
thereafter  until the twelfth  month,  and beginning in the twelfth month and in
each  month  thereafter  during  the  life of the  Mortgage  Loans,  a  constant
prepayment rate of 20.0% per annum.

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

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

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

                      (a) in the case of the Class of  Subordinate  Certificates
               then  outstanding  with the Highest Priority and each other Class
               of  Subordinate  Certificates  for which the  related  Prepayment
               Distribution Trigger has been satisfied, a fraction, expressed as

                                       11
<PAGE>

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

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

(iii)Notwithstanding  the  foregoing,   if  the  application  of  the  foregoing
     percentages  on any  Distribution  Date as provided in Section 4.02 of this
     Series  Supplement  (determined  without  regard  to  the  proviso  to  the
     definition of "Subordinate  Principal Distribution Amount") would result in
     a  distribution  in  respect  of  principal  of any  Class  or  Classes  of
     Subordinate   Certificates   in  an  amount   greater  than  the  remaining
     Certificate Principal Balance thereof (any such class, a "Maturing Class"),
     then:  (a) the  Prepayment  Distribution  Percentage of each Maturing Class
     shall be reduced to a level that,  when applied as described  above,  would
     exactly reduce the Certificate Principal Balance of such Class to zero; (b)
     the Prepayment  Distribution  Percentage of each other Class of Subordinate
     Certificates (any such Class, a "Non-Maturing Class") shall be recalculated
     in  accordance  with the  provisions  in  paragraph  (ii) above,  as if the
     Certificate  Principal  Balance of each Maturing  Class had been reduced to
     zero (such percentage as recalculated,  the "Recalculated Percentage"); (c)
     the  total  amount  of  the  reductions  in  the  Prepayment   Distribution
     Percentages of the Maturing Class or Classes pursuant to clause (a) of this
     sentence,  expressed as an aggregate  percentage,  shall be allocated among
     the  Non-Maturing  Classes in proportion to their  respective  Recalculated
     Percentages  (the portion of such  aggregate  reduction so allocated to any
     Non-Maturing Class, the "Adjustment  Percentage");  and (d) for purposes of
     such  Distribution  Date,  the Prepayment  Distribution  Percentage of each
     Non-Maturing  Class  shall  be  equal  to the  sum of  (1)  the  Prepayment
     Distribution   Percentage  thereof,   calculated  in  accordance  with  the
     provisions in paragraph (ii) above as if the Certificate  Principal Balance
     of each Maturing  Class had not been reduced to zero,  plus (2) the related
     Adjustment Percentage.

        Principal Only Certificates:  Any one of the Class A-P Certificates.

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

                                       12
<PAGE>

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

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

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

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

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

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

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

        REMIC I Certificates:  The Class R-I Certificates.

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

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

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

        Segment:  Any  one of the  Class  A-7-1,  Class  A-7-2  or  Class  A-7-3
Segments, as applicable.

                                       13
<PAGE>

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

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

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

        Servicing  Advances:  All  customary,  reasonable  and necessary "out of
pocket" costs and expenses incurred in connection with a default, delinquency or
other  unanticipated  event  by the  Master  Servicer  or a  Subservicer  in the
performance  of its servicing  obligations,  including,  but not limited to, the
cost of (i) the preservation, restoration and protection of a Mortgaged Property
or, with respect to a Cooperative Loan, the related Cooperative Apartment,  (ii)
any enforcement or judicial proceedings,  including foreclosures,  including any
expenses  incurred  in  relation  to any such  proceedings  that result from the
Mortgage Loan being  registered  on the MERS System,  (iii) the  management  and
liquidation of any REO Property,  (iv) any mitigation procedures  implemented in
accordance  with Section 3.07, and (v)  compliance  with the  obligations  under
Sections 3.01, 3.08, 3.11, 3.12(a) and 3.14,  including,  if the Master Servicer
or any Affiliate of the Master Servicer provides services such as appraisals and
brokerage services that are customarily provided by Persons other than servicers
of mortgage loans, reasonable compensation for such services.

        Special Hazard Amount:  As of any Distribution  Date, an amount equal to
$4,224,083  minus the sum of (i) the aggregate  amount of Special  Hazard Losses
allocated  solely to one or more specific  Classes of Certificates in accordance
with Section 4.05 of this Series  Supplement and (ii) the Adjustment  Amount (as
defined below) as most recently calculated.  For each anniversary of the Cut-off
Date, the Adjustment  Amount shall be equal to the amount,  if any, by which the
amount  calculated in accordance  with the preceding  sentence  (without  giving
effect to the deduction of the Adjustment Amount for such  anniversary)  exceeds
the greater of (A) the greatest of (i) twice the outstanding  principal  balance
of the  Mortgage  Loan in the  Trust  Fund  which  has the  largest  outstanding

                                       14
<PAGE>

principal   balance  on  the  Distribution   Date  immediately   preceding  such
anniversary,  (ii) the product of 1.00% multiplied by the outstanding  principal
balance of all Mortgage Loans on the  Distribution  Date  immediately  preceding
such anniversary and (iii) the aggregate  outstanding  principal  balance (as of
the immediately preceding Distribution Date) of the Mortgage Loans in any single
five-digit California zip code area with the largest amount of Mortgage Loans by
aggregate  principal  balance as of such  anniversary and (B) the greater of (i)
the product of 0.50%  multiplied  by the  outstanding  principal  balance of all
Mortgage Loans on the Distribution  Date immediately  preceding such anniversary
multiplied  by a  fraction,  the  numerator  of which is equal to the  aggregate
outstanding  principal  balance (as of the  immediately  preceding  Distribution
Date) of all of the Mortgage  Loans secured by Mortgaged  Properties  located in
the State of California divided by the aggregate  outstanding  principal balance
(as of the  immediately  preceding  Distribution  Date)  of all of the  Mortgage
Loans, expressed as a percentage, and the denominator of which is equal to 38.3%
(which  percentage  is equal to the  percentage  of Mortgage  Loans by aggregate
principal balance initially secured by Mortgaged Properties located in the State
of California) and (ii) the aggregate  outstanding  principal balance (as of the
immediately preceding Distribution Date) of the largest Mortgage Loan secured by
a Mortgaged  Property  (or,  with  respect to a  Cooperative  Loan,  the related
Cooperative Apartment) located in the State of California.

        The Special Hazard Amount may be further  reduced by the Master Servicer
(including  accelerating the manner in which coverage is reduced)  provided that
prior to any such  reduction,  the  Master  Servicer  shall (i)  obtain  written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency below the
lower of the then-current  rating or the rating assigned to such Certificates as
of the  Closing  Date by such  Rating  Agency  and (ii)  provide  a copy of such
written confirmation to the Trustee.

        Subordinate   Principal   Distribution   Amount:  With  respect  to  any
Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i)
the product of (x) the related  Subordinate  Class Percentage for such Class and
(y) the  aggregate  of the  amounts  calculated  (without  giving  effect to the
related Senior  Percentages) for such  Distribution  Date under clauses (1), (2)
and (3) of Section 4.02(a)(ii)(Y)(A); (ii) such Class's pro rata share, based on
the Certificate Principal Balance of each Class of Subordinate Certificates then
outstanding,    of   the    principal    collections    described   in   Section
4.02(a)(ii)(Y)(B)(b)   (without   giving   effect  to  the  Senior   Accelerated
Distribution  Percentage)  to the  extent  such  collections  are not  otherwise
distributed  to the Senior  Certificates;  (iii) the  product of (x) the related
Prepayment  Distribution  Percentage  and (y)  the  aggregate  of all  Principal
Prepayments in Full received in the related  Prepayment  Period and Curtailments
received in the  preceding  calendar  month  (other  than the  related  Discount
Fraction of such Principal  Prepayments in Full and Curtailments with respect to
a Discount Mortgage Loan) to the extent not payable to the Senior  Certificates;
(iv) if such Class is the Class of  Subordinate  Certificates  with the  Highest
Priority,  any Excess  Subordinate  Principal Amount for such Distribution Date;
and (v) any amounts  described in clauses (i), (ii) and (iii) as determined  for
any previous  Distribution  Date, that remain  undistributed  to the extent that
such amounts are not  attributable  to Realized Losses which have been allocated
to a Class of  Subordinate  Certificates  minus (b) with respect to the Class of
Subordinate  Certificates  with the  Lowest  Priority,  any  Excess  Subordinate
Principal  Amount  for  such  Distribution  Date;  provided,  however,  that the
Subordinate   Principal   Distribution  Amount  for  any  Class  of  Subordinate

                                       15
<PAGE>

Certificates on any  Distribution  Date shall in no event exceed the outstanding
Certificate Principal Balance of such Class of Certificates immediately prior to
such date.

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

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

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

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

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

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

        3.      The Uncertificated  REMIC I Distribution Amount for each REMIC I
                Regular Interest identified in the table below shall be, for any

                                       16
<PAGE>

                Distribution Date, the amount deemed distributed with respect to
                such   Uncertificated   REMIC  I   Regular   Interest   on  such
                Distribution   Date  pursuant  to  the   provisions  of  Section
                10.04(a).

<TABLE>
<CAPTION>

----------------------- --------------------------------- ------------------- -------------------
 Uncertificated REMIC   Related Classes of Certificates   Pass-Through Rate   Initial Principal
  I Regular Interest                                                               Balance
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
<S>                             <C>                       <C>                    <C>
          T             Class A-1                         4.00%                  $ 50,000,000.00
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          U             Class A-3                         5.875%                 $ 50,000,000.00
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          V             Class A-4, Class A-5              8.50%                  $136,453,250.00
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          W             Class A-6, Class A-7              4.50%                  $156,588,750.00
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          X             Class A-P                         0.00%                  $  2,115,834.89
----------------------- --------------------------------- ------------------- -------------------
----------------------- --------------------------------- ------------------- -------------------
          Y             Class A-2, Class R-II, Class      6.00%                  $ 27,250,319.81
                        M-1, Class M-2, Class M-3,
                        Class B-1, Class B-2, Class B-3
----------------------- --------------------------------- ------------------- -------------------
</TABLE>

        Uncertificated   REMIC  I  Regular   Interests  Z:  Each  of  the  2,216
uncertificated  partial undivided  beneficial  ownership  interests in the Trust
Fund,  numbered  sequentially  from 1 to 2,216,  each relating to the particular
Mortgage  Loan  identified  by  such  sequential  number  on the  Mortgage  Loan
Schedule,  each having no principal  balance,  and each bearing  interest at the
respective  Pool  Strip  Rate on the Stated  Principal  Balance  of the  related
Mortgage Loan.

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

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

        Uncertificated   REMIC  II  Regular  Interests  Z:  Each  of  the  2,216
uncertificated  partial  undivided  beneficial  ownership  interests in REMIC II
numbered  sequentially  from 1 through  2,216 each  relating to the  identically
numbered  Uncertificated  REMIC I Regular  Interests Z, each having no principal
balance and bearing  interest at a rate equal to the related  Pool Strip Rate on
the Stated  Principal  Balance of the Mortgage  Loan related to the  identically
numbered   Uncertificated   REMIC  I  Regular   Interests  Z,   comprising  such
Uncertificated  REMIC II  Regular  Interests  Z's pro rata  share of the  amount
distributed pursuant to Sections 10.04(a).

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

     Underwriters: Greenwich Capital Markets, Inc. and Salomon Smith Barney Inc.

                                       17
<PAGE>

Section 1.02.  Use of Words and Phrases.

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

        Section 1.03. Determination of LIBOR.

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

        On each  Distribution  Date,  LIBOR shall be  established by the Trustee
and, as to any Interest Accrual Period, will equal the rate for one month United
States  dollar  deposits  that appears on the  Telerate  Screen Page 3750 of the
Moneyline  Telerate Capital Markets Report as of 11:00 a.m., London time, on the
second LIBOR Business Day prior to the first day of such Interest Accrual Period
("LIBOR Rate Adjustment  Date").  "Telerate  Screen Page 3750" means the display
designated  as page 3750 on the  Telerate  Service  (or such  other  page as may
replace page 3750 on that service for the purpose of displaying London interbank
offered  rates of major  banks).  If such rate does not  appear on such page (or
such other page as may replace that page on that service,  or if such service is
no longer offered, any other service for displaying LIBOR or comparable rates as
may be selected by the Trustee after consultation with the Master Servicer), the
rate  will be the  Reference  Bank  Rate.  The  "Reference  Bank  Rate"  will be
determined  on the  basis of the rates at which  deposits  in U.S.  Dollars  are
offered by the  reference  banks  (which shall be any three major banks that are
engaged in transactions in the London interbank market,  selected by the Trustee
after  consultation  with the Master Servicer) as of 11:00 a.m., London time, on
the day  that is one  LIBOR  Business  Day  prior to the  immediately  preceding
Distribution  Date to prime banks in the London interbank market for a period of
one month in amounts  approximately equal to the aggregate Certificate Principal
Balance of the Adjustable Rate Certificates  then outstanding.  The Trustee will
request the principal  London office of each of the reference banks to provide a
quotation of its rate. If at least two such  quotations  are provided,  the rate
will be the arithmetic mean of the quotations rounded up to the next multiple of
1/16%. If on such date fewer than two quotations are provided as requested,  the
rate will be the arithmetic  mean of the rates quoted by one or more major banks
in New York City,  selected by the Trustee  after  consultation  with the Master
Servicer,  as of 11:00 a.m.,  New York City time, on such date for loans in U.S.
Dollars  to  leading  European  banks  for a  period  of one  month  in  amounts
approximately  equal  to the  aggregate  Certificate  Principal  Balance  of the
Adjustable  Rate  Certificates  then  outstanding.  If no such quotations can be
obtained,  the rate will be LIBOR for the prior  Distribution  Date,  or, in the
case of the  first  LIBOR  Rate  Adjustment  Date,  1.36% per  annum;  provided,
however, if, under the priorities described above, LIBOR for a Distribution Date
would be  based  on  LIBOR  for the  previous  Distribution  Date for the  third
consecutive  Distribution  Date, the Trustee shall,  after consultation with the
Master Servicer,  select an alternative comparable index (over which the Trustee
has no control), used for determining one-month Eurodollar lending rates that is
calculated and published (or otherwise made available) by an independent  party.
"LIBOR Business Day" means any day other than (i) a Saturday or a Sunday or (ii)
a day on which banking institutions in the city of London,  England are required
or authorized by law to be closed.

                                       18
<PAGE>

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

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

                                       19
<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;

                        ORIGINAL ISSUANCE OF CERTIFICATES

Section 2.01.  Conveyance of Mortgage Loans.
               ----------------------------

(a) The Company,  concurrently  with the  execution  and delivery  hereof,  does
hereby assign to the Trustee without recourse all the right,  title and interest
of the  Company  in and  to the  Mortgage  Loans,  including  all  interest  and
principal  received on or with respect to the  Mortgage  Loans after the Cut-off
Date (other than payments of principal and interest due on the Mortgage Loans in
the month of the Cut-off Date).

        (b) - (h). (See Section 2.01(b) - (h) of the Standard Terms)

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

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

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

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

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

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

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

(iv) To the  best of the  Company's  knowledge,  except  with  respect  to three
     Mortgage Loans representing  approximately 0.2% of the principal balance of
     the  Mortgage  Loans at  origination,  if a  Mortgage  Loan is secured by a
     Mortgaged  Property with a Loan-to-Value  Ratio at origination in excess of
     80%, such Mortgage Loan is the subject of a Primary  Insurance  Policy that
     insures (a) at least 35% of the Stated  Principal  Balance of the  Mortgage
     Loan at  origination  if the  Loan-to-Value  Ratio is between  100.00%  and
     95.01%,  (b) at least 30% of the Stated  Principal  Balance of the Mortgage

                                       20
<PAGE>

     Loan at  origination  if the  Loan-to-Value  Ratio is  between  95.00%  and
     90.01%,  (c) at least 25% of such  balance  if the  Loan-to-Value  Ratio is
     between  90.00%  and  85.01%  and (d) at least 12% of such  balance  if the
     Loan-to-Value  Ratio  is  between  85.00%  and  80.01%.  To the best of the
     Company's  knowledge,  each such Primary  Insurance Policy is in full force
     and effect and the Trustee is entitled to the benefits thereunder;

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

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

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

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

(ix)    Approximately 59.41% of the Mortgage Loans by aggregate Stated Principal
        Balance as of the Cut-off  Date were  underwritten  under a reduced loan
        documentation  program,  approximately  16.30% of the Mortgage  Loans by
        aggregate  Stated  Principal   Balance  as  of  the  Cut-off  Date  were
        underwritten under a no-stated income program,  and approximately  2.80%
        of the Mortgage Loans by aggregate  Stated  Principal  Balance as of the
        Cut-off Date were underwritten under a no income/no asset program;

(x)     Except with respect to  approximately  22.12% of the  Mortgage  Loans by
        aggregate Stated Principal Balance as of the Cut-off Date, the Mortgagor
        represented in its loan application with respect to the related Mortgage
        Loan that the Mortgaged Property would be owner-occupied;

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

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

                                       21
<PAGE>

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

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

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

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

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

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

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

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

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

        Upon discovery by any of the Company,  the Master Servicer,  the Trustee
or any Custodian of a breach of any of the  representations  and  warranties set
forth  in this  Section  2.03(b)  that  materially  and  adversely  affects  the
interests of the  Certificateholders in any Mortgage Loan, the party discovering
such breach shall give prompt written notice to the other parties (any Custodian
being so obligated under a Custodial Agreement);  provided, however, that in the
event of a breach  of the  representation  and  warranty  set  forth in  Section
2.03(b)(xii),  the party  discovering  such breach shall give such notice within
five days of discovery. Within 90 days of its discovery or its receipt of notice
of  breach,  the  Company  shall  either  (i) cure such  breach in all  material
respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase

                                       22
<PAGE>

Price and in the manner set forth in Section  2.02;  provided  that the  Company
shall have the option to  substitute  a Qualified  Substitute  Mortgage  Loan or
Loans  for such  Mortgage  Loan if such  substitution  occurs  within  two years
following the Closing Date;  provided that if the omission or defect would cause
the Mortgage Loan to be other than a "qualified  mortgage" as defined in Section
860G(a)(3) of the Code,  any such cure or  repurchase  must occur within 90 days
from the date  such  breach  was  discovered.  Any  such  substitution  shall be
effected  by the  Company  under the same terms and  conditions  as  provided in
Section 2.04 for  substitutions  by  Residential  Funding.  It is understood and
agreed that the  obligation of the Company to cure such breach or to so purchase
or  substitute  for any Mortgage Loan as to which such a breach has occurred and
is continuing shall constitute the sole remedy  respecting such breach available
to the  Certificateholders  or the Trustee on behalf of the  Certificateholders.
Notwithstanding  the  foregoing,  the  Company  shall  not be  required  to cure
breaches  or  purchase  or  substitute  for  Mortgage  Loans as provided in this
Section  2.03(b) if the  substance of the breach of a  representation  set forth
above also constitutes fraud in the origination of the Mortgage Loan.

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

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

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

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

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

                                       23
<PAGE>

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

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

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

                                       24
<PAGE>

                                  ARTICLE III

                          ADMINISTRATION AND SERVICING

                                OF MORTGAGE LOANS

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

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

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

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

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

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

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

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

                                       25
<PAGE>

with the  liquidation of the related  Mortgage Loan or except in connection with
prepayments to the extent that such  reamortization is not inconsistent with the
terms of the Mortgage  Loan), or extend the final maturity date of such Mortgage
Loan,  unless such Mortgage Loan is in default or, in the judgment of the Master
Servicer, such default is reasonably foreseeable; and provided, further, that no
such  modification  shall reduce the interest  rate on a Mortgage Loan below the
sum of the  rates at  which  the  Servicing  Fee and the  Subservicing  Fee with
respect to such Mortgage Loan accrue.  The final  maturity date for any Mortgage
Loan shall not be extended  beyond the Maturity  Date.  In  connection  with any
Curtailment  of a  Mortgage  Loan,  the  Master  Servicer,  to  the  extent  not
inconsistent with the terms of the Mortgage Note and local law and practice, may
permit the  Mortgage  Loan to be  reamortized  such that the Monthly  Payment is
recalculated  as an  amount  that  will  fully  amortize  the  remaining  Stated
Principal  Balance  thereof by the original  Maturity Date based on the original
Mortgage Rate; provided,  that such re-amortization shall not be permitted if it
would  constitute  a  reissuance  of the  Mortgage  Loan for federal  income tax
purposes,  except if such reissuance is described in Treasury Regulation Section
1.860G-2(b)(3).

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

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

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

        Section 3.10. Permitted Withdrawals from the Custodial Account.

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

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

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

                      (vii) to reimburse  itself or the related  Subservicer for
               any  Nonrecoverable  Advance or Advances in the manner and to the
               extent  provided  in  subsection  (c) below,  and any  Advance or
               Servicing  Advance made in  connection  with a modified  Mortgage
               Loan  that  is in  default  or,  in the  judgment  of the  Master
               Servicer,  default is reasonably  foreseeable pursuant to Section
               3.07(a),  to the extent the amount of the  Advance has been added

                                       26
<PAGE>

               to the outstanding principal balance of the Mortgage Loan, or any
               Advance  reimbursable to the Master Servicer  pursuant to Section
               4.02(a);

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

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

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

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

        Section 3.14. Realization Upon Defaulted Mortgage Loans.

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

                                       27
<PAGE>

        have priority for purposes of  withdrawals  from the  Custodial  Account
        pursuant to Section  3.10,  whether or not such expenses and charges are
        actually  recoverable  from  related  Liquidation  Proceeds,   Insurance
        Proceeds or REO Proceeds).  In the event of such a determination  by the
        Master Servicer  pursuant to this Section  3.14(a),  the Master Servicer
        shall be entitled to  reimbursement  of such amounts pursuant to Section
        3.10.

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

                                       28
<PAGE>

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

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

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

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

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

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

        Section 3.18. Annual Statement as to Compliance.

        The Master  Servicer  will  deliver to the Company and the Trustee on or
before the earlier of (a) March 31 of each year,  beginning with the first March
31 that occurs at least six months after the Cut-off Date or (b) with respect to
any  calendar  year during  which the  Company's  annual  report on Form 10-K is
required  to be filed in  accordance  with the  Exchange  Act and the  rules and

                                       29
<PAGE>

regulations of the Commission,  the date on which the annual report on Form 10-K
is required to be filed in  accordance  with the  Exchange Act and the rules and
regulations of the  Commission,  an Officers'  Certificate  stating,  as to each
signer  thereof,  that (i) a review of the  activities  of the  Master  Servicer
during the preceding  calendar  year related to its servicing of mortgage  loans
and its  performance  under pooling and  servicing  agreements,  including  this
Agreement,  has been made under such officers' supervision,  (ii) to the best of
such officers' knowledge, based on such review, the Master Servicer has complied
in all material respects with the minimum  servicing  standards set forth in the
Uniform Single Attestation Program for Mortgage Bankers and has fulfilled all of
its material  obligations  relating to this  Agreement in all material  respects
throughout  such year,  or, if there has been material  noncompliance  with such
servicing  standards or a default in the fulfillment in all material respects of
any such obligation  relating to this Agreement,  such statement shall include a
description of such noncompliance or specify each such default,  as the case may
be,  known to such  officer  and the nature and status  thereof and (iii) to the
best of such officers' knowledge,  each Subservicer has complied in all material
respects with the minimum  servicing  standards set forth in the Uniform  Single
Attestation  Program for Mortgage  Bankers and has fulfilled all of its material
obligations under its Subservicing Agreement in all material respects throughout
such year,  or, if there has been  material  noncompliance  with such  servicing
standards or a material default in the fulfillment of such obligations  relating
to  this  Agreement,   such  statement  shall  include  a  description  of  such
noncompliance  or specify each such  default,  as the case may be, known to such
officer and the nature and status thereof.

        Section 3.19. Annual Independent Public Accountants' Servicing Report.

        On or before the  earlier of (a) March 31 of each year,  beginning  with
the first March 31 that occurs at least six months  after the Cut-off  Date,  or
(b) with respect to any calendar year during which the  Company's  annual report
on Form 10-K is required to be filed in accordance with the Exchange Act and the
rules and regulations of the Commission,  the date on which the annual report is
required  to be filed in  accordance  with the  Exchange  Act and the  rules and
regulations of the Commission,  the Master Servicer at its expense shall cause a
firm of independent public  accountants,  which shall be members of the American
Institute of Certified  Public  Accountants,  to furnish a report to the Company
and the  Trustee  stating  its  opinion  that,  on the  basis of an  examination
conducted by such firm substantially in accordance with standards established by
the American  Institute of Certified  Public  Accountants,  the assertions  made
pursuant  to  Section  3.18  regarding  compliance  with the  minimum  servicing
standards  set forth in the Uniform  Single  Attestation  Program  for  Mortgage
Bankers  during the  preceding  calendar  year are fairly stated in all material
respects,  subject to such  exceptions  and other  qualifications  that,  in the
opinion of such  firm,  such  accounting  standards  require  it to  report.  In
rendering  such  statement,  such firm may rely,  as to matters  relating to the
direct servicing of mortgage loans by Subservicers,  upon comparable  statements
for examinations  conducted by independent public  accountants  substantially in
accordance  with standards  established  by the American  Institute of Certified
Public Accountants  (rendered within one year of such statement) with respect to
such Subservicers.

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

                                       30
<PAGE>

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

                                       31
<PAGE>

ARTICLE IV.....

<PAGE>

                         PAYMENTS TO CERTIFICATEHOLDERS

Section 4.01...Certificate Account.

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

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

Section 4.02...Distributions.

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

                                       32
<PAGE>

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

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

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

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

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

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

     (3)  the principal portion of all other unscheduled collections (other than
          Principal Prepayments in Full and Curtailments and amounts received in
          connection  with a Cash  Liquidation or REO  Disposition of a Mortgage
          Loan described in Section 4.02(a)(ii)(Y)(B) of this Series Supplement,

                                       33
<PAGE>

          including without limitation Insurance Proceeds,  Liquidation Proceeds
          and REO Proceeds),  including Subsequent  Recoveries,  received during
          the  preceding  calendar  month (or deemed to have been so received in
          accordance  with Section  3.07(b) of the Standard Terms) to the extent
          applied by the Master  Servicer  as  recoveries  of  principal  of the
          related  Mortgage Loan pursuant to Section 3.14 of the Standard  Terms
          (other than the related Discount  Fraction of the principal portion of
          such unscheduled  collections,  with respect to each Discount Mortgage
          Loan);

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

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

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

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

          (iii)if  the  Certificate   Principal   Balances  of  the  Subordinate
     Certificates  have not been  reduced to zero,  to the Master  Servicer or a
     Sub-Servicer,  by remitting  for deposit to the Custodial  Account,  to the
     extent of and in  reimbursement  for any Advances or Sub-Servicer  Advances
     previously  made with  respect to any Mortgage  Loan or REO Property  which
     remain  unreimbursed in whole or in part following the Cash  Liquidation or

                                       34
<PAGE>

     REO  Disposition  of such  Mortgage  Loan or REO  Property,  minus any such
     Advances  that were made with  respect  to  delinquencies  that  ultimately
     constituted  Excess  Special  Hazard  Losses,  Excess Fraud Losses,  Excess
     Bankruptcy Losses or Extraordinary Losses;

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

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

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

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

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

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

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

               (xi) to the  Holders  of the  Class B-1  Certificates,  an amount
        equal to (x) the  Subordinate  Principal  Distribution  Amount  for such
        Class of Certificates for such Distribution Date minus (y) the amount of
        any  Class  A-P  Collection  Shortfalls  for such  Distribution  Date or
        remaining unpaid for all previous  Distribution Dates, to the extent the

                                       35
<PAGE>

        amounts  available  pursuant  to clause (x) of  Sections  4.02(a)(xiii),
        (xiv) and (xv) are  insufficient  therefor,  applied in reduction of the
        Certificate Principal Balance of the Class B-1 Certificates;

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

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

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

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

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

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

        Notwithstanding the foregoing, on any Distribution Date, with respect to
the Class of Subordinate Certificates outstanding on such Distribution Date with
the Lowest Priority, or in the event the Subordinate  Certificates are no longer

                                       36
<PAGE>

outstanding,  the Senior  Certificates,  Accrued  Certificate  Interest  thereon
remaining unpaid from any previous  Distribution Date will be distributable only
to the extent that such unpaid Accrued Certificate  Interest was attributable to
interest  shortfalls  relating to the failure of the Master Servicer to make any
required Advance,  or the determination by the Master Servicer that any proposed
Advance would be a  Nonrecoverable  Advance with respect to the related Mortgage
Loan where such Mortgage Loan has not yet been the subject of a Cash Liquidation
or REO Disposition or the related Liquidation  Proceeds,  Insurance Proceeds and
REO Proceeds have not yet been distributed to the Certificateholders.

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

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

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

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

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

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

                                       37
<PAGE>

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

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

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

(B)  second, concurrently as follows, until the Certificate Principal Balance of
     the Class A-7-3 Segment has been reduced to zero:

                          (1)  12.187437983727%  to the Class A-4  Certificates,
                      until the Certificate  Principal  Balance of the Class A-4
                      Certificates has been reduced to zero;

                          (2) 20.312396639545% to the Class A-7-3 Segment, until
                      the  Certificate  Principal  Balance  of the  Class  A-7-3
                      Segment has been reduced to zero; and

                          (3)  67.500165376728%  in  the  following  manner  and
                      priority:

                             (a)  first,  concurrently,  as  follows,  until the
                      Certificate  Principal  Balance of the Class A-7-1 Segment
                      has been reduced to zero:

                                    (i)  37.5% to the  Class  A-4  Certificates,
                             until  the  Certificate  Principal  Balance  of the
                             Class A-4  Certificates  has been  reduced to zero;
                             and

                                    (ii) 62.5% to the Class A-7-1 Segment, until
                             the  Certificate  Principal  Balance  of the  Class
                             A-7-1 Segment has been reduced to zero;

                             (b)  second,  concurrently  as  follows,  until the
                      Certificate   Principal   Balances   of  the   Class   A-1
                      Certificates and Class A-6 Certificates  have been reduced
                      to zero:

                                    (i)   41.0714285714%   to  the   Class   A-4
                             Certificates,   until  the  Certificate   Principal
                             Balance  of the  Class  A-4  Certificates  has been
                             reduced to zero;

                                    (ii)   28.5714285714%   to  the   Class  A-1
                             Certificates,   until  the  Certificate   Principal
                             Balance  of the  Class  A-1  Certificates  has been
                             reduced to zero; and

                                       38
<PAGE>

                                    (iii)   30.3571428572%   to  the  Class  A-6
                             Certificates,   until  the  Certificate   Principal
                             Balance  of the  Class  A-6  Certificates  has been
                             reduced to zero;

                             (c)  third,  concurrently  as  follows,  until  the
                      Certificate  Principal  Balance of the Class A-7-2 Segment
                      has been reduced to zero:

                                    (i)  37.5% to the  Class  A-4  Certificates,
                             until  the  Certificate  Principal  Balance  of the
                             Class A-4  Certificates  has been  reduced to zero;
                             and

                                    (ii) 62.5% to the Class A-7-2 Segment, until
                             the  Certificate  Principal  Balance  of the  Class
                             A-7-2 Segment has been reduced to zero; and

                             (d)  fourth,  concurrently  as  follows,  until the
                      Certificate   Principal   Balances   of  the   Class   A-4
                      Certificates and Class A-3 Certificates  have been reduced
                      to zero:

                                    (i)   4.7619047619%   to   the   Class   A-4
                             Certificates,   until  the  Certificate   Principal
                             Balance  of the  Class  A-4  Certificates  has been
                             reduced to zero; and

                                    (ii)   95.2380952381%   to  the   Class  A-3
                             Certificates,   until  the  Certificate   Principal
                             Balance  of the  Class  A-3  Certificates  has been
                             reduced to zero; and

(C)            third,  to the Class  A-2  Certificates,  until  the  Certificate
               Principal  Balance of the Class A-2 Certificates has been reduced
               to zero.

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

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

                                       39
<PAGE>

(e) In addition to the foregoing  distributions,  with respect to any Subsequent
Recoveries,  the Master  Servicer  shall  deposit such funds into the  Custodial
Account  pursuant to Section  3.07(b)(iii).  If,  after taking into account such
Subsequent  Recoveries,  the amount of a Realized Loss is reduced, the amount of
such Subsequent Recoveries will be applied to increase the Certificate Principal
Balance of the Class of Subordinate  Certificates  with a Certificate  Principal
Balance  greater than zero with the highest  payment  priority to which Realized
Losses, other than Excess Bankruptcy Losses, Excess Fraud Losses, Excess Special
Hazard Losses and  Extraordinary  Losses,  have been allocated,  but not by more
than the  amount  of  Realized  Losses  previously  allocated  to that  Class of
Certificates  pursuant to Section 4.05.  The amount of any remaining  Subsequent
Recoveries  will be  applied to  increase  from zero the  Certificate  Principal
Balance of the Class of Certificates with the next lower payment priority, up to
the amount of Realized Losses previously allocated to that Class of Certificates
pursuant to Section 4.05. Any remaining  Subsequent  Recoveries  will in turn be
applied to increase from zero the Certificate  Principal Balance of the Class of
Certificates  with the next lower payment  priority up to the amount of Realized
Losses  previously  allocated to that Class of Certificates  pursuant to Section
4.05,  and so on.  Holders  of such  Certificates  will not be  entitled  to any
payment  in  respect  of  Accrued  Certificate  Interest  on the  amount of such
increases for any Interest  Accrual Period preceding the Interest Accrual Period
that relates to the Distribution  Date on which such increase  occurs.  Any such
increases  shall  be  applied  to the  Certificate  Principal  Balance  of  each
Certificate of such Class in accordance with its respective Percentage Interest.

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

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

                                       40
<PAGE>

Section 4.03.  Statements to Certificateholders; Exchange Act Reporting.

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

        (e) The Master Servicer shall, on behalf of the Depositor and in respect
of the Trust Fund,  sign and cause to be filed with the  Commission any periodic
reports  required to be filed under the  provisions of the Exchange Act, and the
rules and  regulations  of the  Commission  thereunder.  In connection  with the
preparation  and filing of such  periodic  reports,  the  Trustee  shall  timely
provide to the Master Servicer (I) a list of  Certificateholders as shown on the
Certificate  Register as of the end of each  calendar  year,  (II) copies of all
pleadings,  other legal process and any other documents  relating to any claims,
charges or complaints involving the Trustee, as trustee hereunder,  or the Trust
Fund that are received by the Trustee,  (III) notice of all matters that, to the
actual knowledge of a Responsible Officer of the Trustee, have been submitted to
a vote of the  Certificateholders,  other  than  those  matters  that  have been
submitted to a vote of the Certificateholders at the request of the Depositor or
the Master  Servicer,  and (IV) notice of any failure of the Trustee to make any
distribution  to the  Certificateholders  as  required  pursuant  to this Series
Supplement. Neither the Master Servicer nor the Trustee shall have any liability
with respect to the Master  Servicer's  failure to properly prepare or file such
periodic reports resulting from or relating to the Master  Servicer's  inability
or failure to obtain any  information  not resulting from the Master  Servicer's
own negligence or willful misconduct. Any Form 10-K filed with the Commission in
connection  with this Section 4.03(e) shall include a  certification,  signed by
the senior officer in charge of the servicing  functions of the Master Servicer,
in the form  attached  as  Exhibit  Five  hereto  or such  other  form as may be
required or  permitted by the  Commission  (the "Form 10-K  Certification"),  in
compliance  with  Rules  13a-14  and  15d-14  under  the  Exchange  Act  and any
additional  directives  of the  Commission.  In  connection  with the Form  10-K
Certification,  the Trustee  shall  provide the Master  Servicer  with a back-up
certification  substantially  in the form  attached  hereto as Exhibit Six. This
Section  4.03(e) may be amended in accordance  with this  Agreement  without the
consent of the Certificateholders.

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

        (a). (See Section 4.04(a) of the Standard Terms)

        (b) On or before  2:00 P.M.  New York time on each  Certificate  Account
Deposit Date, the Master  Servicer  shall either (i) deposit in the  Certificate
Account from its own funds, or funds received therefor from the Subservicers, an
amount equal to the Advances to be made by the Master Servicer in respect of the
related  Distribution  Date,  which shall be in an aggregate amount equal to the
aggregate  amount of  Monthly  Payments  (with  each  interest  portion  thereof
adjusted to the Net  Mortgage  Rate),  less the amount of any related  Servicing
Modifications,  Debt Service  Reductions or reductions in the amount of interest
collectable  from the Mortgagor  pursuant to the  Soldiers'  and Sailors'  Civil
Relief Act of 1940, as amended,  or similar  legislation or regulations  then in
effect,  on the  Outstanding  Mortgage  Loans as of the related Due Date,  which
Monthly Payments were not received as of the close of business as of the related
Determination  Date;  provided  that no  Advance  shall be made if it would be a
Nonrecoverable  Advance,  (ii) withdraw from amounts on deposit in the Custodial

                                       41
<PAGE>

Account  and deposit in the  Certificate  Account all or a portion of the Amount
Held for Future  Distribution  in discharge of any such  Advance,  or (iii) make
advances in the form of any  combination of (i) and (ii)  aggregating the amount
of such Advance.  Any portion of the Amount Held for Future Distribution so used
shall be replaced by the Master Servicer by deposit in the  Certificate  Account
on or before 11:00 A.M. New York time on any future Certificate  Account Deposit
Date to the  extent  that  funds  attributable  to the  Mortgage  Loans that are
available in the  Custodial  Account for deposit in the  Certificate  Account on
such   Certificate   Account  Deposit  Date  shall  be  less  than  payments  to
Certificateholders  required to be made on the following  Distribution Date. The
Master  Servicer  shall be entitled to use any Advance made by a Subservicer  as
described in Section 3.07(b) that has been deposited in the Custodial Account on
or before  such  Distribution  Date as part of the  Advance  made by the  Master
Servicer pursuant to this Section 4.04. The amount of any reimbursement pursuant
to Section 4.02(a) in respect of outstanding  Advances on any Distribution  Date
shall be allocated to specific  Monthly Payments due but delinquent for previous
Due Periods,  which  allocation  shall be made,  to the extent  practicable,  to
Monthly Payments which have been delinquent for the longest period of time. Such
allocations  shall be  conclusive  for purposes of  reimbursement  to the Master
Servicer from recoveries on related Mortgage Loans pursuant to Section 3.10.

        The   determination   by  the  Master   Servicer  that  it  has  made  a
Nonrecoverable Advance or that any proposed Advance, if made, would constitute a
Nonrecoverable  Advance,  shall be evidenced by an Officers'  Certificate of the
Master Servicer delivered to the Company and the Trustee.

        If the Master  Servicer  determines as of the Business Day preceding any
Certificate  Account  Deposit  Date  that it will be unable  to  deposit  in the
Certificate  Account an amount equal to the Advance  required to be made for the
immediately succeeding Distribution Date, it shall give notice to the Trustee of
its inability to advance (such notice may be given by telecopy),  not later than
3:00 P.M.,  New York time, on such Business Day,  specifying the portion of such
amount  that it will be unable to  deposit.  Not later than 3:00 P.M.,  New York
time, on the Certificate Account Deposit Date the Trustee shall, unless by 12:00
Noon, New York time, on such day the Trustee shall have been notified in writing
(by  telecopy)  that the Master  Servicer  shall  have  directly  or  indirectly
deposited in the  Certificate  Account such portion of the amount of the Advance
as to which  the  Master  Servicer  shall  have  given  notice  pursuant  to the
preceding  sentence,  pursuant to Section 7.01,  (a) terminate all of the rights
and  obligations of the Master  Servicer under this Agreement in accordance with
Section 7.01 and (b) assume the rights and  obligations  of the Master  Servicer
hereunder,  including the  obligation to deposit in the  Certificate  Account an
amount equal to the Advance for the immediately succeeding Distribution Date.

        The Trustee shall deposit all funds it receives pursuant to this Section
4.04 into the Certificate Account.

Section 4.05.  Allocation of Realized Losses.
               -----------------------------

        Prior to each Distribution Date, the Master Servicer shall determine the
total  amount  of  Realized  Losses,   if  any,  that  resulted  from  any  Cash
Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation

                                       42
<PAGE>

or REO Disposition that occurred during the related Prepayment Period or, in the
case of a Servicing  Modification  that  constitutes a reduction of the interest
rate on a Mortgage Loan, the amount of the reduction in the interest  portion of
the  Monthly  Payment  due during the  related  Due  Period.  The amount of each
Realized  Loss shall be  evidenced  by an  Officers'  Certificate.  All Realized
Losses, other than Excess Special Hazard Losses,  Extraordinary  Losses,  Excess
Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows:  first,
to the Class B-3 Certificates,  until the Certificate  Principal Balance thereof
has been  reduced  to zero;  second,  to the  Class B-2  Certificates  until the
Certificate  Principal  Balance thereof has been reduced to zero;  third, to the
Class B-1 Certificates until the Certificate  Principal Balance thereof has been
reduced to zero;  fourth,  to the Class M-3  Certificates  until the Certificate
Principal  Balance  thereof has been  reduced to zero;  fifth,  to the Class M-2
Certificates until the Certificate Principal Balance thereof has been reduced to
zero;  sixth,  to the Class M-1  Certificates  until the  Certificate  Principal
Balance thereof has been reduced to zero; and, thereafter,  if any such Realized
Losses are on a Discount  Mortgage  Loan,  to the Class A-P  Certificates  in an
amount equal to the Discount Fraction of the principal portion thereof,  and the
remainder of such Realized Losses on the Discount  Mortgage Loans and the entire
amount of such Realized Losses on Non-Discount  Mortgage Loans will be allocated
among all Senior  Certificates  (other than the Class A-P Certificates) on a pro
rata basis, and, with respect to the Class A-7 Certificates,  to the Segments of
such Class, on a pro rata basis, as described  below.  The principal  portion of
any Excess Special Hazard Losses,  Excess Bankruptcy Losses, Excess Fraud Losses
and  Extraordinary  Losses on Discount  Mortgage  Loans will be allocated to the
Class A-P  Certificates in an amount equal to the Discount  Fraction thereof and
the  remainder  of the  principal  portion of such  Realized  Losses on Discount
Mortgage  Loans and the entire  amount of such Realized  Losses on  Non-Discount
Mortgage Loans will be allocated among the Senior  Certificates  (other than the
Class A-P  Certificates) and Subordinate  Certificates,  and, in the case of the
Class A-7  Certificates,  to the Segments of such Class, on a pro rata basis, as
described  below.  The interest  portion of any Excess  Special  Hazard  Losses,
Excess Bankruptcy Losses,  Excess Fraud Losses and Extraordinary  Losses will be
allocated to all the Certificates on a pro rata basis.

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

                                       43
<PAGE>

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

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

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

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

                                       44
<PAGE>

                                   ARTICLE V

                                THE CERTIFICATES

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

        Section 5.02. Registration of Transfer and Exchange of Certificates.

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

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

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

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

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

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

                                       45
<PAGE>

                                   ARTICLE VI
                       THE COMPANY AND THE MASTER SERVICER

                     (SEE ARTICLE VI OF THE STANDARD TERMS)

                                       46
<PAGE>

                                   ARTICLE VI
                                     DEFAULT

                     (SEE ARTICLE VII OF THE STANDARD TERMS)

                                       47
<PAGE>

                                  ARTICLE VIII
                             CONCERNING THE TRUSTEE

                    (SEE ARTICLE VIII OF THE STANDARD TERMS)

                                       48
<PAGE>

                                   ARTICLE IX

                                   TERMINATION

                     (SEE ARTICLE IX OF THE STANDARD TERMS)

                                       49
<PAGE>

ARTICLE X

                                REMIC PROVISIONS

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

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

Section 10.03..Designation of REMICs.

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

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

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

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

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

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

               (ii) In  accordance  with  the  priority  set  forth  in  Section
        10.04(b),  an  amount  equal to the sum of the  amounts  in  respect  of
        principal  distributable  on each Class of Certificates  (other than the
        Class R-I  Certificates)  under Section  4.02(a),  as allocated  thereto
        pursuant to Section 4.02(b).

                                       50
<PAGE>

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

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

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

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

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

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

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

               (v) Realized Losses  allocated to the Class A-6  Certificates and
        Class A-7  Certificates  under Section 4.05 shall be deemed allocated to
        Uncertificated REMIC I Regular Interest W;

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

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

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

                                       51
<PAGE>

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

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

Section 10.05. Compliance with Withholding Requirements.

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

                                       52
<PAGE>

                                   ARTICLE XI

                            MISCELLANEOUS PROVISIONS

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

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

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

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

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

--------------------------------------------------------------------------------
            RECIPIENT                             ADDRESS
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Company                8400 Normandale Lake Boulevard
                       Suite 250, Minneapolis, Minnesota  55437,
                            Attention: President
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Master Servicer        2255 N. Ontario Street, Suite 400
                       Burbank, California 91504-2130,
                       Attention:  Managing Director/Master Servicing
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Trustee                Corporate Trust Office
                       1761 East St. Andrew Place
                       Santa Ana, California 92705-4934,
                    Attention:  Residential Accredit Loans, Inc. Series 2003-QS2

                       The Trustee designates its offices located at
                       c/o DTC Transfer  Services,  55 Water Street,
                       Jeanette Street Park Entrance,  New York, New
                       York 10041,  for the purposes of Section 8.12
                       of the Standard Terms
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Standard & Poor's      55 Water Street
                       41st Floor
                       New York, New York 10041
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Fitch                  One State Street Plaza
                       New York, New York 10004

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

Any notice  required or permitted to be mailed to a  Certificateholder  shall be
given by first class  mail,  postage  prepaid,  at the address of such holder as

                                       53
<PAGE>

shown  in the  Certificate  Register.  Any  notice  so  mailed  within  the time
prescribed in this Agreement  shall be  conclusively  presumed to have been duly
given, whether or not the Certificateholder receives such notice.

Section 11.06.  Required Notices to Rating Agency and Subservicer.  (See Section
     11.06 of the Standard Terms)

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

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

Section 11.09. Allocation of Voting Rights.

               97.0%  of all of the  Voting  Rights  shall  be  allocated  among
Holders of Certificates,  other than the Interest Only  Certificates and Class R
Certificates, in proportion to the outstanding Certificate Principal Balances of
their  respective  Certificates;  1.0% of all Voting  Rights  shall be allocated
among the  Holders  of the Class A-5  Certificates,  in  accordance  with  their
respective  Percentage  Interests;  1.0% of all Voting Rights shall be allocated
among the  Holders  of the Class A-V  Certificates,  in  accordance  with  their
respective  Percentage  Interests;  0.5% of all Voting Rights shall be allocated
among the  Holders  of the Class R-I  Certificates,  in  accordance  with  their
respective  Percentage  Interests;  and  0.5%  of all  Voting  Rights  shall  be
allocated among the Holders of the Class R-II  Certificates,  in accordance with
their respective Percentage Interests.

Section 11.10. No Petition.

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

                                       54
<PAGE>

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

                                       RESIDENTIAL ACCREDIT LOANS, INC.
[Seal]

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

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

                                       RESIDENTIAL FUNDING CORPORATION
[Seal]

                                            By:  /s/ Lisa Lundsten
                                               ---------------------------------
                                                 Name:  Lisa Lundsten
                                                 Title: Director

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

                                       DEUTSCHE BANK TRUST COMPANY AMERICAS,
                                        as Trustee
[Seal]

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

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

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

                                       55
<PAGE>

STATE OF MINNESOTA
                                  )
                                  ) ss.:
COUNTY OF HENNEPIN                )
               On the 27th day of February,  2003 before me, a notary  public in
and for said State,  personally appeared Joseph Orning, known to me to be a Vice
President of Residential  Accredit  Loans,  Inc., one of the  corporations  that
executed  the  within  instrument,  and also  known to me to be the  person  who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

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

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

                                       56
<PAGE>

STATE OF MINNESOTA
                                  )
                                  ) ss.:
COUNTY OF HENNEPIN                )
               On the 27th day of February,  2003 before me, a notary  public in
and for said  State,  personally  appeared  Lisa  Lundsten,  known to me to be a
Director  of  Residential  Funding  Corporation,  one of the  corporations  that
executed  the  within  instrument,  and also  known to me to be the  person  who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

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

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

                                       57
<PAGE>

STATE OF CALIFORNIA
                                  )
                                  ) ss.:
COUNTY OF ORANGE                  )
               On the 27th day of February,  2003 before me, a notary  public in
and for said State,  personally  appeared  Ronaldo  Reyes,  known to me to be an
Associate  of  Deutsche  Bank  Trust  Company  Americas,  the New  York  banking
corporation that executed the within instrument,  and also known to me to be the
person who executed it on behalf of said banking corporation and acknowledged to
me that such banking corporation executed the within instrument.

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

                                            /s/ Brent Wayne Hoyler
                                            Notary Public
 [Notarial Seal]

                                       58
<PAGE>

STATE OF CALIFORNIA               )
                                  ) ss.:
COUNTY OF ORANGE                  )
               On the 27th day of February,  2003 before me, a notary  public in
and for said State,  personally appeared James F. Noriega,  known to me to be an
Associate  of  Deutsche  Bank  Trust  Company  Americas,  the New  York  banking
corporation that executed the within instrument,  and also known to me to be the
person who executed it on behalf of said banking corporation and acknowledged to
me that such banking corporation executed the within instrument.

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

                                            /s/ Brent Wayne Hoyler
                                            Notary Public
 [Notarial Seal]

                                       59
<PAGE>

                                   EXHIBIT ONE

                             MORTGAGE LOAN SCHEDULE

  RUN ON     : 02/21/03           RFC DISCLOSURE SYSTEM       RFFSDFIX-01
  AT         : 09.19.00           FIXED PASSTHRU REPORT       AMORTIZED BALANCE
  SERIES     : RALI 2003-QS2                                  CUTOFF : 02/01/03
  POOL       : 0004661
             :
             :
  POOL STATUS: F

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

      4929965                              .2500
       43,075.03                          .0800
            8.8750                         .0000
            8.6250                         .0000
            8.5450                         .0000
            6.0000                        2.5450

      7140314                              .2500
      142,653.16                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7624880                              .2500
      203,995.41                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      7795525                              .2500
      241,669.97                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.0000                        1.0450

      7846893                              .2500
       66,665.43                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      7943375                              .2500
      176,537.42                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450
1

      8018051                              .2500
       55,196.10                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      8018095                              .2500
       58,337.36                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      8030235                              .2500
      122,313.64                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8035029                              .2500
      190,894.62                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8040197                              .2500
      133,692.53                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8050737                              .2500
       69,089.41                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8053499                              .2500
      183,345.26                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8055807                              .2500
       50,839.41                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      8057905                              .2500
      118,337.57                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8065255                              .2500
       89,181.51                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8066145                              .2500
      160,683.66                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8076693                              .2500
       35,177.38                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8081673                              .2500
       60,902.04                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8081691                              .2500
       69,989.64                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8087975                              .2500
       43,094.97                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8089189                              .2500
      167,305.42                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000
1

      8095339                              .2500
      347,509.01                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8097151                              .2500
      191,349.06                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8119749                              .2500
       36,883.48                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200

      8120737                              .2500
      478,127.99                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8129295                              .2500
      260,025.32                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8134251                              .2500
       74,127.31                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      8138967                              .2500
       79,820.78                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8139303                              .2500
      224,969.06                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      8140641                              .2500
      288,173.07                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8142913                              .2500
       42,272.94                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8161353                              .2500
      168,660.77                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8162263                              .2500
      397,912.03                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8162617                              .2500
      251,921.99                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8170965                              .3020
      359,064.88                          .0800
            6.7500                         .0000
            6.4480                         .0000
            6.3680                         .0000
            6.0000                         .3680

      8172699                              .2500
      330,758.15                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8182295                              .2500
      124,667.31                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950
1

      8184617                              .2500
       96,583.13                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8184707                              .2500
      287,602.30                          .0800
            7.8750                         .0000
            7.6250                         .0000
            7.5450                         .0000
            6.0000                        1.5450

      8186997                              .2500
      143,535.25                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8195271                              .2500
      252,898.57                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8201151                              .2500
      119,360.37                          .0800
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1

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1

      8366371                              .2500
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      8366571                              .2500
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      8366575                              .2500
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1

      8366589                              .2500
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      8366671                              .2500
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      8367079                              .2500
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      8367095                              .2500
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1

      8367107                              .2500
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      8367185                              .2500
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      8367195                              .2500
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      8367257                              .2500
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      8367291                              .2500
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      8367581                              .2500
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      8367585                              .2500
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      8367691                              .2500
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1

      8367785                              .2500
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      8367855                              .2500
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      8368139                              .2500
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      8368147                              .2500
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      8368153                              .2500
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      8368155                              .2500
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      8368201                              .2500
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      8368523                              .2500
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1

      8368525                              .2500
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      8368543                              .2500
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      8368549                              .2500
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      8368555                              .2500
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      8368561                              .2500
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      8368573                              .2500
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      8368575                              .2500
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      8368587                              .2500
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      8368593                              .2500
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      8368597                              .2500
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      8368603                              .2500
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      8368607                              .2500
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      8368609                              .2500
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      8368623                              .2500
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      8368669                              .2500
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      8368683                              .2500
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      8368685                              .2500
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      8368699                              .2500
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      8368731                              .2500
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      8368781                              .2500
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      8368819                              .2500
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      8369059                              .2500
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      8369099                              .2500
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      8369431                              .2500
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      8369629                              .2500
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      8369631                              .2500
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      8369717                              .2500
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      8369827                              .2500
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      8369841                              .2500
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      8369857                              .2500
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      8369957                              .2500
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      8369969                              .2500
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      8369975                              .2500
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      8370801                              .2500
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      8371945                              .2500
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      8371957                              .2500
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      8371959                              .2500
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      8371961                              .2500
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      8371963                              .2500
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      8371987                              .2500
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      8371989                              .2500
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      8371997                              .2500
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      8371999                              .2500
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      8372005                              .2500
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      8372007                              .2500
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1

      8372015                              .2500
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      8372017                              .2500
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      8372059                              .2500
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      8372063                              .2500
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      8372065                              .2500
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      8372069                              .2500
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      8372073                              .2500
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1

      8372075                              .2500
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      8372079                              .2500
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      8372085                              .2500
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      8372091                              .2500
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      8372093                              .2500
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      8372103                              .2500
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      8372105                              .2500
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      8372119                              .2500
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      8372123                              .2500
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      8372127                              .2500
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      8372129                              .2500
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      8372133                              .2500
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      8372137                              .2500
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      8372157                              .2500
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      8372161                              .2500
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      8372163                              .2500
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            6.0000                        1.2950

      8406259                              .2500
      116,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8406415                              .2500
      151,850.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8406431                              .2500
      112,500.00                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      8406435                              .2500
       57,600.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8406455                              .2500
      220,500.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950
1

      8406759                              .2500
       54,000.00                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      8407159                              .2500
       61,700.00                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      8407873                              .2500
      139,000.00                          .0300
            6.0000                         .0000
            5.7500                         .0000
            5.7200                         .0000
            5.7200                         .0000

      8407981                              .2500
      362,700.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8408017                              .2500
      184,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8408055                              .2500
       97,500.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8408059                              .2500
      162,000.00                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8408339                              .2500
      233,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950
1

      8408415                              .2500
      450,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8408451                              .2500
       63,750.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8408497                              .2500
      216,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8408551                              .2500
      148,500.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8408577                              .2500
      233,600.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8408579                              .2500
      171,000.00                          .0300
            6.0000                         .0000
            5.7500                         .0000
            5.7200                         .0000
            5.7200                         .0000

      8408583                              .2500
      262,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8408589                              .2500
      247,000.00                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.0000                         .9200
1

      8408619                              .2500
      148,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8408637                              .2500
      192,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8408639                              .2500
      132,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8408675                              .2500
       72,000.00                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      8408677                              .2500
       72,000.00                          .0800
            7.7500                         .0000
            7.5000                         .0000
            7.4200                         .0000
            6.0000                        1.4200

      8408681                              .2500
      110,700.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8408683                              .2500
      100,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8408701                              .2500
      115,200.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000
1

      8408707                              .2500
      387,000.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8408719                              .2500
       70,000.00                          .0300
            6.0000                         .0000
            5.7500                         .0000
            5.7200                         .0000
            5.7200                         .0000

      8408753                              .2500
       76,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8408781                              .2500
      426,500.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8408783                              .2500
      112,500.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8408933                              .2500
      420,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8409229                              .2500
      624,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8409597                              .2500
      204,581.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200
1

      8409733                              .2500
      190,000.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8409737                              .2500
      432,000.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8409741                              .2500
      307,000.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8410093                              .2500
      106,200.00                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8410203                              .2500
       70,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8410267                              .2500
      119,250.00                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8410429                              .2500
      344,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8410469                              .2500
      399,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000
1

      8410793                              .2500
      247,900.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8410799                              .2500
      151,200.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8410987                              .2500
      420,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8410991                              .2500
       49,400.00                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      8411967                              .2500
      355,700.00                          .0800
            7.6250                         .0000
            7.3750                         .0000
            7.2950                         .0000
            6.0000                        1.2950

      8412307                              .2500
      336,000.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8412371                              .2500
      376,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8413065                              .2500
      122,550.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000
1

      8413123                              .2500
       79,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8413187                              .2500
       78,992.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8413199                              .2500
      188,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8413203                              .2500
      400,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950

      8413223                              .2500
      126,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8413245                              .2500
      300,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8413261                              .2500
      105,100.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8413293                              .2500
      218,100.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.0000                         .2950
1

      8413295                              .2500
      162,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8413313                              .2500
      131,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8413321                              .2500
      484,000.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8413331                              .2500
      592,000.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8413425                              .2500
      140,900.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.0000                         .6700

      8413455                              .2500
      200,000.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8413465                              .2500
      116,400.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8414171                              .2500
      217,800.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450
1

      8414277                              .2500
      448,000.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8414291                              .2500
      495,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8414461                              .2500
      204,250.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8414557                              .2500
      261,600.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

      8414697                              .2500
      121,600.00                          .0300
            6.0000                         .0000
            5.7500                         .0000
            5.7200                         .0000
            5.7200                         .0000

      8415327                              .2500
       85,000.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8415345                              .2500
      179,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8415347                              .2500
      164,500.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450
1

      8415365                              .2500
      189,600.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8415373                              .2500
      110,400.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8415417                              .2500
      382,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8415437                              .2500
      139,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8415445                              .2500
      200,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8415467                              .2500
       67,500.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8415489                              .2500
      108,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8415523                              .2500
      240,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450
1

      8415533                              .2500
      225,000.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8415561                              .2500
       70,200.00                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.0000                         .4200

      8415579                              .2500
      106,400.00                          .0300
            5.8750                         .0000
            5.6250                         .0000
            5.5950                         .0000
            5.5950                         .0000

      8416351                              .2500
      106,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8418025                              .2500
       89,300.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8419133                              .2500
       50,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.0000                         .5450

      8419309                              .2500
      184,800.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8421513                              .2500
      331,000.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000
1

      8423017                              .2500
      264,400.00                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8423455                              .2500
      106,200.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8423495                              .2500
       54,000.00                          .0800
            7.5000                         .0000
            7.2500                         .0000
            7.1700                         .0000
            6.0000                        1.1700

      8423673                              .2500
      219,850.00                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.0000                         .7950

      8425749                              .2500
      217,000.00                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      8425851                              .2500
      245,000.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8426331                              .2500
      191,200.00                          .0800
            6.5000                         .0000
            6.2500                         .0000
            6.1700                         .0000
            6.0000                         .1700

      8432605                              .2500
      118,800.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450
1

      8432775                              .2500
      138,000.00                          .0300
            6.1250                         .0000
            5.8750                         .0000
            5.8450                         .0000
            5.8450                         .0000

      8432973                              .2500
      284,000.00                          .0800
            6.3750                         .0000
            6.1250                         .0000
            6.0450                         .0000
            6.0000                         .0450

  TOTAL NUMBER OF LOANS:     2216
  TOTAL BALANCE........:        422,408,254.70

  RUN ON     : 02/21/03            RFC DISCLOSURE SYSTEM      RFFSDFIX-01
  AT         : 09.19.00            INITIAL SECURITY FEES      AMORTIZED BALANCE
  SERIES     : RALI 2003-QS2        FIXED SUMMARY REPORT      CUTOFF : 02/01/03
  POOL       : 0004661
             :
             :
  POOL STATUS: F

                                   WEIGHTED AVERAGES      FROM         TO
  ---------------------------------------------------------------------------
  CURR NOTE RATE                        6.5524            5.7500      8.8750
  RFC NET RATE                          6.3021            5.5000      8.6250
  NET MTG RATE(INVSTR RATE)             6.2355            5.4700      8.5450
  POST STRIP RATE                       5.9699            5.4700      6.0000
  SUB SERV FEE                           .2503             .2500       .5000
  MSTR SERV FEE                          .0666             .0300        .0800
  ALL EXP                                .0000             .0000       .0000
  MISC EXP                               .0000             .0000       .0000
  SPREAD                                 .0000             .0000       .0000
  STRIP                                  .2656             .0000      2.5450

  TOTAL NUMBER OF LOANS:  2216
  TOTAL BALANCE........:     422,408,254.70

                             ***************************
                             *      END OF REPORT      *
                             ***************************
  RUN ON     : 02/21/03           RFC DISCLOSURE SYSTEM       RFFSD177-01
  AT         : 09.19.00          FIXED RATE LOAN LISTING      AMORTIZED BALANCE
  SERIES     : RALI 2003-QS2                                  CUTOFF : 02/01/03
  POOL       : 0004661
             :
             :
  POOL STATUS: F

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

    4929965          U59/G02             F           43,600.00         T
                                         360         43,075.03          1
                                       8.875            346.91         80
                                       8.625            346.91
    AURORA           IL   60504          1            06/18/01         00
    0432917813                           01           07/18/01          0
    800854827                            O            06/18/31
    0

    7140314          806/G02             F          144,300.00         ZZ
                                         360        142,653.16          1
                                       7.250            984.39         80
                                       7.000            984.39
    LAS VEGAS        NV   89148          1            11/23/01         00
    0433799368                           03           01/01/02          0
    1140007746                           O            12/01/31
    0

    7624880          E22/G02             F          206,500.00         ZZ
                                         360        203,995.41          3
                                       7.250          1,408.69         70
                                       7.000          1,408.69
    DORCHESTER       MA   02122          2            01/29/02         00
    0413431842                           05           03/01/02          0
    0413431842                           N            02/01/32
    0

    7795525          E22/G02             F          244,000.00         ZZ
                                         360        241,669.97          3
                                       7.375          1,685.25         80
                                       7.125          1,685.25
    JERSEY CITY      NJ   07308          1            06/20/02         00
    0414312421                           05           08/01/02          0
1

    0414312421                           N            07/01/32
    0

    7846893          642/G02             F           67,150.00         ZZ
                                         360         66,665.43          1
                                       7.500            469.52         85
                                       7.250            469.52
    HALIFAX          VA   24558          5            07/03/02         10
    0434258562                           05           09/01/02         12
    05195302                             O            08/01/32
    0

    7943375          588/G02             F          177,600.00         ZZ
                                         360        176,537.42          1
                                       6.875          1,166.71         80
                                       6.625          1,166.71
    ALEXANDRIA       VA   22306          1            07/01/02         00
    0434414496                           09           08/01/02          0
    1069142                              O            07/01/32
    0

    8018051          E22/G02             F           55,350.00         ZZ
                                         360         55,196.10          1
                                       7.875            401.33         90
                                       7.625            401.33
    ATHENS           TX   75751          1            09/06/02         04
    0414785360                           05           11/01/02         25
    0414785360                           N            10/01/32
    0

    8018095          E22/G02             F           58,500.00         ZZ
                                         360         58,337.36          1
                                       7.875            424.17         90
                                       7.625            424.17
    ATHENS           TX   75751          1            09/09/02         10
    0414816975                           05           11/01/02         25
    0414816975                           N            10/01/32
    0

    8030235          E82/G02             F          122,700.00         T
                                         360        122,313.64          1
                                       7.250            837.03         88
                                       7.000            837.03
    LIBERTY          ME   04949          2            09/12/02         04
    0400677803                           05           11/01/02         25
    2950740                              O            10/01/32
    0

1

    8035029          S25/G02             F          191,900.00         ZZ
                                         360        190,894.62          1
                                       6.750          1,244.66         95
                                       6.500          1,244.66
    RALEIGH          NC   27616          5            07/26/02         26
    0434636536                           05           09/01/02         25
    240908934                            O            08/01/32
    0

    8040197          G75/G75             F          134,300.00         ZZ
                                         360        133,692.53          1
                                       7.500            939.05         80
                                       7.250            939.05
    BRANDYWINE       MD   20613          1            07/31/02         00
    04705882                             05           09/01/02          0
    04705882                             O            08/01/32
    0

    8050737          N74/G02             F           69,350.00         ZZ
                                         360         69,089.41          1
                                       7.500            484.91         95
                                       7.250            484.91
    MCBEE            SC   29101          5            09/13/02         10
    0434616025                           05           10/18/02         30
    0030716010                           O            09/18/32
    0

    8053499          E22/G02             F          184,000.00         ZZ
                                         360        183,345.26          1
                                       6.625          1,178.17         80
                                       6.375          1,178.17
    SPARTANBURG      SC   29301          5            09/16/02         00
    0414727677                           05           11/01/02          0
    0414727677                           O            10/01/32
    0

    8055807          G34/G02             F           51,000.00         ZZ
                                         360         50,839.41          1
                                       7.250            347.91         63
                                       7.000            347.91
    BEDFORD          TX   76022          5            09/12/02         00
    0435244470                           05           11/01/02          0
    85206346                             O            10/01/32
    0

    8057905          U05/G02             F          118,750.00         ZZ
                                         360        118,337.57          1
                                       6.750            770.21         95
                                       6.500            770.21
1

    HOUSTON          TX   77034          1            09/09/02         10
    0434650255                           03           11/01/02         35
    3258858                              O            10/01/32
    0

    8065255          E82/G02             F           89,500.00         ZZ
                                         360         89,181.51          1
                                       6.625            573.08         64
                                       6.375            573.08
    VANCOUVER        WA   98682          2            09/26/02         00
    0400641593                           05           11/01/02          0
    1930558                              N            10/01/32
    0

    8066145          W93/G02             F          163,000.00         ZZ
                                         360        160,683.66          1
                                       6.625          1,043.71         68
                                       6.375          1,043.71
    OAKHURST         CA   93644          5            09/13/02         00
    0434712899                           05           11/01/02          0
    45376716                             O            10/01/32
    0

    8076693          U05/G02             F           35,300.00         E
                                         360         35,177.38          1
                                       6.750            228.96         58
                                       6.500            228.96
    GLENDALE         OR   97442          1            09/09/02         00
    0435184338                           05           11/01/02          0
    3245696                              N            10/01/32
    0

    8081673          225/G02             F           61,200.00         ZZ
                                         360         60,902.04          1
                                       7.500            427.92         90
                                       7.250            427.92
    SAUK VILLAGE     IL   60411          1            08/15/02         10
    0434655593                           05           10/01/02         25
    007388839                            N            09/01/32
    0

    8081691          225/G02             F           70,200.00         ZZ
                                         360         69,989.64          1
                                       7.500            490.85         90
                                       7.250            490.85
    DOLTON           IL   60419          1            09/04/02         14
    0434653341                           05           11/01/02         25
    007392260                            N            10/01/32
    0
1

    8087975          M43/G02             F           43,650.00         ZZ
                                         360         43,094.97          1
                                       7.500            305.21         90
                                       7.250            305.21
    FREDERICKSBURG   VA   22405          1            09/26/02         11
    0434700480                           09           11/01/02         25
    76381925                             N            10/01/32
    0

    8089189          E22/G02             F          168,000.00         ZZ
                                         360        167,305.42          1
                                       6.250          1,034.40         42
                                       6.000          1,034.40
    RESTON           VA   20191          2            10/01/02         00
    0414842443                           03           11/01/02          0
    0414842443                           O            10/01/32
    0

    8095339          M27/G02             F          348,750.00         T
                                         360        347,509.01          1
                                       6.625          2,233.08         75
                                       6.375          2,233.08
    HEATHSVILLE      VA   22473          5            09/23/02         00
    0435286026                           05           11/01/02          0
    600816341                            O            10/01/32
    0

    8097151          E22/G02             F          192,000.00         ZZ
                                         360        191,349.06          1
                                       7.000          1,277.38         77
                                       6.750          1,277.38
    WAPPINGERS FALL  NY   12590          1            10/09/02         00
    0415072883                           05           12/01/02          0
    0415072883                           N            11/01/32
    0

    8119749          U05/G02             F           37,000.00         ZZ
                                         360         36,883.48          2
                                       7.250            252.41         63
                                       7.000            252.41
    BIRMINGHAM       AL   35212          5            09/20/02         00
    0435231519                           05           11/01/02          0
    3242250                              N            10/01/32
    0

    8120737          E22/G02             F          479,500.00         ZZ
                                         360        478,127.99          1
1

                                       6.250          2,952.36         75
                                       6.000          2,952.36
    SEATTLE          WA   98116          5            10/07/02         00
    0414920389                           05           12/01/02          0
    0414920389                           O            11/01/32
    0

    8129295          X80/G02             F          261,000.00         ZZ
                                         360        260,025.32          4
                                       6.375          1,628.30         90
                                       6.125          1,628.30
    SACRAMENTO       CA   95821          1            09/10/02         19
    0435321286                           05           11/01/02         25
    1410051211                           N            10/01/32
    0

    8134251          601/G02             F           74,400.00         ZZ
                                         360         74,127.31          1
                                       7.625            526.60         80
                                       7.375            526.60
    ST LOUIS         MO   63121          1            08/30/02         00
    0434803292                           05           10/01/02          0
    61812004                             N            09/01/32
    0

    8138967          U05/G02             F           80,000.00         ZZ
                                         360         79,820.78          1
                                       7.500            559.37         80
                                       7.250            559.37
    FORT WORTH       TX   76048          5            10/11/02         00
    0435231774                           05           12/01/02          0
    3267438                              O            11/01/32
    0

    8139303          U05/G02             F          225,500.00         ZZ
                                         360        224,969.06          1
                                       7.250          1,538.31         87
                                       7.000          1,538.31
    HEMET            CA   92544          2            10/07/02         10
    0434808846                           05           12/01/02         25
    3254291                              O            11/01/32
    0

    8140641          G34/G02             F          289,000.00         ZZ
                                         360        288,173.07          1
                                       6.250          1,779.42         75
                                       6.000          1,779.42
    LAS VEGAS        NV   89145          1            10/14/02         00
    0434809430                           05           12/01/02          0
1

    39012235                             O            11/01/32
    0

    8142913          601/G02             F           42,400.00         ZZ
                                         360         42,272.94          1
                                       7.500            296.47         80
                                       7.250            296.47
    MERIDEN          CT   06450          1            09/30/02         00
    0434799128                           01           11/01/02          0
    61982740                             O            10/01/32
    0

    8161353          E22/G02             F          169,100.00         ZZ
                                         360        168,660.77          2
                                       6.750          1,096.78         95
                                       6.500          1,096.78
    LAWRENCE         MA   01841          1            10/30/02         04
    0414911495                           05           12/01/02         30
    0414911495                           O            11/01/32
    0

    8162263          U05/G02             F          399,000.00         ZZ
                                         360        397,912.03          1
                                       6.500          2,521.95         70
                                       6.250          2,521.95
    LAKE OSWEGO      OR   97034          5            10/18/02         00
    0435244702                           05           12/01/02          0
    3261673                              O            11/01/32
    0

    8162617          738/G02             F          252,800.00         T
                                         360        251,921.99          1
                                       6.750          1,639.66         60
                                       6.500          1,639.66
    ECLECTIC         AL   36024          5            10/02/02         00
    0434828307                           05           11/01/02          0
    40530835                             O            10/01/32
    0

    8170965          196/G02             F          360,000.00         ZZ
                                         360        359,064.88          1
                                       6.750          2,334.96         80
                                       6.448          2,334.96
    SHIRLEY          NY   11967          5            10/11/02         00
    0434950093                           05           12/01/02          0
    1562881                              O            11/01/32
    0

1

    8172699          588/G02             F          332,000.00         ZZ
                                         360        330,758.15          1
                                       6.375          2,071.25         80
                                       6.125          2,071.25
    WILMINGTON       DE   19707          5            09/20/02         00
    0435122452                           03           11/01/02          0
    00010745080                          O            10/01/32
    0

    8182295          G34/G02             F          125,000.00         ZZ
                                         360        124,667.31          1
                                       6.625            800.39         80
                                       6.375            800.39
    BURTON           TX   77835          5            10/25/02         00
    0435189659                           05           12/01/02          0
    85207597                             O            11/01/32
    0

    8184617          G34/G02             F           96,800.00         ZZ
                                         360         96,583.13          1
                                       7.500            676.84         80
                                       7.250            676.84
    DENTON           TX   76209          2            10/29/02         00
    0435165899                           05           12/01/02          0
    85208254                             N            11/01/32
    0

    8184707          E22/G02             F          288,000.00         ZZ
                                         360        287,602.30          3
                                       7.875          2,088.20         90
                                       7.625          2,088.20
    BRONX            NY   10466          1            11/07/02         01
    0415202746                           05           01/01/03         25
    0415202746                           N            12/01/32
    0

    8186997          286/286             F          144,000.00         ZZ
                                         360        143,535.25          2
                                       7.125            970.16         54
                                       6.875            970.16
    NEW BRUNSWICK    NJ   08901          2            09/19/02         00
    1514898                              05           11/01/02          0
    1514898                              N            10/01/32
    0

    8195271          G34/G02             F          253,607.00         ZZ
                                         360        252,898.57          1
                                       6.375          1,582.18         80
                                       6.125          1,582.18
1

    DALLAS           TX   75218          5            10/29/02         00
    0435285358                           03           12/01/02          0
    8508696                              O            11/01/32
    0

    8201151          E84/G02             F          120,000.00         ZZ
                                         360        119,360.37          1
                                       6.500            758.48         65
                                       6.250            758.48
    SEATTLE          WA   98108          5            09/27/02         00
    0434876868                           05           11/01/02          0
    61502364                             N            10/01/32
    0

    8203291          T44/G02             F          136,000.00         ZZ
                                         360        135,620.11          1
                                       6.375            848.46         70
                                       6.125            848.46
    COLFAX           CA   95713          5            10/30/02         00
    0435216338                           05           12/01/02          0
    1056547                              O            11/01/32
    0

    8203691          L16/G02             F           38,900.00         ZZ
                                         360         38,832.83          1
                                       6.750            252.30         47
                                       6.500            252.30
    BAKERSFIELD      CA   93309          1            11/08/02         00
    0434898169                           05           01/01/03          0
    7622                                 N            12/01/32
    0

    8204017          758/G02             F           89,000.00         ZZ
                                         360         88,746.29          4
                                       7.750            637.61         90
                                       7.500            637.61
    BRYAN            TX   77807          1            09/05/02         14
    0435309737                           05           11/01/02         25
    1                                    N            10/01/32
    0

    8205425          E47/G02             F          376,000.00         ZZ
                                         360        375,069.98          1
                                       7.000          2,501.54         81
                                       6.750          2,501.54
    SAN FRANCISO     CA   94112          5            10/22/02         11
    0434958021                           05           12/01/02         12
    7359512122                           O            11/01/32
    0
1

    8206685          X64/G02             F          102,000.00         ZZ
                                         360        101,810.55          1
                                       6.375            636.35         77
                                       6.125            636.35
    LAKE ORION       MI   48357          5            11/08/02         00
    0435097530                           05           01/01/03          0
    935274                               O            12/01/32
    0

    8209441          L03/G02             F          106,650.00         ZZ
                                         360        106,498.98          4
                                       7.750            764.05         90
                                       7.500            764.05
    PHOENIX          AZ   85040          1            11/11/02         02
    0435289376                           05           01/01/03         25
    40008180                             N            12/01/32
    0

    8209731          N47/G02             F          130,000.00         ZZ
                                         360        129,557.49          1
                                       6.375            811.03         34
                                       6.125            811.03
    EL CAJON         CA   92019          2            11/04/02         00
    0434976015                           05           01/01/03          0
    30500182                             N            12/01/32
    0

    8210345          X60/G02             F          120,000.00         ZZ
                                         360        119,797.80          1
                                       6.875            788.31         80
                                       6.625            788.31
    SEATTLE          WA   98126          1            11/13/02         00
    0435308135                           05           01/01/03          0
    952617                               N            12/01/32
    0

    8210427          L16/G02             F           38,900.00         ZZ
                                         360         38,832.83          1
                                       6.750            252.30         47
                                       6.500            252.30
    BAKERSFIELD      CA   93309          1            11/08/02         00
    0434948139                           05           01/01/03          0
    7637                                 N            12/01/32
    0

    8210895          U05/G02             F          184,000.00         ZZ
                                         360        183,666.42          1
1

                                       6.500          1,163.01         80
                                       6.250          1,163.01
    SANDY            OR   97055          2            11/05/02         00
    0435115233                           05           01/01/03          0
    3276629                              O            12/01/32
    0

    8213899          950/G02             F          220,000.00         ZZ
                                         360        219,400.12          1
                                       6.500          1,390.55         80
                                       6.250          1,390.55
    TACOMA           WA   98407          5            10/08/02         00
    0435115506                           05           12/01/02          0
    E1209107                             O            11/01/32
    0

    8216497          U05/G02             F          148,800.00         ZZ
                                         360        148,543.06          2
                                       6.750            965.11         80
                                       6.500            965.11
    AUSTIN           TX   78704          1            11/04/02         00
    0435293311                           05           01/01/03          0
    3275699                              N            12/01/32
    0

    8219257          X67/G02             F          575,000.00         ZZ
                                         360        573,932.05          2
                                       6.375          3,587.25         77
                                       6.125          3,587.25
    LONG BEACH       CA   90803          5            11/01/02         00
    0435322706                           05           01/01/03          0
    00270618                             O            12/01/32
    0

    8219315          F96/G02             F          800,000.00         ZZ
                                         360        797,972.13          1
                                       6.875          5,255.43         54
                                       6.625          5,255.43
    BRIDGE HAMPTON   NY   11932          5            10/26/02         00
    0434932802                           05           12/01/02          0
    0110078                              O            11/01/32
    0

    8219347          F96/G02             F          190,850.00         ZZ
                                         360        190,400.66          1
                                       7.250          1,301.93         95
                                       7.000          1,301.93
    AMITYVILLE       NY   11701          1            10/25/02         04
    0434932828                           01           12/01/02         30
1

    NY01C04773                           O            11/01/32
    0

    8221451          B76/G02             F          157,600.00         ZZ
                                         360        156,034.41          1
                                       5.875            932.27         65
                                       5.625            932.27
    PLYMOUTH         MI   48170          5            11/01/02         00
    0435005772                           05           12/01/02          0
    0004586608                           O            11/01/32
    0

    8221771          X67/G02             F          255,000.00         ZZ
                                         360        254,526.38          1
                                       6.375          1,590.87         79
                                       6.125          1,590.87
    NORTH HOLLYWOOD  CA   91607          2            11/04/02         00
    0435322763                           05           01/01/03          0
    00270364                             O            12/01/32
    0

    8221785          U05/G02             F           65,200.00         ZZ
                                         360         65,097.97          3
                                       7.250            444.78         90
                                       7.000            444.78
    PITTSBURGH       PA   15210          1            11/12/02         04
    0434976429                           05           01/01/03         25
    3271545                              N            12/01/32
    0

    8222451          N74/G02             F           59,250.00         ZZ
                                         360         59,150.16          1
                                       6.875            389.23         75
                                       6.625            389.23
    SPRINGFIELD      OH   45404          5            11/12/02         00
    0435228069                           05           01/01/03          0
    3300010120                           N            12/01/32
    0

    8222535          M27/G02             F          440,000.00         ZZ
                                         360        438,884.67          2
                                       6.875          2,890.49         80
                                       6.625          2,890.49
    SAVANNAH         GA   31401          2            10/30/02         00
    0435095823                           07           12/01/02          0
    500074005                            O            11/01/32
    0

1

    8223381          940/G02             F          308,750.00         ZZ
                                         360        308,242.37          1
                                       7.000          2,054.12         95
                                       6.750          2,054.12
    APPLE VALLEY     CA   92307          1            11/13/02         10
    0435009410                           05           01/01/03         30
    65020533                             O            12/01/32
    0

    8225611          T44/G02             F          172,800.00         ZZ
                                         360        172,393.16          2
                                       7.250          1,178.80         90
                                       7.000          1,178.80
    PROVIDENCE       RI   02908          1            10/23/02         01
    0435216049                           05           12/01/02         25
    1054537                              N            11/01/32
    0

    8226895          M29/G02             F          182,862.00         ZZ
                                         360        182,546.23          1
                                       6.750          1,186.04         95
                                       6.500          1,186.04
    HALETHORPE       MD   21227          5            11/15/02         10
    0435006739                           05           01/01/03         30
    021103WSDB                           O            12/01/32
    0

    8227655          E82/G02             F           60,000.00         ZZ
                                         360         59,898.89          1
                                       6.875            394.16         35
                                       6.625            394.16
    BALTIMORE        MD   21230          2            11/21/02         00
    0400724431                           01           01/01/03          0
    1611616                              N            12/01/32
    0

    8228419          X08/G02             F          399,999.00         ZZ
                                         360        398,735.37          1
                                       6.500          2,528.27         77
                                       6.250          2,528.27
    BAILEY           CO   80421          2            10/29/02         00
    0435212824                           05           12/01/02          0
    6010075                              O            11/01/32
    0

    8230041          X60/G02             F          200,000.00         ZZ
                                         360        199,628.54          1
                                       6.375          1,247.74         79
                                       6.125          1,247.74
1

    BELLEVUE         WA   98006          1            11/19/02         00
    0435026695                           05           01/01/03          0
    0643401                              O            12/01/32
    0

    8230979          E22/G02             F          343,250.00         ZZ
                                         360        342,699.39          1
                                       7.125          2,312.54         95
                                       6.875          2,312.54
    FRISCO           TX   75035          1            11/22/02         04
    0415160373                           03           01/01/03         35
    0415160373                           O            12/01/32
    0

    8233951          X67/G02             F          340,000.00         ZZ
                                         360        339,383.61          1
                                       6.500          2,149.03         74
                                       6.250          2,149.03
    CHICAGO          IL   60660          5            11/12/02         00
    0435005921                           05           01/01/03          0
    00270731                             O            12/01/32
    0

    8234817          E82/G02             F           73,250.00         ZZ
                                         360         73,117.20          1
                                       6.500            462.99         55
                                       6.250            462.99
    LITHONIA         GA   30034          2            11/25/02         00
    0400727483                           05           01/01/03          0
    1866001                              N            12/01/32
    0

    8237231          F61/G02             F          650,000.00         ZZ
                                         360        648,820.60          1
                                       6.500          4,108.44         75
                                       6.250          4,108.44
    LAKEWOOD         WA   98498          5            11/14/02         00
    0434989976                           05           01/01/03          0
    022694                               O            12/01/32
    0

    8237921          286/286             F          104,000.00         ZZ
                                         360        103,749.01          4
                                       7.125            700.67         95
                                       6.875            700.67
    WASHINGTON       DC   20002          5            10/04/02         14
    0001256521                           05           12/01/02         30
    0001256521                           O            11/01/32
    0
1

    8237923          286/286             F          124,000.00         ZZ
                                         360        123,469.08          2
                                       7.625            877.66         80
                                       7.375            877.66
    PORTLAND         OR   97233          2            09/27/02         00
    0001117153                           05           11/01/02          0
    0001117153                           N            10/01/32
    0

    8238683          E82/G02             F          112,600.00         ZZ
                                         360        112,274.84          1
                                       6.750            730.32         46
                                       6.500            730.32
    UKIAH            CA   95482          2            11/22/02         00
    0400715066                           05           01/01/03          0
    1940479                              N            12/01/32
    0

    8241537          W02/G02             F          360,000.00         ZZ
                                         360        358,994.36          1
                                       6.375          2,245.94         47
                                       6.125          2,245.94
    AMELIA ISLAND    FL   32034          5            10/25/02         00
    0435126453                           05           12/01/02          0
    1001644433                           O            11/01/32
    0

    8241645          W02/G02             F           87,000.00         ZZ
                                         360         86,768.42          1
                                       6.625            557.08         85
                                       6.375            557.08
    OCALA            FL   34479          5            10/24/02         26
    0435204391                           05           12/01/02         12
    1001681162                           O            11/01/32
    0

    8242053          G51/G02             F          115,000.00         ZZ
                                         360        114,781.19          1
                                       6.250            708.08         55
                                       6.000            708.08
    LAS VEGAS        NV   89129          1            11/19/02         00
    0435116165                           05           01/01/03          0
    22000131                             O            12/01/32
    0

    8242091          N74/G02             F          175,651.00         ZZ
                                         360        175,308.69          1
1

                                       6.125          1,067.27         74
                                       5.875          1,067.27
    DANVILLE         VA   24541          5            11/20/02         00
    0435090675                           05           01/01/03          0
    0031157011                           O            12/01/32
    0

    8242393          N47/G02             F          150,000.00         ZZ
                                         360        149,734.57          1
                                       6.625            960.47         35
                                       6.375            960.47
    SAN JOSE         CA   95111          2            11/11/02         00
    0435047048                           05           01/01/03          0
    20500812                             N            12/01/32
    0

    8243455          X82/G02             F           96,200.00         ZZ
                                         360         96,021.33          1
                                       6.375            600.16         80
                                       6.125            600.16
    ROCKVILLE        MD   20850          1            11/14/02         00
    0435263702                           05           01/01/03          0
    825903                               O            12/01/32
    0

    8244027          962/G02             F           97,600.00         ZZ
                                         360         97,423.06          1
                                       6.500            616.90         70
                                       6.250            616.90
    WEST FARGO       ND   58078          2            11/25/02         00
    0435229737                           05           01/01/03          0
    7559200004                           N            12/01/32
    0

    8244345          W30/G02             F          207,000.00         ZZ
                                         360        206,684.01          2
                                       7.375          1,429.70         90
                                       7.125          1,429.70
    PROVIDENCE       RI   02903          1            11/20/02         12
    0435229562                           05           01/01/03         30
    0647436                              N            12/01/32
    0

    8245161          N47/G02             F          286,000.00         ZZ
                                         360        285,493.95          3
                                       6.625          1,831.29         46
                                       6.375          1,831.29
    SAN JOSE         CA   95128          2            11/11/02         00
    0435118211                           05           01/01/03          0
1

    20500811                             N            12/01/32
    0

    8246683          830/G02             F          119,250.00         ZZ
                                         360        119,023.11          1
                                       6.250            734.24         90
                                       6.000            734.24
    SALT LAKE CITY   UT   84106          1            11/25/02         14
    0435052048                           05           01/01/03         25
    02110101                             O            12/01/32
    0

    8248949          E82/G02             F          289,900.00         ZZ
                                         360        289,644.23          1
                                       6.625          1,856.26         70
                                       6.375          1,856.26
    AUBURN           CA   95602          2            11/25/02         00
    0400716684                           05           02/01/03          0
    3243680                              O            01/01/33
    0

    8249177          H58/G02             F          350,000.00         ZZ
                                         360        349,365.47          1
                                       6.500          2,212.24         77
                                       6.250          2,212.24
    GLENDALE         CA   91214          5            11/14/02         00
    0435273388                           05           01/01/03          0
    0000123368                           O            12/01/32
    0

    8250253          W68/G02             F           77,600.00         ZZ
                                         360         77,336.96          1
                                       6.875            509.78         80
                                       6.625            509.78
    ALLEN            TX   75002          1            10/24/02         00
    0435239462                           05           12/01/02          0
    31454                                N            11/01/32
    0

    8250347          U36/G02             F          385,000.00         ZZ
                                         360        384,284.93          1
                                       6.375          2,401.90         73
                                       6.125          2,401.90
    JESSUP           MD   20794          5            11/13/02         00
    0435118849                           05           01/01/03          0
    831942002                            O            12/01/32
    0

1

    8251119          E82/G02             F          143,900.00         ZZ
                                         360        143,756.75          1
                                       6.000            862.75         80
                                       5.750            862.75
    LAS VEGAS        NV   89108          2            11/27/02         00
    0400742771                           05           02/01/03          0
    5238962                              O            01/01/33
    0

    8253949          E22/G02             F          135,000.00         ZZ
                                         240        134,525.67          1
                                       7.750          1,108.28         58
                                       7.500          1,108.28
    SAYREVILLE BORO  NJ   07747          5            12/03/02         00
    0415482983                           05           01/01/03          0
    0415482983                           N            12/01/22
    0

    8256481          E82/G02             F           60,150.00         ZZ
                                         360         60,099.47          1
                                       6.875            395.14         61
                                       6.625            395.14
    DUNCANVILLE      TX   75137          2            12/02/02         00
    0400715405                           05           02/01/03          0
    1792079                              O            01/01/33
    0

    8256803          E22/G02             F          121,500.00         ZZ
                                         360        121,414.25          2
                                       7.750            870.44         90
                                       7.500            870.44
    PATERSON         NJ   07522          1            12/03/02         10
    0415615194                           05           02/01/03         25
    0415615194                           N            01/01/33
    0

    8257219          H58/G02             F           65,700.00         ZZ
                                         360         65,571.96          1
                                       6.125            399.20         90
                                       5.875            399.20
    MARYSVILLE       CA   95901          5            11/11/02         01
    0435189261                           01           01/01/03         25
    0000119348                           O            12/01/32
    0

    8257593          967/G02             F          117,000.00         ZZ
                                         360        116,787.89          1
                                       6.500            739.52         78
                                       6.250            739.52
1

    TACOMA           WA   98418          2            11/25/02         00
    0435069489                           05           01/01/03          0
    5881032                              N            12/01/32
    0

    8262345          E82/G02             F          127,000.00         ZZ
                                         360        126,898.44          1
                                       7.125            855.62         91
                                       6.875            855.62
    PIKESVILLE       MD   21208          2            12/02/02         04
    0400724076                           05           02/01/03         30
    1899696                              O            01/01/33
    0

    8262359          E82/G02             F          161,100.00         ZZ
                                         360        160,977.41          1
                                       7.375          1,112.68         63
                                       7.125          1,112.68
    SANDY            UT   84092          2            12/05/02         00
    0400736096                           05           02/01/03          0
    3312579                              N            01/01/33
    0

    8262621          E22/G02             F          155,000.00         ZZ
                                         360        154,732.34          1
                                       6.750          1,005.33         39
                                       6.500          1,005.33
    FREMONT          CA   94539          1            11/27/02         00
    0415342773                           05           01/01/03          0
    0415342773                           N            12/01/32
    0

    8262729          E22/G02             F           52,200.00         ZZ
                                         360         52,162.22          1
                                       7.625            369.47         90
                                       7.375            369.47
    NEW ORLEANS      LA   70117          2            12/05/02         04
    0415532035                           05           02/01/03         25
    0415532035                           N            01/01/33
    0

    8264445          U05/G02             F           89,900.00         ZZ
                                         360         89,748.51          1
                                       6.875            590.58         75
                                       6.625            590.58
    VANCOUVER        WA   98682          5            11/20/02         00
    0435096557                           05           01/01/03          0
    3285578                              O            12/01/32
    0
1

    8265385          M07/G02             F          600,000.00         ZZ
                                         360        598,938.34          1
                                       6.625          3,841.87         80
                                       6.375          3,841.87
    REDLANDS         CA   92374          5            11/25/02         00
    0435253810                           05           01/01/03          0
    02211113                             O            12/01/32
    0

    8265791          E47/G02             F          185,000.00         ZZ
                                         360        184,688.27          1
                                       6.875          1,215.32         58
                                       6.625          1,215.32
    PLEASANT HILL    CA   94523          5            11/08/02         00
    0435237185                           05           01/01/03          0
    7359520894                           N            12/01/32
    0

    8266639          E22/G02             F          157,500.00         ZZ
                                         360        157,391.61          3
                                       7.875          1,141.98         90
                                       7.625          1,141.98
    EAST ORANGE      NJ   07018          1            12/06/02         01
    0415215102                           05           02/01/03         25
    0415215102                           N            01/01/33
    0

    8266869          E22/G02             F          112,500.00         ZZ
                                         360        112,405.49          4
                                       6.875            739.04         90
                                       6.625            739.04
    ST. LOUIS        MO   63116          1            12/03/02         01
    0415469691                           05           02/01/03         25
    0415469691                           N            01/01/33
    0

    8269457          E22/G02             F          113,000.00         ZZ
                                         360        112,905.07          1
                                       6.875            742.33         25
                                       6.625            742.33
    SAN FRANCISCO    CA   94112          2            11/26/02         00
    0415236033                           05           02/01/03          0
    0415236033                           N            01/01/33
    0

    8269793          E22/G02             F          206,955.00         ZZ
                                         360        206,767.91          1
1

                                       6.500          1,308.10         90
                                       6.250          1,308.10
    MARYSVILLE       WA   98270          1            12/04/02         10
    0415523976                           05           02/01/03         25
    0415523976                           O            01/01/33
    0

    8269869          E22/G02             F           70,400.00         ZZ
                                         360         70,347.75          1
                                       7.500            492.25         80
                                       7.250            492.25
    HOUSTON          TX   77086          1            12/06/02         00
    0415599299                           03           02/01/03          0
    0415599299                           N            01/01/33
    0

    8270571          E47/G02             F          147,000.00         ZZ
                                         360        146,713.51          1
                                       6.125            893.19         78
                                       5.875            893.19
    HOUSTON          TX   77049          1            11/25/02         00
    0435096193                           05           01/01/03          0
    7323011659                           O            12/01/32
    0

    8271663          477/G02             F          172,000.00         ZZ
                                         360        171,680.53          1
                                       6.375          1,073.06         80
                                       6.125          1,073.06
    PEORIA           AZ   85382          2            11/20/02         00
    0435115357                           03           01/01/03          0
    238568                               O            12/01/32
    0

    8271727          A06/G02             F           50,000.00         ZZ
                                         360         49,960.99          1
                                       7.250            341.09         67
                                       7.000            341.09
    DETROIT          MI   48219          5            11/26/02         00
    0435064183                           05           02/02/03          0
    025000020229830                      N            01/02/33
    0

    8272017          806/G02             F          197,600.00         ZZ
                                         360        197,232.99          1
                                       6.375          1,232.77         80
                                       6.125          1,232.77
    LAKE ELSINORE    CA   92530          1            11/07/02         00
    0435145099                           05           01/01/03          0
1

    1050006624                           O            12/01/32
    0

    8272031          G34/G02             F          181,000.00         ZZ
                                         360        180,687.46          1
                                       6.750          1,173.96         69
                                       6.500          1,173.96
    PORTALES         NM   88130          5            11/27/02         00
    0435109491                           05           01/01/03          0
    85209042                             O            12/01/32
    0

    8272751          B44/G02             F          250,000.00         ZZ
                                         360        249,568.29          1
                                       6.750          1,621.50         45
                                       6.500          1,621.50
    SAN RAMON        CA   94583          5            11/25/02         00
    0435094750                           03           01/01/03          0
    3020850                              N            12/01/32
    0

    8273131          E22/G02             F           99,750.00         ZZ
                                         360         99,653.96          1
                                       7.000            663.64         95
                                       6.750            663.64
    BATTLE CREEK     MI   49017          5            12/05/02         04
    0415360080                           05           02/01/03         35
    0415360080                           O            01/01/33
    0

    8273149          E22/G02             F           51,200.00         ZZ
                                         360         51,160.06          1
                                       7.250            349.27         80
                                       7.000            349.27
    SAN ANTONIO      TX   78239          1            12/06/02         00
    0415401652                           05           02/01/03          0
    0415401652                           N            01/01/33
    0

    8273411          E82/G02             F           28,400.00         ZZ
                                         360         28,376.14          1
                                       6.875            186.57         41
                                       6.625            186.57
    MARKHAM          IL   60426          2            12/09/02         00
    0400723755                           05           02/01/03          0
    1742089                              N            01/01/33
    0

1

    8275533          F61/G02             F          112,500.00         ZZ
                                         360        112,403.14          1
                                       6.750            729.67         41
                                       6.500            729.67
    SEATTLE          WA   98103          2            12/01/02         00
    0435156781                           05           02/01/03          0
    021088S                              N            01/01/33
    0

    8275679          A52/G02             F           57,600.00         ZZ
                                         360         57,509.87          1
                                       7.250            392.93         80
                                       7.000            392.93
    FOREST PARK      GA   30297          1            12/06/02         00
    0435122072                           05           01/01/03          0
    21265                                N            12/01/32
    0

    8275761          E44/G02             F          134,000.00         ZZ
                                         360        133,751.12          1
                                       6.375            835.99         84
                                       6.125            835.99
    OGDEN            UT   84404          2            11/27/02         12
    0435047378                           05           01/01/03         12
    53020114                             O            12/01/32
    0

    8276131          B28/G02             F           57,600.00         ZZ
                                         360         57,516.36          1
                                       7.625            407.69         80
                                       7.375            407.69
    GOLDEN           CO   80401          1            12/05/02         00
    0435257258                           01           01/01/03          0
    01802438                             N            12/01/32
    0

    8276585          X64/G02             F           72,000.00         ZZ
                                         360         71,881.62          1
                                       7.000            479.02         90
                                       6.750            479.02
    EASTPOINTE       MI   48021          1            11/13/02         10
    0435215231                           05           01/01/03         25
    630477                               N            12/01/32
    0

    8276645          A06/G02             F          116,800.00         ZZ
                                         360        116,593.31          1
                                       6.625            747.89         80
                                       6.375            747.89
1

    FERNDALE         MI   48220          5            11/27/02         00
    0435065578                           05           01/01/03          0
    025000020228273                      O            12/01/32
    0

    8277221          F64/G02             F           48,000.00         ZZ
                                         360         47,928.54          1
                                       7.500            335.62         80
                                       7.250            335.62
    ST. LOUIS        MO   63133          1            11/14/02         00
    0435068119                           05           01/01/03          0
    00003932                             N            12/01/32
    0

    8277373          940/G02             F           98,000.00         ZZ
                                         360         97,817.99          1
                                       6.375            611.39         55
                                       6.125            611.39
    POMONA           CA   91766          5            11/22/02         00
    0435109467                           01           01/01/03          0
    40020940                             O            12/01/32
    0

    8277421          E22/G02             F          112,000.00         ZZ
                                         360        111,896.27          2
                                       6.375            698.73         47
                                       6.125            698.73
    DUNELLEN         NJ   08812          2            12/10/02         00
    0415147495                           05           02/01/03          0
    0415147495                           N            01/01/33
    0

    8277589          E22/G02             F           65,000.00         ZZ
                                         360         64,939.79          1
                                       6.375            405.52         38
                                       6.125            405.52
    PISCATAWAY       NJ   08854          2            12/11/02         00
    0415477314                           01           02/01/03          0
    0415477314                           N            01/01/33
    0

    8277641          E22/G02             F          392,000.00         ZZ
                                         360        391,628.06          1
                                       6.250          2,413.61         80
                                       6.000          2,413.61
    SAN GABRIEL ARE  CA   91776          5            12/03/02         00
    0415549211                           05           02/01/03          0
    0415549211                           O            01/01/33
    0
1

    8277669          E22/G02             F          129,600.00         ZZ
                                         360        129,488.42          1
                                       6.750            840.58         80
                                       6.500            840.58
    MIAMI            FL   33157          2            12/06/02         00
    0415571223                           05           02/01/03          0
    0415571223                           O            01/01/33
    0

    8277697          E22/G02             F          300,000.00         ZZ
                                         360        299,728.80          1
                                       6.500          1,896.20         38
                                       6.250          1,896.20
    PALO ALTO        CA   94306          2            12/02/02         00
    0415600394                           05           02/01/03          0
    0415600394                           N            01/01/33
    0

    8277701          E22/G02             F           92,000.00         ZZ
                                         360         91,918.83          1
                                       6.625            589.09         80
                                       6.375            589.09
    TACOMA           WA   98418          1            12/05/02         00
    0415612258                           05           02/01/03          0
    0415612258                           O            01/01/33
    0

    8277721          U05/G02             F          140,400.00         ZZ
                                         360        140,151.57          4
                                       6.625            899.00         90
                                       6.375            899.00
    POSEN            IL   60469          1            11/27/02         04
    0435311246                           05           01/01/03         25
    3274014                              N            12/01/32
    0

    8277943          E57/G02             F           82,000.00         ZZ
                                         360         81,925.87          1
                                       6.500            518.30         80
                                       6.250            518.30
    FRESNO           CA   93722          1            12/04/02         00
    0435109715                           05           02/01/03          0
    13004261                             N            01/01/33
    0

    8278421          M27/G02             F          388,000.00         ZZ
                                         360        387,279.35          1
1

                                       6.375          2,420.62         41
                                       6.125          2,420.62
    COROLLA          NC   27927          2            11/26/02         00
    0435290820                           05           01/01/03          0
    0100016157                           N            12/01/32
    0

    8279015          F36/G02             F          202,400.00         ZZ
                                         360        202,207.96          1
                                       6.250          1,246.21         80
                                       6.000          1,246.21
    TACOMA           WA   98405          5            12/03/02         00
    0435105978                           05           02/01/03          0
    06505492                             O            01/01/33
    0

    8279061          W93/G02             F          140,700.00         ZZ
                                         360        140,457.04          1
                                       6.750            912.58         80
                                       6.500            912.58
    PEORIA           AZ   85382          1            11/19/02         00
    0435069729                           03           01/01/03          0
    35435004                             O            12/01/32
    0

    8279093          N74/G02             F          106,080.00         ZZ
                                         360        105,882.98          1
                                       6.375            661.80         85
                                       6.125            661.80
    AXTON            VA   24054          2            11/27/02         10
    0435081716                           05           01/03/03         12
    0031249010                           O            12/03/32
    0

    8279113          F36/G02             F          131,250.00         ZZ
                                         360        131,128.44          1
                                       6.375            818.83         75
                                       6.125            818.83
    LAKEWOOD         WA   98498          5            12/02/02         00
    0435103627                           05           02/01/03          0
    06405556                             N            01/01/33
    0

    8279181          E85/G02             F          270,000.00         ZZ
                                         360        269,473.82          1
                                       6.125          1,640.55         48
                                       5.875          1,640.55
    SAN RAFAEL       CA   94901          2            11/19/02         00
    0435061924                           09           01/01/03          0
1

    9616442                              N            12/01/32
    0

    8279431          S27/G02             F          113,400.00         ZZ
                                         360        113,218.08          2
                                       7.125            764.00         90
                                       6.875            764.00
    CHICAGO          IL   60621          1            12/03/02         10
    0435105390                           05           01/01/03         25
    1830003605                           N            12/01/32
    0

    8279541          R84/G02             F          184,000.00         ZZ
                                         360        183,649.91          1
                                       6.250          1,132.92         80
                                       6.000          1,132.92
    ORANGE PARK      FL   32073          1            10/11/02         00
    0435211750                           03           01/01/03          0
    13410134                             O            12/01/32
    0

    8280067          E22/G02             F          130,800.00         ZZ
                                         360        130,678.86          1
                                       6.375            816.02         80
                                       6.125            816.02
    HAYMARKET        VA   20169          1            12/12/02         00
    0415584614                           03           02/01/03          0
    0415584614                           O            01/01/33
    0

    8280113          E22/G02             F           27,450.00         ZZ
                                         360         27,431.11          1
                                       7.875            199.03         90
                                       7.625            199.03
    BATON ROUGE      LA   70805          1            12/12/02         04
    0415642909                           05           02/01/03         25
    0415642909                           N            01/01/33
    0

    8280137          E22/G02             F          111,000.00         ZZ
                                         360        110,902.06          4
                                       6.625            710.75         36
                                       6.375            710.75
    AURORA           CO   80010          2            12/12/02         00
    0415655687                           05           02/01/03          0
    0415655687                           N            01/01/33
    0

1

    8280615          E85/G02             F          175,000.00         ZZ
                                         360        174,705.10          1
                                       6.875          1,149.63         31
                                       6.625          1,149.63
    MILL VALLEY      CA   94941          2            11/19/02         00
    0435109020                           05           01/01/03          0
    9616540                              N            12/01/32
    0

    8281355          E86/G02             F          486,000.00         ZZ
                                         360        485,075.34          1
                                       6.250          2,992.38         80
                                       6.000          2,992.38
    COSTA MESA       CA   92627          2            11/21/02         00
    0435279716                           05           01/01/03          0
    248283                               O            12/01/32
    0

    8281479          U42/G02             F          608,000.00         ZZ
                                         360        606,897.75          1
                                       6.500          3,842.97         80
                                       6.250          3,842.97
    ALEDO            TX   76008          5            11/12/02         00
    0435237581                           05           01/01/03          0
    33201190                             O            12/01/32
    0

    8281767          E85/G02             F          100,000.00         ZZ
                                         360         99,827.32          1
                                       6.750            648.60         31
                                       6.500            648.60
    SAN RAFAEL       CA   94901          2            11/25/02         00
    0435058680                           01           01/01/03          0
    9616807                              N            12/01/32
    0

    8282865          286/286             F          159,250.00         ZZ
                                         360        158,815.75          3
                                       6.500          1,006.57         65
                                       6.250          1,006.57
    STOCKTON         CA   95210          5            10/22/02         00
    1616651                              05           12/01/02          0
    1616651                              N            11/01/32
    0

    8282899          286/286             F          140,000.00         ZZ
                                         360        139,739.97          2
                                       6.375            873.42         70
                                       6.125            873.42
1

    GERBER           CA   96035          5            11/02/02         00
    1721124                              05           01/01/03          0
    1721124                              N            12/01/32
    0

    8282903          286/286             F           96,500.00         ZZ
                                         360         96,239.38          1
                                       6.750            625.90         34
                                       6.500            625.90
    OAKLEY           CA   94561          1            10/24/02         00
    1724294                              05           12/01/02          0
    1724294                              N            11/01/32
    0

    8282909          286/286             F          204,750.00         ZZ
                                         360        204,033.80          4
                                       7.000          1,362.21         58
                                       6.750          1,362.21
    BOSTON           MA   02127          5            10/22/02         00
    1536093                              05           12/01/02          0
    1536093                              N            11/01/32
    0

    8282919          286/286             F          300,700.00         ZZ
                                         360        300,205.59          2
                                       7.000          2,000.57         70
                                       6.750          2,000.57
    CASTRO VALLEY    CA   94546          2            11/05/02         00
    1705707                              05           01/01/03          0
    1705707                              N            12/01/32
    0

    8283023          286/286             F          115,000.00         ZZ
                                         360        114,715.54          4
                                       7.000            765.10         57
                                       6.750            765.10
    BIDDEFORD        ME   04005          2            10/21/02         00
    1610829                              05           12/01/02          0
    1610829                              N            11/01/32
    0

    8283033          286/286             F           55,500.00         ZZ
                                         360         55,371.79          1
                                       7.375            383.33         74
                                       7.125            383.33
    RIO RANCHO       NM   87124          2            10/07/02         00
    1537909                              05           12/01/02          0
    1537909                              N            11/01/32
    0
1

    8283037          286/286             F           70,600.00         ZZ
                                         360         70,404.93          1
                                       6.750            457.92         73
                                       6.500            457.92
    TUCSON           AZ   85750          1            10/03/02         00
    1623606                              05           12/01/02          0
    1623606                              N            11/01/32
    0

    8283041          286/286             F           80,000.00         ZZ
                                         360         79,792.19          1
                                       6.750            518.88         70
                                       6.500            518.88
    WOODBRIDGE       VA   22191          2            10/22/02         00
    1488097                              01           12/01/02          0
    1488097                              N            11/01/32
    0

    8283061          286/286             F          120,000.00         ZZ
                                         360        119,603.07          2
                                       7.000            798.37         59
                                       6.750            798.37
    DAYTON           OH   45419          5            09/30/02         00
    1521931                              05           11/01/02          0
    1521931                              N            10/01/32
    0

    8283121          286/286             F           50,000.00         ZZ
                                         360         49,862.30          1
                                       7.125            336.86         67
                                       6.875            336.86
    FRANKLIN         IN   46131          1            10/11/02         00
    1657624                              05           12/01/02          0
    1657624                              N            11/01/32
    0

    8283137          286/286             F           68,000.00         ZZ
                                         360         67,810.03          1
                                       6.375            424.24         68
                                       6.125            424.24
    HUDSON           WI   54016          2            10/23/02         00
    1565063                              01           12/01/02          0
    1565063                              N            11/01/32
    0

    8283145          286/286             F           35,000.00         ZZ
                                         360         34,907.05          1
1

                                       7.125            235.81         70
                                       6.875            235.81
    CRUCIBLE         PA   15325          5            10/21/02         00
    1590222                              05           12/01/02          0
    1590222                              N            11/01/32
    0

    8283153          286/286             F          288,000.00         ZZ
                                         360        287,070.52          2
                                       7.125          1,940.31         74
                                       6.875          1,940.31
    YONKERS          NY   10705          5            10/03/02         00
    1559041                              05           11/01/02          0
    1559041                              N            10/01/32
    0

    8283181          286/286             F          140,000.00         ZZ
                                         360        139,636.34          1
                                       6.750            908.04         64
                                       6.500            908.04
    BURKE            VA   22015          5            10/24/02         00
    1676169                              03           12/01/02          0
    1676169                              N            11/01/32
    0

    8283191          286/286             F          180,000.00         ZZ
                                         360        179,509.16          1
                                       6.500          1,137.73         50
                                       6.250          1,137.73
    PARK RIDGE       IL   60068          1            10/25/02         00
    1641208                              05           12/01/02          0
    1641208                              N            11/01/32
    0

    8283195          286/286             F          101,000.00         ZZ
                                         360        100,717.87          1
                                       6.375            630.11         73
                                       6.125            630.11
    PURCELLVILLE     VA   20132          2            10/16/02         00
    1643595                              03           12/01/02          0
    1643595                              N            11/01/32
    0

    8283215          286/286             F          240,000.00         ZZ
                                         360        239,233.69          1
                                       6.625          1,536.75         66
                                       6.375          1,536.75
    ALAMEDA          CA   94502          5            10/03/02         00
    1555811                              03           12/01/02          0
1

    1555811                              N            11/01/32
    0

    8283247          286/286             F          164,900.00         ZZ
                                         360        164,482.00          1
                                       6.875          1,083.28         71
                                       6.625          1,083.28
    INDIANAPOLIS     IN   46220          5            10/07/02         00
    1493540                              05           12/01/02          0
    1493540                              N            11/01/32
    0

    8283259          286/286             F          135,000.00         ZZ
                                         360        134,553.47          1
                                       7.000            898.16         66
                                       6.750            898.16
    CHICAGO          IL   60657          2            09/24/02         00
    1513955                              01           11/01/02          0
    1513955                              N            10/01/32
    0

    8283269          286/286             F           82,250.00         ZZ
                                         360         81,977.91          3
                                       7.000            547.22         70
                                       6.750            547.22
    PHOENIX          AZ   85040          5            10/01/02         00
    1485136                              05           11/01/02          0
    1485136                              N            10/01/32
    0

    8283271          286/286             F           93,400.00         ZZ
                                         360         93,163.24          1
                                       6.875            613.57         64
                                       6.625            613.57
    TUCSON           AZ   85719          2            10/10/02         00
    1583064                              05           12/01/02          0
    1583064                              N            11/01/32
    0

    8283279          286/286             F           45,000.00         ZZ
                                         360         44,831.91          1
                                       6.375            280.75         72
                                       6.125            280.75
    STEUBENVILLE     OH   43952          5            09/16/02         00
    1018795                              05           11/01/02          0
    1018795                              N            10/01/32
    0

1

    8283295          286/286             F           68,800.00         ZZ
                                         360         68,566.78          1
                                       6.875            451.97         43
                                       6.625            451.97
    LAKEWOOD         CO   80226          2            09/18/02         00
    1533981                              03           11/01/02          0
    1533981                              N            10/01/32
    0

    8283299          286/286             F          150,000.00         ZZ
                                         360        149,600.76          3
                                       6.625            960.47         68
                                       6.375            960.47
    BRIDGEPORT       CT   06610          5            10/07/02         00
    1569012                              05           12/01/02          0
    1569012                              N            11/01/32
    0

    8283301          286/286             F          132,000.00         ZZ
                                         360        131,622.29          1
                                       6.250            812.75         68
                                       6.000            812.75
    FREDERICK        MD   21701          2            10/25/02         00
    1505804                              03           12/01/02          0
    1505804                              N            11/01/32
    0

    8283309          286/286             F          122,500.00         ZZ
                                         360        122,189.47          2
                                       6.875            804.74         69
                                       6.625            804.74
    GROSSE POINTE F  MI   48236          1            10/16/02         00
    1520631                              05           12/01/02          0
    1520631                              N            11/01/32
    0

    8283319          286/286             F          140,000.00         ZZ
                                         360        139,618.24          4
                                       6.500            884.90         70
                                       6.250            884.90
    RIALTO           CA   92376          5            10/14/02         00
    1549038                              05           12/01/02          0
    1549038                              N            11/01/32
    0

    8283325          286/286             F           74,500.00         ZZ
                                         360         74,263.88          3
                                       6.250            458.71         74
                                       6.000            458.71
1

    CLEVELAND        OH   44111          2            10/18/02         00
    1470403                              05           12/01/02          0
    1470403                              N            11/01/32
    0

    8283331          286/286             F          115,000.00         ZZ
                                         360        114,701.29          3
                                       6.750            745.89         66
                                       6.500            745.89
    JERSEY CITY      NJ   07097          2            10/21/02         00
    1642994                              05           12/01/02          0
    1642994                              N            11/01/32
    0

    8283333          286/286             F           51,500.00         ZZ
                                         360         51,381.71          1
                                       7.375            355.70         68
                                       7.125            355.70
    PANAMA CITY      FL   32405          2            10/22/02         00
    1615332                              05           12/01/02          0
    1615332                              N            11/01/32
    0

    8283371          286/286             F          121,000.00         ZZ
                                         360        120,677.95          2
                                       6.625            774.78         53
                                       6.375            774.78
    LOWELL           MA   01850          2            10/30/02         00
    1652748                              05           12/01/02          0
    1652748                              N            11/01/32
    0

    8283373          286/286             F          137,000.00         ZZ
                                         360        136,635.37          2
                                       6.625            877.23         57
                                       6.375            877.23
    LOWELL           MA   01850          2            10/30/02         00
    1652760                              05           12/01/02          0
    1652760                              N            11/01/32
    0

    8283393          286/286             F           75,000.00         ZZ
                                         360         74,814.48          1
                                       7.000            498.98         66
                                       6.750            498.98
    LISLE            IL   60532          5            10/21/02         00
    1659127                              01           12/01/02          0
    1659127                              N            11/01/32
    0
1

    8283415          286/286             F           74,020.00         ZZ
                                         360         73,813.23          1
                                       6.375            461.79         55
                                       6.125            461.79
    MANASSAS         VA   22110          2            10/17/02         00
    1606036                              01           12/01/02          0
    1606036                              N            11/01/32
    0

    8283425          286/286             F          105,000.00         ZZ
                                         360        104,746.62          1
                                       7.125            707.40         73
                                       6.875            707.40
    TRENTON          NJ   08628          5            09/08/02         00
    1618732                              05           12/01/02          0
    1618732                              N            11/01/32
    0

    8283437          286/286             F          115,000.00         ZZ
                                         360        114,580.76          2
                                       6.500            726.88         70
                                       6.250            726.88
    WEST WARWICK     RI   02893          5            10/01/02         00
    1542001                              05           11/01/02          0
    1542001                              N            10/01/32
    0

    8283449          286/286             F          103,000.00         ZZ
                                         360        102,624.48          1
                                       6.500            651.04         39
                                       6.250            651.04
    BRIGHTON         MA   02135          2            09/26/02         00
    1670130                              01           11/01/02          0
    1670130                              N            10/01/32
    0

    8283457          286/286             F           92,900.00         ZZ
                                         345         92,640.00          2
                                       6.875            618.41         72
                                       6.625            618.41
    GAHANNA          OH   43230          2            10/17/02         00
    1554344                              05           12/01/02          0
    1554344                              N            08/01/31
    0

    8283475          286/286             F          252,000.00         ZZ
                                         360        251,296.04          4
1

                                       6.375          1,572.16         58
                                       6.125          1,572.16
    CHICAGO          IL   60618          2            10/14/02         00
    1532339                              05           12/01/02          0
    1532339                              N            11/01/32
    0

    8283491          286/286             F          106,250.00         ZZ
                                         360        105,967.19          1
                                       6.625            680.34         63
                                       6.375            680.34
    WASHINGTON       DC   20017          2            10/18/02         00
    1626541                              05           12/01/02          0
    1626541                              N            11/01/32
    0

    8283495          286/286             F          110,500.00         ZZ
                                         360        110,205.88          1
                                       6.625            707.55         65
                                       6.375            707.55
    WASHINGTON       DC   20017          2            10/18/02         00
    1626544                              05           12/01/02          0
    1626544                              N            11/01/32
    0

    8283497          286/286             F           87,500.00         ZZ
                                         360         87,267.10          1
                                       6.625            560.28         52
                                       6.375            560.28
    WASHINGTON       DC   20017          2            10/18/02         00
    1626549                              05           12/01/02          0
    1626549                              N            11/01/32
    0

    8283501          286/286             F           50,000.00         ZZ
                                         360         49,882.27          1
                                       7.250            341.09         46
                                       7.000            341.09
    LOUISVILLE       KY   40258          5            10/18/02         00
    1665233                              05           12/01/02          0
    1665233                              N            11/01/32
    0

    8283509          286/286             F          120,000.00         ZZ
                                         360        119,680.61          1
                                       6.625            768.38         71
                                       6.375            768.38
    ALBUQUERQUE      NM   87111          5            10/25/02         00
    1606051                              05           12/01/02          0
1

    1606051                              N            11/01/32
    0

    8283515          286/286             F          128,000.00         ZZ
                                         360        127,675.54          2
                                       6.875            840.87         55
                                       6.625            840.87
    PEORIA           IL   61614          2            10/22/02         00
    1589444                              05           12/01/02          0
    1589444                              N            11/01/32
    0

    8283519          286/286             F           58,000.00         ZZ
                                         360         57,837.97          1
                                       6.375            361.85         60
                                       6.125            361.85
    MT HOLLY         NC   28120          2            11/01/02         00
    1663646                              05           12/01/02          0
    1663646                              N            11/01/32
    0

    8283521          286/286             F           50,250.00         ZZ
                                         360         50,109.62          1
                                       6.375            313.50         63
                                       6.125            313.50
    MT HOLLY         NC   28120          5            11/01/02         00
    1663648                              05           12/01/02          0
    1663648                              N            11/01/32
    0

    8283523          286/286             F           74,000.00         ZZ
                                         360         73,793.27          1
                                       6.375            461.67         65
                                       6.125            461.67
    BELMONT          NC   28012          2            11/01/02         00
    1663654                              05           12/01/02          0
    1663654                              N            11/01/32
    0

    8283527          286/286             F           73,250.00         ZZ
                                         360         72,944.59          1
                                       6.375            456.99         67
                                       6.125            456.99
    GASTONIA         NC   28052          5            11/01/02         00
    1663658                              05           12/01/02          0
    1663658                              N            11/01/32
    0

1

    8283555          286/286             F          101,500.00         ZZ
                                         360        101,216.47          1
                                       6.375            633.23         66
                                       6.125            633.23
    AUSTIN           TX   78758          2            10/08/02         00
    1587367                              05           12/01/02          0
    1587367                              N            11/01/32
    0

    8283561          286/286             F          293,000.00         ZZ
                                         360        292,238.92          2
                                       6.750          1,900.40         47
                                       6.500          1,900.40
    SOUTH SAN FRANC  CA   94080          2            10/02/02         00
    1516202                              05           12/01/02          0
    1516202                              N            11/01/32
    0

    8283565          286/286             F          110,000.00         ZZ
                                         360        109,714.27          1
                                       6.750            713.46         45
                                       6.500            713.46
    ATHENS           GA   30606          1            10/29/02         00
    1536589                              05           12/01/02          0
    1536589                              N            11/01/32
    0

    8283569          286/286             F           87,000.00         ZZ
                                         360         86,682.84          1
                                       6.500            549.90         70
                                       6.250            549.90
    SAINT DAVID      AZ   85630          1            09/26/02         00
    1443511                              05           11/01/02          0
    1443511                              N            10/01/32
    0

    8283571          286/286             F          120,000.00         ZZ
                                         360        119,664.78          1
                                       6.375            748.65         70
                                       6.125            748.65
    NAGS HEAD        NC   27959          2            10/07/02         00
    1531185                              05           12/01/02          0
    1531185                              N            11/01/32
    0

    8283577          286/286             F          100,000.00         ZZ
                                         360         99,531.96          1
                                       6.375            623.87         72
                                       6.125            623.87
1

    HOLLY SPRINGS    NC   27540          2            08/28/02         00
    1486546                              05           10/01/02          0
    1486546                              N            09/01/32
    0

    8283579          286/286             F          161,843.00         ZZ
                                         360        161,200.06          1
                                       6.500          1,022.96         54
                                       6.250          1,022.96
    VISTA            CA   92083          2            10/28/02         00
    1641926                              01           12/01/02          0
    1641926                              N            11/01/32
    0

    8283583          286/286             F          167,502.00         ZZ
                                         360        166,843.62          1
                                       6.500          1,058.73         55
                                       6.250          1,058.73
    OCEANSIDE        CA   92056          2            10/28/02         00
    1642053                              03           12/01/02          0
    1642053                              N            11/01/32
    0

    8283587          286/286             F          158,551.00         ZZ
                                         360        157,816.20          1
                                       6.500          1,002.16         58
                                       6.250          1,002.16
    OCEANSIDE        CA   92057          2            10/28/02         00
    1652510                              03           12/01/02          0
    1652510                              N            11/01/32
    0

    8283595          286/286             F           64,000.00         ZZ
                                         360         63,825.47          1
                                       6.500            404.53         48
                                       6.250            404.53
    GAITHERSBURG     MD   20886          2            10/22/02         00
    1417735                              03           12/01/02          0
    1417735                              N            11/01/32
    0

    8283599          286/286             F          275,000.00         ZZ
                                         360        273,799.08          4
                                       6.750          1,783.65         55
                                       6.500          1,783.65
    JAMAICA PLAIN    MA   02130          5            08/27/02         00
    1503057                              05           10/01/02          0
    1503057                              N            09/01/32
    0
1

    8283621          286/286             F          262,500.00         ZZ
                                         360        261,499.62          2
                                       6.875          1,724.44         70
                                       6.625          1,724.44
    MAPLEWOOD        NJ   07040          5            09/26/02         00
    1492671                              05           11/01/02          0
    1492671                              N            10/01/32
    0

    8283655          286/286             F          100,000.00         ZZ
                                         360         99,626.56          1
                                       6.375            623.87         61
                                       6.125            623.87
    CENTREVILLE      VA   20120          5            09/24/02         00
    1560572                              03           11/01/02          0
    1560572                              N            10/01/32
    0

    8283675          286/286             F           70,000.00         ZZ
                                         360         69,799.68          1
                                       6.250            431.01         67
                                       6.000            431.01
    MAUMEE           OH   43537          1            10/15/02         00
    1597780                              05           12/01/02          0
    1597780                              N            11/01/32
    0

    8283683          286/286             F           93,500.00         ZZ
                                         360         93,167.28          1
                                       6.625            598.69         68
                                       6.375            598.69
    COVINGTON        GA   30016          2            09/30/02         00
    1562572                              05           11/01/02          0
    1562572                              N            10/01/32
    0

    8283703          286/286             F          300,000.00         ZZ
                                         360        299,161.98          1
                                       6.375          1,871.61         72
                                       6.125          1,871.61
    ARLINGTON        VA   22205          1            10/14/02         00
    1632114                              05           12/01/02          0
    1632114                              N            11/01/32
    0

    8283705          286/286             F          139,500.00         ZZ
                                         360        139,146.14          4
1

                                       6.875            916.42         64
                                       6.625            916.42
    PITTSBURGH       PA   15208          5            10/18/02         00
    1417537                              05           12/01/02          0
    1417537                              N            11/01/32
    0

    8283707          286/286             F           59,500.00         ZZ
                                         360         59,283.05          1
                                       6.500            376.09         68
                                       6.250            376.09
    MERRITT ISALND   FL   32953          2            10/04/02         00
    1622633                              03           11/01/02          0
    1622633                              N            10/01/32
    0

    8283711          286/286             F           65,300.00         ZZ
                                         360         65,056.13          1
                                       6.375            407.39         73
                                       6.125            407.39
    COCOA            FL   32926          2            10/04/02         00
    1622640                              03           11/01/02          0
    1622640                              N            10/01/32
    0

    8283747          286/286             F           87,500.00         ZZ
                                         360         87,293.97          2
                                       7.250            596.91         68
                                       7.000            596.91
    ERIE             PA   16509          2            10/04/02         00
    1489598                              05           12/01/02          0
    1489598                              N            11/01/32
    0

    8283755          286/286             F          195,000.00         ZZ
                                         360        194,481.00          1
                                       6.625          1,248.61         44
                                       6.375          1,248.61
    ATLANTA          GA   30306          5            10/10/02         00
    1608255                              05           12/01/02          0
    1608255                              N            11/01/32
    0

    8283761          286/286             F          105,700.00         ZZ
                                         360        104,036.63          1
                                       6.625            676.81         71
                                       6.375            676.81
    CHESAPEAKE       VA   23323          2            10/15/02         00
    1659228                              05           12/01/02          0
1

    1659228                              N            11/01/32
    0

    8283775          286/286             F           54,500.00         ZZ
                                         360         54,351.38          1
                                       6.500            344.48         69
                                       6.250            344.48
    ELY              MN   55731          5            10/07/02         00
    1587018                              05           12/01/02          0
    1587018                              N            11/01/32
    0

    8283791          286/286             F           46,250.00         ZZ
                                         360         46,123.86          1
                                       6.500            292.34         72
                                       6.250            292.34
    VIRGINIA BEACH   VA   23456          2            10/24/02         00
    1620347                              01           12/01/02          0
    1620347                              N            11/01/32
    0

    8283793          286/286             F          104,000.00         ZZ
                                         360        103,716.38          2
                                       6.500            657.36         67
                                       6.250            657.36
    WARWICK          RI   02888          2            10/25/02         00
    1627269                              05           12/01/02          0
    1627269                              N            11/01/32
    0

    8283807          286/286             F           90,000.00         ZZ
                                         360         89,748.58          1
                                       6.375            561.49         71
                                       6.125            561.49
    TUCSON           AZ   85748          1            10/25/02         00
    1666983                              03           12/01/02          0
    1666983                              N            11/01/32
    0

    8283811          286/286             F          110,000.00         ZZ
                                         360        109,627.17          2
                                       6.875            722.62         65
                                       6.625            722.62
    VERNON           NJ   07462          5            09/23/02         00
    1549827                              05           11/01/02          0
    1549827                              N            10/01/32
    0

1

    8283819          286/286             F          141,750.00         ZZ
                                         360        141,207.79          2
                                       6.250            872.78         70
                                       6.000            872.78
    HOLLAND          MI   49424          5            09/30/02         00
    1497979                              05           11/01/02          0
    1497979                              N            10/01/32
    0

    8283831          286/286             F           69,500.00         ZZ
                                         360         69,246.63          1
                                       6.500            439.29         70
                                       6.250            439.29
    LOUISVILLE       KY   40220          2            09/30/02         00
    1513563                              05           11/01/02          0
    1513563                              N            10/01/32
    0

    8283841          286/286             F           88,850.00         ZZ
                                         360         88,619.21          1
                                       6.750            576.28         74
                                       6.500            576.28
    NEW PALESTINE    IN   46163          1            10/09/02         00
    1669332                              05           12/01/02          0
    1669332                              N            11/01/32
    0

    8283857          286/286             F          238,500.00         ZZ
                                         360        237,833.78          1
                                       6.375          1,487.93         63
                                       6.125          1,487.93
    DUNWOODY         GA   30338          5            10/29/02         00
    1595715                              05           12/01/02          0
    1595715                              N            11/01/32
    0

    8283869          286/286             F          154,650.00         ZZ
                                         360        154,072.45          1
                                       6.375            964.82         71
                                       6.125            964.82
    ALPHARETTA       GA   30004          2            09/23/02         00
    1485765                              05           11/01/02          0
    1485765                              N            10/01/32
    0

    8283901          286/286             F           81,750.00         ZZ
                                         360         81,527.07          1
                                       6.500            516.72         72
                                       6.250            516.72
1

    WOODBRIDGE       VA   22192          2            10/22/02         00
    1642128                              01           12/01/02          0
    1642128                              N            11/01/32
    0

    8283913          286/286             F          310,000.00         ZZ
                                         360        308,896.86          1
                                       6.625          1,984.97         67
                                       6.375          1,984.97
    WASHINGTON       DC   20016          1            09/12/02         00
    1517653                              01           11/01/02          0
    1517653                              N            10/01/32
    0

    8283927          286/286             F           47,600.00         ZZ
                                         360         47,498.54          1
                                       7.750            341.02         70
                                       7.500            341.02
    ROCKLEDGE        FL   32955          1            10/18/02         00
    1586444                              05           12/01/02          0
    1586444                              N            11/01/32
    0

    8283933          286/286             F           84,000.00         ZZ
                                         300         83,569.96          1
                                       6.875            587.02         64
                                       6.625            587.02
    JOLIET           IL   60435          2            10/08/02         00
    1523282                              05           12/01/02          0
    1523282                              N            11/01/27
    0

    8284003          286/286             F           45,000.00         ZZ
                                         360         44,545.79          1
                                       7.250            306.98         70
                                       7.000            306.98
    INDIANAPOLIS     IN   46241          5            10/04/02         00
    1534187                              05           11/01/02          0
    1534187                              N            10/01/32
    0

    8284019          286/286             F           52,000.00         ZZ
                                         360         51,851.19          2
                                       6.250            320.18         63
                                       6.000            320.18
    LAPORTE          IN   46350          5            10/30/02         00
    1605892                              05           12/01/02          0
    1605892                              N            11/01/32
    0
1

    8284023          286/286             F           70,000.00         ZZ
                                         360         69,774.06          2
                                       7.125            471.61         68
                                       6.875            471.61
    BEREA            OH   44017          5            09/09/02         00
    1430636                              05           11/01/02          0
    1430636                              N            10/01/32
    0

    8284025          286/286             F          200,000.00         ZZ
                                         360        199,454.63          1
                                       6.500          1,264.14         58
                                       6.250          1,264.14
    ST GEORGE ISLAN  FL   32328          5            10/21/02         00
    1637574                              05           12/01/02          0
    1637574                              N            11/01/32
    0

    8284043          286/286             F           93,950.00         ZZ
                                         360         93,705.96          1
                                       6.750            609.36         31
                                       6.500            609.36
    PLANO            TX   75024          1            10/21/02         00
    1640535                              03           12/01/02          0
    1640535                              N            11/01/32
    0

    8284053          286/286             F           69,950.00         ZZ
                                         360         69,665.28          1
                                       7.500            489.10         69
                                       7.250            489.10
    APACHE JUNCTION  AZ   85219          5            09/24/02         00
    1742223                              05           11/01/02          0
    1742223                              N            10/01/32
    0

    8284061          286/286             F           96,000.00         ZZ
                                         360         95,738.22          2
                                       6.500            606.79         55
                                       6.250            606.79
    CENTERVILLE      OH   45458          2            11/04/02         00
    1656816                              05           12/01/02          0
    1656816                              N            11/01/32
    0

    8284067          286/286             F           66,500.00         ZZ
                                         360         66,323.01          2
1

                                       6.625            425.81         61
                                       6.375            425.81
    NORFOLK          VA   23518          2            10/25/02         00
    1640870                              05           12/01/02          0
    1640870                              N            11/01/32
    0

    8284079          286/286             F           89,600.00         ZZ
                                         360         89,349.71          1
                                       6.375            558.99         62
                                       6.125            558.99
    DAYTON           OH   45419          2            10/17/02         00
    1583443                              05           12/01/02          0
    1583443                              N            11/01/32
    0

    8284091          286/286             F           92,000.00         ZZ
                                         360         91,766.78          4
                                       6.875            604.38         43
                                       6.625            604.38
    GLENDALE         WI   53217          2            10/11/02         00
    1454345                              05           12/01/02          0
    1454345                              N            11/01/32
    0

    8284093          286/286             F           92,000.00         ZZ
                                         360         91,766.78          4
                                       6.875            604.38         44
                                       6.625            604.38
    GLENDALE         WI   53217          2            10/11/02         00
    1454393                              05           12/01/02          0
    1454393                              N            11/01/32
    0

    8284117          286/286             F           23,000.00         ZZ
                                         360         22,922.06          1
                                       6.875            151.09         38
                                       6.625            151.09
    ONTARIO          OR   97914          5            09/13/02         00
    0001254706                           05           11/01/02          0
    0001254706                           N            10/01/32
    0

    8284129          286/286             F          100,000.00         ZZ
                                         360         99,740.25          1
                                       6.750            648.60         74
                                       6.500            648.60
    GOODYEAR         AZ   85338          1            10/29/02         00
    1693999                              03           12/01/02          0
1

    1693999                              N            11/01/32
    0

    8284131          286/286             F          177,200.00         ZZ
                                         360        176,716.80          2
                                       6.500          1,120.03         71
                                       6.250          1,120.03
    CITRUS HEIGHTS   CA   95610          2            10/18/02         00
    1649566                              05           12/01/02          0
    1649566                              N            11/01/32
    0

    8284145          286/286             F          176,200.00         ZZ
                                         360        175,880.55          1
                                       6.500          1,113.71         71
                                       6.250          1,113.71
    ORANGE           CA   92865          5            10/29/02         00
    1612717                              03           01/01/03          0
    1612717                              N            12/01/32
    0

    8284149          286/286             F           81,250.00         ZZ
                                         360         81,080.07          1
                                       6.625            520.26         65
                                       6.375            520.26
    PHILADELPHIA     PA   19146          5            11/13/02         00
    1705316                              05           01/01/03          0
    1705316                              N            12/01/32
    0

    8284151          286/286             F          100,000.00         ZZ
                                         360         99,790.84          1
                                       6.625            640.32         59
                                       6.375            640.32
    PHILADELPHIA     PA   19146          5            11/13/02         00
    1705336                              05           01/01/03          0
    1705336                              N            12/01/32
    0

    8284155          286/286             F          269,000.00         ZZ
                                         360        268,285.08          3
                                       6.875          1,767.14         51
                                       6.625          1,767.14
    WEST HOLLYWOOD   CA   90046          2            10/22/02         00
    1538056                              05           12/01/02          0
    1538056                              N            11/01/32
    0

1

    8284179          286/286             F          160,000.00         ZZ
                                         360        159,553.03          1
                                       6.375            998.20         69
                                       6.125            998.20
    ORANGE           CA   92866          5            10/30/02         00
    1634480                              05           12/01/02          0
    1634480                              N            11/01/32
    0

    8284181          286/286             F          112,000.00         ZZ
                                         360        111,716.08          3
                                       6.875            735.77         48
                                       6.625            735.77
    WORCESTER        MA   01607          5            10/28/02         00
    1613734                              05           12/01/02          0
    1613734                              N            11/01/32
    0

    8284187          286/286             F           50,000.00         ZZ
                                         360         49,879.34          1
                                       7.125            336.86         53
                                       6.875            336.86
    RIO RANCHO       NM   87124          1            10/17/02         00
    1599525                              03           12/01/02          0
    1599525                              N            11/01/32
    0

    8284193          286/286             F           63,000.00         ZZ
                                         360         62,847.26          1
                                       7.250            429.78         35
                                       7.000            429.78
    SACRAMENTO       CA   95821          5            10/31/02         00
    1733081                              05           12/01/02          0
    1733081                              N            11/01/32
    0

    8284197          286/286             F          114,800.00         ZZ
                                         360        114,479.30          1
                                       6.375            716.21         70
                                       6.125            716.21
    ROUND ROCK       TX   78681          5            10/28/02         00
    1583605                              05           12/01/02          0
    1583605                              N            11/01/32
    0

    8284201          286/286             F           91,000.00         ZZ
                                         360         90,745.78          1
                                       6.375            567.73         74
                                       6.125            567.73
1

    ROUND ROCK       TX   78681          2            10/28/02         00
    1583609                              05           12/01/02          0
    1583609                              N            11/01/32
    0

    8284209          286/286             F           94,500.00         ZZ
                                         360         94,223.51          1
                                       6.375            589.56         70
                                       6.125            589.56
    ALBUQUERQUE      NM   87108          5            10/28/02         00
    1583625                              05           12/01/02          0
    1583625                              N            11/01/32
    0

    8284211          286/286             F           63,000.00         ZZ
                                         360         62,891.21          1
                                       6.750            408.62         73
                                       6.500            408.62
    BARBETON         OH   44203          5            11/13/02         00
    1630293                              05           01/01/03          0
    1630293                              N            12/01/32
    0

    8284217          286/286             F          220,000.00         ZZ
                                         360        219,181.90          1
                                       6.500          1,390.55         65
                                       6.250          1,390.55
    WINDSOR          CA   95492          5            10/18/02         00
    1659478                              05           12/01/02          0
    1659478                              N            11/01/32
    0

    8284227          286/286             F          195,000.00         ZZ
                                         360        194,292.85          1
                                       6.500          1,232.54         70
                                       6.250          1,232.54
    SAN DIEGO        CA   92139          5            10/24/02         00
    1617946                              05           12/01/02          0
    1617946                              N            11/01/32
    0

    8284229          286/286             F          101,500.00         ZZ
                                         360        101,190.97          1
                                       6.500            641.55         37
                                       6.250            641.55
    SAN DIEGO        CA   92139          5            10/24/02         00
    1617973                              05           12/01/02          0
    1617973                              N            11/01/32
    0
1

    8284231          286/286             F          120,600.00         ZZ
                                         360        120,271.14          2
                                       6.500            762.28         41
                                       6.250            762.28
    CHULA VISTA      CA   91910          5            10/24/02         00
    1617984                              05           12/01/02          0
    1617984                              N            11/01/32
    0

    8284235          286/286             F          145,000.00         ZZ
                                         360        144,737.13          1
                                       6.500            916.50         46
                                       6.250            916.50
    SANTA ROSA       CA   95407          5            11/15/02         00
    1675313                              05           01/01/03          0
    1675313                              N            12/01/32
    0

    8284241          286/286             F           88,800.00         ZZ
                                         360         88,590.03          1
                                       6.500            561.28         66
                                       6.250            561.28
    OREM             UT   84057          2            11/05/02         00
    1673123                              05           01/01/03          0
    1673123                              N            12/01/32
    0

    8284251          286/286             F           65,000.00         ZZ
                                         360         64,839.78          1
                                       6.375            405.52         41
                                       6.125            405.52
    REDDING          CA   96001          5            11/07/02         00
    1650700                              05           01/01/03          0
    1650700                              N            12/01/32
    0

    8284257          286/286             F          255,000.00         ZZ
                                         360        254,526.38          1
                                       6.375          1,590.87         64
                                       6.125          1,590.87
    LIVERMORE        CA   94550          5            11/01/02         00
    1738803                              05           01/01/03          0
    1738803                              N            12/01/32
    0

    8284265          286/286             F           72,000.00         ZZ
                                         360         71,821.91          4
1

                                       7.000            479.02         21
                                       6.750            479.02
    LOS ANGELES      CA   90026          5            10/25/02         00
    1577345                              05           12/01/02          0
    1577345                              N            11/01/32
    0

    8284267          286/286             F          245,000.00         ZZ
                                         360        244,331.93          4
                                       6.500          1,548.57         65
                                       6.250          1,548.57
    ONTARIO          CA   91764          2            10/22/02         00
    1644166                              05           12/01/02          0
    1644166                              N            11/01/32
    0

    8284295          286/286             F          300,500.00         ZZ
                                         360        299,928.24          1
                                       6.250          1,850.24         67
                                       6.000          1,850.24
    SAN CARLOS       CA   94070          2            11/07/02         00
    1728313                              01           01/01/03          0
    1728313                              N            12/01/32
    0

    8284299          286/286             F          104,050.00         ZZ
                                         360        103,856.74          1
                                       6.375            649.14         42
                                       6.125            649.14
    ANTIOCH          CA   94509          2            11/18/02         00
    1696608                              05           01/01/03          0
    1696608                              N            12/01/32
    0

    8284307          286/286             F          135,000.00         ZZ
                                         360        134,631.86          1
                                       6.500            853.30         69
                                       6.250            853.30
    WATERTOWN        MA   02472          2            11/04/02         00
    1591018                              01           12/01/02          0
    1591018                              N            11/01/32
    0

    8284325          286/286             F          200,000.00         ZZ
                                         360        199,619.47          1
                                       6.250          1,231.44         54
                                       6.000          1,231.44
    SAN DIEGO        CA   92131          1            10/30/02         00
    1683585                              01           01/01/03          0
1

    1683585                              N            12/01/32
    0

    8284331          286/286             F          300,700.00         ZZ
                                         360        299,765.72          1
                                       6.375          1,875.98         67
                                       6.125          1,875.98
    YORBA LINDA      CA   92887          5            10/22/02         00
    1644773                              05           12/01/02          0
    1644773                              N            11/01/32
    0

    8284339          286/286             F          111,750.00         ZZ
                                         360        111,399.22          1
                                       6.500            706.34         68
                                       6.250            706.34
    WALNUT CREEK     CA   94596          2            11/05/02         00
    1631051                              01           12/01/02          0
    1631051                              N            11/01/32
    0

    8284345          286/286             F          125,000.00         ZZ
                                         360        124,667.31          1
                                       6.625            800.39         63
                                       6.375            800.39
    STOCKTON         CA   95209          2            10/10/02         00
    1609449                              05           12/01/02          0
    1609449                              N            11/01/32
    0

    8284347          286/286             F           72,000.00         ZZ
                                         360         71,812.95          1
                                       6.750            467.00         66
                                       6.500            467.00
    PORTLAND         OR   97217          5            11/05/02         00
    1649616                              01           12/01/02          0
    1649616                              N            11/01/32
    0

    8284353          286/286             F          148,500.00         ZZ
                                         360        148,184.98          1
                                       6.750            963.17         41
                                       6.500            963.17
    FENWICK ISLAND   DE   19944          2            11/13/02         00
    1534716                              05           01/01/03          0
    1534716                              N            12/01/32
    0

1

    8284361          286/286             F          167,300.00         ZZ
                                         360        166,996.70          4
                                       6.500          1,057.45         70
                                       6.250          1,057.45
    PARADISE         CA   95969          1            11/04/02         00
    1730774                              05           01/01/03          0
    1730774                              N            12/01/32
    0

    8284369          286/286             F           98,000.00         ZZ
                                         360         97,644.99          1
                                       6.625            627.51         49
                                       6.375            627.51
    ANTIOCH          CA   94509          2            10/16/02         00
    1606812                              05           12/01/02          0
    1606812                              N            11/01/32
    0

    8284377          286/286             F           55,000.00         ZZ
                                         360         54,900.29          2
                                       6.500            347.64         64
                                       6.250            347.64
    INDIANAPOLIS     IN   46218          2            11/15/02         00
    1748947                              05           01/01/03          0
    1748947                              N            12/01/32
    0

    8284393          286/286             F          144,150.00         ZZ
                                         360        143,784.62          1
                                       6.875            946.96         71
                                       6.625            946.96
    FREDERICK        MD   21703          1            10/24/02         00
    0001257679                           03           12/01/02          0
    0001257679                           N            11/01/32
    0

    8284399          286/286             F           58,000.00         ZZ
                                         360         57,419.73          1
                                       6.625            371.39         39
                                       6.375            371.39
    PROVO            UT   84601          2            11/14/02         00
    1673443                              05           01/01/03          0
    1673443                              N            12/01/32
    0

    8284405          286/286             F          116,000.00         ZZ
                                         360        115,691.24          1
                                       6.625            742.77         55
                                       6.375            742.77
1

    HERNANDO         MS   38632          1            10/28/02         00
    1703411                              05           12/01/02          0
    1703411                              N            11/01/32
    0

    8284409          286/286             F          146,000.00         ZZ
                                         360        145,629.91          1
                                       6.875            959.12         59
                                       6.625            959.12
    CONCORD          CA   94520          2            10/23/02         00
    1663247                              05           12/01/02          0
    1663247                              N            11/01/32
    0

    8284411          286/286             F          110,100.00         ZZ
                                         360        109,814.00          2
                                       6.750            714.11         62
                                       6.500            714.11
    PUYALLUP         WA   98373          5            10/29/02         00
    1652325                              05           12/01/02          0
    1652325                              N            11/01/32
    0

    8284419          286/286             F           85,500.00         ZZ
                                         360         85,341.20          2
                                       6.375            533.41         66
                                       6.125            533.41
    REDDING          CA   96002          5            11/05/02         00
    1622573                              05           01/01/03          0
    1622573                              N            12/01/32
    0

    8284425          286/286             F          159,000.00         ZZ
                                         360        158,566.44          4
                                       6.500          1,004.99         58
                                       6.250          1,004.99
    STOCKTON         CA   95207          5            10/23/02         00
    1115558                              05           12/01/02          0
    1115558                              N            11/01/32
    0

    8284429          286/286             F          125,000.00         ZZ
                                         360        124,683.15          1
                                       6.875            821.16         72
                                       6.625            821.16
    CHESTER          MD   21619          5            10/18/02         00
    0001251840                           03           12/01/02          0
    0001251840                           N            11/01/32
    0
1

    8284443          286/286             F          110,000.00         ZZ
                                         360        109,700.03          1
                                       6.500            695.28         31
                                       6.250            695.28
    SPRING VALLEY    CA   91978          1            10/28/02         00
    1581855                              03           12/01/02          0
    1581855                              N            11/01/32
    0

    8284445          286/286             F          203,500.00         ZZ
                                         360        203,131.07          1
                                       6.500          1,286.26         50
                                       6.250          1,286.26
    GIG HARBOR       WA   98335          2            11/22/02         00
    1256113                              05           01/01/03          0
    1256113                              N            12/01/32
    0

    8284449          286/286             F          185,000.00         ZZ
                                         360        184,703.24          1
                                       7.125          1,246.38         64
                                       6.875          1,246.38
    LAKESIDE         CA   92040          2            10/29/02         00
    1629157                              05           01/01/03          0
    1629157                              N            12/01/32
    0

    8284455          286/286             F          170,000.00         ZZ
                                         360        169,691.79          1
                                       6.500          1,074.52         64
                                       6.250          1,074.52
    CHINO HILLS      CA   91709          2            11/06/02         00
    1660527                              01           01/01/03          0
    1660527                              N            12/01/32
    0

    8284471          286/286             F          114,000.00         ZZ
                                         360        113,788.25          1
                                       6.375            711.22         68
                                       6.125            711.22
    CRYSTAL          MN   55422          2            11/01/02         00
    1684723                              05           01/01/03          0
    1684723                              N            12/01/32
    0

    8284473          286/286             F           45,700.00         ZZ
                                         360         45,622.98          1
1

                                       6.875            300.22         73
                                       6.625            300.22
    INDIANAPOLIS     IN   46241          5            11/19/02         00
    1780180                              05           01/01/03          0
    1780180                              N            12/01/32
    0

    8284481          286/286             F          248,000.00         ZZ
                                         360        247,210.86          2
                                       6.375          1,547.20         62
                                       6.125          1,547.20
    SAN DIEGO        CA   92115          5            11/06/02         00
    1738369                              05           01/01/03          0
    1738369                              N            12/01/32
    0

    8284487          286/286             F          161,500.00         ZZ
                                         360        161,080.50          1
                                       6.750          1,047.49         46
                                       6.500          1,047.49
    YORBA LINDA      CA   92886          1            10/25/02         00
    1706934                              05           12/01/02          0
    1706934                              N            11/01/32
    0

    8284489          286/286             F          132,000.00         ZZ
                                         360        131,673.50          1
                                       7.000            878.20         70
                                       6.750            878.20
    STOCKTON         CA   95207          5            10/31/02         00
    1614712                              05           12/01/02          0
    1614712                              N            11/01/32
    0

    8284491          286/286             F          275,000.00         ZZ
                                         360        274,476.76          2
                                       6.250          1,693.23         65
                                       6.000          1,693.23
    COSTA MESA       CA   92627          5            11/05/02         00
    1686479                              05           01/01/03          0
    1686479                              N            12/01/32
    0

    8284495          286/286             F          130,100.00         ZZ
                                         360        129,727.72          1
                                       6.250            801.05         48
                                       6.000            801.05
    FAIRFAX          VA   22033          2            10/30/02         00
    0001251236                           03           12/01/02          0
1

    0001251236                           N            11/01/32
    0

    8284501          286/286             F          100,000.00         ZZ
                                         360         99,818.71          1
                                       6.500            632.07         58
                                       6.250            632.07
    CORONA           CA   91719          5            11/22/02         00
    1751417                              05           01/01/03          0
    1751417                              N            12/01/32
    0

    8284509          286/286             F          133,500.00         ZZ
                                         360        131,629.82          4
                                       6.500            843.82         31
                                       6.250            843.82
    EL CAJON         CA   92020          2            10/18/02         00
    1648226                              05           12/01/02          0
    1648226                              N            11/01/32
    0

    8284525          286/286             F          101,500.00         ZZ
                                         360        101,298.20          2
                                       6.375            633.23         57
                                       6.125            633.23
    SILVERDALE       WA   98383          5            11/06/02         00
    1699648                              05           01/01/03          0
    1699648                              N            12/01/32
    0

    8284651          286/286             F           84,000.00         ZZ
                                         360         83,830.94          1
                                       6.500            530.94         53
                                       6.250            530.94
    STOCKTON         CA   95204          5            11/05/02         00
    1699882                              05           01/01/03          0
    1699882                              N            12/01/32
    0

    8284657          286/286             F          300,000.00         ZZ
                                         360        299,130.87          1
                                       6.250          1,847.16         58
                                       6.000          1,847.16
    SAN FRANCISCO    CA   94116          5            10/24/02         00
    1688719                              05           12/01/02          0
    1688719                              N            11/01/32
    0

1

    8284659          286/286             F          107,900.00         ZZ
                                         360        107,713.67          1
                                       6.750            699.84         72
                                       6.500            699.84
    RENO             NV   89506          1            11/20/02         00
    1744287                              03           01/01/03          0
    1744287                              N            12/01/32
    0

    8284665          286/286             F           92,800.00         ZZ
                                         360         92,586.84          1
                                       7.375            640.95         80
                                       7.125            640.95
    PORTLAND         OR   97230          1            10/30/02         00
    0001250736                           05           12/01/02          0
    0001250736                           N            11/01/32
    0

    8284673          286/286             F          115,000.00         ZZ
                                         360        114,796.52          2
                                       6.625            736.36         68
                                       6.375            736.36
    YREKA            CA   96097          5            11/07/02         00
    1688911                              05           01/01/03          0
    1688911                              N            12/01/32
    0

    8284677          286/286             F           54,750.00         ZZ
                                         360         54,600.69          1
                                       6.500            346.06         32
                                       6.250            346.06
    MAPLE VALLEY     WA   98038          2            10/23/02         00
    1657196                              05           12/01/02          0
    1657196                              N            11/01/32
    0

    8284681          286/286             F           47,250.00         ZZ
                                         360         47,146.73          1
                                       7.625            334.44         70
                                       7.375            334.44
    MACON            GA   31206          5            10/30/02         00
    1710852                              05           12/01/02          0
    1710852                              N            11/01/32
    0

    8284685          286/286             F          144,500.00         ZZ
                                         360        144,082.47          1
                                       6.500            913.34         54
                                       6.250            913.34
1

    EL CAJON         CA   92019          2            10/28/02         00
    1633666                              01           12/01/02          0
    1633666                              N            11/01/32
    0

    8284689          286/286             F           99,000.00         ZZ
                                         360         98,811.62          1
                                       6.250            609.57         59
                                       6.000            609.57
    FRESNO           CA   93720          2            11/20/02         00
    1780105                              05           01/01/03          0
    1780105                              N            12/01/32
    0

    8284691          286/286             F          251,000.00         ZZ
                                         360        249,073.42          1
                                       6.375          1,565.92         52
                                       6.125          1,565.92
    CARLSBAD         CA   92009          1            11/05/02         00
    1650460                              03           01/01/03          0
    1650460                              N            12/01/32
    0

    8284779          B44/G02             F          164,000.00         ZZ
                                         360        163,848.10          1
                                       6.375          1,023.15         80
                                       6.125          1,023.15
    HAILEY           ID   83333          1            12/02/02         00
    0435121280                           05           02/01/03          0
    4021804                              O            01/01/33
    0

    8285419          588/G02             F          256,000.00         ZZ
                                         360        255,301.96          1
                                       6.500          1,618.09         80
                                       6.250          1,618.09
    NOKESVILLE       VA   20181          1            10/23/02         00
    0435281456                           05           12/01/02          0
    1078146                              O            11/01/32
    0

    8285577          L16/G02             F          153,000.00         ZZ
                                         360        152,772.19          3
                                       7.500          1,069.80         90
                                       7.250          1,069.80
    BAKERSFIELD      CA   93306          1            12/04/02         01
    0435108923                           05           01/01/03         30
    5730                                 N            12/01/32
    0
1

    8285597          E22/G02             F          111,900.00         ZZ
                                         360        111,819.01          1
                                       7.625            792.02         60
                                       7.375            792.02
    AVENTURA         FL   33160          1            12/13/02         00
    0415514652                           01           02/01/03          0
    0415514652                           N            01/01/33
    0

    8285615          E22/G02             F          223,200.00         ZZ
                                         360        223,003.08          2
                                       6.625          1,429.17         90
                                       6.375          1,429.17
    NEW ORLEANS      LA   70118          1            12/13/02         04
    0415539667                           05           02/01/03         25
    0415539667                           N            01/01/33
    0

    8285685          E22/G02             F           98,400.00         ZZ
                                         360         98,308.86          1
                                       6.375            613.89         66
                                       6.125            613.89
    DECATUR          TX   76234          4            12/13/02         00
    0415585124                           05           02/01/03          0
    0415585124                           O            01/01/33
    0

    8285837          E22/G02             F          175,500.00         ZZ
                                         360        175,369.76          3
                                       7.500          1,227.12         90
                                       7.250          1,227.12
    KEANSBURG        NJ   07734          1            12/13/02         04
    0415429976                           05           02/01/03         25
    0415429976                           N            01/01/33
    0

    8285851          E82/G02             F          143,500.00         ZZ
                                         360        143,376.45          1
                                       6.750            930.74         90
                                       6.500            930.74
    LAS VEGAS        NV   89122          2            12/06/02         04
    0400728689                           03           02/01/03         25
    5621902                              O            01/01/33
    0

    8286291          940/G02             F          203,200.00         ZZ
                                         360        203,049.20          1
1

                                       7.500          1,420.80         57
                                       7.250          1,420.80
    HUNTINGTON BEAC  CA   92648          2            12/05/02         00
    0435114699                           01           02/01/03          0
    24020111                             N            01/01/33
    0

    8286575          E47/G02             F          288,000.00         ZZ
                                         360        287,490.40          1
                                       6.625          1,844.10         80
                                       6.375          1,844.10
    BOERNE           TX   78006          5            11/27/02         00
    0435063433                           03           01/01/03          0
    7329012907                           O            12/01/32
    0

    8286863          M27/G02             F          300,000.00         ZZ
                                         360        299,728.80          1
                                       6.500          1,896.20         80
                                       6.250          1,896.20
    CLARKSVILLE      TN   37040          2            12/06/02         00
    0435338421                           05           02/01/03          0
    5000114026                           O            01/01/33
    0

    8287497          286/286             F          398,750.00         ZZ
                                         360        397,739.23          2
                                       6.875          2,619.51         55
                                       6.625          2,619.51
    BEACH HAVEN      NJ   08008          1            10/23/02         00
    1605692                              05           12/01/02          0
    1605692                              N            11/01/32
    0

    8287501          286/286             F          400,000.00         ZZ
                                         360        399,005.97          1
                                       7.375          2,762.71         60
                                       7.125          2,762.71
    POWAY            CA   92064          5            10/01/02         00
    1543635                              05           12/01/02          0
    1543635                              N            11/01/32
    0

    8287515          286/286             F          355,000.00         ZZ
                                         345        354,051.83          1
                                       7.125          2,422.00         71
                                       6.875          2,422.00
    SANTA CRUZ       CA   95062          2            10/28/02         00
    1601680                              05           12/01/02          0
1

    1601680                              N            08/01/31
    0

    8287529          286/286             F          100,000.00         ZZ
                                         360         99,805.10          1
                                       6.125            607.62         61
                                       5.875            607.62
    LAMPASAS         TX   76550          1            11/08/02         00
    1658628                              05           01/01/03          0
    1658628                              O            12/01/32
    0

    8287535          286/286             F           39,600.00         ZZ
                                         360         39,513.46          3
                                       7.625            280.29         90
                                       7.375            280.29
    ALLENTOWN        PA   18102          1            10/31/02         11
    1676612                              05           12/01/02         25
    1676612                              N            11/01/32
    0

    8287615          286/286             F          418,000.00         ZZ
                                         360        416,940.42          1
                                       6.875          2,745.97         59
                                       6.625          2,745.97
    OCCIDENTAL       CA   95465          5            10/03/02         00
    1591198                              05           12/01/02          0
    1591198                              N            11/01/32
    0

    8287621          286/286             F          305,000.00         ZZ
                                         360        304,207.75          1
                                       6.750          1,978.23         70
                                       6.500          1,978.23
    GRANITE BAY      CA   95746          2            10/25/02         00
    1675574                              05           12/01/02          0
    1675574                              N            11/01/32
    0

    8287627          286/286             F          400,000.00         ZZ
                                         360        399,010.62          2
                                       7.000          2,661.21         66
                                       6.750          2,661.21
    LAFAYETTE        CA   94549          5            10/17/02         00
    1113251                              05           12/01/02          0
    1113251                              N            11/01/32
    0

1

    8287663          286/286             F          201,000.00         ZZ
                                         360        200,465.03          4
                                       6.625          1,287.03         67
                                       6.375          1,287.03
    MONTE RIO        CA   95462          2            10/07/02         00
    1113909                              05           12/01/02          0
    1113909                              N            11/01/32
    0

    8287667          286/286             F          310,000.00         ZZ
                                         360        309,194.76          1
                                       6.750          2,010.66         51
                                       6.500          2,010.66
    SAN RAFAEL       CA   94901          5            10/25/02         00
    1663217                              05           12/01/02          0
    1663217                              N            11/01/32
    0

    8287713          286/286             F          400,000.00         ZZ
                                         360        398,576.60          2
                                       6.625          2,561.25         74
                                       6.375          2,561.25
    WESTPORT         CT   06880          1            10/04/02         00
    1568437                              05           11/01/02          0
    1568437                              N            10/01/32
    0

    8287727          286/286             F          400,000.00         ZZ
                                         360        398,855.45          1
                                       6.250          2,462.87         50
                                       6.000          2,462.87
    NAGS HEAD        NC   27959          2            10/22/02         00
    1610444                              05           12/01/02          0
    1610444                              N            11/01/32
    0

    8287731          286/286             F           32,000.00         ZZ
                                         360         31,928.30          1
                                       7.500            223.75         80
                                       7.250            223.75
    DETROIT          MI   48223          1            10/15/02         00
    1648778                              05           12/01/02          0
    1648778                              N            11/01/32
    0

    8287739          286/286             F          600,000.00         ZZ
                                         360        593,726.96          1
                                       6.500          3,792.41         40
                                       6.250          3,792.41
1

    LA JOLLA         CA   92037          2            10/07/02         00
    1561203                              03           12/01/02          0
    1561203                              N            11/01/32
    0

    8288001          758/G02             F          360,000.00         ZZ
                                         360        359,331.37          1
                                       6.375          2,245.93         80
                                       6.125          2,245.93
    DALLAS           TX   75230          5            11/21/02         00
    0435176649                           05           01/01/03          0
    402191                               O            12/01/32
    0

    8288103          K31/G02             F          133,600.00         ZZ
                                         360        133,363.59          1
                                       6.625            855.46         78
                                       6.375            855.46
    ATLANTA          GA   30310          2            11/25/02         00
    0435298708                           05           01/01/03          0
    2095030231                           N            12/01/32
    0

    8288313          286/286             F           67,900.00         ZZ
                                         360         67,776.89          1
                                       6.500            429.18         70
                                       6.250            429.18
    WOODRIDGE        IL   60517          1            11/19/02         00
    1766180                              01           01/01/03          0
    1766180                              N            12/01/32
    0

    8288373          286/286             F           37,800.00         ZZ
                                         360         37,651.73          1
                                       7.375            261.08         70
                                       7.125            261.08
    SOUTH BEND       IN   46628          5            11/14/02         00
    1766139                              05           01/01/03          0
    1766139                              N            12/01/32
    0

    8288577          286/286             F          533,000.00         ZZ
                                         360        532,010.04          1
                                       6.375          3,325.23         45
                                       6.125          3,325.23
    COROLLA          NC   27927          2            11/13/02         00
    1641658                              05           01/01/03          0
    1641658                              N            12/01/32
    0
1

    8288717          286/286             F           63,750.00         ZZ
                                         360         63,652.68          1
                                       7.375            440.31         75
                                       7.125            440.31
    RENO             NV   89502          1            11/01/02         00
    1683516                              03           01/01/03          0
    1683516                              N            12/01/32
    0

    8288737          286/286             F          103,000.00         ZZ
                                         360        102,529.32          1
                                       6.500            651.04         69
                                       6.250            651.04
    ATWATER          CA   95301          1            10/17/02         00
    1609331                              05           12/01/02          0
    1609331                              N            11/01/32
    0

    8288755          286/286             F          100,000.00         ZZ
                                         360         98,957.47          2
                                       7.500            699.22         50
                                       7.250            699.22
    VALLEJO          CA   94590          5            11/06/02         00
    1680398                              05           01/01/03          0
    1680398                              N            12/01/32
    0

    8288949          286/286             F           44,900.00         ZZ
                                         360         44,794.28          1
                                       7.250            306.30         57
                                       7.000            306.30
    LITTLE EGG HARB  NJ   08087          1            10/23/02         00
    1621862                              03           12/01/02          0
    1621862                              N            11/01/32
    0

    8288953          286/286             F           44,800.00         ZZ
                                         360         44,694.51          1
                                       7.250            305.62         53
                                       7.000            305.62
    LITTLE EGG HARB  NJ   08087          1            10/23/02         00
    1621940                              03           12/01/02          0
    1621940                              N            11/01/32
    0

    8288959          286/286             F           60,000.00         ZZ
                                         360         59,830.49          1
1

                                       6.750            389.16         39
                                       6.500            389.16
    WILLITS          CA   95490          5            10/23/02         00
    1595626                              05           12/01/02          0
    1595626                              N            11/01/32
    0

    8289003          286/286             F          231,000.00         ZZ
                                         360        230,354.73          2
                                       6.375          1,441.14         70
                                       6.125          1,441.14
    EDEN PRAIRIE     MN   55346          5            10/30/02         00
    1623855                              05           12/01/02          0
    1623855                              N            11/01/32
    0

    8289013          286/286             F          273,000.00         ZZ
                                         360        272,237.39          2
                                       6.375          1,703.17         70
                                       6.125          1,703.17
    EDINA            MN   55439          5            10/30/02         00
    1623886                              05           12/01/02          0
    1623886                              N            11/01/32
    0

    8289025          286/286             F           96,300.00         ZZ
                                         360         94,467.14          1
                                       6.750            624.60         58
                                       6.500            624.60
    SPARKS           NV   89434          2            09/30/02         00
    1531665                              05           11/01/02          0
    1531665                              N            10/01/32
    0

    8289033          286/286             F          400,000.00         ZZ
                                         360        398,882.64          1
                                       6.375          2,495.48         66
                                       6.125          2,495.48
    CHULA VISTA      CA   91915          2            10/18/02         00
    1606928                              03           12/01/02          0
    1606928                              N            11/01/32
    0

    8289275          286/286             F           93,750.00         ZZ
                                         360         93,506.45          1
                                       6.750            608.07         74
                                       6.500            608.07
    AGAWAM           MA   01001          5            10/30/02         00
    1636624                              05           12/01/02          0
1

    1636624                              N            11/01/32
    0

    8289281          286/286             F          123,750.00         ZZ
                                         360        123,428.52          1
                                       6.750            802.65         75
                                       6.500            802.65
    AGAWAM           MA   01001          5            10/30/02         00
    1686318                              05           12/01/02          0
    1686318                              N            11/01/32
    0

    8289307          286/286             F          172,000.00         ZZ
                                         360        171,483.73          1
                                       6.000          1,031.23         72
                                       5.750          1,031.23
    STAFFORD         VA   22554          2            10/30/02         00
    1630921                              03           12/01/02          0
    1630921                              N            11/01/32
    0

    8289315          286/286             F          205,000.00         ZZ
                                         360        204,441.01          2
                                       6.500          1,295.74         39
                                       6.250          1,295.74
    SANTA CRUZ       CA   95062          2            10/25/02         00
    1611315                              05           12/01/02          0
    1611315                              N            11/01/32
    0

    8289357          286/286             F           70,000.00         ZZ
                                         360         69,745.16          1
                                       6.750            454.02         70
                                       6.500            454.02
    ALBUQUERQUE      NM   87109          1            10/25/02         00
    1663363                              05           12/01/02          0
    1663363                              N            11/01/32
    0

    8289361          286/286             F           75,000.00         ZZ
                                         360         74,699.75          1
                                       7.375            518.01         75
                                       7.125            518.01
    TUCSON           AZ   85701          2            10/30/02         00
    1750318                              05           12/01/02          0
    1750318                              N            11/01/32
    0

1

    8289371          286/286             F          145,000.00         ZZ
                                         360        144,321.67          2
                                       6.750            940.47         54
                                       6.500            940.47
    NEW BRUNSWICK    NJ   08901          5            10/18/02         00
    935855                               05           12/01/02          0
    935855                               N            11/01/32
    0

    8289453          286/286             F          104,000.00         ZZ
                                         360        103,428.14          4
                                       6.750            674.55         33
                                       6.500            674.55
    NEW BRUNSWICK    NJ   08901          2            10/30/02         00
    935860                               05           12/01/02          0
    935860                               N            11/01/32
    0

    8289937          286/286             F          124,000.00         ZZ
                                         360        123,722.18          1
                                       7.500            867.03         68
                                       7.250            867.03
    MIAMI            FL   33196          2            10/29/02         00
    1525585                              05           12/01/02          0
    1525585                              N            11/01/32
    0

    8289983          286/286             F          231,750.00         ZZ
                                         360        231,102.63          1
                                       6.375          1,445.82         75
                                       6.125          1,445.82
    SAN DIEGO        CA   92131          1            10/22/02         00
    1715727                              01           12/01/02          0
    1715727                              N            11/01/32
    0

    8290005          286/286             F          111,000.00         ZZ
                                         360        110,620.09          1
                                       6.750            719.95         51
                                       6.500            719.95
    EAST HAVEN       CT   06512          2            10/25/02         00
    1534401                              05           12/01/02          0
    1534401                              N            11/01/32
    0

    8290031          286/286             F           60,450.00         ZZ
                                         360         60,314.55          1
                                       7.500            422.68         75
                                       7.250            422.68
1

    ELWOOD           IN   46036          2            10/25/02         00
    1611162                              05           12/01/02          0
    1611162                              N            11/01/32
    0

    8290037          286/286             F          388,000.00         ZZ
                                         360        387,279.35          1
                                       6.375          2,420.62         60
                                       6.125          2,420.62
    ALEXANDRIA       VA   22314          2            11/14/02         00
    1722160                              03           01/01/03          0
    1722160                              N            12/01/32
    0

    8290043          286/286             F          107,000.00         ZZ
                                         360        106,667.52          1
                                       6.375            667.55         19
                                       6.125            667.55
    GAITHERSBURG     MD   20878          2            10/21/02         00
    1585571                              03           12/01/02          0
    1585571                              N            11/01/32
    0

    8290047          286/286             F          155,000.00         ZZ
                                         360        154,587.43          1
                                       6.625            992.49         53
                                       6.375            992.49
    SAN JOSE         CA   95126          2            10/18/02         00
    1516664                              01           12/01/02          0
    1516664                              N            11/01/32
    0

    8290159          E47/G02             F          184,000.00         ZZ
                                         360        183,825.41          1
                                       6.250          1,132.92         79
                                       6.000          1,132.92
    SAN ANTONIO      TX   78259          5            12/02/02         00
    0435283718                           03           02/01/03          0
    7362511591                           O            01/01/33
    0

    8290259          286/286             F           51,500.00         ZZ
                                         360         51,411.07          1
                                       6.750            334.03         63
                                       6.500            334.03
    BLOOMINGTON      IL   61701          2            11/15/02         00
    1626358                              05           01/01/03          0
    1626358                              N            12/01/32
    0
1

    8290267          286/286             F          120,000.00         ZZ
                                         360        119,792.78          1
                                       6.750            778.32         75
                                       6.500            778.32
    BLOOMINGTON      IL   61704          5            11/15/02         00
    1626371                              05           01/01/03          0
    1626371                              N            12/01/32
    0

    8290335          286/286             F           60,000.00         ZZ
                                         360         59,898.89          1
                                       6.875            394.16         67
                                       6.625            394.16
    KETTERING        OH   45419          5            11/06/02         00
    1646561                              05           01/01/03          0
    1646561                              N            12/01/32
    0

    8290347          286/286             F          148,500.00         ZZ
                                         360        148,243.56          1
                                       6.750            963.17         75
                                       6.500            963.17
    QUAKERTOWN       PA   18951          5            11/08/02         00
    1697863                              05           01/01/03          0
    1697863                              N            12/01/32
    0

    8290473          F62/G02             F          172,000.00         ZZ
                                         360        171,702.99          1
                                       6.750          1,115.59         71
                                       6.500          1,115.59
    MIAMI            FL   33187          5            11/26/02         00
    0435116819                           05           01/01/03          0
    30636                                O            12/01/32
    0

    8290475          286/286             F          649,000.00         ZZ
                                         360        647,851.64          2
                                       6.625          4,155.62         72
                                       6.375          4,155.62
    WASHINGTON       DC   20009          2            11/12/02         00
    1404925                              05           01/01/03          0
    1404925                              N            12/01/32
    0

    8290481          286/286             F          135,000.00         ZZ
                                         360        134,761.12          1
1

                                       6.625            864.42         75
                                       6.375            864.42
    GERMANTOWN       MD   20874          2            11/06/02         00
    1610381                              01           01/01/03          0
    1610381                              N            12/01/32
    0

    8290485          286/286             F          100,500.00         ZZ
                                         360        100,232.49          1
                                       6.625            643.52         51
                                       6.375            643.52
    WASHINGTON       DC   20002          2            10/31/02         00
    1661773                              05           12/01/02          0
    1661773                              N            11/01/32
    0

    8291533          U28/G02             F           88,000.00         ZZ
                                         360         87,918.49          1
                                       6.375            549.01         68
                                       6.125            549.01
    ATHENS           GA   30606          2            12/10/02         00
    0435157862                           05           02/01/03          0
    969449                               N            01/01/33
    0

    8292295          944/G02             F          170,000.00         ZZ
                                         360        169,838.70          1
                                       6.250          1,046.72         47
                                       6.000          1,046.72
    SAN DIEGO        CA   92103          2            12/03/02         00
    0435223094                           01           02/01/03          0
    W01617009                            N            01/01/33
    0

    8292391          E22/G02             F          119,000.00         ZZ
                                         360        118,904.83          1
                                       7.125            801.73         70
                                       6.875            801.73
    DENVER           CO   80221          5            12/12/02         00
    0415473107                           05           02/01/03          0
    0415473107                           N            01/01/33
    0

    8292437          E22/G02             F          157,000.00         ZZ
                                         360        156,854.58          2
                                       6.375            979.48         84
                                       6.125            979.48
    IRVINGTON        NJ   07111          2            12/11/02         01
    0415594100                           05           02/01/03         12
1

    0415594100                           O            01/01/33
    0

    8292487          E22/G02             F           75,000.00         ZZ
                                         360         74,938.52          1
                                       7.000            498.98         36
                                       6.750            498.98
    NEVADA CITY      CA   95959          5            12/12/02         00
    0415654573                           05           02/01/03          0
    0415654573                           N            01/01/33
    0

    8292495          E22/G02             F          131,100.00         ZZ
                                         360        131,000.24          1
                                       7.375            905.48         95
                                       7.125            905.48
    ZANESVILLE       OH   43701          5            12/10/02         11
    0415670108                           05           02/01/03         30
    0415670108                           O            01/01/33
    0

    8292499          E22/G02             F           60,000.00         ZZ
                                         360         59,952.02          1
                                       7.125            404.23         76
                                       6.875            404.23
    PONTIAC          MI   48340          5            12/16/02         00
    0415689165                           05           02/01/03          0
    0415689165                           N            01/01/33
    0

    8294121          Q59/G02             F          258,000.00         ZZ
                                         360        257,798.74          2
                                       7.250          1,760.01         80
                                       7.000          1,760.01
    LOS ANGELES      CA   90006          1            12/04/02         00
    0435277900                           05           02/01/03          0
    0000403463                           O            01/01/33
    0

    8294315          L20/G02             F           60,000.00         ZZ
                                         360         59,945.76          1
                                       6.500            379.24         75
                                       6.250            379.24
    CARSON CITY      NV   89701          5            12/05/02         00
    0435172119                           09           02/01/03          0
    1141040001                           N            01/01/33
    0

1

    8294401          U19/G02             F          135,000.00         ZZ
                                         360        134,877.96          1
                                       6.500            853.29         90
                                       6.250            853.29
    COMMERCE CITY    CO   80022          2            12/12/02         01
    0435271820                           05           02/01/03         25
    88041185                             O            01/01/33
    0

    8295081          N67/G02             F           85,000.00         ZZ
                                         360         84,882.62          1
                                       7.875            616.31         68
                                       7.625            616.31
    PLANO            TX   75074          1            11/01/02         00
    0435073432                           05           01/01/03          0
    1161002845                           O            12/01/32
    0

    8296003          E22/G02             F          400,000.00         ZZ
                                         360        399,638.40          1
                                       6.500          2,528.27         66
                                       6.250          2,528.27
    BATAVIA          IL   60510          5            12/12/02         00
    0415624360                           05           02/01/03          0
    0415624360                           O            01/01/33
    0

    8296021          E22/G02             F          103,500.00         ZZ
                                         360        103,426.95          1
                                       7.750            741.49         80
                                       7.500            741.49
    PETOSKEY         MI   49770          2            12/12/02         00
    0415642404                           27           02/01/03          0
    0415642404                           O            01/01/33
    0

    8296175          E22/G02             F          109,250.00         ZZ
                                         360        109,162.63          1
                                       7.125            736.04         95
                                       6.875            736.04
    BANNING          CA   92220          1            12/02/02         11
    0415418458                           05           02/01/03         30
    0415418458                           O            01/01/33
    0

    8296191          E22/G02             F          122,000.00         ZZ
                                         360        121,904.82          1
                                       7.250            832.26         88
                                       7.000            832.26
1

    ALLEGANY         NY   14706          2            12/12/02         10
    0415432699                           05           02/01/03         25
    0415432699                           O            01/01/33
    0

    8296235          E22/G02             F          168,150.00         ZZ
                                         360        168,012.16          2
                                       7.000          1,118.71         95
                                       6.750          1,118.71
    PLAINFIELD       NJ   07060          1            12/16/02         04
    0415485309                           05           02/01/03         30
    0415485309                           O            01/01/33
    0

    8296253          E22/G02             F          136,000.00         ZZ
                                         360        135,870.95          1
                                       6.250            837.38         85
                                       6.000            837.38
    NORTH HIGHLANDS  CA   95660          5            12/11/02         01
    0415515162                           05           02/01/03         25
    0415515162                           O            01/01/33
    0

    8296417          M27/G02             F           86,500.00         ZZ
                                         360         86,419.88          1
                                       6.375            539.65         40
                                       6.125            539.65
    CHARLOTTE        NC   28226          5            12/06/02         00
    0435139050                           05           02/01/03          0
    0100083153                           N            01/01/33
    0

    8296583          E47/G02             F          395,200.00         ZZ
                                         360        394,906.70          2
                                       7.500          2,763.30         65
                                       7.250          2,763.30
    HAYWARD          CA   94544          1            11/27/02         00
    0435129713                           05           02/01/03          0
    7359512381                           N            01/01/33
    0

    8296955          950/G02             F           79,300.00         ZZ
                                         360         79,145.45          1
                                       6.125            481.84         52
                                       5.875            481.84
    LAKE STEVENS     WA   98258          5            11/26/02         00
    0435289244                           05           01/01/03          0
    E4210129                             O            12/01/32
    0
1

    8297055          H93/G02             F           92,000.00         ZZ
                                         360         91,914.79          1
                                       6.375            573.96         79
                                       6.125            573.96
    SAINT JOSEPH     MO   64505          5            12/09/02         00
    0435131198                           05           02/01/03          0
    630629                               O            01/01/33
    0

    8297131          U38/G02             F          228,000.00         ZZ
                                         360        227,788.83          1
                                       6.375          1,422.42         80
                                       6.125          1,422.42
    CAPITOLA         CA   95010          5            12/01/02         00
    0435325170                           01           02/01/03          0
    63938                                O            01/01/33
    0

    8297149          A48/G02             F          276,000.00         ZZ
                                         360        275,511.64          1
                                       6.625          1,767.26         73
                                       6.375          1,767.26
    FREMONT          CA   94536          2            11/19/02         00
    0435124797                           09           01/01/03          0
    8111028004                           O            12/01/32
    0

    8297393          Q66/G02             F          135,500.00         ZZ
                                         360        135,386.16          2
                                       6.875            890.14         80
                                       6.625            890.14
    SAINT PAUL       MN   55117          5            12/12/02         00
    0435134655                           05           02/01/03          0
    02B0037                              O            01/01/33
    0

    8297599          E11/G02             F           71,250.00         ZZ
                                         360         71,188.65          1
                                       6.750            462.13         75
                                       6.500            462.13
    SURPRISE         AZ   85374          1            12/10/02         00
    0435128921                           03           02/01/03          0
    0006001052207                        N            01/01/33
    0

    8298231          W02/G02             F          137,700.00         ZZ
                                         360        137,462.22          1
1

                                       6.750            893.12         90
                                       6.500            893.12
    SEMINOLE         FL   33772          2            11/25/02         12
    0435129796                           05           01/01/03         25
    1001806356                           O            12/01/32
    0

    8298247          Q30/G02             F          164,000.00         ZZ
                                         360        163,858.79          1
                                       6.750          1,063.71         75
                                       6.500          1,063.71
    BILLERICA        MA   01862          5            12/12/02         00
    0435128830                           05           02/01/03          0
    21018752                             O            01/01/33
    0

    8298657          U36/G02             F          360,000.00         ZZ
                                         360        359,331.35          1
                                       6.375          2,245.94         80
                                       6.125          2,245.94
    UPPER MARLBORO   MD   20772          2            11/25/02         00
    0435141478                           05           01/01/03          0
    834672002                            O            12/01/32
    0

    8300679          E82/G02             F           88,950.00         ZZ
                                         360         88,867.62          1
                                       6.375            554.93         54
                                       6.125            554.93
    MIDDLETOWN       CT   06457          2            12/18/02         00
    0400746624                           05           02/01/03          0
    1650900                              N            01/01/33
    0

    8300781          E22/G02             F           36,000.00         ZZ
                                         360         35,975.23          2
                                       7.875            261.02         90
                                       7.625            261.02
    SAGINAW          MI   48601          1            12/18/02         04
    0415727437                           05           02/01/03         30
    0415727437                           N            01/01/33
    0

    8300813          E22/G02             F           96,000.00         ZZ
                                         360         95,933.93          1
                                       7.875            696.07         80
                                       7.625            696.07
    WEAVERVILLE      NC   28787          1            12/18/02         00
    0415751585                           05           02/01/03          0
1

    0415751585                           N            01/01/33
    0

    8300827          E22/G02             F          251,250.00         ZZ
                                         360        251,022.87          4
                                       6.500          1,588.07         75
                                       6.250          1,588.07
    BRONX            NY   10466          5            12/13/02         00
    0415021070                           05           02/01/03          0
    0415021070                           O            01/01/33
    0

    8300837          E22/G02             F           99,450.00         ZZ
                                         360         99,364.38          1
                                       6.750            645.03         85
                                       6.500            645.03
    SPRING HILL      KS   66083          5            11/25/02         01
    0415110949                           05           01/01/03         12
    0415110949                           O            12/01/32
    0

    8300983          E22/G02             F           71,350.00         ZZ
                                         360         71,298.36          1
                                       7.625            505.01         80
                                       7.375            505.01
    TRENTON          MI   48183          1            12/18/02         00
    0415336692                           05           02/01/03          0
    0415336692                           N            01/01/33
    0

    8301091          N47/G02             F          272,000.00         ZZ
                                         360        271,729.22          1
                                       6.000          1,630.78         80
                                       5.750          1,630.78
    LOS BANOS        CA   93635          5            12/09/02         00
    0435207246                           05           02/01/03          0
    20500979                             O            01/01/33
    0

    8301101          950/G02             F          108,000.00         ZZ
                                         360        107,813.50          1
                                       6.750            700.49         80
                                       6.500            700.49
    KINGSTON         WA   98346          1            11/21/02         00
    0435130117                           05           01/01/03          0
    E7210196                             N            12/01/32
    0

1

    8301173          N47/G02             F          435,000.00         ZZ
                                         360        434,597.11          1
                                       6.375          2,713.83         77
                                       6.125          2,713.83
    SAN JOSE         CA   95136          2            12/12/02         00
    0435148382                           05           02/01/03          0
    20501163                             O            01/01/33
    0

    8301293          X31/G02             F          165,000.00         ZZ
                                         360        164,850.84          1
                                       6.500          1,042.91         48
                                       6.250          1,042.91
    BRUSH PRAIRIE    WA   98606          5            12/04/02         00
    0435137708                           05           02/01/03          0
    59000090                             O            01/01/33
    0

    8301703          738/G02             F          116,750.00         ZZ
                                         360        116,644.46          1
                                       6.500            737.94         90
                                       6.250            737.94
    CHESAPEAKE       VA   23321          1            12/06/02         10
    0435121199                           07           02/01/03         25
    40769952                             O            01/01/33
    0

    8302025          X52/G02             F          156,000.00         ZZ
                                         360        155,855.51          1
                                       6.375            973.24         65
                                       6.125            973.24
    MARATHON         FL   33050          5            12/02/02         00
    0435229935                           05           02/01/03          0
    02110602                             O            01/01/33
    0

    8302171          W02/G02             F          400,000.00         ZZ
                                         360        399,152.67          1
                                       7.780          2,873.95         79
                                       7.530          2,873.95
    SANTA FE         NM   87501          5            10/24/02         00
    0435130059                           05           12/01/02          0
    PERC1624                             O            11/01/32
    0

    8302413          W45/G02             F          240,000.00         ZZ
                                         360        239,783.04          1
                                       6.500          1,516.96         80
                                       6.250          1,516.96
1

    SAN DIEGO        CA   92154          5            12/11/02         00
    0435147178                           05           02/01/03          0
    0211190305                           O            01/01/33
    0

    8302653          E47/G02             F           63,000.00         ZZ
                                         360         62,943.05          1
                                       6.500            398.20         62
                                       6.250            398.20
    LINCOLNTON       NC   28092          1            12/10/02         00
    0435154992                           05           02/01/03          0
    7344010064                           O            01/01/33
    0

    8303053          477/G02             F          163,200.00         ZZ
                                         360        163,045.15          1
                                       6.250          1,004.85         80
                                       6.000          1,004.85
    WEST COVINA      CA   91791          1            12/10/02         00
    0435137898                           01           02/01/03          0
    235206                               O            01/01/33
    0

    8303057          N67/G02             F          116,800.00         ZZ
                                         360        116,689.17          1
                                       6.250            719.16         80
                                       6.000            719.16
    PHOENIX          AZ   85032          1            12/17/02         00
    0435144142                           05           02/01/03          0
    1760003352                           O            01/01/33
    0

    8303211          W93/G02             F          116,700.00         ZZ
                                         360        116,601.95          1
                                       6.875            766.64         80
                                       6.625            766.64
    PHOENIX          AZ   85023          1            12/10/02         00
    0435126875                           05           02/01/03          0
    35435885                             O            01/01/33
    0

    8303423          E82/G02             F           59,400.00         ZZ
                                         360         59,344.98          1
                                       6.375            370.58         80
                                       6.125            370.58
    ALBUQUERQUE      NM   87121          2            12/13/02         00
    0400729240                           05           02/01/03          0
    1648980                              N            01/01/33
    0
1

    8303685          E22/G02             F          105,000.00         ZZ
                                         360        104,913.93          1
                                       7.000            698.57         75
                                       6.750            698.57
    CORTEZ           CO   81321          5            12/19/02         00
    0415618248                           05           02/01/03          0
    0415618248                           N            01/01/33
    0

    8304099          U42/G02             F          137,750.00         ZZ
                                         360        137,500.94          1
                                       6.500            870.67         95
                                       6.250            870.67
    ROWLETT          TX   75089          1            11/27/02         12
    0435319652                           05           01/01/03         30
    12203157                             O            12/01/32
    0

    8304711          X51/G02             F          186,000.00         ZZ
                                         360        185,827.73          1
                                       6.375          1,160.40         45
                                       6.125          1,160.40
    BOULDER          CO   80304          5            12/18/02         00
    0435130596                           05           02/01/03          0
    R2054021                             N            01/01/33
    0

    8305301          806/G02             F          195,563.00         ZZ
                                         360        194,850.03          1
                                       6.500          1,236.10         80
                                       6.250          1,236.10
    PATTERSON        CA   95363          1            09/03/02         00
    0435177571                           05           11/01/02          0
    1070006889                           O            10/01/32
    0

    8305373          E22/G02             F          212,000.00         ZZ
                                         360        211,826.23          1
                                       7.000          1,410.44         80
                                       6.750          1,410.44
    QUINCY           MA   02171          1            12/20/02         00
    0415645019                           08           02/01/03          0
    0415645019                           O            01/01/33
    0

    8305405          E22/G02             F          163,000.00         ZZ
                                         360        162,851.13          1
1

                                       6.500          1,030.27         86
                                       6.250          1,030.27
    AURORA           CO   80017          5            12/16/02         04
    0415671221                           05           02/01/03         25
    0415671221                           O            01/01/33
    0

    8305473          E22/G02             F           66,300.00         ZZ
                                         360         66,238.59          1
                                       6.375            413.63         78
                                       6.125            413.63
    TWIN LAKE        MI   49457          2            12/16/02         00
    0415498021                           05           02/01/03          0
    0415498021                           O            01/01/33
    0

    8305481          E22/G02             F          499,100.00         ZZ
                                         360        498,637.74          1
                                       6.375          3,113.73         80
                                       6.125          3,113.73
    CALIFON          NJ   07830          1            12/20/02         00
    0415521756                           05           02/01/03          0
    0415521756                           O            01/01/33
    0

    8305489          E22/G02             F          189,600.00         ZZ
                                         360        189,422.40          1
                                       6.375          1,182.86         80
                                       6.125          1,182.86
    SEATTLE          WA   98117          1            12/18/02         00
    0415549278                           07           02/01/03          0
    0415549278                           O            01/01/33
    0

    8305543          E22/G02             F          346,400.00         ZZ
                                         360        346,079.16          1
                                       6.375          2,161.09         80
                                       6.125          2,161.09
    BELLAIRE         TX   77401          1            12/20/02         00
    0415604776                           05           02/01/03          0
    0415604776                           O            01/01/33
    0

    8306149          B28/G02             F           80,000.00         ZZ
                                         360         79,931.12          2
                                       6.750            518.88         30
                                       6.500            518.88
    OAKLAND          CA   94607          2            12/04/02         00
    0435271028                           05           02/01/03          0
1

    02501769                             O            01/01/33
    0

    8306831          M37/G02             F           75,200.00         T
                                         360         75,130.35          1
                                       6.375            469.15         80
                                       6.125            469.15
    PEORIA           AZ   85345          1            12/09/02         00
    0435193990                           09           02/01/03          0
    610389                               O            01/01/33
    0

    8306853          N47/G02             F          270,000.00         ZZ
                                         360        269,761.78          1
                                       6.625          1,728.84         75
                                       6.375          1,728.84
    ANTIOCH          CA   94531          5            12/12/02         00
    0435212667                           05           02/01/03          0
    90500164                             N            01/01/33
    0

    8306979          S11/G02             F          369,000.00         ZZ
                                         360        368,674.44          1
                                       6.625          2,362.75         90
                                       6.375          2,362.75
    HAYWARD          CA   94544          5            12/13/02         04
    0435199401                           05           02/01/03         25
    10209875                             O            01/01/33
    0

    8307797          E22/G02             F          108,000.00         ZZ
                                         360        107,897.53          1
                                       6.250            664.97         80
                                       6.000            664.97
    CITRUS HEIGHTS   CA   95621          2            12/04/02         00
    0415492412                           07           02/01/03          0
    0415492412                           O            01/01/33
    0

    8307821          E22/G02             F           71,000.00         ZZ
                                         360         70,944.61          1
                                       7.250            484.35         89
                                       7.000            484.35
    PUEBLO           CO   81006          5            12/18/02         04
    0415509041                           05           02/01/03         25
    0415509041                           O            01/01/33
    0

1

    8307859          E22/G02             F          416,500.00         ZZ
                                         360        416,123.48          1
                                       6.500          2,632.56         85
                                       6.250          2,632.56
    EADS             TN   38028          5            12/18/02         11
    0415603265                           05           02/01/03         12
    0415603265                           O            01/01/33
    0

    8307929          E22/G02             F           85,700.00         ZZ
                                         360         85,631.46          1
                                       7.125            577.38         90
                                       6.875            577.38
    POPLAR GROVE     IL   61065          1            12/23/02         04
    0415667922                           05           02/01/03         25
    0415667922                           N            01/01/33
    0

    8308027          E22/G02             F          105,200.00         ZZ
                                         360        105,107.18          1
                                       6.625            673.61         80
                                       6.375            673.61
    WILLISTON        VT   05495          1            12/23/02         00
    0415441260                           01           02/01/03          0
    0415441260                           O            01/01/33
    0

    8308033          E22/G02             F          117,592.00         ZZ
                                         360        117,485.70          1
                                       6.500            743.26         80
                                       6.250            743.26
    BEAVERTON        OR   97007          1            12/18/02         00
    0415461839                           01           02/01/03          0
    0415461839                           O            01/01/33
    0

    8308055          E22/G02             F          139,000.00         ZZ
                                         360        138,871.26          1
                                       6.375            867.18         76
                                       6.125            867.18
    KELLER           TX   76248          5            12/18/02         00
    0415406115                           03           02/01/03          0
    0415406115                           O            01/01/33
    0

    8308309          X67/G02             F          300,000.00         ZZ
                                         360        299,747.96          1
                                       6.875          1,970.79         78
                                       6.625          1,970.79
1

    ORANGE           CA   92865          5            12/05/02         00
    0435320635                           05           02/01/03          0
    00281458                             O            01/01/33
    0

    8308319          N47/G02             F          238,000.00         ZZ
                                         360        237,795.09          1
                                       6.750          1,543.66         85
                                       6.500          1,543.66
    INCLINE VILLAGE  NV   89451          5            12/16/02         04
    0435214861                           01           02/01/03         12
    20501272                             O            01/01/33
    0

    8308501          731/G02             F          330,000.00         ZZ
                                         360        329,686.88          1
                                       6.250          2,031.87         80
                                       6.000          2,031.87
    ROSEVILLE        CA   95747          5            11/27/02         00
    0435148481                           05           02/01/03          0
    200250                               O            01/01/33
    0

    8308735          M27/G02             F          149,500.00         ZZ
                                         360        149,361.53          1
                                       6.375            932.69         65
                                       6.125            932.69
    FLAT ROCK        NC   28731          5            12/16/02         00
    0435194014                           05           02/01/03          0
    0100050063                           O            01/01/33
    0

    8308991          F61/G02             F          269,000.00         ZZ
                                         360        268,463.08          1
                                       6.000          1,612.79         54
                                       5.750          1,612.79
    SEATTLE          WA   98103          2            11/19/02         00
    0435122197                           05           01/01/03          0
    021942S                              O            12/01/32
    0

    8308993          X72/G02             F          136,000.00         ZZ
                                         360        135,874.04          1
                                       6.375            848.46         80
                                       6.125            848.46
    FORT COLLINS     CO   80524          2            12/20/02         00
    0435152756                           05           02/01/03          0
    29084003                             O            01/01/33
    0
1

    8309051          944/G02             F          350,000.00         ZZ
                                         360        349,659.82          1
                                       6.125          2,126.64         71
                                       5.875          2,126.64
    STAFFORD         VA   22554          5            12/13/02         00
    0435236518                           09           02/01/03          0
    02035588                             O            01/01/33
    0

    8309081          J95/G02             F           80,000.00         ZZ
                                         360         79,944.94          1
                                       7.875            580.06         56
                                       7.625            580.06
    VICTORVILLE      CA   92392          5            12/05/02         00
    0435335641                           05           02/01/03          0
    0040161440                           N            01/01/33
    0

    8309435          964/G02             F          344,000.00         ZZ
                                         360        343,649.28          1
                                       5.875          2,034.89         80
                                       5.625          2,034.89
    SEATTLE          WA   98115          2            12/12/02         00
    0435138029                           05           02/01/03          0
    303047                               O            01/01/33
    0

    8309787          E22/G02             F          100,000.00         ZZ
                                         360         99,918.03          1
                                       7.000            665.30         48
                                       6.750            665.30
    WESTON           FL   33326          5            12/19/02         00
    0415728104                           03           02/01/03          0
    0415728104                           O            01/01/33
    0

    8309871          E22/G02             F          110,000.00         ZZ
                                         360        109,900.56          2
                                       6.500            695.27         69
                                       6.250            695.27
    BRADENTON        FL   34210          2            12/19/02         00
    0415627835                           05           02/01/03          0
    0415627835                           O            01/01/33
    0

    8311269          G34/G02             F           82,500.00         ZZ
                                         360         82,425.42          1
1

                                       6.500            521.46         75
                                       6.250            521.46
    DALLAS           TX   75238          5            12/10/02         00
    0435317235                           05           02/01/03          0
    85210092                             O            01/01/33
    0

    8311299          S27/G02             F          152,000.00         ZZ
                                         360        151,859.21          1
                                       6.375            948.29         80
                                       6.125            948.29
    BURTONVILLE      MD   20866          1            12/10/02         00
    0435146139                           09           02/01/03          0
    1020005620                           O            01/01/33
    0

    8311971          N74/G02             F           85,000.00         ZZ
                                         360         84,845.90          1
                                       6.500            537.26         75
                                       6.250            537.26
    LUBBOCK          TX   79424          2            12/17/02         00
    0435236450                           05           01/23/03          0
    0031356010                           O            12/23/32
    0

    8311979          N74/G02             F           50,000.00         ZZ
                                         240         49,902.55          1
                                       6.875            383.91         36
                                       6.625            383.91
    GRAND SALINE     TX   75140          5            12/20/02         00
    0435280011                           05           02/01/03          0
    0031385010                           N            01/01/23
    0

    8312741          E22/G02             F           64,800.00         ZZ
                                         360         64,755.41          2
                                       7.875            469.84         90
                                       7.625            469.84
    NEW ORLEANS      LA   70117          2            12/26/02         04
    0415138718                           05           02/01/03         25
    0415138718                           N            01/01/33
    0

    8312771          E22/G02             F           49,500.00         ZZ
                                         360         49,465.07          1
                                       7.750            354.62         77
                                       7.500            354.62
    EASLEY           SC   29640          2            12/26/02         00
    0415299098                           05           02/01/03          0
1

    0415299098                           N            01/01/33
    0

    8312861          E22/G02             F           80,750.00         ZZ
                                         360         80,687.00          1
                                       7.250            550.86         84
                                       7.000            550.86
    DEPTFORD         NJ   08096          5            12/20/02         01
    0415549153                           05           02/01/03         12
    0415549153                           O            01/01/33
    0

    8312891          E22/G02             F          200,000.00         ZZ
                                         360        199,831.97          1
                                       6.875          1,313.86         79
                                       6.625          1,313.86
    ROCKWALL         TX   75087          5            12/19/02         00
    0415593359                           05           02/01/03          0
    0415593359                           O            01/01/33
    0

    8312893          E22/G02             F          150,000.00         ZZ
                                         360        149,857.67          1
                                       6.250            923.58         66
                                       6.000            923.58
    FRISCO           TX   75034          5            12/20/02         00
    0415593383                           03           02/01/03          0
    0415593383                           O            01/01/33
    0

    8312931          E22/G02             F           80,000.00         ZZ
                                         360         79,927.68          1
                                       6.500            505.65         22
                                       6.250            505.65
    SUNRISE BEACH    TX   78643          5            12/20/02         00
    0415616721                           03           02/01/03          0
    0415616721                           O            01/01/33
    0

    8312933          E22/G02             F          182,000.00         ZZ
                                         360        181,839.42          1
                                       6.625          1,165.37         67
                                       6.375          1,165.37
    WEST BABYLON     NY   11704          2            12/20/02         00
    0415620392                           05           02/01/03          0
    0415620392                           O            01/01/33
    0

1

    8312957          E22/G02             F          250,000.00         ZZ
                                         360        249,784.75          1
                                       6.750          1,621.50         72
                                       6.500          1,621.50
    OCALA            FL   34480          5            12/20/02         00
    0415655885                           05           02/01/03          0
    0415655885                           O            01/01/33
    0

    8312985          E22/G02             F           64,500.00         ZZ
                                         360         64,448.42          1
                                       7.125            434.55         75
                                       6.875            434.55
    TOLEDO           OH   43615          5            12/26/02         00
    0415684745                           05           02/01/03          0
    0415684745                           N            01/01/33
    0

    8313307          W39/G02             F           86,500.00         ZZ
                                         360         86,435.80          1
                                       7.500            604.83         58
                                       7.250            604.83
    RUIDOSO          NM   88345          1            12/20/02         00
    0435176037                           05           02/01/03          0
    2011                                 N            01/01/33
    0

    8313479          G34/G02             F          112,500.00         ZZ
                                         360        112,407.78          1
                                       7.000            748.47         27
                                       6.750            748.47
    IRVING           TX   75063          5            12/09/02         00
    0435257647                           03           02/01/03          0
    85210444                             O            01/01/33
    0

    8313483          M27/G02             F          240,000.00         ZZ
                                         360        239,777.71          1
                                       6.375          1,497.29         74
                                       6.125          1,497.29
    APEX             NC   27502          5            12/20/02         00
    0435192018                           05           02/01/03          0
    0100129535                           O            01/01/33
    0

    8313527          U35/G02             F           88,000.00         ZZ
                                         360         87,922.36          1
                                       6.625            563.47         80
                                       6.375            563.47
1

    FRESNO           CA   93706          5            12/20/02         00
    0435167887                           05           02/01/03          0
    0007552841                           O            01/01/33
    0

    8313953          T44/G02             F          248,000.00         ZZ
                                         360        247,571.76          1
                                       6.750          1,608.52         80
                                       6.500          1,608.52
    JAMESTOWN        RI   02835          1            11/15/02         00
    0435277439                           05           01/01/03          0
    1058679                              O            12/01/32
    0

    8313973          T44/G02             F          176,000.00         ZZ
                                         360        175,836.99          2
                                       6.375          1,098.01         72
                                       6.125          1,098.01
    RANCHO CORDOVA   CA   95670          5            12/19/02         00
    0435154075                           05           02/01/03          0
    1061242                              N            01/01/33
    0

    8314025          588/G02             F           99,400.00         ZZ
                                         360         99,219.79          1
                                       6.500            628.28         70
                                       6.250            628.28
    FORKS TOWNSHIP   PA   18045          1            11/29/02         00
    0435281811                           05           01/01/03          0
    1081851                              O            12/01/32
    0

    8314177          B44/G02             F          107,600.00         ZZ
                                         360        107,497.91          1
                                       6.250            662.51         80
                                       6.000            662.51
    BOISE            ID   83716          1            12/10/02         00
    0435157029                           03           02/01/03          0
    4021708                              O            01/01/33
    0

    8314405          E82/G02             F          104,950.00         ZZ
                                         360        104,859.64          1
                                       6.750            680.70         87
                                       6.500            680.70
    LAS VEGAS        NV   89104          2            12/26/02         10
    0400736138                           05           02/01/03         25
    4006057                              O            01/01/33
    0
1

    8314599          E82/G02             F          166,000.00         ZZ
                                         360        165,849.94          1
                                       6.500          1,049.23         45
                                       6.250          1,049.23
    MICHIGAN CITY    IN   46360          2            12/27/02         00
    0400752028                           05           02/01/03          0
    1901846                              N            01/01/33
    0

    8314747          E22/G02             F           98,705.00         ZZ
                                         360         98,631.75          1
                                       7.500            690.16         95
                                       7.250            690.16
    HAZEL GREEN      AL   35750          1            12/27/02         01
    0415611045                           05           02/01/03         35
    0415611045                           O            01/01/33
    0

    8314759          E22/G02             F          111,200.00         ZZ
                                         360        111,106.58          1
                                       6.875            730.50         80
                                       6.625            730.50
    FORT LEE         NJ   07024          1            12/27/02         00
    0415645746                           01           02/01/03          0
    0415645746                           N            01/01/33
    0

    8314819          E22/G02             F          241,000.00         ZZ
                                         360        240,782.14          1
                                       6.500          1,523.28         49
                                       6.250          1,523.28
    TWP OF READINGT  NJ   08889          1            12/27/02         00
    0415739986                           05           02/01/03          0
    0415739986                           O            01/01/33
    0

    8314827          E22/G02             F           58,000.00         ZZ
                                         360         57,954.76          2
                                       7.250            395.66         80
                                       7.000            395.66
    HARVEY           LA   70058          1            12/27/02         00
    0415747963                           05           02/01/03          0
    0415747963                           N            01/01/33
    0

    8314835          E22/G02             F           76,000.00         ZZ
                                         360         75,936.15          1
1

                                       6.875            499.27         95
                                       6.625            499.27
    EASTPOINTE       MI   48021          1            12/27/02         04
    0415770346                           05           02/01/03         30
    0415770346                           O            01/01/33
    0

    8314841          E22/G02             F           50,000.00         ZZ
                                         360         49,956.95          1
                                       6.750            324.30         27
                                       6.500            324.30
    AKRON            OH   44303          1            12/27/02         00
    0415791367                           05           02/01/03          0
    0415791367                           O            01/01/33
    0

    8315723          X44/G02             F           72,000.00         ZZ
                                         360         71,931.68          1
                                       6.250            443.32         80
                                       6.000            443.32
    WESTMONT         NJ   08108          2            12/13/02         00
    0435165345                           07           02/01/03          0
    9722001                              O            01/01/33
    0

    8317069          Q49/G02             F          199,000.00         ZZ
                                         360        198,820.10          1
                                       6.500          1,257.82         80
                                       6.250          1,257.82
    NEW HARTFORD     NY   13413          2            12/10/02         00
    0435154760                           05           02/01/03          0
    41416002                             O            01/01/33
    0

    8317833          U05/G02             F           60,500.00         ZZ
                                         360         60,449.17          1
                                       6.875            397.44         53
                                       6.625            397.44
    ROGUE RIVER      OR   97537          5            12/05/02         00
    0435154695                           05           02/01/03          0
    3289882                              N            01/01/33
    0

    8318371          A52/G02             F           67,500.00         ZZ
                                         360         67,449.91          2
                                       7.500            471.97         90
                                       7.250            471.97
    GRIFFIN          GA   30224          1            12/17/02         04
    0435150156                           05           02/01/03         25
1

    22646                                N            01/01/33
    0

    8318413          G34/G02             F          347,000.00         ZZ
                                         360        346,708.48          1
                                       6.875          2,279.54         71
                                       6.625          2,279.54
    SAN JOSE         CA   95148          2            12/11/02         00
    0435157011                           05           02/01/03          0
    48200479                             N            01/01/33
    0

    8318467          420/G02             F          195,000.00         ZZ
                                         360        194,844.06          1
                                       7.125          1,313.75         55
                                       6.875          1,313.75
    SONOMA           CA   95476          1            12/10/02         00
    0435155098                           05           02/01/03          0
    72003712                             N            01/01/33
    0

    8318537          W34/G02             F          114,800.00         ZZ
                                         360        114,688.42          1
                                       6.125            697.54         94
                                       5.875            697.54
    LAS VEGAS        NV   89142          2            12/24/02         10
    0435174123                           05           02/01/03         30
    0211835AJ                            O            01/01/33
    0

    8318573          G34/G02             F          300,000.00         ZZ
                                         360        299,747.96          1
                                       6.875          1,970.79         71
                                       6.625          1,970.79
    MONTE RIO        CA   95462          1            12/04/02         00
    0435158258                           05           02/01/03          0
    48201209                             N            01/01/33
    0

    8318587          588/G02             F          308,000.00         ZZ
                                         360        307,441.62          1
                                       6.500          1,946.77         80
                                       6.250          1,946.77
    BOROUGH OF TINT  NJ   07724          1            12/02/02         00
    0435281373                           05           01/01/03          0
    1078895                              O            12/01/32
    0

1

    8319653          X08/G02             F          138,750.00         ZZ
                                         360        138,621.49          1
                                       6.375            865.62         75
                                       6.125            865.62
    SALT LAKE CITY   UT   84117          5            12/17/02         00
    0435259270                           01           02/01/03          0
    6019278                              O            01/01/33
    0

    8319731          N47/G02             F          650,000.00         ZZ
                                         360        649,426.52          2
                                       6.625          4,162.02         47
                                       6.375          4,162.02
    NEWPORT BEACH    CA   92662          5            12/16/02         00
    0435209556                           05           02/01/03          0
    30500872                             O            01/01/33
    0

    8319753          N47/G02             F          399,950.00         ZZ
                                         360        399,570.51          1
                                       6.250          2,462.56         80
                                       6.000          2,462.56
    CONCORD          CA   94518          1            12/17/02         00
    0435241278                           05           02/01/03          0
    90500229                             O            01/01/33
    0

    8319793          003/G02             F          177,500.00         ZZ
                                         360        175,617.01          1
                                       6.750          1,151.27         70
                                       6.500          1,151.27
    MIAMI            FL   33155          2            11/18/02         00
    0435291240                           05           01/01/03          0
    0021847793                           O            12/01/32
    0

    8319817          003/G02             F          327,750.00         ZZ
                                         360        327,506.76          3
                                       7.500          2,291.68         95
                                       7.250          2,291.68
    DEERFIELD BEACH  FL   33441          1            12/04/02         12
    0435184502                           05           02/01/03         30
    0021886890                           O            01/01/33
    0

    8320605          E22/G02             F          128,000.00         ZZ
                                         360        127,881.45          1
                                       6.375            798.55         80
                                       6.125            798.55
1

    MINNEAPOLIS      MN   55411          5            12/23/02         00
    0415636851                           05           02/01/03          0
    0415636851                           O            01/01/33
    0

    8320637          E22/G02             F          105,000.00         ZZ
                                         360        104,925.89          1
                                       7.750            752.23         88
                                       7.500            752.23
    STONE MOUNTAIN   GA   30083          2            12/30/02         10
    0415667518                           05           02/01/03         25
    0415667518                           N            01/01/33
    0

    8320643          E22/G02             F          157,500.00         ZZ
                                         360        157,350.56          1
                                       6.250            969.75         90
                                       6.000            969.75
    MC CALLA         AL   35111          5            12/23/02         04
    0415672443                           05           02/01/03         25
    0415672443                           O            01/01/33
    0

    8320857          E22/G02             F           75,200.00         ZZ
                                         360         75,130.35          1
                                       6.375            469.15         80
                                       6.125            469.15
    FORT LAUDERDALE  FL   33311          1            12/30/02         00
    0415812551                           05           02/01/03          0
    0415812551                           N            01/01/33
    0

    8320873          E22/G02             F          164,000.00         ZZ
                                         360        163,851.74          1
                                       6.500          1,036.59         80
                                       6.250          1,036.59
    MINNEAPOLIS      MN   55407          5            12/23/02         00
    0415735745                           05           02/01/03          0
    0415735745                           O            01/01/33
    0

    8320909          Q59/G02             F          367,920.00         ZZ
                                         360        367,610.91          1
                                       6.875          2,416.97         80
                                       6.625          2,416.97
    BUELLTON         CA   93427          1            12/16/02         00
    0435172804                           05           02/01/03          0
    0000403945                           O            01/01/33
    0
1

    8320955          E22/G02             F          257,200.00         ZZ
                                         360        256,978.56          1
                                       6.750          1,668.19         73
                                       6.500          1,668.19
    ORANGE           CA   92867          5            12/23/02         00
    0415773399                           05           02/01/03          0
    0415773399                           N            01/01/33
    0

    8321055          E22/G02             F          318,000.00         ZZ
                                         360        317,775.56          1
                                       7.750          2,278.19         85
                                       7.500          2,278.19
    PLAINFIELD       IL   60544          5            12/23/02         01
    0415247915                           05           02/01/03         12
    0415247915                           O            01/01/33
    0

    8321095          E22/G02             F          630,000.00         ZZ
                                         360        629,470.73          1
                                       6.875          4,138.65         67
                                       6.625          4,138.65
    ANNISTON         AL   36207          2            12/23/02         00
    0415343177                           05           02/01/03          0
    0415343177                           O            01/01/33
    0

    8321127          E22/G02             F          240,000.00         ZZ
                                         360        239,777.71          1
                                       6.375          1,497.29         80
                                       6.125          1,497.29
    ALBUQUERQUE      NM   87122          5            12/23/02         00
    0415375674                           05           02/01/03          0
    0415375674                           O            01/01/33
    0

    8321141          E22/G02             F          340,000.00         ZZ
                                         360        339,685.09          1
                                       6.375          2,121.16         80
                                       6.125          2,121.16
    LIVERMORE        CA   94550          2            12/12/02         00
    0415406081                           05           02/01/03          0
    0415406081                           O            01/01/33
    0

    8321195          E22/G02             F          103,500.00         ZZ
                                         240        103,298.28          1
1

                                       6.875            794.69         90
                                       6.625            794.69
    AUBURN           ME   04210          5            12/23/02         10
    0415480680                           05           02/01/03         25
    0415480680                           O            01/01/23
    0

    8321197          E22/G02             F          252,900.00         ZZ
                                         360        252,702.72          1
                                       7.250          1,725.22         90
                                       7.000          1,725.22
    ELMWOOD PARK     NJ   07407          1            12/30/02         04
    0415483403                           05           02/01/03         25
    0415483403                           O            01/01/33
    0

    8321201          E22/G02             F           85,500.00         ZZ
                                         360         85,431.63          1
                                       7.125            576.03         95
                                       6.875            576.03
    COLUMBIA         MS   39429          1            12/30/02         04
    0415488980                           05           02/01/03         30
    0415488980                           O            01/01/33
    0

    8321207          E22/G02             F          149,000.00         ZZ
                                         360        148,877.87          4
                                       7.000            991.30         49
                                       6.750            991.30
    UPLAND           CA   91786          1            12/24/02         00
    0415489178                           05           02/01/03          0
    0415489178                           N            01/01/33
    0

    8321225          E22/G02             F          490,000.00         ZZ
                                         360        489,546.17          1
                                       6.375          3,056.96         77
                                       6.125          3,056.96
    CANTON           MA   02021          5            12/23/02         00
    0415517184                           05           02/01/03          0
    0415517184                           O            01/01/33
    0

    8321231          E22/G02             F          103,000.00         ZZ
                                         360        102,902.27          1
                                       6.250            634.19         67
                                       6.000            634.19
    MIAMI            FL   33196          5            12/18/02         00
    0415529114                           03           02/01/03          0
1

    0415529114                           N            01/01/33
    0

    8321259          E22/G02             F          136,000.00         ZZ
                                         360        135,880.01          2
                                       6.625            870.82         80
                                       6.375            870.82
    REYNOLDSBURG     OH   43068          2            12/23/02         00
    0415561687                           05           02/01/03          0
    0415561687                           O            01/01/33
    0

    8321275          E22/G02             F          127,800.00         ZZ
                                         360        127,681.63          1
                                       6.375            797.31         90
                                       6.125            797.31
    MCCORDSVILLE     IN   46055          5            12/23/02         04
    0415573955                           05           02/01/03         25
    0415573955                           O            01/01/33
    0

    8321423          588/G02             F          132,000.00         ZZ
                                         360        131,877.74          1
                                       6.375            823.51         80
                                       6.125            823.51
    NAZARETH BOROUG  PA   18064          1            12/05/02         00
    0435259866                           05           02/01/03          0
    1081949                              O            01/01/33
    0

    8321565          X67/G02             F          159,000.00         ZZ
                                         360        158,856.26          1
                                       6.500          1,004.99         75
                                       6.250          1,004.99
    LOS ANGELES      CA   90026          5            12/10/02         00
    0435136460                           05           02/01/03          0
    00281933                             N            01/01/33
    0

    8321585          X67/G02             F          360,000.00         ZZ
                                         360        359,658.42          1
                                       6.250          2,216.58         75
                                       6.000          2,216.58
    FULLERTON        CA   92835          5            12/09/02         00
    0435133871                           05           02/01/03          0
    00281748                             O            01/01/33
    0

1

    8321621          S27/G02             F           95,943.00         ZZ
                                         360         95,868.15          1
                                       7.250            654.51         80
                                       7.000            654.51
    EDGEWATER        FL   32141          1            12/24/02         00
    0435148283                           05           02/01/03          0
    1090000526                           O            01/01/33
    0

    8321857          253/253             F          142,760.00         ZZ
                                         360        142,648.64          1
                                       7.250            973.87         80
                                       7.000            973.87
    MC CORDSVILLE    IN   46055          1            12/24/02         00
    422765                               03           02/01/03          0
    422765                               O            01/01/33
    0

    8321863          N47/G02             F          314,000.00         ZZ
                                         360        313,694.81          1
                                       6.125          1,907.90         61
                                       5.875          1,907.90
    DALY CITY        CA   94015          5            12/18/02         00
    0435212089                           05           02/01/03          0
    20500840                             O            01/01/33
    0

    8322053          U42/G02             F          110,000.00         ZZ
                                         360        109,898.12          1
                                       6.375            686.26         62
                                       6.125            686.26
    DURANT           OK   74701          5            12/17/02         00
    0435154752                           05           02/01/03          0
    15201786                             O            01/01/33
    0

    8322457          E82/G02             F           97,700.00         T
                                         360         97,382.04          1
                                       6.625            625.58         80
                                       6.375            625.58
    SPANAWAY         WA   98387          2            12/27/02         00
    0400734018                           01           02/01/03          0
    4081736                              O            01/01/33
    0

    8322545          E22/G02             F          497,500.00         ZZ
                                         360        497,061.06          1
                                       6.625          3,185.55         78
                                       6.375          3,185.55
1

    NORTHRIDGE (L.A  CA   91326          5            12/20/02         00
    0415673797                           05           02/01/03          0
    0415673797                           O            01/01/33
    0

    8322585          E22/G02             F          400,000.00         ZZ
                                         360        399,629.52          1
                                       6.375          2,495.48         77
                                       6.125          2,495.48
    FRANKLIN         MA   02038          5            12/26/02         00
    0415181247                           05           02/01/03          0
    0415181247                           O            01/01/33
    0

    8322599          E22/G02             F          505,000.00         ZZ
                                         360        504,596.16          2
                                       7.125          3,402.28         64
                                       6.875          3,402.28
    SAN FRANCISCO    CA   94121          2            12/13/02         00
    0415236512                           05           02/01/03          0
    0415236512                           N            01/01/33
    0

    8322605          E22/G02             F           82,400.00         T
                                         360         82,337.30          1
                                       7.375            569.12         66
                                       7.125            569.12
    FORT LAUDERDALE  FL   33314          5            12/31/02         00
    0415322544                           05           02/01/03          0
    0415322544                           O            01/01/33
    0

    8322635          E22/G02             F           70,000.00         ZZ
                                         360         69,936.72          1
                                       6.500            442.45         75
                                       6.250            442.45
    LOUISVILLE       KY   40216          2            12/31/02         00
    0415412626                           05           02/01/03          0
    0415412626                           N            01/01/33
    0

    8322637          E22/G02             F           67,000.00         ZZ
                                         360         66,939.43          1
                                       6.500            423.49         55
                                       6.250            423.49
    LOUISVILLE       KY   40299          2            12/31/02         00
    0415412642                           05           02/01/03          0
    0415412642                           N            01/01/33
    0
1

    8322639          E22/G02             F           97,600.00         ZZ
                                         360         97,511.77          1
                                       6.500            616.90         80
                                       6.250            616.90
    LOUISVILLE       KY   40299          2            12/31/02         00
    0415412667                           05           02/01/03          0
    0415412667                           N            01/01/33
    0

    8322661          E22/G02             F           46,500.00         ZZ
                                         360         46,468.00          1
                                       7.875            337.16         90
                                       7.625            337.16
    HAZEL PARK       MI   48030          1            12/31/02         04
    0415438498                           05           02/01/03         25
    0415438498                           N            01/01/33
    0

    8322665          E22/G02             F          230,000.00         ZZ
                                         360        229,786.98          2
                                       6.375          1,434.90         70
                                       6.125          1,434.90
    EVANSTON         IL   60201          5            12/27/02         00
    0415449529                           05           02/01/03          0
    0415449529                           O            01/01/33
    0

    8322685          E22/G02             F          156,750.00         ZZ
                                         360        156,608.29          1
                                       6.500            990.77         95
                                       6.250            990.77
    LA (ALTADENA)    CA   91001          5            12/13/02         04
    0415490945                           05           02/01/03         30
    0415490945                           O            01/01/33
    0

    8322695          E22/G02             F          154,400.00         ZZ
                                         360        154,263.78          1
                                       6.625            988.64         80
                                       6.375            988.64
    PISCATAWAY       NJ   08854          5            12/26/02         00
    0415503846                           05           02/01/03          0
    0415503846                           O            01/01/33
    0

    8322719          E22/G02             F          150,000.00         ZZ
                                         360        149,867.65          1
1

                                       6.625            960.47         80
                                       6.375            960.47
    EPPING           NH   03042          5            12/26/02         00
    0415556604                           05           02/01/03          0
    0415556604                           O            01/01/33
    0

    8322773          E22/G02             F          178,000.00         ZZ
                                         360        177,831.10          1
                                       6.250          1,095.98         78
                                       6.000          1,095.98
    EL PASO          TX   79936          2            12/26/02         00
    0415614536                           05           02/01/03          0
    0415614536                           O            01/01/33
    0

    8322815          E22/G02             F           76,000.00         ZZ
                                         360         75,931.30          1
                                       6.500            480.37         89
                                       6.250            480.37
    GUTHRIE          OK   73044          2            12/26/02         01
    0415625342                           05           02/01/03         30
    0415625342                           O            01/01/33
    0

    8322841          E22/G02             F          153,000.00         ZZ
                                         360        152,877.65          1
                                       7.125          1,030.79         90
                                       6.875          1,030.79
    SOUTH ELGIN      IL   60177          5            12/27/02         04
    0415648526                           05           02/01/03         25
    0415648526                           O            01/01/33
    0

    8322853          E22/G02             F          200,000.00         ZZ
                                         360        199,805.61          1
                                       6.125          1,215.22         80
                                       5.875          1,215.22
    HAMPTON COVE     AL   35763          1            12/31/02         00
    0415660265                           03           02/01/03          0
    0415660265                           O            01/01/33
    0

    8322869          E22/G02             F           53,250.00         ZZ
                                         360         53,208.46          1
                                       7.250            363.26         75
                                       7.000            363.26
    LA MARQUE        TX   77568          5            12/27/02         00
    0415696475                           05           02/01/03          0
1

    0415696475                           N            01/01/33
    0

    8322873          E22/G02             F          178,100.00         ZZ
                                         360        177,935.05          1
                                       6.375          1,111.11         55
                                       6.125          1,111.11
    FORT LAUDERDALE  FL   33306          5            12/27/02         00
    0415701283                           05           02/01/03          0
    0415701283                           O            01/01/33
    0

    8322875          E22/G02             F          148,500.00         ZZ
                                         360        148,384.16          1
                                       7.250          1,013.03         80
                                       7.000          1,013.03
    EVANS            CO   80620          1            12/30/02         00
    0415703826                           03           02/01/03          0
    0415703826                           O            01/01/33
    0

    8322881          E22/G02             F          281,000.00         ZZ
                                         360        280,745.97          1
                                       6.500          1,776.11         86
                                       6.250          1,776.11
    AIKEN            SC   29803          5            12/16/02         10
    0415707835                           05           02/01/03         25
    0415707835                           O            01/01/33
    0

    8322895          E22/G02             F           40,400.00         ZZ
                                         360         40,368.48          1
                                       7.250            275.60         80
                                       7.000            275.60
    DEARBORN         MI   48125          1            12/31/02         00
    0415712645                           05           02/01/03          0
    0415712645                           N            01/01/33
    0

    8322897          E22/G02             F          122,500.00         T
                                         360        122,386.54          1
                                       6.375            764.24         72
                                       6.125            764.24
    SALISBURY        CT   06068          1            12/31/02         00
    0415714401                           05           02/01/03          0
    0415714401                           O            01/01/33
    0

1

    8322941          E22/G02             F          198,000.00         ZZ
                                         360        197,821.01          4
                                       6.500          1,251.49         90
                                       6.250          1,251.49
    ALBUQUERQUE      NM   87112          1            12/31/02         04
    0415750033                           05           02/01/03         25
    0415750033                           O            01/01/33
    0

    8322951          E22/G02             F          158,400.00         ZZ
                                         360        158,256.80          1
                                       6.500          1,001.20         80
                                       6.250          1,001.20
    MANTECA          CA   95337          1            12/27/02         00
    0415758655                           05           02/01/03          0
    0415758655                           O            01/01/33
    0

    8322957          E22/G02             F           61,600.00         ZZ
                                         360         61,545.65          1
                                       6.625            394.43         80
                                       6.375            394.43
    HAZEL CREST      IL   60429          1            12/31/02         00
    0415762541                           05           02/01/03          0
    0415762541                           O            01/01/33
    0

    8322979          E22/G02             F          145,500.00         ZZ
                                         360        145,500.00          1
                                       6.500            919.66         91
                                       6.250            919.66
    RENO             NV   89502          1            12/27/02         04
    0415795681                           05           03/01/03         30
    0415795681                           O            02/01/33
    0

    8323133          X67/G02             F           80,000.00         ZZ
                                         360         79,927.68          1
                                       6.500            505.65         70
                                       6.250            505.65
    PALMDALE         CA   93550          5            12/10/02         00
    0435180229                           05           02/01/03          0
    00281330                             N            01/01/33
    0

    8323259          X67/G02             F          200,000.00         ZZ
                                         360        199,814.76          1
                                       6.375          1,247.74         37
                                       6.125          1,247.74
1

    GLENDALE         CA   91206          5            12/20/02         00
    0435293964                           05           02/01/03          0
    00281912                             O            01/01/33
    0

    8324019          950/G02             F           65,000.00         ZZ
                                         360         64,941.24          1
                                       6.500            410.84         28
                                       6.250            410.84
    SANTA MARIA      CA   93458          5            12/10/02         00
    0435216635                           03           02/01/03          0
    E7210186                             O            01/01/33
    0

    8324133          A06/G02             F          148,000.00         ZZ
                                         360        147,866.20          1
                                       6.500            935.47         80
                                       6.250            935.47
    WEST BLOOMFIELD  MI   48322          1            12/30/02         00
    0435168174                           05           02/01/03          0
    021000020228523                      O            01/01/33
    0

    8324135          975/G02             F          240,000.00         ZZ
                                         360        239,777.71          1
                                       6.375          1,497.29         80
                                       6.125          1,497.29
    LOS ANGELES      CA   90006          1            12/24/02         00
    0435186549                           05           02/01/03          0
    2025580                              O            01/01/33
    0

    8324141          975/G02             F          220,000.00         ZZ
                                         360        219,801.12          1
                                       6.500          1,390.55         80
                                       6.250          1,390.55
    CORONA           CA   92882          5            12/18/02         00
    0435179163                           05           02/01/03          0
    2025648                              O            01/01/33
    0

    8324215          P67/G02             F          409,500.00         ZZ
                                         360        409,147.43          2
                                       6.750          2,656.01         70
                                       6.500          2,656.01
    JAMAICA PLAIN    MA   02130          5            12/30/02         00
    0435195722                           05           02/01/03          0
    660357                               O            01/01/33
    0
1

    8324251          588/G02             F          152,000.00         ZZ
                                         360        151,862.59          1
                                       6.500            960.74         80
                                       6.250            960.74
    WEST MILFORD     NJ   07421          5            12/04/02         00
    0435265400                           03           02/01/03          0
    1081930                              O            01/01/33
    0

    8324265          X80/G02             F          400,000.00         ZZ
                                         360        399,629.52          1
                                       6.375          2,495.48         75
                                       6.125          2,495.48
    ORANGE           CA   92869          5            12/12/02         00
    0435202700                           05           02/01/03          0
    1410087316                           O            01/01/33
    0

    8324299          W34/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       6.375          1,622.06         85
                                       6.125          1,622.06
    PATAGONIA        AZ   85624          5            12/28/02         10
    0435195029                           05           03/01/03         12
    7616324                              O            02/01/33
    0

    8324329          L21/G02             F          139,000.00         ZZ
                                         360        138,888.84          1
                                       7.125            936.47         36
                                       6.875            936.47
    FARMINGDALE      NY   11735          2            12/19/02         00
    0435169289                           05           02/01/03          0
    70302550                             N            01/01/33
    0

    8324375          X27/G02             F          166,500.00         ZZ
                                         360        166,349.49          1
                                       6.500          1,052.39         73
                                       6.250          1,052.39
    PICO RIVERA      CA   90660          2            12/05/02         00
    0435174610                           05           02/01/03          0
    10000495                             O            01/01/33
    0

    8324467          N47/G02             F          440,000.00         ZZ
                                         360        439,582.51          1
1

                                       6.250          2,709.16         80
                                       6.000          2,709.16
    SAN DIEGO        CA   92130          5            12/19/02         00
    0435213715                           03           02/01/03          0
    30500758                             O            01/01/33
    0

    8324745          U19/G02             F          353,000.00         ZZ
                                         360        352,703.44          1
                                       6.875          2,318.96         74
                                       6.625          2,318.96
    AURORA           CO   80016          1            12/13/02         00
    0435228473                           03           02/01/03          0
    88041208                             N            01/01/33
    0

    8324977          L33/G02             F           99,000.00         ZZ
                                         360         99,000.00          1
                                       6.375            617.63         87
                                       6.125            617.63
    WICHITA          KS   67212          5            12/27/02         04
    0435155742                           05           03/01/03         25
    0010044097                           O            02/01/33
    0

    8325341          N74/G02             F          126,000.00         ZZ
                                         360        125,874.57          1
                                       6.000            755.43         90
                                       5.750            755.43
    SUMMERFIELD      NC   27358          5            12/26/02         10
    0435166368                           05           02/01/03         25
    0031436010                           O            01/01/33
    0

    8325353          M37/G02             F          400,000.00         ZZ
                                         360        399,647.09          1
                                       6.625          2,561.24         63
                                       6.375          2,561.24
    PRESCOTT         AZ   86305          5            12/17/02         00
    0435211032                           05           02/01/03          0
    610258                               O            01/01/33
    0

    8325405          M24/G02             F          650,000.00         ZZ
                                         360        649,440.36          1
                                       6.750          4,215.89         69
                                       6.500          4,215.89
    CANYON LAKE      CA   92587          5            12/13/02         00
    0435226360                           03           02/01/03          0
1

    264106781                            O            01/01/33
    0

    8325483          N74/G02             F           76,000.00         ZZ
                                         240         75,864.85          1
                                       7.625            618.07         80
                                       7.375            618.07
    SHERWOOD         AR   72120          5            12/27/02         00
    0435183660                           05           02/02/03          0
    0031440010                           O            01/02/23
    0

    8325611          N74/G02             F          143,000.00         ZZ
                                         360        142,857.64          1
                                       6.000            857.36         90
                                       5.750            857.36
    AXTON            VA   24054          5            12/27/02         10
    0435180435                           05           02/02/03         25
    0031447010                           O            01/02/33
    0

    8325677          R65/G02             F          125,000.00         ZZ
                                         240        124,741.27          1
                                       6.375            922.79         56
                                       6.125            922.79
    ARLINGTON        VA   22204          5            12/10/02         00
    0435185137                           07           02/01/03          0
    4196327238                           O            01/01/23
    0

    8325699          F89/G02             F          180,000.00         ZZ
                                         360        179,833.28          1
                                       6.375          1,122.97         80
                                       6.125          1,122.97
    MORENO VALLEY    CA   92555          5            12/10/02         00
    0435294467                           05           02/01/03          0
    12125696                             O            01/01/33
    0

    8325783          E47/G02             F          460,000.00         ZZ
                                         360        459,594.15          1
                                       6.625          2,945.43         85
                                       6.375          2,945.43
    ANAHEIM          CA   92808          2            12/16/02         11
    0435282686                           05           02/01/03         12
    7333012837                           O            01/01/33
    0

1

    8326409          E22/G02             F          144,000.00         ZZ
                                         360        143,887.67          1
                                       7.250            982.33         80
                                       7.000            982.33
    LAKEVILLE        CT   06039          5            12/27/02         00
    0415451228                           05           02/01/03          0
    0415451228                           O            01/01/33
    0

    8326433          E22/G02             F          424,000.00         ZZ
                                         360        423,616.70          1
                                       6.500          2,679.97         80
                                       6.250          2,679.97
    OAKTON           VA   22124          2            12/20/02         00
    0415542158                           03           02/01/03          0
    0415542158                           O            01/01/33
    0

    8326483          E22/G02             F          224,000.00         ZZ
                                         360        223,787.46          1
                                       6.250          1,379.21         80
                                       6.000          1,379.21
    DALLAS           TX   75231          5            12/27/02         00
    0415646173                           05           02/01/03          0
    0415646173                           O            01/01/33
    0

    8326501          E22/G02             F          152,750.00         ZZ
                                         360        152,624.79          4
                                       7.000          1,016.25         65
                                       6.750          1,016.25
    FRESNO           CA   93703          1            12/13/02         00
    0415681998                           05           02/01/03          0
    0415681998                           N            01/01/33
    0

    8326503          E22/G02             F          148,750.00         ZZ
                                         360        148,750.00          1
                                       6.375            928.01         85
                                       6.125            928.01
    MIDDLETON        ID   83644          5            12/26/02         10
    0415683275                           05           03/01/03         12
    0415683275                           O            02/01/33
    0

    8326517          E22/G02             F           80,000.00         ZZ
                                         240         80,000.00          2
                                       6.500            596.46         68
                                       6.250            596.46
1

    ELYRIA           OH   44035          5            01/02/03         00
    0415704790                           05           03/01/03          0
    0415704790                           N            02/01/23
    0

    8326525          E22/G02             F          165,600.00         ZZ
                                         360        165,453.90          1
                                       6.625          1,060.35         80
                                       6.375          1,060.35
    HOUSTON          TX   77096          5            12/27/02         00
    0415710474                           03           02/01/03          0
    0415710474                           O            01/01/33
    0

    8326577          E22/G02             F          176,400.00         ZZ
                                         360        176,258.94          4
                                       7.125          1,188.44         90
                                       6.875          1,188.44
    FARMINGTON       NM   87401          1            12/31/02         04
    0415750991                           05           02/01/03         25
    0415750991                           N            01/01/33
    0

    8326595          E22/G02             F          183,000.00         ZZ
                                         360        182,834.57          1
                                       6.500          1,156.68         26
                                       6.250          1,156.68
    SAN FRANCISCO    CA   94122          2            12/26/02         00
    0415794080                           07           02/01/03          0
    0415794080                           N            01/01/33
    0

    8326597          E22/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.875          3,284.64         75
                                       6.625          3,284.64
    SAN JOSE         CA   95129          5            12/26/02         00
    0415797711                           05           03/01/03          0
    0415797711                           O            02/01/33
    0

    8326617          E82/G02             F           62,500.00         ZZ
                                         360         62,500.00          1
                                       7.500            437.01         63
                                       7.250            437.01
    CASTLE ROCK      WA   98611          2            01/03/03         00
    0400730818                           05           03/01/03          0
    0400730818                           N            02/01/33
    0
1

    8326631          E82/G02             F           65,000.00         ZZ
                                         360         65,000.00          1
                                       6.750            421.59         47
                                       6.500            421.59
    LITHONIA         GA   30038          2            01/03/03         00
    0400743787                           05           03/01/03          0
    1744838                              N            02/01/33
    0

    8328117          F89/G02             F          400,000.00         ZZ
                                         360        399,629.52          1
                                       6.375          2,495.48         79
                                       6.125          2,495.48
    AGUA DULCE       CA   91390          5            12/18/02         00
    0435208681                           05           02/01/03          0
    16726375                             O            01/01/33
    0

    8328149          X13/G02             F          237,000.00         ZZ
                                         360        236,775.12          1
                                       6.250          1,459.25         79
                                       6.000          1,459.25
    SOUTHBURY        CT   06488          5            12/16/02         00
    0435291729                           05           02/01/03          0
    0652340                              O            01/01/33
    0

    8328277          W17/G02             F          108,000.00         ZZ
                                         360        107,917.82          1
                                       7.375            745.93         80
                                       7.125            745.93
    OPA LOCKA        FL   33056          1            12/18/02         00
    0435228911                           05           02/01/03          0
    020393                               O            01/01/33
    0

    8328509          A21/G02             F          173,000.00         ZZ
                                         360        172,854.66          2
                                       6.875          1,136.49         77
                                       6.625          1,136.49
    GARFIELD         NJ   07026          5            12/20/02         00
    0435198304                           05           02/01/03          0
    7770000427                           O            01/01/33
    0

    8328551          L16/G02             F          135,000.00         ZZ
                                         360        134,902.29          4
1

                                       7.625            955.52         90
                                       7.375            955.52
    BAKERSFIELD      CA   93305          1            12/23/02         04
    0435293980                           05           02/01/03         25
    7309                                 N            01/01/33
    0

    8328595          940/G02             F          236,800.00         ZZ
                                         360        236,585.93          1
                                       6.500          1,496.74         80
                                       6.250          1,496.74
    CHINO            CA   91710          1            12/20/02         00
    0435185319                           05           02/01/03          0
    40021200                             O            01/01/33
    0

    8328673          N47/G02             F          444,000.00         ZZ
                                         360        443,588.77          1
                                       6.375          2,769.98         80
                                       6.125          2,769.98
    SAN JOSE         CA   95111          2            12/19/02         00
    0435262977                           05           02/01/03          0
    20500929                             O            01/01/33
    0

    8328751          E47/G02             F           84,000.00         T
                                         360         83,922.20          1
                                       6.375            524.05         70
                                       6.125            524.05
    BIG BEAR LAKE    CA   92315          1            12/16/02         00
    0435150149                           05           02/01/03          0
    7331014797                           O            01/01/33
    0

    8329009          N47/G02             F          369,600.00         ZZ
                                         360        369,257.68          1
                                       6.375          2,305.82         80
                                       6.125          2,305.82
    SAN JOSE         CA   95115          2            12/18/02         00
    0435213269                           05           02/01/03          0
    20500814                             O            01/01/33
    0

    8329071          K60/G02             F           78,850.00         ZZ
                                         360         78,785.37          1
                                       7.000            524.59         95
                                       6.750            524.59
    NORTH VERSAILLI  PA   15137          5            12/10/02         04
    0435174255                           05           02/01/03         30
1

    72550                                O            01/01/33
    0

    8329147          A35/G02             F          400,000.00         ZZ
                                         360        399,611.23          1
                                       6.125          2,430.44         62
                                       5.875          2,430.44
    HUNTINGTON       NY   11743          5            12/20/02         00
    0435191713                           05           02/01/03          0
    S14270                               O            01/01/33
    0

    8329165          P09/G02             F          116,250.00         ZZ
                                         360        116,145.92          1
                                       6.550            738.61         93
                                       6.300            738.61
    YORKTOWN         VA   23693          2            12/27/02         10
    0435235569                           09           02/01/03         30
    R0211110                             O            01/01/33
    0

    8329239          U35/G02             F           39,150.00         ZZ
                                         360         39,121.67          2
                                       7.625            277.10         79
                                       7.375            277.10
    GARY             IN   46409          1            12/31/02         01
    0435221536                           05           02/01/03         25
    0007597555                           N            01/01/33
    0

    8329251          U35/G02             F          238,000.00         ZZ
                                         360        238,000.00          1
                                       6.500          1,504.32         85
                                       6.250          1,504.32
    FONTANA          CA   92336          5            12/31/02         01
    0435195649                           05           03/01/03         12
    0007615822                           O            02/01/33
    0

    8329267          W34/G02             F          448,000.00         ZZ
                                         360        448,000.00          1
                                       6.375          2,794.94         80
                                       6.125          2,794.94
    SANTA CLARA      CA   95051          5            12/30/02         00
    0435190301                           05           03/01/03          0
    566315194                            O            02/01/33
    0

1

    8329279          W02/G02             F          130,500.00         ZZ
                                         360        130,239.51          1
                                       6.000            782.42         90
                                       5.750            782.42
    FORT PIERCE      FL   34946          5            11/25/02         26
    0435203732                           05           01/01/03         25
    1001601764                           O            12/01/32
    0

    8329721          E22/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       7.000            532.24         77
                                       6.750            532.24
    GRAND RAPIDS     MI   49505          5            01/03/03         00
    0415649706                           05           03/01/03          0
    0415649706                           N            02/01/33
    0

    8329723          E22/G02             F          133,000.00         ZZ
                                         360        133,000.00          1
                                       6.125            808.12         79
                                       5.875            808.12
    SACRAMENTO       CA   95838          5            12/27/02         00
    0415651256                           05           03/01/03          0
    0415651256                           O            02/01/33
    0

    8329747          E82/G02             F          249,200.00         ZZ
                                         360        249,200.00          1
                                       6.375          1,554.68         80
                                       6.125          1,554.68
    CONIFER          CO   80433          5            12/31/02         00
    0400742060                           05           03/01/03          0
    0400742060                           O            02/01/33
    0

    8329763          E82/G02             F          148,900.00         ZZ
                                         360        148,900.00          4
                                       6.750            965.76         79
                                       6.500            965.76
    PHOENIX          AZ   85008          2            01/03/03         00
    0400755914                           05           03/01/03          0
    3968357                              N            02/01/33
    0

    8329765          E22/G02             F          199,200.00         ZZ
                                         360        199,200.00          2
                                       6.625          1,275.50         80
                                       6.375          1,275.50
1

    AUBURN           CA   95603          1            12/26/02         00
    0415714724                           05           03/01/03          0
    0415714724                           N            02/01/33
    0

    8329767          E82/G02             F          148,800.00         ZZ
                                         360        148,800.00          4
                                       6.750            965.11         79
                                       6.500            965.11
    PHOENIX          AZ   85008          2            01/03/03         00
    0400755872                           05           03/01/03          0
    4019054                              N            02/01/33
    0

    8329771          E22/G02             F           58,500.00         ZZ
                                         360         58,500.00          2
                                       6.750            379.43         90
                                       6.500            379.43
    KANSAS CITY      KS   66104          1            01/03/03         04
    0415723980                           05           03/01/03         25
    0415723980                           N            02/01/33
    0

    8329791          E22/G02             F          260,000.00         ZZ
                                         360        260,000.00          4
                                       6.375          1,622.06         80
                                       6.125          1,622.06
    COLORADO SPRING  CO   80917          1            01/03/03         00
    0415781194                           05           03/01/03          0
    0415781194                           O            02/01/33
    0

    8329811          E82/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.375            673.78         71
                                       6.125            673.78
    INDIAN RIVER     MI   49749          2            12/30/02         00
    0400755799                           05           03/01/03          0
    5141672                              O            02/01/33
    0

    8329819          E82/G02             F           95,000.00         ZZ
                                         360         95,000.00          2
                                       6.625            608.30         76
                                       6.375            608.30
    REDMOND          OR   97756          2            01/07/03         00
    0400763918                           05           03/01/03          0
    5407488                              N            02/01/33
    0
1

    8329827          E22/G02             F          141,600.00         ZZ
                                         360        141,478.09          1
                                       6.750            918.41         80
                                       6.500            918.41
    ROLLING MEADOWS  IL   60008          1            01/03/03         00
    0415802545                           05           02/01/03          0
    0415802545                           O            01/01/33
    0

    8329835          E82/G02             F          495,500.00         ZZ
                                         360        495,500.00          1
                                       6.500          3,131.90         61
                                       6.250          3,131.90
    MOUNTAIN VIEW    CA   94040          5            12/27/02         00
    0400753364                           05           03/01/03          0
    0400753364                           O            02/01/33
    0

    8329847          E82/G02             F          130,800.00         ZZ
                                         360        130,800.00          1
                                       6.375            816.02         78
                                       6.125            816.02
    FREDERICKSBURG   VA   22405          2            12/30/02         00
    0400572465                           03           03/01/03          0
    1688834                              O            02/01/33
    0

    8330181          W40/G02             F          186,500.00         ZZ
                                         360        186,339.42          1
                                       6.750          1,209.64         85
                                       6.500          1,209.64
    SOUTHFIELD       MI   48076          5            12/27/02         01
    0435197595                           05           02/01/03         12
    101014092                            O            01/01/33
    0

    8330211          U42/G02             F          108,720.00         ZZ
                                         360        108,626.39          1
                                       6.750            705.16         80
                                       6.500            705.16
    ARLINGTON        TX   76017          1            12/18/02         00
    0435159223                           05           02/01/03          0
    24201679                             O            01/01/33
    0

    8330271          Q73/G02             F           68,875.00         ZZ
                                         360         68,811.21          1
1

                                       6.375            429.69         95
                                       6.125            429.69
    HUMBOLDT         TN   38343          1            12/31/02         01
    0435227947                           05           02/01/03         30
    3017553                              O            01/01/33
    0

    8330283          W02/G02             F           96,800.00         ZZ
                                         360         96,714.59          1
                                       6.625            619.83         80
                                       6.375            619.83
    ORLANDO          FL   32810          5            12/16/02         00
    0435249974                           05           02/01/03          0
    1001850965                           O            01/01/33
    0

    8330343          X89/G02             F          401,000.00         ZZ
                                         360        400,290.45          1
                                       6.625          2,567.65         73
                                       6.375          2,567.65
    ANAHEIM          CA   92807          5            11/09/02         00
    0435189071                           03           01/01/03          0
    0100238290                           O            12/01/32
    0

    8330363          N74/G02             F           97,600.00         ZZ
                                         360         97,507.39          1
                                       6.250            600.94         80
                                       6.000            600.94
    STUARTS DRAFT    VA   24477          5            12/31/02         00
    0435183348                           05           02/06/03          0
    0031470010                           O            01/06/33
    0

    8330515          A50/G02             F          192,000.00         ZZ
                                         360        191,817.82          1
                                       6.250          1,182.18         80
                                       6.000          1,182.18
    NORTHPORT        AL   35473          2            12/27/02         00
    0435272612                           05           02/01/03          0
    879179                               O            01/01/33
    0

    8330533          M37/G02             F           77,520.00         T
                                         360         77,448.21          1
                                       6.375            483.62         80
                                       6.125            483.62
    PHOENIX          AZ   85020          1            12/27/02         00
    0435228408                           09           02/01/03          0
1

    610796                               O            01/01/33
    0

    8330893          G34/G02             F           42,400.00         ZZ
                                         360         42,364.38          1
                                       6.875            278.54         80
                                       6.625            278.54
    SAN ANTONIO      TX   78224          5            12/26/02         00
    0435229422                           05           02/01/03          0
    85209914                             N            01/01/33
    0

    8330949          N47/G02             F          595,000.00         ZZ
                                         360        594,448.91          1
                                       6.375          3,712.03         75
                                       6.125          3,712.03
    WALNUT CREEK     CA   94596          2            12/17/02         00
    0435191812                           05           02/01/03          0
    90500282                             O            01/01/33
    0

    8331003          N47/G02             F          400,400.00         ZZ
                                         360        400,029.15          1
                                       6.375          2,497.98         65
                                       6.125          2,497.98
    SAN JOSE         CA   95132          5            12/17/02         00
    0435226501                           05           02/01/03          0
    20501391                             O            01/01/33
    0

    8331005          G34/G02             F          400,000.00         ZZ
                                         360        399,638.40          1
                                       6.500          2,528.27         80
                                       6.250          2,528.27
    ARLINGTON        TX   76017          1            12/19/02         00
    0435315817                           05           02/01/03          0
    85210764                             O            01/01/33
    0

    8331007          588/G02             F          103,500.00         ZZ
                                         360        103,317.66          1
                                       6.750            671.30         90
                                       6.500            671.30
    BOROUGH OF HONE  PA   19344          1            11/21/02         01
    0435319736                           05           01/01/03         25
    1080656                              O            12/01/32
    0

1

    8331139          W02/G02             F           56,050.00         ZZ
                                         360         56,004.05          1
                                       7.000            372.91         95
                                       6.750            372.91
    BRISTOL          TN   37620          5            12/12/02         28
    0435305958                           05           02/01/03         30
    1001806942                           O            01/01/33
    0

    8331157          N74/G02             F          143,000.00         ZZ
                                         360        142,870.72          1
                                       6.500            903.86         69
                                       6.250            903.86
    SILVER SPRING    MD   20906          5            12/23/02         00
    0435182621                           05           02/01/03          0
    3300010183                           O            01/01/33
    0

    8331163          E44/G02             F          152,250.00         ZZ
                                         360        152,102.02          1
                                       6.125            925.09         90
                                       5.875            925.09
    WEST JORDAN      UT   84084          1            12/27/02         14
    0435227665                           01           02/01/03         25
    59020049                             O            01/01/33
    0

    8331175          Q30/G02             F          288,000.00         ZZ
                                         360        287,758.05          1
                                       6.875          1,891.95         90
                                       6.625          1,891.95
    BROOKFIELD       CT   06804          1            12/20/02         12
    0435229869                           05           02/01/03         30
    21019336                             O            01/01/33
    0

    8331667          A46/G02             F          174,800.00         ZZ
                                         360        174,656.72          1
                                       7.000          1,162.95         95
                                       6.750          1,162.95
    HOUSTON          TX   77062          1            12/17/02         04
    0435175179                           03           02/01/03         35
    0290960                              O            01/01/33
    0

    8331677          P30/G02             F          107,900.00         ZZ
                                         360        107,797.62          1
                                       6.250            664.36         80
                                       6.000            664.36
1

    GREENSBORO       NC   27410          1            12/31/02         00
    0435193065                           05           02/01/03          0
    022681                               O            01/01/33
    0

    8331817          E45/G02             F          198,200.00         ZZ
                                         360        197,315.94          1
                                       6.625          1,269.10         67
                                       6.375          1,269.10
    ATLANTA          GA   30360          2            08/02/02         00
    0435254016                           05           10/01/02          0
    225886                               N            09/01/32
    0

    8331933          G51/G02             F          120,000.00         ZZ
                                         360        119,891.51          1
                                       6.500            758.49         78
                                       6.250            758.49
    WESTMINSTER      CO   80030          5            12/31/02         00
    0435218805                           05           02/01/03          0
    20003267                             O            01/01/33
    0

    8331975          M18/G02             F          300,000.00         ZZ
                                         360        299,708.42          1
                                       6.125          1,822.83         85
                                       5.875          1,822.83
    LOS ANGELES      CA   91342          1            12/18/02         11
    0435262829                           05           02/01/03         12
    980102165                            O            01/01/33
    0

    8331979          X51/G02             F          544,000.00         ZZ
                                         360        544,000.00          1
                                       6.250          3,349.50         80
                                       6.000          3,349.50
    SAN DIEGO        CA   92130          5            12/31/02         00
    0435150651                           03           03/01/03          0
    2054487                              O            02/01/33
    0

    8332022          L20/G02             F          234,555.00         ZZ
                                         360        233,988.95          1
                                       7.125          1,580.24         95
                                       6.875          1,580.24
    LAYTON           UT   84040          1            10/15/02         14
    0434820973                           05           12/01/02         30
    1061030028                           O            11/01/32
    0
1

    8333689          X31/G02             F          134,500.00         ZZ
                                         360        134,384.20          1
                                       6.750            872.36         74
                                       6.500            872.36
    LOS ANGELES      CA   90037          5            12/19/02         00
    0435273230                           05           02/01/03          0
    40105083                             O            01/01/33
    0

    8334133          U19/G02             F           97,500.00         T
                                         360         97,335.69          1
                                       6.875            640.51         75
                                       6.625            640.51
    PROVO            CO   84604          1            12/03/02         00
    0435290630                           01           01/01/03          0
    0211310154                           O            12/01/32
    0

    8334837          M07/G02             F          157,500.00         ZZ
                                         360        157,370.90          1
                                       7.000          1,047.85         90
                                       6.750          1,047.85
    VICTORVILLE      CA   92392          1            12/17/02         10
    0435218722                           05           02/01/03         25
    02211387                             O            01/01/33
    0

    8335579          E82/G02             F           77,700.00         ZZ
                                         360         77,700.00          2
                                       6.500            491.12         65
                                       6.250            491.12
    DALLAS           GA   30132          2            01/02/03         00
    0400738241                           05           03/01/03          0
    2855847                              N            02/01/33
    0

    8335583          E82/G02             F          111,000.00         ZZ
                                         360        111,000.00          1
                                       6.375            692.50         60
                                       6.125            692.50
    BLACK HAWK       CO   80422          2            01/03/03         00
    0400747424                           05           03/01/03          0
    2823867                              O            02/01/33
    0

    8335601          E82/G02             F          151,250.00         ZZ
                                         360        151,250.00          3
1

                                       6.375            943.60         55
                                       6.125            943.60
    LOS ANGELES      CA   90056          2            01/02/03         00
    0400747861                           05           03/01/03          0
    1875128                              N            02/01/33
    0

    8335653          E22/G02             F          132,900.00         ZZ
                                         360        132,779.86          1
                                       6.500            840.02         80
                                       6.250            840.02
    ROCKWALL         TX   75032          5            12/30/02         00
    0413143132                           03           02/01/03          0
    0413143132                           O            01/01/33
    0

    8335663          E22/G02             F           27,000.00         ZZ
                                         360         26,980.94          1
                                       7.750            193.43         52
                                       7.500            193.43
    MIAMI            FL   33156          5            01/06/03         00
    0414959023                           06           02/01/03          0
    0414959023                           N            01/01/33
    0

    8335665          E22/G02             F          104,000.00         ZZ
                                         360        103,908.25          1
                                       6.625            665.92         70
                                       6.375            665.92
    FRANKLIN         CT   06254          5            12/30/02         00
    0415017078                           05           02/01/03          0
    0415017078                           O            01/01/33
    0

    8335669          E22/G02             F           50,400.00         ZZ
                                         360         50,364.43          2
                                       7.750            361.07         90
                                       7.500            361.07
    TAMPA            FL   33611          1            01/06/03         04
    0415184456                           05           02/01/03         25
    0415184456                           N            01/01/33
    0

    8335671          E22/G02             F           50,400.00         ZZ
                                         360         50,364.43          2
                                       7.750            361.07         90
                                       7.500            361.07
    TAMPA            FL   33612          1            01/06/03         04
    0415184647                           05           02/01/03         25
1

    0415184647                           N            01/01/33
    0

    8335673          E22/G02             F           72,000.00         ZZ
                                         360         71,949.18          2
                                       7.750            515.82         90
                                       7.500            515.82
    TAMPA            FL   33612          1            01/06/03         04
    0415184761                           05           02/01/03         25
    0415184761                           N            01/01/33
    0

    8335689          E22/G02             F           56,250.00         ZZ
                                         360         56,250.00          1
                                       6.375            350.93         75
                                       6.125            350.93
    JACKSONVILLE     FL   32205          5            01/06/03         00
    0415370931                           05           03/01/03          0
    0415370931                           N            02/01/33
    0

    8335697          E22/G02             F           78,500.00         ZZ
                                         360         78,425.51          1
                                       6.250            483.34         76
                                       6.000            483.34
    CAMANCHE         IA   52730          2            12/31/02         00
    0415449099                           05           02/01/03          0
    0415449099                           O            01/01/33
    0

    8335705          E22/G02             F           58,000.00         ZZ
                                         360         57,946.29          1
                                       6.375            361.84         71
                                       6.125            361.84
    BALTIMORE        MD   21222          2            12/30/02         00
    0415478502                           07           02/01/03          0
    0415478502                           O            01/01/33
    0

    8335747          E22/G02             F          123,250.00         ZZ
                                         360        123,135.85          1
                                       6.375            768.92         85
                                       6.125            768.92
    HAYDEN           AL   35079          5            12/31/02         01
    0415573765                           05           02/01/03         12
    0415573765                           O            01/01/33
    0

1

    8335773          E22/G02             F          320,000.00         ZZ
                                         360        319,731.16          2
                                       6.875          2,102.17         80
                                       6.625          2,102.17
    BRAINTREE        MA   02184          5            12/30/02         00
    0415618172                           05           02/01/03          0
    0415618172                           O            01/01/33
    0

    8335809          E22/G02             F          334,000.00         ZZ
                                         360        333,719.40          2
                                       6.875          2,194.14         79
                                       6.625          2,194.14
    FAIRVIEW         NJ   07022          5            12/31/02         00
    0415684653                           05           02/01/03          0
    0415684653                           O            01/01/33
    0

    8335831          E22/G02             F          324,500.00         ZZ
                                         360        324,220.61          1
                                       6.750          2,104.70         75
                                       6.500          2,104.70
    AUSTIN           TX   78703          5            12/23/02         00
    0415714047                           05           02/01/03          0
    0415714047                           O            01/01/33
    0

    8335855          E22/G02             F          188,000.00         ZZ
                                         360        188,000.00          1
                                       6.250          1,157.55         79
                                       6.000          1,157.55
    CITRUS HEIGHTS   CA   95610          5            12/29/02         00
    0415725555                           05           03/01/03          0
    0415725555                           O            02/01/33
    0

    8335863          E22/G02             F           88,700.00         ZZ
                                         360         88,621.74          1
                                       6.625            567.96         74
                                       6.375            567.96
    HOUSTON          TX   77080          5            12/31/02         00
    0415741222                           05           02/01/03          0
    0415741222                           O            01/01/33
    0

    8335983          E22/G02             F           99,000.00         ZZ
                                         360         98,930.12          4
                                       7.750            709.25         90
                                       7.500            709.25
1

    CHALMETTE        LA   70043          1            01/06/03         01
    0415753490                           05           02/01/03         25
    0415753490                           N            01/01/33
    0

    8335993          E22/G02             F          212,000.00         ZZ
                                         360        212,000.00          1
                                       6.500          1,339.98         80
                                       6.250          1,339.98
    BIRMINGHAM       AL   35223          5            12/31/02         00
    0415762350                           05           03/01/03          0
    0415762350                           O            02/01/33
    0

    8335999          E22/G02             F          184,000.00         ZZ
                                         360        183,845.42          1
                                       6.875          1,208.75         77
                                       6.625          1,208.75
    FENTON           MI   48430          2            12/31/02         00
    0415768357                           05           02/01/03          0
    0415768357                           O            01/01/33
    0

    8336007          E22/G02             F           99,000.00         ZZ
                                         360         99,000.00          4
                                       7.750            709.25         90
                                       7.500            709.25
    CHALMETTE        LA   70043          1            01/06/03         01
    0415772102                           05           03/01/03         25
    0415772102                           N            02/01/33
    0

    8336013          E22/G02             F          332,500.00         ZZ
                                         360        332,206.65          1
                                       6.625          2,129.03         74
                                       6.375          2,129.03
    LAKE IN THE HIL  IL   60156          5            12/30/02         00
    0415781715                           05           02/01/03          0
    0415781715                           O            01/01/33
    0

    8336019          E22/G02             F          103,500.00         ZZ
                                         360        103,500.00          2
                                       6.625            662.72         72
                                       6.375            662.72
    AURORA           CO   80010          2            01/06/03         00
    0415790245                           05           03/01/03          0
    0415790245                           N            02/01/33
    0
1

    8336023          E22/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       6.500          1,112.44         80
                                       6.250          1,112.44
    VISALIA          CA   93292          5            12/30/02         00
    0415797240                           05           03/01/03          0
    0415797240                           O            02/01/33
    0

    8336027          E22/G02             F          235,000.00         ZZ
                                         360        234,782.35          1
                                       6.375          1,466.09         38
                                       6.125          1,466.09
    CAPE CORAL       FL   33914          5            12/31/02         00
    0415801406                           05           02/01/03          0
    0415801406                           O            01/01/33
    0

    8336375          N47/G02             F           87,750.00         ZZ
                                         360         87,672.58          1
                                       6.625            561.87         75
                                       6.375            561.87
    ATWATER          CA   95301          2            12/18/02         00
    0435296520                           05           02/01/03          0
    20501052                             N            01/01/33
    0

    8336445          U05/G02             F          128,000.00         ZZ
                                         360        127,892.46          1
                                       6.875            840.87         78
                                       6.625            840.87
    DALLAS           TX   75209          5            12/18/02         00
    0435232830                           05           02/01/03          0
    3288949                              O            01/01/33
    0

    8336641          X13/G02             F          165,000.00         ZZ
                                         360        165,000.00          1
                                       6.250          1,015.94         75
                                       6.000          1,015.94
    HANSON           MA   02341          5            12/27/02         00
    0435240502                           05           03/01/03          0
    0652345                              O            02/01/33
    0

    8336791          369/G02             F          103,200.00         ZZ
                                         360        103,104.41          1
1

                                       6.375            643.84         80
                                       6.125            643.84
    LAKESIDE         OR   97449          1            12/10/02         00
    0435265202                           05           02/01/03          0
    0074693789                           O            01/01/33
    0

    8336801          U05/G02             F          400,000.00         ZZ
                                         360        399,620.46          1
                                       6.250          2,462.87         55
                                       6.000          2,462.87
    WOODLAND HILLS   CA   91364          5            12/17/02         00
    0435322219                           05           02/01/03          0
    3267672                              O            01/01/33
    0

    8336965          642/G02             F          251,000.00         ZZ
                                         360        251,000.00          2
                                       6.500          1,586.49         60
                                       6.250          1,586.49
    WAKEFIELD        MA   01880          5            01/03/03         00
    0435194378                           05           03/01/03          0
    12216902                             O            02/01/33
    0

    8336983          X08/G02             F          181,000.00         ZZ
                                         360        180,836.38          1
                                       6.500          1,144.04         80
                                       6.250          1,144.04
    HIGHLAND         UT   84003          2            12/20/02         00
    0435193396                           05           02/01/03          0
    190ALL6012388                        O            01/01/33
    0

    8337213          X08/G02             F           50,250.00         ZZ
                                         360         50,205.66          1
                                       6.625            321.76         75
                                       6.375            321.76
    SALINA           UT   84654          2            12/24/02         00
    0435207865                           05           02/01/03          0
    2801977                              N            01/01/33
    0

    8337453          P01/G02             F          105,000.00         ZZ
                                         360        104,913.93          1
                                       7.000            698.57         79
                                       6.750            698.57
    ALBANY           NY   12208          1            12/30/02         00
    0435272075                           05           02/01/03          0
1

    02009968                             O            01/01/33
    0

    8337617          U42/G02             F           75,650.00         ZZ
                                         360         75,583.25          1
                                       6.625            484.40         85
                                       6.375            484.40
    DURANT           OK   74701          2            12/20/02         12
    0435212360                           05           02/01/03         25
    15201631                             O            01/01/33
    0

    8337771          952/G02             F          238,000.00         ZZ
                                         360        237,779.57          1
                                       6.375          1,484.81         50
                                       6.125          1,484.81
    RIDGEWOOD        NJ   07450          2            12/13/02         00
    0435228747                           05           02/01/03          0
    20028369                             O            01/01/33
    0

    8337797          S11/G02             F          320,000.00         ZZ
                                         360        319,717.67          1
                                       6.625          2,049.00         80
                                       6.375          2,049.00
    FOUNTAIN VALLEY  CA   92708          1            12/17/02         00
    0435198171                           05           02/01/03          0
    10300037                             O            01/01/33
    0

    8337817          N47/G02             F          372,000.00         ZZ
                                         360        371,655.45          1
                                       6.375          2,320.80         80
                                       6.125          2,320.80
    SAN JOSE         CA   95121          2            12/03/02         00
    0435288360                           05           02/01/03          0
    20501044                             O            01/01/33
    0

    8337893          E57/G02             F          227,000.00         ZZ
                                         360        226,794.79          2
                                       6.500          1,434.79         80
                                       6.250          1,434.79
    ANAHEIM          CA   92801          2            12/26/02         00
    0435265384                           05           02/01/03          0
    06012166                             O            01/01/33
    0

1

    8337991          X27/G02             F          173,250.00         ZZ
                                         360        173,111.45          1
                                       7.125          1,167.22         92
                                       6.875          1,167.22
    SACRAMENTO AREA  CA   95828          5            12/13/02         11
    0435213525                           05           02/01/03         30
    20000838                             O            01/01/33
    0

    8338011          W98/G02             F          103,000.00         ZZ
                                         360        102,904.60          1
                                       6.375            642.59         64
                                       6.125            642.59
    FREDERICKSBURG   VA   22407          2            12/30/02         00
    0435199930                           03           02/01/03          0
    0800522407                           N            01/01/33
    0

    8338051          Q59/G02             F          221,000.00         ZZ
                                         360        220,800.21          1
                                       6.500          1,396.87         68
                                       6.250          1,396.87
    SANTA ANA        CA   92706          5            12/26/02         00
    0435288766                           05           02/01/03          0
    0000403992                           O            01/01/33
    0

    8338059          B49/G02             F          386,000.00         ZZ
                                         360        386,000.00          1
                                       6.500          2,439.79         79
                                       6.250          2,439.79
    ERIE             CO   80516          5            12/31/02         00
    0435282801                           03           03/01/03          0
    28683034                             O            02/01/33
    0

    8338121          408/G02             F           98,320.00         ZZ
                                         360         98,237.40          1
                                       6.875            645.89         80
                                       6.625            645.89
    DURHAM           NC   27704          1            12/17/02         00
    0435280763                           05           02/01/03          0
    9703031744                           O            01/01/33
    0

    8338417          N34/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       6.250          1,077.51         90
                                       6.000          1,077.51
1

    CHICAGO          IL   60622          1            01/03/03         10
    0435295126                           01           03/01/03         25
    0659156                              O            02/01/33
    0

    8338712          E23/G02             F          380,500.00         ZZ
                                         360        379,793.30          1
                                       6.375          2,373.82         79
                                       6.125          2,373.82
    ORANGE           CA   92866          5            11/20/02         00
    0435294673                           05           01/01/03          0
    51021119                             O            12/01/32
    0

    8338811          E22/G02             F          399,950.00         ZZ
                                         360        399,950.00          1
                                       6.375          2,495.17         79
                                       6.125          2,495.17
    LIVERMORE        CA   94551          2            12/30/02         00
    0415448984                           05           03/01/03          0
    0415448984                           O            02/01/33
    0

    8338819          E22/G02             F           45,000.00         ZZ
                                         360         45,000.00          1
                                       6.250            277.07         88
                                       6.000            277.07
    RICHMOND         VA   23223          2            01/07/03         10
    0415498815                           05           03/01/03         25
    0415498815                           N            02/01/33
    0

    8338823          E22/G02             F          107,400.00         ZZ
                                         360        107,400.00          1
                                       6.250            661.28         75
                                       6.000            661.28
    EUGENE           OR   97405          5            01/02/03         00
    0415511195                           05           03/01/03          0
    0415511195                           O            02/01/33
    0

    8338831          E22/G02             F          127,000.00         ZZ
                                         360        127,000.00          1
                                       6.500            802.73         85
                                       6.250            802.73
    TACOMA           WA   98444          2            12/31/02         04
    0415523547                           05           03/01/03         12
    0415523547                           O            02/01/33
    0
1

    8338835          E22/G02             F          119,500.00         ZZ
                                         360        119,378.16          1
                                       5.875            706.89         66
                                       5.625            706.89
    MIAMI            FL   33186          2            12/18/02         00
    0415527100                           05           02/01/03          0
    0415527100                           O            01/01/33
    0

    8338839          E22/G02             F          621,000.00         ZZ
                                         360        621,000.00          1
                                       6.250          3,823.60         60
                                       6.000          3,823.60
    WALNUT CREEK     CA   94596          2            12/30/02         00
    0415550201                           05           03/01/03          0
    0415550201                           O            02/01/33
    0

    8338845          E22/G02             F           65,600.00         ZZ
                                         360         65,540.69          1
                                       6.500            414.64         80
                                       6.250            414.64
    MIAMI            FL   33056          1            01/07/03         00
    0415558766                           05           02/01/03          0
    0415558766                           N            01/01/33
    0

    8338863          E22/G02             F          144,000.00         ZZ
                                         360        143,866.63          2
                                       6.375            898.37         67
                                       6.125            898.37
    FORT LAUDERDALE  FL   33304          2            01/07/03         00
    0415588730                           05           02/01/03          0
    0415588730                           N            01/01/33
    0

    8338869          E22/G02             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       6.500            480.37         80
                                       6.250            480.37
    EASLEY           SC   29642          1            01/07/03         00
    0415684125                           05           03/01/03          0
    0415684125                           N            02/01/33
    0

    8338873          E22/G02             F           57,600.00         ZZ
                                         360         57,600.00          1
1

                                       7.750            412.65         90
                                       7.500            412.65
    NASHVILLE        TN   37208          5            01/02/03         04
    0415691955                           05           03/01/03         25
    0415691955                           O            02/01/33
    0

    8338877          E22/G02             F          480,000.00         ZZ
                                         360        479,555.42          1
                                       6.375          2,994.58         80
                                       6.125          2,994.58
    EL DORADO HILLS  CA   95762          5            12/23/02         00
    0415693340                           03           02/01/03          0
    0415693340                           O            01/01/33
    0

    8338879          E22/G02             F          140,000.00         T
                                         360        140,000.00          1
                                       7.375            966.95         89
                                       7.125            966.95
    MIAMI BEACH      FL   33139          1            01/03/03         04
    0415695022                           06           03/01/03         25
    0415695022                           O            02/01/33
    0

    8338889          E22/G02             F          200,000.00         ZZ
                                         360        199,831.97          1
                                       6.875          1,313.86         84
                                       6.625          1,313.86
    GERMANTOWN       TN   38139          5            01/02/03         04
    0415707702                           05           02/01/03         12
    0415707702                           O            01/01/33
    0

    8338891          E22/G02             F          247,500.00         ZZ
                                         360        247,500.00          1
                                       6.375          1,544.08         71
                                       6.125          1,544.08
    BROWNSVILLE      OR   97327          5            12/31/02         00
    0415709344                           05           03/01/03          0
    0415709344                           O            02/01/33
    0

    8338895          E22/G02             F           48,750.00         ZZ
                                         360         48,750.00          3
                                       7.750            349.25         65
                                       7.500            349.25
    KALAMAZOO        MI   49007          5            01/07/03         00
    0415713908                           05           03/01/03          0
1

    0415713908                           N            02/01/33
    0

    8338901          E22/G02             F          416,000.00         ZZ
                                         360        415,614.70          1
                                       6.375          2,595.30         80
                                       6.125          2,595.30
    AGOURA HILLS     CA   91301          5            12/28/02         00
    0415729490                           05           02/01/03          0
    0415729490                           O            01/01/33
    0

    8338933          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.500            657.35         80
                                       6.250            657.35
    MIRAMAR          FL   33023          1            01/07/03         00
    0415771351                           05           03/01/03          0
    0415771351                           O            02/01/33
    0

    8338941          E22/G02             F           91,200.00         ZZ
                                         360         91,200.00          1
                                       6.500            576.45         80
                                       6.250            576.45
    EASLEY           SC   29642          1            01/07/03         00
    0415783828                           05           03/01/03          0
    0415783828                           N            02/01/33
    0

    8338943          E82/G02             F          108,100.00         ZZ
                                         360        108,100.00          1
                                       7.250            737.43         51
                                       7.000            737.43
    ORANGEVALE       CA   95662          2            01/03/03         00
    0400747754                           05           03/01/03          0
    3752358                              N            02/01/33
    0

    8338945          E22/G02             F           79,500.00         ZZ
                                         360         79,500.00          1
                                       6.750            515.64         78
                                       6.500            515.64
    PUEBLO           CO   81004          2            01/07/03         00
    0415785237                           05           03/01/03          0
    0415785237                           N            02/01/33
    0

1

    8338955          E82/G02             F          142,000.00         ZZ
                                         360        142,000.00          1
                                       6.375            885.90         78
                                       6.125            885.90
    TUCSON           AZ   85715          2            01/03/03         00
    0400726626                           05           03/01/03          0
    1798155                              O            02/01/33
    0

    8338957          E22/G02             F           68,000.00         ZZ
                                         360         68,000.00          2
                                       7.250            463.88         80
                                       7.000            463.88
    PUEBLO           CO   81004          5            01/07/03         00
    0415797216                           05           03/01/03          0
    0415797216                           N            02/01/33
    0

    8338965          E22/G02             F           48,000.00         ZZ
                                         360         48,000.00          1
                                       7.750            343.88         80
                                       7.500            343.88
    WARREN           MI   48089          1            01/07/03         00
    0415800515                           05           03/01/03          0
    0415800515                           N            02/01/33
    0

    8338973          E22/G02             F          104,000.00         ZZ
                                         360        103,910.46          1
                                       6.750            674.54         80
                                       6.500            674.54
    LAFAYETTE        IN   47905          2            01/02/03         00
    0415606417                           05           02/01/03          0
    0415606417                           O            01/01/33
    0

    8338975          E22/G02             F          137,600.00         ZZ
                                         360        137,600.00          1
                                       6.500            869.73         80
                                       6.250            869.73
    NOOKSACK         WA   98276          2            12/30/02         00
    0415609833                           05           03/01/03          0
    0415609833                           O            02/01/33
    0

    8338981          E22/G02             F           89,120.00         ZZ
                                         360         89,039.55          1
                                       7.625            630.79         95
                                       7.375            630.79
1

    ATHENS           AL   35614          1            01/07/03         01
    0415642081                           05           02/01/03         35
    0415642081                           O            01/01/33
    0

    8338983          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       6.500            853.29         90
                                       6.250            853.29
    EAGLE            ID   83616          5            01/02/03         10
    0415647122                           03           03/01/03         25
    0415647122                           O            02/01/33
    0

    8338999          E22/G02             F           82,600.00         ZZ
                                         360         82,600.00          1
                                       6.500            522.09         70
                                       6.250            522.09
    SYLVA            NC   28779          1            01/07/03         00
    0415663772                           05           03/01/03          0
    0415663772                           O            02/01/33
    0

    8339009          E22/G02             F          121,000.00         ZZ
                                         360        121,000.00          1
                                       6.500            764.80         68
                                       6.250            764.80
    LITTLETON        CO   80120          5            01/07/03         00
    0415682228                           05           03/01/03          0
    0415682228                           N            02/01/33
    0

    8339059          N74/G02             F           86,000.00         ZZ
                                         360         86,000.00          1
                                       6.500            543.58         87
                                       6.250            543.58
    LYNCHBURG        VA   24502          2            12/31/02         10
    0435184460                           05           03/01/03         25
    0031451010                           O            02/01/33
    0

    8339135          742/G02             F           67,500.00         ZZ
                                         360         67,440.45          3
                                       6.625            432.21         90
                                       6.375            432.21
    ROCHESTER        NY   14620          1            12/27/02         11
    0435191762                           05           02/01/03         35
    5574561                              N            01/01/33
    0
1

    8339143          X67/G02             F          280,000.00         ZZ
                                         360        279,746.88          1
                                       6.500          1,769.79         70
                                       6.250          1,769.79
    YORBA LINDA      CA   92886          5            12/16/02         00
    0435227111                           05           02/01/03          0
    00281455                             O            01/01/33
    0

    8339185          A46/G02             F          130,496.00         ZZ
                                         360        130,378.02          1
                                       6.500            824.83         80
                                       6.250            824.83
    ALBUQUERQUE      NM   87114          1            01/03/03         00
    0435228630                           03           02/01/03          0
    0820283                              O            01/01/33
    0

    8339237          883/G02             F           93,680.00         ZZ
                                         360         93,595.31          1
                                       6.500            592.12         80
                                       6.250            592.12
    NORRISTOWN       PA   19401          1            12/31/02         00
    0435198502                           07           02/01/03          0
    40000399                             O            01/01/33
    0

    8339379          N47/G02             F          174,250.00         ZZ
                                         360        174,096.27          4
                                       6.625          1,115.74         85
                                       6.375          1,115.74
    FRESNO           CA   93701          1            12/19/02         04
    0435191804                           05           02/01/03         20
    20501362                             N            01/01/33
    0

    8339415          N74/G02             F          246,600.00         ZZ
                                         360        246,377.07          1
                                       6.500          1,558.68         78
                                       6.250          1,558.68
    ROCKWALL         TX   75087          2            12/30/02         00
    0435262860                           05           02/06/03          0
    0031449010                           O            01/06/33
    0

    8339463          A06/G02             F           51,000.00         ZZ
                                         360         50,958.19          1
1

                                       7.000            339.31         77
                                       6.750            339.31
    DETROIT          MI   48205          5            12/31/02         00
    0435213616                           05           02/01/03          0
    021000020231574                      O            01/01/33
    0

    8339509          U05/G02             F           66,000.00         ZZ
                                         360         65,938.88          1
                                       6.375            411.75         80
                                       6.125            411.75
    MCALLEN          TX   78503          5            12/19/02         00
    0435232897                           05           02/01/03          0
    3279792                              O            01/01/33
    0

    8339555          313/G02             F           74,000.00         ZZ
                                         360         73,931.46          1
                                       6.375            461.67         47
                                       6.125            461.67
    CHANDLER         AZ   85225          2            12/30/02         00
    0435274139                           03           02/01/03          0
    0009177841                           O            01/01/33
    0

    8339595          U05/G02             F           68,000.00         ZZ
                                         360         67,949.53          1
                                       7.500            475.47         80
                                       7.250            475.47
    FORT WORTH       TX   76110          5            12/23/02         00
    0435297791                           05           02/01/03          0
    3295149                              O            01/01/33
    0

    8339651          A06/G02             F           88,200.00         ZZ
                                         360         88,136.16          1
                                       7.625            624.28         90
                                       7.375            624.28
    LANSING          MI   48911          5            12/18/02         12
    0435214200                           05           02/01/03         25
    021000020221343                      O            01/01/33
    0

    8339779          S11/G02             F          268,000.00         ZZ
                                         360        267,739.52          1
                                       6.125          1,628.40         80
                                       5.875          1,628.40
    ANAHEIM          CA   92805          2            12/23/02         00
    0435216981                           05           02/01/03          0
1

    10210159                             O            01/01/33
    0

    8339787          003/G02             F          281,700.00         ZZ
                                         360        281,445.34          4
                                       6.500          1,780.54         90
                                       6.250          1,780.54
    SNELLVILLE       GA   30078          1            12/23/02         12
    0435180054                           05           02/01/03         25
    0021888334                           N            01/01/33
    0

    8339921          P09/G02             F          352,560.00         ZZ
                                         360        352,225.48          1
                                       6.250          2,170.77         80
                                       6.000          2,170.77
    LORTON           VA   22079          5            12/20/02         00
    0435196555                           05           02/01/03          0
    MOSBY2                               O            01/01/33
    0

    8340139          P44/G02             F          144,000.00         ZZ
                                         360        144,000.00          3
                                       6.500            910.18         78
                                       6.250            910.18
    WEBSTER          MA   01570          5            12/30/02         00
    0435188784                           05           03/01/03          0
    581726779                            O            02/01/33
    0

    8340141          P44/G02             F          252,000.00         ZZ
                                         360        252,000.00          2
                                       7.125          1,697.77         80
                                       6.875          1,697.77
    CAMBRIDGE        MA   02139          1            01/03/03         00
    0435190525                           05           03/01/03          0
    CITRANO                              N            02/01/33
    0

    8340177          P44/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       7.250            600.32         80
                                       7.000            600.32
    HYANNIS          MA   02601          1            01/03/03         00
    0435183595                           01           03/01/03          0
    138962                               N            02/01/33
    0

1

    8340181          X31/G02             F          350,000.00         ZZ
                                         360        349,691.20          1
                                       6.625          2,241.09         78
                                       6.375          2,241.09
    DOWNEY           CA   90240          2            12/18/02         00
    0435211040                           05           02/01/03          0
    40104309                             O            01/01/33
    0

    8340312          E23/G02             F          375,000.00         ZZ
                                         360        374,644.18          1
                                       6.250          2,308.94         58
                                       6.000          2,308.94
    RAMONA           CA   92065          5            12/05/02         00
    0435235940                           03           02/01/03          0
    11015085                             O            01/01/33
    0

    8340416          R68/G02             F           63,000.00         ZZ
                                         360         63,000.00          1
                                       6.875            413.87         75
                                       6.625            413.87
    HOLLYWOOD        FL   33019          1            01/06/03         00
    0435206230                           01           03/01/03          0
    7604838                              N            02/01/33
    0

    8340523          420/G02             F          800,000.00         ZZ
                                         360        799,259.04          1
                                       6.375          4,990.96         70
                                       6.125          4,990.96
    SEBASTOPOL       CA   95472          2            12/24/02         00
    0435185756                           05           02/01/03          0
    72004842                             O            01/01/33
    0

    8341079          196/G02             F          400,000.00         ZZ
                                         360        399,620.46          1
                                       6.250          2,462.87         75
                                       6.000          2,462.87
    MILBURN          NJ   07041          5            12/17/02         00
    0435230636                           05           02/01/03          0
    1330548                              O            01/01/33
    0

    8341085          196/G02             F          472,600.00         ZZ
                                         360        472,172.76          1
                                       6.500          2,987.16         75
                                       6.250          2,987.16
1

    BROOKLINE        MA   02445          5            12/20/02         00
    0435241229                           05           02/01/03          0
    1330733                              O            01/01/33
    0

    8341117          196/G02             F          407,200.00         ZZ
                                         360        406,443.70          1
                                       6.375          2,540.40         80
                                       6.125          2,540.40
    ANDOVER          MA   01810          1            12/06/02         00
    0435253943                           05           01/01/03          0
    1334531                              O            12/01/32
    0

    8341121          196/G02             F          320,000.00         T
                                         360        319,391.16          1
                                       6.250          1,970.30         69
                                       6.000          1,970.30
    STRAFFORD        NH   03884          5            12/06/02         00
    0435225743                           05           01/01/03          0
    1334671                              O            12/01/32
    0

    8341167          196/G02             F          400,000.00         ZZ
                                         360        399,238.95          1
                                       6.250          2,462.87         80
                                       6.000          2,462.87
    COVINGTON        LA   70435          5            12/02/02         00
    0435225107                           05           01/01/03          0
    1580669                              O            12/01/32
    0

    8341185          196/G02             F          408,000.00         ZZ
                                         360        407,063.20          1
                                       6.500          2,578.84         80
                                       6.250          2,578.84
    SHERMAN OAKS     CA   91423          5            11/11/02         00
    0435238621                           05           01/01/03          0
    1587135                              O            12/01/32
    0

    8341211          196/G02             F          450,000.00         ZZ
                                         360        449,593.19          1
                                       6.500          2,844.31         79
                                       6.250          2,844.31
    ESCONDIDO        CA   92027          5            12/13/02         00
    0435240478                           05           02/01/03          0
    1589682                              O            01/01/33
    0
1

    8341219          196/G02             F          425,000.00         ZZ
                                         360        424,210.63          1
                                       6.375          2,651.45         75
                                       6.125          2,651.45
    FAIRFAX          VA   22032          5            12/03/02         00
    0435223128                           05           01/01/03          0
    1590264                              O            12/01/32
    0

    8341259          196/G02             F          340,000.00         ZZ
                                         360        339,685.09          1
                                       6.375          2,121.16         61
                                       6.125          2,121.16
    BREA             CA   92821          5            12/06/02         00
    0435253448                           05           02/01/03          0
    1594012                              O            01/01/33
    0

    8341281          196/G02             F          380,000.00         ZZ
                                         360        379,656.47          1
                                       6.500          2,401.86         80
                                       6.250          2,401.86
    GLENDORA         CA   91741          5            12/18/02         00
    0435280920                           05           02/01/03          0
    1595302                              O            01/01/33
    0

    8341301          196/G02             F          460,000.00         ZZ
                                         360        459,145.62          1
                                       6.375          2,869.81         74
                                       6.125          2,869.81
    CARMEL           IN   46032          5            12/04/02         00
    0435230495                           03           01/01/03          0
    1597058                              O            12/01/32
    0

    8341323          196/G02             F          496,500.00         ZZ
                                         360        495,555.34          1
                                       6.250          3,057.04         79
                                       6.000          3,057.04
    CERRITOS         CA   90703          2            11/20/02         00
    0435218094                           05           01/01/03          0
    1602603                              O            12/01/32
    0

    8341355          196/G02             F          480,000.00         ZZ
                                         360        479,544.55          1
1

                                       6.250          2,955.45         80
                                       6.000          2,955.45
    THOUSAND OAKS    CA   91362          2            12/12/02         00
    0435232061                           05           02/01/03          0
    1604552                              O            01/01/33
    0

    8341357          196/G02             F          420,000.00         ZZ
                                         360        419,610.99          1
                                       6.375          2,620.26         75
                                       6.125          2,620.26
    CARMEL           CA   93923          5            12/20/02         00
    0435254081                           05           02/01/03          0
    1604651                              O            01/01/33
    0

    8341415          940/G02             F          340,000.00         ZZ
                                         360        339,685.09          1
                                       6.375          2,121.16         80
                                       6.125          2,121.16
    GLENDALE         CA   91206          5            12/30/02         00
    0435200365                           05           02/01/03          0
    40021124                             O            01/01/33
    0

    8341561          Q87/G02             F           60,750.00         ZZ
                                         360         60,659.56          1
                                       7.500            424.77         75
                                       7.250            424.77
    TRINITY          TX   75862          5            11/27/02         00
    0435297999                           05           01/03/03          0
    1                                    O            12/03/32
    0

    8341573          M18/G02             F          556,000.00         ZZ
                                         360        555,544.25          1
                                       7.000          3,699.08         80
                                       6.750          3,699.08
    IRVINE           CA   92606          5            12/06/02         00
    0435175963                           03           02/01/03          0
    980102140                            O            01/01/33
    0

    8341754          E23/G02             F          272,000.00         ZZ
                                         360        271,754.10          1
                                       6.500          1,719.23         80
                                       6.250          1,719.23
    HAYWARD          CA   94541          5            12/11/02         00
    0435239173                           01           02/01/03          0
1

    51022282                             O            01/01/33
    0

    8341756          E23/G02             F          330,000.00         ZZ
                                         360        329,694.36          1
                                       6.375          2,058.77         69
                                       6.125          2,058.77
    SAN DIEGO        CA   92131          5            12/03/02         00
    0435136478                           05           02/01/03          0
    11015309                             O            01/01/33
    0

    8341828          E23/G02             F          440,000.00         ZZ
                                         360        439,592.47          1
                                       6.375          2,745.03         80
                                       6.125          2,745.03
    YORBA LINDA      CA   92886          1            12/04/02         00
    0435214929                           05           02/01/03          0
    51021480                             O            01/01/33
    0

    8341834          E23/G02             F          330,000.00         ZZ
                                         360        329,694.36          1
                                       6.375          2,058.77         85
                                       6.125          2,058.77
    SAN LEANDRO      CA   94579          5            12/02/02         04
    0435214192                           05           02/01/03         12
    61008182                             O            01/01/33
    0

    8341926          L68/G02             F          180,500.00         ZZ
                                         360        180,359.19          1
                                       7.250          1,231.33         95
                                       7.000          1,231.33
    DALE CITY        VA   22193          5            12/14/02         14
    0435221254                           05           02/01/03         30
    7265087                              O            01/01/33
    0

    8341942          E23/G02             F          117,000.00         ZZ
                                         360        116,899.27          1
                                       6.750            758.86         78
                                       6.500            758.86
    SALT LAKE CITY   UT   84118          2            12/03/02         00
    0435264981                           05           02/01/03          0
    41005244                             O            01/01/33
    0

1

    8342053          W93/G02             F          145,000.00         ZZ
                                         360        144,881.14          1
                                       7.000            964.69         61
                                       6.750            964.69
    CHULA VISTA      CA   91911          5            12/24/02         00
    0435222328                           05           02/01/03          0
    28425123                             N            01/01/33
    0

    8342101          W93/G02             F          225,000.00         ZZ
                                         360        224,801.49          1
                                       6.625          1,440.70         75
                                       6.375          1,440.70
    SAN DIEGO        CA   92115          5            12/19/02         00
    0435198601                           05           02/01/03          0
    28424793                             O            01/01/33
    0

    8342164          E23/G02             F           96,000.00         ZZ
                                         360         95,908.91          1
                                       6.250            591.09         62
                                       6.000            591.09
    EUREKA           CA   95501          2            12/05/02         00
    0435208822                           05           02/01/03          0
    62004504                             O            01/01/33
    0

    8342316          E23/G02             F          437,592.00         ZZ
                                         360        437,176.79          1
                                       6.250          2,694.33         80
                                       6.000          2,694.33
    RIVERSIDE        CA   92505          1            12/10/02         00
    0435224662                           03           02/01/03          0
    51021204                             O            01/01/33
    0

    8342341          E22/G02             F          120,000.00         ZZ
                                         360        120,000.00          2
                                       6.500            758.48         75
                                       6.250            758.48
    BENNINGTON       NE   68007          5            01/08/03         00
    0415201433                           05           03/01/03          0
    0415201433                           N            02/01/33
    0

    8342357          E22/G02             F          108,000.00         ZZ
                                         360        107,917.82          1
                                       7.375            745.93         90
                                       7.125            745.93
1

    CLAYMONT         DE   19703          5            01/03/03         01
    0415366533                           05           02/01/03         30
    0415366533                           O            01/01/33
    0

    8342369          E22/G02             F          279,000.00         ZZ
                                         360        279,000.00          1
                                       6.125          1,695.23         90
                                       5.875          1,695.23
    DALLAS           TX   75252          1            01/08/03         01
    0415446277                           03           03/01/03         30
    0415446277                           O            02/01/33
    0

    8342375          E22/G02             F          592,500.00         ZZ
                                         360        592,500.00          1
                                       6.500          3,745.00         75
                                       6.250          3,745.00
    DALLAS           TX   75209          5            01/03/03         00
    0415458926                           03           03/01/03          0
    0415458926                           O            02/01/33
    0

    8342393          E22/G02             F           89,600.00         ZZ
                                         360         89,524.72          1
                                       6.875            588.61         80
                                       6.625            588.61
    AUSTIN           TX   78744          5            01/03/03         00
    0415506583                           05           02/01/03          0
    0415506583                           O            01/01/33
    0

    8342405          E22/G02             F           99,000.00         ZZ
                                         360         99,000.00          2
                                       7.750            709.25         90
                                       7.500            709.25
    JACKSONVILLE     FL   32220          2            01/08/03         04
    0415565894                           05           03/01/03         25
    0415565894                           N            02/01/33
    0

    8342409          E22/G02             F          231,200.00         ZZ
                                         360        231,200.00          1
                                       6.250          1,423.54         80
                                       6.000          1,423.54
    BOGOTA           NJ   07603          5            12/30/02         00
    0415572361                           05           03/01/03          0
    0415572361                           O            02/01/33
    0
1

    8342423          E22/G02             F          123,000.00         ZZ
                                         360        123,000.00          1
                                       6.375            767.36         69
                                       6.125            767.36
    ENFIELD          CT   06082          5            01/03/03         00
    0415604792                           05           03/01/03          0
    0415604792                           O            02/01/33
    0

    8342425          E22/G02             F           28,800.00         ZZ
                                         360         28,800.00          1
                                       7.750            206.33         90
                                       7.500            206.33
    CARBONDALE       IL   62901          1            01/07/03         04
    0415605914                           05           03/01/03         25
    0415605914                           N            02/01/33
    0

    8342429          E22/G02             F          126,000.00         ZZ
                                         360        126,000.00          1
                                       6.250            775.80         58
                                       6.000            775.80
    KEY BISCAYNE     FL   33149          5            12/30/02         00
    0415610633                           01           03/01/03          0
    0415610633                           N            02/01/33
    0

    8342433          E22/G02             F          445,000.00         ZZ
                                         360        445,000.00          1
                                       6.375          2,776.22         73
                                       6.125          2,776.22
    TORRANCE         CA   90503          2            12/30/02         00
    0415618685                           05           03/01/03          0
    0415618685                           O            02/01/33
    0

    8342441          E22/G02             F          169,575.00         ZZ
                                         360        169,575.00          1
                                       6.625          1,085.81         95
                                       6.375          1,085.81
    STERLING HEIGHT  MI   48312          5            01/03/03         04
    0415630409                           05           03/01/03         30
    0415630409                           O            02/01/33
    0

    8342451          E22/G02             F          294,000.00         ZZ
                                         360        293,727.70          1
1

                                       6.375          1,834.18         90
                                       6.125          1,834.18
    THOMASTON        CT   06787          5            01/03/03         04
    0415642644                           05           02/01/03         25
    0415642644                           O            01/01/33
    0

    8342455          E22/G02             F          158,400.00         ZZ
                                         360        158,253.29          1
                                       6.375            988.21         80
                                       6.125            988.21
    RIALTO           CA   92376          1            12/27/02         00
    0415645142                           05           02/01/03          0
    0415645142                           O            01/01/33
    0

    8342463          E22/G02             F          309,000.00         ZZ
                                         360        309,000.00          1
                                       6.250          1,902.57         77
                                       6.000          1,902.57
    LIVERMORE        CA   94550          5            12/31/02         00
    0415662600                           05           03/01/03          0
    0415662600                           O            02/01/33
    0

    8342465          E22/G02             F          307,700.00         ZZ
                                         360        307,700.00          1
                                       6.000          1,844.82         71
                                       5.750          1,844.82
    MONTEREY         CA   93940          2            12/31/02         00
    0415664267                           05           03/01/03          0
    0415664267                           O            02/01/33
    0

    8342475          E22/G02             F          363,500.00         ZZ
                                         360        363,500.00          1
                                       6.375          2,267.77         68
                                       6.125          2,267.77
    BEND             OR   97701          2            12/31/02         00
    0415676907                           05           03/01/03          0
    0415676907                           O            02/01/33
    0

    8342485          E22/G02             F           45,000.00         ZZ
                                         360         45,000.00          1
                                       7.750            322.39         75
                                       7.500            322.39
    DAYTON           OH   45417          2            01/08/03         00
    0435259742                           05           03/01/03          0
1

    0415697101                           N            02/01/33
    0

    8342489          E22/G02             F          154,000.00         ZZ
                                         360        154,000.00          1
                                       7.250          1,050.55         64
                                       7.000          1,050.55
    LOS ANGELES      CA   91306          5            12/27/02         00
    0415697713                           05           03/01/03          0
    0415697713                           N            02/01/33
    0

    8342515          E47/G02             F          252,000.00         ZZ
                                         360        251,766.60          1
                                       6.375          1,572.15         80
                                       6.125          1,572.15
    HAYWARD          CA   94544          5            12/26/02         00
    0435227160                           05           02/01/03          0
    7359512324                           O            01/01/33
    0

    8342525          E22/G02             F          244,000.00         ZZ
                                         360        244,000.00          1
                                       6.125          1,482.57         77
                                       5.875          1,482.57
    GALT             CA   95632          2            12/30/02         00
    0415731629                           05           03/01/03          0
    0415731629                           O            02/01/33
    0

    8342529          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       6.250            554.15         69
                                       6.000            554.15
    ROSEVILLE        MI   48066          5            01/03/03         00
    0415734987                           05           03/01/03          0
    0415734987                           O            02/01/33
    0

    8342534          E23/G02             F          382,000.00         ZZ
                                         360        381,654.67          1
                                       6.500          2,414.50         89
                                       6.250          2,414.50
    LA MIRADA        CA   90638          2            12/20/02         04
    0435208723                           03           02/01/03         25
    51023448                             O            01/01/33
    0

1

    8342538          E23/G02             F          450,000.00         ZZ
                                         360        449,593.19          1
                                       6.500          2,844.31         67
                                       6.250          2,844.31
    SAINT HELENA     CA   94574          5            12/23/02         00
    0435208905                           05           02/01/03          0
    62005185                             O            01/01/33
    0

    8342575          E22/G02             F          195,750.00         ZZ
                                         360        195,750.00          4
                                       6.750          1,269.63         75
                                       6.500          1,269.63
    FOUNTAIN         CO   80817          1            01/07/03         00
    0415748631                           05           03/01/03          0
    0415748631                           N            02/01/33
    0

    8342577          E22/G02             F          148,500.00         ZZ
                                         360        148,500.00          1
                                       6.750            963.17         85
                                       6.500            963.17
    GRANTS PASS      OR   97526          5            01/02/03         10
    0415749381                           05           03/01/03         12
    0415749381                           O            02/01/33
    0

    8342583          E22/G02             F          235,500.00         ZZ
                                         360        235,287.11          1
                                       6.500          1,488.52         67
                                       6.250          1,488.52
    POMPANO BEACH    FL   33060          5            01/03/03         00
    0415758119                           05           02/01/03          0
    0415758119                           O            01/01/33
    0

    8342587          E22/G02             F          181,050.00         ZZ
                                         360        181,050.00          2
                                       7.000          1,204.53         85
                                       6.750          1,204.53
    WATERLOO         IL   62298          5            01/03/03         01
    0415774215                           05           03/01/03         12
    0415774215                           O            02/01/33
    0

    8342591          E22/G02             F          234,000.00         ZZ
                                         360        234,000.00          1
                                       5.875          1,384.20         47
                                       5.625          1,384.20
1

    BIRMINGHAM       AL   35243          1            01/08/03         00
    0415785161                           05           03/01/03          0
    0415785161                           O            02/01/33
    0

    8342599          E22/G02             F           71,100.00         ZZ
                                         360         71,100.00          1
                                       7.250            485.03         90
                                       7.000            485.03
    SOUTH BEND       IN   46625          2            01/03/03         04
    0415790138                           05           03/01/03         25
    0415790138                           O            02/01/33
    0

    8342607          E22/G02             F           85,000.00         ZZ
                                         360         84,923.16          1
                                       6.500            537.26         73
                                       6.250            537.26
    ATHENS           AL   35611          2            01/03/03         00
    0415799030                           05           02/01/03          0
    0415799030                           O            01/01/33
    0

    8342627          E22/G02             F          187,000.00         ZZ
                                         360        187,000.00          1
                                       6.625          1,197.38         75
                                       6.375          1,197.38
    KENMORE          WA   98028          2            01/03/03         00
    0415819515                           05           03/01/03          0
    0415819515                           N            02/01/33
    0

    8342663          B44/G02             F          425,000.00         ZZ
                                         360        424,634.09          1
                                       6.750          2,756.54         57
                                       6.500          2,756.54
    DAVIS            CA   95616          2            12/19/02         00
    0435197165                           05           02/01/03          0
    3021818                              O            01/01/33
    0

    8342778          W98/G02             F          364,000.00         ZZ
                                         360        363,654.62          1
                                       6.250          2,241.21         80
                                       6.000          2,241.21
    LEESBURG         VA   20176          2            12/27/02         00
    0435193370                           03           02/01/03          0
    HARDIN2                              O            01/01/33
    0
1

    8342815          X31/G02             F          132,720.00         ZZ
                                         360        132,608.50          2
                                       6.875            871.88         80
                                       6.625            871.88
    SALEM            OR   97304          1            12/19/02         00
    0435282678                           05           02/01/03          0
    52000272                             N            01/01/33
    0

    8342873          X67/G02             F          260,000.00         ZZ
                                         360        259,753.31          1
                                       6.250          1,600.86         61
                                       6.000          1,600.86
    RANCHO CUCAMONG  CA   91730          2            12/12/02         00
    0435213236                           05           02/01/03          0
    00281426                             O            01/01/33
    0

    8342895          E47/G02             F          192,000.00         ZZ
                                         360        191,822.17          1
                                       6.375          1,197.83         80
                                       6.125          1,197.83
    TROY             MI   48098          2            12/20/02         00
    0435303441                           05           02/01/03          0
    7360514871                           O            01/01/33
    0

    8342925          L86/G02             F          182,000.00         ZZ
                                         360        181,831.44          1
                                       6.375          1,135.44         45
                                       6.125          1,135.44
    SCOTTSDALE       AZ   85259          5            12/16/02         00
    0435193826                           03           02/01/03          0
    10001354                             O            01/01/33
    0

    8342927          T09/G02             F          444,000.00         ZZ
                                         360        443,608.27          1
                                       6.625          2,842.98         80
                                       6.375          2,842.98
    SAN JOSE         CA   95008          2            12/24/02         00
    0435261854                           05           02/01/03          0
    2002246600                           O            01/01/33
    0

    8343427          M66/G02             F          225,000.00         ZZ
                                         360        225,000.00          3
1

                                       7.625          1,592.54         90
                                       7.375          1,592.54
    PATERSON         NJ   07504          1            01/03/03         11
    0435208855                           05           03/01/03         25
    1                                    N            02/01/33
    0

    8343611          L85/G02             F          560,000.00         ZZ
                                         360        560,000.00          1
                                       6.250          3,448.02         80
                                       6.000          3,448.02
    TIERRA VERDE     FL   33715          5            01/06/03         00
    0435286828                           05           03/01/03          0
    10212027FL                           O            02/01/33
    0

    8343817          E82/G02             F          275,000.00         ZZ
                                         360        275,000.00          3
                                       7.125          1,852.73         51
                                       6.875          1,852.73
    WOODSIDE         NY   11377          5            01/06/03         00
    0400692224                           05           03/01/03          0
    0400692224                           O            02/01/33
    0

    8343821          E82/G02             F          191,800.00         ZZ
                                         360        191,800.00          1
                                       6.250          1,180.95         80
                                       6.000          1,180.95
    TRENTON          MI   48183          2            01/03/03         00
    0400728408                           05           03/01/03          0
    1833729                              O            02/01/33
    0

    8343830          E23/G02             F           98,400.00         ZZ
                                         360         98,311.05          1
                                       6.500            621.95         80
                                       6.250            621.95
    PHOENIX          AZ   85053          1            12/20/02         00
    0435190087                           05           02/01/03          0
    41005609                             O            01/01/33
    0

    8343831          E82/G02             F           89,000.00         ZZ
                                         360         89,000.00          1
                                       6.375            555.24         25
                                       6.125            555.24
    WALNUT           CA   91789          2            01/06/03         00
    0400751418                           05           03/01/03          0
1

    1797958                              N            02/01/33
    0

    8343839          E82/G02             F           88,400.00         ZZ
                                         360         88,400.00          1
                                       6.375            551.50         73
                                       6.125            551.50
    EUGENE           OR   97402          2            01/06/03         00
    0400754271                           05           03/01/03          0
    1800443                              O            02/01/33
    0

    8343863          E82/G02             F          214,500.00         ZZ
                                         360        214,500.00          1
                                       7.000          1,427.07         86
                                       6.750          1,427.07
    ELIZABETH        AR   72531          2            01/06/03         10
    0400748232                           05           03/01/03         25
    4181674                              O            02/01/33
    0

    8343875          P21/G02             F          300,700.00         ZZ
                                         360        300,434.69          1
                                       6.625          1,925.42         73
                                       6.375          1,925.42
    HACIENDA HEIGHT  CA   91745          5            12/13/02         00
    0435284138                           05           02/01/03          0
    0211049                              O            01/01/33
    0

    8343879          L20/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       6.375            898.37         80
                                       6.125            898.37
    PLEASANT VIEW    UT   84414          5            01/03/03         00
    0435209952                           05           03/01/03          0
    1061070094                           O            02/01/33
    0

    8343893          F89/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       6.875            578.10         80
                                       6.625            578.10
    LANCASTER        CA   93536          1            01/06/03         00
    0435189782                           01           03/01/03          0
    10626135                             N            02/01/33
    0

1

    8343899          N74/G02             F           46,000.00         ZZ
                                         360         45,959.42          1
                                       6.625            294.54         65
                                       6.375            294.54
    HAMPTON          VA   23661          2            12/31/02         00
    0435263124                           05           02/06/03          0
    0031460010                           O            01/06/33
    0

    8343943          P44/G02             F           80,000.00         T
                                         360         80,000.00          1
                                       6.125            486.09         37
                                       5.875            486.09
    DENNISPORT       MA   02639          1            01/03/03         00
    0435185673                           05           03/01/03          0
    1                                    O            02/01/33
    0

    8343953          P44/G02             F          246,000.00         ZZ
                                         360        246,000.00          1
                                       6.375          1,534.72         69
                                       6.125          1,534.72
    FALMOUTH (EAST)  MA   02536          2            12/30/02         00
    0435188842                           05           03/01/03          0
    1                                    O            02/01/33
    0

    8344025          S43/G02             F           65,600.00         ZZ
                                         360         65,600.00          1
                                       6.875            430.95         80
                                       6.625            430.95
    ALBUQUERQUE      NM   87102          2            01/02/03         00
    0435190798                           05           03/01/03          0
    021075                               N            02/01/33
    0

    8344047          W77/G02             F          120,000.00         ZZ
                                         360        119,896.68          1
                                       6.750            778.32         80
                                       6.500            778.32
    AUSTIN           TX   78750          5            12/23/02         00
    0435314950                           05           02/01/03          0
    W0212065                             O            01/01/33
    0

    8344103          G27/G02             F          123,750.00         ZZ
                                         360        123,646.03          1
                                       6.875            812.95         75
                                       6.625            812.95
1

    RIVERSIDE        CA   92503          5            12/30/02         00
    0435249065                           05           02/01/03          0
    20902167                             N            01/01/33
    0

    8344119          967/G02             F          231,200.00         ZZ
                                         360        230,980.63          1
                                       6.250          1,423.54         75
                                       6.000          1,423.54
    APACHE JUNCTION  AZ   85220          2            12/30/02         00
    0435173752                           05           02/01/03          0
    5915145                              O            01/01/33
    0

    8344123          Q87/G02             F          171,900.00         ZZ
                                         360        171,595.84          1
                                       6.625          1,100.69         90
                                       6.375          1,100.69
    WARRENTON        VA   20187          5            12/13/02         10
    0435233739                           05           01/18/03         25
    YAJO01                               O            12/18/32
    0

    8344328          E23/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.375          3,119.35         79
                                       6.125          3,119.35
    SAN FRANCISCO    CA   94127          1            01/02/03         00
    0435298807                           05           03/01/03          0
    62004919                             O            02/01/33
    0

    8344361          W09/G02             F          216,100.00         ZZ
                                         360        216,100.00          1
                                       6.375          1,348.19         78
                                       6.125          1,348.19
    WALTON           KY   41094          2            01/08/03         00
    0435246699                           05           03/01/03          0
    20029830                             O            02/01/33
    0

    8344541          737/G02             F          169,100.00         ZZ
                                         360        168,947.13          1
                                       6.500          1,068.83         95
                                       6.250          1,068.83
    HANOVER          MD   21076          2            12/30/02         01
    0435215561                           05           02/01/03         30
    2087343                              O            01/01/33
    0
1

    8344602          E23/G02             F          161,600.00         ZZ
                                         360        161,453.91          1
                                       6.500          1,021.42         80
                                       6.250          1,021.42
    HIGHLAND         CA   92346          1            12/26/02         00
    0435244454                           03           02/01/03          0
    51023570                             O            01/01/33
    0

    8344678          Q51/G02             F          464,000.00         ZZ
                                         360        464,000.00          1
                                       6.375          2,894.76         80
                                       6.125          2,894.76
    RANCHO SANTA MA  CA   92688          5            01/03/03         00
    0435281910                           03           03/01/03          0
    0658572                              O            02/01/33
    0

    8344709          W35/G02             F           52,000.00         ZZ
                                         360         51,924.48          1
                                       7.625            368.06         79
                                       7.375            368.06
    LYNCHBURG        SC   29080          5            12/18/02         00
    0435269386                           05           01/23/03          0
    15253                                O            12/23/32
    0

    8344721          E57/G02             F          283,500.00         ZZ
                                         360        283,249.88          1
                                       6.625          1,815.28         90
                                       6.375          1,815.28
    MONROVIA         CA   91016          5            12/19/02         04
    0435241658                           03           02/01/03         25
    06012639                             O            01/01/33
    0

    8344723          X67/G02             F           91,200.00         ZZ
                                         360         91,117.55          2
                                       6.500            576.45         80
                                       6.250            576.45
    NEW CARLISLE     OH   45344          1            12/17/02         00
    0435298823                           05           02/01/03          0
    00282139                             N            01/01/33
    0

    8344813          Q59/G02             F          167,200.00         ZZ
                                         360        167,069.57          1
1

                                       7.250          1,140.60         80
                                       7.000          1,140.60
    LOS ANGELES      CA   90006          1            12/27/02         00
    0435241062                           01           02/01/03          0
    0000404430                           N            01/01/33
    0

    8344825          U35/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       7.125            700.67         80
                                       6.875            700.67
    FORT WAYNE       IN   46845          5            01/06/03         00
    0435205281                           05           03/01/03          0
    10498258                             O            02/01/33
    0

    8344891          W93/G02             F          128,680.00         ZZ
                                         360        128,582.09          1
                                       7.375            888.76         80
                                       7.125            888.76
    SCOTTSDALE       AZ   85251          1            12/27/02         00
    0435224761                           01           02/01/03          0
    55417720                             O            01/01/33
    0

    8344899          K15/G02             F           97,600.00         ZZ
                                         360         97,600.00          1
                                       6.625            624.94         77
                                       6.375            624.94
    WEST OSSIPEE     NH   03890          5            12/30/02         00
    0435197983                           05           03/01/03          0
    033105508258                         O            02/01/33
    0

    8344939          E47/G02             F           63,900.00         ZZ
                                         360         63,842.24          1
                                       6.500            403.89         90
                                       6.250            403.89
    CHICAGO          IL   60617          1            12/27/02         11
    0435234703                           07           02/01/03         25
    7360514800                           N            01/01/33
    0

    8344973          M27/G02             F          456,000.00         ZZ
                                         360        456,000.00          1
                                       6.000          2,733.95         80
                                       5.750          2,733.95
    CHAPEL HILL      NC   27516          2            12/30/02         00
    0435278544                           05           03/01/03          0
1

    0100029095                           O            02/01/33
    0

    8345015          Y23/G02             F          258,800.00         ZZ
                                         360        258,548.46          1
                                       6.125          1,572.50         74
                                       5.875          1,572.50
    DALLAS           TX   75254          5            12/26/02         00
    0435277447                           05           02/01/03          0
    1000031404                           O            01/01/33
    0

    8345108          E23/G02             F          150,000.00         ZZ
                                         360        149,861.08          1
                                       6.375            935.80         48
                                       6.125            935.80
    LOS ANGELES      CA   91406          5            12/19/02         00
    0435287875                           05           02/01/03          0
    51022114                             O            01/01/33
    0

    8345177          P33/G02             F          103,500.00         ZZ
                                         360        103,415.16          1
                                       7.000            688.59         90
                                       6.750            688.59
    TAMPA            FL   33624          5            12/18/02         12
    0435330592                           05           02/01/03         25
    15630236                             O            01/01/33
    0

    8345262          L68/G02             F          185,000.00         ZZ
                                         360        185,000.00          1
                                       7.000          1,230.81         83
                                       6.750          1,230.81
    NEW BEDFORD      MA   02745          5            01/06/03         14
    0435254156                           05           03/01/03         12
    5235696                              O            02/01/33
    0

    8345299          N47/G02             F          220,000.00         ZZ
                                         360        219,791.25          1
                                       6.250          1,354.58         80
                                       6.000          1,354.58
    SAN JOSE         CA   95122          1            12/30/02         00
    0435261987                           01           02/01/03          0
    20501478                             O            01/01/33
    0

1

    8345346          E23/G02             F          343,000.00         ZZ
                                         360        342,682.32          1
                                       6.375          2,139.87         80
                                       6.125          2,139.87
    FOUNTAIN VALLEY  CA   92708          5            12/27/02         00
    0435294095                           05           02/01/03          0
    51022741                             O            01/01/33
    0

    8345350          E23/G02             F          364,000.00         ZZ
                                         360        364,000.00          1
                                       6.500          2,300.73         80
                                       6.250          2,300.73
    WESTMINSTER      CA   92683          5            01/01/03         00
    0435273420                           05           03/01/03          0
    51023195                             O            02/01/33
    0

    8345363          G34/G02             F           75,950.00         ZZ
                                         360         75,877.93          1
                                       6.250            467.64         57
                                       6.000            467.64
    WEATHERFORD      TX   76087          2            12/16/02         00
    0435194477                           05           02/01/03          0
    85209726                             O            01/01/33
    0

    8345372          E23/G02             F          332,000.00         ZZ
                                         360        332,000.00          1
                                       6.375          2,071.25         80
                                       6.125          2,071.25
    SALINAS          CA   93906          1            01/02/03         00
    0435276100                           05           03/01/03          0
    63000713                             O            02/01/33
    0

    8345379          M27/G02             F          145,800.00         ZZ
                                         360        145,800.00          1
                                       6.875            957.80         90
                                       6.625            957.80
    EASLEY           SC   29642          2            01/02/03         01
    0435218391                           05           03/01/03         25
    1                                    O            02/01/33
    0

    8345385          A06/G02             F          284,160.00         ZZ
                                         360        283,896.81          1
                                       6.375          1,772.79         80
                                       6.125          1,772.79
1

    NORTHVILLE       MI   48167          1            12/31/02         00
    0435215637                           05           02/01/03          0
    021000020232519                      O            01/01/33
    0

    8345613          E82/G02             F          209,100.00         ZZ
                                         360        209,100.00          1
                                       6.375          1,304.51         47
                                       6.125          1,304.51
    BEDFORD HILLS    NY   10507          2            01/06/03         00
    0400745378                           05           03/01/03          0
    1922800                              O            02/01/33
    0

    8345720          U66/G02             F          293,000.00         ZZ
                                         360        293,000.00          1
                                       6.250          1,804.05         87
                                       6.000          1,804.05
    THE WOODLANDS    TX   77382          2            01/16/03         11
    0435288998                           05           03/01/03         12
    604                                  O            02/01/33
    0

    8345739          E22/G02             F           82,400.00         ZZ
                                         360         82,400.00          1
                                       6.250            507.35         80
                                       6.000            507.35
    NAMPA            ID   83651          2            01/03/03         00
    0415751932                           03           03/01/03          0
    0415751932                           N            02/01/33
    0

    8345743          E22/G02             F          117,000.00         ZZ
                                         360        117,000.00          4
                                       7.750            838.20         90
                                       7.500            838.20
    HOUSTON          TX   77023          1            01/09/03         01
    0415780139                           05           03/01/03         25
    0415780139                           N            02/01/33
    0

    8345769          E22/G02             F          238,400.00         ZZ
                                         360        238,400.00          1
                                       6.875          1,566.12         80
                                       6.625          1,566.12
    RUNAWAY BAY      TX   76234          4            01/09/03         00
    0414163311                           05           03/01/03          0
    0414163311                           O            02/01/33
    0
1

    8345779          E22/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       7.375            911.69         53
                                       7.125            911.69
    BOSTON           MA   02108          5            01/09/03         00
    0415384999                           08           03/01/03          0
    0415384999                           N            02/01/33
    0

    8345785          E22/G02             F          210,000.00         ZZ
                                         360        210,000.00          2
                                       6.875          1,379.55         78
                                       6.625          1,379.55
    LONG BEACH       CA   90804          5            01/02/03         00
    0415476910                           05           03/01/03          0
    0415476910                           O            02/01/33
    0

    8345789          P09/G02             F          182,000.00         ZZ
                                         360        182,000.00          1
                                       6.125          1,105.85         72
                                       5.875          1,105.85
    HYATTSVILLE      MD   20782          5            01/02/03         00
    0435236963                           05           03/01/03          0
    R0212138                             O            02/01/33
    0

    8345809          E22/G02             F          170,905.00         ZZ
                                         360        170,905.00          1
                                       6.875          1,122.72         95
                                       6.625          1,122.72
    LOXAHATCHEE      FL   33470          1            01/09/03         10
    0415595248                           05           03/01/03         35
    0415595248                           O            02/01/33
    0

    8345831          E22/G02             F          587,000.00         ZZ
                                         360        586,456.32          1
                                       6.375          3,662.12         62
                                       6.125          3,662.12
    SAN DIMAS        CA   91773          2            12/20/02         00
    0415668151                           05           02/01/03          0
    0415668151                           O            01/01/33
    0

    8345835          E22/G02             F          508,000.00         ZZ
                                         360        508,000.00          1
1

                                       7.125          3,422.49         80
                                       6.875          3,422.49
    SANFRANCISCO     CA   94131          5            01/02/03         00
    0415684844                           05           03/01/03          0
    0415684844                           O            02/01/33
    0

    8345847          E22/G02             F          547,000.00         ZZ
                                         360        547,000.00          1
                                       6.375          3,412.57         79
                                       6.125          3,412.57
    PLEASANTON       CA   94566          5            12/30/02         00
    0415694496                           05           03/01/03          0
    0415694496                           O            02/01/33
    0

    8345855          E22/G02             F          155,000.00         ZZ
                                         360        155,000.00          1
                                       6.500            979.71         73
                                       6.250            979.71
    EDMONDS          WA   98026          2            12/31/02         00
    0415723204                           05           03/01/03          0
    0415723204                           N            02/01/33
    0

    8345859          E22/G02             F           82,400.00         ZZ
                                         360         82,400.00          1
                                       6.250            507.35         80
                                       6.000            507.35
    NAMPA            ID   83651          2            01/03/03         00
    0415734938                           03           03/01/03          0
    0415734938                           N            02/01/33
    0

    8345931          W93/G02             F          164,000.00         ZZ
                                         360        163,858.79          1
                                       6.750          1,063.71         80
                                       6.500          1,063.71
    CENTRAL POINT    OR   97502          1            12/16/02         00
    0435196019                           05           02/01/03          0
    1                                    O            01/01/33
    0

    8345939          U05/G02             F          120,000.00         ZZ
                                         360        119,886.14          1
                                       6.250            738.86         49
                                       6.000            738.86
    SEATTLE          WA   98148          5            12/12/02         00
    0435254735                           05           02/01/03          0
1

    3284201                              N            01/01/33
    0

    8346007          W93/G02             F          117,600.00         ZZ
                                         360        117,600.00          1
                                       6.250            724.09         80
                                       6.000            724.09
    COLORADO SPRING  CO   80918          1            01/03/03         00
    0435187711                           09           03/01/03          0
    77419333                             O            02/01/33
    0

    8346011          A06/G02             F          197,600.00         ZZ
                                         360        197,441.98          1
                                       7.125          1,331.27         80
                                       6.875          1,331.27
    HOLLY            MI   48442          5            12/31/02         00
    0435236609                           05           02/01/03          0
    0020230235                           O            01/01/33
    0

    8346019          G51/G02             F          322,700.00         ZZ
                                         360        322,700.00          1
                                       6.375          2,013.23         79
                                       6.125          2,013.23
    COLORADO SPRING  CO   80921          1            01/08/03         00
    0435232285                           03           03/01/03          0
    20003333                             O            02/01/33
    0

    8346091          W93/G02             F           95,200.00         ZZ
                                         360         95,121.96          1
                                       7.000            633.37         80
                                       6.750            633.37
    SUN CITY WEST    AZ   85375          1            12/17/02         00
    0435196274                           03           02/01/03          0
    55430830                             O            01/01/33
    0

    8346095          W93/G02             F          115,200.00         ZZ
                                         360        115,095.85          1
                                       6.500            728.15         80
                                       6.250            728.15
    PHOENIX          AZ   85015          1            12/17/02         00
    0435200134                           05           02/01/03          0
    55430784                             O            01/01/33
    0

1

    8346122          E23/G02             F          374,000.00         ZZ
                                         360        374,000.00          1
                                       6.375          2,333.27         82
                                       6.125          2,333.27
    SAN JOSE         CA   95122          5            01/15/03         04
    0435291109                           05           03/01/03         12
    61009174                             O            02/01/33
    0

    8346311          E82/G02             F          193,000.00         ZZ
                                         360        193,000.00          1
                                       7.250          1,316.60         84
                                       7.000          1,316.60
    COTATI           CA   94931          5            12/31/02         10
    0400740304                           01           03/01/03         12
    0400740304                           O            02/01/33
    0

    8346511          N47/G02             F          206,050.00         ZZ
                                         360        206,050.00          1
                                       6.375          1,285.48         78
                                       6.125          1,285.48
    OCEANSIDE        CA   92057          1            01/03/03         00
    0435261805                           01           03/01/03          0
    20500350                             O            02/01/33
    0

    8346577          E47/G02             F          152,000.00         ZZ
                                         240        151,699.25          1
                                       6.750          1,155.75         80
                                       6.500          1,155.75
    SAN ANTONIO      TX   78249          5            12/23/02         00
    0435222344                           05           02/01/03          0
    7328011622                           O            01/01/23
    0

    8346607          U05/G02             F           38,400.00         ZZ
                                         360         38,366.94          1
                                       6.750            249.06         80
                                       6.500            249.06
    HOLLYWOOD        FL   33023          1            01/02/03         00
    0435246715                           05           02/01/03          0
    3283495                              O            01/01/33
    0

    8346631          956/956             F          465,000.00         ZZ
                                         360        464,579.63          1
                                       6.500          2,939.12         70
                                       6.250          2,939.12
1

    LOS ANGELES      CA   90035          5            12/09/02         00
    812110004                            05           02/01/03          0
    812110004                            O            01/01/33
    0

    8346633          956/956             F          419,000.00         ZZ
                                         360        418,592.76          1
                                       6.125          2,545.89         65
                                       5.875          2,545.89
    ENGLEWOOD        CO   80110          2            12/06/02         00
    4312110369                           05           02/01/03          0
    4312110369                           O            01/01/33
    0

    8346635          956/956             F          545,000.00         ZZ
                                         360        544,482.88          1
                                       6.250          3,355.66         80
                                       6.000          3,355.66
    WESTBOROUGH      MA   01581          2            12/16/02         00
    2812110086                           05           02/01/03          0
    2812110086                           O            01/01/33
    0

    8346637          956/956             F          422,000.00         ZZ
                                         360        421,599.59          1
                                       6.250          2,598.33         79
                                       6.000          2,598.33
    SAN DIEGO        CA   92129          2            12/18/02         00
    1512120107                           05           02/01/03          0
    1512120107                           O            01/01/33
    0

    8346639          956/956             F          600,000.00         ZZ
                                         360        599,444.28          1
                                       6.375          3,743.22         74
                                       6.125          3,743.22
    HUNTINGTON BEAC  CA   92648          2            12/13/02         00
    612100101                            03           02/01/03          0
    612100101                            O            01/01/33
    0

    8346641          956/956             F          650,000.00         ZZ
                                         360        649,368.24          1
                                       6.125          3,949.47         79
                                       5.875          3,949.47
    REDMOND          WA   98052          2            12/18/02         00
    1712100169                           05           02/01/03          0
    1712100169                           O            01/01/33
    0
1

    8346643          956/956             F          336,000.00         ZZ
                                         360        334,839.22          1
                                       6.125          2,041.57         80
                                       5.875          2,041.57
    WALNUT           CA   91789          2            12/20/02         00
    612110215                            05           02/01/03          0
    612110215                            O            01/01/33
    0

    8346645          956/956             F          349,000.00         ZZ
                                         360        348,668.86          1
                                       6.250          2,148.85         79
                                       6.000          2,148.85
    BRENTWOOD        CA   94513          2            12/14/02         00
    112100546                            05           02/01/03          0
    112100546                            O            01/01/33
    0

    8346647          956/956             F          404,000.00         ZZ
                                         360        403,607.33          1
                                       6.125          2,454.75         80
                                       5.875          2,454.75
    SANTA ROSA       CA   95405          2            12/10/02         00
    812110087                            05           02/01/03          0
    812110087                            O            01/01/33
    0

    8346649          956/956             F          385,000.00         ZZ
                                         360        384,634.70          1
                                       6.250          2,370.51         80
                                       6.000          2,370.51
    SANTA ROSA       CA   95405          2            12/13/02         00
    812100194                            05           02/01/03          0
    812100194                            O            01/01/33
    0

    8346651          956/956             F          504,000.00         ZZ
                                         360        502,994.03          1
                                       6.000          3,021.73         80
                                       5.750          3,021.73
    OVERLAND PARK    KS   66221          2            11/29/02         00
    4312110169                           05           01/01/03          0
    4312110169                           O            12/01/32
    0

    8346653          956/956             F          400,000.00         ZZ
                                         360        399,629.52          1
1

                                       6.375          2,495.48         66
                                       6.125          2,495.48
    SANTA ROSA       CA   95404          5            12/10/02         00
    812100239                            03           02/01/03          0
    812100239                            O            01/01/33
    0

    8346655          956/956             F          370,450.00         ZZ
                                         360        370,098.51          1
                                       6.250          2,280.92         78
                                       6.000          2,280.92
    SAN CLEMENTE     CA   92672          2            12/11/02         00
    712110020                            05           02/01/03          0
    712110020                            O            01/01/33
    0

    8346657          956/956             F          343,381.00         ZZ
                                         360        343,039.17          1
                                       6.000          2,058.74         79
                                       5.750          2,058.74
    PISMO BEACH      CA   93449          2            12/06/02         00
    1112120208                           05           02/01/03          0
    1112120208                           O            01/01/33
    0

    8346661          956/956             F          561,900.00         ZZ
                                         360        561,366.85          1
                                       6.250          3,459.71         74
                                       6.000          3,459.71
    PORTLAND         OR   97266          2            12/18/02         00
    1412110038                           03           02/01/03          0
    1412110038                           O            01/01/33
    0

    8346695          U05/G02             F          128,000.00         ZZ
                                         360        128,000.00          1
                                       6.875            840.87         80
                                       6.625            840.87
    POMONA           CA   91767          5            01/02/03         00
    0435258843                           05           03/01/03          0
    3294646                              O            02/01/33
    0

    8346745          X82/G02             F          295,100.00         ZZ
                                         360        294,833.23          1
                                       6.500          1,865.23         80
                                       6.250          1,865.23
    ROUND HILL       VA   20141          1            12/20/02         00
    0435186606                           05           02/01/03          0
1

    846294                               O            01/01/33
    0

    8346747          K15/G02             F           91,000.00         ZZ
                                         360         90,934.14          1
                                       7.625            644.09         83
                                       7.375            644.09
    LEWISTON         ME   04240          5            12/18/02         10
    0435221635                           05           02/01/03         12
    007705301910                         O            01/01/33
    0

    8346851          956/956             F          395,000.00         ZZ
                                         360        393,927.87          1
                                       5.875          2,336.57         77
                                       5.625          2,336.57
    SAN FRANCISCO    CA   94134          2            11/27/02         00
    112100553                            05           01/01/03          0
    112100553                            O            12/01/32
    0

    8346890          E23/G02             F          555,000.00         ZZ
                                         360        555,000.00          1
                                       6.250          3,417.23         80
                                       6.000          3,417.23
    SALINAS          CA   93908          2            01/13/03         00
    0435335229                           05           03/01/03          0
    63000678                             O            02/01/33
    0

    8346959          K15/G02             F          166,200.00         ZZ
                                         360        166,079.71          1
                                       7.625          1,176.35         95
                                       7.375          1,176.35
    SOUTHFIELD       MI   48034          5            12/26/02         41
    0435222500                           05           02/01/03         30
    035005507736                         O            01/01/33
    0

    8347116          E23/G02             F          372,000.00         ZZ
                                         360        372,000.00          1
                                       6.250          2,290.47         80
                                       6.000          2,290.47
    NAPA             CA   94558          2            01/20/03         00
    0435298740                           05           03/01/03          0
    62005259                             O            02/01/33
    0

1

    8347412          E23/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.500          2,528.27         75
                                       6.250          2,528.27
    NEWPORT BEACH    CA   92663          5            01/22/03         00
    0435320551                           03           03/01/03          0
    64000501                             N            02/01/33
    0

    8347475          Q30/G02             F          173,000.00         ZZ
                                         360        172,854.66          1
                                       6.875          1,136.49         62
                                       6.625          1,136.49
    MOUNT LAUREL     NJ   08054          5            12/27/02         00
    0435252309                           05           02/01/03          0
    21016093                             O            01/01/33
    0

    8347513          F25/G02             F          172,000.00         ZZ
                                         360        172,000.00          2
                                       6.500          1,087.16         35
                                       6.250          1,087.16
    SCARSDALE        NY   10583          2            01/10/03         00
    0435224787                           05           03/01/03          0
    0656563                              O            02/01/33
    0

    8347561          A06/G02             F          300,000.00         ZZ
                                         360        299,728.80          1
                                       6.500          1,896.20         55
                                       6.250          1,896.20
    WASHINGTON TWP.  MI   48095          5            01/06/03         00
    0435199492                           05           02/01/03          0
    021000020230904                      O            01/01/33
    0

    8347563          U05/G02             F          200,000.00         ZZ
                                         360        199,819.19          1
                                       6.500          1,264.14         79
                                       6.250          1,264.14
    FORT WORTH       TX   76110          5            12/31/02         00
    0435205786                           05           02/01/03          0
    3296392                              O            01/01/33
    0

    8347569          E47/G02             F          375,000.00         ZZ
                                         360        374,660.99          1
                                       6.500          2,370.26         89
                                       6.250          2,370.26
1

    SAN JOSE         CA   95111          5            12/17/02         11
    0435242011                           05           02/01/03         25
    7359512807                           O            01/01/33
    0

    8347615          X82/G02             F          166,250.00         ZZ
                                         360        166,096.02          1
                                       6.375          1,037.18         41
                                       6.125          1,037.18
    HAYMARKET        VA   20169          1            01/02/03         00
    0435204888                           05           02/01/03          0
    833629                               O            01/01/33
    0

    8347641          Q30/G02             F          122,400.00         ZZ
                                         360        122,289.34          1
                                       6.500            773.66         80
                                       6.250            773.66
    PHILADELPHIA     PA   19116          1            01/03/03         00
    0435241609                           07           02/01/03          0
    21019349                             O            01/01/33
    0

    8347653          E47/G02             F          111,600.00         ZZ
                                         360        111,499.11          1
                                       6.500            705.39         90
                                       6.250            705.39
    CHARLOTTE        NC   28262          1            12/31/02         26
    0435239553                           05           02/01/03         25
    7350510571                           O            01/01/33
    0

    8347661          W17/G02             F           97,750.00         ZZ
                                         360         97,750.00          1
                                       7.250            666.83         85
                                       7.000            666.83
    SUNRISE          FL   33326          1            01/08/03         02
    0435272216                           01           03/01/03         12
    020406                               O            02/01/33
    0

    8347663          A21/G02             F          124,000.00         ZZ
                                         360        124,000.00          1
                                       6.500            783.77         80
                                       6.250            783.77
    STATEN ISLAND    NY   10306          1            01/07/03         00
    0435241344                           01           03/01/03          0
    7890000027                           N            02/01/33
    0
1

    8347713          R26/G02             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.750          2,724.11         78
                                       6.500          2,724.11
    NORWALK          CT   06855          5            12/30/02         00
    0435196852                           05           03/01/03          0
    005797000                            O            02/01/33
    0

    8347788          R68/G02             F          251,250.00         ZZ
                                         360        251,250.00          1
                                       6.125          1,526.62         78
                                       5.875          1,526.62
    AVENTURA         FL   33180          5            01/27/03         00
    0435328588                           01           03/01/03          0
    7640834                              O            02/01/33
    0

    8348027          H93/G02             F           79,920.00         ZZ
                                         360         79,844.17          1
                                       6.250            492.08         80
                                       6.000            492.08
    SHAWNEE          KS   66203          1            12/31/02         00
    0435245618                           05           02/01/03          0
    2002002243                           O            01/01/33
    0

    8348649          W93/G02             F           83,600.00         ZZ
                                         360         83,526.24          1
                                       6.625            535.30         80
                                       6.375            535.30
    PHOENIX          AZ   85042          1            12/19/02         00
    0435224886                           05           02/01/03          0
    35436384                             O            01/01/33
    0

    8349107          944/G02             F          101,000.00         ZZ
                                         360        100,904.16          1
                                       6.250            621.88         67
                                       6.000            621.88
    PIONEER          CA   95666          5            12/20/02         00
    0435193529                           05           02/01/03          0
    W02034442                            O            01/01/33
    0

    8350243          E82/G02             F          147,400.00         ZZ
                                         360        147,400.00          1
1

                                       6.500            931.67         80
                                       6.250            931.67
    HORTONVILLE      WI   54944          2            01/10/03         00
    0400761631                           05           03/01/03          0
    7715545                              N            02/01/33
    0

    8350265          E82/G02             F          175,100.00         ZZ
                                         360        175,100.00          1
                                       6.375          1,092.40         88
                                       6.125          1,092.40
    CHICAGO          IL   60655          2            01/08/03         04
    0400743662                           05           03/01/03         25
    5403554                              O            02/01/33
    0

    8350465          E22/G02             F           53,550.00         ZZ
                                         360         53,550.00          2
                                       7.750            383.64         90
                                       7.500            383.64
    DAYTON           OH   45406          1            01/10/03         04
    0413825225                           05           03/01/03         25
    0413825225                           N            02/01/33
    0

    8350469          E22/G02             F          101,150.00         ZZ
                                         360        101,150.00          1
                                       7.000            672.95         85
                                       6.750            672.95
    MIAMI            FL   33186          5            01/06/03         04
    0415248301                           01           03/01/03         12
    0415248301                           O            02/01/33
    0

    8350491          E22/G02             F           61,000.00         ZZ
                                         360         61,000.00          1
                                       7.375            421.31         88
                                       7.125            421.31
    WARRENVILLE      SC   29851          5            01/03/03         10
    0415480359                           05           03/01/03         25
    0415480359                           O            02/01/33
    0

    8350501          E22/G02             F          252,000.00         ZZ
                                         360        252,000.00          1
                                       6.625          1,613.58         60
                                       6.375          1,613.58
    FOX ISLAND       WA   98333          2            12/31/02         00
    0415534858                           05           03/01/03          0
1

    0415534858                           O            02/01/33
    0

    8350519          E22/G02             F           54,000.00         ZZ
                                         360         54,000.00          1
                                       7.625            382.21         90
                                       7.375            382.21
    NORTHWOOD        OH   43619          1            01/10/03         04
    0415585306                           05           03/01/03         25
    0415585306                           O            02/01/33
    0

    8350521          144/144             F           90,000.00         ZZ
                                         360         89,914.60          1
                                       6.250            554.15         68
                                       6.000            554.15
    CLERMONT         NY   12526          5            12/02/02         00
    160689562                            05           02/01/03          0
    160689562                            O            01/01/33
    0

    8350531          E22/G02             F           79,200.00         ZZ
                                         360         79,135.08          1
                                       7.000            526.92         90
                                       6.750            526.92
    KALAMAZOO        MI   49007          5            12/26/02         04
    0415606482                           05           02/01/03         25
    0415606482                           O            01/01/33
    0

    8350539          E22/G02             F           91,535.00         ZZ
                                         360         91,535.00          1
                                       7.500            640.03         89
                                       7.250            640.03
    NORTH PORT       FL   34286          1            01/10/03         10
    0415629419                           05           03/01/03         25
    0415629419                           N            02/01/33
    0

    8350541          E22/G02             F          544,575.00         ZZ
                                         360        544,575.00          1
                                       6.125          3,308.90         75
                                       5.875          3,308.90
    SUMNER           WA   98390          5            12/30/02         00
    0415634872                           05           03/01/03          0
    0415634872                           O            02/01/33
    0

1

    8350545          E22/G02             F           88,800.00         ZZ
                                         240         88,800.00          1
                                       6.125            642.61         80
                                       5.875            642.61
    ANDERSON         CA   96007          5            01/02/03         00
    0415639418                           05           03/01/03          0
    0415639418                           O            02/01/23
    0

    8350575          E22/G02             F          195,000.00         ZZ
                                         360        195,000.00          1
                                       6.250          1,200.65         47
                                       6.000          1,200.65
    GRANITE BAY      CA   95746          5            01/02/03         00
    0415668854                           05           03/01/03          0
    0415668854                           O            02/01/33
    0

    8350585          E22/G02             F           48,972.00         ZZ
                                         360         48,972.00          1
                                       6.750            317.63         80
                                       6.500            317.63
    CARSON CITY      NV   89703          2            01/06/03         00
    0415683127                           09           03/01/03          0
    0415683127                           O            02/01/33
    0

    8350593          E22/G02             F          239,000.00         ZZ
                                         360        239,000.00          1
                                       6.125          1,452.19         54
                                       5.875          1,452.19
    HORSESHOE BAY    TX   78657          5            01/06/03         00
    0415696152                           03           03/01/03          0
    0415696152                           O            02/01/33
    0

    8350597          E22/G02             F          335,000.00         ZZ
                                         360        335,000.00          1
                                       6.375          2,089.96         78
                                       6.125          2,089.96
    MILPITAS         CA   95035          2            01/02/03         00
    0415703131                           01           03/01/03          0
    0415703131                           O            02/01/33
    0

    8350607          E22/G02             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.750          2,270.09         70
                                       6.500          2,270.09
1

    LOVELAND         CO   80537          5            01/06/03         00
    0415710979                           05           03/01/03          0
    0415710979                           O            02/01/33
    0

    8350611          E22/G02             F           96,000.00         ZZ
                                         360         96,000.00          1
                                       7.000            638.69         73
                                       6.750            638.69
    WEST VALLEY CIT  UT   84120          2            01/07/03         00
    0415720309                           05           03/01/03          0
    0415720309                           N            02/01/33
    0

    8350643          E22/G02             F          210,000.00         ZZ
                                         360        210,000.00          1
                                       6.250          1,293.01         62
                                       6.000          1,293.01
    DENVER           CO   80210          5            01/06/03         00
    0415754415                           05           03/01/03          0
    0415754415                           O            02/01/33
    0

    8350645          144/144             F          107,920.00         ZZ
                                         360        107,817.60          1
                                       6.250            664.48         80
                                       6.000            664.48
    KINGSTON         NY   12401          1            12/05/02         00
    01                                   05           02/01/03          0
    01                                   O            01/01/33
    0

    8350647          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       6.500            556.22         93
                                       6.250            556.22
    NORMAN           OK   73071          2            01/06/03         01
    0415754936                           05           03/01/03         30
    0415754936                           O            02/01/33
    0

    8350651          E22/G02             F           67,000.00         ZZ
                                         360         67,000.00          1
                                       6.750            434.56         64
                                       6.500            434.56
    PUEBLO           CO   81005          5            01/06/03         00
    0415757582                           05           03/01/03          0
    0415757582                           O            02/01/33
    0
1

    8350653          E22/G02             F          127,200.00         ZZ
                                         360        127,200.00          1
                                       6.875            835.61         80
                                       6.625            835.61
    WINNSBORO        LA   71295          1            01/10/03         00
    0415758523                           05           03/01/03          0
    0415758523                           O            02/01/33
    0

    8350659          E22/G02             F           55,900.00         ZZ
                                         360         55,900.00          1
                                       7.750            400.47         65
                                       7.500            400.47
    GRAND RAPIDS     MI   49504          5            01/06/03         00
    0415763754                           05           03/01/03          0
    0415763754                           O            02/01/33
    0

    8350661          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       7.125            673.72         80
                                       6.875            673.72
    CORAM            NY   11727          1            01/10/03         00
    0415765189                           05           03/01/03          0
    0415765189                           N            02/01/33
    0

    8350675          E22/G02             F           65,000.00         ZZ
                                         360         65,000.00          1
                                       6.375            405.52         36
                                       6.125            405.52
    PISCATAWAY       NJ   08444          5            01/10/03         00
    0415784552                           01           03/01/03          0
    0415784552                           N            02/01/33
    0

    8350677          E22/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       6.625          1,126.95         80
                                       6.375          1,126.95
    STERLING HEIGHT  MI   48310          2            01/06/03         00
    0415784677                           05           03/01/03          0
    0415784677                           O            02/01/33
    0

    8350683          E22/G02             F          248,000.00         ZZ
                                         360        248,000.00          1
1

                                       6.125          1,506.87         70
                                       5.875          1,506.87
    CANBY            OR   97013          2            01/03/03         00
    0415793579                           05           03/01/03          0
    0415793579                           N            02/01/33
    0

    8350689          E22/G02             F          536,250.00         ZZ
                                         360        536,250.00          1
                                       6.625          3,433.67         75
                                       6.375          3,433.67
    ORANGE           CA   92867          2            01/02/03         00
    0415797554                           03           03/01/03          0
    0415797554                           O            02/01/33
    0

    8350697          E22/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       7.750            515.82         80
                                       7.500            515.82
    CLEARWATER       FL   33756          2            01/10/03         00
    0415798974                           05           03/01/03          0
    0415798974                           N            02/01/33
    0

    8350699          E22/G02             F           51,210.00         ZZ
                                         360         51,210.00          1
                                       7.750            366.87         90
                                       7.500            366.87
    HIGHLAND SPRING  VA   23075          1            01/10/03         04
    0415805084                           09           03/01/03         25
    0415805084                           N            02/01/33
    0

    8350701          E22/G02             F           52,110.00         ZZ
                                         360         52,110.00          1
                                       7.500            364.36         90
                                       7.250            364.36
    DANVILLE         KY   40422          1            01/10/03         04
    0415808591                           05           03/01/03         25
    0415808591                           N            02/01/33
    0

    8350713          E22/G02             F           37,200.00         ZZ
                                         360         37,200.00          1
                                       7.125            250.62         80
                                       6.875            250.62
    GREENTOWN        PA   18426          1            01/10/03         00
    0415814359                           03           03/01/03          0
1

    0415814359                           N            02/01/33
    0

    8350715          E22/G02             F          183,200.00         ZZ
                                         360        183,200.00          1
                                       6.250          1,127.99         80
                                       6.000          1,127.99
    FORT WORTH       TX   76110          1            01/10/03         00
    0415816073                           05           03/01/03          0
    0415816073                           O            02/01/33
    0

    8350723          E22/G02             F          244,000.00         ZZ
                                         360        244,000.00          1
                                       5.875          1,443.35         80
                                       5.625          1,443.35
    GRASS VALLEY     CA   95949          1            01/06/03         00
    0415829464                           05           03/01/03          0
    0415829464                           O            02/01/33
    0

    8350725          E22/G02             F           54,400.00         ZZ
                                         360         54,400.00          1
                                       6.500            343.85         80
                                       6.250            343.85
    PUEBLO           CO   81003          2            01/10/03         00
    0415832351                           05           03/01/03          0
    0415832351                           N            02/01/33
    0

    8351027          W08/G02             F          164,900.00         ZZ
                                         360        164,750.20          1
                                       6.475          1,039.57         85
                                       6.225          1,039.57
    NICEVILLE        FL   32578          5            12/20/02         10
    0435240742                           05           02/01/03         12
    022143MG                             O            01/01/33
    0

    8351127          144/144             F          425,000.00         ZZ
                                         360        423,412.86          1
                                       6.375          2,651.45         56
                                       6.125          2,651.45
    POUGHQUAG        NY   12570          5            09/11/02         00
    1                                    05           11/01/02          0
    1                                    O            10/01/32
    0

1

    8351419          E82/G02             F           75,000.00         ZZ
                                         360         75,000.00          1
                                       6.750            486.45         51
                                       6.500            486.45
    ASBURY           NJ   08802          2            01/06/03         00
    0400746608                           05           03/01/03          0
    1713175                              O            02/01/33
    0

    8351461          X67/G02             F          100,000.00         ZZ
                                         360         99,923.90          1
                                       7.375            690.68         80
                                       7.125            690.68
    HESPERIA         CA   92345          5            12/17/02         00
    0435257340                           05           02/01/03          0
    00281992                             N            01/01/33
    0

    8351469          X67/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       6.375            823.51        100
                                       6.125            823.51
    BLAINE           TN   37709          2            12/31/02         11
    0435269535                           05           03/01/03         35
    00241408                             O            02/01/33
    0

    8351657          950/G02             F           96,720.00         ZZ
                                         360         96,640.72          1
                                       7.000            643.48         80
                                       6.750            643.48
    NAMPA            ID   83651          1            12/07/02         00
    0435216742                           03           02/01/03          0
    EW211303                             O            01/01/33
    0

    8351663          S27/G02             F          177,500.00         ZZ
                                         360        177,339.53          1
                                       6.500          1,121.93         83
                                       6.250          1,121.93
    ORLANDO          FL   32818          2            12/30/02         10
    0435254313                           05           02/01/03         12
    1300001050                           O            01/01/33
    0

    8351705          U35/G02             F           44,000.00         ZZ
                                         360         43,967.35          1
                                       7.500            307.65         76
                                       7.250            307.65
1

    FOND DU LAC      WI   54937          1            12/11/02         00
    0435320064                           05           02/01/03          0
    0010272207                           N            01/01/33
    0

    8351719          E47/G02             F          205,000.00         ZZ
                                         360        204,805.49          2
                                       6.250          1,262.22         79
                                       6.000          1,262.22
    INGLEWOOD        CA   90305          5            12/23/02         00
    0435288865                           05           02/01/03          0
    7331014741                           O            01/01/33
    0

    8351977          950/G02             F          268,000.00         ZZ
                                         360        267,769.26          1
                                       6.750          1,738.24         80
                                       6.500          1,738.24
    VANCOUVER        WA   98685          5            12/17/02         00
    0435219837                           05           02/01/03          0
    EY210018                             O            01/01/33
    0

    8353095          642/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.750          2,594.39         80
                                       6.500          2,594.39
    ALAMO            CA   94507          5            01/06/03         00
    0435215843                           09           03/01/03          0
    12131302                             O            02/01/33
    0

    8353107          E82/G02             F          109,300.00         ZZ
                                         360        109,300.00          1
                                       6.500            690.85         52
                                       6.250            690.85
    DAVIE            FL   33331          2            01/07/03         00
    0400745998                           03           03/01/03          0
    1716592                              O            02/01/33
    0

    8353115          E82/G02             F          120,850.00         ZZ
                                         360        120,850.00          1
                                       6.375            753.95         49
                                       6.125            753.95
    NEWPORT          RI   02840          2            01/07/03         00
    0400755468                           05           03/01/03          0
    5085302                              O            02/01/33
    0
1

    8353137          E45/G02             F           54,400.00         ZZ
                                         360         54,308.33          1
                                       6.875            357.37         80
                                       6.625            357.37
    JACKSONVILLE     FL   32208          2            11/14/02         00
    0435323233                           05           01/01/03          0
    298476                               N            12/01/32
    0

    8353151          E82/G02             F           56,000.00         ZZ
                                         360         56,000.00          1
                                       6.500            353.96         80
                                       6.250            353.96
    KINGSPORT        TN   37660          5            01/07/03         00
    0400749859                           05           03/01/03          0
    0400749859                           O            02/01/33
    0

    8353169          A06/G02             F          190,000.00         ZZ
                                         360        190,000.00          1
                                       6.000          1,139.15         59
                                       5.750          1,139.15
    FARMINGTON HILL  MI   48334          2            01/07/03         00
    0435200019                           05           03/01/03          0
    021000020231758                      O            02/01/33
    0

    8353291          N74/G02             F           55,100.00         ZZ
                                         360         55,050.19          1
                                       6.500            348.27         95
                                       6.250            348.27
    NORTH WILKESBOR  NC   28659          1            01/09/03         10
    0435273859                           05           02/09/03         30
    0031501010                           O            01/09/33
    0

    8353383          E57/G02             F          136,800.00         ZZ
                                         360        136,673.30          1
                                       6.375            853.45         80
                                       6.125            853.45
    SANTA ANA        CA   92705          5            12/27/02         00
    0435281225                           01           02/01/03          0
    06012678                             O            01/01/33
    0

    8353395          S11/G02             F          390,000.00         ZZ
                                         360        389,638.79          1
1

                                       6.375          2,433.09         78
                                       6.125          2,433.09
    LAKE FOREST      CA   92630          5            12/23/02         00
    0435202791                           03           02/01/03          0
    10209724                             O            01/01/33
    0

    8353409          N47/G02             F          184,000.00         ZZ
                                         360        184,000.00          1
                                       6.500          1,163.01         80
                                       6.250          1,163.01
    RODEO            CA   94572          1            01/03/03         00
    0435289749                           05           03/01/03          0
    90500206                             N            02/01/33
    0

    8353519          758/G02             F          540,000.00         ZZ
                                         360        539,511.83          1
                                       6.500          3,413.17         79
                                       6.250          3,413.17
    BELLAIRE         TX   77401          1            12/09/02         00
    0435229109                           05           02/01/03          0
    161068                               O            01/01/33
    0

    8353545          U05/G02             F          493,000.00         ZZ
                                         360        492,532.22          1
                                       6.250          3,035.49         80
                                       6.000          3,035.49
    LOOMIS           CA   95650          5            12/05/02         00
    0435233184                           05           02/01/03          0
    3281858                              O            01/01/33
    0

    8353565          E47/G02             F          322,700.00         ZZ
                                         360        322,700.00          1
                                       6.250          1,986.92         56
                                       6.000          1,986.92
    LAGUNA NIGUEL    CA   92677          2            01/02/03         00
    0435266754                           01           03/01/03          0
    7331014773                           O            02/01/33
    0

    8353591          U05/G02             F          135,000.00         ZZ
                                         360        134,871.90          1
                                       6.250            831.22         67
                                       6.000            831.22
    SAN ANTONIO      TX   78209          5            12/27/02         00
    0435229356                           05           02/01/03          0
1

    3295946                              O            01/01/33
    0

    8353623          N47/G02             F          394,000.00         ZZ
                                         360        394,000.00          1
                                       6.375          2,458.05         84
                                       6.125          2,458.05
    SAN JOSE         CA   95133          2            01/01/03         04
    0435274022                           05           03/01/03         12
    20500397                             O            02/01/33
    0

    8353647          U05/G02             F          337,000.00         ZZ
                                         360        336,164.49          1
                                       7.000          2,242.07         77
                                       6.750          2,242.07
    LEWISVILLE       TX   75056          5            11/01/02         00
    0435239280                           03           12/01/02          0
    3277676                              O            11/01/32
    0

    8353701          M96/G02             F          224,000.00         ZZ
                                         360        224,000.00          1
                                       6.625          1,434.30         80
                                       6.375          1,434.30
    BLOOMFIELD HILL  MI   48304          5            01/03/03         00
    0435284286                           05           03/01/03          0
    200203297                            O            02/01/33
    0

    8353711          U05/G02             F          360,000.00         ZZ
                                         360        359,658.42          1
                                       6.250          2,216.58         80
                                       6.000          2,216.58
    FREMONT          CA   94555          5            12/27/02         00
    0435214853                           05           02/01/03          0
    3297110                              O            01/01/33
    0

    8353731          A06/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       6.500            707.92         80
                                       6.250            707.92
    ROYAL OAK        MI   48067          1            01/10/03         00
    0435197884                           05           03/01/03          0
    001000010202262                      N            02/01/33
    0

1

    8353761          N74/G02             F           76,800.00         ZZ
                                         360         76,743.00          1
                                       7.500            537.00         87
                                       7.250            537.00
    WAYNESBORO       VA   22980          2            01/09/03         10
    0435274121                           05           02/14/03         25
    0031504010                           O            01/14/33
    0

    8353785          E45/G02             F           58,400.00         ZZ
                                         360         58,301.58          1
                                       6.875            383.65         80
                                       6.625            383.65
    JACKSONVILLE     FL   32208          2            11/14/02         00
    0435322151                           05           01/01/03          0
    298474                               N            12/01/32
    0

    8353823          Q87/G02             F          187,000.00         ZZ
                                         360        186,835.02          1
                                       6.625          1,197.38         84
                                       6.375          1,197.38
    MOBILE           AL   36609          2            01/08/03         04
    0435272851                           05           02/13/03         12
    WIMA11                               O            01/13/33
    0

    8353913          964/G02             F           80,000.00         ZZ
                                         360         79,861.85          1
                                       6.750            518.88         67
                                       6.500            518.88
    VISALIA          CA   93277          5            11/22/02         00
    0435178546                           05           01/01/03          0
    282894                               N            12/01/32
    0

    8354073          964/G02             F           74,400.00         ZZ
                                         360         74,337.49          1
                                       6.875            488.76         80
                                       6.625            488.76
    NORTH LAS VEGAS  NV   89030          5            12/04/02         00
    0435179346                           05           02/01/03          0
    309725                               O            01/01/33
    0

    8354493          F36/G02             F          200,000.00         ZZ
                                         360        199,810.24          1
                                       6.250          1,231.43         49
                                       6.000          1,231.43
1

    TACOMA           WA   98403          2            12/24/02         00
    0435194832                           05           02/01/03          0
    06505603                             O            01/01/33
    0

    8354575          E82/G02             F          143,000.00         ZZ
                                         360        143,000.00          1
                                       6.375            892.13         60
                                       6.125            892.13
    CHICAGO          IL   60622          2            01/10/03         00
    0400759353                           05           03/01/03          0
    3374879                              O            02/01/33
    0

    8354577          E82/G02             F          168,950.00         ZZ
                                         360        168,950.00          4
                                       6.375          1,054.03         79
                                       6.125          1,054.03
    BLACK CANYON CI  AZ   85324          2            01/06/03         00
    0400752556                           05           03/01/03          0
    5461921                              N            02/01/33
    0

    8354613          E82/G02             F          187,500.00         ZZ
                                         360        187,500.00          1
                                       6.375          1,169.76         63
                                       6.125          1,169.76
    MAPLE PARK       IL   60151          2            01/10/03         00
    0400755880                           05           03/01/03          0
    2847690                              O            02/01/33
    0

    8354619          E82/G02             F          136,200.00         ZZ
                                         360        136,200.00          1
                                       6.375            849.71         69
                                       6.125            849.71
    BRADENTON        FL   34202          2            01/10/03         00
    0400759379                           05           03/01/03          0
    188980                               O            02/01/33
    0

    8354727          E82/G02             F          224,200.00         ZZ
                                         360        224,200.00          1
                                       6.375          1,398.72         75
                                       6.125          1,398.72
    BRIDGEWATER      MA   02324          2            01/10/03         00
    0400760765                           05           03/01/03          0
    3999261                              O            02/01/33
    0
1

    8354745          E82/G02             F           92,700.00         ZZ
                                         360         92,700.00          2
                                       6.375            578.33         72
                                       6.125            578.33
    EAST GRAND RAPI  MI   49506          2            01/10/03         00
    0400762548                           05           03/01/03          0
    5249415                              O            02/01/33
    0

    8354781          A06/G02             F          110,700.00         ZZ
                                         360        110,700.00          1
                                       6.250            681.60         86
                                       6.000            681.60
    PONTAIC          MI   48340          5            01/06/03         11
    0435198080                           05           03/01/03         25
    021000020231460                      O            02/01/33
    0

    8354829          E22/G02             F          195,950.00         ZZ
                                         360        195,950.00          1
                                       6.250          1,206.50         80
                                       6.000          1,206.50
    AFTON            WY   83110          5            01/08/03         00
    0415495712                           05           03/01/03          0
    0415495712                           O            02/01/33
    0

    8354839          E22/G02             F          161,405.00         ZZ
                                         360        161,405.00          1
                                       6.875          1,060.32         95
                                       6.625          1,060.32
    LAKE WORTH       FL   33461          1            01/13/03         10
    0415273507                           05           03/01/03         30
    0415273507                           O            02/01/33
    0

    8354897          E22/G02             F          142,500.00         ZZ
                                         360        142,500.00          3
                                       6.750            924.25         75
                                       6.500            924.25
    NEW BEDFORD      MA   02740          5            01/08/03         00
    0415491539                           05           03/01/03          0
    0415491539                           O            02/01/33
    0

    8354899          E22/G02             F          310,000.00         ZZ
                                         360        310,000.00          1
1

                                       6.250          1,908.72         69
                                       6.000          1,908.72
    GILROY           CA   95020          2            01/03/03         00
    0415493196                           03           03/01/03          0
    0415493196                           O            02/01/33
    0

    8354909          E22/G02             F          336,000.00         ZZ
                                         360        336,000.00          2
                                       6.750          2,179.29         80
                                       6.500          2,179.29
    CHICAGO          IL   60630          5            01/08/03         00
    0415502947                           05           03/01/03          0
    0415502947                           O            02/01/33
    0

    8354919          E22/G02             F          224,000.00         ZZ
                                         360        224,000.00          1
                                       6.500          1,415.83         80
                                       6.250          1,415.83
    MIAMI            FL   33196          2            01/07/03         00
    0415537372                           05           03/01/03          0
    0415537372                           O            02/01/33
    0

    8354921          E22/G02             F           36,300.00         ZZ
                                         360         36,300.00          1
                                       7.750            260.06         76
                                       7.500            260.06
    BIRMINGHAM       AL   35206          2            01/07/03         00
    0415539212                           05           03/01/03          0
    0415539212                           N            02/01/33
    0

    8354929          E22/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       7.750          2,154.25         61
                                       7.500          2,154.25
    BLOOMFIELD HILL  MI   48302          5            01/07/03         00
    0415564376                           05           03/01/03          0
    0415564376                           O            02/01/33
    0

    8354939          E22/G02             F          224,000.00         ZZ
                                         360        224,000.00          1
                                       6.500          1,415.83         80
                                       6.250          1,415.83
    CEDAR CREEK      TX   78612          5            01/06/03         00
    0415587161                           05           03/01/03          0
1

    0415587161                           O            02/01/33
    0

    8354955          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.625            691.54         80
                                       6.375            691.54
    THE COLONY       TX   75056          5            01/08/03         00
    0415625466                           05           03/01/03          0
    0415625466                           O            02/01/33
    0

    8354961          E22/G02             F           81,000.00         ZZ
                                         360         81,000.00          1
                                       6.875            532.11         90
                                       6.625            532.11
    HUEYTOWN         AL   35023          5            01/08/03         04
    0415640929                           05           03/01/03         25
    0415640929                           O            02/01/33
    0

    8354963          E22/G02             F          197,000.00         ZZ
                                         360        197,000.00          1
                                       6.375          1,229.02         46
                                       6.125          1,229.02
    BUELLTON         CA   93427          2            01/06/03         00
    0415643808                           05           03/01/03          0
    0415643808                           N            02/01/33
    0

    8354965          E22/G02             F          143,800.00         ZZ
                                         360        143,800.00          1
                                       6.250            885.40         78
                                       6.000            885.40
    TAOS             NM   87571          5            01/08/03         00
    0415643923                           05           03/01/03          0
    0415643923                           O            02/01/33
    0

    8354967          E22/G02             F          177,000.00         ZZ
                                         360        177,000.00          1
                                       6.375          1,104.25         44
                                       6.125          1,104.25
    BUELLTON         CA   93427          2            01/06/03         00
    0415644434                           03           03/01/03          0
    0415644434                           N            02/01/33
    0

1

    8354977          E22/G02             F          232,000.00         ZZ
                                         360        232,000.00          1
                                       6.625          1,485.52         80
                                       6.375          1,485.52
    BOTHELL          WA   98011          5            01/06/03         00
    0415658954                           05           03/01/03          0
    0415658954                           O            02/01/33
    0

    8354987          E22/G02             F           64,000.00         ZZ
                                         360         64,000.00          1
                                       7.000            425.79         80
                                       6.750            425.79
    MISHAWAKA        IN   46544          5            01/13/03         00
    0415665793                           05           03/01/03          0
    0415665793                           N            02/01/33
    0

    8354991          E22/G02             F          182,000.00         ZZ
                                         360        182,000.00          1
                                       6.125          1,105.85         70
                                       5.875          1,105.85
    PORTLAND         OR   97214          5            01/02/03         00
    0415669456                           05           03/01/03          0
    0415669456                           O            02/01/33
    0

    8355023          E22/G02             F          208,000.00         ZZ
                                         360        208,000.00          1
                                       6.500          1,314.70         80
                                       6.250          1,314.70
    DALLAS           TX   75238          5            01/08/03         00
    0415699974                           05           03/01/03          0
    0415699974                           O            02/01/33
    0

    8355025          E22/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       6.375            848.46         85
                                       6.125            848.46
    FAIRBANKS        AK   99701          5            01/02/03         10
    0415700350                           05           03/01/03         12
    0415700350                           O            02/01/33
    0

    8355031          E22/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.500          1,011.31         77
                                       6.250          1,011.31
1

    FARMINGTON HILL  MI   48334          2            01/07/03         00
    0415704097                           05           03/01/03          0
    0415704097                           O            02/01/33
    0

    8355049          E22/G02             F          122,400.00         ZZ
                                         360        122,400.00          1
                                       6.875            804.08         85
                                       6.625            804.08
    ALBUQUERQUE      NM   87112          2            01/07/03         04
    0415717800                           05           03/01/03         25
    0415717800                           O            02/01/33
    0

    8355051          E22/G02             F          128,000.00         ZZ
                                         360        128,000.00          2
                                       6.750            830.21         80
                                       6.500            830.21
    OKLAHOMA         OK   73112          1            01/07/03         00
    0415717842                           05           03/01/03          0
    0415717842                           O            02/01/33
    0

    8355065          E22/G02             F          628,000.00         ZZ
                                         360        628,000.00          1
                                       6.125          3,815.79         51
                                       5.875          3,815.79
    UNIVERSITY PARK  TX   75225          5            01/08/03         00
    0415725985                           05           03/01/03          0
    0415725985                           O            02/01/33
    0

    8355075          E22/G02             F          165,000.00         ZZ
                                         360        165,000.00          1
                                       6.375          1,029.39         75
                                       6.125          1,029.39
    RENO             NV   89509          2            12/26/02         00
    0415478433                           03           03/01/03          0
    0415748433                           O            02/01/33
    0

    8355085          E22/G02             F          123,200.00         ZZ
                                         360        123,200.00          1
                                       6.500            778.71         80
                                       6.250            778.71
    AUSTIN           TX   78745          5            01/08/03         00
    0415762764                           05           03/01/03          0
    0415762764                           O            02/01/33
    0
1

    8355097          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          4
                                       6.750            700.49         90
                                       6.500            700.49
    BRYAN            TX   77801          1            01/13/03         10
    0415775493                           05           03/01/03         25
    0415775493                           N            02/01/33
    0

    8355103          E22/G02             F           72,900.00         ZZ
                                         360         72,900.00          2
                                       6.875            478.90         90
                                       6.625            478.90
    STAFFORD         TX   77477          1            01/10/03         01
    0415779800                           05           03/01/03         25
    0415779800                           N            02/01/33
    0

    8355109          E22/G02             F          178,600.00         ZZ
                                         360        178,600.00          1
                                       6.750          1,158.40         95
                                       6.500          1,158.40
    BARTLETT         TN   38133          5            01/08/03         01
    0415783976                           05           03/01/03         30
    0415783976                           O            02/01/33
    0

    8355111          E22/G02             F          184,000.00         ZZ
                                         360        184,000.00          1
                                       6.375          1,147.92         80
                                       6.125          1,147.92
    LAKE ALMANOR     CA   96137          5            01/03/03         00
    0415786318                           05           03/01/03          0
    0415786318                           O            02/01/33
    0

    8355113          E22/G02             F          107,000.00         ZZ
                                         360        107,000.00          1
                                       6.250            658.82         74
                                       6.000            658.82
    EUGENE           OR   97404          5            01/07/03         00
    0415786896                           05           03/01/03          0
    0415786896                           O            02/01/33
    0

    8355127          E22/G02             F           75,000.00         ZZ
                                         360         75,000.00          1
1

                                       6.375            467.90         46
                                       6.125            467.90
    ST CLAIR SHORES  MI   48082          1            01/13/03         00
    0415793116                           05           03/01/03          0
    0415793116                           O            02/01/33
    0

    8355129          E22/G02             F          137,700.00         ZZ
                                         360        137,700.00          1
                                       7.750            986.50         90
                                       7.500            986.50
    BALLWIN          MO   63011          1            01/13/03         01
    0415798362                           03           03/01/03         25
    0415798362                           N            02/01/33
    0

    8355139          E22/G02             F          157,500.00         ZZ
                                         360        157,500.00          1
                                       6.875          1,034.66         90
                                       6.625          1,034.66
    DELRAY BEACH     FL   33445          1            01/13/03         10
    0415805175                           05           03/01/03         25
    0415805175                           O            02/01/33
    0

    8355149          E22/G02             F          295,000.00         ZZ
                                         360        295,000.00          1
                                       6.625          1,888.92         79
                                       6.375          1,888.92
    SAN LEANDRO      CA   94577          5            01/02/03         00
    0415814532                           05           03/01/03          0
    0415814532                           O            02/01/33
    0

    8355171          E22/G02             F           95,200.00         ZZ
                                         360         95,200.00          1
                                       7.500            665.65         85
                                       7.250            665.65
    WHEATON          IL   60187          1            01/13/03         04
    0415846674                           01           03/01/03         20
    0415846674                           N            02/01/33
    0

    8355223          G27/G02             F           65,610.00         ZZ
                                         360         65,558.81          1
                                       7.250            447.58         90
                                       7.000            447.58
    WENDELL          NC   27591          1            12/23/02         11
    0435244603                           05           02/01/03         25
1

    27302013                             N            01/01/33
    0

    8355325          L03/G02             F          106,500.00         ZZ
                                         360        106,500.00          1
                                       6.750            690.76         75
                                       6.500            690.76
    PEORIA           AZ   85382          1            01/02/03         00
    0435246731                           05           03/01/03          0
    40009571                             N            02/01/33
    0

    8355333          967/G02             F          230,350.00         ZZ
                                         360        230,170.31          1
                                       7.250          1,571.39         85
                                       7.000          1,571.39
    SEATTLE          WA   98107          5            12/17/02         11
    0435248414                           05           02/01/03         12
    5625710                              O            01/01/33
    0

    8355417          950/G02             F          101,250.00         ZZ
                                         360        101,172.96          1
                                       7.375            699.31         75
                                       7.125            699.31
    CHICO            CA   95928          5            12/19/02         00
    0435218987                           09           02/01/03          0
    AE211015                             N            01/01/33
    0

    8355455          U05/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.375          2,495.48         78
                                       6.125          2,495.48
    LOS ANGELES      CA   90045          1            01/02/03         00
    0435271648                           05           03/01/03          0
    3297403                              O            02/01/33
    0

    8355461          X64/G02             F           92,600.00         ZZ
                                         360         92,600.00          1
                                       7.625            655.42         95
                                       7.375            655.42
    DETROIT          MI   48224          5            01/09/03         11
    0435226758                           05           03/01/03         30
    2234                                 O            02/01/33
    0

1

    8355531          U05/G02             F          456,000.00         ZZ
                                         360        455,567.33          1
                                       6.250          2,807.67         80
                                       6.000          2,807.67
    WOODLAND HILLS   CA   91367          5            12/26/02         00
    0435291877                           05           02/01/03          0
    3293929                              O            01/01/33
    0

    8355583          X67/G02             F          304,000.00         ZZ
                                         360        303,725.18          1
                                       6.500          1,921.49         80
                                       6.250          1,921.49
    WEST HOLLYWOOD   CA   90069          1            12/19/02         00
    0435318043                           08           02/01/03          0
    00282240                             N            01/01/33
    0

    8355585          U19/G02             F          300,000.00         ZZ
                                         360        299,747.96          1
                                       6.875          1,970.79         87
                                       6.625          1,970.79
    BENNETT          CO   80102          1            12/23/02         14
    0435259817                           03           02/01/03         25
    0212190003                           O            01/01/33
    0

    8355619          U85/G02             F          129,600.00         ZZ
                                         360        129,381.62          1
                                       6.875            851.38         79
                                       6.625            851.38
    WAUKESHA         WI   53166          2            11/12/02         00
    0435260609                           05           01/01/03          0
    10087                                O            12/01/32
    0

    8355645          P01/G02             F           52,110.00         ZZ
                                         360         52,066.22          2
                                       6.875            342.33         90
                                       6.625            342.33
    SCHENECTADY      NY   12304          1            12/20/02         04
    0435250295                           05           02/01/03         25
    02009961                             N            01/01/33
    0

    8355743          944/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.375          1,122.97         80
                                       6.125          1,122.97
1

    LAKE OSWEGO      OR   97034          5            12/30/02         00
    0435217351                           05           03/01/03          0
    W02035479                            O            02/01/33
    0

    8355825          Q30/G02             F          164,000.00         ZZ
                                         360        163,862.21          1
                                       6.875          1,077.37         80
                                       6.625          1,077.37
    BROOKFIELD       CT   06804          1            12/30/02         00
    0435246111                           05           02/01/03          0
    21019195                             N            01/01/33
    0

    8355855          A06/G02             F          223,250.00         ZZ
                                         360        223,250.00          1
                                       7.750          1,599.40         95
                                       7.500          1,599.40
    WEST BLOOMFIELD  MI   48323          5            01/06/03         11
    0435254784                           05           03/01/03         30
    021000020231259                      O            02/01/33
    0

    8356175          M96/G02             F          123,800.00         ZZ
                                         360        123,800.00          1
                                       7.000            823.64         88
                                       6.750            823.64
    ALTO             MI   49302          5            01/06/03         10
    0435278502                           05           03/01/03         25
    200202964                            O            02/01/33
    0

    8356199          G27/G02             F          464,000.00         ZZ
                                         360        464,000.00          1
                                       6.250          2,856.93         80
                                       6.000          2,856.93
    MODESTO          CA   95355          5            01/02/03         00
    0435245873                           05           03/01/03          0
    10002075                             O            02/01/33
    0

    8356565          F61/G02             F          256,000.00         ZZ
                                         360        256,000.00          1
                                       7.500          1,789.99         80
                                       7.250          1,789.99
    SEATTLE          WA   98122          1            01/07/03         00
    0435245261                           05           03/01/03          0
    023170S                              N            02/01/33
    0
1

    8356743          408/G02             F           35,100.00         ZZ
                                         360         35,071.22          1
                                       7.000            233.53         90
                                       6.750            233.53
    MEMPHIS          TN   38109          1            12/19/02         04
    0435264924                           05           02/01/03         25
    703031169                            N            01/01/33
    0

    8356849          E57/G02             F          276,800.00         ZZ
                                         360        276,555.79          1
                                       6.625          1,772.38         80
                                       6.375          1,772.38
    COSTA MESA       CA   92627          5            12/12/02         00
    0435251830                           05           02/01/03          0
    06012723                             O            01/01/33
    0

    8356993          738/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       6.375            823.51         80
                                       6.125            823.51
    LAKE WORTH       FL   33467          2            12/31/02         00
    0435196548                           03           03/01/03          0
    40570727                             O            02/01/33
    0

    8357197          U05/G02             F          500,750.00         ZZ
                                         360        500,750.00          1
                                       6.500          3,165.08         71
                                       6.250          3,165.08
    SAN ANTONIO      TX   78261          5            01/03/03         00
    0435231600                           05           03/01/03          0
    3280634                              O            02/01/33
    0

    8357203          T29/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       6.500            455.09         80
                                       6.250            455.09
    SHOW LOW         AZ   85901          2            01/07/03         00
    0435297429                           05           03/01/03          0
    1529841                              O            02/01/33
    0

    8357251          420/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
1

                                       6.500            556.22         55
                                       6.250            556.22
    SANTA ROSA       CA   95403          1            12/31/02         00
    0435259494                           01           03/01/03          0
    72004982                             N            02/01/33
    0

    8357371          U42/G02             F          187,448.00         ZZ
                                         360        187,448.00          1
                                       6.750          1,215.78         80
                                       6.500          1,215.78
    CELINA           TX   75009          1            01/08/03         00
    0435205075                           05           03/01/03          0
    12200745                             O            02/01/33
    0

    8357433          253/253             F          195,000.00         ZZ
                                         360        194,819.39          1
                                       6.375          1,216.55         80
                                       6.125          1,216.55
    CHANDLER         AZ   85249          1            12/27/02         00
    443620                               09           02/01/03          0
    443620                               O            01/01/33
    0

    8357453          P34/G02             F          100,000.00         ZZ
                                         360         99,913.90          2
                                       6.750            648.60         58
                                       6.500            648.60
    REHOBOTH         MA   02769          5            12/23/02         00
    0435246533                           05           02/01/03          0
    6164                                 N            01/01/33
    0

    8357557          W68/G02             F          305,000.00         ZZ
                                         360        304,689.04          1
                                       5.875          1,804.19         59
                                       5.625          1,804.19
    MISSION VIEJO    CA   92691          5            12/26/02         00
    0435314174                           03           02/01/03          0
    33809                                O            01/01/33
    0

    8357609          975/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       6.500          1,112.44         80
                                       6.250          1,112.44
    DUARTE           CA   91010          1            01/02/03         00
    0435221510                           01           03/01/03          0
1

    2025852                              O            02/01/33
    0

    8357731          944/G02             F          288,000.00         ZZ
                                         360        288,000.00          1
                                       6.250          1,773.27         80
                                       6.000          1,773.27
    JACKSONVILLE     OR   97530          5            12/31/02         00
    0435216932                           05           03/01/03          0
    W02035390                            O            02/01/33
    0

    8357773          944/G02             F          131,100.00         ZZ
                                         360        131,100.00          1
                                       6.375            817.90         95
                                       6.125            817.90
    CENTREVILLE      VA   20121          5            01/02/03         04
    0435273560                           01           03/01/03         30
    W02030608                            O            02/01/33
    0

    8358011          K15/G02             F          628,000.00         ZZ
                                         360        627,432.28          1
                                       6.500          3,969.39         80
                                       6.250          3,969.39
    WASHINGTON TOWN  MI   48306          5            12/23/02         00
    0435223078                           05           02/01/03          0
    035605505865                         O            01/01/33
    0

    8358403          E82/G02             F          161,600.00         ZZ
                                         360        161,600.00          1
                                       6.250            995.00         79
                                       6.000            995.00
    LAKE VIEW TERRA  CA   91342          2            01/09/03         00
    0400758561                           05           03/01/03          0
    1990014                              O            02/01/33
    0

    8358407          E82/G02             F          192,500.00         ZZ
                                         360        192,500.00          1
                                       6.375          1,200.95         70
                                       6.125          1,200.95
    BUELLTON         CA   93427          2            01/09/03         00
    0400751335                           05           03/01/03          0
    1886403                              O            02/01/33
    0

1

    8358415          E82/G02             F          107,600.00         ZZ
                                         360        107,600.00          1
                                       6.500            680.11         62
                                       6.250            680.11
    MARIETTA         GA   30064          2            01/14/03         00
    0400746368                           05           03/01/03          0
    1642523                              N            02/01/33
    0

    8358419          E82/G02             F          107,800.00         ZZ
                                         360        107,800.00          1
                                       6.500            681.37         72
                                       6.250            681.37
    MARIETTA         GA   30066          2            01/14/03         00
    0400746376                           05           03/01/03          0
    1642523                              N            02/01/33
    0

    8358437          E82/G02             F           70,950.00         ZZ
                                         360         70,950.00          1
                                       6.500            448.45         48
                                       6.250            448.45
    LOS OSOS         CA   93402          2            01/09/03         00
    0400752440                           05           03/01/03          0
    1531338                              O            02/01/33
    0

    8358477          E82/G02             F          127,500.00         ZZ
                                         360        127,500.00          1
                                       7.000            848.26         85
                                       6.750            848.26
    FAIRHOPE         AL   36532          2            01/10/03         04
    0400760872                           05           03/01/03         12
    0400760872                           O            02/01/33
    0

    8358659          E22/G02             F          125,455.00         ZZ
                                         360        125,455.00          1
                                       6.500            792.96         80
                                       6.250            792.96
    HOUSTON          TX   77083          2            01/08/03         00
    0415763093                           03           03/01/03          0
    0415763093                           O            02/01/33
    0

    8358669          E22/G02             F          137,500.00         ZZ
                                         360        137,372.65          2
                                       6.375            857.82         68
                                       6.125            857.82
1

    CATHEDRAL CITY   CA   92234          5            12/24/02         00
    0415770619                           05           02/01/03          0
    0415770619                           O            01/01/33
    0

    8358673          E22/G02             F           94,500.00         ZZ
                                         360         94,500.00          1
                                       6.125            574.19         67
                                       5.875            574.19
    GREENSBORO       NC   27403          5            01/09/03         00
    0415772201                           05           03/01/03          0
    0415772201                           O            02/01/33
    0

    8358677          E22/G02             F           52,000.00         ZZ
                                         360         52,000.00          1
                                       7.500            363.59         80
                                       7.250            363.59
    PORT HURON       MI   48060          1            01/15/03         00
    0415772474                           05           03/01/03          0
    0415772474                           N            02/01/33
    0

    8358683          E22/G02             F          113,750.00         ZZ
                                         360        113,750.00          1
                                       6.500            718.98         67
                                       6.250            718.98
    JOHNSTON         RI   02919          5            01/09/03         00
    0415778927                           05           03/01/03          0
    0415778927                           O            02/01/33
    0

    8358685          E22/G02             F           24,800.00         ZZ
                                         360         24,800.00          1
                                       7.250            169.18         80
                                       7.000            169.18
    KANSAS CITY      MO   64110          1            01/14/03         00
    0415780097                           05           03/01/03          0
    0415780097                           N            02/01/33
    0

    8358691          E22/G02             F          170,000.00         ZZ
                                         360        170,000.00          2
                                       6.500          1,074.52         57
                                       6.250          1,074.52
    RICHMOND HILL    NY   11418          5            01/07/03         00
    0415783877                           05           03/01/03          0
    0415783877                           O            02/01/33
    0
1

    8358697          E22/G02             F          540,000.00         ZZ
                                         360        540,000.00          1
                                       6.125          3,281.10         79
                                       5.875          3,281.10
    MORGAN HILL      CA   95037          5            12/31/02         00
    0415784784                           05           03/01/03          0
    0415784784                           O            02/01/33
    0

    8358699          E22/G02             F          184,000.00         ZZ
                                         360        184,000.00          1
                                       6.625          1,178.17         80
                                       6.375          1,178.17
    RANCHO CUCAMONG  CA   91730          5            01/09/03         00
    0415790856                           05           03/01/03          0
    0415790856                           O            02/01/33
    0

    8358703          E22/G02             F          206,000.00         ZZ
                                         360        206,000.00          1
                                       6.875          1,353.27         92
                                       6.625          1,353.27
    CORDOVA          TN   38018          2            01/09/03         04
    0415803477                           05           03/01/03         30
    0415803477                           O            02/01/33
    0

    8358711          E22/G02             F          122,000.00         ZZ
                                         360        122,000.00          1
                                       6.750            791.29         65
                                       6.500            791.29
    PEMBROKE PINES   FL   33029          5            01/09/03         00
    0415807635                           03           03/01/03          0
    0415807635                           O            02/01/33
    0

    8358723          E22/G02             F          355,000.00         ZZ
                                         360        355,000.00          1
                                       7.500          2,482.21         71
                                       7.250          2,482.21
    CHEBOYGAN        MI   49721          2            01/09/03         00
    0415812304                           05           03/01/03          0
    0415812304                           O            02/01/33
    0

    8358725          E22/G02             F          209,000.00         ZZ
                                         360        208,811.06          1
1

                                       6.500          1,321.02         85
                                       6.250          1,321.02
    HEMET            CA   92544          5            12/31/02         11
    0415813799                           05           02/01/03         12
    0415813799                           O            01/01/33
    0

    8358733          E22/G02             F           67,200.00         ZZ
                                         360         67,200.00          1
                                       7.000            447.08         80
                                       6.750            447.08
    GREENVILLE       SC   29605          1            01/14/03         00
    0415817147                           05           03/01/03          0
    0415817147                           N            02/01/33
    0

    8358735          E22/G02             F          121,050.00         ZZ
                                         360        121,050.00          1
                                       6.500            765.12         90
                                       6.250            765.12
    COLORADO SPRING  CO   80904          1            01/13/03         01
    0415820604                           05           03/01/03         25
    0415820604                           N            02/01/33
    0

    8358741          E22/G02             F           55,000.00         ZZ
                                         360         55,000.00          1
                                       6.625            352.17         62
                                       6.375            352.17
    BEND             OR   97702          1            01/06/03         00
    0415822758                           09           03/01/03          0
    0415822758                           O            02/01/33
    0

    8358743          E22/G02             F          261,250.00         ZZ
                                         360        261,250.00          1
                                       7.000          1,738.10         95
                                       6.750          1,738.10
    UPLAND           CA   91784          1            01/10/03         04
    0415827955                           05           03/01/03         35
    0415827955                           O            02/01/33
    0

    8358745          E22/G02             F          111,200.00         ZZ
                                         360        111,200.00          1
                                       6.375            693.74         80
                                       6.125            693.74
    WENATCHEE        WA   98801          1            01/06/03         00
    0415828219                           05           03/01/03          0
1

    0415828219                           O            02/01/33
    0

    8358753          E22/G02             F          252,000.00         ZZ
                                         360        252,000.00          1
                                       6.125          1,531.18         71
                                       5.875          1,531.18
    BEVERLY HILLS    MI   48025          2            01/09/03         00
    0415841816                           05           03/01/03          0
    0415841816                           O            02/01/33
    0

    8358769          E22/G02             F           79,200.00         ZZ
                                         360         79,200.00          1
                                       7.750            567.40         80
                                       7.500            567.40
    EASLEY           SC   29640          1            01/14/03         00
    0415852128                           05           03/01/03          0
    0415852128                           N            02/01/33
    0

    8358771          E22/G02             F          255,500.00         ZZ
                                         360        255,500.00          1
                                       6.250          1,573.16         70
                                       6.000          1,573.16
    HAYWARD          CA   94544          1            01/07/03         00
    0415865484                           05           03/01/03          0
    0415865484                           N            02/01/33
    0

    8358777          E22/G02             F          396,000.00         ZZ
                                         360        396,000.00          1
                                       6.250          2,438.24         80
                                       6.000          2,438.24
    OAKLEY           CA   94561          1            01/07/03         00
    0415875558                           05           03/01/03          0
    0415875558                           O            02/01/33
    0

    8358779          E22/G02             F          450,000.00         ZZ
                                         360        450,000.00          1
                                       6.125          2,734.25         79
                                       5.875          2,734.25
    MARTINEZ         CA   94553          1            01/06/03         00
    0415876085                           05           03/01/03          0
    0415876085                           O            02/01/33
    0

1

    8358811          E22/G02             F          398,800.00         ZZ
                                         360        398,800.00          3
                                       7.250          2,720.52         80
                                       7.000          2,720.52
    BRONX            NY   10465          1            01/14/03         00
    0414244129                           05           03/01/03          0
    0414244129                           N            02/01/33
    0

    8358813          E22/G02             F          390,800.00         ZZ
                                         360        390,800.00          3
                                       7.250          2,665.94         80
                                       7.000          2,665.94
    BRONX            NY   10465          1            01/14/03         00
    0414400275                           05           03/01/03          0
    0414400275                           N            02/01/33
    0

    8358815          E22/G02             F          183,900.00         ZZ
                                         360        183,900.00          1
                                       7.125          1,238.97         88
                                       6.875          1,238.97
    DALLAS           TX   75219          2            01/09/03         01
    0415037043                           06           03/01/03         25
    0415037043                           O            02/01/33
    0

    8358823          E22/G02             F          243,000.00         ZZ
                                         240        243,000.00          1
                                       6.375          1,793.90         70
                                       6.125          1,793.90
    ISLIP TERRACE    NY   11752          5            01/09/03         00
    0415195080                           05           03/01/03          0
    0415195080                           O            02/01/23
    0

    8358827          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       6.375            561.48         74
                                       6.125            561.48
    CRESWELL         OR   97426          5            01/06/03         00
    0415239953                           05           03/01/03          0
    0415239953                           O            02/01/33
    0

    8358829          E22/G02             F          445,000.00         ZZ
                                         360        444,577.77          1
                                       6.250          2,739.94         69
                                       6.000          2,739.94
1

    ORINDA           CA   94563          5            12/11/02         00
    0415240365                           05           02/01/03          0
    0415240365                           O            01/01/33
    0

    8358833          E22/G02             F          114,600.00         ZZ
                                         360        114,600.00          1
                                       6.125            696.32         80
                                       5.875            696.32
    WEATHERFORD      TX   76086          5            01/09/03         00
    0415321496                           05           03/01/03          0
    0415321496                           O            02/01/33
    0

    8358853          E22/G02             F          208,000.00         ZZ
                                         360        208,000.00          1
                                       6.000          1,247.07         96
                                       5.750          1,247.07
    ROANOKE          VA   24012          2            01/09/03         04
    0415483486                           05           03/01/03         35
    0415483486                           O            02/01/33
    0

    8358857          E22/G02             F          209,625.00         ZZ
                                         360        209,444.52          1
                                       6.750          1,359.62         75
                                       6.500          1,359.62
    MIAMI            FL   33180          1            12/19/02         00
    0415490135                           06           02/01/03          0
    0415490135                           O            01/01/33
    0

    8358859          E22/G02             F          124,250.00         ZZ
                                         360        124,250.00          1
                                       6.750            805.88         89
                                       6.500            805.88
    TULARE           CA   93274          2            01/06/03         04
    0415521715                           05           03/01/03         25
    0415521715                           O            02/01/33
    0

    8358863          E22/G02             F          286,025.00         ZZ
                                         360        286,025.00          1
                                       6.375          1,784.42         85
                                       6.125          1,784.42
    BERTHOUD         CO   80513          5            01/09/03         01
    0415533256                           03           03/01/03         12
    0415533256                           O            02/01/33
    0
1

    8358865          E22/G02             F          715,000.00         ZZ
                                         360        715,000.00          1
                                       6.375          4,460.67         65
                                       6.125          4,460.67
    KEY WEST         FL   33040          5            01/09/03         00
    0415537281                           05           03/01/03          0
    0415537281                           O            02/01/33
    0

    8358867          E22/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       6.375            499.10         49
                                       6.125            499.10
    FLAGSTAFF        AZ   86001          1            01/06/03         00
    0415543404                           05           03/01/03          0
    0415543404                           O            02/01/33
    0

    8358871          E22/G02             F          237,000.00         ZZ
                                         360        237,000.00          1
                                       6.875          1,556.92         87
                                       6.625          1,556.92
    SACRAMENTO       CA   95818          2            01/06/03         04
    0415574029                           05           03/01/03         25
    0415574029                           O            02/01/33
    0

    8358875          E22/G02             F          114,750.00         ZZ
                                         360        114,750.00          4
                                       7.625            812.19         90
                                       7.375            812.19
    HUNTSVILLE       AL   35816          1            01/14/03         04
    0415591585                           05           03/01/03         25
    0415591585                           N            02/01/33
    0

    8358877          E22/G02             F           81,900.00         ZZ
                                         360         81,900.00          1
                                       7.250            558.70         90
                                       7.000            558.70
    TAMARAC          FL   33309          1            01/14/03         11
    0415605963                           03           03/01/03         25
    0415605963                           N            02/01/33
    0

    8358879          E22/G02             F          139,500.00         ZZ
                                         360        139,500.00          1
1

                                       6.375            870.30         90
                                       6.125            870.30
    KENNEWICK        WA   99336          5            01/09/03         10
    0415616358                           05           03/01/03         25
    0415616358                           O            02/01/33
    0

    8358881          E22/G02             F          270,000.00         ZZ
                                         360        270,000.00          2
                                       6.875          1,773.71         80
                                       6.625          1,773.71
    BLOOMFIELD       NJ   07003          1            01/14/03         00
    0415623487                           05           03/01/03          0
    0415623487                           O            02/01/33
    0

    8358885          E22/G02             F          304,000.00         ZZ
                                         360        304,000.00          1
                                       6.375          1,896.56         80
                                       6.125          1,896.56
    NAHCOTTA         WA   98637          2            01/08/03         00
    0415630128                           05           03/01/03          0
    0415630128                           O            02/01/33
    0

    8358887          E22/G02             F           28,800.00         ZZ
                                         360         28,779.67          1
                                       7.750            206.33         90
                                       7.500            206.33
    CARBONDALE       IL   62901          1            01/06/03         04
    0415635770                           05           02/01/03         25
    0415635770                           N            01/01/33
    0

    8358891          E22/G02             F          217,000.00         ZZ
                                         360        217,000.00          1
                                       6.375          1,353.80         78
                                       6.125          1,353.80
    PORTLAND         OR   97239          5            01/06/03         00
    0415646702                           05           03/01/03          0
    0415646702                           O            02/01/33
    0

    8358911          E22/G02             F          148,500.00         ZZ
                                         360        148,500.00          1
                                       6.375            926.45         85
                                       6.125            926.45
    EPSOM            NH   03234          5            01/08/03         10
    0415670330                           05           03/01/03         12
1

    0415670330                           O            02/01/33
    0

    8358919          E22/G02             F          103,000.00         ZZ
                                         360        103,000.00          1
                                       6.500            651.03         48
                                       6.250            651.03
    MOUNT ARLINGTON  NJ   07856          1            01/14/03         00
    0415680081                           01           03/01/03          0
    0415680081                           O            02/01/33
    0

    8358927          E22/G02             F          195,000.00         ZZ
                                         360        195,000.00          1
                                       6.750          1,264.77         74
                                       6.500          1,264.77
    PACOIMA AREA (L  CA   91331          5            01/02/03         00
    0415693563                           05           03/01/03          0
    0415693563                           O            02/01/33
    0

    8358929          E22/G02             F          115,200.00         ZZ
                                         360        115,200.00          1
                                       6.750            747.19         80
                                       6.500            747.19
    FAIRWAY          KS   66205          1            01/10/03         00
    0415696624                           05           03/01/03          0
    0415696624                           N            02/01/33
    0

    8358931          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.750            700.49         80
                                       6.500            700.49
    PRAIRIE VILLAGE  KS   66206          1            01/10/03         00
    0415697804                           03           03/01/03          0
    0415697804                           N            02/01/33
    0

    8358953          E22/G02             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.250          2,093.44         80
                                       6.000          2,093.44
    LAKESIDE         CA   92040          5            01/03/03         00
    0415721331                           05           03/01/03          0
    0415721331                           O            02/01/33
    0

1

    8358955          E22/G02             F          336,000.00         ZZ
                                         360        336,000.00          2
                                       6.750          2,179.29         80
                                       6.500          2,179.29
    RIDGEWOOD        NY   11385          5            01/09/03         00
    0415724202                           05           03/01/03          0
    0415724202                           O            02/01/33
    0

    8358967          E22/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       6.375            698.73         75
                                       6.125            698.73
    CASHMERE         WA   98815          5            01/08/03         00
    0415752070                           05           03/01/03          0
    0415752070                           O            02/01/33
    0

    8359117          N67/G02             F          252,000.00         ZZ
                                         360        251,575.37          1
                                       6.875          1,655.46         80
                                       6.625          1,655.46
    SANTA FE         NM   87508          1            11/22/02         00
    0435199054                           03           01/01/03          0
    1161003004                           O            12/01/32
    0

    8359259          N67/G02             F          123,950.00         ZZ
                                         360        123,855.69          1
                                       7.375            856.09         78
                                       7.125            856.09
    SAN ANTONIO      TX   78258          2            12/04/02         00
    0435199518                           03           02/01/03          0
    1161003198                           O            01/01/33
    0

    8359269          N67/G02             F           53,900.00         ZZ
                                         360         53,782.22          1
                                       7.625            381.50         70
                                       7.375            381.50
    STEWARTSTOWN     NH   03597          1            10/18/02         00
    0435201439                           05           12/01/02          0
    3275002980                           O            11/01/32
    0

    8359339          N67/G02             F          624,000.00         ZZ
                                         360        623,488.51          1
                                       7.000          4,151.49         80
                                       6.750          4,151.49
1

    LAS VEGAS        NV   89107          5            12/05/02         00
    0435201793                           05           02/01/03          0
    1162000941                           O            01/01/33
    0

    8359487          N67/G02             F          100,000.00         ZZ
                                         360         99,918.03          1
                                       7.000            665.30         73
                                       6.750            665.30
    CHANDLER         AZ   85226          1            12/05/02         00
    0435202346                           05           02/01/03          0
    1781004332                           O            01/01/33
    0

    8359713          N67/G02             F          275,000.00         ZZ
                                         360        274,795.91          1
                                       7.500          1,922.84         52
                                       7.250          1,922.84
    WAYNE            NJ   07470          1            12/12/02         00
    0435210299                           05           02/01/03          0
    3264001597                           O            01/01/33
    0

    8359783          N67/G02             F          120,250.00         ZZ
                                         360        120,160.75          1
                                       7.500            840.81         80
                                       7.250            840.81
    BOYNTON BEACH    FL   33437          1            12/18/02         00
    0435210406                           03           02/01/03          0
    1782001627                           O            01/01/33
    0

    8359865          N67/G02             F           94,300.00         ZZ
                                         360         94,230.02          1
                                       7.500            659.36         80
                                       7.250            659.36
    PORT SAINT LUCI  FL   34952          5            12/09/02         00
    0435203831                           05           02/01/03          0
    3262003815                           O            01/01/33
    0

    8359867          N67/G02             F           68,800.00         ZZ
                                         360         68,752.65          1
                                       7.875            498.85         58
                                       7.625            498.85
    SALISBURY        NC   28146          2            12/13/02         00
    0435210570                           05           02/01/03          0
    3252003866                           O            01/01/33
    0
1

    8359913          N67/G02             F          235,500.00         ZZ
                                         360        235,311.67          1
                                       7.125          1,586.61         80
                                       6.875          1,586.61
    FORT WAYNE       IN   46804          1            12/13/02         00
    0435204029                           05           02/01/03          0
    3262003950                           O            01/01/33
    0

    8360011          N67/G02             F          118,000.00         ZZ
                                         360        117,876.80          1
                                       5.750            688.62         72
                                       5.500            688.62
    LA VERGNE        TN   37086          5            12/18/02         00
    0435210877                           05           02/01/03          0
    3254003473                           O            01/01/33
    0

    8360123          N67/G02             F           50,000.00         ZZ
                                         360         49,965.60          1
                                       7.875            362.53         24
                                       7.625            362.53
    BOCA RATON       FL   33498          1            12/18/02         00
    0435211057                           03           02/01/03          0
    3254003620                           O            01/01/33
    0

    8360129          N67/G02             F           55,000.00         ZZ
                                         360         54,953.79          1
                                       6.875            361.31         40
                                       6.625            361.31
    HENDERSONVILLE   NC   28739          2            12/20/02         00
    0435211065                           05           02/01/03          0
    3254003635                           O            01/01/33
    0

    8360147          N67/G02             F          104,000.00         ZZ
                                         360        103,922.82          1
                                       7.500            727.18         80
                                       7.250            727.18
    FORT LAUDERDALE  FL   33312          1            12/17/02         00
    0435211115                           05           02/01/03          0
    3254003695                           O            01/01/33
    0

    8360227          N67/G02             F          177,600.00         ZZ
                                         360        177,335.56          1
1

                                       7.500          1,241.81         80
                                       7.250          1,241.81
    LITTLETON        CO   80125          1            11/22/02         00
    0435205059                           03           01/01/03          0
    1785003010                           O            12/01/32
    0

    8360313          N67/G02             F           50,400.00         ZZ
                                         360         50,365.31          1
                                       7.875            365.44         70
                                       7.625            365.44
    HUDSON           FL   34667          1            12/20/02         00
    0435211578                           05           02/01/03          0
    3254003977                           N            01/01/33
    0

    8360523          N67/G02             F          270,400.00         ZZ
                                         360        270,223.12          1
                                       8.125          2,007.71         80
                                       7.875          2,007.71
    VERNON HILLS     IL   60061          1            12/06/02         00
    0435204060                           05           02/01/03          0
    3262003988                           O            01/01/33
    0

    8360545          N67/G02             F           82,000.00         ZZ
                                         360         81,931.11          1
                                       6.875            538.68         75
                                       6.625            538.68
    CLEARWATER       FL   33755          5            12/06/02         00
    0435206263                           05           02/01/03          0
    3254003613                           O            01/01/33
    0

    8360667          N67/G02             F          147,900.00         ZZ
                                         360        147,790.24          4
                                       7.500          1,034.14         80
                                       7.250          1,034.14
    BETHLEHEM        PA   18015          1            12/18/02         00
    0435212428                           05           02/01/03          0
    3264001737                           O            01/01/33
    0

    8360673          N67/G02             F          114,000.00         ZZ
                                         360        113,857.80          4
                                       8.375            866.48         75
                                       8.125            866.48
    UPPER DARBY      PA   19082          1            11/22/02         00
    0435204573                           05           01/01/03          0
1

    3274005766                           N            12/01/32
    0

    8360721          N67/G02             F          100,000.00         ZZ
                                         360         99,858.39          1
                                       7.750            716.41         70
                                       7.500            716.41
    WENTWORTH        NH   03282          1            12/06/02         00
    0435204748                           05           01/01/03          0
    3274005894                           O            12/01/32
    0

    8360763          N67/G02             F          360,000.00         ZZ
                                         360        359,363.01          1
                                       6.625          2,305.12         80
                                       6.375          2,305.12
    ELGIN            IL   60123          1            11/27/02         00
    0435212634                           05           01/01/03          0
    3265003648                           O            12/01/32
    0

    8360859          N67/G02             F           56,850.00         ZZ
                                         360         56,771.50          4
                                       7.875            412.20         65
                                       7.625            412.20
    CHESAPEAKE       VA   23324          1            12/03/02         00
    0435205299                           05           01/01/03          0
    3274006252                           N            12/01/32
    0

    8360865          N67/G02             F           59,150.00         ZZ
                                         360         59,066.23          2
                                       7.750            423.76         70
                                       7.500            423.76
    PORTSMOUTH       VA   23704          1            12/02/02         00
    0435205315                           05           01/01/03          0
    3274006253                           N            12/01/32
    0

    8360945          N67/G02             F          352,000.00         ZZ
                                         360        351,781.22          2
                                       8.375          2,675.45         80
                                       8.125          2,675.45
    BROOKLYN         NY   11233          5            12/04/02         00
    0435205638                           05           02/01/03          0
    3274006376                           O            01/01/33
    0

1

    8360987          N67/G02             F          312,000.00         ZZ
                                         360        311,795.91          2
                                       8.125          2,316.59         80
                                       7.875          2,316.59
    BROOKLYN         NY   11221          1            12/13/02         00
    0435213111                           05           02/01/03          0
    3274005880                           O            01/01/33
    0

    8361025          N67/G02             F          149,800.00         ZZ
                                         360        149,671.03          1
                                       6.750            971.60         70
                                       6.500            971.60
    STRATFORD        CT   06614          5            12/20/02         00
    0435213244                           05           02/01/03          0
    3274006054                           O            01/01/33
    0

    8361049          N67/G02             F           99,000.00         ZZ
                                         360         98,772.56          1
                                       6.000            593.56         75
                                       5.750            593.56
    LAKE HAVASU CIT  AZ   86406          1            11/14/02         00
    0435213301                           05           01/01/03          0
    1072004423                           O            12/01/32
    0

    8361161          N67/G02             F          170,000.00         ZZ
                                         360        169,857.18          1
                                       6.875          1,116.78         56
                                       6.625          1,116.78
    LAS VEGAS        NV   89135          1            12/17/02         00
    0435213681                           03           02/01/03          0
    1162000895                           O            01/01/33
    0

    8361217          N67/G02             F           94,550.00         ZZ
                                         360         94,462.43          1
                                       6.375            589.87         70
                                       6.125            589.87
    PHOENIX          AZ   85043          1            12/07/02         00
    0435213897                           03           02/01/03          0
    1781004180                           O            01/01/33
    0

    8361257          N67/G02             F          112,700.00         ZZ
                                         360        112,620.45          1
                                       7.750            807.40         70
                                       7.500            807.40
1

    PHOENIX          AZ   85016          1            12/17/02         00
    0435214051                           05           02/01/03          0
    1781004336                           N            01/01/33
    0

    8361283          N67/G02             F          171,350.00         ZZ
                                         360        171,225.99          1
                                       7.625          1,212.80         69
                                       7.375          1,212.80
    PEORIA           AZ   85382          1            12/12/02         00
    0435214184                           03           02/01/03          0
    1781004395                           O            01/01/33
    0

    8361351          N67/G02             F           88,200.00         ZZ
                                         360         88,139.30          1
                                       7.875            639.51         90
                                       7.625            639.51
    PUEBLO           CO   81003          1            12/20/02         01
    0435214440                           05           02/01/03         30
    1162001285                           O            01/01/33
    0

    8361369          N67/G02             F          363,000.00         ZZ
                                         360        362,663.79          1
                                       6.375          2,264.65         73
                                       6.125          2,264.65
    SCOTTSDALE       AZ   85260          2            12/19/02         00
    0435214572                           03           02/01/03          0
    1760003504                           O            01/01/33
    0

    8361415          K15/G02             F          256,000.00         ZZ
                                         360        256,000.00          1
                                       6.000          1,534.85         80
                                       5.750          1,534.85
    SELDEN           NY   11784          5            01/03/03         00
    0435284005                           05           03/01/03          0
    011205508931                         O            02/01/33
    0

    8361425          K15/G02             F          151,000.00         ZZ
                                         360        151,000.00          1
                                       6.000            905.32         80
                                       5.750            905.32
    NORTH EAST       PA   16428          5            01/03/03         00
    0435257811                           05           03/01/03          0
    027105505446                         O            02/01/33
    0
1

    8361453          K15/G02             F          236,200.00         ZZ
                                         360        235,975.89          2
                                       6.250          1,454.32         52
                                       6.000          1,454.32
    SOMERVILLE       MA   02145          5            12/23/02         00
    0435257977                           05           02/01/03          0
    024505508172                         O            01/01/33
    0

    8361661          W77/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       7.000            665.30         80
                                       6.750            665.30
    BASTROP          TX   78602          2            01/02/03         00
    0435269311                           05           03/01/03          0
    W0210056                             O            02/01/33
    0

    8361911          T29/G02             F           74,000.00         ZZ
                                         360         74,000.00          1
                                       6.500            467.73         74
                                       6.250            467.73
    SNOWFLAKE        AZ   85937          5            01/03/03         00
    0435336185                           05           03/01/03          0
    1529532                              O            02/01/33
    0

    8362023          U35/G02             F          114,400.00         ZZ
                                         360        114,400.00          1
                                       6.125            695.11         80
                                       5.875            695.11
    WIND  LAKE       WI   53185          2            12/13/02         00
    0435261938                           05           03/01/03          0
    0007518999                           O            02/01/33
    0

    8362137          588/G02             F          360,000.00         ZZ
                                         360        359,682.38          1
                                       6.625          2,305.12         62
                                       6.375          2,305.12
    RANDOLPH TOWNSH  NJ   07869          1            12/23/02         00
    0435244611                           05           02/01/03          0
    1080944                              O            01/01/33
    0

    8362629          B44/G02             F           91,800.00         ZZ
                                         360         91,719.00          1
1

                                       6.625            587.81         85
                                       6.375            587.81
    BOISE            ID   83704          5            12/20/02         11
    0435261110                           05           02/01/03         12
    4021826                              O            01/01/33
    0

    8362735          967/G02             F          118,000.00         ZZ
                                         360        117,912.43          3
                                       7.500            825.07         78
                                       7.250            825.07
    TACOMA           WA   98406          2            12/24/02         00
    0435253950                           05           02/01/03          0
    5844238                              N            01/01/33
    0

    8362845          K60/G02             F           40,500.00         ZZ
                                         360         40,500.00          1
                                       7.250            276.28         90
                                       7.000            276.28
    DETROIT          MI   48228          1            01/08/03         04
    0435297965                           05           03/01/03         25
    73304                                N            02/01/33
    0

    8363407          967/G02             F          650,000.00         ZZ
                                         360        649,397.98          1
                                       6.375          4,055.15         79
                                       6.125          4,055.15
    GIG HARBOR       WA   98332          5            12/19/02         00
    0435289566                           05           02/01/03          0
    5717368                              O            01/01/33
    0

    8363443          P44/G02             F          190,000.00         ZZ
                                         360        190,000.00          1
                                       7.125          1,280.07         95
                                       6.875          1,280.07
    SANDWICH (FORES  MA   02644          1            01/13/03         04
    0435235635                           05           03/01/03         30
    522984901                            O            02/01/33
    0

    8363465          Q30/G02             F          129,750.00         ZZ
                                         240        129,497.12          1
                                       6.875            996.24         75
                                       6.625            996.24
    NORTHAMPTON      PA   18067          5            12/27/02         00
    0435291786                           05           02/01/03          0
1

    21019394                             O            01/01/23
    0

    8363493          E57/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.750          3,242.99         74
                                       6.500          3,242.99
    SAN JOSE         CA   95131          2            01/08/03         00
    0435214671                           05           03/01/03          0
    06013109                             O            02/01/33
    0

    8363543          P59/G02             F          126,675.00         ZZ
                                         360        126,573.70          4
                                       7.125            853.43         90
                                       6.875            853.43
    BAKERSFIELD      CA   93305          1            12/30/02         01
    0435289913                           05           02/01/03         30
    AT005187                             N            01/01/33
    0

    8363573          944/G02             F          155,250.00         ZZ
                                         360        155,250.00          1
                                       6.625            994.09         90
                                       6.375            994.09
    GARDNERVILLE     NV   89410          1            01/08/03         04
    0435244983                           05           03/01/03         25
    W02037391                            O            02/01/33
    0

    8363615          G34/G02             F          175,200.00         ZZ
                                         360        175,041.62          1
                                       6.500          1,107.38         80
                                       6.250          1,107.38
    LAS VEGAS        NV   89128          1            12/19/02         00
    0435237805                           05           02/01/03          0
    59212202                             O            01/01/33
    0

    8363731          M07/G02             F           71,250.00         ZZ
                                         360         71,250.00          1
                                       7.125            480.02         75
                                       6.875            480.02
    SUGARLOAF        CA   92386          1            01/03/03         00
    0435320395                           05           03/01/03          0
    02212092                             N            02/01/33
    0

1

    8363775          X64/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       6.125          1,063.32         78
                                       5.875          1,063.32
    BLOOMFIELD HILL  MI   48301          2            01/10/03         00
    0435236716                           05           03/01/03          0
    0000002267                           O            02/01/33
    0

    8364853          W93/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       7.125            943.21         80
                                       6.875            943.21
    COLORADO SPRING  CO   80917          1            01/07/03         00
    0435236500                           05           03/01/03          0
    30443199                             O            02/01/33
    0

    8364893          420/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.750          2,594.39         74
                                       6.500          2,594.39
    SANTA ROSA       CA   95405          5            01/03/03         00
    0435275227                           05           03/01/03          0
    72004841                             O            02/01/33
    0

    8364933          E22/G02             F          524,000.00         ZZ
                                         360        524,000.00          1
                                       6.375          3,269.08         71
                                       6.125          3,269.08
    ASHLAND          OR   97520          5            01/08/03         00
    0415606599                           05           03/01/03          0
    0415606599                           O            02/01/33
    0

    8364935          E22/G02             F          131,000.00         ZZ
                                         360        131,000.00          1
                                       6.125            795.97         94
                                       5.875            795.97
    SPRINGFIELD      OR   97478          2            01/08/03         10
    0415614064                           05           03/01/03         30
    0415614064                           O            02/01/33
    0

    8364953          E22/G02             F          277,600.00         ZZ
                                         360        277,600.00          1
                                       6.250          1,709.23         79
                                       6.000          1,709.23
1

    KELLER           TX   76248          5            01/10/03         00
    0415644988                           03           03/01/03          0
    0415644988                           O            02/01/33
    0

    8364959          E22/G02             F           92,500.00         ZZ
                                         360         92,500.00          1
                                       6.375            577.08         43
                                       6.125            577.08
    AURORA           CO   80016          5            01/10/03         00
    0415658798                           09           03/01/03          0
    0415658798                           O            02/01/33
    0

    8364961          E22/G02             F           50,000.00         ZZ
                                         360         49,640.11          1
                                       6.375            311.93         27
                                       6.125            311.93
    OCEANSIDE        CA   92507          1            12/28/02         00
    0415660968                           09           02/01/03          0
    0415660968                           N            01/01/33
    0

    8364971          E22/G02             F          182,250.00         ZZ
                                         360        182,250.00          1
                                       6.500          1,151.94         75
                                       6.250          1,151.94
    FRESNO           CA   93711          5            01/07/03         00
    0415670462                           05           03/01/03          0
    0415670462                           O            02/01/33
    0

    8364977          E22/G02             F          190,000.00         ZZ
                                         360        190,000.00          1
                                       6.000          1,139.15         64
                                       5.750          1,139.15
    BIRMINGHAM       AL   35243          5            01/10/03         00
    0415675537                           05           03/01/03          0
    0415675537                           O            02/01/33
    0

    8364981          E22/G02             F          172,500.00         ZZ
                                         360        172,500.00          1
                                       6.250          1,062.11         63
                                       6.000          1,062.11
    LUMMI ISLAND     WA   98262          2            01/08/03         00
    0415687961                           05           03/01/03          0
    0415687961                           O            02/01/33
    0
1

    8364991          E22/G02             F          259,500.00         ZZ
                                         360        259,500.00          4
                                       6.875          1,704.73         80
                                       6.625          1,704.73
    HIGH BRIDGE BOR  NJ   08829          2            01/15/03         00
    0415692862                           05           03/01/03          0
    0415692862                           N            02/01/33
    0

    8364993          E22/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.250          1,477.72         80
                                       6.000          1,477.72
    WINDSOR          CA   95492          2            01/08/03         00
    0415694207                           05           03/01/03          0
    0415694207                           O            02/01/33
    0

    8365005          E22/G02             F          111,200.00         ZZ
                                         360        111,200.00          1
                                       6.375            693.74         80
                                       6.125            693.74
    NAMPA            ID   83651          5            01/08/03         00
    0415709633                           03           03/01/03          0
    0415709633                           O            02/01/33
    0

    8365013          E22/G02             F           77,000.00         ZZ
                                         360         77,000.00          1
                                       6.375            480.38         63
                                       6.125            480.38
    ST CLAIR SHORES  MI   48082          1            01/15/03         00
    0415720457                           05           03/01/03          0
    0415720457                           O            02/01/33
    0

    8365023          E22/G02             F          151,000.00         ZZ
                                         360        151,000.00          1
                                       6.250            929.73         70
                                       6.000            929.73
    SACRAMENTO       CA   95827          5            01/07/03         00
    0415740836                           05           03/01/03          0
    0415740836                           O            02/01/33
    0

    8365029          E22/G02             F          380,000.00         ZZ
                                         360        380,000.00          3
1

                                       6.250          2,339.73         80
                                       6.000          2,339.73
    OAKLAND          CA   94619          5            01/02/03         00
    0415744242                           05           03/01/03          0
    0415744242                           O            02/01/33
    0

    8365037          E22/G02             F          171,000.00         ZZ
                                         360        171,000.00          4
                                       7.125          1,152.06         90
                                       6.875          1,152.06
    ALBUQUERQUE      NM   87111          1            01/15/03         04
    0415752773                           05           03/01/03         25
    0415752773                           N            02/01/33
    0

    8365043          E22/G02             F          575,000.00         ZZ
                                         360        575,000.00          1
                                       6.625          3,681.79         64
                                       6.375          3,681.79
    PACIFIC GROVE    CA   93950          5            01/10/03         00
    0415757483                           05           03/01/03          0
    0415757483                           O            02/01/33
    0

    8365047          E22/G02             F           82,800.00         ZZ
                                         360         82,800.00          1
                                       6.625            530.18         90
                                       6.375            530.18
    MOBILE           AL   36618          5            01/10/03         04
    0415762384                           05           03/01/03         25
    0415762384                           O            02/01/33
    0

    8365049          E22/G02             F           96,000.00         ZZ
                                         360         96,000.00          1
                                       7.000            638.69         80
                                       6.750            638.69
    DICKINSON        TX   77539          5            01/10/03         00
    0415764984                           05           03/01/03          0
    0415764984                           O            02/01/33
    0

    8365051          E22/G02             F          188,000.00         ZZ
                                         360        188,000.00          1
                                       6.375          1,172.88         71
                                       6.125          1,172.88
    LAKE WORTH       FL   33463          1            01/15/03         00
    0415765015                           03           03/01/03          0
1

    0415765015                           O            02/01/33
    0

    8365099          E22/G02             F          150,400.00         ZZ
                                         360        150,400.00          2
                                       6.500            950.63         74
                                       6.250            950.63
    NEW ORLEANS      LA   70115          2            01/15/03         00
    0415794700                           05           03/01/03          0
    0415794700                           N            02/01/33
    0

    8365103          E22/G02             F          390,000.00         ZZ
                                         360        390,000.00          1
                                       6.500          2,465.07         75
                                       6.250          2,465.07
    CALABASAS        CA   91302          5            01/09/03         00
    0415795970                           03           03/01/03          0
    0415795970                           O            02/01/33
    0

    8365109          E22/G02             F          175,750.00         ZZ
                                         360        175,750.00          1
                                       6.125          1,067.88         95
                                       5.875          1,067.88
    PLANO            TX   75024          1            01/15/03         01
    0415799386                           05           03/01/03         30
    0415799386                           O            02/01/33
    0

    8365137          E22/G02             F          123,300.00         ZZ
                                         360        123,300.00          1
                                       6.125            749.18         90
                                       5.875            749.18
    MOLALLA          OR   97038          1            01/14/03         04
    0415824846                           05           03/01/03         25
    0415824846                           N            02/01/33
    0

    8365147          E22/G02             F          110,000.00         ZZ
                                         360        110,000.00          1
                                       6.250            677.29         80
                                       6.000            677.29
    COLORADO SPRING  CO   80915          1            01/15/03         00
    0415833276                           05           03/01/03          0
    0415833276                           N            02/01/33
    0

1

    8365151          E22/G02             F          327,700.00         ZZ
                                         360        327,700.00          1
                                       7.000          2,180.20         95
                                       6.750          2,180.20
    PLANTAION        FL   33317          1            01/15/03         01
    0415837053                           05           03/01/03         35
    0415837053                           O            02/01/33
    0

    8365161          E22/G02             F          102,000.00         ZZ
                                         360        102,000.00          1
                                       6.500            644.71         66
                                       6.250            644.71
    LAWRENCEBURG     KY   40342          5            01/10/03         00
    0415858430                           05           03/01/03          0
    0415858430                           O            02/01/33
    0

    8365163          E22/G02             F          397,500.00         T
                                         360        397,500.00          1
                                       6.500          2,512.47         75
                                       6.250          2,512.47
    GRANTS PASS      OR   97526          1            01/09/03         00
    0415859487                           05           03/01/03          0
    0415859487                           O            02/01/33
    0

    8365165          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.625            691.54         63
                                       6.375            691.54
    LEHIGH ACRES     FL   33971          2            01/08/03         00
    0415859545                           05           03/01/03          0
    0415859545                           O            02/01/33
    0

    8365167          E22/G02             F           65,000.00         ZZ
                                         360         65,000.00          1
                                       6.250            400.22         85
                                       6.000            400.22
    SPRINGDALE       AR   72764          5            01/10/03         04
    0415861632                           05           03/01/03         12
    0415861632                           O            02/01/33
    0

    8365175          E22/G02             F          154,400.00         ZZ
                                         360        154,400.00          1
                                       6.375            963.26         80
                                       6.125            963.26
1

    BOYNTON BEACH    FL   33437          1            01/15/03         00
    0415931781                           03           03/01/03          0
    0415931781                           O            02/01/33
    0

    8365177          E22/G02             F          163,400.00         ZZ
                                         360        163,400.00          1
                                       6.750          1,059.81         95
                                       6.500          1,059.81
    MIAMI            FL   33186          5            01/10/03         04
    0414717843                           05           03/01/03         30
    0414717843                           O            02/01/33
    0

    8365181          E22/G02             F          546,000.00         ZZ
                                         360        546,000.00          1
                                       6.125          3,317.55         75
                                       5.875          3,317.55
    NEWCASTLE        CA   95658          5            12/31/02         00
    0414891358                           05           03/01/03          0
    0414891358                           O            02/01/33
    0

    8365195          E22/G02             F           96,000.00         ZZ
                                         360         96,000.00          1
                                       7.375            663.05         80
                                       7.125            663.05
    FORT LAUDERDALE  FL   33304          1            01/15/03         00
    0415407527                           08           03/01/03          0
    0415407527                           N            02/01/33
    0

    8365207          E22/G02             F           67,500.00         ZZ
                                         360         67,500.00          1
                                       6.750            437.80         74
                                       6.500            437.80
    ST LOUIS         MO   63116          5            01/10/03         00
    0415545466                           05           03/01/03          0
    0415545466                           O            02/01/33
    0

    8365213          E22/G02             F          109,500.00         ZZ
                                         360        109,500.00          1
                                       6.375            683.14         80
                                       6.125            683.14
    ROGERSVILLE      TN   37857          2            01/10/03         00
    0415549716                           05           03/01/03          0
    0415549716                           O            02/01/33
    0
1

    8365215          E22/G02             F          286,000.00         ZZ
                                         360        286,000.00          1
                                       6.250          1,760.95         80
                                       6.000          1,760.95
    CONROE           TX   77302          5            01/10/03         00
    0415555507                           03           03/01/03          0
    0415555507                           O            02/01/33
    0

    8365219          E22/G02             F          134,000.00         ZZ
                                         360        134,000.00          4
                                       7.125            902.78         80
                                       6.875            902.78
    FRESNO           CA   93703          1            01/07/03         00
    0415573005                           05           03/01/03          0
    0415573005                           N            02/01/33
    0

    8365229          E82/G02             F          146,500.00         ZZ
                                         360        146,500.00          1
                                       6.750            950.20         74
                                       6.500            950.20
    KANSAS CITY      MO   64155          2            01/09/03         00
    0400755526                           05           03/01/03          0
    5159633                              O            02/01/33
    0

    8365465          P01/G02             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       6.875            854.01         55
                                       6.625            854.01
    SARATOGA SPRING  NY   12866          5            12/30/02         00
    0435244546                           05           03/01/03          0
    02001377                             O            02/01/33
    0

    8365547          B39/G02             F          188,100.00         ZZ
                                         360        188,100.00          1
                                       7.625          1,331.36         95
                                       7.375          1,331.36
    ST. PAUL         MN   55102          2            01/10/03         12
    0435219001                           05           03/01/03         30
    20020089F                            O            02/01/33
    0

    8365637          K15/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
1

                                       6.875            709.48         75
                                       6.625            709.48
    GRAND RAPIDS     MI   49505          5            01/03/03         00
    0435276225                           05           03/01/03          0
    035905508233                         O            02/01/33
    0

    8365651          Q30/G02             F           90,000.00         ZZ
                                         360         89,920.59          1
                                       6.625            576.28         35
                                       6.375            576.28
    NEW FAIRFIELD    CT   06812          5            12/24/02         00
    0435265228                           05           02/01/03          0
    21019378                             O            01/01/33
    0

    8365709          K15/G02             F          101,200.00         ZZ
                                         240        101,200.00          1
                                       6.625            761.99         75
                                       6.375            761.99
    BELLEVUE         IA   52031          2            01/09/03         00
    0435277587                           05           03/01/03          0
    029405505592                         O            02/01/23
    0

    8365803          758/G02             F           86,500.00         ZZ
                                         360         86,500.00          2
                                       7.000            575.49         78
                                       6.750            575.49
    COLLEGE STATION  TX   77840          2            01/09/03         00
    0435340765                           05           03/01/03          0
    1                                    N            02/01/33
    0

    8365839          E76/G02             F          103,700.00         ZZ
                                         360        103,700.00          1
                                       7.500            725.09         85
                                       7.250            725.09
    NEWCASTLE        OK   73065          5            01/09/03         04
    0435332093                           05           03/01/03         12
    10019560                             O            02/01/33
    0

    8365851          K15/G02             F          265,600.00         ZZ
                                         360        265,600.00          1
                                       6.375          1,657.00         80
                                       6.125          1,657.00
    ATLANTIQUE       NY   11770          5            01/03/03         00
    0435282454                           05           03/01/03          0
1

    020705508120                         O            02/01/33
    0

    8365863          E57/G02             F          232,000.00         ZZ
                                         360        232,000.00          3
                                       6.750          1,504.75         75
                                       6.500          1,504.75
    HAWTHORNE        CA   90250          5            01/09/03         00
    0435269378                           05           03/01/03          0
    06013043                             O            02/01/33
    0

    8365879          K15/G02             F          229,500.00         ZZ
                                         360        229,500.00          2
                                       6.750          1,488.53         85
                                       6.500          1,488.53
    QUEENS VILLAGE   NY   11429          5            01/09/03         41
    0435280094                           05           03/01/03         12
    020705508760                         O            02/01/33
    0

    8366063          369/G02             F          102,300.00         ZZ
                                         360        102,214.05          1
                                       6.875            672.04         80
                                       6.625            672.04
    PHOENIX          AZ   85051          1            12/13/02         00
    0435261375                           05           02/01/03          0
    26410545                             N            01/01/33
    0

    8366371          U42/G02             F           99,000.00         ZZ
                                         360         99,000.00          1
                                       7.000            658.65         75
                                       6.750            658.65
    FORT WORTH       TX   76109          5            01/14/03         00
    0435288055                           05           03/01/03          0
    33300019                             N            02/01/33
    0

    8366477          R84/G02             F          440,000.00         ZZ
                                         360        440,000.00          1
                                       6.625          2,817.37         67
                                       6.375          2,817.37
    RICHMOND         TX   77469          5            01/08/03         00
    0435287735                           03           03/01/03          0
    0652795                              O            02/01/33
    0

1

    8366479          A06/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.500          1,264.14         80
                                       6.250          1,264.14
    FARMINGTON HILL  MI   48336          2            01/08/03         00
    0435249305                           05           03/01/03          0
    021000020233233                      O            02/01/33
    0

    8366505          A46/G02             F          137,600.00         ZZ
                                         360        137,600.00          4
                                       6.375            858.45         80
                                       6.125            858.45
    AUSTIN           TX   78745          1            01/13/03         00
    0435265996                           05           03/01/03          0
    0726011                              N            02/01/33
    0

    8366525          U97/G02             F          442,500.00         ZZ
                                         360        442,500.00          1
                                       6.500          2,796.90         74
                                       6.250          2,796.90
    SAN JOSE         CA   95132          5            01/08/03         00
    0435260955                           05           03/01/03          0
    97317401                             O            02/01/33
    0

    8366545          E47/G02             F           82,000.00         ZZ
                                         360         82,000.00          1
                                       6.250            504.89         80
                                       6.000            504.89
    SAN ANTONIO      TX   78217          5            01/07/03         00
    0435297924                           05           03/01/03          0
    7329012976                           O            02/01/33
    0

    8366571          926/G02             F           34,500.00         ZZ
                                         360         34,470.29          1
                                       6.750            223.77         77
                                       6.500            223.77
    HILTON HEAD ISL  SC   29928          2            12/27/02         00
    0435259734                           01           02/01/03          0
    021111876                            N            01/01/33
    0

    8366575          U05/G02             F          495,000.00         ZZ
                                         360        494,541.53          1
                                       6.375          3,088.16         74
                                       6.125          3,088.16
1

    GLENDALE         CA   91206          2            12/20/02         00
    0435251640                           05           02/01/03          0
    3293417                              O            01/01/33
    0

    8366589          926/G02             F           43,600.00         ZZ
                                         360         43,562.46          1
                                       6.750            282.79         80
                                       6.500            282.79
    HILTON HEAD ISL  SC   29928          1            12/30/02         00
    0435294335                           01           02/01/03          0
    021111817                            O            01/01/33
    0

    8366597          N34/G02             F          240,000.00         ZZ
                                         360        240,000.00          2
                                       6.250          1,477.72         88
                                       6.000          1,477.72
    CHICAGO          IL   60618          5            01/14/03         10
    0435263884                           05           03/01/03         25
    0662890                              O            02/01/33
    0

    8366599          B57/G02             F          328,000.00         ZZ
                                         360        328,000.00          1
                                       6.625          2,100.22         80
                                       6.375          2,100.22
    FRESNO           CA   93720          1            01/07/03         00
    0435284096                           05           03/01/03          0
    70000506                             O            02/01/33
    0

    8366603          U05/G02             F          385,000.00         ZZ
                                         360        385,000.00          1
                                       6.625          2,465.20         60
                                       6.375          2,465.20
    LOS ANGELES      CA   90028          5            01/03/03         00
    0435232384                           05           03/01/03          0
    3295717                              N            02/01/33
    0

    8366605          E65/G02             F          208,000.00         ZZ
                                         360        208,000.00          1
                                       6.625          1,331.85         80
                                       6.375          1,331.85
    DEWITT           MI   48820          2            01/03/03         00
    0435290051                           05           03/01/03          0
    254599                               O            02/01/33
    0
1

    8366671          K60/G02             F           97,900.00         ZZ
                                         360         97,900.00          1
                                       6.750            634.98         64
                                       6.500            634.98
    TUCSON           AZ   85730          2            01/03/03         00
    0435291364                           05           03/01/03          0
    72928                                O            02/01/33
    0

    8367079          U05/G02             F          480,000.00         ZZ
                                         360        479,555.42          1
                                       6.375          2,994.58         80
                                       6.125          2,994.58
    AUBURN           CA   95603          1            12/23/02         00
    0435268305                           05           02/01/03          0
    3292783                              O            01/01/33
    0

    8367095          M07/G02             F          184,000.00         ZZ
                                         360        184,000.00          1
                                       6.625          1,178.17         80
                                       6.375          1,178.17
    REDLANDS         CA   92374          1            01/13/03         00
    0435258678                           05           03/01/03          0
    02212345                             O            02/01/33
    0

    8367107          X67/G02             F          213,100.00         ZZ
                                         360        212,929.59          1
                                       7.125          1,435.69         80
                                       6.875          1,435.69
    MURRIETA         CA   92563          1            12/06/02         00
    0435280268                           05           02/01/03          0
    00281230                             O            01/01/33
    0

    8367185          950/G02             F          101,250.00         ZZ
                                         360        101,172.96          1
                                       7.375            699.31         75
                                       7.125            699.31
    CHICO            CA   95928          5            12/19/02         00
    0435271879                           03           02/01/03          0
    AE211016                             N            01/01/33
    0

    8367195          X31/G02             F          365,000.00         ZZ
                                         360        365,000.00          1
1

                                       6.250          2,247.37         79
                                       6.000          2,247.37
    LOS ANGELES      CA   90064          5            01/09/03         00
    0435268909                           05           03/01/03          0
    11001605                             O            02/01/33
    0

    8367257          X31/G02             F          244,000.00         ZZ
                                         360        244,000.00          4
                                       6.875          1,602.91         67
                                       6.625          1,602.91
    VAN NUYS         CA   91401          2            01/03/03         00
    0435291349                           05           03/01/03          0
    11001518                             N            02/01/33
    0

    8367291          P44/G02             F          448,800.00         ZZ
                                         360        448,800.00          1
                                       6.750          2,910.91         85
                                       6.500          2,910.91
    BEDFORD          MA   01730          1            01/14/03         10
    0435281449                           05           03/01/03         12
    539233007                            O            02/01/33
    0

    8367581          975/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.125          3,038.05         80
                                       5.875          3,038.05
    VILLA PARK       CA   92861          1            01/09/03         00
    0435269469                           05           03/01/03          0
    2025929                              O            02/01/33
    0

    8367585          X78/G02             F           62,800.00         ZZ
                                         360         62,800.00          1
                                       7.625            444.49         80
                                       7.375            444.49
    DOUGLASVILLE     GA   30135          1            01/15/03         00
    0435275631                           05           03/01/03          0
    990270                               N            02/01/33
    0

    8367691          L76/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       6.250            886.63         72
                                       6.000            886.63
    SOUTH HAVEN      MN   55382          5            01/15/03         00
    0435270061                           05           03/01/03          0
1

    9507392                              O            02/01/33
    0

    8367785          588/G02             F          420,000.00         ZZ
                                         360        419,647.15          1
                                       6.875          2,759.10         75
                                       6.625          2,759.10
    WEST ORANGE      NJ   07052          1            12/24/02         00
    0435316500                           05           02/01/03          0
    10836046                             O            01/01/33
    0

    8367855          964/G02             F          230,500.00         ZZ
                                         360        230,281.29          1
                                       6.250          1,419.23         47
                                       6.000          1,419.23
    LOS ANGELES      CA   90066          2            12/13/02         00
    0435330998                           05           02/01/03          0
    276249                               O            01/01/33
    0

    8368139          E82/G02             F           89,550.00         ZZ
                                         360         89,550.00          1
                                       6.375            558.68         72
                                       6.125            558.68
    ROWLETT          TX   75088          2            01/21/03         00
    0400747895                           03           03/01/03          0
    1961726                              N            02/01/33
    0

    8368147          E82/G02             F          210,900.00         ZZ
                                         360        210,900.00          2
                                       7.250          1,438.71         89
                                       7.000          1,438.71
    PENINSULA TOWNS  MI   49686          2            01/15/03         04
    0400756896                           05           03/01/03         25
    5516976                              O            02/01/33
    0

    8368153          E82/G02             F           62,000.00         ZZ
                                         360         62,000.00          1
                                       6.375            386.80         74
                                       6.125            386.80
    SHELTON          WA   98584          2            01/14/03         00
    0400753109                           03           03/01/03          0
    0400753109                           O            02/01/33
    0

1

    8368155          E82/G02             F          145,000.00         ZZ
                                         360        145,000.00          1
                                       6.750            940.47         58
                                       6.500            940.47
    ST PAUL          MN   55105          5            01/15/03         00
    0400752416                           05           03/01/03          0
    0400752416                           O            02/01/33
    0

    8368201          E82/G02             F          125,250.00         ZZ
                                         360        125,250.00          1
                                       6.500            791.67         67
                                       6.250            791.67
    GARLAND          UT   84312          5            01/15/03         00
    0400755856                           05           03/01/03          0
    400755856                            O            02/01/33
    0

    8368523          E22/G02             F          146,000.00         ZZ
                                         360        146,000.00          1
                                       6.375            910.85         79
                                       6.125            910.85
    SACRAMENTO       CA   95831          2            01/02/03         00
    0415362821                           07           03/01/03          0
    0415362821                           O            02/01/33
    0

    8368525          E22/G02             F          236,250.00         ZZ
                                         360        236,250.00          1
                                       6.500          1,493.26         90
                                       6.250          1,493.26
    CHINO HILLS      CA   91709          1            01/10/03         04
    0415445758                           09           03/01/03         25
    0415445758                           O            02/01/33
    0

    8368543          E22/G02             F          298,000.00         ZZ
                                         360        298,000.00          4
                                       6.375          1,859.13         80
                                       6.125          1,859.13
    LOS ANGELES      CA   90057          2            01/07/03         00
    0415495696                           05           03/01/03          0
    0415495696                           O            02/01/33
    0

    8368549          E22/G02             F          232,600.00         ZZ
                                         360        232,600.00          1
                                       6.250          1,432.16         78
                                       6.000          1,432.16
1

    TUSTIN           CA   92782          2            01/13/03         00
    0415516392                           01           03/01/03          0
    0415516392                           N            02/01/33
    0

    8368555          E22/G02             F          177,000.00         ZZ
                                         360        177,000.00          1
                                       6.375          1,104.25         85
                                       6.125          1,104.25
    LINEVILLE        AL   36266          2            01/10/03         10
    0415595875                           05           03/01/03         12
    0415595875                           O            02/01/33
    0

    8368561          E22/G02             F          213,000.00         ZZ
                                         360        213,000.00          1
                                       6.750          1,381.51         52
                                       6.500          1,381.51
    GRASS VALLEY     CA   95945          5            01/03/03         00
    0415627702                           05           03/01/03          0
    0415627702                           O            02/01/33
    0

    8368573          E22/G02             F          354,400.00         ZZ
                                         360        354,400.00          1
                                       6.500          2,240.05         80
                                       6.250          2,240.05
    LAKEWOOD         CA   90712          1            01/10/03         00
    0415652346                           03           03/01/03          0
    0415652346                           O            02/01/33
    0

    8368575          E22/G02             F           46,350.00         ZZ
                                         360         46,350.00          1
                                       7.000            308.37         90
                                       6.750            308.37
    PASCO            WA   99301          1            01/09/03         10
    0415652700                           05           03/01/03         25
    0415652700                           N            02/01/33
    0

    8368587          E22/G02             F          138,000.00         ZZ
                                         360        138,000.00          1
                                       6.125            838.50         75
                                       5.875            838.50
    COLORADO SPRING  CO   80918          5            01/16/03         00
    0415672583                           05           03/01/03          0
    0415672583                           N            02/01/33
    0
1

    8368593          E22/G02             F          101,500.00         ZZ
                                         360        101,500.00          1
                                       7.500            709.70         62
                                       7.250            709.70
    LAGUNA WOODS     CA   92653          5            01/04/03         00
    0415693431                           01           03/01/03          0
    0415693431                           N            02/01/33
    0

    8368597          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          4
                                       6.750            674.54         80
                                       6.500            674.54
    CINCINNATI       OH   45239          1            01/16/03         00
    0415703230                           05           03/01/03          0
    0415703230                           N            02/01/33
    0

    8368603          E22/G02             F           48,600.00         ZZ
                                         360         48,600.00          1
                                       7.375            335.67         90
                                       7.125            335.67
    PORTSMOUTH       VA   23702          1            01/16/03         01
    0415716539                           05           03/01/03         25
    0415716539                           O            02/01/33
    0

    8368607          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          4
                                       6.750            674.54         80
                                       6.500            674.54
    CINCINNATI       OH   45239          1            01/16/03         00
    0415726660                           05           03/01/03          0
    0415726660                           N            02/01/33
    0

    8368609          E22/G02             F          267,000.00         ZZ
                                         360        267,000.00          1
                                       6.250          1,643.96         80
                                       6.000          1,643.96
    LA MIRADA        CA   90638          5            01/10/03         00
    0415729425                           05           03/01/03          0
    0415729425                           O            02/01/33
    0

    8368623          E22/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
1

                                       6.375          3,119.35         79
                                       6.125          3,119.35
    SIMI VALLEY      CA   93065          2            01/09/03         00
    0415763242                           05           03/01/03          0
    0415763242                           O            02/01/33
    0

    8368653          E22/G02             F          152,800.00         ZZ
                                         360        152,800.00          1
                                       5.875            903.87         95
                                       5.625            903.87
    GREENVILLE       SC   29607          2            01/16/03         04
    0415780212                           05           03/01/03         30
    0415780212                           O            02/01/33
    0

    8368657          E22/G02             F          255,600.00         ZZ
                                         360        255,600.00          1
                                       5.875          1,511.97         80
                                       5.625          1,511.97
    LA VERNE         CA   91750          1            01/07/03         00
    0415792159                           03           03/01/03          0
    0415792159                           O            02/01/33
    0

    8368669          E22/G02             F          259,200.00         ZZ
                                         360        259,200.00          2
                                       6.750          1,681.17         87
                                       6.500          1,681.17
    DANBURY          CT   06470          1            01/16/03         04
    0415822097                           05           03/01/03         25
    0415822097                           N            02/01/33
    0

    8368683          E22/G02             F          215,200.00         ZZ
                                         360        215,200.00          1
                                       6.500          1,360.21         80
                                       6.250          1,360.21
    REDDING          CA   96002          1            01/03/03         00
    0415843515                           05           03/01/03          0
    0415843515                           O            02/01/33
    0

    8368685          E22/G02             F          110,000.00         ZZ
                                         360        110,000.00          3
                                       6.625            704.34         74
                                       6.375            704.34
    DEWITT           MI   48820          1            01/16/03         00
    0415846609                           05           03/01/03          0
1

    0415846609                           N            02/01/33
    0

    8368697          E22/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.250          3,078.59         78
                                       6.000          3,078.59
    ESCONDIDO        CA   92025          1            01/09/03         00
    0415884378                           05           03/01/03          0
    0415884378                           O            02/01/33
    0

    8368699          E22/G02             F           58,400.00         ZZ
                                         360         58,400.00          1
                                       6.875            383.65         80
                                       6.625            383.65
    MIDLAND          MI   48640          1            01/16/03         00
    0415885185                           05           03/01/03          0
    0415885185                           N            02/01/33
    0

    8368731          Q14/G02             F          114,500.00         ZZ
                                         360        114,500.00          1
                                       7.000            761.77         79
                                       6.750            761.77
    OAK GROVE        MO   64075          5            01/13/03         00
    0435249115                           05           03/01/03          0
    000210896                            O            02/01/33
    0

    8368781          E76/G02             F           57,000.00         ZZ
                                         360         57,000.00          1
                                       7.375            393.68         74
                                       7.125            393.68
    NEW PORT RICHEY  FL   34652          2            01/15/03         00
    0435265590                           05           03/01/03          0
    10019141                             N            02/01/33
    0

    8368819          E76/G02             F          166,500.00         ZZ
                                         360        166,500.00          4
                                       6.125          1,011.67         90
                                       5.875          1,011.67
    WINTER SPRINGS   FL   32708          1            01/10/03         10
    0435287164                           07           03/01/03         25
    10020306                             N            02/01/33
    0

1

    8369059          M27/G02             F          250,000.00         T
                                         360        250,000.00          1
                                       6.500          1,580.17         63
                                       6.250          1,580.17
    NORTH TOPSAIL B  NC   28460          5            01/09/03         00
    0435303623                           05           03/01/03          0
    0100025206                           O            02/01/33
    0

    8369099          P44/G02             F          199,200.00         ZZ
                                         360        199,200.00          1
                                       6.000          1,194.30         80
                                       5.750          1,194.30
    BROOKFIELD       MA   01506          5            01/09/03         00
    0435261201                           05           03/01/03          0
    02111697                             O            02/01/33
    0

    8369177          742/G02             F          475,000.00         ZZ
                                         360        475,000.00          1
                                       6.625          3,041.48         68
                                       6.375          3,041.48
    MOUNT VERNON     NY   10552          5            01/09/03         00
    0435280870                           05           03/01/03          0
    5862784                              O            02/01/33
    0

    8369431          P30/G02             F          262,000.00         ZZ
                                         360        262,000.00          1
                                       6.500          1,656.02         80
                                       6.250          1,656.02
    GREENSBORO       NC   27408          1            01/17/03         00
    0435280854                           09           03/01/03          0
    0653721                              O            02/01/33
    0

    8369629          B44/G02             F          208,000.00         ZZ
                                         360        208,000.00          1
                                       6.375          1,297.65         80
                                       6.125          1,297.65
    ORANGEVALE       CA   95662          2            01/08/03         00
    0435277942                           05           03/01/03          0
    2022391                              O            02/01/33
    0

    8369631          U35/G02             F          107,000.00         ZZ
                                         360        107,000.00          1
                                       6.750            694.00         99
                                       6.500            694.00
1

    NEENAH           WI   54956          2            01/10/03         01
    0435283056                           05           03/01/03         35
    0007635935                           O            02/01/33
    0

    8369717          Q87/G02             F           63,900.00         ZZ
                                         360         63,850.15          1
                                       7.250            435.91         90
                                       7.000            435.91
    CULLMAN          AL   35055          5            01/16/03         04
    0435283403                           05           02/22/03         25
    MCSU01                               O            01/22/33
    0

    8369783          950/G02             F           44,000.00         ZZ
                                         360         43,959.25          1
                                       6.375            274.50         80
                                       6.125            274.50
    CENTRALIA        WA   98531          1            12/30/02         00
    0435282702                           05           02/01/03          0
    EW2C283                              N            01/01/33
    0

    8369827          X05/G02             F          208,000.00         ZZ
                                         360        208,000.00          2
                                       6.500          1,314.70         80
                                       6.250          1,314.70
    VISTA            CA   92083          1            01/08/03         00
    0435284047                           05           03/01/03          0
    01212399                             N            02/01/33
    0

    8369841          G34/G02             F          276,000.00         ZZ
                                         360        276,000.00          1
                                       6.375          1,721.88         58
                                       6.125          1,721.88
    HENDERSON        NV   89052          1            01/14/03         00
    0435262191                           05           03/01/03          0
    59212328                             O            02/01/33
    0

    8369857          830/G02             F           85,000.00         ZZ
                                         360         84,933.69          1
                                       7.250            579.85         85
                                       7.000            579.85
    MAGNA            UT   84044          5            12/19/02         14
    0435264767                           05           02/01/03         12
    02110021                             O            01/01/33
    0
1

    8369957          E11/G02             F          120,000.00         ZZ
                                         360        120,000.00          4
                                       7.625            849.35         54
                                       7.375            849.35
    ST PAUL          MN   55106          5            01/15/03         00
    0435285168                           05           03/01/03          0
    00140010502868                       N            02/01/33
    0

    8369969          K15/G02             F          133,700.00         ZZ
                                         360        133,700.00          1
                                       7.625            946.32         95
                                       7.375            946.32
    HARTLAND         VT   05048          5            01/10/03         41
    0435281845                           05           03/01/03         30
    037105505546                         O            02/01/33
    0

    8369975          F36/G02             F          151,960.00         ZZ
                                         360        151,960.00          2
                                       6.500            960.49         80
                                       6.250            960.49
    TACOMA           WA   98444          1            01/03/03         00
    0435270376                           05           03/01/03          0
    06405685                             N            02/01/33
    0

    8370037          696/G02             F          190,000.00         ZZ
                                         360        189,824.03          1
                                       6.375          1,185.35         44
                                       6.125          1,185.35
    DERWOOD          MD   20855          5            01/03/03         00
    0435248430                           05           02/01/03          0
    32902436                             O            01/01/33
    0

    8370175          F36/G02             F          368,000.00         ZZ
                                         360        367,705.72          1
                                       7.125          2,479.28         95
                                       6.875          2,479.28
    TACOMA           WA   98403          1            12/27/02         14
    0435265921                           05           02/01/03         30
    06405690                             O            01/01/33
    0

    8370801          K15/G02             F          204,000.00         ZZ
                                         360        204,000.00          1
1

                                       6.375          1,272.69         80
                                       6.125          1,272.69
    FREEPORT         NY   11520          2            01/14/03         00
    0435280706                           05           03/01/03          0
    021205508845                         O            02/01/33
    0

    8370807          U05/G02             F          142,000.00         ZZ
                                         360        141,874.72          1
                                       6.625            909.24         45
                                       6.375            909.24
    SAN PABLO        CA   94806          5            12/27/02         00
    0435282421                           05           02/01/03          0
    3293104                              O            01/01/33
    0

    8371939          E22/G02             F          381,000.00         ZZ
                                         360        381,000.00          1
                                       6.250          2,345.88         64
                                       6.000          2,345.88
    BELLEVILLE       MI   48111          2            01/15/03         00
    0415245133                           05           03/01/03          0
    0415245133                           O            02/01/33
    0

    8371945          E22/G02             F          413,000.00         ZZ
                                         360        413,000.00          1
                                       6.250          2,542.91         80
                                       6.000          2,542.91
    SAN JOSE         CA   95132          5            12/31/02         00
    0415396704                           05           03/01/03          0
    0415396704                           O            02/01/33
    0

    8371951          E22/G02             F          155,000.00         ZZ
                                         360        155,000.00          1
                                       6.750          1,005.33         49
                                       6.500          1,005.33
    SUSSEX           NJ   07461          5            01/13/03         00
    0415491810                           05           03/01/03          0
    0415491810                           O            02/01/33
    0

    8371953          E22/G02             F          460,000.00         ZZ
                                         360        460,000.00          1
                                       6.250          2,832.30         78
                                       6.000          2,832.30
    CORTE MADERA     CA   94925          5            01/10/03         00
    0415501295                           05           03/01/03          0
1

    0415501295                           O            02/01/33
    0

    8371957          E22/G02             F           67,500.00         ZZ
                                         360         67,500.00          1
                                       7.250            460.47         90
                                       7.000            460.47
    KANSAS CITY      MO   64110          2            01/13/03         04
    0415519875                           05           03/01/03         25
    0415519875                           N            02/01/33
    0

    8371959          E22/G02             F          140,000.00         ZZ
                                         360        140,000.00          2
                                       7.375            966.95         54
                                       7.125            966.95
    LONG BRANCH      NJ   07740          2            01/17/03         00
    0415546365                           05           03/01/03          0
    0415546365                           N            02/01/33
    0

    8371961          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.750          1,297.20         28
                                       6.500          1,297.20
    EAGLE            ID   83616          5            12/30/02         00
    0415547561                           03           03/01/03          0
    0415547561                           O            02/01/33
    0

    8371963          E22/G02             F          126,100.00         ZZ
                                         360        126,100.00          1
                                       6.500            797.04         76
                                       6.250            797.04
    WALLA WALLA      WA   99362          2            01/09/03         00
    0415550243                           05           03/01/03          0
    0415550243                           O            02/01/33
    0

    8371987          E22/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       6.875            525.54         82
                                       6.625            525.54
    COLUMBUS         OH   43232          2            01/13/03         04
    0415634468                           05           03/01/03         12
    0415634468                           O            02/01/33
    0

1

    8371989          E22/G02             F          143,560.00         ZZ
                                         360        143,560.00          1
                                       6.750            931.13         97
                                       6.500            931.13
    ORLANDO          FL   32808          2            01/13/03         04
    0415634567                           03           03/01/03         35
    0415634567                           O            02/01/33
    0

    8371997          E22/G02             F           96,000.00         ZZ
                                         360         96,000.00          1
                                       7.375            663.05         74
                                       7.125            663.05
    SOUTHFIELD       MI   48034          5            01/15/03         00
    0415653997                           01           03/01/03          0
    0415653997                           O            02/01/33
    0

    8371999          E22/G02             F          118,000.00         ZZ
                                         360        118,000.00          1
                                       6.375            736.17         78
                                       6.125            736.17
    CARSON CITY      NV   89703          2            01/09/03         00
    0415663764                           05           03/01/03          0
    0415663764                           O            02/01/33
    0

    8372005          E22/G02             F          135,000.00         ZZ
                                         360        135,000.00          1
                                       7.750            967.16         90
                                       7.500            967.16
    MIAMI            FL   33126          1            01/17/03         10
    0415679554                           05           03/01/03         30
    0415679554                           O            02/01/33
    0

    8372007          E22/G02             F          125,500.00         ZZ
                                         360        125,500.00          1
                                       6.625            803.59         49
                                       6.375            803.59
    LAKEWOOD         CA   90715          5            01/07/03         00
    0415682988                           05           03/01/03          0
    0415682988                           O            02/01/33
    0

    8372015          E22/G02             F          202,400.00         ZZ
                                         360        202,400.00          1
                                       6.500          1,279.31         80
                                       6.250          1,279.31
1

    DOUBLE OAK       TX   75077          2            01/13/03         00
    0415695444                           05           03/01/03          0
    0415695444                           O            02/01/33
    0

    8372017          E22/G02             F           93,750.00         ZZ
                                         360         93,750.00          4
                                       6.250            577.23         75
                                       6.000            577.23
    ALBUQUERQUE      NM   87110          1            01/17/03         00
    0415699107                           05           03/01/03          0
    0415699107                           N            02/01/33
    0

    8372019          E22/G02             F          207,000.00         ZZ
                                         360        207,000.00          1
                                       6.375          1,291.41         90
                                       6.125          1,291.41
    EUGENE           OR   97405          5            01/08/03         10
    0415699206                           05           03/01/03         25
    0415699206                           O            02/01/33
    0

    8372059          E22/G02             F          255,000.00         ZZ
                                         360        255,000.00          1
                                       6.250          1,570.08         60
                                       6.000          1,570.08
    SEATTLE          WA   98116          5            01/08/03         00
    0415730399                           05           03/01/03          0
    0415730399                           O            02/01/33
    0

    8372063          E22/G02             F          140,000.00         ZZ
                                         360        140,000.00          1
                                       6.375            873.42         95
                                       6.125            873.42
    MAGNA            UT   84044          2            01/13/03         10
    0415733856                           05           03/01/03         30
    0415733856                           O            02/01/33
    0

    8372065          E22/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       6.750            726.43         80
                                       6.500            726.43
    ROYAL OAK        MI   48067          5            01/14/03         00
    0415734391                           05           03/01/03          0
    0415734391                           O            02/01/33
    0
1

    8372069          E22/G02             F           79,800.00         T
                                         360         79,800.00          1
                                       7.250            544.38         50
                                       7.000            544.38
    ST. AUGUSTINE    FL   32080          5            01/17/03         00
    0415736057                           01           03/01/03          0
    0415736057                           O            02/01/33
    0

    8372073          E22/G02             F           83,000.00         ZZ
                                         360         83,000.00          1
                                       6.625            531.46         40
                                       6.375            531.46
    EDISON           NJ   08817          1            01/17/03         00
    0415737030                           05           03/01/03          0
    0415737030                           O            02/01/33
    0

    8372075          E22/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       6.875            472.99         80
                                       6.625            472.99
    HUMBLE           TX   77338          5            01/13/03         00
    0415740299                           09           03/01/03          0
    0415740299                           O            02/01/33
    0

    8372079          E22/G02             F          333,000.00         ZZ
                                         360        333,000.00          1
                                       6.500          2,104.79         90
                                       6.250          2,104.79
    WASHINGTON TOWN  NJ   07066          1            01/17/03         10
    0415745132                           05           03/01/03         25
    0415745132                           O            02/01/33
    0

    8372085          E22/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       6.625            384.19         83
                                       6.375            384.19
    SOUTH BEND       IN   46628          5            01/13/03         01
    0415774207                           05           03/01/03         12
    0415774207                           O            02/01/33
    0

    8372091          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
1

                                       6.875            683.21         80
                                       6.625            683.21
    NORTH MIAMI      FL   33161          5            01/13/03         00
    0415778265                           05           03/01/03          0
    0415778265                           O            02/01/33
    0

    8372093          E22/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       6.375            948.28         80
                                       6.125            948.28
    RENTON           WA   98055          5            01/03/03         00
    0415778943                           05           03/01/03          0
    0415778943                           O            02/01/33
    0

    8372103          E22/G02             F           72,900.00         ZZ
                                         360         72,900.00          2
                                       7.750            522.26         90
                                       7.500            522.26
    NEW ORLEANS      LA   70119          2            01/17/03         01
    0415788942                           05           03/01/03         25
    0415788942                           N            02/01/33
    0

    8372105          E22/G02             F          203,870.00         ZZ
                                         360        203,870.00          1
                                       6.500          1,288.60         95
                                       6.250          1,288.60
    GREENVILLE       NC   27858          2            01/13/03         04
    0415790732                           05           03/01/03         30
    0415790732                           O            02/01/33
    0

    8372119          E22/G02             F          154,755.00         ZZ
                                         360        154,755.00          1
                                       6.875          1,016.63         95
                                       6.625          1,016.63
    LINDENHURST      IL   60046          1            01/17/03         04
    0415800994                           05           03/01/03         30
    0415800994                           O            02/01/33
    0

    8372123          E22/G02             F          204,000.00         ZZ
                                         360        204,000.00          1
                                       6.625          1,306.23         80
                                       6.375          1,306.23
    ANAHEIM          CA   92804          5            01/10/03         00
    0415810803                           01           03/01/03          0
1

    0415810803                           O            02/01/33
    0

    8372127          E22/G02             F           26,250.00         ZZ
                                         240         26,250.00          1
                                       6.875            201.55         75
                                       6.625            201.55
    PUEBLO           CO   81005          1            01/17/03         00
    0415814466                           05           03/01/03          0
    0415814466                           N            02/01/23
    0

    8372129          E22/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       5.875            473.23         52
                                       5.625            473.23
    BANNING          CA   92220          1            01/09/03         00
    0415816099                           05           03/01/03          0
    0415816099                           O            02/01/33
    0

    8372133          E22/G02             F           95,000.00         ZZ
                                         360         95,000.00          1
                                       6.500            600.46         78
                                       6.250            600.46
    TULSA            OK   74112          5            01/13/03         00
    0415819648                           05           03/01/03          0
    0415819648                           O            02/01/33
    0

    8372137          E22/G02             F          125,000.00         ZZ
                                         360        125,000.00          1
                                       6.375            779.84         75
                                       6.125            779.84
    ROSEVILLE        MI   48066          5            01/13/03         00
    0415821487                           05           03/01/03          0
    0415821487                           O            02/01/33
    0

    8372157          E22/G02             F           28,800.00         ZZ
                                         360         28,800.00          1
                                       7.500            201.37         90
                                       7.250            201.37
    CARBONDALE       IL   62901          1            01/17/03         04
    0415847656                           05           03/01/03         25
    0415847656                           N            02/01/33
    0

1

    8372161          E22/G02             F           57,600.00         ZZ
                                         360         57,600.00          1
                                       7.750            412.65         90
                                       7.500            412.65
    ASHEVILLE        NC   28806          2            01/17/03         10
    0415850452                           05           03/01/03         25
    0415850452                           N            02/01/33
    0

    8372163          E22/G02             F           46,400.00         T
                                         360         46,400.00          1
                                       7.750            332.42         80
                                       7.500            332.42
    BANGOR           MI   49013          1            01/21/03         00
    0415852763                           05           03/01/03          0
    0415852763                           O            02/01/33
    0

    8372165          E22/G02             F           78,000.00         ZZ
                                         360         78,000.00          2
                                       6.750            505.91         80
                                       6.500            505.91
    YERINGTON        NV   89447          2            01/03/03         00
    0415856723                           05           03/01/03          0
    0415856723                           N            02/01/33
    0

    8372169          E22/G02             F           57,600.00         ZZ
                                         360         57,600.00          1
                                       6.750            373.59         80
                                       6.500            373.59
    PASADENA         TX   77503          1            01/14/03         00
    0415860931                           05           03/01/03          0
    0415860931                           N            02/01/33
    0

    8372171          E22/G02             F          106,000.00         ZZ
                                         360        106,000.00          1
                                       6.250            652.66         66
                                       6.000            652.66
    PORTLAND         OR   97211          5            01/13/03         00
    0415864081                           05           03/01/03          0
    0415864081                           N            02/01/33
    0

    8372179          E22/G02             F          189,718.00         ZZ
                                         360        189,718.00          1
                                       6.750          1,230.51         85
                                       6.500          1,230.51
1

    MIAMI            FL   33177          1            01/17/03         04
    0415868306                           03           03/01/03         25
    0415868306                           O            02/01/33
    0

    8372185          E22/G02             F          113,400.00         ZZ
                                         360        113,400.00          1
                                       6.250            698.22         90
                                       6.000            698.22
    KEEGO HARBOR     MI   48320          1            01/21/03         04
    0415872738                           01           03/01/03         25
    0415872738                           O            02/01/33
    0

    8372187          E22/G02             F          103,000.00         ZZ
                                         360        103,000.00          1
                                       6.250            634.19         52
                                       6.000            634.19
    PORTLAND         OR   97212          2            01/14/03         00
    0415903293                           05           03/01/03          0
    0415903293                           N            02/01/33
    0

    8372189          E22/G02             F          198,000.00         ZZ
                                         360        198,000.00          2
                                       6.625          1,267.82         75
                                       6.375          1,267.82
    PORTLAND         OR   97215          2            01/10/03         00
    0415904168                           05           03/01/03          0
    0415904168                           N            02/01/33
    0

    8372191          E22/G02             F          244,000.00         ZZ
                                         360        244,000.00          2
                                       6.500          1,542.25         80
                                       6.250          1,542.25
    BLOOMFIELD       NJ   07003          1            01/17/03         00
    0415930775                           05           03/01/03          0
    0415930775                           O            02/01/33
    0

    8372195          U05/G02             F           94,500.00         ZZ
                                         360         94,500.00          4
                                       6.500            597.30         90
                                       6.250            597.30
    WASHINGTON       DC   20002          1            01/13/03         04
    0435283411                           05           03/01/03         25
    3296478                              N            02/01/33
    0
1

    8372273          E82/G02             F          144,100.00         ZZ
                                         360        144,100.00          1
                                       6.375            899.00         70
                                       6.125            899.00
    DENVER           CO   80203          2            01/13/03         00
    0400762498                           05           03/01/03          0
    1848325                              O            02/01/33
    0

    8372289          E82/G02             F           73,300.00         ZZ
                                         360         73,300.00          1
                                       6.375            457.30         59
                                       6.125            457.30
    BLOOMFIELD       NJ   07003          2            01/13/03         00
    0400743811                           01           03/01/03          0
    1620072                              O            02/01/33
    0

    8372293          E82/G02             F          298,800.00         ZZ
                                         360        298,800.00          1
                                       6.500          1,888.62         95
                                       6.250          1,888.62
    SALINAS          CA   93906          2            01/10/03         10
    0400753752                           09           03/01/03         30
    7681371                              O            02/01/33
    0

    8372301          E82/G02             F          185,600.00         ZZ
                                         360        185,600.00          1
                                       6.750          1,203.80         87
                                       6.500          1,203.80
    AURORA           CO   80013          2            01/13/03         10
    0400756805                           03           03/01/03         25
    0400756805                           O            02/01/33
    0

    8372349          R84/G02             F          150,000.00         ZZ
                                         360        150,000.00          1
                                       6.500            948.10         84
                                       6.250            948.10
    LAS VEGAS        NV   89128          1            01/07/03         10
    0435280938                           03           03/01/03         12
    LVW5500                              O            02/01/33
    0

    8372385          E57/G02             F          212,900.00         ZZ
                                         360        212,900.00          1
1

                                       6.125          1,293.60         60
                                       5.875          1,293.60
    TORRANCE         CA   90503          1            01/09/03         00
    0435279658                           01           03/01/03          0
    06013167                             O            02/01/33
    0

    8372485          P09/G02             F          259,000.00         ZZ
                                         360        259,000.00          1
                                       6.250          1,594.71         95
                                       6.000          1,594.71
    UPPER MARLBORO   MD   20772          2            01/15/03         10
    0435280888                           05           03/01/03         30
    R0209687                             O            02/01/33
    0

    8372499          168/168             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.750          2,075.51         75
                                       6.500          2,075.51
    CHESTER          NJ   07930          5            01/03/03         00
    0099693275                           05           03/01/03          0
    0099693275                           O            02/01/33
    0

    8372639          P09/G02             F          164,700.00         ZZ
                                         360        164,700.00          1
                                       7.150          1,112.39         90
                                       6.900          1,112.39
    UPPER MARLBORO   MD   20772          5            01/13/03         10
    0435276720                           05           03/01/03         30
    02120098                             O            02/01/33
    0

    8372641          253/253             F          131,500.00         ZZ
                                         360        131,397.41          1
                                       7.250            897.07         78
                                       7.000            897.07
    ALBUQUERQUE      NM   87123          2            12/30/02         00
    451878                               05           02/01/03          0
    451878                               N            01/01/33
    0

    8372653          883/G02             F           91,000.00         ZZ
                                         360         91,000.00          1
                                       6.375            567.72         93
                                       6.125            567.72
    PHENIX CITY      AL   36870          2            01/07/03         14
    0435281860                           05           03/01/03         30
1

    05020047                             O            02/01/33
    0

    8372711          253/253             F           53,010.00         ZZ
                                         360         52,969.66          1
                                       7.375            366.13         90
                                       7.125            366.13
    BALTIMORE        MD   21216          1            12/31/02         14
    451028                               05           02/01/03         25
    451028                               N            01/01/33
    0

    8372747          K15/G02             F          124,000.00         ZZ
                                         360        124,000.00          1
                                       6.375            773.60         80
                                       6.125            773.60
    ALBION           MI   49224          5            01/10/03         00
    0435286190                           05           03/01/03          0
    036305507866                         O            02/01/33
    0

    8373295          U05/G02             F          344,000.00         ZZ
                                         360        343,673.60          1
                                       6.250          2,118.07         80
                                       6.000          2,118.07
    VACAVILLE        CA   95687          5            12/24/02         00
    0435286216                           05           02/01/03          0
    3286792                              O            01/01/33
    0

    8373507          E57/G02             F          158,000.00         ZZ
                                         360        158,000.00          1
                                       6.250            972.83         63
                                       6.000            972.83
    WHITTIER         CA   90605          5            01/08/03         00
    0435283858                           05           03/01/03          0
    06013042                             O            02/01/33
    0

    8373615          420/G02             F          300,000.00         ZZ
                                         360        299,708.42          1
                                       6.125          1,822.83         77
                                       5.875          1,822.83
    REDWOOD VALLEY   CA   95470          5            12/24/02         00
    0435281514                           05           02/01/03          0
    72004356                             O            01/01/33
    0

1

    8374397          E82/G02             F          347,200.00         ZZ
                                         360        347,200.00          1
                                       6.750          2,251.93         74
                                       6.500          2,251.93
    WOODBRIDGE       VA   22191          2            01/16/03         00
    0400762365                           03           03/01/03          0
    5305689                              O            02/01/33
    0

    8374411          E82/G02             F          100,000.00         ZZ
                                         360        100,000.00          2
                                       7.000            665.30         58
                                       6.750            665.30
    AUSTIN           TX   78745          2            01/21/03         00
    0400748026                           05           03/01/03          0
    1607890                              N            02/01/33
    0

    8374545          E82/G02             F           50,300.00         ZZ
                                         360         50,300.00          1
                                       6.375            313.81         75
                                       6.125            313.81
    BACLIFF          TX   77518          2            01/14/03         00
    0400744652                           05           03/01/03          0
    1649718                              O            02/01/33
    0

    8374575          U19/G02             F          210,000.00         ZZ
                                         360        209,609.96          1
                                       6.375          1,310.13         68
                                       6.125          1,310.13
    WOODLAND HILLS   CA   91367          5            11/21/02         00
    0435280664                           05           01/01/03          0
    88041168                             O            12/01/32
    0

    8374637          L76/G02             F          134,300.00         ZZ
                                         360        134,300.00          1
                                       6.000            805.20         85
                                       5.750            805.20
    OWATONNA         MN   55060          5            01/16/03         26
    0435283791                           05           03/01/03         20
    9507268                              O            02/01/33
    0

    8374661          X07/G02             F           81,200.00         ZZ
                                         360         81,200.00          1
                                       7.125            547.06         82
                                       6.875            547.06
1

    MILWAUKEE        WI   53212          5            01/15/03         10
    0435280433                           05           03/01/03         12
    6910000870                           O            02/01/33
    0

    8374703          U97/G02             F          193,000.00         ZZ
                                         360        193,000.00          1
                                       6.375          1,204.07         77
                                       6.125          1,204.07
    LAKE FOREST      CA   92630          5            01/17/03         00
    0435283395                           01           03/01/03          0
    0638001                              O            02/01/33
    0

    8374809          T44/G02             F          168,000.00         ZZ
                                         360        167,851.78          2
                                       6.625          1,075.72         80
                                       6.375          1,075.72
    CRANSTON         RI   02920          1            01/08/03         00
    0435282694                           05           02/01/03          0
    1064369                              N            01/01/33
    0

    8374957          Q59/G02             F          214,800.00         ZZ
                                         360        214,800.00          1
                                       7.125          1,447.15         80
                                       6.875          1,447.15
    ANAHEIM          CA   92804          1            01/10/03         00
    0435312863                           05           03/01/03          0
    0000404429                           N            02/01/33
    0

    8375085          P01/G02             F           52,800.00         ZZ
                                         360         52,800.00          1
                                       7.625            373.82         80
                                       7.375            373.82
    NEW MILFORD      CT   06776          1            01/07/03         00
    0435269394                           01           03/01/03          0
    02004241                             N            02/01/33
    0

    8375121          X51/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.250          2,462.87         73
                                       6.000          2,462.87
    ELBURN           IL   60119          5            01/11/03         00
    0435272042                           05           03/01/03          0
    021226217                            O            02/01/33
    0
1

    8375137          U35/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       6.875            472.99         80
                                       6.625            472.99
    PRINCETON        IL   61356          1            01/17/03         00
    0435281092                           05           03/01/03          0
    0007569529                           N            02/01/33
    0

    8375175          P44/G02             F           58,000.00         ZZ
                                         360         58,000.00          1
                                       7.250            395.66         46
                                       7.000            395.66
    SOUTH YARMOUTH   MA   02664          1            01/14/03         00
    0435282652                           01           03/01/03          0
    LARSON                               N            02/01/33
    0

    8375221          532/G02             F           69,300.00         ZZ
                                         360         69,300.00          1
                                       6.250            426.69         58
                                       6.000            426.69
    FORTUNA          CA   95540          5            12/31/02         00
    0435284401                           05           03/01/03          0
    PF03066                              O            02/01/33
    0

    8375255          A46/G02             F           52,000.00         ZZ
                                         360         52,000.00          1
                                       7.250            354.74         80
                                       7.000            354.74
    SEABROOK         TX   77586          1            01/13/03         00
    0435280458                           05           03/01/03          0
    0295185                              N            02/01/33
    0

    8375387          M07/G02             F          134,000.00         ZZ
                                         360        134,000.00          1
                                       6.500            846.97         80
                                       6.250            846.97
    LAKE ARROWHEAD   CA   92352          5            01/08/03         00
    0435282736                           05           03/01/03          0
    01021219                             O            02/01/33
    0

    8375655          G34/G02             F          110,000.00         ZZ
                                         360        110,000.00          1
1

                                       6.375            686.26         79
                                       6.125            686.26
    RED OAK          TX   75154          5            01/06/03         00
    0435290499                           05           03/01/03          0
    85211033                             O            02/01/33
    0

    8375671          Q14/G02             F          193,000.00         ZZ
                                         360        193,000.00          1
                                       6.500          1,219.89         69
                                       6.250          1,219.89
    CHICAGO          IL   60647          5            01/14/03         00
    0435249354                           05           03/01/03          0
    00000210637                          O            02/01/33
    0

    8375811          X67/G02             F          291,200.00         ZZ
                                         360        290,930.29          1
                                       6.375          1,816.71         80
                                       6.125          1,816.71
    BASS LAKE        CA   93604          1            12/18/02         00
    0435280185                           05           02/01/03          0
    00282120                             O            01/01/33
    0

    8375815          420/G02             F          360,000.00         ZZ
                                         360        359,666.57          1
                                       6.375          2,245.93         63
                                       6.125          2,245.93
    SANTA ROSA       CA   95409          5            12/27/02         00
    0435280565                           05           02/01/03          0
    72004169                             O            01/01/33
    0

    8375869          964/G02             F          430,000.00         ZZ
                                         360        429,601.74          1
                                       6.375          2,682.64         70
                                       6.125          2,682.64
    FREMONT          CA   94539          5            12/12/02         00
    0435281985                           03           02/01/03          0
    307379                               O            01/01/33
    0

    8375871          964/G02             F           91,800.00         ZZ
                                         360         91,720.97          1
                                       6.750            595.41         84
                                       6.500            595.41
    SAN BERNARDINO   CA   92405          5            12/26/02         04
    0435290580                           05           02/01/03         12
1

    280556                               O            01/01/33
    0

    8375879          964/G02             F          182,000.00         ZZ
                                         360        182,000.00          1
                                       6.000          1,091.18         70
                                       5.750          1,091.18
    TURLOCK          CA   95380          5            12/31/02         00
    0435291448                           05           03/01/03          0
    307383                               O            02/01/33
    0

    8375893          964/G02             F          121,600.00         ZZ
                                         360        121,600.00          1
                                       6.875            798.83         80
                                       6.625            798.83
    BEND             OR   97701          2            01/06/03         00
    0435295993                           05           03/01/03          0
    310267                               N            02/01/33
    0

    8375935          964/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.500          1,011.31         80
                                       6.250          1,011.31
    WESTMINSTER      CO   80021          2            01/03/03         00
    0435296165                           03           03/01/03          0
    313145                               O            02/01/33
    0

    8375937          964/G02             F          245,700.00         ZZ
                                         360        245,700.00          2
                                       6.625          1,573.24         45
                                       6.375          1,573.24
    SAN JOSE         CA   95126          2            12/27/02         00
    0435291794                           05           03/01/03          0
    308839                               O            02/01/33
    0

    8375939          964/G02             F          240,000.00         ZZ
                                         360        239,761.08          1
                                       6.000          1,438.92         47
                                       5.750          1,438.92
    MILPITAS         CA   95035          2            12/04/02         00
    0435283916                           03           02/01/03          0
    302614                               O            01/01/33
    0

1

    8375945          964/G02             F          160,400.00         ZZ
                                         360        160,400.00          1
                                       6.000            961.68         80
                                       5.750            961.68
    SACRAMENTO       CA   95827          1            01/08/03         00
    0435287214                           05           03/01/03          0
    312203                               O            02/01/33
    0

    8375947          964/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       6.250            935.89         89
                                       6.000            935.89
    KAYSVILLE        UT   84037          1            01/09/03         12
    0435291489                           05           03/01/03         25
    328499                               O            02/01/33
    0

    8375951          964/G02             F          293,000.00         ZZ
                                         360        293,000.00          1
                                       6.750          1,900.39         95
                                       6.500          1,900.39
    BROOMFIELD       CO   80020          2            01/09/03         04
    0435291927                           05           03/01/03         30
    324669                               O            02/01/33
    0

    8375953          964/G02             F          147,000.00         ZZ
                                         360        147,000.00          1
                                       6.250            905.10         80
                                       6.000            905.10
    TIGARD           OR   97223          5            12/31/02         00
    0435290341                           05           03/01/03          0
    305510                               O            02/01/33
    0

    8375955          964/G02             F          260,000.00         ZZ
                                         360        259,734.92          1
                                       5.875          1,538.00         56
                                       5.625          1,538.00
    SAN JOSE         CA   95111          2            12/23/02         00
    0435295613                           05           02/01/03          0
    299767                               O            01/01/33
    0

    8375959          X71/G02             F          192,500.00         ZZ
                                         360        192,500.00          1
                                       7.000          1,280.71         65
                                       6.750          1,280.71
1

    NASHVILLE        TN   37215          5            12/27/02         00
    0435319215                           05           03/01/03          0
    7577558                              N            02/01/33
    0

    8375969          964/G02             F          260,000.00         ZZ
                                         360        259,770.61          1
                                       6.625          1,664.81         68
                                       6.375          1,664.81
    MONTEREY PARK    CA   91755          2            12/23/02         00
    0435291919                           01           02/01/03          0
    262430                               O            01/01/33
    0

    8375971          964/G02             F          226,000.00         ZZ
                                         360        226,000.00          1
                                       6.000          1,354.98         61
                                       5.750          1,354.98
    SEATTLE          WA   98103          5            01/03/03         00
    0435286257                           05           03/01/03          0
    312729                               O            02/01/33
    0

    8375987          964/G02             F          112,000.00         ZZ
                                         360        111,898.75          1
                                       6.500            707.92         43
                                       6.250            707.92
    PASO ROBLES      CA   93446          5            12/26/02         00
    0435283726                           05           02/01/03          0
    325202                               O            01/01/33
    0

    8375989          964/G02             F          322,500.00         ZZ
                                         360        322,201.30          1
                                       6.375          2,011.98         75
                                       6.125          2,011.98
    SACRAMENTO       CA   95816          5            12/23/02         00
    0435254297                           05           02/01/03          0
    316480                               O            01/01/33
    0

    8375995          964/G02             F          119,672.00         ZZ
                                         360        119,558.45          1
                                       6.250            736.84         80
                                       6.000            736.84
    LAS VEGAS        NV   89148          1            12/27/02         00
    0435274576                           03           02/01/03          0
    322226                               O            01/01/33
    0
1

    8375999          964/G02             F          120,600.00         ZZ
                                         360        120,490.98          1
                                       6.500            762.27         74
                                       6.250            762.27
    PORTLAND         OR   97202          2            12/20/02         00
    0435257571                           05           02/01/03          0
    292051                               O            01/01/33
    0

    8376003          964/G02             F           86,000.00         ZZ
                                         360         85,922.25          1
                                       6.500            543.58         51
                                       6.250            543.58
    SUN CITY WEST    AZ   85375          1            12/27/02         00
    0435278270                           05           02/01/03          0
    321755                               O            01/01/33
    0

    8376011          964/G02             F          144,800.00         ZZ
                                         360        144,675.33          2
                                       6.750            939.17         80
                                       6.500            939.17
    SAINT HELENS     OR   97051          1            12/26/02         00
    0435273263                           05           02/01/03          0
    310742                               O            01/01/33
    0

    8376017          964/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       6.500            556.22         79
                                       6.250            556.22
    FOUNTAIN         CO   80817          1            01/10/03         00
    0435291000                           05           03/01/03          0
    321394                               O            02/01/33
    0

    8376019          964/G02             F          274,000.00         ZZ
                                         360        273,733.69          1
                                       6.125          1,664.85         67
                                       5.875          1,664.85
    SAN FRANCISCO    CA   94134          2            12/12/02         00
    0435278130                           05           02/01/03          0
    296386                               O            01/01/33
    0

    8376021          964/G02             F          336,500.00         ZZ
                                         360        336,180.71          1
1

                                       6.250          2,071.89         80
                                       6.000          2,071.89
    FRESNO           CA   93720          2            12/23/02         00
    0435257845                           03           02/01/03          0
    307886                               O            01/01/33
    0

    8376051          964/G02             F           95,000.00         ZZ
                                         360         94,907.67          1
                                       6.125            577.23         61
                                       5.875            577.23
    LAS VEGAS        NV   89107          5            12/24/02         00
    0435272315                           05           02/01/03          0
    316998                               O            01/01/33
    0

    8376065          964/G02             F          274,000.00         ZZ
                                         360        274,000.00          1
                                       6.500          1,731.87         33
                                       6.250          1,731.87
    SAN ANSELMO      CA   94960          2            12/26/02         00
    0435287511                           05           03/01/03          0
    311843                               O            02/01/33
    0

    8376067          964/G02             F          133,000.00         ZZ
                                         360        133,000.00          1
                                       5.875            786.75         53
                                       5.625            786.75
    NORTH HOLLYWOOD  CA   91605          2            12/26/02         00
    0435274832                           01           03/01/03          0
    310312                               O            02/01/33
    0

    8376077          964/G02             F          349,900.00         ZZ
                                         360        349,900.00          2
                                       6.625          2,240.45         62
                                       6.375          2,240.45
    SANTA BARBARA    CA   93103          5            01/02/03         00
    0435296082                           05           03/01/03          0
    321452                               N            02/01/33
    0

    8376079          964/G02             F          103,000.00         ZZ
                                         360        102,906.89          1
                                       6.500            651.03         72
                                       6.250            651.03
    FAIR OAKS        CA   95628          5            12/26/02         00
    0435242847                           01           02/01/03          0
1

    310338                               O            01/01/33
    0

    8376083          964/G02             F          201,000.00         ZZ
                                         360        200,813.83          1
                                       6.375          1,253.98         77
                                       6.125          1,253.98
    NORTH LAS VEGAS  NV   89031          2            12/23/02         00
    0435286950                           03           02/01/03          0
    314270                               O            01/01/33
    0

    8376087          964/G02             F          384,000.00         ZZ
                                         360        384,000.00          1
                                       6.375          2,395.66         80
                                       6.125          2,395.66
    PORTLAND         OR   97239          2            01/07/03         00
    0435282041                           05           03/01/03          0
    255834                               O            02/01/33
    0

    8376089          964/G02             F          152,000.00         ZZ
                                         360        151,869.13          1
                                       6.750            985.87         80
                                       6.500            985.87
    GLENDALE         AZ   85308          1            12/31/02         00
    0435277918                           05           02/01/03          0
    323274                               O            01/01/33
    0

    8376091          964/G02             F          140,800.00         ZZ
                                         360        140,800.00          1
                                       5.875            832.89         71
                                       5.625            832.89
    MIAMI            FL   33186          2            01/03/03         00
    0435291471                           05           03/01/03          0
    301339                               O            02/01/33
    0

    8376093          964/G02             F          461,500.00         ZZ
                                         360        461,051.45          1
                                       6.125          2,804.12         66
                                       5.875          2,804.12
    PASO ROBLES      CA   93446          5            12/26/02         00
    0435275003                           05           02/01/03          0
    308905                               O            01/01/33
    0

1

    8376095          964/G02             F          262,500.00         ZZ
                                         360        262,500.00          1
                                       5.875          1,552.79         70
                                       5.625          1,552.79
    OAKLAND          CA   94602          1            01/02/03         00
    0435288113                           05           03/01/03          0
    324812                               O            02/01/33
    0

    8376097          964/G02             F          140,850.00         ZZ
                                         360        140,722.67          2
                                       6.500            890.27         90
                                       6.250            890.27
    SPRINGFIELD      OR   97478          1            12/20/02         11
    0435251871                           05           02/01/03         25
    318007                               N            01/01/33
    0

    8376099          964/G02             F           75,500.00         ZZ
                                         360         75,500.00          1
                                       6.375            471.02         79
                                       6.125            471.02
    COLLEGE STATION  TX   77845          2            01/03/03         00
    0435287677                           05           03/01/03          0
    316193                               N            02/01/33
    0

    8376103          964/G02             F          178,000.00         ZZ
                                         360        177,826.99          1
                                       6.125          1,081.55         61
                                       5.875          1,081.55
    WICKENBURG       AZ   85390          5            12/31/02         00
    0435286901                           05           02/01/03          0
    312846                               O            01/01/33
    0

    8376107          964/G02             F          300,000.00         ZZ
                                         360        299,708.42          2
                                       6.125          1,822.83         55
                                       5.875          1,822.83
    ALAMEDA          CA   94501          5            12/13/02         00
    0435290267                           05           02/01/03          0
    306142                               O            01/01/33
    0

    8376111          964/G02             F          300,000.00         ZZ
                                         360        299,708.42          1
                                       6.125          1,822.83         50
                                       5.875          1,822.83
1

    KENSINGTON       CA   94707          2            11/25/02         00
    0435290945                           05           02/01/03          0
    226631                               O            01/01/33
    0

    8376113          964/G02             F          140,850.00         ZZ
                                         360        140,722.67          2
                                       6.500            890.27         90
                                       6.250            890.27
    SPRINGFIELD      OR   97478          1            12/26/02         11
    0435254560                           05           02/01/03         25
    318024                               N            01/01/33
    0

    8376117          964/G02             F          184,000.00         ZZ
                                         360        183,816.83          1
                                       6.000          1,103.17         56
                                       5.750          1,103.17
    GRATON           CA   95444          5            12/23/02         00
    0435276555                           05           02/01/03          0
    310856                               O            01/01/33
    0

    8376119          964/G02             F          224,000.00         ZZ
                                         360        224,000.00          2
                                       6.625          1,434.30         80
                                       6.375          1,434.30
    LOMPOC           CA   93436          1            01/06/03         00
    0435296124                           05           03/01/03          0
    321478                               N            02/01/33
    0

    8376123          964/G02             F           88,000.00         ZZ
                                         360         88,000.00          2
                                       6.625            563.47         68
                                       6.375            563.47
    BRYAN            TX   77807          2            01/03/03         00
    0435291182                           05           03/01/03          0
    320525                               N            02/01/33
    0

    8376125          964/G02             F          401,700.00         ZZ
                                         360        401,327.94          1
                                       6.375          2,506.09         79
                                       6.125          2,506.09
    COLORADO SPRING  CO   80908          2            12/28/02         00
    0435246566                           05           02/01/03          0
    313255                               O            01/01/33
    0
1

    8376133          964/G02             F          140,000.00         ZZ
                                         360        139,867.17          1
                                       6.250            862.00         73
                                       6.000            862.00
    DENVER           CO   80224          5            12/26/02         00
    0435277793                           01           02/01/03          0
    287397                               O            01/01/33
    0

    8376137          964/G02             F          107,500.00         ZZ
                                         360        107,402.82          1
                                       6.500            679.47         59
                                       6.250            679.47
    PORTLAND         OR   97202          5            12/23/02         00
    0435257621                           05           02/01/03          0
    290275                               O            01/01/33
    0

    8376141          964/G02             F          370,000.00         ZZ
                                         360        370,000.00          1
                                       6.750          2,399.81         79
                                       6.500          2,399.81
    BELLEVUE         WA   98004          1            01/06/03         00
    0435289509                           05           03/01/03          0
    314318                               O            02/01/33
    0

    8376143          964/G02             F          395,200.00         ZZ
                                         360        394,859.74          1
                                       6.750          2,563.26         95
                                       6.500          2,563.26
    LAS VEGAS        NV   89124          1            12/31/02         10
    0435242649                           05           02/01/03         30
    314709                               O            01/01/33
    0

    8376145          964/G02             F          220,500.00         ZZ
                                         360        220,500.00          1
                                       6.625          1,411.89         90
                                       6.375          1,411.89
    MESA             AZ   85213          1            01/02/03         10
    0435294590                           05           03/01/03         30
    316235                               N            02/01/33
    0

    8376147          964/G02             F          200,000.00         ZZ
                                         360        199,810.24          1
1

                                       6.250          1,231.43         80
                                       6.000          1,231.43
    CAMAS            WA   98607          1            12/23/02         00
    0435253273                           03           02/01/03          0
    318555                               O            01/01/33
    0

    8376149          964/G02             F          128,000.00         ZZ
                                         360        127,884.28          1
                                       6.500            809.05         80
                                       6.250            809.05
    PRESCOTT VALLEY  AZ   86314          2            12/13/02         00
    0435254792                           03           02/01/03          0
    300371                               O            01/01/33
    0

    8376163          964/G02             F          101,840.00         ZZ
                                         360        101,733.67          1
                                       5.750            594.31         80
                                       5.500            594.31
    LAS VEGAS        NV   89108          1            12/18/02         00
    0435257761                           05           02/01/03          0
    314758                               N            01/01/33
    0

    8376167          964/G02             F          145,000.00         ZZ
                                         360        145,000.00          1
                                       6.250            892.79         70
                                       6.000            892.79
    PALM BEACH       FL   33410          5            12/31/02         00
    0435277678                           03           03/01/03          0
    313326                               O            02/01/33
    0

    8376171          964/G02             F          322,700.00         ZZ
                                         360        322,408.28          1
                                       6.500          2,039.68         67
                                       6.250          2,039.68
    MERCED           CA   95340          5            12/23/02         00
    0435263868                           05           02/01/03          0
    296083                               O            01/01/33
    0

    8376175          964/G02             F          122,400.00         ZZ
                                         360        122,297.17          1
                                       6.875            804.08         80
                                       6.625            804.08
    ARROYO GRANDE    CA   93420          1            12/05/02         00
    0435272273                           01           02/01/03          0
1

    294646                               O            01/01/33
    0

    8376177          964/G02             F          265,000.00         ZZ
                                         360        264,736.19          1
                                       6.000          1,588.81         47
                                       5.750          1,588.81
    SEBASTOPOL       CA   95472          5            12/16/02         00
    0435286117                           05           02/01/03          0
    297098                               O            01/01/33
    0

    8376179          964/G02             F          170,000.00         ZZ
                                         360        169,853.63          2
                                       6.750          1,102.62         67
                                       6.500          1,102.62
    WEST COVINA      CA   91792          2            12/19/02         00
    0435262944                           05           02/01/03          0
    300403                               O            01/01/33
    0

    8376189          964/G02             F          171,000.00         ZZ
                                         360        170,837.74          1
                                       6.250          1,052.88         62
                                       6.000          1,052.88
    GRASS VALLEY     CA   95949          2            12/20/02         00
    0435286976                           05           02/01/03          0
    308118                               O            01/01/33
    0

    8376191          964/G02             F          207,000.00         ZZ
                                         360        207,000.00          1
                                       6.375          1,291.41         80
                                       6.125          1,291.41
    SALT LAKE CITY   UT   84117          2            01/03/03         00
    0435255278                           05           03/01/03          0
    301847                               N            02/01/33
    0

    8376197          964/G02             F          142,500.00         ZZ
                                         360        142,354.72          1
                                       5.875            842.94         75
                                       5.625            842.94
    BEND             OR   97702          5            12/27/02         00
    0435277090                           05           02/01/03          0
    303296                               O            01/01/33
    0

1

    8376211          964/G02             F          140,500.00         ZZ
                                         360        140,369.87          1
                                       6.375            876.54         63
                                       6.125            876.54
    PEORIA           AZ   85382          2            12/26/02         00
    0435288519                           05           02/01/03          0
    310045                               O            01/01/33
    0

    8376213          964/G02             F          265,000.00         ZZ
                                         360        264,729.82          1
                                       5.875          1,567.58         76
                                       5.625          1,567.58
    GRESHAM          OR   97030          2            12/13/02         00
    0435257076                           05           02/01/03          0
    310969                               O            01/01/33
    0

    8376215          964/G02             F          232,000.00         T
                                         360        232,000.00          1
                                       6.250          1,428.46         80
                                       6.000          1,428.46
    SUNRIVER         OR   97707          1            01/03/03         00
    0435291984                           03           03/01/03          0
    323946                               O            02/01/33
    0

    8376217          964/G02             F          123,300.00         ZZ
                                         360        123,191.22          2
                                       6.625            789.50         90
                                       6.375            789.50
    SPOKANE          WA   99223          1            12/18/02         11
    0435263611                           05           02/01/03         25
    314325                               N            01/01/33
    0

    8376219          964/G02             F          196,500.00         ZZ
                                         360        196,322.37          2
                                       6.500          1,242.01         80
                                       6.250          1,242.01
    PORTLAND         OR   97202          2            12/20/02         00
    0435257829                           05           02/01/03          0
    317199                               N            01/01/33
    0

    8376225          964/G02             F          307,500.00         ZZ
                                         360        307,215.19          1
                                       6.375          1,918.40         75
                                       6.125          1,918.40
1

    TAHOE VISTA      CA   96148          5            12/19/02         00
    0435257639                           05           02/01/03          0
    318648                               O            01/01/33
    0

    8376229          964/G02             F          181,000.00         ZZ
                                         360        180,828.26          1
                                       6.250          1,114.45         68
                                       6.000          1,114.45
    LOMPOC           CA   93436          5            12/20/02         00
    0435252580                           05           02/01/03          0
    316733                               O            01/01/33
    0

    8376231          964/G02             F          341,500.00         ZZ
                                         360        341,500.00          1
                                       6.625          2,186.66         65
                                       6.375          2,186.66
    AGATE            CO   80101          5            12/30/02         00
    0435272232                           05           03/01/03          0
    314828                               O            02/01/33
    0

    8376233          964/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       5.750          1,167.15         52
                                       5.500          1,167.15
    MISSION VIEJO    CA   92691          2            01/03/03         00
    0435283452                           05           03/01/03          0
    305275                               O            02/01/33
    0

    8376235          964/G02             F          502,000.00         ZZ
                                         360        501,512.08          1
                                       6.125          3,050.21         55
                                       5.875          3,050.21
    LAFAYETTE        CA   94549          2            12/20/02         00
    0435257175                           05           02/01/03          0
    309088                               O            01/01/33
    0

    8376237          964/G02             F          498,000.00         ZZ
                                         360        498,000.00          1
                                       6.375          3,106.87         80
                                       6.125          3,106.87
    SAN FRANCISCO    CA   94103          1            12/31/02         00
    0435290085                           05           03/01/03          0
    301458                               O            02/01/33
    0
1

    8376241          964/G02             F          275,000.00         ZZ
                                         360        274,757.37          1
                                       6.625          1,760.86         66
                                       6.375          1,760.86
    GRANITE BAY      CA   95746          5            12/26/02         00
    0435295688                           03           02/01/03          0
    317266                               O            01/01/33
    0

    8376247          964/G02             F          317,000.00         ZZ
                                         360        316,691.89          1
                                       6.125          1,926.13         73
                                       5.875          1,926.13
    SALEM            OR   97301          2            12/31/02         00
    0435295597                           05           02/01/03          0
    305771                               O            01/01/33
    0

    8376251          964/G02             F          197,000.00         ZZ
                                         360        197,000.00          1
                                       6.250          1,212.96         75
                                       6.000          1,212.96
    MISSION VIEJO    CA   92692          1            01/08/03         00
    0435283445                           03           03/01/03          0
    317746                               O            02/01/33
    0

    8376263          964/G02             F          580,000.00         ZZ
                                         360        579,488.28          1
                                       6.625          3,713.80         80
                                       6.375          3,713.80
    LOS ANGELES      CA   90039          1            12/16/02         00
    0435296132                           05           02/01/03          0
    303861                               O            01/01/33
    0

    8376267          964/G02             F          400,000.00         ZZ
                                         360        399,672.12          1
                                       7.000          2,661.21         69
                                       6.750          2,661.21
    SAN MATEO        CA   94403          5            12/17/02         00
    0435283510                           05           02/01/03          0
    273688                               N            01/01/33
    0

    8376273          964/G02             F          208,000.00         ZZ
                                         360        207,802.64          1
1

                                       6.250          1,280.69         80
                                       6.000          1,280.69
    FOREST GROVE     OR   97116          2            12/24/02         00
    0435263363                           05           02/01/03          0
    295219                               N            01/01/33
    0

    8376275          964/G02             F          154,200.00         ZZ
                                         360        154,200.00          1
                                       6.375            962.01         80
                                       6.125            962.01
    SALEM            OR   97304          1            01/02/03         00
    0435283684                           05           03/01/03          0
    312969                               O            02/01/33
    0

    8376277          964/G02             F          135,000.00         ZZ
                                         360        134,889.34          2
                                       7.000            898.16         90
                                       6.750            898.16
    PHOENIX          AZ   85008          1            12/26/02         01
    0435256342                           05           02/01/03         25
    311991                               N            01/01/33
    0

    8376279          964/G02             F          192,000.00         ZZ
                                         360        191,808.86          1
                                       6.000          1,151.14         68
                                       5.750          1,151.14
    SANTA MARIA      CA   93455          5            12/18/02         00
    0435257423                           05           02/01/03          0
    304816                               O            01/01/33
    0

    8376283          964/G02             F          104,000.00         ZZ
                                         360        103,908.25          1
                                       6.625            665.92         80
                                       6.375            665.92
    LAS VEGAS        NV   89119          1            12/27/02         00
    0435264148                           05           02/01/03          0
    311043                               N            01/01/33
    0

    8376289          964/G02             F           75,050.00         ZZ
                                         360         75,050.00          1
                                       6.000            449.96         46
                                       5.750            449.96
    LAKEPORT         CA   95453          1            01/02/03         00
    0435253901                           03           03/01/03          0
1

    300028                               O            02/01/33
    0

    8376291          964/G02             F          400,000.00         ZZ
                                         360        399,638.40          1
                                       6.500          2,528.27         78
                                       6.250          2,528.27
    WOODACRE         CA   94973          5            12/11/02         00
    0435287545                           05           02/01/03          0
    298614                               O            01/01/33
    0

    8376299          964/G02             F          168,000.00         ZZ
                                         360        167,868.94          1
                                       7.250          1,146.06         80
                                       7.000          1,146.06
    COLORADO SPRING  CO   80920          2            01/02/03         00
    0435293899                           03           02/01/03          0
    300536                               O            01/01/33
    0

    8376301          964/G02             F          288,000.00         ZZ
                                         360        287,713.29          1
                                       6.000          1,726.71         80
                                       5.750          1,726.71
    LAKE FOREST      CA   92630          1            12/27/02         00
    0435252077                           05           02/01/03          0
    321110                               O            01/01/33
    0

    8376303          964/G02             F          217,600.00         ZZ
                                         360        217,403.29          1
                                       6.500          1,375.38         80
                                       6.250          1,375.38
    LOMA LINDA       CA   92354          2            12/26/02         00
    0435281506                           05           02/01/03          0
    309640                               O            01/01/33
    0

    8376305          964/G02             F          135,000.00         ZZ
                                         360        134,889.34          2
                                       7.000            898.16         90
                                       6.750            898.16
    PHOENIX          AZ   85008          1            12/18/02         01
    0435256573                           05           02/01/03         25
    312010                               N            01/01/33
    0

1

    8376311          964/G02             F          109,000.00         ZZ
                                         360        109,000.00          2
                                       6.375            680.02         18
                                       6.125            680.02
    SEATTLE          WA   98116          5            01/03/03         00
    0435283932                           05           03/01/03          0
    319703                               O            02/01/33
    0

    8376313          964/G02             F          209,700.00         ZZ
                                         360        209,501.03          1
                                       6.250          1,291.16         90
                                       6.000          1,291.16
    DENVER           CO   80236          1            12/31/02         04
    0435263231                           05           02/01/03         25
    321116                               O            01/01/33
    0

    8376315          964/G02             F          142,000.00         ZZ
                                         360        142,000.00          2
                                       6.500            897.54         80
                                       6.250            897.54
    SACRAMENTO       CA   95821          1            12/31/02         00
    0435286984                           05           03/01/03          0
    324019                               N            02/01/33
    0

    8376321          964/G02             F          244,000.00         ZZ
                                         360        243,757.10          1
                                       6.000          1,462.90         68
                                       5.750          1,462.90
    UNION CITY       CA   94587          5            12/20/02         00
    0435250568                           05           02/01/03          0
    307709                               O            01/01/33
    0

    8376325          964/G02             F          219,000.00         ZZ
                                         360        218,787.14          1
                                       6.125          1,330.67         66
                                       5.875          1,330.67
    LOS ANGELES      CA   90038          5            12/23/02         00
    0435250428                           05           02/01/03          0
    312502                               O            01/01/33
    0

    8376329          964/G02             F          155,000.00         ZZ
                                         360        154,849.35          2
                                       6.125            941.80         64
                                       5.875            941.80
1

    BREMERTON        WA   98337          2            12/26/02         00
    0435274683                           05           02/01/03          0
    289036                               N            01/01/33
    0

    8376331          964/G02             F          510,000.00         ZZ
                                         360        509,527.64          1
                                       6.375          3,181.74         80
                                       6.125          3,181.74
    MILLBRAE         CA   94030          5            12/13/02         00
    0435292024                           05           02/01/03          0
    296730                               O            01/01/33
    0

    8376339          964/G02             F           70,100.00         ZZ
                                         360         70,100.00          2
                                       6.375            437.33         75
                                       6.125            437.33
    BRYAN            TX   77801          2            01/03/03         00
    0435295407                           05           03/01/03          0
    319727                               N            02/01/33
    0

    8376341          964/G02             F          265,000.00         ZZ
                                         360        264,760.44          1
                                       6.500          1,674.98         17
                                       6.250          1,674.98
    LAGUNA BEACH     CA   92651          2            12/16/02         00
    0435255138                           05           02/01/03          0
    229660                               O            01/01/33
    0

    8376345          964/G02             F          140,000.00         ZZ
                                         240        139,697.00          1
                                       6.000          1,003.00         70
                                       5.750          1,003.00
    RENO             NV   89523          5            12/18/02         00
    0435264049                           05           02/01/03          0
    305342                               O            01/01/23
    0

    8376349          964/G02             F          123,300.00         ZZ
                                         360        123,191.22          2
                                       6.625            789.50         90
                                       6.375            789.50
    SPOKANE          WA   99223          1            12/18/02         11
    0435277850                           05           02/01/03         25
    314443                               N            01/01/33
    0
1

    8376351          964/G02             F          700,000.00         ZZ
                                         360        699,303.15          1
                                       6.000          4,196.85         46
                                       5.750          4,196.85
    LAS VEGAS        NV   89113          5            12/27/02         00
    0435296058                           03           02/01/03          0
    269917                               O            01/01/33
    0

    8376353          964/G02             F          464,000.00         ZZ
                                         360        463,570.24          1
                                       6.375          2,894.76         80
                                       6.125          2,894.76
    PORT ORFORD      OR   97465          1            12/27/02         00
    0435257688                           05           02/01/03          0
    295767                               O            01/01/33
    0

    8376355          964/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.375          1,559.68         53
                                       6.125          1,559.68
    SAN JOSE         CA   95124          2            12/31/02         00
    0435286802                           05           03/01/03          0
    312069                               O            02/01/33
    0

    8376359          964/G02             F          207,000.00         ZZ
                                         360        206,606.14          1
                                       6.250          1,274.54         51
                                       6.000          1,274.54
    EL DORADO HILLS  CA   95762          5            11/22/02         00
    0435287370                           05           01/01/03          0
    283809                               O            12/01/32
    0

    8376365          964/G02             F          139,400.00         ZZ
                                         360        139,270.89          1
                                       6.375            869.67         85
                                       6.125            869.67
    AMERICAN FORK    UT   84003          5            12/31/02         12
    0435250063                           03           02/01/03         12
    319248                               O            01/01/33
    0

    8376415          964/G02             F          149,400.00         ZZ
                                         360        149,268.19          2
1

                                       6.625            956.62         90
                                       6.375            956.62
    SPOKANE          WA   99223          1            12/18/02         11
    0435255534                           05           02/01/03         25
    314461                               N            01/01/33
    0

    8376419          964/G02             F          275,000.00         ZZ
                                         360        274,745.30          1
                                       6.375          1,715.64         50
                                       6.125          1,715.64
    SAN DIEGO        CA   92123          2            12/17/02         00
    0435274907                           01           02/01/03          0
    274238                               O            01/01/33
    0

    8376421          964/G02             F          195,000.00         ZZ
                                         360        194,823.72          1
                                       6.500          1,232.53         75
                                       6.250          1,232.53
    JEROME           AZ   86331          5            12/12/02         00
    0435275615                           05           02/01/03          0
    299148                               O            01/01/33
    0

    8376423          964/G02             F          178,400.00         ZZ
                                         360        178,400.00          1
                                       6.375          1,112.98         80
                                       6.125          1,112.98
    BEAVERTON        OR   97007          5            01/02/03         00
    0435288840                           05           03/01/03          0
    315926                               O            02/01/33
    0

    8376427          964/G02             F          369,600.00         ZZ
                                         360        369,600.00          1
                                       6.250          2,275.69         80
                                       6.000          2,275.69
    TORRANCE         CA   90505          1            01/03/03         00
    0435287040                           05           03/01/03          0
    308263                               O            02/01/33
    0

    8376429          964/G02             F          312,000.00         ZZ
                                         360        311,717.95          1
                                       6.500          1,972.05         63
                                       6.250          1,972.05
    OAKLAND          CA   94610          2            12/20/02         00
    0435254446                           05           02/01/03          0
1

    294847                               O            01/01/33
    0

    8376433          964/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.250          1,539.29         46
                                       6.000          1,539.29
    SAN JOSE         CA   95123          5            12/30/02         00
    0435287172                           05           03/01/03          0
    309233                               O            02/01/33
    0

    8376437          964/G02             F          286,500.00         ZZ
                                         360        286,207.90          1
                                       5.875          1,694.76         56
                                       5.625          1,694.76
    SAN JOSE         CA   95130          2            12/13/02         00
    0435289947                           05           02/01/03          0
    287200                               O            01/01/33
    0

    8376445          964/G02             F          500,000.00         ZZ
                                         360        499,536.90          1
                                       6.375          3,119.35         80
                                       6.125          3,119.35
    NOVATO           CA   94947          5            12/23/02         00
    0435291711                           05           02/01/03          0
    303012                               O            01/01/33
    0

    8376451          964/G02             F          103,000.00         ZZ
                                         360        102,913.46          1
                                       6.875            676.64         74
                                       6.625            676.64
    PORTLAND         OR   97206          5            12/26/02         00
    0435257746                           05           02/01/03          0
    303961                               N            01/01/33
    0

    8376453          964/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.375          2,495.48         69
                                       6.125          2,495.48
    HUNTINGTON BEAC  CA   92648          2            01/02/03         00
    0435289491                           05           03/01/03          0
    312603                               O            02/01/33
    0

1

    8376455          964/G02             F          300,700.00         ZZ
                                         360        300,421.49          1
                                       6.375          1,875.98         60
                                       6.125          1,875.98
    HIGHLANDS RANCH  CO   80129          2            12/27/02         00
    0435257704                           03           02/01/03          0
    309709                               O            01/01/33
    0

    8376457          964/G02             F           62,500.00         ZZ
                                         360         62,442.11          1
                                       6.375            389.92         90
                                       6.125            389.92
    LAS VEGAS        NV   89115          2            12/26/02         10
    0435275110                           03           02/01/03         25
    317860                               O            01/01/33
    0

    8376459          964/G02             F          230,000.00         ZZ
                                         360        229,797.07          1
                                       6.625          1,472.72         71
                                       6.375          1,472.72
    WESTLAKE VILLAG  CA   91362          2            12/24/02         00
    0435297536                           01           02/01/03          0
    311647                               O            01/01/33
    0

    8376461          964/G02             F           70,400.00         ZZ
                                         360         70,400.00          1
                                       6.375            439.20         80
                                       6.125            439.20
    SHERIDAN         OR   97378          1            01/02/03         00
    0435295100                           05           03/01/03          0
    291054                               N            02/01/33
    0

    8376469          964/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       6.875            788.32         78
                                       6.625            788.32
    BEND             OR   97702          2            01/06/03         00
    0435295944                           03           03/01/03          0
    310221                               N            02/01/33
    0

    8376481          964/G02             F          112,500.00         ZZ
                                         360        112,407.78          1
                                       7.000            748.47         75
                                       6.750            748.47
1

    NORTH HIGHLANDS  CA   95660          1            12/24/02         00
    0435251012                           05           02/01/03          0
    314046                               N            01/01/33
    0

    8376483          964/G02             F          400,000.00         ZZ
                                         360        399,629.52          1
                                       6.375          2,495.48         73
                                       6.125          2,495.48
    TRABUCO CANYON   CA   92679          5            12/04/02         00
    0435286042                           03           02/01/03          0
    288673                               O            01/01/33
    0

    8376487          964/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       5.750          1,634.00         70
                                       5.500          1,634.00
    FREMONT          CA   94536          2            12/31/02         00
    0435295506                           05           03/01/03          0
    313103                               O            02/01/33
    0

    8376489          964/G02             F          375,000.00         ZZ
                                         360        374,660.99          1
                                       6.500          2,370.26         70
                                       6.250          2,370.26
    ROWLAND HEIGHTS  CA   91748          5            12/10/02         00
    0435285960                           03           02/01/03          0
    293465                               O            01/01/33
    0

    8376493          964/G02             F          330,000.00         ZZ
                                         360        329,694.36          1
                                       6.375          2,058.77         43
                                       6.125          2,058.77
    HERMOSA BEACH    CA   90254          5            12/23/02         00
    0435295886                           01           02/01/03          0
    288677                               O            01/01/33
    0

    8376495          964/G02             F          190,900.00         ZZ
                                         360        190,718.87          1
                                       6.250          1,175.40         80
                                       6.000          1,175.40
    MERIDIAN         ID   83642          1            12/27/02         00
    0435253091                           03           02/01/03          0
    290105                               O            01/01/33
    0
1

    8376503          964/G02             F          117,000.00         ZZ
                                         360        116,888.98          1
                                       6.250            720.39         53
                                       6.000            720.39
    AUBURN           CA   95603          2            12/21/02         00
    0435287032                           05           02/01/03          0
    311205                               O            01/01/33
    0

    8376509          964/G02             F          105,000.00         ZZ
                                         360        104,902.75          2
                                       6.375            655.06         61
                                       6.125            655.06
    SALT LAKE CITY   UT   84109          2            12/30/02         00
    0435249644                           05           02/01/03          0
    302100                               N            01/01/33
    0

    8376543          F96/G02             F          225,520.00         ZZ
                                         360        225,520.00          1
                                       6.250          1,388.56         80
                                       6.000          1,388.56
    NEWARK           NJ   07104          1            01/07/03         00
    0435255591                           05           03/01/03          0
    0111089                              O            02/01/33
    0

    8376545          F96/G02             F          371,350.00         ZZ
                                         360        371,350.00          1
                                       6.125          2,256.36         38
                                       5.875          2,256.36
    RUMSON           NJ   07760          2            01/13/03         00
    0435255633                           05           03/01/03          0
    501800015                            N            02/01/33
    0

    8376935          E82/G02             F          394,900.00         ZZ
                                         360        394,900.00          1
                                       6.875          2,594.21         75
                                       6.625          2,594.21
    REDWOOD CITY     CA   94061          2            01/17/03         00
    0400767372                           05           03/01/03          0
    4845572                              N            02/01/33
    0

    8376943          E82/G02             F          130,700.00         ZZ
                                         360        130,700.00          1
1

                                       6.375            815.40         71
                                       6.125            815.40
    ANNISTON         AL   36207          2            01/17/03         00
    0400756516                           05           03/01/03          0
    1607634                              O            02/01/33
    0

    8376969          E82/G02             F          153,000.00         ZZ
                                         360        153,000.00          3
                                       6.750            992.36         59
                                       6.500            992.36
    TUCSON           AZ   85716          2            01/21/03         00
    0400760591                           05           03/01/03          0
    1785390                              N            02/01/33
    0

    8376987          E82/G02             F          108,500.00         ZZ
                                         360        108,500.00          1
                                       6.375            676.90         48
                                       6.125            676.90
    HENDERSON        NV   89109          2            01/17/03         00
    0400739777                           03           03/01/03          0
    1906965                              N            02/01/33
    0

    8376999          E82/G02             F          187,350.00         ZZ
                                         360        187,350.00          1
                                       6.500          1,184.18         38
                                       6.250          1,184.18
    STOUGHTON        MA   02072          2            01/17/03         00
    0400754917                           05           03/01/03          0
    4018957                              O            02/01/33
    0

    8377003          E82/G02             F           90,100.00         ZZ
                                         360         90,100.00          1
                                       6.250            554.76         70
                                       6.000            554.76
    MINNEAPOLIS      MN   55412          2            01/17/03         00
    0400760344                           05           03/01/03          0
    5589757                              O            02/01/33
    0

    8377023          E82/G02             F          261,600.00         ZZ
                                         360        261,600.00          2
                                       7.250          1,784.57         77
                                       7.000          1,784.57
    EAST ELMHURST    NY   11369          5            01/17/03         00
    0400746509                           05           03/01/03          0
1

    0400746509                           O            02/01/33
    0

    8377027          E82/G02             F           88,500.00         ZZ
                                         360         88,500.00          4
                                       7.250            603.73         71
                                       7.000            603.73
    ADRIAN           MI   49221          2            01/20/03         00
    0400750436                           05           03/01/03          0
    3412583                              N            02/01/33
    0

    8377047          E82/G02             F           81,000.00         T
                                         360         81,000.00          1
                                       6.250            498.73         53
                                       6.000            498.73
    BRIGHTON         MA   02135          2            01/22/03         00
    0400718789                           08           03/01/03          0
    8377047                              O            02/01/33
    0

    8377055          E82/G02             F          160,000.00         ZZ
                                         360        160,000.00          1
                                       6.250            985.15         72
                                       6.000            985.15
    BROOKFIELD       WI   53005          2            01/17/03         00
    0400753851                           05           03/01/03          0
    1810839                              O            02/01/33
    0

    8377093          E82/G02             F          144,000.00         ZZ
                                         360        144,000.00          3
                                       7.000            958.04         45
                                       6.750            958.04
    PHILADELPHIA     PA   19146          2            01/23/03         00
    0400746319                           05           03/01/03          0
    1857951                              N            02/01/33
    0

    8377095          E82/G02             F           91,800.00         ZZ
                                         360         91,800.00          1
                                       7.125            618.47         90
                                       6.875            618.47
    JACKSON          MS   39212          2            01/13/03         04
    0400733028                           05           03/01/03         25
    0400733028                           N            02/01/33
    0

1

    8377135          A35/G02             F          239,600.00         ZZ
                                         360        239,600.00          1
                                       5.875          1,417.32         80
                                       5.625          1,417.32
    RONKONKOMA       NY   11779          1            01/21/03         00
    0435284484                           05           03/01/03          0
    14551                                O            02/01/33
    0

    8377297          E22/G02             F          103,500.00         ZZ
                                         360        103,500.00          1
                                       7.500            723.69         90
                                       7.250            723.69
    LOUISVILLE       KY   40214          5            01/14/03         01
    0415881804                           05           03/01/03         25
    0415881804                           O            02/01/33
    0

    8377299          E22/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.125          1,336.74         80
                                       5.875          1,336.74
    SOUTH LAKE TAHO  CA   96150          5            01/08/03         00
    0415889047                           05           03/01/03          0
    0415889047                           O            02/01/33
    0

    8377303          E22/G02             F          123,375.00         ZZ
                                         360        123,375.00          1
                                       6.875            810.49         94
                                       6.625            810.49
    CHELSEA          AL   35043          1            01/21/03         10
    0415906981                           03           03/01/03         30
    0415906981                           O            02/01/33
    0

    8377315          E22/G02             F          286,800.00         ZZ
                                         360        286,800.00          1
                                       6.500          1,812.77         80
                                       6.250          1,812.77
    ROCHELLE PARK    NJ   07662          5            01/14/03         00
    0415181692                           05           03/01/03          0
    0415181692                           O            02/01/33
    0

    8377323          E22/G02             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.375          4,055.15         72
                                       6.125          4,055.15
1

    WOODINVILLE      WA   98072          5            01/10/03         00
    0415342781                           05           03/01/03          0
    0415342781                           O            02/01/33
    0

    8377327          E22/G02             F          352,500.00         ZZ
                                         360        352,500.00          1
                                       6.250          2,170.40         75
                                       6.000          2,170.40
    COLLEYVILLE      TX   76034          5            01/15/03         00
    0415495480                           05           03/01/03          0
    0415495480                           O            02/01/33
    0

    8377329          E22/G02             F          111,000.00         ZZ
                                         360        111,000.00          1
                                       6.000            665.50         59
                                       5.750            665.50
    OLD BRIDGE       NJ   08857          5            01/14/03         00
    0415405943                           05           03/01/03          0
    0415405943                           O            02/01/33
    0

    8377331          E22/G02             F           79,000.00         ZZ
                                         360         79,000.00          1
                                       6.875            518.97         80
                                       6.625            518.97
    MAYS LANDING     NJ   08330          1            01/21/03         00
    0415406149                           05           03/01/03          0
    0415406149                           N            02/01/33
    0

    8377339          E22/G02             F          599,900.00         ZZ
                                         360        599,900.00          1
                                       6.375          3,742.60         75
                                       6.125          3,742.60
    WOODINVILLE      WA   98072          2            01/15/03         00
    0415422757                           05           03/01/03          0
    0415422757                           O            02/01/33
    0

    8377341          E22/G02             F          275,000.00         ZZ
                                         360        275,000.00          1
                                       6.750          1,783.64         69
                                       6.500          1,783.64
    GLENWOOD SPRING  CO   81601          5            01/14/03         00
    0415450824                           03           03/01/03          0
    0415450824                           O            02/01/33
    0
1

    8377371          E22/G02             F          491,000.00         ZZ
                                         360        491,000.00          1
                                       6.375          3,063.20         76
                                       6.125          3,063.20
    SEATTLE          WA   98121          2            01/13/03         00
    0415505890                           06           03/01/03          0
    0415505890                           O            02/01/33
    0

    8377379          E22/G02             F           92,800.00         ZZ
                                         360         92,800.00          1
                                       6.250            571.39         82
                                       6.000            571.39
    DALLAS           TX   75230          2            01/14/03         04
    0415544477                           01           03/01/03         12
    0415544477                           O            02/01/33
    0

    8377389          E22/G02             F          157,000.00         ZZ
                                         360        157,000.00          1
                                       7.000          1,044.52         90
                                       6.750          1,044.52
    GOSHEN           IN   46528          5            01/14/03         01
    0415576644                           05           03/01/03         25
    0415576644                           O            02/01/33
    0

    8377391          E22/G02             F          118,400.00         ZZ
                                         360        118,400.00          1
                                       6.000            709.87         80
                                       5.750            709.87
    AUSTIN           TX   78745          5            01/14/03         00
    0415576883                           05           03/01/03          0
    0415576883                           O            02/01/33
    0

    8377419          E22/G02             F          248,000.00         ZZ
                                         360        248,000.00          1
                                       6.375          1,547.20         46
                                       6.125          1,547.20
    FREMONT          CA   94555          5            01/07/03         00
    0415687623                           05           03/01/03          0
    0415687623                           O            02/01/33
    0

    8377425          E22/G02             F          168,800.00         ZZ
                                         360        168,800.00          1
1

                                       6.375          1,053.09         80
                                       6.125          1,053.09
    ESTACADA         OR   97023          5            01/14/03         00
    0415698315                           03           03/01/03          0
    0415698315                           O            02/01/33
    0

    8377427          E22/G02             F           83,725.00         ZZ
                                         360         83,725.00          1
                                       6.125            508.72         85
                                       5.875            508.72
    ROCK SPRINGS     WY   82901          2            01/15/03         01
    0415698422                           05           03/01/03         12
    0415698422                           O            02/01/33
    0

    8377435          E22/G02             F           85,500.00         ZZ
                                         360         85,500.00          2
                                       6.875            561.67         90
                                       6.625            561.67
    GREENSBORO       MD   21639          1            01/21/03         10
    0415705383                           05           03/01/03         25
    0415705383                           N            02/01/33
    0

    8377453          E22/G02             F          298,000.00         ZZ
                                         360        298,000.00          1
                                       6.875          1,957.65         44
                                       6.625          1,957.65
    OAKLAND          CA   94602          5            01/13/03         00
    0415719582                           05           03/01/03          0
    0415719582                           O            02/01/33
    0

    8377457          E22/G02             F          270,000.00         ZZ
                                         360        270,000.00          1
                                       6.125          1,640.55         66
                                       5.875          1,640.55
    YORBA LINDA      CA   92886          5            01/10/03         00
    0415722792                           05           03/01/03          0
    0415722792                           O            02/01/33
    0

    8377459          E22/G02             F          170,000.00         ZZ
                                         360        170,000.00          1
                                       6.375          1,060.58         76
                                       6.125          1,060.58
    ROCKLIN          CA   95677          2            01/02/03         00
    0415725118                           05           03/01/03          0
1

    0415725118                           O            02/01/33
    0

    8377469          E22/G02             F           39,100.00         ZZ
                                         360         39,100.00          2
                                       7.500            273.39         85
                                       7.250            273.39
    ROANOKE          VA   24017          1            01/21/03         04
    0415736602                           05           03/01/03         20
    0415736602                           N            02/01/33
    0

    8377479          E22/G02             F          271,000.00         ZZ
                                         360        271,000.00          1
                                       6.625          1,735.24         88
                                       6.375          1,735.24
    SUN VALLEY       CA   91352          5            12/31/02         04
    0415748789                           05           03/01/03         25
    0415748789                           O            02/01/33
    0

    8377483          E22/G02             F           71,500.00         ZZ
                                         360         71,500.00          1
                                       6.750            463.75         67
                                       6.500            463.75
    OLYMPIA          WA   98502          2            01/13/03         00
    0415750264                           03           03/01/03          0
    0415750264                           N            02/01/33
    0

    8377487          E22/G02             F          124,800.00         ZZ
                                         360        124,800.00          1
                                       7.000            830.30         80
                                       6.750            830.30
    HOUSTON          TX   77076          5            01/15/03         00
    0415755933                           05           03/01/03          0
    0415755933                           O            02/01/33
    0

    8377491          E22/G02             F           88,800.00         T
                                         360         88,800.00          1
                                       6.625            568.60         80
                                       6.375            568.60
    ASHEVILLE        NC   28806          1            01/21/03         00
    0415758762                           05           03/01/03          0
    0415758762                           O            02/01/33
    0

1

    8377495          E22/G02             F          177,750.00         ZZ
                                         360        177,750.00          1
                                       7.000          1,182.58         75
                                       6.750          1,182.58
    RICHMOND         CA   94806          5            01/07/03         00
    0415765064                           01           03/01/03          0
    0415765064                           N            02/01/33
    0

    8377519          E22/G02             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.500          2,401.86         80
                                       6.250          2,401.86
    SAN JOSE         CA   95139          2            01/03/03         00
    0415782168                           05           03/01/03          0
    0415782168                           O            02/01/33
    0

    8377523          E22/G02             F          118,750.00         ZZ
                                         360        118,750.00          1
                                       7.000            790.05         95
                                       6.750            790.05
    GUNNISON         UT   84634          2            01/14/03         10
    0415790120                           05           03/01/03         30
    0415790120                           O            02/01/33
    0

    8377531          E22/G02             F          196,000.00         ZZ
                                         360        196,000.00          1
                                       6.250          1,206.81         80
                                       6.000          1,206.81
    COTTAGE GROVE    OR   97424          5            01/13/03         00
    0415796481                           05           03/01/03          0
    0415796481                           O            02/01/33
    0

    8377533          E22/G02             F          256,000.00         ZZ
                                         360        256,000.00          1
                                       6.250          1,576.24         80
                                       6.000          1,576.24
    WINDSOR          CA   95492          2            01/10/03         00
    0415797109                           05           03/01/03          0
    0415797109                           O            02/01/33
    0

    8377539          E22/G02             F          295,000.00         ZZ
                                         360        295,000.00          1
                                       6.125          1,792.45         71
                                       5.875          1,792.45
1

    GRASS VALLEY     CA   95949          5            01/06/03         00
    0415803022                           05           03/01/03          0
    0415803022                           O            02/01/33
    0

    8377551          E22/G02             F           96,000.00         ZZ
                                         360         96,000.00          1
                                       6.250            591.09         64
                                       6.000            591.09
    RICHLAND HILLS   TX   76118          5            01/15/03         00
    0415617935                           05           03/01/03          0
    0415617935                           O            02/01/33
    0

    8377555          E22/G02             F          111,500.00         ZZ
                                         360        111,500.00          1
                                       6.375            695.61         90
                                       6.125            695.61
    OCALA            FL   34475          2            01/14/03         04
    0415634153                           05           03/01/03         25
    0415634153                           O            02/01/33
    0

    8377557          E22/G02             F          128,000.00         ZZ
                                         360        128,000.00          1
                                       6.875            840.87         80
                                       6.625            840.87
    GARLAND          TX   75043          5            01/15/03         00
    0415637032                           05           03/01/03          0
    0415637032                           O            02/01/33
    0

    8377577          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.250            640.35         77
                                       6.000            640.35
    COLORADO SPRING  CO   80915          5            01/14/03         00
    0415676501                           05           03/01/03          0
    0415676501                           O            02/01/33
    0

    8377613          E22/G02             F          149,500.00         ZZ
                                         360        149,500.00          1
                                       6.500            944.94        100
                                       6.250            944.94
    GRANGER          IN   46530          2            01/14/03         04
    0415679968                           05           03/01/03         35
    0415679968                           O            02/01/33
    0
1

    8377619          E22/G02             F          137,700.00         ZZ
                                         360        137,700.00          3
                                       7.750            986.50         90
                                       7.500            986.50
    NORWICH          CT   06360          1            01/21/03         01
    0415839059                           05           03/01/03         25
    0415839059                           N            02/01/33
    0

    8377623          E22/G02             F           85,500.00         ZZ
                                         360         85,500.00          1
                                       7.750            612.53         95
                                       7.500            612.53
    SAINT LOUIS      MO   63114          5            01/14/03         01
    0415840446                           05           03/01/03         30
    0415840446                           O            02/01/33
    0

    8377629          E22/G02             F          248,000.00         ZZ
                                         360        248,000.00          1
                                       6.750          1,608.52         80
                                       6.500          1,608.52
    SAINT LOUIS      MO   63119          5            01/15/03         00
    0415843960                           05           03/01/03          0
    0415843960                           O            02/01/33
    0

    8377637          E22/G02             F          635,000.00         ZZ
                                         360        635,000.00          1
                                       6.125          3,858.33         71
                                       5.875          3,858.33
    MERCER ISLAND    WA   98040          5            01/13/03         00
    0415809706                           03           03/01/03          0
    0415809706                           O            02/01/33
    0

    8377639          E22/G02             F           97,600.00         ZZ
                                         360         97,600.00          1
                                       7.375            674.10         95
                                       7.125            674.10
    EDMOND           OK   73013          5            01/14/03         01
    0415810910                           05           03/01/03         30
    0415810910                           O            02/01/33
    0

    8377643          E22/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
1

                                       6.375          2,245.93         80
                                       6.125          2,245.93
    SUNNYVALE        CA   94085          5            01/13/03         00
    0415813765                           05           03/01/03          0
    0415813765                           O            02/01/33
    0

    8377647          E22/G02             F          215,000.00         ZZ
                                         360        215,000.00          1
                                       6.375          1,341.32         77
                                       6.125          1,341.32
    FAIRFAX          VA   22031          2            01/15/03         00
    0415815554                           09           03/01/03          0
    0415815554                           O            02/01/33
    0

    8377655          E22/G02             F           30,400.00         ZZ
                                         360         30,400.00          1
                                       7.625            215.17         80
                                       7.375            215.17
    MACON            GA   31206          1            01/21/03         00
    0415824978                           05           03/01/03          0
    0415824978                           N            02/01/33
    0

    8377679          E22/G02             F          125,000.00         ZZ
                                         360        125,000.00          1
                                       6.000            749.44         79
                                       5.750            749.44
    BELLINGHAM       WA   98229          5            01/10/03         00
    0415845528                           05           03/01/03          0
    0415845528                           O            02/01/33
    0

    8377685          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.375            648.82         73
                                       6.125            648.82
    GRAND PRAIRIE    TX   75052          5            01/15/03         00
    0415852391                           05           03/01/03          0
    0415852391                           O            02/01/33
    0

    8377687          E22/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.500          3,160.34         75
                                       6.250          3,160.34
    ARVADA           CO   80007          5            01/14/03         00
    0415856079                           03           03/01/03          0
1

    0415856079                           O            02/01/33
    0

    8377689          E22/G02             F           33,300.00         ZZ
                                         360         33,300.00          1
                                       7.750            238.57         90
                                       7.500            238.57
    MACKS CREEK      MO   65786          1            01/21/03         01
    0415857986                           05           03/01/03         30
    0415857986                           O            02/01/33
    0

    8377693          E22/G02             F          462,700.00         ZZ
                                         360        462,700.00          1
                                       6.125          2,811.41         75
                                       5.875          2,811.41
    SAN JOSE         CA   95119          2            01/09/03         00
    0415863620                           05           03/01/03          0
    0415863620                           O            02/01/33
    0

    8377697          E22/G02             F          423,750.00         ZZ
                                         360        423,750.00          1
                                       6.250          2,609.10         75
                                       6.000          2,609.10
    ANTIOCH          CA   94531          5            01/07/03         00
    0415866284                           05           03/01/03          0
    0415866284                           O            02/01/33
    0

    8377699          E22/G02             F          129,600.00         ZZ
                                         360        129,600.00          1
                                       7.000            862.23         90
                                       6.750            862.23
    CORVALLIS        OR   97330          1            01/17/03         04
    0415872472                           05           03/01/03         25
    0415872472                           N            02/01/33
    0

    8377701          E22/G02             F          215,000.00         ZZ
                                         360        215,000.00          1
                                       6.125          1,306.36         56
                                       5.875          1,306.36
    PRATHER          CA   93651          5            01/10/03         00
    0415873777                           03           03/01/03          0
    0415873777                           O            02/01/33
    0

1

    8377715          E22/G02             F          111,650.00         ZZ
                                         360        111,650.00          1
                                       6.250            687.45         43
                                       6.000            687.45
    BELLEUVE         WA   98008          2            01/10/03         00
    0415871813                           05           03/01/03          0
    0415871813                           N            02/01/33
    0

    8377717          E22/G02             F          141,600.00         ZZ
                                         360        141,600.00          1
                                       6.250            871.86         52
                                       6.000            871.86
    BELLEVUE         WA   98004          2            01/13/03         00
    0415871870                           05           03/01/03          0
    0415871870                           N            02/01/33
    0

    8377771          U05/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.875            656.93         77
                                       6.625            656.93
    HAILEY           ID   83333          1            01/14/03         00
    0435295399                           05           03/01/03          0
    3298672                              N            02/01/33
    0

    8377813          U05/G02             F          272,000.00         ZZ
                                         360        272,000.00          1
                                       6.500          1,719.23         79
                                       6.250          1,719.23
    POWAY            CA   92064          5            01/08/03         00
    0435295829                           05           03/01/03          0
    3291408                              O            02/01/33
    0

    8377823          X67/G02             F           91,200.00         ZZ
                                         360         91,117.55          2
                                       6.500            576.45         80
                                       6.250            576.45
    NEW CARLISLE     OH   45344          1            12/17/02         00
    0435273958                           05           02/01/03          0
    00281908                             N            01/01/33
    0

    8377851          U05/G02             F          100,000.00         ZZ
                                         360         99,911.77          1
                                       6.625            640.31         80
                                       6.375            640.31
1

    SACRAMENTO       CA   95832          1            12/31/02         00
    0435319421                           05           02/01/03          0
    3297360                              N            01/01/33
    0

    8377857          U05/G02             F          294,480.00         ZZ
                                         360        294,480.00          2
                                       7.000          1,959.18         90
                                       6.750          1,959.18
    WESTMINSTER      CO   80030          1            01/15/03         10
    0435295472                           05           03/01/03         25
    3296565                              N            02/01/33
    0

    8377859          U05/G02             F          180,000.00         ZZ
                                         360        179,833.28          1
                                       6.375          1,122.97         80
                                       6.125          1,122.97
    CORONA           CA   92883          5            12/27/02         00
    0435295365                           05           02/01/03          0
    3290670                              O            01/01/33
    0

    8377863          U05/G02             F          170,700.00         ZZ
                                         360        170,700.00          1
                                       6.750          1,107.16         69
                                       6.500          1,107.16
    SANTA ANA        CA   92706          2            01/08/03         00
    0435291646                           05           03/01/03          0
    3291144                              N            02/01/33
    0

    8377899          F96/G02             F          299,000.00         ZZ
                                         360        299,000.00          1
                                       6.125          1,816.76         60
                                       5.875          1,816.76
    RIDGEWOOD        NJ   07450          5            01/09/03         00
    0435298963                           05           03/01/03          0
    MAIN00978                            O            02/01/33
    0

    8377935          U05/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.375          1,559.67         59
                                       6.125          1,559.67
    SIMI VALLEY      CA   93063          5            01/07/03         00
    0435292156                           05           03/01/03          0
    3296164                              N            02/01/33
    0
1

    8377937          E57/G02             F          227,200.00         ZZ
                                         360        227,200.00          2
                                       6.750          1,473.61         80
                                       6.500          1,473.61
    LOS ANGELES      CA   90044          1            01/10/03         00
    0435281563                           05           03/01/03          0
    06013069                             O            02/01/33
    0

    8377941          U05/G02             F          192,150.00         ZZ
                                         360        192,150.00          4
                                       7.250          1,310.80         90
                                       7.000          1,310.80
    PRESCOTT         AZ   86305          1            01/14/03         10
    0435292149                           05           03/01/03         25
    3295277                              N            02/01/33
    0

    8377945          X67/G02             F          337,500.00         ZZ
                                         360        337,194.90          1
                                       6.500          2,133.23         90
                                       6.250          2,133.23
    ALHAMBRA         CA   91803          5            12/16/02         10
    0435283205                           05           02/01/03         25
    00281888                             O            01/01/33
    0

    8377947          U05/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.375          2,495.48         62
                                       6.125          2,495.48
    VACAVILLE        CA   95688          5            01/02/03         00
    0435295423                           05           03/01/03          0
    3295488                              O            02/01/33
    0

    8377957          738/G02             F          169,600.00         ZZ
                                         360        169,600.00          1
                                       6.125          1,030.51         80
                                       5.875          1,030.51
    OCEAN SPRINGS    MS   39564          1            01/07/03         00
    0435279526                           05           03/01/03          0
    40852678                             O            02/01/33
    0

    8378055          588/G02             F          244,000.00         ZZ
                                         360        243,152.56          1
1

                                       6.750          1,582.58         80
                                       6.500          1,582.58
    DERWOOD          MD   20855          5            09/09/02         00
    0435316682                           05           11/01/02          0
    1071511                              O            10/01/32
    0

    8378115          X67/G02             F           91,200.00         ZZ
                                         360         91,117.55          2
                                       6.500            576.45         80
                                       6.250            576.45
    NEW CARLISLE     OH   45344          1            12/17/02         00
    0435283478                           05           02/01/03          0
    00282136                             N            01/01/33
    0

    8378139          P01/G02             F          159,000.00         ZZ
                                         360        159,000.00          1
                                       6.500          1,004.99         73
                                       6.250          1,004.99
    WARREN           CT   06754          5            01/13/03         00
    0435288675                           05           03/01/03          0
    02004263                             O            02/01/33
    0

    8378153          X67/G02             F           91,200.00         ZZ
                                         360         91,117.55          2
                                       6.500            576.45         80
                                       6.250            576.45
    NEW CARLISLE     OH   45344          1            12/17/02         00
    0435276084                           05           02/01/03          0
    00282135                             N            01/01/33
    0

    8378191          N47/G02             F          262,000.00         ZZ
                                         360        262,000.00          1
                                       6.250          1,613.18         76
                                       6.000          1,613.18
    ENCINITAS        CA   92007          2            01/09/03         00
    0435298906                           09           03/01/03          0
    30500755                             O            02/01/33
    0

    8378341          X51/G02             F          505,000.00         ZZ
                                         240        505,000.00          1
                                       6.375          3,728.07         72
                                       6.125          3,728.07
    PASADENA         CA   91105          5            01/16/03         00
    0435264106                           05           03/01/03          0
1

    R2054471                             O            02/01/23
    0

    8378539          M27/G02             F          108,000.00         ZZ
                                         360        108,000.00          2
                                       6.500            682.63         80
                                       6.250            682.63
    HERMITAGE        TN   37076          1            01/17/03         00
    0435269303                           05           03/01/03          0
    600866952                            N            02/01/33
    0

    8378555          P29/G02             F          106,250.00         ZZ
                                         360        106,250.00          1
                                       6.875            697.99         85
                                       6.625            697.99
    HUDSON           IA   50643          5            01/17/03         01
    0435286836                           05           03/01/03         12
    10595638                             O            02/01/33
    0

    8378629          737/G02             F          287,750.00         ZZ
                                         360        287,750.00          1
                                       6.375          1,795.19         80
                                       6.125          1,795.19
    COEUR D ALENE    ID   83815          5            01/10/03         00
    0435286539                           05           03/01/03          0
    2102715                              O            02/01/33
    0

    8378653          E76/G02             F          113,430.00         ZZ
                                         360        113,430.00          1
                                       6.250            698.41         95
                                       6.000            698.41
    FORT WORTH       TX   76123          1            01/14/03         04
    0435304787                           05           03/01/03         30
    10020556                             O            02/01/33
    0

    8378663          K15/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       6.250          1,077.51         73
                                       6.000          1,077.51
    LEICESTER        MA   01524          5            01/10/03         00
    0435282496                           05           03/01/03          0
    007105508382                         O            02/01/33
    0

1

    8379065          A52/G02             F          106,200.00         ZZ
                                         360        106,200.00          1
                                       7.375            733.50         90
                                       7.125            733.50
    ATLANTA          GA   30331          1            01/14/03         11
    0435272695                           01           03/01/03         25
    22581                                N            02/01/33
    0

    8379073          S11/G02             F          373,700.00         ZZ
                                         360        373,700.00          1
                                       6.375          2,331.40         63
                                       6.125          2,331.40
    COSTA MESA       CA   92627          2            12/30/02         00
    0435286281                           05           03/01/03          0
    10210462                             O            02/01/33
    0

    8379279          S11/G02             F          510,000.00         ZZ
                                         360        510,000.00          1
                                       6.375          3,181.74         28
                                       6.125          3,181.74
    LA CANADA FLINT  CA   91011          5            01/08/03         00
    0435283197                           05           03/01/03          0
    10209851                             O            02/01/33
    0

    8379983          E82/G02             F           91,700.00         ZZ
                                         360         91,700.00          4
                                       6.375            572.09         50
                                       6.125            572.09
    ATTLEBORO        MA   02703          2            01/22/03         00
    0400746160                           05           03/01/03          0
    1936635                              N            02/01/33
    0

    8379985          E82/G02             F          187,800.00         ZZ
                                         360        187,800.00          1
                                       6.375          1,171.63         47
                                       6.125          1,171.63
    PRINCEVILLE      HI   96722          2            01/16/03         00
    0400739140                           05           03/01/03          0
    1974201                              O            02/01/33
    0

    8380093          P33/G02             F           90,000.00         ZZ
                                         360         89,929.79          1
                                       7.250            613.96         68
                                       7.000            613.96
1

    WACO             TX   76710          2            12/31/02         00
    0435294905                           05           02/01/03          0
    16890048                             N            01/01/33
    0

    8380341          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.125          1,822.83         77
                                       5.875          1,822.83
    EL CAJON         CA   92021          5            01/14/03         00
    0415752310                           05           03/01/03          0
    0415752310                           O            02/01/33
    0

    8380359          E22/G02             F          210,000.00         ZZ
                                         360        210,000.00          1
                                       6.125          1,275.98         62
                                       5.875          1,275.98
    GLENDORA         CA   91740          5            01/11/03         00
    0415783646                           05           03/01/03          0
    0415783646                           O            02/01/33
    0

    8380369          E22/G02             F          220,000.00         ZZ
                                         360        220,000.00          4
                                       6.625          1,408.68         80
                                       6.375          1,408.68
    WEST JORDAN      UT   84088          1            01/14/03         00
    0415795798                           05           03/01/03          0
    0415795798                           N            02/01/33
    0

    8380371          W02/G02             F          105,300.00         ZZ
                                         360        105,207.09          1
                                       6.625            674.25         90
                                       6.375            674.25
    LECANTO          FL   34461          2            12/20/02         11
    0435303334                           05           02/01/03         25
    1001831759                           O            01/01/33
    0

    8380379          E22/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       7.250          1,500.79         80
                                       7.000          1,500.79
    LEHI             UT   84043          2            01/17/03         00
    0415670389                           05           03/01/03          0
    0415670389                           N            02/01/33
    0
1

    8380389          E22/G02             F           59,200.00         ZZ
                                         360         59,200.00          1
                                       7.750            424.12         80
                                       7.500            424.12
    WEST PALM BEACH  FL   33409          2            01/22/03         00
    0415695972                           05           03/01/03          0
    0415695972                           N            02/01/33
    0

    8380403          E22/G02             F          190,000.00         ZZ
                                         360        190,000.00          1
                                       7.000          1,264.07         80
                                       6.750          1,264.07
    SAINT JOSEPH     MO   64506          5            01/15/03         00
    0415717164                           05           03/01/03          0
    0415717164                           O            02/01/33
    0

    8380409          E22/G02             F          134,000.00         ZZ
                                         360        134,000.00          1
                                       6.250            825.06         79
                                       6.000            825.06
    CONROE           TX   77302          5            01/16/03         00
    0415729102                           03           03/01/03          0
    0415729102                           O            02/01/33
    0

    8380425          E22/G02             F           95,000.00         ZZ
                                         360         95,000.00          1
                                       6.875            624.08         66
                                       6.625            624.08
    COLORADO SPRING  CO   80917          5            01/16/03         00
    0415855113                           05           03/01/03          0
    0415855113                           O            02/01/33
    0

    8380427          E22/G02             F          189,900.00         ZZ
                                         360        189,900.00          1
                                       6.500          1,200.30         74
                                       6.250          1,200.30
    NORTH RICHLAND   TX   76180          2            01/22/03         00
    0415858331                           05           03/01/03          0
    0415858331                           N            02/01/33
    0

    8380433          E22/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
1

                                       6.500            707.92         80
                                       6.250            707.92
    CRYSTAL LAKE     IL   60014          2            01/16/03         00
    0415869791                           05           03/01/03          0
    0415869791                           O            02/01/33
    0

    8380435          E22/G02             F           50,000.00         ZZ
                                         360         50,000.00          1
                                       6.750            324.30         73
                                       6.500            324.30
    COLUMBIA         KY   42728          5            01/16/03         00
    0415874080                           05           03/01/03          0
    0415874080                           O            02/01/33
    0

    8380441          E22/G02             F          292,000.00         ZZ
                                         360        292,000.00          1
                                       6.500          1,845.64         80
                                       6.250          1,845.64
    YAPHANK          NY   11980          1            01/22/03         00
    0415886639                           05           03/01/03          0
    0415886639                           O            02/01/33
    0

    8380445          E22/G02             F          457,000.00         ZZ
                                         360        457,000.00          1
                                       6.125          2,776.78         70
                                       5.875          2,776.78
    VALLEY CENTER    CA   92082          5            01/14/03         00
    0415887355                           03           03/01/03          0
    0415887355                           O            02/01/33
    0

    8380447          E22/G02             F          114,300.00         ZZ
                                         360        114,300.00          1
                                       6.125            694.50         90
                                       5.875            694.50
    SACRAMENTO       CA   95822          1            01/15/03         01
    0415898162                           05           03/01/03         30
    0415898162                           O            02/01/33
    0

    8380449          E22/G02             F          388,000.00         ZZ
                                         360        388,000.00          1
                                       6.375          2,420.62         80
                                       6.125          2,420.62
    SAN JOSE         CA   95118          5            01/10/03         00
    0415898840                           05           03/01/03          0
1

    0415898840                           O            02/01/33
    0

    8380453          E22/G02             F          237,000.00         ZZ
                                         360        237,000.00          1
                                       7.750          1,697.90         92
                                       7.500          1,697.90
    CENTREVILLE      MD   21617          2            01/16/03         04
    0415901388                           05           03/01/03         30
    0415901388                           O            02/01/33
    0

    8380455          E22/G02             F           65,600.00         ZZ
                                         360         65,600.00          1
                                       7.250            447.51         80
                                       7.000            447.51
    SPOKANE          WA   99205          5            01/15/03         00
    0415905272                           05           03/01/03          0
    0415905272                           O            02/01/33
    0

    8380473          W02/G02             F           40,000.00         ZZ
                                         360         40,000.00          1
                                       6.625            256.13         65
                                       6.375            256.13
    JACKOSNVILLE     FL   32254          5            01/04/03         00
    0435312962                           05           03/01/03          0
    1001915016                           O            02/01/33
    0

    8380483          E22/G02             F          218,360.00         ZZ
                                         360        218,360.00          2
                                       6.375          1,362.28         80
                                       6.125          1,362.28
    RICHMOND HILL    NY   11419          1            01/22/03         00
    0415336353                           05           03/01/03          0
    0415336353                           N            02/01/33
    0

    8380485          E22/G02             F          192,900.00         T
                                         360        192,900.00          1
                                       6.625          1,235.16         65
                                       6.375          1,235.16
    GLEN ROSE        TX   76043          4            01/22/03         00
    0415649862                           05           03/01/03          0
    0415649862                           O            02/01/33
    0

1

    8380491          E22/G02             F          194,000.00         ZZ
                                         360        194,000.00          1
                                       6.375          1,210.31         80
                                       6.125          1,210.31
    LA QUINTA        CA   92253          1            01/08/03         00
    0415410257                           05           03/01/03          0
    0415410257                           O            02/01/33
    0

    8380493          E22/G02             F          135,150.00         ZZ
                                         360        135,150.00          1
                                       6.375            843.16         80
                                       6.125            843.16
    TIJERAS          NM   87059          1            01/16/03         00
    0415474261                           05           03/01/03          0
    0415474261                           N            02/01/33
    0

    8380499          E22/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.250          1,108.29         87
                                       6.000          1,108.29
    WHEAT RIDGE      CO   80033          2            01/08/03         04
    0415492859                           05           03/01/03         25
    0415492859                           O            02/01/33
    0

    8380503          E22/G02             F          205,000.00         ZZ
                                         360        205,000.00          1
                                       6.250          1,262.22         78
                                       6.000          1,262.22
    SMOOT            WY   83126          5            01/16/03         00
    0415543370                           05           03/01/03          0
    0415543370                           O            02/01/33
    0

    8380507          E22/G02             F          245,000.00         ZZ
                                         360        245,000.00          1
                                       6.250          1,508.51         75
                                       6.000          1,508.51
    HESPERIA         CA   92345          5            01/11/03         00
    0415568559                           05           03/01/03          0
    0415568559                           O            02/01/33
    0

    8380521          E22/G02             F          129,750.00         ZZ
                                         360        129,750.00          1
                                       6.750            841.56         70
                                       6.500            841.56
1

    BEACH PARK       IL   60087          5            01/16/03         00
    0415806736                           05           03/01/03          0
    0415806736                           O            02/01/33
    0

    8380531          E22/G02             F          210,000.00         ZZ
                                         360        210,000.00          1
                                       5.875          1,242.23         60
                                       5.625          1,242.23
    HIGHLANDS RANCH  CO   80129          5            01/16/03         00
    0415816487                           03           03/01/03          0
    0415816487                           O            02/01/33
    0

    8380543          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.625          1,280.62         71
                                       6.375          1,280.62
    SPERRYVILLE      VA   22740          5            01/15/03         00
    0415838960                           05           03/01/03          0
    0415838960                           O            02/01/33
    0

    8380545          E22/G02             F          111,000.00         ZZ
                                         360        111,000.00          1
                                       7.000            738.49         57
                                       6.750            738.49
    GRASS VALLEY     CA   95945          5            01/10/03         00
    0415843622                           05           03/01/03          0
    0415843622                           N            02/01/33
    0

    8380551          E22/G02             F          124,925.00         ZZ
                                         360        124,925.00          1
                                       6.125            759.06         95
                                       5.875            759.06
    WALKER           MI   49544          1            01/23/03         01
    0415851013                           05           03/01/03         30
    0415851013                           O            02/01/33
    0

    8380571          X67/G02             F          216,000.00         ZZ
                                         360        215,804.73          1
                                       6.500          1,365.27         74
                                       6.250          1,365.27
    ANAHEIM          CA   92804          2            12/20/02         00
    0435287313                           05           02/01/03          0
    00282190                             O            01/01/33
    0
1

    8380573          U05/G02             F          270,000.00         ZZ
                                         360        269,737.58          1
                                       6.125          1,640.55         75
                                       5.875          1,640.55
    ARROYO GRANDE    CA   93420          5            12/26/02         00
    0435297072                           05           02/01/03          0
    3287960                              O            01/01/33
    0

    8380627          U42/G02             F           86,400.00         ZZ
                                         360         86,400.00          1
                                       6.500            546.11         80
                                       6.250            546.11
    DENISON          TX   75020          5            01/17/03         00
    0435311097                           05           03/01/03          0
    15300003                             O            02/01/33
    0

    8380629          K15/G02             F           85,800.00         ZZ
                                         360         85,800.00          1
                                       7.250            585.31         93
                                       7.000            585.31
    BENTON           NY   14415          5            01/14/03         41
    0435295340                           05           03/01/03         30
    027205508767                         O            02/01/33
    0

    8380637          X67/G02             F          231,280.00         ZZ
                                         360        231,065.79          1
                                       6.375          1,442.89         80
                                       6.125          1,442.89
    SANTA MARIA      CA   93454          1            12/16/02         00
    0435285614                           05           02/01/03          0
    00281317                             N            01/01/33
    0

    8380643          E11/G02             F          172,000.00         ZZ
                                         360        172,000.00          1
                                       6.875          1,129.92         80
                                       6.625          1,129.92
    JUNCTION CITY    WI   54443          5            01/14/03         00
    0435286729                           05           03/01/03          0
    0007001049482                        O            02/01/33
    0

    8380693          K15/G02             F          101,700.00         ZZ
                                         360        101,700.00          1
1

                                       7.625            719.83         90
                                       7.375            719.83
    PRATTSVILLE      NY   12468          5            01/10/03         10
    0435295142                           05           03/01/03         25
    027205507366                         O            02/01/33
    0

    8380815          144/144             F          135,000.00         ZZ
                                         360        134,507.86          1
                                       6.500            853.29         88
                                       6.250            853.29
    SAUGERTIES       NY   12477          1            09/13/02         12
    160697425                            05           11/01/02         25
    160697425                            O            10/01/32
    0

    8380821          253/253             F           33,000.00         ZZ
                                         360         32,972.27          1
                                       6.875            216.79         50
                                       6.625            216.79
    GAINESVILLE      FL   32608          1            12/10/02         00
    446363                               01           02/01/03          0
    446363                               N            01/01/33
    0

    8380825          E47/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.375          1,372.51         80
                                       6.125          1,372.51
    CORONA           CA   92881          5            01/06/03         00
    0435299391                           05           03/01/03          0
    7331014766                           O            02/01/33
    0

    8380855          W02/G02             F           67,150.00         ZZ
                                         360         67,090.75          1
                                       6.625            429.97         85
                                       6.375            429.97
    RIDGE SPRING     SC   29129          5            12/23/02         26
    0435313010                           05           02/01/03         12
    1001773604                           O            01/01/33
    0

    8380897          F36/G02             F          101,000.00         ZZ
                                         360        101,000.00          1
                                       6.375            630.11         61
                                       6.125            630.11
    LAKEWOOD         WA   98498          2            01/09/03         00
    0435296959                           05           03/01/03          0
1

    06405720                             N            02/01/33
    0

    8380945          Q31/G02             F          135,000.00         T
                                         360        135,000.00          1
                                       6.500            853.30         58
                                       6.250            853.30
    VISTA            CA   92084          5            01/15/03         00
    0435300561                           03           03/01/03          0
    SD876188                             O            02/01/33
    0

    8380947          W02/G02             F          105,500.00         ZZ
                                         360        105,406.92          1
                                       6.625            675.53         88
                                       6.375            675.53
    QUINCY           FL   32351          5            12/23/02         28
    0435313028                           05           02/01/03         25
    1001905851                           O            01/01/33
    0

    8380949          F36/G02             F          108,500.00         ZZ
                                         360        108,500.00          1
                                       6.375            676.90         60
                                       6.125            676.90
    LAKEWOOD         WA   98498          2            01/08/03         00
    0435283619                           05           03/01/03          0
    06405719                             N            02/01/33
    0

    8381011          W50/G02             F          181,430.00         ZZ
                                         360        181,430.00          1
                                       6.250          1,117.10         80
                                       6.000          1,117.10
    LIVONIA TWP      MN   55398          1            01/17/03         00
    0435268966                           05           03/01/03          0
    00030062                             O            02/01/33
    0

    8381223          952/G02             F           85,500.00         ZZ
                                         360         85,500.00          1
                                       6.750            554.55         37
                                       6.500            554.55
    TOTOWA           NJ   07512          5            01/14/03         00
    0435317771                           05           03/01/03          0
    20028312                             O            02/01/33
    0

1

    8381275          952/G02             F          300,000.00         ZZ
                                         360        299,735.32          1
                                       6.625          1,920.93         65
                                       6.375          1,920.93
    CALIFON          NJ   07830          5            12/31/02         00
    0435317722                           05           02/01/03          0
    20028732                             O            01/01/33
    0

    8381333          738/G02             F          311,500.00         ZZ
                                         360        311,500.00          1
                                       6.500          1,968.90         72
                                       6.250          1,968.90
    MARIETTA         GA   30062          2            12/27/02         00
    0435283627                           03           03/01/03          0
    40689498                             O            02/01/33
    0

    8381401          H81/G02             F          175,000.00         ZZ
                                         360        175,000.00          1
                                       6.750          1,135.05         30
                                       6.500          1,135.05
    DELAFIELD        WI   53018          5            01/10/03         00
    0435286232                           05           03/01/03          0
    20022186                             O            02/01/33
    0

    8381405          575/G02             F          316,000.00         ZZ
                                         360        315,727.93          1
                                       6.750          2,049.57         59
                                       6.500          2,049.57
    PASADENA         MD   21122          5            12/27/02         00
    0435286711                           05           02/01/03          0
    0014302616                           N            01/01/33
    0

    8381425          575/G02             F          161,000.00         ZZ
                                         360        160,861.38          1
                                       6.750          1,044.25         80
                                       6.500          1,044.25
    BALTIMORE        MD   21225          1            12/02/02         00
    0435290739                           03           02/01/03          0
    0013808597                           O            01/01/33
    0

    8381465          G51/G02             F          173,000.00         ZZ
                                         360        173,000.00          1
                                       7.500          1,209.64         82
                                       7.250          1,209.64
1

    AURORA           CO   80013          5            01/17/03         04
    0435288758                           03           03/01/03         12
    20003408                             O            02/01/33
    0

    8381471          P59/G02             F          199,000.00         ZZ
                                         360        199,000.00          3
                                       6.750          1,290.71         60
                                       6.500          1,290.71
    PASO ROBLES      CA   93446          5            01/10/03         00
    0435289939                           05           03/01/03          0
    AT004847                             N            02/01/33
    0

    8381491          116/116             F          392,000.00         ZZ
                                         360        391,645.62          1
                                       6.500          2,477.71         80
                                       6.250          2,477.71
    HOUSTON          TX   77005          1            12/23/02         00
    091023192                            05           02/01/03          0
    091023192                            O            01/01/33
    0

    8381493          N47/G02             F          352,000.00         ZZ
                                         360        352,000.00          1
                                       6.125          2,138.79         79
                                       5.875          2,138.79
    SAN JOSE         CA   95121          2            01/14/03         00
    0435332564                           05           03/01/03          0
    20500876                             O            02/01/33
    0

    8381861          X19/G02             F          145,000.00         ZZ
                                         360        145,000.00          2
                                       7.250            989.16         57
                                       7.000            989.16
    PATERSON         NJ   07514          5            01/22/03         00
    0435289962                           05           03/01/03          0
    22092604                             O            02/01/33
    0

    8381889          144/144             F           90,500.00         ZZ
                                         360         90,422.08          1
                                       6.750            586.98         54
                                       6.500            586.98
    MIDDLETOWN       NY   10941          5            12/18/02         00
    160708040                            05           02/01/03          0
    160708040                            O            01/01/33
    0
1

    8381895          Q31/G02             F          132,500.00         ZZ
                                         360        132,500.00          1
                                       7.250            903.88         78
                                       7.000            903.88
    LOS ANGELES      CA   90062          2            01/17/03         00
    0435300611                           05           03/01/03          0
    SD880913                             O            02/01/33
    0

    8381935          738/G02             F          124,800.00         ZZ
                                         360        124,800.00          1
                                       7.000            830.30         80
                                       6.750            830.30
    DECATUR          GA   30030          1            01/14/03         00
    0435283486                           05           03/01/03          0
    40834609                             N            02/01/33
    0

    8381959          967/G02             F          134,500.00         ZZ
                                         360        134,500.00          1
                                       6.375            839.11         77
                                       6.125            839.11
    OLYMPIA          WA   98501          2            01/10/03         00
    0435286455                           05           03/01/03          0
    5930334                              O            02/01/33
    0

    8382023          940/G02             F          364,000.00         ZZ
                                         360        364,000.00          1
                                       6.125          2,211.70         80
                                       5.875          2,211.70
    REDLANDS         CA   92373          5            01/09/03         00
    0435290200                           05           03/01/03          0
    40021287                             O            02/01/33
    0

    8382731          E22/G02             F          125,910.00         ZZ
                                         360        125,910.00          1
                                       6.750            816.65         90
                                       6.500            816.65
    BUENA VISTA      CO   81211          1            01/23/03         01
    0415101765                           05           03/01/03         30
    0415101765                           O            02/01/33
    0

    8382745          E22/G02             F          361,250.00         ZZ
                                         360        361,250.00          1
1

                                       6.625          2,313.12         85
                                       6.375          2,313.12
    BUDA             TX   78610          2            01/16/03         01
    0415412493                           03           03/01/03         12
    0415412493                           O            02/01/33
    0

    8382753          E22/G02             F           23,240.00         ZZ
                                         360         23,240.00          2
                                       7.625            164.49         80
                                       7.375            164.49
    TOLEDO           OH   43608          1            01/23/03         00
    0415541309                           05           03/01/03          0
    0415541309                           N            02/01/33
    0

    8382755          E22/G02             F          176,000.00         ZZ
                                         360        176,000.00          1
                                       6.500          1,112.44         80
                                       6.250          1,112.44
    DES MOINES       WA   98198          5            01/08/03         00
    0415775006                           05           03/01/03          0
    0415775006                           O            02/01/33
    0

    8382761          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.375          1,247.74         63
                                       6.125          1,247.74
    HOUSTON          TX   77019          5            01/17/03         00
    0415782010                           05           03/01/03          0
    0415782010                           O            02/01/33
    0

    8382765          E22/G02             F          131,400.00         ZZ
                                         360        131,400.00          1
                                       6.625            841.37         90
                                       6.375            841.37
    EAST POINT       GA   30344          1            01/22/03         04
    0415783919                           05           03/01/03         25
    0415783919                           N            02/01/33
    0

    8382767          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.875          2,627.72         60
                                       6.625          2,627.72
    BOCA RATON       FL   33487          5            01/17/03         00
    0415788132                           05           03/01/03          0
1

    0415788132                           O            02/01/33
    0

    8382773          E22/G02             F          229,600.00         ZZ
                                         360        229,600.00          1
                                       6.125          1,395.07         80
                                       5.875          1,395.07
    COVENTRY         RI   02816          1            01/23/03         00
    0415794577                           05           03/01/03          0
    0415794577                           O            02/01/33
    0

    8382775          E22/G02             F          220,000.00         ZZ
                                         360        220,000.00          2
                                       6.875          1,445.24         80
                                       6.625          1,445.24
    CHICAGO          IL   60639          5            01/17/03         00
    0415794916                           05           03/01/03          0
    0415794916                           O            02/01/33
    0

    8382779          E22/G02             F          242,000.00         ZZ
                                         360        242,000.00          1
                                       6.375          1,509.77         79
                                       6.125          1,509.77
    WASHINGTON       UT   84780          2            01/17/03         00
    0415801562                           05           03/01/03          0
    0415801562                           O            02/01/33
    0

    8382787          E22/G02             F          200,700.00         ZZ
                                         360        200,700.00          2
                                       7.000          1,335.26         90
                                       6.750          1,335.26
    GARFIELD         NJ   07026          1            01/23/03         10
    0415812783                           05           03/01/03         25
    0415812783                           N            02/01/33
    0

    8382793          E22/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.375            723.69         80
                                       6.125            723.69
    YAKIMA           WA   98902          5            01/13/03         00
    0415822824                           05           03/01/03          0
    0415822824                           O            02/01/33
    0

1

    8382799          E22/G02             F          284,000.00         ZZ
                                         360        284,000.00          1
                                       6.375          1,771.79         80
                                       6.125          1,771.79
    FORT WORTH       TX   76132          5            01/17/03         00
    0415545029                           03           03/01/03          0
    0415545029                           O            02/01/33
    0

    8382803          E22/G02             F           68,400.00         ZZ
                                         360         68,400.00          1
                                       6.875            449.34         95
                                       6.625            449.34
    GALENA           MO   65656          5            01/17/03         01
    0415571587                           05           03/01/03         30
    0415571587                           O            02/01/33
    0

    8382819          E22/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       6.750            466.99         67
                                       6.500            466.99
    ASHEVILLE        NC   28803          2            01/23/03         00
    0415650381                           05           03/01/03          0
    0415650381                           N            02/01/33
    0

    8382825          E22/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       6.750            596.71         79
                                       6.500            596.71
    GREENVILLE       SC   29617          5            01/17/03         00
    0415682194                           05           03/01/03          0
    0415682194                           O            02/01/33
    0

    8382853          E22/G02             F           55,920.00         ZZ
                                         360         55,920.00          1
                                       7.500            391.00         80
                                       7.250            391.00
    ST LOUIS         MO   63135          1            01/23/03         00
    0415848613                           05           03/01/03          0
    0415848613                           N            02/01/33
    0

    8382855          E22/G02             F          177,500.00         ZZ
                                         360        177,500.00          1
                                       6.500          1,121.92         95
                                       6.250          1,121.92
1

    RANCHO CORDOVA   CA   95670          5            01/13/03         04
    0415851906                           05           03/01/03         30
    0415851906                           O            02/01/33
    0

    8382857          E22/G02             F           94,000.00         ZZ
                                         360         94,000.00          1
                                       7.125            633.30         80
                                       6.875            633.30
    DAYTON           NV   89403          1            01/14/03         00
    0415856335                           05           03/01/03          0
    0415856335                           N            02/01/33
    0

    8382859          E22/G02             F          129,000.00         ZZ
                                         360        129,000.00          1
                                       6.125            783.82         69
                                       5.875            783.82
    SPARKS           NV   89436          2            01/15/03         00
    0415856673                           01           03/01/03          0
    0415856673                           O            02/01/33
    0

    8382865          E22/G02             F           34,275.00         ZZ
                                         360         34,275.00          1
                                       6.500            216.64         75
                                       6.250            216.64
    JACKSON          MS   39204          2            01/23/03         00
    0415867340                           05           03/01/03          0
    0415867340                           N            02/01/33
    0

    8382867          E22/G02             F          172,000.00         ZZ
                                         360        172,000.00          1
                                       6.625          1,101.33         67
                                       6.375          1,101.33
    VERONA           NJ   07044          5            01/17/03         00
    0415867381                           05           03/01/03          0
    0415867381                           O            02/01/33
    0

    8382871          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.250          1,231.43         72
                                       6.000          1,231.43
    RICHMOND         CA   94804          5            01/13/03         00
    0415876804                           05           03/01/03          0
    0415876804                           O            02/01/33
    0
1

    8382891          E22/G02             F          429,000.00         ZZ
                                         360        429,000.00          1
                                       6.250          2,641.43         78
                                       6.000          2,641.43
    FORT COLLINS     CO   80521          5            01/17/03         00
    0415886381                           05           03/01/03          0
    0415886381                           O            02/01/33
    0

    8382963          E22/G02             F          138,700.00         ZZ
                                         360        138,700.00          1
                                       6.750            899.61         95
                                       6.500            899.61
    FREDERICK        MD   21703          5            01/17/03         10
    0415716067                           09           03/01/03         30
    0415716067                           O            02/01/33
    0

    8382969          E22/G02             F          148,200.00         ZZ
                                         360        148,200.00          1
                                       6.500            936.72         95
                                       6.250            936.72
    COMPTON          CA   90221          1            01/02/03         04
    0415733229                           05           03/01/03         30
    0415733229                           O            02/01/33
    0

    8382975          E22/G02             F          108,300.00         ZZ
                                         360        108,300.00          1
                                       7.375            748.00         95
                                       7.125            748.00
    PORTAGE          MI   49024          5            01/17/03         01
    0415751437                           05           03/01/03         30
    0415751437                           O            02/01/33
    0

    8382979          E22/G02             F          210,000.00         ZZ
                                         360        210,000.00          1
                                       6.125          1,275.98         73
                                       5.875          1,275.98
    CHINO            CA   91710          5            01/09/03         00
    0415756170                           05           03/01/03          0
    0415756170                           O            02/01/33
    0

    8382981          E22/G02             F          406,000.00         ZZ
                                         360        406,000.00          1
1

                                       6.875          2,667.13         71
                                       6.625          2,667.13
    EAST HANOVER     NJ   07936          1            01/23/03         00
    0415758994                           05           03/01/03          0
    0415758994                           O            02/01/33
    0

    8382983          E22/G02             F          187,000.00         ZZ
                                         360        187,000.00          1
                                       6.500          1,181.97         74
                                       6.250          1,181.97
    SUPERIOR TOWNSH  MI   48198          5            01/17/03         00
    0415762467                           05           03/01/03          0
    0415762467                           O            02/01/33
    0

    8382987          E22/G02             F          170,910.00         ZZ
                                         360        170,910.00          1
                                       7.500          1,195.03         90
                                       7.250          1,195.03
    ANDOVER          KS   67002          2            01/04/03         01
    0415766310                           05           03/01/03         25
    0415766310                           N            02/01/33
    0

    8382991          E22/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.250          1,354.58         57
                                       6.000          1,354.58
    DALLAS           TX   75208          5            01/17/03         00
    0415894849                           05           03/01/03          0
    0415894849                           O            02/01/33
    0

    8382995          E22/G02             F          367,200.00         ZZ
                                         360        367,200.00          1
                                       6.750          2,381.65         80
                                       6.500          2,381.65
    VENTURA          CA   93001          1            01/14/03         00
    0415895812                           05           03/01/03          0
    0415895812                           N            02/01/33
    0

    8383007          E22/G02             F           78,500.00         ZZ
                                         360         78,500.00          1
                                       6.250            483.34         90
                                       6.000            483.34
    KALAMAZOO        MI   49004          2            01/17/03         01
    0415916246                           05           03/01/03         25
1

    0415916246                           O            02/01/33
    0

    8383093          E82/G02             F          118,900.00         ZZ
                                         360        118,900.00          1
                                       6.625            761.33         80
                                       6.375            761.33
    MILWAUKEE        WI   53219          2            01/21/03         00
    0400762274                           05           03/01/03          0
    1829575                              O            02/01/33
    0

    8383109          E82/G02             F           60,100.00         ZZ
                                         360         60,100.00          2
                                       6.250            370.05         51
                                       6.000            370.05
    MOORHEAD         MN   56560          2            01/22/03         00
    0400756532                           05           03/01/03          0
    1628670                              O            02/01/33
    0

    8383135          E82/G02             F           66,000.00         ZZ
                                         360         66,000.00          1
                                       6.750            428.07         56
                                       6.500            428.07
    WOODSTOCK        GA   30189          2            01/23/03         00
    0400737391                           05           03/01/03          0
    0400737391                           N            02/01/33
    0

    8383153          E82/G02             F           97,600.00         ZZ
                                         360         97,600.00          1
                                       6.625            624.94         73
                                       6.375            624.94
    SOUTH OGDEN      UT   84405          2            01/21/03         00
    0400752861                           05           03/01/03          0
    1564910                              O            02/01/33
    0

    8383751          K60/G02             F          294,500.00         ZZ
                                         360        294,500.00          1
                                       6.500          1,861.44         95
                                       6.250          1,861.44
    EVERETT          MA   02149          1            01/22/03         04
    0435299839                           05           03/01/03         30
    73481                                O            02/01/33
    0

1

    8383779          N47/G02             F          175,000.00         ZZ
                                         360        175,000.00          2
                                       7.250          1,193.81         68
                                       7.000          1,193.81
    SAN DIEGO        CA   92105          5            01/09/03         00
    0435297395                           05           03/01/03          0
    30501062                             N            02/01/33
    0

    8383813          U05/G02             F          182,000.00         ZZ
                                         360        182,000.00          1
                                       6.000          1,091.18         79
                                       5.750          1,091.18
    HAVERTOWN        PA   19083          5            01/09/03         00
    0435293196                           05           03/01/03          0
    3302469                              O            02/01/33
    0

    8383815          N47/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.375          1,871.61         44
                                       6.125          1,871.61
    SARATOGA         CA   95070          5            01/09/03         00
    0435318704                           09           03/01/03          0
    20502031                             O            02/01/33
    0

    8383837          U05/G02             F          122,900.00         ZZ
                                         360        122,900.00          1
                                       6.625            786.94         77
                                       6.375            786.94
    WINDHAM          ME   04062          2            01/09/03         00
    0435296611                           01           03/01/03          0
    3294429                              O            02/01/33
    0

    8383851          S11/G02             F          153,600.00         ZZ
                                         360        153,600.00          1
                                       6.000            920.91         80
                                       5.750            920.91
    NORWALK          CA   90650          5            01/13/03         00
    0435318308                           05           03/01/03          0
    10210193                             O            02/01/33
    0

    8383933          N74/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       6.875            604.37         80
                                       6.625            604.37
1

    NORTH WILKESBOR  NC   28659          5            01/17/03         00
    0435280722                           05           03/01/03          0
    0031538010                           O            02/01/33
    0

    8383939          K15/G02             F          128,000.00         ZZ
                                         360        128,000.00          1
                                       7.375            884.06         72
                                       7.125            884.06
    SHIRLEY          NY   11967          5            01/13/03         00
    0435288139                           05           03/01/03          0
    020705509072                         O            02/01/33
    0

    8383961          144/144             F          295,600.00         ZZ
                                         360        295,326.22          1
                                       6.375          1,844.16         80
                                       6.125          1,844.16
    EAST QUOGUE      NY   11942          1            12/17/02         00
    160707802                            05           02/01/03          0
    160707802                            N            01/01/33
    0

    8383987          S11/G02             F          165,000.00         ZZ
                                         360        165,000.00          1
                                       6.875          1,083.93         68
                                       6.625          1,083.93
    FORT BRAGG       CA   95437          5            01/14/03         00
    0435293212                           05           03/01/03          0
    10210345                             O            02/01/33
    0

    8383989          E47/G02             F          341,000.00         ZZ
                                         360        341,000.00          1
                                       6.375          2,127.40         80
                                       6.125          2,127.40
    TRACY            CA   95377          1            01/08/03         00
    0435289343                           05           03/01/03          0
    7359512044                           O            02/01/33
    0

    8384055          M27/G02             F          483,000.00         ZZ
                                         360        483,000.00          1
                                       6.500          3,052.89         61
                                       6.250          3,052.89
    CARY             NC   27511          5            01/16/03         00
    0435294160                           03           03/01/03          0
    0100129527                           O            02/01/33
    0
1

    8384255          U41/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       7.000            771.75         74
                                       6.750            771.75
    MADISON          WI   53713          5            01/20/03         00
    0435287263                           05           03/01/03          0
    BERRY6888                            O            02/01/33
    0

    8384259          H93/G02             F          159,100.00         ZZ
                                         360        159,100.00          1
                                       6.125            966.71         71
                                       5.875            966.71
    OKLAHOMA CITY    OK   73170          2            01/13/03         00
    0435290168                           05           03/01/03          0
    2002002245                           O            02/01/33
    0

    8384265          Q59/G02             F          245,000.00         ZZ
                                         360        244,789.06          1
                                       6.750          1,589.07         70
                                       6.500          1,589.07
    SANTA ANA        CA   92703          5            12/24/02         00
    0435316369                           05           02/01/03          0
    0000404152                           O            01/01/33
    0

    8384267          G34/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       7.000          2,128.97         80
                                       6.750          2,128.97
    EXCELSIOR        MN   55331          5            01/14/03         00
    0435297866                           05           03/01/03          0
    85212022                             O            02/01/33
    0

    8384551          X52/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.250            664.97         54
                                       6.000            664.97
    MARATHON         FL   33050          5            01/16/03         00
    0435289988                           05           03/01/03          0
    REPICKY                              O            02/01/33
    0

    8384595          U05/G02             F          156,000.00         ZZ
                                         360        156,000.00          1
1

                                       6.500            986.03         55
                                       6.250            986.03
    ORANGE           CA   92868          2            01/08/03         00
    0435318290                           05           03/01/03          0
    3291141                              O            02/01/33
    0

    8384819          U19/G02             F          115,000.00         ZZ
                                         360        115,000.00          1
                                       7.500            804.10         66
                                       7.250            804.10
    DENVER           CO   80205          2            01/16/03         00
    0435297254                           07           03/01/03          0
    030110001                            N            02/01/33
    0

    8384837          N74/G02             F           65,500.00         ZZ
                                         240         65,366.44          1
                                       6.500            488.35         73
                                       6.250            488.35
    JONESVILLE       NC   28642          5            01/22/03         00
    0435279559                           05           02/27/03          0
    0031553010                           O            01/27/23
    0

    8384865          A21/G02             F          260,750.00         ZZ
                                         360        260,750.00          1
                                       6.875          1,712.95         77
                                       6.625          1,712.95
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    0435292198                           05           03/01/03          0
    0100134089                           O            02/01/33
    0

    8385161          X31/G02             F          185,250.00         ZZ
                                         360        185,250.00          2
                                       6.500          1,170.91         75
                                       6.250          1,170.91
    PORTLAND         OR   97217          5            01/15/03         00
    0435293840                           05           03/01/03          0
    59000239                             N            02/01/33
    0

    8385367          U05/G02             F           45,600.00         ZZ
                                         360         45,600.00          1
                                       6.500            288.22         80
                                       6.250            288.22
    HOLLYWOOD        FL   33020          1            01/13/03         00
    0435344148                           01           03/01/03          0
1

    3295309                              N            02/01/33
    0

    8385553          U05/G02             F          165,000.00         ZZ
                                         360        165,000.00          1
                                       6.750          1,070.19         95
                                       6.500          1,070.19
    HYATTSVILLE      MD   20785          5            01/15/03         04
    0435295324                           05           03/01/03         30
    3297320                              O            02/01/33
    0

    8385609          S11/G02             F          280,500.00         ZZ
                                         360        280,500.00          2
                                       6.250          1,727.09         73
                                       6.000          1,727.09
    FULLERTON        CA   92831          2            01/09/03         00
    0435290853                           05           03/01/03          0
    10210550                             O            02/01/33
    0

    8385625          S11/G02             F          314,000.00         ZZ
                                         360        314,000.00          1
                                       6.500          1,984.69         69
                                       6.250          1,984.69
    MISSION VIEJO    CA   92691          5            01/02/03         00
    0435290283                           03           03/01/03          0
    10320677                             O            02/01/33
    0

    8385701          405/405             F          384,450.00         ZZ
                                         360        384,102.45          1
                                       6.500          2,429.99         70
                                       6.000          2,429.99
    COROLLA          NC   27927          2            12/11/02         00
    0019657766                           05           02/01/03          0
    0019657766                           N            01/01/33
    0

    8386217          E82/G02             F           49,700.00         ZZ
                                         360         49,700.00          1
                                       6.250            306.01         43
                                       6.000            306.01
    HOLLYWOOD        FL   33021          2            01/23/03         00
    0400764296                           05           03/01/03          0
    0400764296                           O            02/01/33
    0

1

    8386225          E82/G02             F          195,500.00         ZZ
                                         360        195,500.00          1
                                       6.750          1,268.01         63
                                       6.500          1,268.01
    GRAND LEDGE      MI   48837          2            01/23/03         00
    0400758447                           05           03/01/03          0
    1901521                              O            02/01/33
    0

    8386241          E82/G02             F          158,800.00         ZZ
                                         360        158,800.00          1
                                       6.875          1,043.20         76
                                       6.625          1,043.20
    AUSTIN           TX   78737          2            01/23/03         00
    0400756839                           05           03/01/03          0
    3408582                              O            02/01/33
    0

    8386251          E82/G02             F          136,000.00         ZZ
                                         360        136,000.00          1
                                       6.375            848.46         56
                                       6.125            848.46
    CAMBRIDGE        MN   55008          2            01/23/03         00
    0400762290                           05           03/01/03          0
    4997368                              O            02/01/33
    0

    8386257          E82/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       5.750            536.89         76
                                       5.500            536.89
    SEFFNER          FL   33584          2            01/23/03         00
    0400775029                           05           03/01/03          0
    1906978                              O            02/01/33
    0

    8386265          E82/G02             F          122,750.00         ZZ
                                         360        122,750.00          1
                                       7.250            837.37         80
                                       7.000            837.37
    COPPELL          TX   75019          2            01/15/03         00
    0400741286                           05           03/01/03          0
    5534278                              N            02/01/33
    0

    8386267          E82/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       7.250            982.33         80
                                       7.000            982.33
1

    COPPELL          TX   75019          2            01/24/03         00
    0400741294                           05           03/01/03          0
    5534277                              N            02/01/33
    0

    8386279          E22/G02             F          415,000.00         ZZ
                                         360        415,000.00          1
                                       6.375          2,589.06         77
                                       6.125          2,589.06
    LOS ANGELES      CA   90043          2            01/14/03         00
    0415468941                           05           03/01/03          0
    0415468941                           O            02/01/33
    0

    8386281          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.750            648.60         80
                                       6.500            648.60
    COLCHESTER       CT   06415          1            01/24/03         00
    0415478874                           05           03/01/03          0
    0415478874                           O            02/01/33
    0

    8386285          E22/G02             F          253,400.00         ZZ
                                         360        253,400.00          1
                                       6.375          1,580.89         78
                                       6.125          1,580.89
    MCKINNEY         TX   75070          2            01/20/03         00
    0415533652                           03           03/01/03          0
    0415533652                           O            02/01/33
    0

    8386287          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.250          1,231.43         80
                                       6.000          1,231.43
    SPICEWOOD        TX   78669          5            01/20/03         00
    0415548718                           05           03/01/03          0
    0415548718                           O            02/01/33
    0

    8386295          E22/G02             F           30,600.00         ZZ
                                         360         30,600.00          1
                                       7.750            219.22         90
                                       7.500            219.22
    BATON ROUGE      LA   70805          1            01/24/03         04
    0415588060                           05           03/01/03         25
    0415588060                           N            02/01/33
    0
1

    8386297          E22/G02             F          155,000.00         ZZ
                                         360        155,000.00          1
                                       6.250            954.36         61
                                       6.000            954.36
    BOCA RATON       FL   33432          1            01/24/03         00
    0415622760                           06           03/01/03          0
    0415622760                           O            02/01/33
    0

    8386301          E22/G02             F          217,000.00         ZZ
                                         360        217,000.00          1
                                       6.875          1,425.54         74
                                       6.625          1,425.54
    CORONA           CA   92881          5            01/06/03         00
    0415677228                           05           03/01/03          0
    0415677228                           O            02/01/33
    0

    8386309          E22/G02             F          111,720.00         ZZ
                                         360        111,720.00          1
                                       6.750            724.61         95
                                       6.500            724.61
    FONTANA          CA   92335          1            01/15/03         04
    0415812064                           05           03/01/03         35
    0415812064                           O            02/01/33
    0

    8386311          E22/G02             F          210,510.00         ZZ
                                         360        210,510.00          1
                                       6.750          1,365.36         90
                                       6.500          1,365.36
    ELK GROVE        CA   95624          1            01/22/03         01
    0415815356                           05           03/01/03         30
    0415815356                           O            02/01/33
    0

    8386321          E22/G02             F           65,600.00         ZZ
                                         360         65,600.00          1
                                       6.750            425.48         80
                                       6.500            425.48
    PUEBLO           CO   81006          2            01/24/03         00
    0415836980                           05           03/01/03          0
    0415836980                           N            02/01/33
    0

    8386323          E22/G02             F          217,710.00         ZZ
                                         360        217,710.00          1
1

                                       6.750          1,412.06         90
                                       6.500          1,412.06
    LODI             CA   95242          1            01/16/03         04
    0415843465                           05           03/01/03         25
    0415843465                           N            02/01/33
    0

    8386325          E22/G02             F          121,000.00         ZZ
                                         360        121,000.00          1
                                       6.250            745.02         79
                                       6.000            745.02
    MIAMI            FL   33144          2            01/17/03         00
    0415844786                           05           03/01/03          0
    0415844786                           O            02/01/33
    0

    8386327          E22/G02             F          299,700.00         ZZ
                                         360        299,700.00          1
                                       6.000          1,796.85         90
                                       5.750          1,796.85
    CONCORD          CA   94520          1            01/21/03         01
    0415856731                           05           03/01/03         25
    0415856731                           O            02/01/33
    0

    8386331          E22/G02             F          183,120.00         ZZ
                                         360        183,120.00          1
                                       7.000          1,218.30         80
                                       6.750          1,218.30
    CAMERON PARK     CA   95682          1            01/17/03         00
    0415863711                           09           03/01/03          0
    0415863711                           N            02/01/33
    0

    8386339          E22/G02             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.125          3,038.05         63
                                       5.875          3,038.05
    ALAMEDA          CA   94501          1            01/17/03         00
    0415870773                           05           03/01/03          0
    0415870773                           O            02/01/33
    0

    8386341          E22/G02             F          117,000.00         ZZ
                                         360        117,000.00          1
                                       6.375            729.93         93
                                       6.125            729.93
    BELDING          MI   48809          2            01/17/03         04
    0415872688                           05           03/01/03         30
1

    0415872688                           O            02/01/33
    0

    8386349          E22/G02             F           35,000.00         ZZ
                                         360         35,000.00          1
                                       6.750            227.01         50
                                       6.500            227.01
    CARSON CITY      NV   89701          1            01/17/03         00
    0415891472                           01           03/01/03          0
    0415891472                           O            02/01/33
    0

    8386355          E22/G02             F          125,000.00         ZZ
                                         360        125,000.00          1
                                       6.625            800.39         80
                                       6.375            800.39
    FLUSHING         MI   48433          5            01/20/03         00
    0415913334                           05           03/01/03          0
    0415913334                           O            02/01/33
    0

    8386361          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       7.000            718.53         75
                                       6.750            718.53
    WILMINGTON       NC   28403          2            01/23/03         00
    0415925130                           07           03/01/03          0
    0415925130                           N            02/01/33
    0

    8386363          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       7.000            718.53         75
                                       6.750            718.53
    WILMINGTON       NC   28403          2            01/23/03         00
    0415931989                           07           03/01/03          0
    0415931989                           N            02/01/33
    0

    8386383          E22/G02             F          127,500.00         ZZ
                                         360        127,500.00          1
                                       6.500            805.89         75
                                       6.250            805.89
    MOBILE           AL   36605          2            01/24/03         00
    0415967025                           05           03/01/03          0
    0415967025                           N            02/01/33
    0

1

    8386409          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.875            656.93         63
                                       6.625            656.93
    COLORADO SPRING  CO   80903          5            01/24/03         00
    0415764406                           05           03/01/03          0
    0415764406                           N            02/01/33
    0

    8386417          E22/G02             F          177,600.00         ZZ
                                         360        177,600.00          2
                                       6.500          1,122.55         69
                                       6.250          1,122.55
    LOS ANGELES      CA   90016          5            01/10/03         00
    0415771518                           05           03/01/03          0
    0415771518                           O            02/01/33
    0

    8386419          E22/G02             F          477,600.00         ZZ
                                         360        477,600.00          1
                                       6.375          2,979.60         80
                                       6.125          2,979.60
    WHITE PLAINS     NY   10605          1            01/24/03         00
    0415779149                           05           03/01/03          0
    0415779149                           O            02/01/33
    0

    8386421          E22/G02             F          484,000.00         E
                                         360        484,000.00          1
                                       7.500          3,384.20         80
                                       7.250          3,384.20
    LOUISVILLE       CO   80027          1            01/24/03         00
    0415780675                           03           03/01/03          0
    0415780675                           O            02/01/33
    0

    8386493          E82/G02             F          169,800.00         ZZ
                                         360        169,800.00          1
                                       6.625          1,087.25         78
                                       6.375          1,087.25
    SCOTCH PLAINS    NJ   07076          2            01/20/03         00
    0400754172                           05           03/01/03          0
    6480344                              O            02/01/33
    0

    8386499          E82/G02             F          155,300.00         ZZ
                                         360        155,300.00          1
                                       6.375            968.87         70
                                       6.125            968.87
1

    LONG BEACH       CA   90815          2            01/16/03         00
    0400760112                           05           03/01/03          0
    1962842                              O            02/01/33
    0

    8386501          E82/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.500          1,137.72         80
                                       6.250          1,137.72
    MARION           MT   59925          2            01/20/03         00
    0400753208                           05           03/01/03          0
    4119421                              O            02/01/33
    0

    8386969          E45/G02             F          352,000.00         ZZ
                                         360        350,603.71          1
                                       6.500          2,224.88         80
                                       6.250          2,224.88
    O'FALLON         IL   62269          5            09/12/02         00
    0435323209                           05           11/01/02          0
    276821                               O            10/01/32
    0

    8387137          144/144             F          212,000.00         ZZ
                                         360        211,803.65          1
                                       6.375          1,322.60         80
                                       6.125          1,322.60
    KERHONKSON       NY   12446          1            12/16/02         00
    160707810                            05           02/01/03          0
    160707810                            O            01/01/33
    0

    8387181          M27/G02             F          273,000.00         ZZ
                                         360        273,000.00          1
                                       6.375          1,703.16         63
                                       6.125          1,703.16
    WILMINGTON       NC   28409          2            01/16/03         00
    0435315163                           03           03/01/03          0
    0100025203                           O            02/01/33
    0

    8387185          S11/G02             F          153,600.00         ZZ
                                         360        153,600.00          1
                                       6.500            970.86         80
                                       6.250            970.86
    LAKE FOREST      CA   92630          2            01/03/03         00
    0435294715                           01           03/01/03          0
    10210258                             O            02/01/33
    0
1

    8387189          975/G02             F          297,600.00         ZZ
                                         360        297,600.00          1
                                       6.375          1,856.64         80
                                       6.125          1,856.64
    DIAMOND BAR      CA   91765          5            01/02/03         00
    0435290754                           05           03/01/03          0
    2025764                              O            02/01/33
    0

    8387213          S43/G02             F           64,500.00         ZZ
                                         360         64,500.00          1
                                       6.500            407.68         50
                                       6.250            407.68
    ALBUQUERQUE      NM   87105          2            01/23/03         00
    0435297312                           05           03/01/03          0
    021908                               N            02/01/33
    0

    8387221          883/G02             F          300,700.00         ZZ
                                         360        300,700.00          1
                                       6.250          1,851.46         75
                                       6.000          1,851.46
    WOODBRIDGE       VA   22192          2            01/16/03         00
    0435296173                           05           03/01/03          0
    05020276                             O            02/01/33
    0

    8387225          R84/G02             F          449,500.00         ZZ
                                         360        449,500.00          1
                                       6.750          2,915.45         54
                                       6.500          2,915.45
    HOUSTON          TX   77024          5            01/07/03         00
    0435318100                           05           03/01/03          0
    0656542                              O            02/01/33
    0

    8387295          U19/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.125          1,336.74         80
                                       5.875          1,336.74
    LAKEWOOD         CO   80215          5            01/15/03         00
    0435325915                           05           03/01/03          0
    0212170001                           O            02/01/33
    0

    8387551          588/G02             F          390,000.00         ZZ
                                         360        390,000.00          1
1

                                       6.375          2,433.09         78
                                       6.125          2,433.09
    SUMMIT CITY      NJ   07901          5            01/15/03         00
    0435295845                           05           03/01/03          0
    00010808623                          O            02/01/33
    0

    8387617          A06/G02             F          280,000.00         ZZ
                                         360        280,000.00          1
                                       6.250          1,724.01         80
                                       6.000          1,724.01
    WATERFORD        MI   48327          5            01/21/03         00
    0435292933                           05           03/01/03          0
    021000020233615                      O            02/01/33
    0

    8387623          E11/G02             F          118,800.00         ZZ
                                         360        118,800.00          1
                                       6.375            741.16         90
                                       6.125            741.16
    COLUMBIA HEIGHT  MN   55421          1            01/16/03         04
    0435291844                           05           03/01/03         25
    30010532                             O            02/01/33
    0

    8387635          758/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       6.750            596.71         51
                                       6.500            596.71
    CONROE           TX   77385          5            01/13/03         00
    0435318621                           05           03/01/03          0
    330673                               O            02/01/33
    0

    8387651          N74/G02             F          160,000.00         ZZ
                                         300        160,000.00          1
                                       6.625          1,092.86         80
                                       6.375          1,092.86
    HIGH POINT       NC   27265          5            01/23/03         00
    0435316476                           05           03/01/03          0
    0031567011                           O            02/01/28
    0

    8387653          X64/G02             F          146,000.00         ZZ
                                         360        146,000.00          1
                                       6.500            922.82        100
                                       6.250            922.82
    REDFORD          MI   48239          2            01/17/03         10
    0435287560                           05           03/01/03         35
1

    0000002545                           O            02/01/33
    0

    8387683          X67/G02             F          300,700.00         ZZ
                                         360        300,700.00          2
                                       7.375          2,076.86         76
                                       7.125          2,076.86
    EVERETT          MA   02149          2            01/15/03         00
    0435293915                           05           03/01/03          0
    00241486                             O            02/01/33
    0

    8387697          U35/G02             F           76,950.00         ZZ
                                         360         76,950.00          1
                                       6.625            492.72         95
                                       6.375            492.72
    EAST MOLINE      IL   61244          1            01/23/03         02
    0435305560                           05           03/01/03         30
    75984001                             O            02/01/33
    0

    8387703          X19/G02             F          281,250.00         ZZ
                                         360        281,250.00          3
                                       6.625          1,800.87         75
                                       6.375          1,800.87
    NEW YORK         NY   10461          1            01/27/03         00
    0435305701                           05           03/01/03          0
    22111501                             O            02/01/33
    0

    8387717          T44/G02             F          115,200.00         ZZ
                                         360        115,200.00          1
                                       6.500            728.14         80
                                       6.250            728.14
    TEHACHAPI        CA   93561          5            01/09/03         00
    0435289533                           03           03/01/03          0
    1063456                              O            02/01/33
    0

    8387725          Q14/G02             F           38,000.00         ZZ
                                         360         38,000.00          1
                                       6.750            246.47         55
                                       6.500            246.47
    KANSAS CITY      KS   66112          2            01/16/03         00
    0435294988                           07           03/01/03          0
    0000210772                           N            02/01/33
    0

1

    8387771          A06/G02             F          224,000.00         ZZ
                                         360        224,000.00          1
                                       6.250          1,379.21         80
                                       6.000          1,379.21
    HOWELL           MI   48855          5            01/17/03         00
    0435297841                           05           03/01/03          0
    035000020232572                      O            02/01/33
    0

    8387885          K15/G02             F          100,300.00         ZZ
                                         360        100,300.00          1
                                       6.625            642.23         85
                                       6.375            642.23
    GREENVILLE       SC   29605          5            01/17/03         41
    0435295589                           05           03/01/03         12
    002035505784                         O            02/01/33
    0

    8388047          K15/G02             F          107,100.00         ZZ
                                         360        107,100.00          1
                                       7.375            739.71         85
                                       7.125            739.71
    WENTWORTH        NH   03282          5            01/10/03         41
    0435295431                           05           03/01/03         12
    033305508878                         O            02/01/33
    0

    8388253          A06/G02             F           80,000.00         T
                                         360         80,000.00          1
                                       7.250            545.75         67
                                       7.000            545.75
    ANN ARBOR        MI   48104          5            01/23/03         00
    0435288659                           06           03/01/03          0
    001000010202112                      O            02/01/33
    0

    8388297          M96/G02             F          185,500.00         ZZ
                                         360        185,500.00          1
                                       6.375          1,157.28         76
                                       6.125          1,157.28
    BATTLE CREEK     MI   49014          2            01/15/03         00
    0435325527                           05           03/01/03          0
    200202970                            O            02/01/33
    0

    8388343          F36/G02             F           97,500.00         ZZ
                                         360         97,500.00          1
                                       6.500            616.27         75
                                       6.250            616.27
1

    WOODLAND         WA   98674          2            01/17/03         00
    0435293600                           05           03/01/03          0
    06505622                             N            02/01/33
    0

    8388379          E45/G02             F          152,000.00         ZZ
                                         360        151,633.18          2
                                       7.125          1,024.05         83
                                       6.875          1,024.05
    ATLANTA          GA   30318          2            10/24/02         11
    0435331384                           05           12/01/02         20
    281187                               N            11/01/32
    0

    8388529          U05/G02             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.125          2,065.88         80
                                       5.875          2,065.88
    SANTA CLARITA A  CA   91390          5            01/13/03         00
    0435318084                           05           03/01/03          0
    3296655                              O            02/01/33
    0

    8388647          144/144             F          175,000.00         ZZ
                                         360        174,825.79          1
                                       6.000          1,049.21         69
                                       5.750          1,049.21
    KINGSTON         NY   12401          5            12/27/02         00
    160709154                            05           02/01/03          0
    160709154                            O            01/01/33
    0

    8388857          W68/G02             F          107,510.00         ZZ
                                         360        107,510.00          1
                                       6.625            688.40         64
                                       6.375            688.40
    WAXAHACHIE       TX   75165          2            01/09/03         00
    0435335336                           05           03/01/03          0
    32488                                O            02/01/33
    0

    8389271          356/356             F          495,000.00         ZZ
                                         360        495,000.00          1
                                       6.750          3,210.57         80
                                       6.500          3,210.57
    FREEMONT         CA   94536          5            12/31/02         00
    28975233                             05           03/01/03          0
    28975233                             O            02/01/33
    0
1

    8390145          K15/G02             F          105,200.00         ZZ
                                         360        105,200.00          1
                                       7.625            744.60         88
                                       7.375            744.60
    MILFORD          CT   06460          5            01/10/03         41
    0435295704                           01           03/01/03         25
    037405506258                         O            02/01/33
    0

    8392749          E22/G02             F          204,800.00         ZZ
                                         360        204,800.00          1
                                       6.250          1,260.99         80
                                       6.000          1,260.99
    CHULA VISTA      CA   91910          5            01/22/03         00
    0415471705                           09           03/01/03          0
    0415471705                           O            02/01/33
    0

    8392763          E22/G02             F          106,500.00         ZZ
                                         360        106,500.00          1
                                       6.125            647.11         72
                                       5.875            647.11
    PLANO            TX   75075          2            01/21/03         00
    0415556976                           05           03/01/03          0
    0415556976                           O            02/01/33
    0

    8392765          E22/G02             F           60,800.00         ZZ
                                         360         60,800.00          1
                                       6.500            384.30         95
                                       6.250            384.30
    MEMPHIS          TN   38109          2            01/22/03         10
    0415565498                           05           03/01/03         30
    0415565498                           O            02/01/33
    0

    8392773          E22/G02             F          297,500.00         ZZ
                                         360        297,500.00          1
                                       6.125          1,807.64         49
                                       5.875          1,807.64
    CELINA           TX   75009          2            01/21/03         00
    0415627348                           03           03/01/03          0
    0415627348                           O            02/01/33
    0

    8392775          E22/G02             F           82,000.00         ZZ
                                         240         82,000.00          1
1

                                       6.125            593.40         72
                                       5.875            593.40
    CLEVELAND        TN   37323          5            01/22/03         00
    0415648765                           05           03/01/03          0
    0415648765                           O            02/01/23
    0

    8392789          E22/G02             F          128,000.00         ZZ
                                         360        128,000.00          1
                                       6.500            809.05         80
                                       6.250            809.05
    WILMINGTON       NC   28409          2            01/22/03         00
    0415679307                           05           03/01/03          0
    0415679307                           O            02/01/33
    0

    8392813          E22/G02             F          234,400.00         ZZ
                                         360        234,400.00          1
                                       6.250          1,443.24         80
                                       6.000          1,443.24
    WINDSOR          CA   95492          2            12/27/02         00
    0415693548                           05           03/01/03          0
    0415693548                           O            02/01/33
    0

    8392815          E22/G02             F          237,100.00         ZZ
                                         360        237,100.00          3
                                       6.500          1,498.63         70
                                       6.250          1,498.63
    LYNN             MA   01902          5            01/21/03         00
    0415698703                           05           03/01/03          0
    0415698703                           O            02/01/33
    0

    8392829          E22/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       6.500            834.33         69
                                       6.250            834.33
    HAWTHORNE        CA   90250          5            01/16/03         00
    0415728757                           01           03/01/03          0
    0415728757                           O            02/01/33
    0

    8392831          E22/G02             F          305,000.00         ZZ
                                         360        305,000.00          1
                                       6.750          1,978.22         80
                                       6.500          1,978.22
    WEST GREENWICH   RI   02817          5            01/21/03         00
    0415734771                           05           03/01/03          0
1

    0415734771                           O            02/01/33
    0

    8392841          E22/G02             F           26,250.00         ZZ
                                         360         26,250.00          1
                                       7.750            188.06         75
                                       7.500            188.06
    SYLACAUGA        AL   35150          1            01/27/03         00
    0415757657                           05           03/01/03          0
    0415757657                           N            02/01/33
    0

    8392853          E22/G02             F          133,600.00         ZZ
                                         360        133,600.00          1
                                       6.375            833.49         80
                                       6.125            833.49
    FLOWER MOUND     TX   75028          5            01/22/03         00
    0415766237                           05           03/01/03          0
    0415766237                           O            02/01/33
    0

    8392855          E22/G02             F          550,000.00         T
                                         360        550,000.00          1
                                       6.500          3,476.37         62
                                       6.250          3,476.37
    LAVALLETTE       NJ   08735          5            01/27/03         00
    0415768431                           05           03/01/03          0
    0415768431                           O            02/01/33
    0

    8392857          E22/G02             F           67,500.00         ZZ
                                         360         67,500.00          1
                                       7.125            454.76         75
                                       6.875            454.76
    LOUISVILLE       KY   40219          2            01/27/03         00
    0415768662                           05           03/01/03          0
    0415768662                           N            02/01/33
    0

    8392859          E22/G02             F           94,400.00         ZZ
                                         360         94,400.00          1
                                       6.375            588.93         80
                                       6.125            588.93
    CANON CITY       CO   81212          2            01/21/03         00
    0415769819                           05           03/01/03          0
    0415769819                           O            02/01/33
    0

1

    8392863          E22/G02             F           68,000.00         ZZ
                                         360         68,000.00          1
                                       7.125            458.13         79
                                       6.875            458.13
    LOUISVILLE       KY   40219          2            01/27/03         00
    0415770460                           05           03/01/03          0
    0415770460                           N            02/01/33
    0

    8392865          E22/G02             F           71,200.00         ZZ
                                         360         71,200.00          1
                                       7.125            479.69         80
                                       6.875            479.69
    LOUISVILLE       KY   40212          2            01/27/03         00
    0415771252                           05           03/01/03          0
    0415771252                           N            02/01/33
    0

    8392867          E22/G02             F           89,000.00         ZZ
                                         360         89,000.00          1
                                       7.125            599.61         75
                                       6.875            599.61
    LOUISVILLE       KY   40223          2            01/27/03         00
    0415774587                           05           03/01/03          0
    0415774587                           N            02/01/33
    0

    8392869          E22/G02             F           94,050.00         ZZ
                                         360         94,050.00          4
                                       6.750            610.01         90
                                       6.500            610.01
    LUDINGTON        MI   49431          1            01/27/03         01
    0415775121                           05           03/01/03         25
    0415775121                           N            02/01/33
    0

    8392871          E22/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.250          1,970.30         80
                                       6.000          1,970.30
    BENICIA          CA   94510          1            01/07/03         00
    0415775436                           05           03/01/03          0
    0415775436                           O            02/01/33
    0

    8392877          E22/G02             F          102,400.00         ZZ
                                         360        102,400.00          1
                                       6.625            655.68         80
                                       6.375            655.68
1

    BIRMINGHAM       AL   35235          5            01/22/03         00
    0415779263                           05           03/01/03          0
    0415779263                           O            02/01/33
    0

    8392913          E22/G02             F           97,750.00         ZZ
                                         360         97,750.00          1
                                       6.875            642.15         85
                                       6.625            642.15
    WEST PALM BEACH  FL   33413          5            01/22/03         10
    0415810266                           05           03/01/03         12
    0415810266                           O            02/01/33
    0

    8392923          E22/G02             F          390,000.00         ZZ
                                         360        390,000.00          1
                                       6.375          2,433.09         64
                                       6.125          2,433.09
    PEORIA           AZ   85381          5            01/16/03         00
    0415816479                           05           03/01/03          0
    0415816479                           O            02/01/33
    0

    8392929          E22/G02             F          195,000.00         ZZ
                                         360        195,000.00          1
                                       6.750          1,264.77         80
                                       6.500          1,264.77
    AURORA           CO   80012          5            01/21/03         00
    0415818426                           05           03/01/03          0
    0415818426                           O            02/01/33
    0

    8392943          E22/G02             F          416,000.00         ZZ
                                         360        416,000.00          1
                                       6.125          2,527.66         65
                                       5.875          2,527.66
    MISSOULA         MT   59803          5            01/21/03         00
    0415833417                           05           03/01/03          0
    0415833417                           O            02/01/33
    0

    8392961          E22/G02             F          149,600.00         ZZ
                                         360        149,600.00          1
                                       6.500            945.57         80
                                       6.250            945.57
    REPUBLIC         MO   65738          5            01/16/03         00
    0415845841                           05           03/01/03          0
    0415845841                           O            02/01/33
    0
1

    8392965          E22/G02             F          261,250.00         ZZ
                                         360        261,250.00          1
                                       6.750          1,694.46         94
                                       6.500          1,694.46
    DOVER            NJ   07801          5            01/21/03         10
    0415849736                           05           03/01/03         30
    0415849736                           O            02/01/33
    0

    8392967          E22/G02             F          560,000.00         ZZ
                                         360        560,000.00          1
                                       6.250          3,448.02         75
                                       6.000          3,448.02
    OAK PARK         IL   60302          5            01/22/03         00
    0415850635                           05           03/01/03          0
    0415850635                           O            02/01/33
    0

    8392973          E22/G02             F           92,800.00         T
                                         360         92,800.00          1
                                       6.125            563.86         80
                                       5.875            563.86
    KEIZER           OR   97303          1            01/21/03         00
    0415852474                           05           03/01/03          0
    0415852474                           O            02/01/33
    0

    8392975          E22/G02             F          216,000.00         ZZ
                                         360        216,000.00          3
                                       6.875          1,418.97         66
                                       6.625          1,418.97
    ROSELLE PARK     NJ   07204          5            01/22/03         00
    0415854553                           05           03/01/03          0
    0415854553                           O            02/01/33
    0

    8392977          E22/G02             F          292,000.00         ZZ
                                         360        292,000.00          1
                                       6.000          1,750.69         80
                                       5.750          1,750.69
    PLACENTIA        CA   92870          2            01/11/03         00
    0415855170                           05           03/01/03          0
    0415855170                           O            02/01/33
    0

    8392995          E22/G02             F          376,000.00         ZZ
                                         360        376,000.00          1
1

                                       6.750          2,438.73         85
                                       6.500          2,438.73
    HIGHLANDS RANCH  CO   80130          2            01/22/03         01
    0415868579                           05           03/01/03         12
    0415868579                           O            02/01/33
    0

    8393023          E22/G02             F          304,000.00         ZZ
                                         360        304,000.00          1
                                       6.125          1,847.14         80
                                       5.875          1,847.14
    THAYNE           WY   83127          5            01/22/03         00
    0415924869                           05           03/01/03          0
    0415924869                           O            02/01/33
    0

    8393033          E22/G02             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       6.250          1,385.36         90
                                       6.000          1,385.36
    ELK GROVE        CA   95624          5            01/17/03         04
    0415936202                           05           03/01/03         25
    0415936202                           O            02/01/33
    0

    8393037          E22/G02             F          235,300.00         ZZ
                                         360        235,300.00          1
                                       5.875          1,391.89         74
                                       5.625          1,391.89
    SOUTH LAKE TAHO  CA   96150          2            01/17/03         00
    0415948009                           05           03/01/03          0
    0415948009                           O            02/01/33
    0

    8393049          E22/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       6.750            466.99         80
                                       6.500            466.99
    SAN ANTONIO      TX   78218          5            01/20/03         00
    0415299411                           05           03/01/03          0
    0415299411                           O            02/01/33
    0

    8393077          E82/G02             F          158,250.00         ZZ
                                         360        158,250.00          1
                                       6.375            987.27         47
                                       6.125            987.27
    ROCKLIN          CA   95765          2            01/22/03         00
    0400758322                           05           03/01/03          0
1

    1760492                              O            02/01/33
    0

    8393109          E82/G02             F          101,700.00         ZZ
                                         360        101,700.00          4
                                       6.750            659.62         37
                                       6.500            659.62
    WEST ORANGE      NJ   07052          2            01/24/03         00
    0400722245                           05           03/01/03          0
    0400722245                           O            02/01/33
    0

    8393111          E82/G02             F           88,400.00         ZZ
                                         360         88,400.00          1
                                       6.375            551.50         51
                                       6.125            551.50
    FORKED ROAD      NJ   08731          2            01/24/03         00
    0400762068                           05           03/01/03          0
    0400762068                           O            02/01/33
    0

    8393115          E82/G02             F          329,900.00         ZZ
                                         360        329,900.00          1
                                       6.625          2,112.39         75
                                       6.375          2,112.39
    STEVENSON RANCH  CA   91381          2            01/21/03         00
    0400771101                           05           03/01/03          0
    7663939                              O            02/01/33
    0

    8393143          E82/G02             F          145,300.00         ZZ
                                         360        145,300.00          1
                                       6.625            930.37         71
                                       6.375            930.37
    FORT WORTH       TX   76110          2            01/24/03         00
    0400745063                           05           03/01/03          0
    0400745063                           O            02/01/33
    0

    8393145          E82/G02             F           98,500.00         ZZ
                                         360         98,500.00          1
                                       6.375            614.51         62
                                       6.125            614.51
    RIO RANCHO       NM   87124          2            01/24/03         00
    0400763520                           05           03/01/03          0
    3232415                              O            02/01/33
    0

1

    8393151          E82/G02             F          100,700.00         ZZ
                                         360        100,700.00          1
                                       6.375            628.24         60
                                       6.125            628.24
    UKIAH            CA   95482          2            01/21/03         00
    0400755898                           05           03/01/03          0
    1676489                              O            02/01/33
    0

    8393171          E82/G02             F          368,000.00         ZZ
                                         360        368,000.00          1
                                       6.250          2,265.84         80
                                       6.000          2,265.84
    HERNDON          VA   20170          5            01/24/03         00
    0400768578                           03           03/01/03          0
    0400768578                           O            02/01/33
    0

    8393739          M27/G02             F          200,000.00         ZZ
                                         240        200,000.00          1
                                       6.375          1,476.46         79
                                       6.125          1,476.46
    WAKE FOREST      NC   27587          5            01/21/03         00
    0435297627                           05           03/01/03          0
    0100020165                           O            02/01/23
    0

    8393741          S11/G02             F          231,000.00         ZZ
                                         360        231,000.00          1
                                       6.000          1,384.96         75
                                       5.750          1,384.96
    GARDEN GROVE     CA   92840          5            01/10/03         00
    0435294525                           05           03/01/03          0
    10210341                             O            02/01/33
    0

    8393745          M27/G02             F           83,500.00         ZZ
                                         360         83,500.00          1
                                       6.375            520.93         77
                                       6.125            520.93
    WILMINGTON       NC   28411          5            01/22/03         00
    0435329933                           03           03/01/03          0
    0100025215                           O            02/01/33
    0

    8393765          S11/G02             F          152,750.00         ZZ
                                         360        152,750.00          1
                                       6.250            940.51         65
                                       6.000            940.51
1

    BELLFLOWER       CA   90706          5            01/16/03         00
    0435317474                           05           03/01/03          0
    10210584                             O            02/01/33
    0

    8393895          N74/G02             F          191,000.00         ZZ
                                         360        191,000.00          3
                                       7.250          1,302.96         85
                                       7.000          1,302.96
    WEST PALM BEACH  FL   33407          5            01/24/03         10
    0435316419                           05           03/01/03         25
    0031576010                           O            02/01/33
    0

    8393955          N34/G02             F          118,000.00         T
                                         360        118,000.00          1
                                       6.875            775.18         64
                                       6.625            775.18
    PLAINFIELD       IL   60544          5            01/21/03         00
    0435299664                           05           03/01/03          0
    97401301                             O            02/01/33
    0

    8393991          W77/G02             F          111,000.00         ZZ
                                         360        111,000.00          1
                                       6.625            710.75         74
                                       6.375            710.75
    AUSTIN           TX   78737          5            01/14/03         00
    0435299979                           05           03/01/03          0
    W0301006                             O            02/01/33
    0

    8394069          Q14/G02             F          232,200.00         ZZ
                                         360        232,200.00          1
                                       6.250          1,429.70         78
                                       6.000          1,429.70
    SCOTTSDALE       AZ   85260          2            01/21/03         00
    0435285077                           05           03/01/03          0
    00000311016                          O            02/01/33
    0

    8394093          T09/G02             F          123,750.00         ZZ
                                         360        123,750.00          1
                                       6.375            772.04         75
                                       6.125            772.04
    SANTA MARIA      CA   93455          1            01/16/03         00
    0435319934                           01           03/01/03          0
    2002237300                           N            02/01/33
    0
1

    8394097          A21/G02             F          239,500.00         ZZ
                                         360        239,500.00          1
                                       6.500          1,513.81         80
                                       6.250          1,513.81
    BERGENFIELD      NJ   07621          2            01/17/03         00
    0435294020                           05           03/01/03          0
    0100134103                           O            02/01/33
    0

    8394107          T09/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.500          2,022.62         80
                                       6.250          2,022.62
    NIPOMO           CA   93444          1            01/09/03         00
    0435305842                           05           03/01/03          0
    2002260000                           N            02/01/33
    0

    8394117          U87/G02             F          431,000.00         ZZ
                                         360        431,000.00          1
                                       6.625          2,759.74         75
                                       6.375          2,759.74
    LAKE FOREST      CA   92679          5            01/24/03         00
    0435325477                           03           03/01/03          0
    4920                                 O            02/01/33
    0

    8394131          R26/G02             F          322,700.00         T
                                         360        322,700.00          1
                                       6.125          1,960.76         48
                                       5.875          1,960.76
    THE DALLES       OR   97058          5            01/10/03         00
    0435286067                           05           03/01/03          0
    0005764000                           O            02/01/33
    0

    8394189          G51/G02             F          168,000.00         ZZ
                                         360        168,000.00          1
                                       6.375          1,048.11         70
                                       6.125          1,048.11
    CENTENIAL        CO   80121          5            01/23/03         00
    0435334040                           03           03/01/03          0
    11000152                             O            02/01/33
    0

    8394219          E77/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
1

                                       6.750          1,556.64         80
                                       6.500          1,556.64
    CROFTON          MD   21114          5            01/15/03         00
    0435305537                           05           03/01/03          0
    1080002952                           O            02/01/33
    0

    8394245          U19/G02             F          207,000.00         ZZ
                                         360        207,000.00          1
                                       6.375          1,291.41         80
                                       6.125          1,291.41
    GILBERT          AZ   85296          2            01/02/03         00
    0435340955                           03           03/01/03          0
    0212200002                           O            02/01/33
    0

    8394305          A52/G02             F          114,300.00         ZZ
                                         360        114,300.00          1
                                       7.500            799.20         90
                                       7.250            799.20
    ATLANTA          GA   30308          1            01/24/03         11
    0435295019                           01           03/01/03         25
    23114                                N            02/01/33
    0

    8394413          H81/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       7.125            727.62         80
                                       6.875            727.62
    WEST ALLIS       WI   53214          5            01/16/03         00
    0435303987                           05           03/01/03          0
    WH17671                              O            02/01/33
    0

    8394455          W51/G02             F          121,500.00         ZZ
                                         360        121,412.06          1
                                       7.625            859.97         90
                                       7.375            859.97
    STONE MOUNTAIN   GA   30087          1            12/20/02         10
    0435297239                           05           02/01/03         30
    6814                                 N            01/01/33
    0

    8394471          K15/G02             F          102,400.00         ZZ
                                         360        102,400.00          1
                                       7.500            716.00         90
                                       7.250            716.00
    BOISE            ID   83704          5            01/13/03         41
    0435298757                           05           03/01/03         25
1

    0301505709                           O            02/01/33
    0

    8394491          L20/G02             F          322,400.00         ZZ
                                         360        322,400.00          1
                                       6.000          1,932.95         80
                                       5.750          1,932.95
    EAGLE            ID   83616          5            01/22/03         00
    0435303763                           05           03/01/03          0
    11581120625                          O            02/01/33
    0

    8394577          U05/G02             F          358,500.00         ZZ
                                         360        358,500.00          1
                                       7.250          2,445.60         77
                                       7.000          2,445.60
    NEW BRAUNFELS    TX   78130          5            01/15/03         00
    0435316716                           05           03/01/03          0
    3294435                              O            02/01/33
    0

    8394579          P59/G02             F          126,675.00         ZZ
                                         360        126,573.70          4
                                       7.125            853.43         90
                                       6.875            853.43
    BAKERSFIELD      CA   93308          1            12/30/02         01
    0435294343                           05           02/01/03         25
    005169                               N            01/01/33
    0

    8394595          F89/G02             F          247,200.00         ZZ
                                         360        247,200.00          1
                                       6.750          1,603.33         80
                                       6.500          1,603.33
    FULLERTON        CA   92833          5            01/16/03         00
    0435307137                           05           03/01/03          0
    25090                                O            02/01/33
    0

    8394615          S27/G02             F          117,000.00         ZZ
                                         360        117,000.00          1
                                       7.000            778.41         75
                                       6.750            778.41
    WASHINGTON       DC   20002          5            01/23/03         00
    0435305412                           05           03/01/03          0
    1020006039                           N            02/01/33
    0

1

    8394617          F89/G02             F          406,000.00         ZZ
                                         360        406,000.00          1
                                       6.125          2,466.90         80
                                       5.875          2,466.90
    SANTA CLARITA    CA   91354          2            01/15/03         00
    0435311196                           03           03/01/03          0
    16826937                             O            02/01/33
    0

    8394739          A06/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       7.250            613.96         79
                                       7.000            613.96
    SOUTHFIELD       MI   48034          2            01/21/03         00
    0435313036                           05           03/01/03          0
    021000020232575                      O            02/01/33
    0

    8395181          E22/G02             F          126,000.00         ZZ
                                         360        126,000.00          1
                                       6.500            796.41         72
                                       6.250            796.41
    SAN DIEGO        CA   92154          5            01/17/03         00
    0415569011                           01           03/01/03          0
    0415569011                           O            02/01/33
    0

    8395207          E22/G02             F          204,800.00         ZZ
                                         360        204,627.94          1
                                       6.875          1,345.39         80
                                       6.625          1,345.39
    DEXTER           MI   48130          1            12/27/02         00
    0415674183                           05           02/01/03          0
    0415674183                           N            01/01/33
    0

    8395217          E22/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       6.375            748.64         54
                                       6.125            748.64
    KENT             WA   98032          5            01/21/03         00
    0415707454                           05           03/01/03          0
    0415707454                           O            02/01/33
    0

    8395221          E22/G02             F          365,000.00         ZZ
                                         360        365,000.00          1
                                       6.000          2,188.36         75
                                       5.750          2,188.36
1

    ROXBURY TOWNSHI  NJ   07876          5            01/23/03         00
    0415711456                           05           03/01/03          0
    0415711456                           O            02/01/33
    0

    8395241          E22/G02             F          600,000.00         ZZ
                                         360        600,000.00          1
                                       6.250          3,694.30         80
                                       6.000          3,694.30
    ALLEN            TX   75002          5            01/22/03         00
    0415746775                           05           03/01/03          0
    0415746775                           O            02/01/33
    0

    8395255          E22/G02             F           37,875.00         ZZ
                                         360         37,875.00          1
                                       7.750            271.34         75
                                       7.500            271.34
    MONTGOMERY       AL   36105          2            01/28/03         00
    0415765924                           05           03/01/03          0
    0415765924                           N            02/01/33
    0

    8395259          E22/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       6.375            449.19         90
                                       6.125            449.19
    NEW ORLEANS      LA   70117          2            01/27/03         01
    0415778497                           05           03/01/03         25
    0415778497                           N            02/01/33
    0

    8395261          E22/G02             F          117,000.00         ZZ
                                         360        117,000.00          1
                                       6.250            720.39         90
                                       6.000            720.39
    WEST JORDAN      UT   84084          2            01/23/03         04
    0415782002                           05           03/01/03         25
    0415782002                           N            02/01/33
    0

    8395263          E22/G02             F          132,300.00         ZZ
                                         360        132,300.00          1
                                       6.250            814.59         90
                                       6.000            814.59
    WEST JORDAN      UT   84084          2            01/23/03         04
    0415782069                           05           03/01/03         25
    0415782069                           N            02/01/33
    0
1

    8395265          E22/G02             F          114,000.00         ZZ
                                         360        114,000.00          1
                                       7.500            797.10         87
                                       7.250            797.10
    LEE'S SUMMIT     MO   64086          2            01/23/03         01
    0415782127                           05           03/01/03         25
    0415782127                           O            02/01/33
    0

    8395269          E22/G02             F          120,600.00         ZZ
                                         360        120,600.00          1
                                       6.250            742.55         90
                                       6.000            742.55
    WEST JORDAN      UT   84084          2            01/23/03         04
    0415782341                           05           03/01/03         25
    0415782341                           N            02/01/33
    0

    8395271          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.250            664.97         90
                                       6.000            664.97
    WEST VALLEY CIT  UT   84128          2            01/23/03         04
    0415782598                           05           03/01/03         25
    0415782598                           N            02/01/33
    0

    8395273          E22/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.375          1,996.38         78
                                       6.125          1,996.38
    AUSTIN           TX   78746          5            01/23/03         00
    0415785484                           05           03/01/03          0
    0415785484                           O            02/01/33
    0

    8395275          E22/G02             F          102,600.00         T
                                         360        102,600.00          1
                                       7.000            682.60         85
                                       6.750            682.60
    POMPANO BEACH    FL   33068          1            01/27/03         04
    0415787969                           05           03/01/03         20
    0415787969                           O            02/01/33
    0

    8395279          E22/G02             F          218,000.00         ZZ
                                         240        218,000.00          1
1

                                       6.500          1,625.35         62
                                       6.250          1,625.35
    WEST ORANGE      NJ   07052          5            01/23/03         00
    0415792183                           05           03/01/03          0
    0415792183                           O            02/01/23
    0

    8395283          E22/G02             F          297,000.00         ZZ
                                         360        297,000.00          1
                                       6.500          1,877.24         90
                                       6.250          1,877.24
    RIVERSIDE        CA   92501          1            01/09/03         04
    0415793512                           05           03/01/03         25
    0415793512                           O            02/01/33
    0

    8395285          E22/G02             F          117,600.00         ZZ
                                         360        117,600.00          1
                                       6.250            724.08         80
                                       6.000            724.08
    SAINT CHARLES    MO   63303          5            01/23/03         00
    0415800432                           05           03/01/03          0
    0415800432                           O            02/01/33
    0

    8395291          E22/G02             F           85,000.00         ZZ
                                         360         85,000.00          1
                                       6.375            530.29         43
                                       6.125            530.29
    WATSONVILLE      CA   95076          5            01/21/03         00
    0415814284                           05           03/01/03          0
    0415814284                           N            02/01/33
    0

    8395301          E22/G02             F          270,000.00         ZZ
                                         360        270,000.00          2
                                       6.250          1,662.44         68
                                       6.000          1,662.44
    CHULA VISTA      CA   91910          5            01/22/03         00
    0415826767                           05           03/01/03          0
    0415826767                           O            02/01/33
    0

    8395305          E22/G02             F          169,600.00         ZZ
                                         360        169,600.00          1
                                       6.250          1,044.26         80
                                       6.000          1,044.26
    HARWOOD HEIGHTS  IL   60706          1            01/28/03         00
    0415831593                           05           03/01/03          0
1

    0415831593                           O            02/01/33
    0

    8395307          E22/G02             F          130,000.00         ZZ
                                         360        130,000.00          1
                                       6.500            821.69         57
                                       6.250            821.69
    SAN DIEGO        CA   92126          5            01/15/03         00
    0415843671                           01           03/01/03          0
    0415843671                           O            02/01/33
    0

    8395319          E22/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       5.875            851.81         90
                                       5.625            851.81
    GATLINBURG       TN   37738          1            01/28/03         04
    0415854264                           05           03/01/03         25
    0415854264                           O            02/01/33
    0

    8395331          E22/G02             F          247,000.00         ZZ
                                         360        247,000.00          1
                                       6.250          1,520.82         71
                                       6.000          1,520.82
    SAN LEANDRO      CA   94577          5            01/10/03         00
    0415860774                           05           03/01/03          0
    0415860774                           O            02/01/33
    0

    8395343          E22/G02             F          281,000.00         ZZ
                                         360        281,000.00          1
                                       6.750          1,822.56         74
                                       6.500          1,822.56
    LIVERMORE        CA   94550          5            01/16/03         00
    0415873249                           05           03/01/03          0
    0415873249                           O            02/01/33
    0

    8395349          E22/G02             F          374,000.00         ZZ
                                         360        374,000.00          1
                                       6.250          2,302.78         70
                                       6.000          2,302.78
    SAN FRANCISCO    CA   94124          5            01/17/03         00
    0415878289                           09           03/01/03          0
    0415878289                           O            02/01/33
    0

1

    8395367          E22/G02             F           56,000.00         ZZ
                                         360         56,000.00          1
                                       7.750            401.19         80
                                       7.500            401.19
    MONTGOMERY       AL   36111          2            01/28/03         00
    0415898360                           05           03/01/03          0
    0415898360                           N            02/01/33
    0

    8395371          E22/G02             F          126,400.00         ZZ
                                         360        126,400.00          1
                                       6.250            778.27         80
                                       6.000            778.27
    DAYTON           NV   89403          1            01/22/03         00
    0415903434                           05           03/01/03          0
    0415903434                           O            02/01/33
    0

    8395375          E22/G02             F          183,000.00         ZZ
                                         360        183,000.00          1
                                       6.375          1,141.68         80
                                       6.125          1,141.68
    CASTLE ROCK      CO   80104          5            01/23/03         00
    0415911551                           05           03/01/03          0
    0415911551                           O            02/01/33
    0

    8395383          E22/G02             F          100,800.00         ZZ
                                         360        100,800.00          1
                                       6.500            637.12         80
                                       6.250            637.12
    CASPER           WY   82604          5            01/17/03         00
    0415921212                           05           03/01/03          0
    0415921212                           O            02/01/33
    0

    8395385          E22/G02             F          122,400.00         ZZ
                                         360        122,400.00          2
                                       6.875            804.08         80
                                       6.625            804.08
    OREM             UT   84057          2            01/23/03         00
    0415923473                           05           03/01/03          0
    0415923473                           N            02/01/33
    0

    8395387          E22/G02             F          264,600.00         ZZ
                                         360        264,600.00          2
                                       6.500          1,672.45         70
                                       6.250          1,672.45
1

    UNION CITY       NJ   07087          5            01/23/03         00
    0415924018                           05           03/01/03          0
    0415924018                           O            02/01/33
    0

    8395391          E22/G02             F          295,000.00         ZZ
                                         360        295,000.00          1
                                       6.250          1,816.37         63
                                       6.000          1,816.37
    SAN FRANCISCO    CA   94112          1            01/21/03         00
    0415926039                           07           03/01/03          0
    0415926039                           O            02/01/33
    0

    8395397          E22/G02             F          278,350.00         ZZ
                                         360        278,350.00          1
                                       7.750          1,994.13         95
                                       7.500          1,994.13
    ORLANDO          FL   32825          1            01/28/03         01
    0415939933                           03           03/01/03         35
    0415939933                           O            02/01/33
    0

    8395401          E22/G02             F           30,000.00         ZZ
                                         360         30,000.00          1
                                       6.875            197.08         31
                                       6.625            197.08
    ORLANDO          FL   32806          5            01/23/03         00
    0415958826                           05           03/01/03          0
    0415958826                           O            02/01/33
    0

    8395405          E22/G02             F          375,000.00         ZZ
                                         360        375,000.00          1
                                       6.500          2,370.26         52
                                       6.250          2,370.26
    CLEMENTS         CA   95227          2            01/18/03         00
    0415962711                           05           03/01/03          0
    0415962711                           O            02/01/33
    0

    8395623          E82/G02             F           57,500.00         ZZ
                                         360         57,500.00          1
                                       6.875            377.73         80
                                       6.625            377.73
    JACKSONVILLE     FL   32210          2            01/28/03         00
    0400767125                           05           03/01/03          0
    3085013                              N            02/01/33
    0
1

    8395651          E82/G02             F          283,500.00         ZZ
                                         360        283,500.00          1
                                       6.375          1,768.67         66
                                       6.125          1,768.67
    ALAMEDA          CA   94501          2            01/24/03         00
    0400745667                           05           03/01/03          0
    1778823                              N            02/01/33
    0

    8395777          E76/G02             F           66,600.00         ZZ
                                         360         66,600.00          2
                                       7.500            465.68         90
                                       7.250            465.68
    NEW ORLEANS      LA   70119          2            01/23/03         04
    0435332671                           05           03/01/03         25
    10019962                             N            02/01/33
    0

    8395785          967/G02             F          272,000.00         ZZ
                                         360        272,000.00          1
                                       6.250          1,674.75         80
                                       6.000          1,674.75
    AUBURN           WA   98092          1            01/21/03         00
    0435299185                           05           03/01/03          0
    5951934                              O            02/01/33
    0

    8395861          N47/G02             F          344,000.00         ZZ
                                         360        344,000.00          1
                                       6.375          2,146.11         80
                                       6.125          2,146.11
    SAN JOSE         CA   95111          5            01/14/03         00
    0435333745                           05           03/01/03          0
    20500913                             O            02/01/33
    0

    8395873          U05/G02             F          337,000.00         ZZ
                                         360        337,000.00          1
                                       6.125          2,047.65         90
                                       5.875          2,047.65
    MANASSAS         VA   20111          5            01/20/03         04
    0435322474                           03           03/01/03         25
    3299500                              O            02/01/33
    0

    8396691          U05/G02             F          305,000.00         ZZ
                                         360        305,000.00          1
1

                                       6.250          1,877.94         68
                                       6.000          1,877.94
    SAN BRUNO        CA   94066          2            01/06/03         00
    0435319181                           05           03/01/03          0
    3296462                              O            02/01/33
    0

    8396737          944/G02             F           52,800.00         ZZ
                                         360         52,478.66          1
                                       7.375            364.68         80
                                       7.125            364.68
    SOUTH BEND       IN   46613          1            10/25/02         00
    0435315593                           05           12/01/02          0
    W02024332                            N            11/01/32
    0

    8396805          U05/G02             F          388,000.00         ZZ
                                         360        388,000.00          1
                                       6.625          2,484.41         80
                                       6.375          2,484.41
    VACAVILLE        CA   95688          2            01/03/03         00
    0435319025                           05           03/01/03          0
    3295116                              O            02/01/33
    0

    8396807          A50/G02             F          160,160.00         ZZ
                                         360        160,160.00          1
                                       6.250            986.13         80
                                       6.000            986.13
    OZARK            AL   36360          5            01/16/03         00
    0435329891                           05           03/01/03          0
    942092                               O            02/01/33
    0

    8396829          E47/G02             F          275,000.00         ZZ
                                         360        275,000.00          1
                                       6.250          1,693.22         80
                                       6.000          1,693.22
    LAKEPORT         CA   95453          5            01/14/03         00
    0435315072                           05           03/01/03          0
    7331014745                           O            02/01/33
    0

    8396841          R26/G02             F           76,500.00         ZZ
                                         360         76,500.00          1
                                       6.500            483.53         90
                                       6.250            483.53
    SPRINGRIELD      MA   01105          2            01/22/03         12
    0435316484                           05           03/01/03         25
1

    0005552000                           N            02/01/33
    0

    8396843          E47/G02             F          154,850.00         ZZ
                                         360        154,850.00          1
                                       6.750          1,004.35         95
                                       6.500          1,004.35
    MADERA           CA   93637          1            12/30/02         11
    0435304571                           05           03/01/03         30
    7359512643                           O            02/01/33
    0

    8396851          F36/G02             F           64,600.00         ZZ
                                         360         64,600.00          1
                                       6.500            408.32         81
                                       6.250            408.32
    EPHRATA          WA   98823          1            01/22/03         14
    0435305321                           05           03/01/03         12
    06405657                             O            02/01/33
    0

    8396857          P30/G02             F          248,000.00         ZZ
                                         360        248,000.00          1
                                       6.250          1,526.98         66
                                       6.000          1,526.98
    HIGH POINT       NC   27265          2            01/22/03         00
    0435315114                           05           03/01/03          0
    0655816                              O            02/01/33
    0

    8396871          U85/G02             F           38,000.00         ZZ
                                         360         38,000.00          3
                                       7.625            268.96         95
                                       7.375            268.96
    MILWAUKEE        WI   53210          1            01/15/03         10
    0435305305                           05           03/01/03         30
    10056                                O            02/01/33
    0

    8396897          X82/G02             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       6.250            467.95         80
                                       6.000            467.95
    WARRENTON        VA   20186          1            01/24/03         00
    0435293345                           07           03/01/03          0
    848585                               N            02/01/33
    0

1

    8396929          M07/G02             F          106,500.00         ZZ
                                         360        106,500.00          1
                                       7.250            726.52         75
                                       7.000            726.52
    RIVERSIDE        CA   92504          5            01/14/03         00
    0435344437                           05           03/01/03          0
    02212234                             N            02/01/33
    0

    8396935          W34/G02             F          165,750.00         ZZ
                                         360        165,750.00          1
                                       6.250          1,020.55         75
                                       6.000          1,020.55
    EUGENE           OR   97403          5            01/25/03         00
    0435329701                           05           03/01/03          0
    0668414                              O            02/01/33
    0

    8396987          N74/G02             F          109,250.00         ZZ
                                         360        109,151.24          1
                                       6.500            690.53         95
                                       6.250            690.53
    WILKESBORO       NC   28697          5            01/06/03         10
    0435316492                           05           02/10/03         30
    0031488010                           O            01/10/33
    0

    8397039          T23/G02             F           58,500.00         ZZ
                                         360         58,500.00          2
                                       7.625            414.06         90
                                       7.375            414.06
    CINCINNATI       OH   45225          1            01/16/03         10
    0435305081                           05           03/01/03         25
    5973                                 N            02/01/33
    0

    8397059          950/G02             F          127,500.00         ZZ
                                         360        127,500.00          1
                                       6.500            805.89         85
                                       6.250            805.89
    LAKEWOOD         WA   98499          5            01/14/03         14
    0435323167                           05           03/01/03         12
    EW2C425                              O            02/01/33
    0

    8397077          253/253             F          268,000.00         ZZ
                                         360        268,000.00          2
                                       7.500          1,873.89         80
                                       7.250          1,873.89
1

    CAPE CORAL       FL   33904          1            01/10/03         00
    452575                               05           03/01/03          0
    452575                               N            02/01/33
    0

    8397081          U19/G02             F          173,850.00         ZZ
                                         360        173,850.00          1
                                       6.000          1,042.32         95
                                       5.750          1,042.32
    ANTHEM           AZ   85086          1            01/16/03         01
    0435312897                           03           03/01/03         30
    11000211                             O            02/01/33
    0

    8397103          U19/G02             F          266,000.00         ZZ
                                         360        266,000.00          1
                                       6.500          1,681.30         95
                                       6.250          1,681.30
    SCOTTSDALE       AZ   85255          2            01/15/03         01
    0435312871                           03           03/01/03         30
    11000203                             O            02/01/33
    0

    8397305          T08/G02             F          180,000.00         ZZ
                                         360        179,484.96          1
                                       6.250          1,108.29         59
                                       6.000          1,108.29
    PALATINA         IL   60067          5            10/09/02         00
    0435285481                           05           12/01/02          0
    13210229                             O            11/01/32
    0

    8397391          T08/G02             F           34,000.00         ZZ
                                         360         33,975.39          1
                                       7.625            240.65         56
                                       7.375            240.65
    MULBERRY         FL   33860          2            12/18/02         00
    0435285572                           01           02/01/03          0
    11062093                             N            01/01/33
    0

    8397579          L76/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       5.750          1,750.72         53
                                       5.500          1,750.72
    PRIOR LAKE       MN   55372          5            01/27/03         00
    0435301973                           05           03/01/03          0
    9507487                              O            02/01/33
    0
1

    8397819          E82/G02             F          110,400.00         ZZ
                                         360        110,400.00          1
                                       6.375            688.75         51
                                       6.125            688.75
    SEBASTOPOL       CA   95472          2            01/24/03         00
    0400761763                           01           03/01/03          0
    1711460                              O            02/01/33
    0

    8397851          E82/G02             F          120,000.00         ZZ
                                         360        120,000.00          1
                                       6.125            729.13         80
                                       5.875            729.13
    MOUNTAIN VIEW    CA   94043          2            01/24/03         00
    0400770434                           01           03/01/03          0
    5678148                              O            02/01/33
    0

    8397877          E82/G02             F           50,000.00         ZZ
                                         360         50,000.00          1
                                       6.875            328.46         61
                                       6.625            328.46
    TUCSON           AZ   85711          5            01/27/03         00
    0400752168                           05           03/01/03          0
    0400752168                           O            02/01/33
    0

    8397967          E82/G02             F          110,000.00         ZZ
                                         360        110,000.00          1
                                       6.250            677.29         62
                                       6.000            677.29
    LAS VEGAS        NV   89110          2            01/27/03         00
    0400772984                           05           03/01/03          0
    1599253                              O            02/01/33
    0

    8397973          E82/G02             F          107,100.00         ZZ
                                         360        107,100.00          1
                                       6.375            668.16         43
                                       6.125            668.16
    RANCHO MIRAGE    CA   92270          2            01/24/03         00
    0400750931                           05           03/01/03          0
    1735808                              O            02/01/33
    0

    8397989          E82/G02             F           78,300.00         ZZ
                                         360         78,300.00          1
1

                                       6.375            488.49         70
                                       6.125            488.49
    LA HABRA         CA   90631          2            01/24/03         00
    0400765236                           01           03/01/03          0
    3680310                              O            02/01/33
    0

    8398021          E82/G02             F          107,000.00         ZZ
                                         360        107,000.00          1
                                       6.250            658.82         90
                                       6.000            658.82
    LAWRENCE         KS   66046          2            01/27/03         10
    0400761540                           05           03/01/03         25
    4712348                              O            02/01/33
    0

    8398041          E82/G02             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       6.375          1,403.71         55
                                       6.125          1,403.71
    CHULA VISTA      CA   91915          5            01/24/03         00
    0400758611                           03           03/01/03          0
    0400758611                           O            02/01/33
    0

    8398059          E22/G02             F          183,700.00         ZZ
                                         360        183,700.00          1
                                       6.875          1,206.78         75
                                       6.625          1,206.78
    GOLDEN           CO   80403          2            01/28/03         00
    0415515600                           05           03/01/03          0
    0415515600                           N            02/01/33
    0

    8398075          E22/G02             F          328,000.00         ZZ
                                         360        328,000.00          1
                                       6.375          2,046.29         80
                                       6.125          2,046.29
    ELMONT           NY   11003          5            01/24/03         00
    0415598879                           05           03/01/03          0
    0415598879                           O            02/01/33
    0

    8398089          E22/G02             F           97,600.00         ZZ
                                         360         97,600.00          1
                                       6.500            616.90         80
                                       6.250            616.90
    HOUSTON          TX   77064          5            01/24/03         00
    0415662642                           03           03/01/03          0
1

    0415662642                           O            02/01/33
    0

    8398093          E22/G02             F           90,000.00         ZZ
                                         360         90,000.00          1
                                       6.750            583.74         87
                                       6.500            583.74
    NORTHPORT        AL   35476          2            01/24/03         10
    0415666833                           05           03/01/03         25
    0415666833                           O            02/01/33
    0

    8398107          E22/G02             F          186,000.00         ZZ
                                         360        186,000.00          1
                                       6.125          1,130.16         74
                                       5.875          1,130.16
    CLOVERDALE       CA   95425          2            01/21/03         00
    0415796622                           05           03/01/03          0
    0415796622                           O            02/01/33
    0

    8398113          E22/G02             F           80,000.00         ZZ
                                         360         80,000.00          1
                                       6.250            492.57         49
                                       6.000            492.57
    TACOMA           WA   98407          1            01/15/03         00
    0415805860                           05           03/01/03          0
    0415805860                           N            02/01/33
    0

    8398121          E22/G02             F          135,750.00         ZZ
                                         360        135,750.00          1
                                       6.250            835.84         75
                                       6.000            835.84
    SALT LAKE CITY   UT   84116          2            01/21/03         00
    0415816057                           05           03/01/03          0
    0415816057                           N            02/01/33
    0

    8398123          E22/G02             F          132,944.00         ZZ
                                         360        132,944.00          1
                                       6.250            818.56         76
                                       6.000            818.56
    SALT LAKE CITY   UT   84116          2            01/21/03         00
    0415816164                           05           03/01/03          0
    0415816164                           N            02/01/33
    0

1

    8398125          E22/G02             F          172,000.00         ZZ
                                         360        172,000.00          1
                                       6.250          1,059.03         80
                                       6.000          1,059.03
    CORVALLIS        OR   97333          1            01/24/03         00
    0415817873                           03           03/01/03          0
    0415817873                           O            02/01/33
    0

    8398157          E22/G02             F           92,000.00         ZZ
                                         360         92,000.00          1
                                       6.500            581.50         80
                                       6.250            581.50
    CINCINNATI       OH   45213          5            01/24/03         00
    0415880186                           05           03/01/03          0
    0415880186                           O            02/01/33
    0

    8398159          E22/G02             F           60,000.00         ZZ
                                         360         60,000.00          1
                                       6.500            379.24         80
                                       6.250            379.24
    FORT WORTH       TX   76103          5            01/24/03         00
    0415881176                           05           03/01/03          0
    0415881176                           O            02/01/33
    0

    8398165          E22/G02             F          460,000.00         ZZ
                                         360        460,000.00          2
                                       6.250          2,832.30         80
                                       6.000          2,832.30
    CASTRO VALLEY    CA   94546          1            01/18/03         00
    0415886860                           05           03/01/03          0
    0415886860                           O            02/01/33
    0

    8398169          E22/G02             F           85,500.00         ZZ
                                         360         85,500.00          1
                                       6.375            533.41         49
                                       6.125            533.41
    SACRAMENTO       CA   95842          2            01/21/03         00
    0415888338                           05           03/01/03          0
    0415888338                           N            02/01/33
    0

    8398171          E22/G02             F          127,000.00         ZZ
                                         360        127,000.00          1
                                       6.250            781.96         61
                                       6.000            781.96
1

    LAKEWOOD         CA   90715          2            01/23/03         00
    0415891670                           01           03/01/03          0
    0415891670                           O            02/01/33
    0

    8398173          E22/G02             F           97,500.00         ZZ
                                         360         97,500.00          1
                                       6.375            608.27         49
                                       6.125            608.27
    ORANGEVALE       CA   95662          2            01/21/03         00
    0415892116                           05           03/01/03          0
    0415892116                           N            02/01/33
    0

    8398177          E22/G02             F           62,700.00         ZZ
                                         360         62,700.00          1
                                       6.375            391.17         47
                                       6.125            391.17
    NORTH HIGHLANDS  CA   95660          2            01/21/03         00
    0415892629                           05           03/01/03          0
    0415892629                           N            02/01/33
    0

    8398179          E22/G02             F           88,000.00         ZZ
                                         360         88,000.00          1
                                       6.375            549.01         48
                                       6.125            549.01
    ANTELOPE         CA   95843          2            01/21/03         00
    0415892934                           05           03/01/03          0
    0415892934                           N            02/01/33
    0

    8398189          E22/G02             F           92,700.00         ZZ
                                         360         92,700.00          2
                                       6.875            608.97         90
                                       6.625            608.97
    HOUSTON          TX   77026          1            01/27/03         01
    0415935709                           05           03/01/03         25
    0415935709                           N            02/01/33
    0

    8398197          E22/G02             F           46,875.00         ZZ
                                         360         46,875.00          1
                                       7.750            335.82         75
                                       7.500            335.82
    PARK CITY        UT   84098          1            01/23/03         00
    0415939974                           01           03/01/03          0
    0415939974                           N            02/01/33
    0
1

    8398199          E22/G02             F          158,300.00         ZZ
                                         360        158,300.00          1
                                       6.625          1,013.61         57
                                       6.375          1,013.61
    KINGS BEACH      CA   96143          2            01/16/03         00
    0415941319                           05           03/01/03          0
    0415941319                           N            02/01/33
    0

    8398201          E22/G02             F          104,000.00         ZZ
                                         360        104,000.00          1
                                       6.625            665.92         80
                                       6.375            665.92
    EVANS            CO   80620          1            01/29/03         00
    0415942069                           05           03/01/03          0
    0415942069                           N            02/01/33
    0

    8398213          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.500            632.07         73
                                       6.250            632.07
    FRESNO           CA   93722          5            01/22/03         00
    0415965250                           05           03/01/03          0
    0415965250                           N            02/01/33
    0

    8398217          E22/G02             F          352,000.00         ZZ
                                         360        352,000.00          1
                                       6.375          2,196.02         69
                                       6.125          2,196.02
    ROCK ISLAND      WA   98850          5            01/21/03         00
    0415967785                           05           03/01/03          0
    0415967785                           O            02/01/33
    0

    8398273          E22/G02             F          322,500.00         ZZ
                                         360        322,500.00          1
                                       6.250          1,985.69         68
                                       6.000          1,985.69
    SANTA FE         NM   87505          2            01/17/03         00
    0415714674                           05           03/01/03          0
    0415714674                           O            02/01/33
    0

    8398279          E22/G02             F          320,000.00         ZZ
                                         360        320,000.00          1
1

                                       6.250          1,970.30         80
                                       6.000          1,970.30
    GRASS VALLEY     CA   95949          5            01/22/03         00
    0415732486                           05           03/01/03          0
    0415732486                           O            02/01/33
    0

    8398283          E22/G02             F          148,500.00         ZZ
                                         360        148,500.00          2
                                       7.000            987.97         90
                                       6.750            987.97
    NEW ORLEANS      LA   70119          1            01/29/03         04
    0415742360                           05           03/01/03         30
    0415742360                           N            02/01/33
    0

    8398285          E22/G02             F           68,000.00         ZZ
                                         360         68,000.00          1
                                       7.250            463.88         80
                                       7.000            463.88
    ALVIN            TX   77511          1            01/29/03         00
    0415742477                           05           03/01/03          0
    0415742477                           N            02/01/33
    0

    8398291          E22/G02             F          184,000.00         ZZ
                                         360        184,000.00          1
                                       7.750          1,318.20         80
                                       7.500          1,318.20
    ROUND LAKE       IL   60073          2            01/24/03         00
    0415760461                           05           03/01/03          0
    0415760461                           O            02/01/33
    0

    8398293          E22/G02             F          228,000.00         ZZ
                                         360        228,000.00          1
                                       6.250          1,403.84         80
                                       6.000          1,403.84
    PLEASANT GROVE   UT   84062          2            01/23/03         00
    0415761493                           05           03/01/03          0
    0415761493                           O            02/01/33
    0

    8398303          E22/G02             F           86,400.00         ZZ
                                         360         86,400.00          1
                                       6.500            546.11         80
                                       6.250            546.11
    LEICESTER        NC   28748          5            01/24/03         00
    0415774694                           05           03/01/03          0
1

    0415774694                           O            02/01/33
    0

    8398307          E22/G02             F          140,800.00         ZZ
                                         360        140,800.00          1
                                       6.250            866.93         80
                                       6.000            866.93
    SALT LAKE CITY   UT   84116          2            01/21/03         00
    0415775196                           05           03/01/03          0
    0415775196                           N            02/01/33
    0

    8398309          E22/G02             F          157,500.00         ZZ
                                         360        157,500.00          1
                                       6.750          1,021.54         90
                                       6.500          1,021.54
    SALT LAKE CITY   UT   84101          5            01/23/03         04
    0415780113                           06           03/01/03         25
    0415780113                           O            02/01/33
    0

    8398311          E22/G02             F          119,000.00         ZZ
                                         360        119,000.00          1
                                       6.375            742.41         85
                                       6.125            742.41
    MONROE           MI   48161          5            01/14/03         04
    0415829381                           05           03/01/03         12
    0415829381                           O            02/01/33
    0

    8398319          E22/G02             F          101,200.00         ZZ
                                         360        101,200.00          2
                                       7.250            690.36         88
                                       7.000            690.36
    ENGLEWOOD        FL   34224          2            01/24/03         11
    0415835198                           05           03/01/03         25
    0415835198                           O            02/01/33
    0

    8398321          E22/G02             F          147,000.00         ZZ
                                         360        147,000.00          2
                                       7.250          1,002.80         63
                                       7.000          1,002.80
    WEST NEW YORK    NJ   07093          5            01/24/03         00
    0415835263                           05           03/01/03          0
    0415835263                           O            02/01/33
    0

1

    8398323          E22/G02             F          235,000.00         ZZ
                                         360        235,000.00          1
                                       6.375          1,466.09         70
                                       6.125          1,466.09
    AUBURN           CA   95602          2            01/23/03         00
    0415835594                           05           03/01/03          0
    0415835594                           O            02/01/33
    0

    8398331          E22/G02             F          253,150.00         ZZ
                                         360        253,150.00          1
                                       6.750          1,641.93         85
                                       6.500          1,641.93
    MADISON          MS   39110          5            01/24/03         04
    0415840016                           05           03/01/03         12
    0415840016                           O            02/01/33
    0

    8398335          E22/G02             F          101,600.00         ZZ
                                         360        101,600.00          1
                                       6.375            633.85         79
                                       6.125            633.85
    LEANDER          TX   78641          5            01/24/03         00
    0415844158                           05           03/01/03          0
    0415844158                           O            02/01/33
    0

    8398349          E22/G02             F          342,000.00         ZZ
                                         360        342,000.00          1
                                       6.875          2,246.70         90
                                       6.625          2,246.70
    POMONA           NY   10970          1            01/29/03         01
    0415854827                           05           03/01/03         30
    0415854827                           O            02/01/33
    0

    8398365          E22/G02             F          121,000.00         ZZ
                                         360        121,000.00          1
                                       6.250            745.02         59
                                       6.000            745.02
    PORTLAND         OR   97211          2            01/17/03         00
    0415903830                           05           03/01/03          0
    0415903830                           N            02/01/33
    0

    8398371          E22/G02             F          125,000.00         ZZ
                                         360        125,000.00          1
                                       6.875            821.16         78
                                       6.625            821.16
1

    ANNISTON         AL   36206          5            01/24/03         00
    0415912211                           05           03/01/03          0
    0415912211                           O            02/01/33
    0

    8398373          E22/G02             F          163,200.00         ZZ
                                         360        163,200.00          1
                                       6.875          1,072.11         85
                                       6.625          1,072.11
    SPARTA           NJ   07871          5            01/24/03         10
    0415912716                           05           03/01/03         12
    0415912716                           O            02/01/33
    0

    8398375          E22/G02             F          155,000.00         ZZ
                                         360        155,000.00          1
                                       6.375            967.00         66
                                       6.125            967.00
    YAKIMA           WA   98903          2            01/21/03         00
    0415916188                           05           03/01/03          0
    0415916188                           O            02/01/33
    0

    8398381          E22/G02             F          260,000.00         ZZ
                                         360        260,000.00          1
                                       6.125          1,579.79         66
                                       5.875          1,579.79
    NEWARK           CA   94560          2            01/22/03         00
    0415920941                           05           03/01/03          0
    0415920941                           O            02/01/33
    0

    8398399          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.750          2,594.39         80
                                       6.500          2,594.39
    NORTH KINGSTOWN  RI   02874          5            01/24/03         00
    0415976760                           05           03/01/03          0
    0415976760                           O            02/01/33
    0

    8398413          E22/G02             F           96,000.00         ZZ
                                         360         96,000.00          1
                                       6.625            614.70         84
                                       6.375            614.70
    KALKASKA         MI   49646          5            01/24/03         04
    0415990571                           05           03/01/03         12
    0415990571                           O            02/01/33
    0
1

    8398563          420/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.375            723.69         40
                                       6.125            723.69
    SANTA ROSA       CA   95404          2            01/08/03         00
    0435299722                           05           03/01/03          0
    72004637                             O            02/01/33
    0

    8398573          W39/G02             F           30,400.00         ZZ
                                         360         30,400.00          1
                                       7.625            215.17         80
                                       7.375            215.17
    SUN CITY CENTER  FL   33573          1            01/28/03         00
    0435318928                           01           03/01/03          0
    LA024636                             N            02/01/33
    0

    8398587          K15/G02             F          139,500.00         ZZ
                                         360        139,500.00          1
                                       7.625            987.37         90
                                       7.375            987.37
    MERIDIAN         ID   83642          5            01/20/03         41
    0435318894                           03           03/01/03         25
    003010005505912                      O            02/01/33
    0

    8398617          S43/G02             F          382,000.00         ZZ
                                         360        382,000.00          1
                                       6.250          2,352.04         77
                                       6.000          2,352.04
    ALBUQUERQUE      NM   87111          5            01/27/03         00
    0435303102                           03           03/01/03          0
    022180                               O            02/01/33
    0

    8398623          G27/G02             F          290,000.00         ZZ
                                         360        290,000.00          1
                                       6.375          1,809.22         75
                                       6.125          1,809.22
    VISALIA          CA   93291          5            01/23/03         00
    0435320965                           05           03/01/03          0
    20502180                             O            02/01/33
    0

    8398629          K15/G02             F          180,100.00         ZZ
                                         360        180,100.00          1
1

                                       6.500          1,138.35         76
                                       6.250          1,138.35
    APPLE VALLEY     MN   55124          5            01/21/03         00
    0435318126                           05           03/01/03          0
    001310005509517                      O            02/01/33
    0

    8398633          G27/G02             F           97,600.00         ZZ
                                         360         97,600.00          1
                                       6.750            633.03         80
                                       6.500            633.03
    TEHACHAPI        CA   93561          1            01/22/03         00
    0435319033                           05           03/01/03          0
    22802089                             N            02/01/33
    0

    8398657          K15/G02             F           60,500.00         ZZ
                                         360         60,500.00          1
                                       7.000            402.51         69
                                       6.750            402.51
    PLAINWELL        MI   49080          5            01/24/03         00
    0435308150                           05           03/01/03          0
    003590005509165                      O            02/01/33
    0

    8398665          420/G02             F          429,200.00         ZZ
                                         360        429,200.00          1
                                       6.375          2,677.65         54
                                       6.125          2,677.65
    KENWOOD          CA   95452          5            01/07/03         00
    0435317557                           05           03/01/03          0
    72004658                             O            02/01/33
    0

    8398667          950/G02             F          126,000.00         ZZ
                                         360        126,000.00          4
                                       6.375            786.08         70
                                       6.125            786.08
    CENTRALIA        WA   98531          1            01/17/03         00
    0435323365                           05           03/01/03          0
    EW31056                              N            02/01/33
    0

    8398693          X67/G02             F          465,000.00         T
                                         360        465,000.00          1
                                       6.625          2,977.45         76
                                       6.375          2,977.45
    BIG BEAR LAKE    CA   92315          1            01/07/03         00
    0435310040                           05           03/01/03          0
1

    00282464                             O            02/01/33
    0

    8398773          420/G02             F          502,500.00         ZZ
                                         360        502,500.00          1
                                       6.375          3,134.95         75
                                       6.125          3,134.95
    BRENTWOOD        CA   94513          2            01/15/03         00
    0435297064                           03           03/01/03          0
    72003521                             O            02/01/33
    0

    8398785          E57/G02             F          181,250.00         ZZ
                                         360        181,250.00          1
                                       6.250          1,115.99         80
                                       6.000          1,115.99
    KAILUA KONA      HI   96740          1            01/09/03         00
    0435315718                           01           03/01/03          0
    06013127                             O            02/01/33
    0

    8398789          N74/G02             F           66,000.00         ZZ
                                         360         65,949.77          1
                                       7.375            455.85         80
                                       7.125            455.85
    WENDELL          NC   27591          1            01/28/03         00
    0435316559                           05           02/28/03          0
    3300008977                           N            01/28/33
    0

    8398811          Q14/G02             F          149,600.00         ZZ
                                         360        149,600.00          1
                                       7.250          1,020.54         80
                                       7.000          1,020.54
    SCOTTSDALE       AZ   85258          1            01/28/03         00
    0435302377                           03           03/01/03          0
    00000311145                          N            02/01/33
    0

    8398863          B44/G02             F          158,000.00         ZZ
                                         360        158,000.00          1
                                       6.125            960.02         80
                                       5.875            960.02
    WINTERS          CA   95694          1            01/17/03         00
    0435307558                           05           03/01/03          0
    2022373                              O            02/01/33
    0

1

    8398867          G34/G02             F          180,900.00         ZZ
                                         360        180,900.00          1
                                       6.125          1,099.17         90
                                       5.875          1,099.17
    HENDERSON        NV   89014          1            01/22/03         10
    0435299284                           05           03/01/03         25
    39012643                             O            02/01/33
    0

    8398893          A50/G02             F           63,200.00         ZZ
                                         360         63,146.90          1
                                       6.875            415.18         80
                                       6.625            415.18
    MILLBROOK        AL   36054          1            12/20/02         00
    0435319777                           05           02/01/03          0
    960909                               N            01/01/33
    0

    8399015          944/G02             F          275,000.00         ZZ
                                         360        275,000.00          1
                                       6.375          1,715.65         63
                                       6.125          1,715.65
    CHANDLER         AZ   85248          5            01/17/03         00
    0435316468                           03           03/01/03          0
    W02033006                            O            02/01/33
    0

    8399017          G34/G02             F          156,750.00         ZZ
                                         360        156,750.00          1
                                       6.500            990.77         95
                                       6.250            990.77
    LAS VEGAS        NV   89120          1            01/22/03         10
    0435314869                           05           03/01/03         30
    77380017                             O            02/01/33
    0

    8399215          944/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       6.250            812.75         75
                                       6.000            812.75
    YAKIMA           WA   98908          5            01/21/03         00
    0435326145                           05           03/01/03          0
    W02037517                            O            02/01/33
    0

    8399709          420/G02             F          329,000.00         ZZ
                                         360        329,000.00          1
                                       6.125          1,999.04         70
                                       5.875          1,999.04
1

    NAPA             CA   94558          2            01/13/03         00
    0435318738                           05           03/01/03          0
    72003950                             O            02/01/33
    0

    8400213          E82/G02             F           73,100.00         ZZ
                                         360         73,100.00          1
                                       6.500            462.04         85
                                       6.250            462.04
    KANNAPOLIS       NC   28081          2            01/30/03         04
    0400751293                           05           03/01/03         20
    1890776                              N            02/01/33
    0

    8400215          E82/G02             F           64,000.00         ZZ
                                         360         64,000.00          1
                                       6.625            409.80         87
                                       6.375            409.80
    KANNAPOLIS       NC   28081          2            01/30/03         04
    0400751301                           05           03/01/03         25
    1878946                              N            02/01/33
    0

    8400427          E22/G02             F           64,750.00         ZZ
                                         360         64,750.00          1
                                       7.750            463.88         90
                                       7.500            463.88
    BERTRAM          TX   78605          1            01/22/03         01
    0415654078                           05           03/01/03         25
    0415654078                           N            02/01/33
    0

    8400431          E22/G02             F          126,400.00         ZZ
                                         360        126,400.00          1
                                       7.625            894.65         88
                                       7.375            894.65
    LAS VEGAS        NV   89117          2            01/07/03         04
    0415694074                           09           03/01/03         25
    0415694074                           N            02/01/33
    0

    8400435          E22/G02             F          188,400.00         ZZ
                                         360        188,400.00          1
                                       6.500          1,190.82         68
                                       6.250          1,190.82
    GARDEN GROVE     CA   92840          2            01/22/03         00
    0415702844                           05           03/01/03          0
    0415702844                           O            02/01/33
    0
1

    8400445          E22/G02             F          165,600.00         ZZ
                                         360        165,600.00          1
                                       7.500          1,157.90         80
                                       7.250          1,157.90
    CARMICHAEL       CA   95608          5            01/17/03         00
    0415713619                           05           03/01/03          0
    0415713619                           O            02/01/33
    0

    8400455          E22/G02             F           76,500.00         ZZ
                                         360         76,434.13          1
                                       6.750            496.18         90
                                       6.500            496.18
    WINTER HAVEN     FL   33884          1            12/23/02         04
    0415757434                           05           02/01/03         25
    0415757434                           N            01/01/33
    0

    8400459          E22/G02             F          334,000.00         ZZ
                                         360        334,000.00          1
                                       6.375          2,083.73         85
                                       6.125          2,083.73
    RIVA             MD   21401          1            01/30/03         01
    0415766302                           03           03/01/03         12
    0415766302                           O            02/01/33
    0

    8400461          E22/G02             F          108,000.00         T
                                         360        108,000.00          1
                                       6.375            673.78         80
                                       6.125            673.78
    PITTSVILLE       VA   24139          1            01/30/03         00
    0415771294                           05           03/01/03          0
    0415771294                           O            02/01/33
    0

    8400491          E22/G02             F           45,700.00         ZZ
                                         360         45,700.00          1
                                       6.750            296.41         64
                                       6.500            296.41
    BALTIMORE        MD   21222          2            01/30/03         00
    0415773787                           07           03/01/03          0
    0415773787                           N            02/01/33
    0

    8400497          E22/G02             F           67,500.00         ZZ
                                         360         67,500.00          1
1

                                       6.875            443.43         90
                                       6.625            443.43
    DETROIT          MI   48209          1            01/30/03         04
    0415918267                           05           03/01/03         30
    0415918267                           O            02/01/33
    0

    8400499          E22/G02             F          171,000.00         ZZ
                                         360        171,000.00          1
                                       6.875          1,123.35         90
                                       6.625          1,123.35
    FORT COLLINS     CO   80526          1            01/30/03         04
    0415958610                           05           03/01/03         25
    0415958610                           O            02/01/33
    0

    8400501          E22/G02             F           66,000.00         ZZ
                                         360         66,000.00          1
                                       6.875            433.57         80
                                       6.625            433.57
    PORTAGE          MI   49002          1            01/30/03         00
    0415918374                           05           03/01/03          0
    0415918374                           O            02/01/33
    0

    8400523          E22/G02             F          412,500.00         ZZ
                                         360        412,500.00          1
                                       6.125          2,506.39         55
                                       5.875          2,506.39
    WATSONVILLE      CA   95076          5            01/21/03         00
    0415939677                           05           03/01/03          0
    0415939677                           O            02/01/33
    0

    8400529          E22/G02             F          322,700.00         ZZ
                                         360        322,700.00          1
                                       6.125          1,960.76         71
                                       5.875          1,960.76
    SAN FRANCISCO    CA   94112          2            01/23/03         00
    0415941764                           07           03/01/03          0
    0415941764                           O            02/01/33
    0

    8400537          E22/G02             F          239,900.00         T
                                         360        239,900.00          1
                                       6.125          1,457.66         70
                                       5.875          1,457.66
    PINE GROVE       CA   95665          2            01/23/03         00
    0415948553                           05           03/01/03          0
1

    0415948553                           O            02/01/33
    0

    8400551          E22/G02             F           70,000.00         ZZ
                                         360         70,000.00          1
                                       7.000            465.71         80
                                       6.750            465.71
    WACO             TX   76706          1            01/30/03         00
    0415961168                           01           03/01/03          0
    0415961168                           N            02/01/33
    0

    8400603          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       7.500            699.21         55
                                       7.250            699.21
    EDGEWATER        CO   80214          5            01/30/03         00
    0416022895                           05           03/01/03          0
    0416022895                           N            02/01/33
    0

    8400635          E22/G02             F          304,000.00         ZZ
                                         360        304,000.00          1
                                       6.000          1,822.63         80
                                       5.750          1,822.63
    MARTINEZ         CA   94553          5            01/24/03         00
    0415855451                           09           03/01/03          0
    0415855451                           O            02/01/33
    0

    8400649          E22/G02             F          144,000.00         ZZ
                                         360        144,000.00          1
                                       6.875            945.98         90
                                       6.625            945.98
    GARDNERVILLE     NV   89410          5            01/22/03         04
    0415862150                           05           03/01/03         25
    0415862150                           O            02/01/33
    0

    8400653          E22/G02             F           83,500.00         ZZ
                                         360         83,500.00          1
                                       6.500            527.78         79
                                       6.250            527.78
    RIVERVIEW        FL   33569          2            01/30/03         00
    0415867670                           05           03/01/03          0
    0415867670                           N            02/01/33
    0

1

    8400657          E22/G02             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.125          1,519.03         49
                                       5.875          1,519.03
    SAN DIEGO        CA   92124          5            01/23/03         00
    0415872639                           05           03/01/03          0
    0415872639                           O            02/01/33
    0

    8400675          E22/G02             F          270,000.00         ZZ
                                         360        270,000.00          1
                                       6.250          1,662.44         90
                                       6.000          1,662.44
    LIVERMORE        CA   94550          1            01/22/03         04
    0415895697                           07           03/01/03         30
    0415895697                           O            02/01/33
    0

    8400723          E22/G02             F          117,000.00         ZZ
                                         360        117,000.00          1
                                       6.625            749.16         75
                                       6.375            749.16
    LOUISVILLE       KY   40223          2            01/30/03         00
    0415418961                           05           03/01/03          0
    0415418961                           N            02/01/33
    0

    8400743          E22/G02             F          406,450.00         ZZ
                                         360        406,450.00          1
                                       6.250          2,502.58         72
                                       6.000          2,502.58
    MARINA DE REY    CA   90292          5            01/15/03         00
    0415508852                           01           03/01/03          0
    0415508852                           O            02/01/33
    0

    8400749          E22/G02             F          332,000.00         ZZ
                                         360        332,000.00          1
                                       6.500          2,098.47         80
                                       6.250          2,098.47
    CANTON           MA   02021          1            01/30/03         00
    0415628874                           05           03/01/03          0
    0415628874                           N            02/01/33
    0

    8400789          E22/G02             F          580,000.00         ZZ
                                         360        580,000.00          1
                                       6.250          3,571.16         80
                                       6.000          3,571.16
1

    SAN JOSE         CA   95127          1            01/15/03         00
    0415807494                           05           03/01/03          0
    0415807494                           O            02/01/33
    0

    8400807          E22/G02             F          272,000.00         ZZ
                                         360        272,000.00          1
                                       6.250          1,674.75         80
                                       6.000          1,674.75
    SANTA ROSA       CA   95401          1            01/24/03         00
    0415823384                           05           03/01/03          0
    0415823384                           O            02/01/33
    0

    8400819          E22/G02             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.250          2,216.58         88
                                       6.000          2,216.58
    BRIDGEWATER      NJ   08807          5            01/24/03         10
    0415836154                           05           03/01/03         25
    0415836154                           O            02/01/33
    0

    8401315          588/G02             F          117,000.00         ZZ
                                         360        117,000.00          1
                                       6.750            758.86         90
                                       6.500            758.86
    UPPER DARBY TOW  PA   19026          1            01/24/03         01
    0435319678                           05           03/01/03         25
    00010842234                          O            02/01/33
    0

    8401387          H81/G02             F          154,350.00         ZZ
                                         360        154,350.00          2
                                       7.125          1,039.88         90
                                       6.875          1,039.88
    WEST ALLIS       WI   53227          1            01/27/03         10
    0435323035                           05           03/01/03         25
    WH17846                              N            02/01/33
    0

    8401417          W35/G02             F           83,000.00         ZZ
                                         240         83,000.00          1
                                       6.250            606.67         77
                                       6.000            606.67
    HILLSVILLE       VA   24343          5            01/24/03         00
    0435312830                           05           03/01/03          0
    16469                                O            02/01/23
    0
1

    8401495          H81/G02             F          103,000.00         ZZ
                                         360        103,000.00          2
                                       6.750            668.06         85
                                       6.500            668.06
    MILWAUKEE        WI   53222          2            01/30/03         04
    0435326152                           05           03/01/03         12
    WH17839                              N            02/01/33
    0

    8401533          B57/G02             F          346,400.00         ZZ
                                         360        346,400.00          1
                                       6.125          2,104.76         80
                                       5.875          2,104.76
    GILROY           CA   95020          1            01/13/03         00
    0435315296                           05           03/01/03          0
    10009049                             O            02/01/33
    0

    8401631          642/G02             F          261,000.00         ZZ
                                         360        261,000.00          1
                                       6.125          1,585.86         58
                                       5.875          1,585.86
    PONCE INLET      FL   32127          5            01/28/03         00
    0435315312                           05           03/01/03          0
    01-1264-03                           O            02/01/33
    0

    8401757          G51/G02             F          352,000.00         ZZ
                                         360        352,000.00          1
                                       6.375          2,196.02         80
                                       6.125          2,196.02
    HENDERSON        CO   80640          2            01/27/03         00
    0435322227                           05           03/01/03          0
    20003771                             O            02/01/33
    0

    8401759          532/G02             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       6.250            689.60         80
                                       6.000            689.60
    CROSSVILLE       TN   38571          5            01/16/03         00
    0435326244                           05           03/01/03          0
    PF03086                              O            02/01/33
    0

    8401761          967/G02             F          151,850.00         ZZ
                                         360        151,850.00          4
1

                                       6.500            959.80         90
                                       6.250            959.80
    APACHE JUNCTION  AZ   85219          1            01/27/03         14
    0435320759                           05           03/01/03         25
    5945092                              N            02/01/33
    0

    8401767          944/G02             F           56,250.00         ZZ
                                         360         56,250.00          1
                                       6.375            350.93         75
                                       6.125            350.93
    TAMPA            FL   33604          5            01/27/03         00
    0435326772                           05           03/01/03          0
    W2030678                             N            02/01/33
    0

    8401771          Q14/G02             F          145,000.00         ZZ
                                         360        145,000.00          1
                                       6.250            892.79         66
                                       6.000            892.79
    TUCSON           AZ   85749          5            01/24/03         00
    0435304449                           05           03/01/03          0
    0000210695                           O            02/01/33
    0

    8401779          A06/G02             F          280,800.00         ZZ
                                         360        280,800.00          1
                                       6.500          1,774.85         80
                                       6.250          1,774.85
    GROSSE POINTE F  MI   48236          5            01/22/03         00
    0435319173                           05           03/01/03          0
    021000020234301                      O            02/01/33
    0

    8401817          A50/G02             F           41,000.00         ZZ
                                         360         41,000.00          1
                                       7.250            279.69         75
                                       7.000            279.69
    ENTERPRISE       AL   36330          2            01/23/03         00
    0435324561                           05           03/01/03          0
    503REUL952883                        N            02/01/33
    0

    8401869          737/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       7.000            771.75         80
                                       6.750            771.75
    GRASS VALLEY     CA   95949          1            01/15/03         00
    0435329610                           05           03/01/03          0
1

    2099522                              N            02/01/33
    0

    8401879          940/G02             F          220,000.00         ZZ
                                         360        220,000.00          1
                                       6.125          1,336.74         78
                                       5.875          1,336.74
    MURRIETA         CA   92562          5            01/21/03         00
    0435320833                           05           03/01/03          0
    40021280                             O            02/01/33
    0

    8401889          K15/G02             F          208,200.00         ZZ
                                         360        208,200.00          1
                                       6.375          1,298.90         85
                                       6.125          1,298.90
    NEWPORT          MI   48166          5            01/17/03         41
    0435311014                           05           03/01/03         12
    035005508199                         O            02/01/33
    0

    8402143          T44/G02             F          187,000.00         ZZ
                                         360        187,000.00          1
                                       6.500          1,181.97         55
                                       6.250          1,181.97
    TEHACHAPI        CA   93561          5            01/14/03         00
    0435305982                           03           03/01/03          0
    1063486                              O            02/01/33
    0

    8402707          588/G02             F          151,900.00         ZZ
                                         360        151,900.00          1
                                       6.500            960.11         80
                                       6.250            960.11
    NETHER PROVIDEN  PA   19086          1            01/17/03         00
    0435319462                           05           03/01/03          0
    00010845351                          O            02/01/33
    0

    8403453          E82/G02             F          161,000.00         ZZ
                                         360        161,000.00          1
                                       6.625          1,030.90         85
                                       6.375          1,030.90
    UPTON            WY   82730          5            01/28/03         04
    0400767992                           05           03/01/03         12
    0400767992                           O            02/01/33
    0

1

    8403461          E82/G02             F          117,000.00         ZZ
                                         360        117,000.00          1
                                       6.125            710.90         90
                                       5.875            710.90
    GALLOWAY         OH   43119          2            01/30/03         04
    0400765780                           05           03/01/03         25
    0400765780                           O            02/01/33
    0

    8403467          E82/G02             F          145,300.00         ZZ
                                         360        145,300.00          1
                                       6.250            894.64         76
                                       6.000            894.64
    MESA             AZ   85207          2            01/30/03         00
    0400774790                           03           03/01/03          0
    1861440                              O            02/01/33
    0

    8403483          E82/G02             F          296,500.00         ZZ
                                         360        296,500.00          1
                                       7.000          1,972.62         60
                                       6.750          1,972.62
    KIRKLAND         WA   98033          2            01/14/03         00
    0400753570                           05           03/01/03          0
    1779583                              N            02/01/33
    0

    8403531          U19/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.500            632.07         53
                                       6.250            632.07
    LAGUNA HILLS     CA   92653          5            01/23/03         00
    0435321567                           01           03/01/03          0
    33011120                             O            02/01/33
    0

    8403585          E22/G02             F          262,000.00         ZZ
                                         360        262,000.00          1
                                       6.000          1,570.82         72
                                       5.750          1,570.82
    MANASQUAN        NJ   08736          2            01/27/03         00
    0415417005                           05           03/01/03          0
    0415417005                           O            02/01/33
    0

    8403593          E22/G02             F           58,500.00         ZZ
                                         360         58,500.00          1
                                       7.250            399.07         90
                                       7.000            399.07
1

    KANSAS CITY      MO   64126          2            01/24/03         01
    0415500651                           05           03/01/03         25
    0415500651                           N            02/01/33
    0

    8403621          E22/G02             F          239,000.00         ZZ
                                         360        239,000.00          1
                                       6.125          1,452.19         77
                                       5.875          1,452.19
    DAMARISCOTTA     ME   04543          5            01/27/03         00
    0415607555                           05           03/01/03          0
    0415607555                           O            02/01/33
    0

    8403635          E22/G02             F          456,750.00         ZZ
                                         360        456,750.00          1
                                       7.875          3,311.75         87
                                       7.625          3,311.75
    CREVE COEUR      MO   63141          2            01/27/03         01
    0415662360                           03           03/01/03         20
    0415662360                           O            02/01/33
    0

    8403639          E22/G02             F          116,000.00         T
                                         360        116,000.00          1
                                       7.125            781.51         80
                                       6.875            781.51
    JOSHUA           TX   76058          1            01/31/03         00
    0415685353                           05           03/01/03          0
    0415685353                           O            02/01/33
    0

    8403641          E22/G02             F          133,000.00         ZZ
                                         360        133,000.00          1
                                       6.500            840.65         68
                                       6.250            840.65
    ROSEVILLE        CA   95678          5            01/27/03         00
    0415693290                           05           03/01/03          0
    0415693290                           O            02/01/33
    0

    8403649          E22/G02             F          440,000.00         ZZ
                                         360        440,000.00          3
                                       7.375          3,038.97         44
                                       7.125          3,038.97
    CHICAGO          IL   60614          2            01/31/03         00
    0415718485                           05           03/01/03          0
    0415718485                           N            02/01/33
    0
1

    8403669          E22/G02             F          136,500.00         ZZ
                                         360        136,500.00          1
                                       6.500            862.77         65
                                       6.250            862.77
    BROCKTON         MA   02302          5            01/29/03         00
    0415738707                           05           03/01/03          0
    0415738707                           O            02/01/33
    0

    8403683          E22/G02             F          375,000.00         ZZ
                                         360        375,000.00          1
                                       6.250          2,308.94         80
                                       6.000          2,308.94
    ALBUQUERQUE      NM   87111          2            01/15/03         00
    0415751684                           05           03/01/03          0
    0415751684                           O            02/01/33
    0

    8403693          E22/G02             F          178,400.00         ZZ
                                         360        178,400.00          1
                                       6.250          1,098.44         80
                                       6.000          1,098.44
    WICHITA FALLS    TX   76309          2            01/17/03         00
    0415764273                           05           03/01/03          0
    0415764273                           N            02/01/33
    0

    8403711          E22/G02             F          194,000.00         ZZ
                                         360        194,000.00          1
                                       6.500          1,226.21         89
                                       6.250          1,226.21
    WEARE            NH   03281          1            01/31/03         01
    0415777853                           05           03/01/03         25
    0415777853                           O            02/01/33
    0

    8403723          E22/G02             F          215,500.00         ZZ
                                         360        215,500.00          1
                                       6.500          1,362.11         88
                                       6.250          1,362.11
    ANTELOPE         CA   95843          5            01/24/03         04
    0415791268                           05           03/01/03         25
    0415791268                           O            02/01/33
    0

    8403745          E22/G02             F          322,700.00         ZZ
                                         360        322,700.00          1
1

                                       6.125          1,960.76         64
                                       5.875          1,960.76
    LARKSPUR         CO   80118          2            01/27/03         00
    0415803923                           05           03/01/03          0
    0415803923                           O            02/01/33
    0

    8403751          E22/G02             F          171,000.00         ZZ
                                         360        171,000.00          3
                                       7.250          1,166.52         90
                                       7.000          1,166.52
    LOS ANGELES      CA   90031          1            01/17/03         11
    0415814524                           05           03/01/03         25
    0415814524                           O            02/01/33
    0

    8403755          E22/G02             F          204,000.00         ZZ
                                         360        204,000.00          1
                                       6.625          1,306.23         80
                                       6.375          1,306.23
    SALT LAKE CITY   UT   84108          1            01/27/03         00
    0415814987                           05           03/01/03          0
    0415814987                           O            02/01/33
    0

    8403757          E22/G02             F          197,600.00         ZZ
                                         360        197,600.00          1
                                       6.500          1,248.97         80
                                       6.250          1,248.97
    NORTH BAY VILLA  FL   33141          5            01/27/03         00
    0415815000                           05           03/01/03          0
    0415815000                           O            02/01/33
    0

    8403765          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          2
                                       6.125          1,822.83         80
                                       5.875          1,822.83
    OZONE PARK       NY   11417          5            01/27/03         00
    0415826155                           05           03/01/03          0
    0415826155                           O            02/01/33
    0

    8403771          E22/G02             F           52,000.00         ZZ
                                         240         52,000.00          1
                                       6.625            391.53         61
                                       6.375            391.53
    HALLANDALE       FL   33009          5            01/27/03         00
    0415829290                           08           03/01/03          0
1

    0415829290                           O            02/01/23
    0

    8403775          E22/G02             F          172,000.00         ZZ
                                         360        172,000.00          1
                                       6.125          1,045.09         80
                                       5.875          1,045.09
    NEVADA CITY      CA   95959          5            01/23/03         00
    0415830348                           05           03/01/03          0
    0415830348                           O            02/01/33
    0

    8403777          E22/G02             F          307,500.00         ZZ
                                         360        307,500.00          1
                                       6.375          1,918.40         75
                                       6.125          1,918.40
    HEMPSTEAD        TX   77445          5            01/24/03         00
    0415833151                           05           03/01/03          0
    0415833151                           O            02/01/33
    0

    8403779          E22/G02             F          252,000.00         ZZ
                                         360        252,000.00          1
                                       6.500          1,592.81         80
                                       6.250          1,592.81
    HOWELL           NJ   07731          1            01/31/03         00
    0415833334                           05           03/01/03          0
    0415833334                           O            02/01/33
    0

    8403793          E22/G02             F          139,000.00         ZZ
                                         360        139,000.00          1
                                       7.750            995.81         85
                                       7.500            995.81
    PEMBROKE PINES   FL   33025          5            01/29/03         04
    0415844364                           03           03/01/03         12
    0415844364                           O            02/01/33
    0

    8403795          E22/G02             F          538,000.00         ZZ
                                         360        538,000.00          1
                                       6.500          3,400.53         75
                                       6.250          3,400.53
    WHITEFISH        MT   59937          5            01/27/03         00
    0415845494                           03           03/01/03          0
    0415845494                           O            02/01/33
    0

1

    8403801          E22/G02             F          120,700.00         ZZ
                                         360        120,700.00          1
                                       6.500            762.91         85
                                       6.250            762.91
    LITTLETON        CO   80123          2            01/27/03         01
    0415847870                           01           03/01/03         12
    0415847870                           O            02/01/33
    0

    8403811          E22/G02             F          296,000.00         ZZ
                                         360        296,000.00          1
                                       6.250          1,822.52         80
                                       6.000          1,822.52
    SAN DIEGO        CA   92130          2            01/16/03         00
    0415856632                           01           03/01/03          0
    0415856632                           O            02/01/33
    0

    8403815          E22/G02             F          325,000.00         ZZ
                                         360        325,000.00          1
                                       6.500          2,054.22         88
                                       6.250          2,054.22
    PLACERVILLE      CA   95667          5            01/17/03         04
    0415860261                           03           03/01/03         25
    0415860261                           O            02/01/33
    0

    8403825          E22/G02             F          232,000.00         ZZ
                                         360        232,000.00          1
                                       6.375          1,447.38         80
                                       6.125          1,447.38
    CLOVERDALE       CA   95425          1            01/23/03         00
    0415866193                           05           03/01/03          0
    0415866193                           O            02/01/33
    0

    8403841          E22/G02             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       7.000          1,197.54         80
                                       6.750          1,197.54
    BURLESON         TX   76028          5            01/27/03         00
    0415879311                           05           03/01/03          0
    0415879311                           O            02/01/33
    0

    8403843          E22/G02             F          161,900.00         ZZ
                                         360        161,900.00          1
                                       6.125            983.72         80
                                       5.875            983.72
1

    MCKINLEYVILLE    CA   95519          1            01/23/03         00
    0415880277                           05           03/01/03          0
    0415880277                           N            02/01/33
    0

    8403861          E22/G02             F          124,000.00         ZZ
                                         360        124,000.00          1
                                       6.250            763.49         77
                                       6.000            763.49
    MIAMI            FL   33157          1            01/31/03         00
    0415888569                           05           03/01/03          0
    0415888569                           O            02/01/33
    0

    8403863          E22/G02             F          114,500.00         ZZ
                                         360        114,500.00          1
                                       5.875            677.31         66
                                       5.625            677.31
    BLACK MOUNTAIN   NC   28711          1            01/31/03         00
    0415894781                           05           03/01/03          0
    0415894781                           O            02/01/33
    0

    8403869          E22/G02             F          231,200.00         ZZ
                                         360        231,200.00          1
                                       7.250          1,577.19         85
                                       7.000          1,577.19
    BIRMINGHAM       AL   35244          5            01/27/03         04
    0415897347                           05           03/01/03         12
    0415897347                           O            02/01/33
    0

    8403871          E22/G02             F           78,000.00         ZZ
                                         360         78,000.00          1
                                       6.875            512.40         74
                                       6.625            512.40
    NIXA             MO   65714          2            01/24/03         00
    0415900646                           05           03/01/03          0
    0415900646                           O            02/01/33
    0

    8403873          E22/G02             F           85,000.00         ZZ
                                         360         85,000.00          1
                                       6.250            523.36         54
                                       6.000            523.36
    PORTSMOUTH       NH   03801          5            01/24/03         00
    0415901156                           07           03/01/03          0
    0415901156                           O            02/01/33
    0
1

    8403881          E22/G02             F          510,000.00         ZZ
                                         360        510,000.00          1
                                       6.125          3,098.81         75
                                       5.875          3,098.81
    WIMBERLEY        TX   78676          2            01/27/03         00
    0415906502                           03           03/01/03          0
    0415906502                           O            02/01/33
    0

    8403903          E22/G02             F           74,005.00         ZZ
                                         360         74,005.00          1
                                       6.500            467.76         95
                                       6.250            467.76
    PASADENA         TX   77504          1            01/31/03         01
    0415924968                           05           03/01/03         35
    0415924968                           O            02/01/33
    0

    8403909          E22/G02             F           66,150.00         ZZ
                                         360         66,150.00          1
                                       7.500            462.53         90
                                       7.250            462.53
    MIAMI            FL   33056          1            01/31/03         04
    0415930700                           07           03/01/03         25
    0415930700                           N            02/01/33
    0

    8403939          E22/G02             F          233,000.00         ZZ
                                         360        233,000.00          1
                                       6.250          1,434.62         79
                                       6.000          1,434.62
    PASO ROBLES      CA   93446          5            01/23/03         00
    0415950971                           05           03/01/03          0
    0415950971                           O            02/01/33
    0

    8403989          E22/G02             F          220,000.00         ZZ
                                         360        220,000.00          2
                                       6.375          1,372.51         80
                                       6.125          1,372.51
    WEST ORANGE      NJ   07052          5            01/27/03         00
    0415991041                           05           03/01/03          0
    0415991041                           O            02/01/33
    0

    8403991          E22/G02             F          166,400.00         ZZ
                                         360        166,400.00          1
1

                                       6.250          1,024.55         80
                                       6.000          1,024.55
    ANNAPOLIS        MD   21403          1            01/31/03         00
    0415992080                           05           03/01/03          0
    0415992080                           O            02/01/33
    0

    8403999          E22/G02             F           84,000.00         ZZ
                                         360         84,000.00          1
                                       7.750            601.79         78
                                       7.500            601.79
    BATON ROUGE      LA   70809          2            01/31/03         00
    0415996552                           05           03/01/03          0
    0415996552                           N            02/01/33
    0

    8404025          E22/G02             F           67,500.00         ZZ
                                         360         67,500.00          1
                                       7.000            449.08         90
                                       6.750            449.08
    ALEXANDER CITY   AL   35010          5            01/28/03         01
    0416028512                           05           03/01/03         25
    0416028512                           O            02/01/33
    0

    8404035          E22/G02             F          152,000.00         ZZ
                                         360        152,000.00          1
                                       6.375            948.28         80
                                       6.125            948.28
    SONORA           CA   95370          5            01/24/03         00
    0416031201                           05           03/01/03          0
    0416031201                           O            02/01/33
    0

    8404041          E22/G02             F           59,400.00         ZZ
                                         360         59,400.00          2
                                       6.875            390.22         90
                                       6.625            390.22
    SAN ANTONIO      TX   78250          1            01/30/03         01
    0416036606                           05           03/01/03         25
    0416036606                           N            02/01/33
    0

    8404045          E22/G02             F           84,000.00         ZZ
                                         360         84,000.00          1
                                       6.375            524.05         80
                                       6.125            524.05
    SACRAMENTO       CA   95820          5            01/27/03         00
    0416041408                           05           03/01/03          0
1

    0416041408                           O            02/01/33
    0

    8404053          E22/G02             F          101,550.00         ZZ
                                         360        101,550.00          1
                                       7.250            692.75         95
                                       7.000            692.75
    KINGWOOD         TX   77345          1            01/31/03         01
    0416051027                           03           03/01/03         30
    0416051027                           O            02/01/33
    0

    8404737          588/G02             F          202,500.00         ZZ
                                         360        202,500.00          1
                                       7.250          1,381.41         90
                                       7.000          1,381.41
    POMPTON LAKES B  NJ   07442          1            01/29/03         10
    0435324850                           05           03/01/03         25
    1084930                              N            02/01/33
    0

    8404781          P01/G02             F           71,250.00         ZZ
                                         360         71,250.00          1
                                       7.625            504.30         95
                                       7.375            504.30
    RENSSELAER       NY   12144          5            01/27/03         10
    0435332101                           05           03/01/03         30
    03004409                             O            02/01/33
    0

    8406259          G27/G02             F          116,000.00         ZZ
                                         360        116,000.00          1
                                       6.625            742.76         80
                                       6.375            742.76
    LAKE HAVASU CIT  AZ   86403          5            01/21/03         00
    0435315940                           05           03/01/03          0
    27002010                             O            02/01/33
    0

    8406415          967/G02             F          151,850.00         ZZ
                                         360        151,850.00          4
                                       6.500            959.80         90
                                       6.250            959.80
    APACHE JUNCTION  AZ   85219          1            01/27/03         14
    0435316112                           05           03/01/03         25
    5942719                              N            02/01/33
    0

1

    8406431          M18/G02             F          112,500.00         ZZ
                                         360        112,500.00          4
                                       7.625            796.27         90
                                       7.375            796.27
    SAN BERNARDINO   CA   92405          1            12/17/02         11
    0435327671                           05           03/01/03         25
    980102178                            N            02/01/33
    0

    8406435          940/G02             F           57,600.00         ZZ
                                         360         57,600.00          1
                                       6.500            364.07         80
                                       6.250            364.07
    VICTORVILLE      CA   92392          1            01/29/03         00
    0435327119                           01           03/01/03          0
    69030003                             N            02/01/33
    0

    8406455          W68/G02             F          220,500.00         ZZ
                                         360        220,500.00          1
                                       6.625          1,411.89         90
                                       6.375          1,411.89
    DALLAS           TX   75209          1            01/13/03         28
    0435319983                           05           03/01/03         25
    34382                                O            02/01/33
    0

    8406759          K15/G02             F           54,000.00         ZZ
                                         360         54,000.00          1
                                       7.625            382.21         88
                                       7.375            382.21
    BATON ROUGE      LA   70812          5            01/25/03         41
    0435318852                           05           03/01/03         25
    000805509009                         O            02/01/33
    0

    8407159          K15/G02             F           61,700.00         ZZ
                                         360         61,700.00          1
                                       7.625            436.71         95
                                       7.375            436.71
    LAMAR            AR   72846          5            01/24/03         41
    0435318944                           05           03/01/03         30
    038205505855                         O            02/01/33
    0

    8407873          X67/G02             F          139,000.00         ZZ
                                         360        139,000.00          1
                                       6.000            833.38         68
                                       5.750            833.38
1

    LA PUENTE AREA   CA   91744          5            01/08/03         00
    0435325956                           05           03/01/03          0
    00282377                             O            02/01/33
    0

    8407981          F89/G02             F          362,700.00         ZZ
                                         360        362,700.00          1
                                       6.125          2,203.80         73
                                       5.875          2,203.80
    LOS ANGELES      CA   91364          2            01/23/03         00
    0435322920                           05           03/01/03          0
    27206                                O            02/01/33
    0

    8408017          M27/G02             F          184,000.00         ZZ
                                         360        184,000.00          1
                                       6.375          1,147.92         80
                                       6.125          1,147.92
    WILMINGTON       NC   28411          2            01/27/03         00
    0435338546                           05           03/01/03          0
    06008732449                          O            02/01/33
    0

    8408055          W40/G02             F           97,500.00         ZZ
                                         360         97,500.00          1
                                       6.500            616.27         94
                                       6.250            616.27
    PHOENIX          AZ   85017          5            01/29/03         10
    0435335765                           05           03/01/03         30
    100017261                            O            02/01/33
    0

    8408059          742/G02             F          162,000.00         ZZ
                                         360        162,000.00          2
                                       7.125          1,091.42         90
                                       6.875          1,091.42
    ROCHESTER        NY   14609          1            01/29/03         11
    0435333703                           05           03/01/03         25
    5891502                              N            02/01/33
    0

    8408339          E82/G02             F          233,000.00         ZZ
                                         360        233,000.00          1
                                       6.625          1,491.92         51
                                       6.375          1,491.92
    BOONTON TOWNSHI  NJ   07005          2            01/31/03         00
    0400741773                           05           03/01/03          0
    1556245                              O            02/01/33
    0
1

    8408415          G34/G02             F          450,000.00         ZZ
                                         360        450,000.00          1
                                       6.625          2,881.40         75
                                       6.375          2,881.40
    STAMFORD         CT   06903          5            01/27/03         00
    0435333125                           05           03/01/03          0
    56722013                             O            02/01/33
    0

    8408451          883/G02             F           63,750.00         ZZ
                                         360         63,750.00          1
                                       6.500            402.94         74
                                       6.250            402.94
    PHENIX CITY      AL   36867          5            01/21/03         00
    0435328604                           05           03/01/03          0
    05020308                             O            02/01/33
    0

    8408497          952/G02             F          216,000.00         ZZ
                                         360        216,000.00          2
                                       6.625          1,383.07         80
                                       6.375          1,383.07
    FAIRVIEW         NJ   07022          1            01/17/03         00
    0435327176                           05           03/01/03          0
    20027755                             O            02/01/33
    0

    8408551          E22/G02             F          148,500.00         ZZ
                                         360        148,500.00          1
                                       6.125            902.30         71
                                       5.875            902.30
    NAPA             CA   94558          2            01/14/03         00
    0415195718                           01           03/01/03          0
    0415195718                           N            02/01/33
    0

    8408577          E22/G02             F          233,600.00         ZZ
                                         360        233,600.00          1
                                       6.250          1,438.32         80
                                       6.000          1,438.32
    GOLDEN           CO   80403          2            01/28/03         00
    0415485457                           05           03/01/03          0
    0415485457                           O            02/01/33
    0

    8408579          E22/G02             F          171,000.00         ZZ
                                         360        171,000.00          1
1

                                       6.000          1,025.23         95
                                       5.750          1,025.23
    MARSHALL         VA   20115          5            01/29/03         04
    0415529551                           05           03/01/03         30
    0415529551                           O            02/01/33
    0

    8408583          E22/G02             F          262,000.00         ZZ
                                         360        262,000.00          1
                                       6.375          1,634.54         59
                                       6.125          1,634.54
    GARDNERVILLE     NV   89410          5            01/27/03         00
    0415580927                           05           03/01/03          0
    0415580927                           O            02/01/33
    0

    8408589          E22/G02             F          247,000.00         ZZ
                                         360        247,000.00          1
                                       7.250          1,684.98         95
                                       7.000          1,684.98
    TOMS RIVER       NJ   08755          5            01/24/03         01
    0415675487                           05           03/01/03         30
    0415675487                           O            02/01/33
    0

    8408619          E22/G02             F          148,000.00         ZZ
                                         360        148,000.00          1
                                       6.250            911.26         47
                                       6.000            911.26
    OCEANSIDE        CA   92056          5            01/22/03         00
    0415801927                           05           03/01/03          0
    0415801927                           O            02/01/33
    0

    8408637          E22/G02             F          192,000.00         ZZ
                                         360        192,000.00          1
                                       6.875          1,261.30         95
                                       6.625          1,261.30
    HOLBROOK         NY   11741          5            01/28/03         01
    0415836634                           05           03/01/03         30
    0415836634                           O            02/01/33
    0

    8408639          E22/G02             F          132,000.00         ZZ
                                         360        132,000.00          1
                                       6.250            812.75         80
                                       6.000            812.75
    CALDWELL         ID   83607          5            01/28/03         00
    0415840701                           05           03/01/03          0
1

    0415840701                           O            02/01/33
    0

    8408675          E22/G02             F           72,000.00         ZZ
                                         360         72,000.00          2
                                       7.750            515.82         90
                                       7.500            515.82
    CORVALLIS        OR   97330          1            01/23/03         04
    0415883214                           05           03/01/03         25
    0415883214                           N            02/01/33
    0

    8408677          E22/G02             F           72,000.00         ZZ
                                         360         72,000.00          1
                                       7.750            515.82         90
                                       7.500            515.82
    CORVALLIS        OR   97330          1            01/22/03         04
    0415884022                           05           03/01/03         25
    0415884022                           N            02/01/33
    0

    8408681          E22/G02             F          110,700.00         ZZ
                                         360        110,700.00          1
                                       6.625            708.82         90
                                       6.375            708.82
    FLORISSANT       MO   63031          5            01/29/03         04
    0415886118                           09           03/01/03         25
    0415886118                           O            02/01/33
    0

    8408683          E22/G02             F          100,000.00         ZZ
                                         360        100,000.00          1
                                       6.625            640.31         90
                                       6.375            640.31
    WARRENTON        MO   63383          5            01/28/03         01
    0415888650                           05           03/01/03         25
    0415888650                           O            02/01/33
    0

    8408701          E22/G02             F          115,200.00         ZZ
                                         360        115,200.00          1
                                       6.250            709.31         80
                                       6.000            709.31
    PUEBLO           CO   81004          5            01/28/03         00
    0415899046                           05           03/01/03          0
    0415899046                           O            02/01/33
    0

1

    8408707          N47/G02             F          387,000.00         ZZ
                                         360        387,000.00          1
                                       6.125          2,351.45         90
                                       5.875          2,351.45
    FREMONT          CA   94539          1            01/22/03         04
    0435330717                           05           03/01/03         25
    20501962                             O            02/01/33
    0

    8408719          E22/G02             F           70,000.00         ZZ
                                         360         70,000.00          1
                                       6.000            419.69         59
                                       5.750            419.69
    LARAMIE          WY   82072          5            01/29/03         00
    0415908359                           05           03/01/03          0
    662955                               O            02/01/33
    0

    8408753          E22/G02             F           76,000.00         ZZ
                                         360         76,000.00          1
                                       6.500            480.37         80
                                       6.250            480.37
    ALBUQUERQUE      NM   87107          5            01/28/03         00
    0415959659                           05           03/01/03          0
    0415959659                           O            02/01/33
    0

    8408781          E22/G02             F          426,500.00         ZZ
                                         360        426,500.00          1
                                       6.625          2,730.93         73
                                       6.375          2,730.93
    SANDY            UT   84093          5            01/24/03         00
    0416001303                           05           03/01/03          0
    0416001303                           O            02/01/33
    0

    8408783          E22/G02             F          112,500.00         ZZ
                                         360        112,500.00          1
                                       6.500            711.08         90
                                       6.250            711.08
    VISALIA          CA   93277          5            01/27/03         04
    0416005312                           05           03/01/03         25
    0416005312                           O            02/01/33
    0

    8408933          N47/G02             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.250          2,586.01         79
                                       6.000          2,586.01
1

    SAN JOSE         CA   95131          2            01/24/03         00
    0435330097                           05           03/01/03          0
    20501248                             O            02/01/33
    0

    8409229          U97/G02             F          624,000.00         ZZ
                                         360        624,000.00          1
                                       6.500          3,944.10         80
                                       6.250          3,944.10
    SOUTH SAN FRANC  CA   94080          5            01/17/03         00
    0435325931                           05           03/01/03          0
    0657713                              O            02/01/33
    0

    8409597          253/253             F          204,581.00         ZZ
                                         360        204,581.00          1
                                       6.750          1,326.91         90
                                       6.500          1,326.91
    FORT WORTH       TX   76135          1            01/24/03         14
    999516                               05           03/01/03         25
    999516                               O            02/01/33
    0

    8409733          W39/G02             F          190,000.00         ZZ
                                         360        190,000.00          1
                                       7.000          1,264.08         80
                                       6.750          1,264.08
    AUBREY           TX   76227          5            01/27/03         00
    0435337498                           05           03/01/03          0
    PNI30326                             O            02/01/33
    0

    8409737          X51/G02             F          432,000.00         ZZ
                                         360        432,000.00          1
                                       6.125          2,624.88         80
                                       5.875          2,624.88
    SHERMAN OAKS     CA   91423          5            01/23/03         00
    0435333331                           05           03/01/03          0
    R2054506                             O            02/01/33
    0

    8409741          975/G02             F          307,000.00         ZZ
                                         360        307,000.00          1
                                       6.125          1,865.36         64
                                       5.875          1,865.36
    SAN GABRIEL      CA   91776          5            01/21/03         00
    0435333679                           05           03/01/03          0
    2030148                              O            02/01/33
    0
1

    8410093          S27/G02             F          106,200.00         ZZ
                                         360        106,200.00          1
                                       7.125            715.49         90
                                       6.875            715.49
    SPRINGFIELD      VA   22152          1            01/24/03         10
    0435336441                           01           03/01/03         25
    1020006064                           N            02/01/33
    0

    8410203          U85/G02             F           70,000.00         ZZ
                                         360         70,000.00          1
                                       6.250            431.00         88
                                       6.000            431.00
    WEST BEND        WI   53090          2            01/28/03         10
    0435332838                           01           03/01/03         25
    10138                                O            02/01/33
    0

    8410267          742/G02             F          119,250.00         ZZ
                                         360        119,250.00          4
                                       7.125            803.41         90
                                       6.875            803.41
    PORT JERVIS      NY   12771          1            01/30/03         11
    0435331335                           05           03/01/03         25
    5890272                              N            02/01/33
    0

    8410429          X51/G02             F          344,000.00         ZZ
                                         360        344,000.00          1
                                       6.250          2,118.07         77
                                       6.000          2,118.07
    SAN JOSE         CA   95127          2            01/25/03         00
    0435333083                           05           03/01/03          0
    030106003                            O            02/01/33
    0

    8410469          X51/G02             F          399,000.00         ZZ
                                         360        399,000.00          1
                                       6.250          2,456.71         79
                                       6.000          2,456.71
    MISSION VIEJO    CA   92692          5            01/25/03         00
    0435333588                           05           03/01/03          0
    R2054319                             O            02/01/33
    0

    8410793          696/G02             F          247,900.00         ZZ
                                         360        247,900.00          1
1

                                       6.250          1,526.36         80
                                       6.000          1,526.36
    WASHINGTON       DC   20005          1            01/17/03         00
    0435314877                           08           03/01/03          0
    31203020                             N            02/01/33
    0

    8410799          696/G02             F          151,200.00         ZZ
                                         360        151,200.00          1
                                       6.625            968.15         80
                                       6.375            968.15
    BURTONSVILLE     MD   20866          1            01/30/03         00
    0435299383                           09           03/01/03          0
    30403017                             O            02/01/33
    0

    8410987          X51/G02             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.250          2,586.01         80
                                       6.000          2,586.01
    SAN CLEMENTE     CA   92673          5            01/23/03         00
    0435330394                           05           03/01/03          0
    030114001                            O            02/01/33
    0

    8410991          K15/G02             F           49,400.00         ZZ
                                         360         49,400.00          1
                                       7.625            349.65         90
                                       7.375            349.65
    FORT MADISON     IA   52627          5            01/14/03         41
    0435322946                           05           03/01/03         25
    002940005505903                      O            02/01/33
    0

    8411967          M12/G02             F          355,700.00         ZZ
                                         360        355,700.00          1
                                       7.625          2,517.62         84
                                       7.375          2,517.62
    TUCSON           AZ   85743          2            01/30/03         10
    0435340351                           05           03/01/03         12
    SC634                                O            02/01/33
    0

    8412307          U05/G02             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       6.125          2,041.57         80
                                       5.875          2,041.57
    PORTLAND         OR   97225          5            01/23/03         00
    0435327010                           05           03/01/03          0
1

    3306674                              O            02/01/33
    0

    8412371          U05/G02             F          376,000.00         ZZ
                                         360        376,000.00          1
                                       6.375          2,345.75         80
                                       6.125          2,345.75
    MONTROSE         CA   91020          1            01/20/03         00
    0435327721                           05           03/01/03          0
    3303159                              O            02/01/33
    0

    8413065          U05/G02             F          122,550.00         ZZ
                                         360        122,550.00          1
                                       6.125            744.63         95
                                       5.875            744.63
    DENVER           CO   80218          1            01/22/03         10
    0435327044                           01           03/01/03         30
    3304435                              O            02/01/33
    0

    8413123          E22/G02             F           79,000.00         ZZ
                                         360         79,000.00          1
                                       6.750            512.39         64
                                       6.500            512.39
    ROSEVILLE        MI   48038          2            02/04/03         00
    0415494301                           05           03/01/03          0
    0415494301                           N            02/01/33
    0

    8413187          E22/G02             F           78,992.00         ZZ
                                         240         78,992.00          1
                                       6.125            571.63         80
                                       5.875            571.63
    FORT WORTH       TX   76135          1            02/03/03         00
    0415732619                           03           03/01/03          0
    0415732619                           O            02/01/23
    0

    8413199          U05/G02             F          188,000.00         ZZ
                                         360        188,000.00          1
                                       6.375          1,172.88         80
                                       6.125          1,172.88
    GUNTER           TX   75058          5            01/16/03         00
    0435333380                           05           03/01/03          0
    3295767                              O            02/01/33
    0

1

    8413203          E22/G02             F          400,000.00         ZZ
                                         360        400,000.00          3
                                       6.625          2,561.24         59
                                       6.375          2,561.24
    BOULDER          CO   80302          5            01/30/03         00
    0415799907                           05           03/01/03          0
    0415799907                           O            02/01/33
    0

    8413223          E22/G02             F          126,000.00         ZZ
                                         360        126,000.00          1
                                       6.875            827.73         90
                                       6.625            827.73
    MEDICAL LAKE     WA   99022          1            01/15/03         10
    0415865799                           05           03/01/03         30
    0415865799                           O            02/01/33
    0

    8413245          E22/G02             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.250          1,847.15         82
                                       6.000          1,847.15
    TAMPA            FL   33602          2            01/30/03         04
    0415901354                           09           03/01/03         12
    0415901354                           O            02/01/33
    0

    8413261          E22/G02             F          105,100.00         ZZ
                                         360        105,100.00          1
                                       6.375            655.69         78
                                       6.125            655.69
    CRYSTAL LAKE     IL   60014          2            01/30/03         00
    0415910611                           05           03/01/03          0
    0415910611                           O            02/01/33
    0

    8413293          E22/G02             F          218,100.00         ZZ
                                         360        218,100.00          1
                                       6.625          1,396.52         73
                                       6.375          1,396.52
    BAYVILLE         NJ   08721          5            01/30/03         00
    0415966258                           05           03/01/03          0
    0415966258                           O            02/01/33
    0

    8413295          E22/G02             F          162,000.00         ZZ
                                         360        162,000.00          1
                                       6.375          1,010.67         80
                                       6.125          1,010.67
1

    HOLLY SPRINGS    NC   27540          2            01/30/03         00
    0415968700                           05           03/01/03          0
    0415968700                           O            02/01/33
    0

    8413313          E22/G02             F          131,000.00         ZZ
                                         360        131,000.00          1
                                       6.500            828.01         55
                                       6.250            828.01
    PFLUGERVILLE     TX   78660          5            01/29/03         00
    0416003580                           05           03/01/03          0
    0416003580                           O            02/01/33
    0

    8413321          E22/G02             F          484,000.00         ZZ
                                         360        484,000.00          1
                                       6.125          2,940.84         80
                                       5.875          2,940.84
    SAN FRANCISCO    CA   94116          2            01/27/03         00
    0416010932                           05           03/01/03          0
    0416010932                           O            02/01/33
    0

    8413331          E22/G02             F          592,000.00         ZZ
                                         360        592,000.00          1
                                       6.125          3,597.05         80
                                       5.875          3,597.05
    NEWPORT BEACH    CA   92625          1            01/28/03         00
    0416023331                           09           03/01/03          0
    0416023331                           O            02/01/33
    0

    8413425          G34/G02             F          140,900.00         ZZ
                                         360        140,900.00          1
                                       7.000            937.41        100
                                       6.750            937.41
    LAS VEGAS        NV   89147          1            01/29/03         01
    0435330816                           05           03/01/03         35
    77380044                             O            02/01/33
    0

    8413455          M27/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.125          1,215.22         72
                                       5.875          1,215.22
    RALEIGH          NC   27610          1            01/30/03         00
    0435331301                           03           03/01/03          0
    100020173                            O            02/01/33
    0
1

    8413465          A06/G02             F          116,400.00         ZZ
                                         360        116,400.00          1
                                       6.500            735.73         80
                                       6.250            735.73
    PLEASANT RIDGE   MI   48069          1            01/28/03         00
    0435326921                           05           03/01/03          0
    021000020300623                      N            02/01/33
    0

    8414171          X82/G02             F          217,800.00         ZZ
                                         360        217,800.00          1
                                       6.375          1,358.79         78
                                       6.125          1,358.79
    ALEXANDRIA       VA   22309          2            01/27/03         00
    0435320957                           09           03/01/03          0
    841088                               O            02/01/33
    0

    8414277          A06/G02             F          448,000.00         ZZ
                                         360        448,000.00          1
                                       6.125          2,722.10         80
                                       5.875          2,722.10
    WALLED LAKE      MI   48390          5            01/29/03         00
    0435332127                           05           03/01/03          0
    025000020234414                      O            02/01/33
    0

    8414291          F89/G02             F          495,000.00         ZZ
                                         360        495,000.00          1
                                       6.500          3,128.74         69
                                       6.250          3,128.74
    WOODLAND HILLS   CA   91364          2            01/17/03         00
    0435333695                           05           03/01/03          0
    11623254                             O            02/01/33
    0

    8414461          U05/G02             F          204,250.00         ZZ
                                         360        204,250.00          1
                                       6.375          1,274.25         95
                                       6.125          1,274.25
    SACRAMENTO       CA   95821          1            01/09/03         04
    0435329180                           05           03/01/03         30
    3296456                              O            02/01/33
    0

    8414557          975/G02             F          261,600.00         ZZ
                                         360        261,600.00          1
1

                                       6.375          1,632.04         80
                                       6.125          1,632.04
    GARDEN GROVE     CA   92841          5            01/17/03         00
    0435330832                           05           03/01/03          0
    2030257                              O            02/01/33
    0

    8414697          A06/G02             F          121,600.00         ZZ
                                         360        121,600.00          1
                                       6.000            729.06         80
                                       5.750            729.06
    OAK PARK         MI   48237          2            01/29/03         00
    0435331590                           05           03/01/03          0
    021000020234222                      O            02/01/33
    0

    8415327          E22/G02             F           85,000.00         ZZ
                                         240         85,000.00          1
                                       6.125            615.11         67
                                       5.875            615.11
    CARROLLTON       TX   75006          5            01/30/03         00
    0415590280                           05           03/01/03          0
    0415590280                           O            02/01/23
    0

    8415345          E22/G02             F          179,000.00         ZZ
                                         360        179,000.00          1
                                       6.250          1,102.13         80
                                       6.000          1,102.13
    COLUMBUS         OH   43206          5            01/31/03         00
    0415684364                           05           03/01/03          0
    0415684364                           O            02/01/33
    0

    8415347          E22/G02             F          164,500.00         ZZ
                                         360        164,500.00          1
                                       6.375          1,026.27         94
                                       6.125          1,026.27
    CIRCLEVILLE      OH   43113          2            01/31/03         11
    0415694132                           05           03/01/03         30
    0415694132                           O            02/01/33
    0

    8415365          E22/G02             F          189,600.00         ZZ
                                         360        189,600.00          1
                                       6.500          1,198.40         72
                                       6.250          1,198.40
    STAFFORD         TX   77477          5            01/31/03         00
    0415744200                           03           03/01/03          0
1

    0415744200                           O            02/01/33
    0

    8415373          E22/G02             F          110,400.00         ZZ
                                         360        110,400.00          1
                                       6.750            716.05         80
                                       6.500            716.05
    NORTH RICHLAND   TX   76180          5            01/31/03         00
    0415768555                           05           03/01/03          0
    0415768555                           O            02/01/33
    0

    8415417          E22/G02             F          382,000.00         ZZ
                                         360        382,000.00          1
                                       6.250          2,352.04         77
                                       6.000          2,352.04
    OCEANSIDE        CA   92057          2            01/28/03         00
    0415776905                           03           03/01/03          0
    0415776905                           O            02/01/33
    0

    8415437          E22/G02             F          139,000.00         ZZ
                                         360        139,000.00          2
                                       6.500            878.57         60
                                       6.250            878.57
    PATERSON         NJ   07522          5            01/31/03         00
    0415829654                           05           03/01/03          0
    0415829654                           O            02/01/33
    0

    8415445          E22/G02             F          200,000.00         ZZ
                                         360        200,000.00          1
                                       6.250          1,231.43         78
                                       6.000          1,231.43
    FARMINGTON HILL  MI   48333          5            01/31/03         00
    0415854959                           05           03/01/03          0
    0415854959                           O            02/01/33
    0

    8415467          E22/G02             F           67,500.00         ZZ
                                         360         67,500.00          1
                                       6.875            443.43         89
                                       6.625            443.43
    PLATTSMOUTH      NE   68048          5            01/31/03         04
    0415886977                           05           03/01/03         25
    0415886977                           O            02/01/33
    0

1

    8415489          E22/G02             F          108,000.00         ZZ
                                         360        108,000.00          1
                                       6.500            682.63         80
                                       6.250            682.63
    ATWATER          CA   95301          1            01/28/03         00
    0415906023                           05           03/01/03          0
    0415906023                           N            02/01/33
    0

    8415523          E22/G02             F          240,000.00         ZZ
                                         360        240,000.00          1
                                       6.375          1,497.29         80
                                       6.125          1,497.29
    LAS VEGAS        NV   89120          5            01/29/03         00
    0415929462                           05           03/01/03          0
    0415929462                           O            02/01/33
    0

    8415533          E22/G02             F          225,000.00         ZZ
                                         360        225,000.00          1
                                       6.750          1,459.35         85
                                       6.500          1,459.35
    GREAT FALLS      MT   59404          5            01/31/03         01
    0415941665                           05           03/01/03         12
    0415941665                           O            02/01/33
    0

    8415561          E22/G02             F           70,200.00         ZZ
                                         360         70,200.00          1
                                       6.750            455.32         90
                                       6.500            455.32
    ROCKY MOUNT      VA   24151          5            01/31/03         04
    0415965391                           05           03/01/03         25
    0415965391                           O            02/01/33
    0

    8415579          E22/G02             F          106,400.00         ZZ
                                         360        106,400.00          1
                                       5.875            629.40         80
                                       5.625            629.40
    GOLD HILL        OR   97525          2            01/28/03         00
    0415983238                           05           03/01/03          0
    0415983238                           O            02/01/33
    0

    8416351          Q14/G02             F          106,000.00         ZZ
                                         360        106,000.00          1
                                       6.250            652.66         85
                                       6.000            652.66
1

    KANSAS CITY      MO   64119          2            01/28/03         01
    0435330089                           05           03/01/03         12
    0000311138                           O            02/01/33
    0

    8418025          253/253             F           89,300.00         ZZ
                                         360         89,300.00          1
                                       6.250            549.84         47
                                       6.000            549.84
    CLARKSVILLE      TN   37043          5            01/28/03         00
    456232                               05           03/01/03          0
    456232                               O            02/01/33
    0

    8419133          U05/G02             F           50,000.00         ZZ
                                         360         50,000.00          1
                                       6.875            328.46         72
                                       6.625            328.46
    HEMET            CA   92544          1            01/28/03         00
    0435326897                           01           03/01/03          0
    3309853                              N            02/01/33
    0

    8419309          U05/G02             F          184,800.00         ZZ
                                         360        184,800.00          1
                                       6.250          1,137.85         80
                                       6.000          1,137.85
    KENT             WA   98032          5            01/16/03         00
    0435330477                           03           03/01/03          0
    3281711                              O            02/01/33
    0

    8421513          E22/G02             F          331,000.00         ZZ
                                         360        331,000.00          1
                                       6.125          2,011.19         77
                                       5.875          2,011.19
    PINOLE           CA   94564          2            01/22/03         00
    0415732957                           05           03/01/03          0
    0415732957                           O            02/01/33
    0

    8423017          K15/G02             F          264,400.00         ZZ
                                         360        264,400.00          1
                                       7.125          1,781.31         90
                                       6.875          1,781.31
    BRIDGEWATER      NJ   08807          5            01/24/03         41
    0435341987                           01           03/01/03         25
    010905510078                         O            02/01/33
    0
1

    8423455          Q14/G02             F          106,200.00         ZZ
                                         360        106,200.00          1
                                       6.500            671.26         90
                                       6.250            671.26
    MARION           IA   52302          5            01/31/03         01
    0435331277                           05           03/01/03         25
    0000211257                           O            02/01/33
    0

    8423495          G34/G02             F           54,000.00         ZZ
                                         360         54,000.00          1
                                       7.500            377.58         75
                                       7.250            377.58
    SANTA TERESA     NM   88008          1            01/30/03         00
    0435341649                           05           03/01/03          0
    85212630                             N            02/01/33
    0

    8423673          X82/G02             F          219,850.00         ZZ
                                         360        219,850.00          1
                                       7.125          1,481.17         65
                                       6.875          1,481.17
    ARLINGTON        VA   22204          5            01/29/03         00
    0435333430                           05           03/01/03          0
    849161                               N            02/01/33
    0

    8425749          253/253             F          217,000.00         ZZ
                                         360        217,000.00          1
                                       6.250          1,336.11         77
                                       6.000          1,336.11
    FARMINGTON       MN   55024          2            01/28/03         00
    453652                               05           03/01/03          0
    453652                               O            02/01/33
    0

    8425851          K15/G02             F          245,000.00         ZZ
                                         360        245,000.00          1
                                       6.500          1,548.57         68
                                       6.250          1,548.57
    TROY             MI   48098          2            01/31/03         00
    0435347158                           05           03/01/03          0
    035005510421                         N            02/01/33
    0

    8426331          696/G02             F          191,200.00         ZZ
                                         360        191,200.00          1
1

                                       6.500          1,208.51         80
                                       6.250          1,208.51
    WOODBRIDGE       VA   22192          1            01/31/03         00
    0435331798                           09           03/01/03          0
    24602354                             O            02/01/33
    0

    8432605          E22/G02             F          118,800.00         ZZ
                                         360        118,800.00          1
                                       6.375            741.16         80
                                       6.125            741.16
    CARROLLTON       TX   75007          5            02/03/03         00
    0415690551                           05           03/01/03          0
    0415690551                           O            02/01/33
    0

    8432775          E22/G02             F          138,000.00         ZZ
                                         360        138,000.00          1
                                       6.125            838.50         80
                                       5.875            838.50
    TOLEDO           OH   43623          5            02/03/03         00
    0415854314                           05           03/01/03          0
    0415854314                           O            02/01/33
    0

    8432973          E22/G02             F          284,000.00         ZZ
                                         360        284,000.00          1
                                       6.375          1,771.79         76
                                       6.125          1,771.79
    FAIRVIEW         NC   28730          5            02/03/02         00
    0416003853                           05           03/01/03          0
    0416003853                           O            02/01/33
    0

   TOTAL NUMBER OF LOANS   :      2,216

   TOTAL ORIGINAL BALANCE  :   422,713,169.00

   TOTAL PRINCIPAL BALANCE :   422,408,254.70

   TOTAL ORIGINAL P+I      :     2,690,671.77

   TOTAL CURRENT P+I       :     2,690,671.77

                             ***************************
                             *      END OF REPORT      *
                             ***************************

<PAGE>

<TABLE>
<CAPTION>

                                   EXHIBIT TWO

                         SCHEDULE OF DISCOUNT FRACTIONS
                                                  Schedule of Discount Fractions

        Loan Number             Current Balance           Net Mortgage Rate           Discount Fraction           PO Balance
<S>       <C>                     <C>                          <C>                         <C>                      <C>
          8089189                 $167,305.42                  5.970%                      0.5000%                  $836.53
          8120737                 $478,127.99                  5.970%                      0.5000%                 $2,390.64
          8140641                 $288,173.07                  5.970%                      0.5000%                 $1,440.87
          8221451                 $156,034.41                  5.595%                      6.7500%                $10,532.32
          8242053                 $114,781.19                  5.970%                      0.5000%                  $573.91
          8242091                 $175,308.69                  5.845%                      2.5833%                 $4,528.81
          8246683                 $119,023.11                  5.970%                      0.5000%                  $595.12
          8251119                 $143,756.75                  5.720%                      4.6667%                 $6,708.65
          8257219                 $65,571.96                   5.845%                      2.5833%                 $1,693.94
          8270571                 $146,713.51                  5.845%                      2.5833%                 $3,790.10
          8277641                 $391,628.06                  5.970%                      0.5000%                 $1,958.14
          8279015                 $202,207.96                  5.970%                      0.5000%                 $1,011.04
          8279181                 $269,473.82                  5.845%                      2.5833%                 $6,961.41
          8279541                 $183,649.91                  5.970%                      0.5000%                  $918.25
          8281355                 $485,075.34                  5.970%                      0.5000%                 $2,425.38
          8283301                 $131,622.29                  5.970%                      0.5000%                  $658.11
          8283325                 $74,263.88                   5.970%                      0.5000%                  $371.32
          8283675                 $69,799.68                   5.970%                      0.5000%                  $349.00
          8283819                 $141,207.79                  5.970%                      0.5000%                  $706.04
          8284019                 $51,851.19                   5.970%                      0.5000%                  $259.26
          8284295                 $299,928.24                  5.970%                      0.5000%                 $1,499.64
          8284325                 $199,619.47                  5.970%                      0.5000%                  $998.10
          8284491                 $274,476.76                  5.970%                      0.5000%                 $1,372.38
          8284495                 $129,727.72                  5.970%                      0.5000%                  $648.64
          8284657                 $299,130.87                  5.970%                      0.5000%                 $1,495.65
          8284689                 $98,811.62                   5.970%                      0.5000%                  $494.06
          8287529                 $99,805.10                   5.845%                      2.5833%                 $2,578.30
          8287727                 $398,855.45                  5.970%                      0.5000%                 $1,994.28
          8289307                 $171,483.73                  5.720%                      4.6667%                 $8,002.57
          8290159                 $183,825.41                  5.970%                      0.5000%                  $919.13
          8292295                 $169,838.70                  5.970%                      0.5000%                  $849.19
          8296253                 $135,870.95                  5.970%                      0.5000%                  $679.35
          8296955                 $79,145.45                   5.845%                      2.5833%                 $2,044.59
          8301091                 $271,729.22                  5.720%                      4.6667%                $12,680.70
          8303053                 $163,045.15                  5.970%                      0.5000%                  $815.23
          8303057                 $116,689.17                  5.970%                      0.5000%                  $583.45
          8307797                 $107,897.53                  5.970%                      0.5000%                  $539.49
          8308501                 $329,686.88                  5.970%                      0.5000%                 $1,648.43
          8308991                 $268,463.08                  5.720%                      4.6667%                $12,528.28
          8309051                 $349,659.82                  5.845%                      2.5833%                 $9,032.88
          8309435                 $343,649.28                  5.595%                      6.7500%                $23,196.33
          8312893                 $149,857.67                  5.970%                      0.5000%                  $749.29
          8314177                 $107,497.91                  5.970%                      0.5000%                  $537.49
          8315723                 $71,931.68                   5.970%                      0.5000%                  $359.66
          8318537                 $114,688.42                  5.845%                      2.5833%                 $2,962.78
          8319753                 $399,570.51                  5.970%                      0.5000%                 $1,997.85
          8320643                 $157,350.56                  5.970%                      0.5000%                  $786.75
          8321231                 $102,902.27                  5.970%                      0.5000%                  $514.51
          8321585                 $359,658.42                  5.970%                      0.5000%                 $1,798.29
          8321863                 $313,694.81                  5.845%                      2.5833%                 $8,103.78
          8322773                 $177,831.10                  5.970%                      0.5000%                  $889.16
          8322853                 $199,805.61                  5.845%                      2.5833%                 $5,161.64
          8324467                 $439,582.51                  5.970%                      0.5000%                 $2,197.91

  Wednesday, February 19, 2003                                                                                         Page 1 of 9

          8325341                 $125,874.57                  5.720%                      4.6667%                 $5,874.15
          8325611                 $142,857.64                  5.720%                      4.6667%                 $6,666.69
          8326483                 $223,787.46                  5.970%                      0.5000%                 $1,118.94
          8328149                 $236,775.12                  5.970%                      0.5000%                 $1,183.88
          8329147                 $399,611.23                  5.845%                      2.5833%                $10,323.29
          8329279                 $130,239.51                  5.720%                      4.6667%                 $6,077.84
          8329723                 $133,000.00                  5.845%                      2.5833%                 $3,435.83
          8330363                 $97,507.39                   5.970%                      0.5000%                  $487.54
          8330515                 $191,817.82                  5.970%                      0.5000%                  $959.09
          8331163                 $152,102.02                  5.845%                      2.5833%                 $3,929.30
          8331677                 $107,797.62                  5.970%                      0.5000%                  $538.99
          8331975                 $299,708.42                  5.845%                      2.5833%                 $7,742.47
          8331979                 $544,000.00                  5.970%                      0.5000%                 $2,720.00
          8335697                 $78,425.51                   5.970%                      0.5000%                  $392.13
          8335855                 $188,000.00                  5.970%                      0.5000%                  $940.00
          8336641                 $165,000.00                  5.970%                      0.5000%                  $825.00
          8336801                 $399,620.46                  5.970%                      0.5000%                 $1,998.10
          8338417                 $175,000.00                  5.970%                      0.5000%                  $875.00
          8338819                 $45,000.00                   5.970%                      0.5000%                  $225.00
          8338823                 $107,400.00                  5.970%                      0.5000%                  $537.00
          8338835                 $119,378.16                  5.595%                      6.7500%                 $8,058.03
          8338839                 $621,000.00                  5.970%                      0.5000%                 $3,105.00
          8339779                 $267,739.52                  5.845%                      2.5833%                 $6,916.60
          8339921                 $352,225.48                  5.970%                      0.5000%                 $1,761.13
          8340312                 $374,644.18                  5.970%                      0.5000%                 $1,873.22
          8341079                 $399,620.46                  5.970%                      0.5000%                 $1,998.10
          8341121                 $319,391.16                  5.970%                      0.5000%                 $1,596.96
          8341167                 $399,238.95                  5.970%                      0.5000%                 $1,996.19
          8341323                 $495,555.34                  5.970%                      0.5000%                 $2,477.78
          8341355                 $479,544.55                  5.970%                      0.5000%                 $2,397.72
          8342164                 $95,908.91                   5.970%                      0.5000%                  $479.54
          8342316                 $437,176.79                  5.970%                      0.5000%                 $2,185.88
          8342369                 $279,000.00                  5.845%                      2.5833%                 $7,207.50
          8342409                 $231,200.00                  5.970%                      0.5000%                 $1,156.00
          8342429                 $126,000.00                  5.970%                      0.5000%                  $630.00
          8342463                 $309,000.00                  5.970%                      0.5000%                 $1,545.00
          8342465                 $307,700.00                  5.720%                      4.6667%                $14,359.33
          8342525                 $244,000.00                  5.845%                      2.5833%                 $6,303.33
          8342529                 $90,000.00                   5.970%                      0.5000%                  $450.00
          8342591                 $234,000.00                  5.595%                      6.7500%                $15,795.00
          8342778                 $363,654.62                  5.970%                      0.5000%                 $1,818.27
          8342873                 $259,753.31                  5.970%                      0.5000%                 $1,298.77
          8343611                 $560,000.00                  5.970%                      0.5000%                 $2,800.00
          8343821                 $191,800.00                  5.970%                      0.5000%                  $959.00
          8343943                 $80,000.00                   5.845%                      2.5833%                 $2,066.67
          8344119                 $230,980.63                  5.970%                      0.5000%                 $1,154.90
          8344973                 $456,000.00                  5.720%                      4.6667%                $21,280.00
          8345015                 $258,548.46                  5.845%                      2.5833%                 $6,679.17
          8345299                 $219,791.25                  5.970%                      0.5000%                 $1,098.96
          8345363                 $75,877.93                   5.970%                      0.5000%                  $379.39
          8345720                 $293,000.00                  5.970%                      0.5000%                 $1,465.00
          8345739                 $82,400.00                   5.970%                      0.5000%                  $412.00
          8345789                 $182,000.00                  5.845%                      2.5833%                 $4,701.67
          8345859                 $82,400.00                   5.970%                      0.5000%                  $412.00
          8345939                 $119,886.14                  5.970%                      0.5000%                  $599.43
          8346007                 $117,600.00                  5.970%                      0.5000%                  $588.00
          8346633                 $418,592.76                  5.845%                      2.5833%                $10,813.65

  Wednesday, February 19, 2003                                                                                         Page 2 of 9

          8346635                 $544,482.88                  5.970%                      0.5000%                 $2,722.41
          8346637                 $421,599.59                  5.970%                      0.5000%                 $2,108.00
          8346641                 $649,368.24                  5.845%                      2.5833%                $16,775.35
          8346643                 $334,839.22                  5.845%                      2.5833%                 $8,650.01
          8346645                 $348,668.86                  5.970%                      0.5000%                 $1,743.34
          8346647                 $403,607.33                  5.845%                      2.5833%                $10,426.52
          8346649                 $384,634.70                  5.970%                      0.5000%                 $1,923.17
          8346651                 $502,994.03                  5.720%                      4.6667%                $23,473.05
          8346655                 $370,098.51                  5.970%                      0.5000%                 $1,850.49
          8346657                 $343,039.17                  5.720%                      4.6667%                $16,008.49
          8346661                 $561,366.85                  5.970%                      0.5000%                 $2,806.83
          8346851                 $393,927.87                  5.595%                      6.7500%                $26,590.13
          8346890                 $555,000.00                  5.970%                      0.5000%                 $2,775.00
          8347116                 $372,000.00                  5.970%                      0.5000%                 $1,860.00
          8347788                 $251,250.00                  5.845%                      2.5833%                 $6,490.63
          8348027                 $79,844.17                   5.970%                      0.5000%                  $399.22
          8349107                 $100,904.16                  5.970%                      0.5000%                  $504.52
          8350521                 $89,914.60                   5.970%                      0.5000%                  $449.57
          8350541                 $544,575.00                  5.845%                      2.5833%                $14,068.19
          8350545                 $88,800.00                   5.845%                      2.5833%                 $2,294.00
          8350575                 $195,000.00                  5.970%                      0.5000%                  $975.00
          8350593                 $239,000.00                  5.845%                      2.5833%                 $6,174.17
          8350643                 $210,000.00                  5.970%                      0.5000%                 $1,050.00
          8350645                 $107,817.60                  5.970%                      0.5000%                  $539.09
          8350683                 $248,000.00                  5.845%                      2.5833%                 $6,406.67
          8350715                 $183,200.00                  5.970%                      0.5000%                  $916.00
          8350723                 $244,000.00                  5.595%                      6.7500%                $16,470.00
          8351719                 $204,805.49                  5.970%                      0.5000%                 $1,024.03
          8353169                 $190,000.00                  5.720%                      4.6667%                 $8,866.67
          8353545                 $492,532.22                  5.970%                      0.5000%                 $2,462.66
          8353565                 $322,700.00                  5.970%                      0.5000%                 $1,613.50
          8353591                 $134,871.90                  5.970%                      0.5000%                  $674.36
          8353711                 $359,658.42                  5.970%                      0.5000%                 $1,798.29
          8354493                 $199,810.24                  5.970%                      0.5000%                  $999.05
          8354781                 $110,700.00                  5.970%                      0.5000%                  $553.50
          8354829                 $195,950.00                  5.970%                      0.5000%                  $979.75
          8354899                 $310,000.00                  5.970%                      0.5000%                 $1,550.00
          8354965                 $143,800.00                  5.970%                      0.5000%                  $719.00
          8354991                 $182,000.00                  5.845%                      2.5833%                 $4,701.67
          8355065                 $628,000.00                  5.845%                      2.5833%                $16,223.33
          8355113                 $107,000.00                  5.970%                      0.5000%                  $535.00
          8355531                 $455,567.33                  5.970%                      0.5000%                 $2,277.84
          8356199                 $464,000.00                  5.970%                      0.5000%                 $2,320.00
          8357557                 $304,689.04                  5.595%                      6.7500%                $20,566.51
          8357731                 $288,000.00                  5.970%                      0.5000%                 $1,440.00
          8358403                 $161,600.00                  5.970%                      0.5000%                  $808.00
          8358673                 $94,500.00                   5.845%                      2.5833%                 $2,441.25
          8358697                 $540,000.00                  5.845%                      2.5833%                $13,950.00
          8358753                 $252,000.00                  5.845%                      2.5833%                 $6,510.00
          8358771                 $255,500.00                  5.970%                      0.5000%                 $1,277.50
          8358777                 $396,000.00                  5.970%                      0.5000%                 $1,980.00
          8358779                 $450,000.00                  5.845%                      2.5833%                $11,625.00
          8358829                 $444,577.77                  5.970%                      0.5000%                 $2,222.89
          8358833                 $114,600.00                  5.845%                      2.5833%                 $2,960.50
          8358853                 $208,000.00                  5.720%                      4.6667%                 $9,706.67
          8358953                 $340,000.00                  5.970%                      0.5000%                 $1,700.00
          8360011                 $117,876.80                  5.470%                      8.8333%                $10,412.45

  Wednesday, February 19, 2003                                                                                         Page 3 of 9

          8361049                 $98,772.56                   5.720%                      4.6667%                 $4,609.39
          8361415                 $256,000.00                  5.720%                      4.6667%                $11,946.67
          8361425                 $151,000.00                  5.720%                      4.6667%                 $7,046.67
          8361453                 $235,975.89                  5.970%                      0.5000%                 $1,179.88
          8362023                 $114,400.00                  5.845%                      2.5833%                 $2,955.33
          8363775                 $175,000.00                  5.845%                      2.5833%                 $4,520.83
          8364935                 $131,000.00                  5.845%                      2.5833%                 $3,384.17
          8364953                 $277,600.00                  5.970%                      0.5000%                 $1,388.00
          8364977                 $190,000.00                  5.720%                      4.6667%                 $8,866.67
          8364981                 $172,500.00                  5.970%                      0.5000%                  $862.50
          8364993                 $240,000.00                  5.970%                      0.5000%                 $1,200.00
          8365023                 $151,000.00                  5.970%                      0.5000%                  $755.00
          8365029                 $380,000.00                  5.970%                      0.5000%                 $1,900.00
          8365109                 $175,750.00                  5.845%                      2.5833%                 $4,540.21
          8365137                 $123,300.00                  5.845%                      2.5833%                 $3,185.25
          8365147                 $110,000.00                  5.970%                      0.5000%                  $550.00
          8365167                 $65,000.00                   5.970%                      0.5000%                  $325.00
          8365181                 $546,000.00                  5.845%                      2.5833%                $14,105.00
          8365215                 $286,000.00                  5.970%                      0.5000%                 $1,430.00
          8366545                 $82,000.00                   5.970%                      0.5000%                  $410.00
          8366597                 $240,000.00                  5.970%                      0.5000%                 $1,200.00
          8367195                 $365,000.00                  5.970%                      0.5000%                 $1,825.00
          8367581                 $500,000.00                  5.845%                      2.5833%                $12,916.67
          8367691                 $144,000.00                  5.970%                      0.5000%                  $720.00
          8367855                 $230,281.29                  5.970%                      0.5000%                 $1,151.41
          8368549                 $232,600.00                  5.970%                      0.5000%                 $1,163.00
          8368587                 $138,000.00                  5.845%                      2.5833%                 $3,565.00
          8368609                 $267,000.00                  5.970%                      0.5000%                 $1,335.00
          8368653                 $152,800.00                  5.595%                      6.7500%                $10,314.00
          8368657                 $255,600.00                  5.595%                      6.7500%                $17,253.00
          8368697                 $500,000.00                  5.970%                      0.5000%                 $2,500.00
          8368819                 $166,500.00                  5.845%                      2.5833%                 $4,301.25
          8369099                 $199,200.00                  5.720%                      4.6667%                 $9,296.00
          8371939                 $381,000.00                  5.970%                      0.5000%                 $1,905.00
          8371945                 $413,000.00                  5.970%                      0.5000%                 $2,065.00
          8371953                 $460,000.00                  5.970%                      0.5000%                 $2,300.00
          8372017                 $93,750.00                   5.970%                      0.5000%                  $468.75
          8372059                 $255,000.00                  5.970%                      0.5000%                 $1,275.00
          8372129                 $80,000.00                   5.595%                      6.7500%                 $5,400.00
          8372171                 $106,000.00                  5.970%                      0.5000%                  $530.00
          8372185                 $113,400.00                  5.970%                      0.5000%                  $567.00
          8372187                 $103,000.00                  5.970%                      0.5000%                  $515.00
          8372385                 $212,900.00                  5.845%                      2.5833%                 $5,499.92
          8372485                 $259,000.00                  5.970%                      0.5000%                 $1,295.00
          8373295                 $343,673.60                  5.970%                      0.5000%                 $1,718.37
          8373507                 $158,000.00                  5.970%                      0.5000%                  $790.00
          8373615                 $299,708.42                  5.845%                      2.5833%                 $7,742.47
          8374637                 $134,300.00                  5.720%                      4.6667%                 $6,267.33
          8375121                 $400,000.00                  5.970%                      0.5000%                 $2,000.00
          8375221                 $69,300.00                   5.970%                      0.5000%                  $346.50
          8375879                 $182,000.00                  5.720%                      4.6667%                 $8,493.33
          8375939                 $239,761.08                  5.720%                      4.6667%                $11,188.85
          8375945                 $160,400.00                  5.720%                      4.6667%                 $7,485.33
          8375947                 $152,000.00                  5.970%                      0.5000%                  $760.00
          8375953                 $147,000.00                  5.970%                      0.5000%                  $735.00
          8375955                 $259,734.92                  5.595%                      6.7500%                $17,532.11
          8375971                 $226,000.00                  5.720%                      4.6667%                $10,546.67

  Wednesday, February 19, 2003                                                                                         Page 4 of 9

          8375995                 $119,558.45                  5.970%                      0.5000%                  $597.79
          8376019                 $273,733.69                  5.845%                      2.5833%                 $7,071.45
          8376021                 $336,180.71                  5.970%                      0.5000%                 $1,680.90
          8376051                 $94,907.67                   5.845%                      2.5833%                 $2,451.78
          8376067                 $133,000.00                  5.595%                      6.7500%                 $8,977.50
          8376091                 $140,800.00                  5.595%                      6.7500%                 $9,504.00
          8376093                 $461,051.45                  5.845%                      2.5833%                $11,910.50
          8376095                 $262,500.00                  5.595%                      6.7500%                $17,718.75
          8376103                 $177,826.99                  5.845%                      2.5833%                 $4,593.86
          8376107                 $299,708.42                  5.845%                      2.5833%                 $7,742.47
          8376111                 $299,708.42                  5.845%                      2.5833%                 $7,742.47
          8376117                 $183,816.83                  5.720%                      4.6667%                 $8,578.12
          8376133                 $139,867.17                  5.970%                      0.5000%                  $699.34
          8376147                 $199,810.24                  5.970%                      0.5000%                  $999.05
          8376163                 $101,733.67                  5.470%                      8.8333%                 $8,986.47
          8376167                 $145,000.00                  5.970%                      0.5000%                  $725.00
          8376177                 $264,736.19                  5.720%                      4.6667%                $12,354.36
          8376189                 $170,837.74                  5.970%                      0.5000%                  $854.19
          8376197                 $142,354.72                  5.595%                      6.7500%                 $9,608.94
          8376213                 $264,729.82                  5.595%                      6.7500%                $17,869.26
          8376215                 $232,000.00                  5.970%                      0.5000%                 $1,160.00
          8376229                 $180,828.26                  5.970%                      0.5000%                  $904.14
          8376233                 $200,000.00                  5.470%                      8.8333%                $17,666.67
          8376235                 $501,512.08                  5.845%                      2.5833%                $12,955.73
          8376247                 $316,691.89                  5.845%                      2.5833%                 $8,181.21
          8376251                 $197,000.00                  5.970%                      0.5000%                  $985.00
          8376273                 $207,802.64                  5.970%                      0.5000%                 $1,039.01
          8376279                 $191,808.86                  5.720%                      4.6667%                 $8,951.08
          8376289                 $75,050.00                   5.720%                      4.6667%                 $3,502.33
          8376301                 $287,713.29                  5.720%                      4.6667%                $13,426.62
          8376313                 $209,501.03                  5.970%                      0.5000%                 $1,047.51
          8376321                 $243,757.10                  5.720%                      4.6667%                $11,375.33
          8376325                 $218,787.14                  5.845%                      2.5833%                 $5,652.00
          8376329                 $154,849.35                  5.845%                      2.5833%                 $4,000.27
          8376345                 $139,697.00                  5.720%                      4.6667%                 $6,519.19
          8376351                 $699,303.15                  5.720%                      4.6667%                $32,634.15
          8376359                 $206,606.14                  5.970%                      0.5000%                 $1,033.03
          8376427                 $369,600.00                  5.970%                      0.5000%                 $1,848.00
          8376433                 $250,000.00                  5.970%                      0.5000%                 $1,250.00
          8376437                 $286,207.90                  5.595%                      6.7500%                $19,319.03
          8376487                 $280,000.00                  5.470%                      8.8333%                $24,733.33
          8376495                 $190,718.87                  5.970%                      0.5000%                  $953.59
          8376503                 $116,888.98                  5.970%                      0.5000%                  $584.44
          8376543                 $225,520.00                  5.970%                      0.5000%                 $1,127.60
          8376545                 $371,350.00                  5.845%                      2.5833%                 $9,593.21
          8377003                 $90,100.00                   5.970%                      0.5000%                  $450.50
          8377047                 $81,000.00                   5.970%                      0.5000%                  $405.00
          8377055                 $160,000.00                  5.970%                      0.5000%                  $800.00
          8377135                 $239,600.00                  5.595%                      6.7500%                $16,173.00
          8377299                 $220,000.00                  5.845%                      2.5833%                 $5,683.33
          8377327                 $352,500.00                  5.970%                      0.5000%                 $1,762.50
          8377329                 $111,000.00                  5.720%                      4.6667%                 $5,180.00
          8377379                 $92,800.00                   5.970%                      0.5000%                  $464.00
          8377391                 $118,400.00                  5.720%                      4.6667%                 $5,525.33
          8377427                 $83,725.00                   5.845%                      2.5833%                 $2,162.90
          8377457                 $270,000.00                  5.845%                      2.5833%                 $6,975.00
          8377531                 $196,000.00                  5.970%                      0.5000%                  $980.00

  Wednesday, February 19, 2003                                                                                         Page 5 of 9

          8377533                 $256,000.00                  5.970%                      0.5000%                 $1,280.00
          8377539                 $295,000.00                  5.845%                      2.5833%                 $7,620.83
          8377551                 $96,000.00                   5.970%                      0.5000%                  $480.00
          8377577                 $104,000.00                  5.970%                      0.5000%                  $520.00
          8377637                 $635,000.00                  5.845%                      2.5833%                $16,404.17
          8377679                 $125,000.00                  5.720%                      4.6667%                 $5,833.33
          8377693                 $462,700.00                  5.845%                      2.5833%                $11,953.08
          8377697                 $423,750.00                  5.970%                      0.5000%                 $2,118.75
          8377701                 $215,000.00                  5.845%                      2.5833%                 $5,554.17
          8377715                 $111,650.00                  5.970%                      0.5000%                  $558.25
          8377717                 $141,600.00                  5.970%                      0.5000%                  $708.00
          8377899                 $299,000.00                  5.845%                      2.5833%                 $7,724.17
          8377957                 $169,600.00                  5.845%                      2.5833%                 $4,381.33
          8378191                 $262,000.00                  5.970%                      0.5000%                 $1,310.00
          8378653                 $113,430.00                  5.970%                      0.5000%                  $567.15
          8378663                 $175,000.00                  5.970%                      0.5000%                  $875.00
          8380341                 $300,000.00                  5.845%                      2.5833%                 $7,750.00
          8380359                 $210,000.00                  5.845%                      2.5833%                 $5,425.00
          8380409                 $134,000.00                  5.970%                      0.5000%                  $670.00
          8380445                 $457,000.00                  5.845%                      2.5833%                $11,805.83
          8380447                 $114,300.00                  5.845%                      2.5833%                 $2,952.75
          8380499                 $180,000.00                  5.970%                      0.5000%                  $900.00
          8380503                 $205,000.00                  5.970%                      0.5000%                 $1,025.00
          8380507                 $245,000.00                  5.970%                      0.5000%                 $1,225.00
          8380531                 $210,000.00                  5.595%                      6.7500%                $14,175.00
          8380551                 $124,925.00                  5.845%                      2.5833%                 $3,227.23
          8380573                 $269,737.58                  5.845%                      2.5833%                 $6,968.22
          8381011                 $181,430.00                  5.970%                      0.5000%                  $907.15
          8381493                 $352,000.00                  5.845%                      2.5833%                 $9,093.33
          8382023                 $364,000.00                  5.845%                      2.5833%                 $9,403.33
          8382773                 $229,600.00                  5.845%                      2.5833%                 $5,931.33
          8382859                 $129,000.00                  5.845%                      2.5833%                 $3,332.50
          8382871                 $200,000.00                  5.970%                      0.5000%                 $1,000.00
          8382891                 $429,000.00                  5.970%                      0.5000%                 $2,145.00
          8382979                 $210,000.00                  5.845%                      2.5833%                 $5,425.00
          8382991                 $220,000.00                  5.970%                      0.5000%                 $1,100.00
          8383007                 $78,500.00                   5.970%                      0.5000%                  $392.50
          8383109                 $60,100.00                   5.970%                      0.5000%                  $300.50
          8383813                 $182,000.00                  5.720%                      4.6667%                 $8,493.33
          8383851                 $153,600.00                  5.720%                      4.6667%                 $7,168.00
          8384259                 $159,100.00                  5.845%                      2.5833%                 $4,110.08
          8384551                 $108,000.00                  5.970%                      0.5000%                  $540.00
          8385609                 $280,500.00                  5.970%                      0.5000%                 $1,402.50
          8385701                 $384,102.45                  5.970%                      0.5000%                 $1,920.51
          8386217                 $49,700.00                   5.970%                      0.5000%                  $248.50
          8386257                 $92,000.00                   5.470%                      8.8333%                 $8,126.67
          8386287                 $200,000.00                  5.970%                      0.5000%                 $1,000.00
          8386297                 $155,000.00                  5.970%                      0.5000%                  $775.00
          8386325                 $121,000.00                  5.970%                      0.5000%                  $605.00
          8386327                 $299,700.00                  5.720%                      4.6667%                $13,986.00
          8386339                 $500,000.00                  5.845%                      2.5833%                $12,916.67
          8387221                 $300,700.00                  5.970%                      0.5000%                 $1,503.50
          8387295                 $220,000.00                  5.845%                      2.5833%                 $5,683.33
          8387617                 $280,000.00                  5.970%                      0.5000%                 $1,400.00
          8387771                 $224,000.00                  5.970%                      0.5000%                 $1,120.00
          8388529                 $340,000.00                  5.845%                      2.5833%                 $8,783.33
          8388647                 $174,825.79                  5.720%                      4.6667%                 $8,158.54

  Wednesday, February 19, 2003                                                                                         Page 6 of 9

          8392749                 $204,800.00                  5.970%                      0.5000%                 $1,024.00
          8392763                 $106,500.00                  5.845%                      2.5833%                 $2,751.25
          8392773                 $297,500.00                  5.845%                      2.5833%                 $7,685.42
          8392775                 $82,000.00                   5.845%                      2.5833%                 $2,118.33
          8392813                 $234,400.00                  5.970%                      0.5000%                 $1,172.00
          8392871                 $320,000.00                  5.970%                      0.5000%                 $1,600.00
          8392943                 $416,000.00                  5.845%                      2.5833%                $10,746.67
          8392967                 $560,000.00                  5.970%                      0.5000%                 $2,800.00
          8392973                 $92,800.00                   5.845%                      2.5833%                 $2,397.33
          8392977                 $292,000.00                  5.720%                      4.6667%                $13,626.67
          8393023                 $304,000.00                  5.845%                      2.5833%                 $7,853.33
          8393033                 $225,000.00                  5.970%                      0.5000%                 $1,125.00
          8393037                 $235,300.00                  5.595%                      6.7500%                $15,882.75
          8393171                 $368,000.00                  5.970%                      0.5000%                 $1,840.00
          8393741                 $231,000.00                  5.720%                      4.6667%                $10,780.00
          8393765                 $152,750.00                  5.970%                      0.5000%                  $763.75
          8394069                 $232,200.00                  5.970%                      0.5000%                 $1,161.00
          8394131                 $322,700.00                  5.845%                      2.5833%                 $8,336.42
          8394491                 $322,400.00                  5.720%                      4.6667%                $15,045.33
          8394617                 $406,000.00                  5.845%                      2.5833%                $10,488.33
          8395221                 $365,000.00                  5.720%                      4.6667%                $17,033.33
          8395241                 $600,000.00                  5.970%                      0.5000%                 $3,000.00
          8395261                 $117,000.00                  5.970%                      0.5000%                  $585.00
          8395263                 $132,300.00                  5.970%                      0.5000%                  $661.50
          8395269                 $120,600.00                  5.970%                      0.5000%                  $603.00
          8395271                 $108,000.00                  5.970%                      0.5000%                  $540.00
          8395285                 $117,600.00                  5.970%                      0.5000%                  $588.00
          8395301                 $270,000.00                  5.970%                      0.5000%                 $1,350.00
          8395305                 $169,600.00                  5.970%                      0.5000%                  $848.00
          8395319                 $144,000.00                  5.595%                      6.7500%                 $9,720.00
          8395331                 $247,000.00                  5.970%                      0.5000%                 $1,235.00
          8395349                 $374,000.00                  5.970%                      0.5000%                 $1,870.00
          8395371                 $126,400.00                  5.970%                      0.5000%                  $632.00
          8395391                 $295,000.00                  5.970%                      0.5000%                 $1,475.00
          8395785                 $272,000.00                  5.970%                      0.5000%                 $1,360.00
          8395873                 $337,000.00                  5.845%                      2.5833%                 $8,705.83
          8396691                 $305,000.00                  5.970%                      0.5000%                 $1,525.00
          8396807                 $160,160.00                  5.970%                      0.5000%                  $800.80
          8396829                 $275,000.00                  5.970%                      0.5000%                 $1,375.00
          8396857                 $248,000.00                  5.970%                      0.5000%                 $1,240.00
          8396897                 $76,000.00                   5.970%                      0.5000%                  $380.00
          8396935                 $165,750.00                  5.970%                      0.5000%                  $828.75
          8397081                 $173,850.00                  5.720%                      4.6667%                 $8,113.00
          8397305                 $179,484.96                  5.970%                      0.5000%                  $897.42
          8397579                 $300,000.00                  5.470%                      8.8333%                $26,500.00
          8397851                 $120,000.00                  5.845%                      2.5833%                 $3,100.00
          8397967                 $110,000.00                  5.970%                      0.5000%                  $550.00
          8398021                 $107,000.00                  5.970%                      0.5000%                  $535.00
          8398107                 $186,000.00                  5.845%                      2.5833%                 $4,805.00
          8398113                 $80,000.00                   5.970%                      0.5000%                  $400.00
          8398121                 $135,750.00                  5.970%                      0.5000%                  $678.75
          8398123                 $132,944.00                  5.970%                      0.5000%                  $664.72
          8398125                 $172,000.00                  5.970%                      0.5000%                  $860.00
          8398165                 $460,000.00                  5.970%                      0.5000%                 $2,300.00
          8398171                 $127,000.00                  5.970%                      0.5000%                  $635.00
          8398273                 $322,500.00                  5.970%                      0.5000%                 $1,612.50
          8398279                 $320,000.00                  5.970%                      0.5000%                 $1,600.00

  Wednesday, February 19, 2003                                                                                         Page 7 of 9

          8398293                 $228,000.00                  5.970%                      0.5000%                 $1,140.00
          8398307                 $140,800.00                  5.970%                      0.5000%                  $704.00
          8398365                 $121,000.00                  5.970%                      0.5000%                  $605.00
          8398381                 $260,000.00                  5.845%                      2.5833%                 $6,716.67
          8398617                 $382,000.00                  5.970%                      0.5000%                 $1,910.00
          8398785                 $181,250.00                  5.970%                      0.5000%                  $906.25
          8398863                 $158,000.00                  5.845%                      2.5833%                 $4,081.67
          8398867                 $180,900.00                  5.845%                      2.5833%                 $4,673.25
          8399215                 $132,000.00                  5.970%                      0.5000%                  $660.00
          8399709                 $329,000.00                  5.845%                      2.5833%                 $8,499.17
          8400523                 $412,500.00                  5.845%                      2.5833%                $10,656.25
          8400529                 $322,700.00                  5.845%                      2.5833%                 $8,336.42
          8400537                 $239,900.00                  5.845%                      2.5833%                 $6,197.42
          8400635                 $304,000.00                  5.720%                      4.6667%                $14,186.67
          8400657                 $250,000.00                  5.845%                      2.5833%                 $6,458.33
          8400675                 $270,000.00                  5.970%                      0.5000%                 $1,350.00
          8400743                 $406,450.00                  5.970%                      0.5000%                 $2,032.25
          8400789                 $580,000.00                  5.970%                      0.5000%                 $2,900.00
          8400807                 $272,000.00                  5.970%                      0.5000%                 $1,360.00
          8400819                 $360,000.00                  5.970%                      0.5000%                 $1,800.00
          8401417                 $83,000.00                   5.970%                      0.5000%                  $415.00
          8401533                 $346,400.00                  5.845%                      2.5833%                 $8,948.67
          8401631                 $261,000.00                  5.845%                      2.5833%                 $6,742.50
          8401759                 $112,000.00                  5.970%                      0.5000%                  $560.00
          8401771                 $145,000.00                  5.970%                      0.5000%                  $725.00
          8401879                 $220,000.00                  5.845%                      2.5833%                 $5,683.33
          8403461                 $117,000.00                  5.845%                      2.5833%                 $3,022.50
          8403467                 $145,300.00                  5.970%                      0.5000%                  $726.50
          8403585                 $262,000.00                  5.720%                      4.6667%                $12,226.67
          8403621                 $239,000.00                  5.845%                      2.5833%                 $6,174.17
          8403683                 $375,000.00                  5.970%                      0.5000%                 $1,875.00
          8403693                 $178,400.00                  5.970%                      0.5000%                  $892.00
          8403745                 $322,700.00                  5.845%                      2.5833%                 $8,336.42
          8403765                 $300,000.00                  5.845%                      2.5833%                 $7,750.00
          8403775                 $172,000.00                  5.845%                      2.5833%                 $4,443.33
          8403811                 $296,000.00                  5.970%                      0.5000%                 $1,480.00
          8403843                 $161,900.00                  5.845%                      2.5833%                 $4,182.42
          8403861                 $124,000.00                  5.970%                      0.5000%                  $620.00
          8403863                 $114,500.00                  5.595%                      6.7500%                 $7,728.75
          8403873                 $85,000.00                   5.970%                      0.5000%                  $425.00
          8403881                 $510,000.00                  5.845%                      2.5833%                $13,175.00
          8403939                 $233,000.00                  5.970%                      0.5000%                 $1,165.00
          8403991                 $166,400.00                  5.970%                      0.5000%                  $832.00
          8407873                 $139,000.00                  5.720%                      4.6667%                 $6,486.67
          8407981                 $362,700.00                  5.845%                      2.5833%                 $9,369.75
          8408551                 $148,500.00                  5.845%                      2.5833%                 $3,836.25
          8408577                 $233,600.00                  5.970%                      0.5000%                 $1,168.00
          8408579                 $171,000.00                  5.720%                      4.6667%                 $7,980.00
          8408619                 $148,000.00                  5.970%                      0.5000%                  $740.00
          8408639                 $132,000.00                  5.970%                      0.5000%                  $660.00
          8408701                 $115,200.00                  5.970%                      0.5000%                  $576.00
          8408707                 $387,000.00                  5.845%                      2.5833%                 $9,997.50
          8408719                 $70,000.00                   5.720%                      4.6667%                 $3,266.67
          8408933                 $420,000.00                  5.970%                      0.5000%                 $2,100.00
          8409737                 $432,000.00                  5.845%                      2.5833%                $11,160.00
          8409741                 $307,000.00                  5.845%                      2.5833%                 $7,930.83
          8410203                 $70,000.00                   5.970%                      0.5000%                  $350.00

  Wednesday, February 19, 2003                                                                                         Page 8 of 9

          8410429                 $344,000.00                  5.970%                      0.5000%                 $1,720.00
          8410469                 $399,000.00                  5.970%                      0.5000%                 $1,995.00
          8410793                 $247,900.00                  5.970%                      0.5000%                 $1,239.50
          8410987                 $420,000.00                  5.970%                      0.5000%                 $2,100.00
          8412307                 $336,000.00                  5.845%                      2.5833%                 $8,680.00
          8413065                 $122,550.00                  5.845%                      2.5833%                 $3,165.88
          8413187                 $78,992.00                   5.845%                      2.5833%                 $2,040.63
          8413245                 $300,000.00                  5.970%                      0.5000%                 $1,500.00
          8413321                 $484,000.00                  5.845%                      2.5833%                $12,503.33
          8413331                 $592,000.00                  5.845%                      2.5833%                $15,293.33
          8413455                 $200,000.00                  5.845%                      2.5833%                 $5,166.67
          8414277                 $448,000.00                  5.845%                      2.5833%                $11,573.33
          8414697                 $121,600.00                  5.720%                      4.6667%                 $5,674.67
          8415327                 $85,000.00                   5.845%                      2.5833%                 $2,195.83
          8415345                 $179,000.00                  5.970%                      0.5000%                  $895.00
          8415417                 $382,000.00                  5.970%                      0.5000%                 $1,910.00
          8415445                 $200,000.00                  5.970%                      0.5000%                 $1,000.00
          8415579                 $106,400.00                  5.595%                      6.7500%                 $7,182.00
          8416351                 $106,000.00                  5.970%                      0.5000%                  $530.00
          8418025                 $89,300.00                   5.970%                      0.5000%                  $446.50
          8419309                 $184,800.00                  5.970%                      0.5000%                  $924.00
          8421513                 $331,000.00                  5.845%                      2.5833%                 $8,550.83
          8425749                 $217,000.00                  5.970%                      0.5000%                 $1,085.00
          8432775                 $138,000.00                  5.845%                      2.5833%                 $3,565.00

  Wednesday, February 19, 2003                                                                                         Page 9 of 9

</TABLE>

<PAGE>

                                  EXHIBIT THREE

                          INFORMATION TO BE INCLUDED IN
                       MONTHLY DISTRIBUTION DATE STATEMENT

(i) (a) the amount of such distribution to the  Certificateholders of such Class
applied  to  reduce  the  Certificate  Principal  Balance  thereof,  and (b) the
aggregate amount included therein representing Principal Prepayments;

(ii) the amount of such  distribution  to Holders of such Class of  Certificates
allocable to interest;

(iii) if the  distribution  to the Holders of such Class of Certificates is less
than the full amount that would be  distributable  to such Holders if there were
sufficient funds available therefor, the amount of the shortfall;

(iv) the amount of any Advance by the Master Servicer pursuant to Section 4.04;

(v) the number and Pool Stated  Principal  Balance of the  Mortgage  Loans after
giving effect to the distribution of principal on such Distribution Date;

(vi) the aggregate  Certificate  Principal Balance of each Class of Certificates
and each of the Senior Percentage and Subordinate Class Percentage, after giving
effect  to  the  amounts  distributed  on  such  Distribution  Date,  separately
identifying any reduction  thereof due to Realized Losses other than pursuant to
an actual distribution of principal;

(vii) the  related  Subordinate  Principal  Distribution  Amount and  Prepayment
Distribution Percentage, if applicable;

(viii) on the basis of the most recent reports furnished to it by Sub-Servicers,
the  number  and  aggregate  principal  balances  of  Mortgage  Loans  that  are
Delinquent (A) 30-59 days, (B) 60-89 days and (C) 90 or more days and the number
and aggregate principal balance of Mortgage Loans that are in foreclosure;

(ix)  the  number,  aggregate  principal  balance  and  book  value  of any  REO
Properties;

(x) the aggregate  Accrued  Certificate  Interest  remaining unpaid, if any, for
each Class of Certificates, after giving effect to the distribution made on such
Distribution Date;

(xi) the Special  Hazard Amount,  Fraud Loss Amount and Bankruptcy  Amount as of
the close of business on such  Distribution Date and a description of any change
in the calculation of such amounts;

(xii) the weighted  average Pool Strip Rate for such  Distribution  Date and the
Pass-Through  Rate with respect to the Class A-V Certificates and each Subclass,
if any, thereof;

(xiii) the  Pass-Through  Rates on the Floater  Certificates and Inverse Floater
Certificates for such Distribution Date,  separately  identifying LIBOR for such
Distribution Date;

<PAGE>

(xiv)  the  Notional  Amount  with  respect  to  each  class  of  Interest  Only
Certificates and each Subclass Notional Amount;

(xv) the occurrence of the Credit Support Depletion Date;

(xvi) the related Senior Accelerated  Distribution Percentage applicable to such
distribution;

(xvii) the related Senior Percentage for such Distribution Date;

(xviii) the aggregate amount of Realized Losses for such Distribution Date;

(xix) the aggregate amount of any recoveries on previously foreclosed loans from
Sellers due to a breach of a representation  or warranty assigned to the Trustee
pursuant to Section 2.04;

(xx) the weighted average remaining term to maturity of the Mortgage Loans after
giving effect to the amounts distributed on such Distribution Date; and

(xxi) the weighted  average  Mortgage  Rates of the Mortgage  Loans after giving
effect to the amounts distributed on such Distribution Date.

        In the case of  information  furnished  pursuant to clauses (i) and (ii)
above,  the amounts shall be expressed as a dollar amount per Certificate with a
$1,000 denomination.

        The Trustee's internet website, and assistance in using the website, can
be  obtained  by  calling  the  Trustee's  Shareholder  Relations  desk at (800)
735-7777.  To receive this statement via first class mail, telephone the Trustee
at (800) 735-7777.

<PAGE>

                                  EXHIBIT FOUR

                     STANDARD TERMS OF POOLING AND SERVICING
                      AGREEMENT DATED AS OF AUGUST 1, 2002

                                 EXECUTION COPY

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

                                STANDARD TERMS OF
                         POOLING AND SERVICING AGREEMENT

                           Dated as of August 1, 2002

                        Residential Accredit Loans, Inc.
                 Mortgage Asset-Backed Pass-Through Certificates

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

<PAGE>
<TABLE>
<CAPTION>

                                TABLE OF CONTENTS

                                                                                            PAGE

                                                -i-

<S>                                                                                        <C>
Article I         DEFINITIONS...............................................................2

        Section 1.01. Definitions...........................................................2

        Section 1.02. Use of Words and Phrases.............................................31

Article II        CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........32

        Section 2.01. Conveyance of Mortgage Loans.........................................32

        Section 2.02. Acceptance by Trustee................................................38

        Section 2.03. Representations, Warranties and Covenants of the Master Servicer
               and the Company.............................................................39

        Section 2.04. Representations and Warranties of Sellers............................41

        Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates
               Evidencing Interests in REMIC I Certificates................................43

        Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests;
               Acceptance by the Trustee...................................................43

        Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II............43

        Section 2.08. Purposes and Powers of the Trust.....................................43

Article III       ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................44

        Section 3.01. Master Servicer to Act as Servicer...................................44

        Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement
               of Subservicers' and Sellers' Obligations...................................45

        Section 3.03. Successor Subservicers...............................................46

        Section 3.04. Liability of the Master Servicer.....................................47

        Section 3.05. No Contractual Relationship Between Subservicer and Trustee or
               Certificateholders..........................................................47

        Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee..... 47

        Section 3.07. Collection of Certain Mortgage Loan Payments;  Deposits to Custodial Account
               48

        Section 3.08. Subservicing Accounts; Servicing Accounts............................50

        Section 3.09. Access to Certain Documentation and  Information Regarding the
                        Mortgage Loans ....................................................52

        Section 3.10. Permitted Withdrawals from the Custodial Account.....................52

<PAGE>

        Section 3.11. Maintenance of the Primary Insurance  Policies; Collections Thereunder54

        Section 3.12. Maintenance of Fire Insurance and  Omissions and Fidelity Coverage...55

        Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and  Modification Agreements;
               Certain Assignments.........................................................56

        Section 3.14. Realization Upon Defaulted Mortgage Loans............................58

        Section 3.15. Trustee to Cooperate; Release of Mortgage Files......................61

        Section 3.16. Servicing and Other Compensation; Compensating Interest..............63

        Section 3.17. Reports to the Trustee and the Company...............................64

        Section 3.18. Annual Statement as to Compliance....................................64

        Section 3.19. Annual Independent Public Accountants' Servicing Report..............64

        Section 3.20. Rights of the Company in Respect of the Master Servicer..............65

        Section 3.21. Administration of Buydown Funds......................................65

Article IV        PAYMENTS TO CERTIFICATEHOLDERS...........................................67

        Section 4.01. Certificate Account..................................................67

        Section 4.02. Distributions........................................................67

        Section 4.03. Statements to Certificateholders.....................................67

        Section 4.04. Distribution of Reports to the Trustee and  the Company; Advances by the
               Master Servicer.............................................................68

        Section 4.05. Allocation of Realized Losses........................................70

        Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property........70

        Section 4.07. Optional Purchase of Defaulted Mortgage Loans........................70

        Section 4.08. Surety Bond..........................................................70

Article V         THE CERTIFICATES.........................................................72

        Section 5.01. The Certificates.....................................................72

        Section 5.02. Registration of Transfer and Exchange of Certificates................74

        Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates....................79

        Section 5.04. Persons Deemed Owners................................................80

        Section 5.05. Appointment of Paying Agent..........................................80
<PAGE>

Article VI        THE COMPANY AND THE MASTER SERVICER......................................81

        Section 6.01. Respective Liabilities of the Company and the Master Servicer........81

        Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of
               Rights and Delegation of Duties by Master Servicer..........................81

        Section 6.03. Limitation on Liability of the Company,  the Master Servicer and Others 82

        Section 6.04. Company and Master Servicer Not to Resign............................83

Article VII       DEFAULT..................................................................84

        Section 7.01. Events of Default....................................................84

        Section 7.02. Trustee or Company to Act; Appointment of Successor..................86

        Section 7.03. Notification to Certificateholders...................................87

        Section 7.04. Waiver of Events of Default..........................................87

Article VIII      CONCERNING THE TRUSTEE...................................................88

        Section 8.01. Duties of Trustee....................................................88

        Section 8.02. Certain Matters Affecting the Trustee................................89

        Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans................91

        Section 8.04. Trustee May Own Certificates.........................................91

        Section 8.05. Master Servicer to Pay Trustee's Fees  and Expenses; Indemnification.91

        Section 8.06. Eligibility Requirements for Trustee.................................92

        Section 8.07. Resignation and Removal of the Trustee...............................93

        Section 8.08. Successor Trustee....................................................93

        Section 8.09. Merger or Consolidation of Trustee...................................94

        Section 8.10. Appointment of Co-Trustee or Separate Trustee........................94

        Section 8.11. Appointment of Custodians............................................95

        Section 8.12. Appointment of Office or Agency......................................96

Article IX        TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES.....................97

        Section 9.01. Optional  Purchase by the Master Servicer of All Certificates; Termination
               Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans...97
<PAGE>

        Section 9.02. Additional Termination Requirements.................................100

        Section 9.03. Termination of Multiple REMICs......................................101

Article X         REMIC PROVISIONS........................................................102

        Section 10.01.REMIC Administration................................................102

        Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification....105

        Section 10.03.Designation of REMIC(s).............................................106

Article XI        MISCELLANEOUS PROVISIONS................................................107

        Section 11.01.Amendment...........................................................107

        Section 11.02.Recordation of Agreement; Counterparts..............................109

        Section 11.03.Limitation on Rights of Certificateholders..........................110

        Section 11.04.Governing Law.......................................................110

        Section 11.05.Notices.............................................................111

        Section 11.06.Required Notices to Rating Agency and Subservicer...................111

        Section 11.07.Severability of Provisions..........................................111

        Section 11.08.Supplemental Provisions for Resecuritization........................112

        Section 11.09.Allocation of Voting Rights.........................................112

        Section 11.10.No Petition.........................................................112

<PAGE>

                                    EXHIBITS

Exhibit A:      Form of Class A Certificate
Exhibit B:      Form of Class M Certificate
Exhibit C:      Form of Class B Certificate
Exhibit D:      Form of Class R Certificate
Exhibit E:      Form of Seller/Servicer Contract
Exhibit F:      Forms of Request for Release
Exhibit G-1:    Form of Transfer Affidavit and Agreement
Exhibit G-2:    Form of Transferor Certificate
Exhibit H:      Form of Investor Representation Letter
Exhibit I:      Form of Transferor Representation Letter
Exhibit J:      Form of Rule 144A Investment Representation Letter
Exhibit K:      Text of Amendment to Pooling and Servicing Agreement
                Pursuant to Section 11.01(e) for a Limited Guaranty
Exhibit L:      Form of Limited Guaranty
Exhibit M:      Form of Lender Certification for Assignment of Mortgage Loan
Exhibit N:      Request for Exchange Form

</TABLE>

<PAGE>

        This is the Standard Terms of Pooling and Servicing Agreement,  dated as
of August 1, 2002 (the "Standard Terms", and as incorporated by reference into a
Series  Supplement  dated as of the Cut-off  Date,  the "Pooling  and  Servicing
Agreement" or  "Agreement"),  among  RESIDENTIAL  ACCREDIT  LOANS,  INC., as the
company  (together with its permitted  successors and assigns,  the  "Company"),
RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted
successors  and assigns,  the "Master  Servicer"),  and the trustee named in the
applicable  Series  Supplement  (together  with  its  permitted  successors  and
assigns, the "Trustee").

                             PRELIMINARY STATEMENT:

        The Company intends to sell certain mortgage  asset-backed  pass-through
certificates  (collectively,  the  "Certificates"),   to  be  issued  under  the
Agreement in multiple  classes,  which in the aggregate will evidence the entire
beneficial ownership interest in the Mortgage Loans.

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

<PAGE>

                                   ARTICLE I

                                   DEFINITIONS

Section 1.01.  Definitions.

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

        Accretion Termination Date:  As defined in the Series Supplement.

        Accrual Certificates:  As defined in the Series Supplement.

        Accrued Certificate Interest: With respect to each Distribution Date, as
to any  Class  or  Subclass  of  Certificates  (other  than any  Principal  Only
Certificates),  interest  accrued during the related  Interest Accrual Period at
the related  Pass-Through Rate on the Certificate  Principal Balance or Notional
Amount thereof  immediately prior to such Distribution Date. Accrued Certificate
Interest will be calculated on the basis of a 360-day year, consisting of twelve
30-day  months.  In each  case  Accrued  Certificate  Interest  on any  Class or
Subclass of Certificates will be reduced by the amount of:

        (i)    Prepayment  Interest  Shortfalls on all Mortgage Loans or, if the
               Mortgage  Pool is comprised  of two or more Loan  Groups,  on the
               Mortgage  Loans in the  related  Loan  Group (to the  extent  not
               offset by the  Master  Servicer  with a payment  of  Compensating
               Interest as provided in Section 4.01),

         (ii)  the interest  portion  (adjusted to the Net Mortgage Rate (or the
               Modified  Net  Mortgage  Rate in the case of a Modified  Mortgage
               Loan))  of  Realized  Losses  on all  Mortgage  Loans  or, if the
               Mortgage  Pool is comprised  of two or more Loan  Groups,  on the
               Mortgage  Loans  in the  related  Loan  Group  (including  Excess
               Special Hazard  Losses,  Excess Fraud Losses,  Excess  Bankruptcy
               Losses and  Extraordinary  Losses) not allocated solely to one or
               more specific Classes of Certificates pursuant to Section 4.05,

         (iii) the interest  portion of Advances that were (A)  previously  made
               with  respect to a Mortgage  Loan or REO Property on all Mortgage
               Loans or, if the  Mortgage  Pool is comprised of two or more Loan
               Groups,  on the Mortgage  Loans in the related Loan Group,  which
               remained  unreimbursed  following  the  Cash  Liquidation  or REO
               Disposition  of such  Mortgage  Loan or REO Property and (B) made
               with respect to delinquencies that were ultimately  determined to
               be Excess  Special  Hazard  Losses,  Excess Fraud Losses,  Excess
               Bankruptcy Losses or Extraordinary Losses, and

        (iv)   any other interest  shortfalls  not covered by the  subordination
               provided by the Class M  Certificates  and Class B  Certificates,
               including  interest  that is not  collectible  from the Mortgagor
               pursuant to the Soldiers' and Sailors'  Civil Relief Act of 1940,
               as amended,  or similar  legislation  or regulations as in effect
               from time to time,

                                       2
<PAGE>

with  all  such  reductions  allocated  (A)  among  all of the  Certificates  in
proportion to their respective amounts of Accrued  Certificate  Interest payable
on such  Distribution Date absent such reductions or (B) if the Mortgage Pool is
comprised  of two or more Loan Groups,  the related  Senior  Percentage  of such
reductions among the related Senior Certificates in proportion to the amounts of
Accrued  Certificate  Interest  payable  from  the  related  Loan  Group on such
Distribution Date absent such reductions,  with the remainder of such reductions
allocated among the holders of the Class M Certificates and Class B Certificates
in  proportion  to their  respective  amounts  of Accrued  Certificate  Interest
payable on such  Distribution  Date absent such reductions.  In addition to that
portion of the reductions described in the preceding sentence that are allocated
to any  Class  of Class B  Certificates  or any  Class of Class M  Certificates,
Accrued Certificate Interest on such Class of Class B Certificates or such Class
of Class M Certificates will be reduced by the interest portion (adjusted to the
Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of
Class B Certificates  or such Class of Class M Certificates  pursuant to Section
4.05.

     Addendum and Assignment  Agreement:  The Addendum and Assignment Agreement,
dated as of January 31, 1995, between MLCC and the Master Servicer.

        Additional  Collateral:  Any of the  following  held, in addition to the
related  Mortgaged  Property,  as security for a Mortgage  Loan:  (i) all money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
rights,  instruments,  documents,  deposit  accounts,  certificates  of deposit,
commodities  contracts  and other  investment  property  and other  property  of
whatever kind or description now existing or hereafter acquired which is pledged
as  security  for  the  repayment  of  such  Mortgage  Loan,  (ii)   third-party
guarantees,  and (A) all money,  securities,  security  entitlements,  accounts,
general intangibles,  payment rights, instruments,  documents, deposit accounts,
certificates of deposit, commodities contracts and other investment property and
other  property of  whatever  kind or  description  now  existing  or  hereafter
acquired  which is pledged as collateral for such guarantee or (B) any mortgaged
property  securing  the  performance  of such  guarantee,  or (iii)  such  other
collateral as may be set forth in the Series Supplement.

     Additional  Collateral  Loan:  Each  Mortgage  Loan  that is  supported  by
Additional Collateral.

        Adjusted  Mortgage Rate:  With respect to any Mortgage Loan and any date
of determination, the Mortgage Rate borne by the related Mortgage Note, less the
rate at which the related Subservicing Fee accrues.

     Advance:  As to any Mortgage Loan, any advance made by the Master Servicer,
pursuant to Section 4.04.

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

                                       3
<PAGE>

     Ambac:  Ambac  Assurance  Corporation  (formerly  known as AMBAC  Indemnity
Corporation).

        Amount Held for Future  Distribution:  As to any Distribution  Date and,
with respect to any Mortgage  Pool that is comprised of two or more Loan Groups,
each Loan Group,  the total of the amounts held in the Custodial  Account at the
close  of  business  on the  preceding  Determination  Date  on  account  of (i)
Liquidation Proceeds, Subsequent Recoveries,  Insurance Proceeds,  Curtailments,
Mortgage Loan  purchases made pursuant to Section 2.02,  2.03,  2.04 or 4.07 and
Mortgage  Loan  substitutions  made pursuant to Section 2.03 or 2.04 received or
made in the  month  of such  Distribution  Date  (other  than  such  Liquidation
Proceeds,  Insurance  Proceeds and  purchases of Mortgage  Loans that the Master
Servicer has deemed to have been received in the  preceding  month in accordance
with Section 3.07(b)),  and Principal Prepayments in Full made after the related
Prepayment  Period, and (ii) payments which represent early receipt of scheduled
payments of  principal  and interest  due on a date or dates  subsequent  to the
related Due Date.

        Appraised  Value:  As to any Mortgaged  Property,  the lesser of (i) the
appraised value of such Mortgaged  Property based upon the appraisal made at the
time of the  origination of the related  Mortgage Loan, and (ii) the sales price
of the Mortgaged  Property at such time of origination,  except in the case of a
Mortgaged  Property  securing a refinanced or modified Mortgage Loan as to which
it is  either  the  appraised  value  determined  above or the  appraised  value
determined in an appraisal at the time of  refinancing or  modification,  as the
case may be.

        Assigned  Contracts:  With respect to any Pledged Asset Loan: the Credit
Support Pledge Agreement; the Funding and Pledge Agreement,  among GMAC Mortgage
Corporation,  National Financial Services Corporation and the Mortgagor or other
person pledging the related Pledged Assets; the Additional Collateral Agreement,
between GMAC Mortgage Corporation and the Mortgagor or other person pledging the
related  Pledged  Assets;  or such  other  contracts  as may be set forth in the
Series Supplement.

        Assignment:  An  assignment  of the  Mortgage,  notice  of  transfer  or
equivalent  instrument,  in recordable  form,  sufficient  under the laws of the
jurisdiction  wherein  the related  Mortgaged  Property is located to reflect of
record  the  sale  of the  Mortgage  Loan to the  Trustee  for  the  benefit  of
Certificateholders,   which   assignment,   notice  of  transfer  or  equivalent
instrument  may be in the  form  of one or  more  blanket  assignments  covering
Mortgages  secured  by  Mortgaged  Properties  located  in the same  county,  if
permitted by law and accompanied by an Opinion of Counsel to that effect.

        Assignment Agreement: The Assignment and Assumption Agreement, dated the
Closing  Date,  between  Residential  Funding  and the  Company  relating to the
transfer and assignment of the Mortgage Loans.

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

        Available  Distribution  Amount:  As to any Distribution  Date and, with
respect to any Mortgage  Pool  comprised  of two or more Loan Groups,  each Loan
Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage
Loans on deposit in the  Custodial  Account as of the close of  business  on the

                                       4
<PAGE>

immediately preceding  Determination Date, including any Subsequent  Recoveries,
and  amounts   deposited  in  the  Custodial  Account  in  connection  with  the
substitution  of Qualified  Substitute  Mortgage  Loans,  (ii) the amount of any
Advance made on the  immediately  preceding  Certificate  Account  Deposit Date,
(iii) any amount deposited in the Certificate Account on the related Certificate
Account Deposit Date pursuant to the second paragraph of Section  3.12(a),  (iv)
any amount  deposited in the Certificate  Account  pursuant to Section 4.07, (v)
any amount  that the Master  Servicer  is not  permitted  to  withdraw  from the
Custodial Account or the Certificate  Account pursuant to Section 3.16(e),  (vi)
any amount  received  by the  Trustee  pursuant to the Surety Bond in respect of
such  Distribution Date and (vii) the proceeds of any Pledged Assets received by
the Master  Servicer,  reduced by (b) the sum as of the close of business on the
immediately  preceding  Determination Date of (w) aggregate Foreclosure Profits,
(x) the Amount Held for Future  Distribution,  and (y) amounts  permitted  to be
withdrawn by the Master  Servicer from the  Custodial  Account in respect of the
Mortgage Loans pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a). Such
amount shall be determined  separately for each Loan Group.  Additionally,  with
respect to any Mortgage Pool that is comprised of two or more Loan Groups, if on
any Distribution  Date  Compensating  Interest provided pursuant to this Section
3.16(e) is less than  Prepayment  Interest  Shortfalls  incurred on the Mortgage
Loans in connection with Principal  Prepayments in Full and Curtailments made in
the prior calendar month, such Compensating  Interest shall be allocated on such
Distribution Date to the Available  Distribution Amount for each Loan Group on a
pro rata basis in  accordance  with the  respective  amounts of such  Prepayment
Interest Shortfalls incurred on the Mortgage Loans in such Loan Group in respect
of such Distribution Date.

        Bankruptcy Code:  The Bankruptcy Code of 1978, as amended.
        ---------------

        Bankruptcy  Loss:  With  respect  to  any  Mortgage  Loan,  a  Deficient
Valuation or Debt Service Reduction; provided, however, that neither a Deficient
Valuation  nor a Debt  Service  Reduction  shall  be  deemed a  Bankruptcy  Loss
hereunder  so long as the Master  Servicer  has  notified the Trustee in writing
that the Master  Servicer is diligently  pursuing any remedies that may exist in
connection  with the  representations  and warranties made regarding the related
Mortgage  Loan and either (A) the related  Mortgage  Loan is not in default with
regard to payments due  thereunder or (B)  delinquent  payments of principal and
interest  under the related  Mortgage  Loan and any  premiums on any  applicable
primary hazard  insurance  policy and any related escrow  payments in respect of
such Mortgage Loan are being advanced on a current basis by the Master  Servicer
or a  Subservicer,  in either case  without  giving  effect to any Debt  Service
Reduction.

        Book-Entry  Certificate:  Any Certificate  registered in the name of the
Depository or its nominee,  and designated as such in the Preliminary  Statement
to the Series Supplement.

        Business  Day:  Any day other than (i) a Saturday  or a Sunday or (ii) a
day on which  banking  institutions  in the  State  of New  York,  the  State of
Michigan, the State of California or the State of Illinois (and such other state
or states in which the Custodial  Account or the Certificate  Account are at the
time located) are required or authorized by law or executive order to be closed.

                                       5
<PAGE>

        Buydown  Funds:  Any amount  contributed  by the  seller of a  Mortgaged
Property, the Company or other source in order to enable the Mortgagor to reduce
the payments  required to be made from the Mortgagor's  funds in the early years
of a  Mortgage  Loan.  Buydown  Funds  are not part of the Trust  Fund  prior to
deposit into the Custodial or Certificate Account.

        Buydown  Mortgage Loan: Any Mortgage Loan as to which a specified amount
of interest is paid out of related  Buydown Funds in  accordance  with a related
buydown agreement.

        Cash  Liquidation:  As to  any  defaulted  Mortgage  Loan  other  than a
Mortgage Loan as to which an REO Acquisition  occurred,  a determination  by the
Master  Servicer  that  it has  received  all  Insurance  Proceeds,  Liquidation
Proceeds  and  other  payments  or cash  recoveries  which the  Master  Servicer
reasonably and in good faith expects to be finally  recoverable  with respect to
such Mortgage Loan.

     Certificate Account Deposit Date: As to any Distribution Date, the Business
Day prior thereto.

        Certificateholder  or Holder:  The Person in whose name a Certificate is
registered  in  the  Certificate  Register,  and,  in  respect  of  any  Insured
Certificates,  the  Certificate  Insurer to the extent of  Cumulative  Insurance
Payments,  except that  neither a  Disqualified  Organization  nor a  Non-United
States  Person shall be a holder of a Class R  Certificate  for purposes  hereof
and, solely for the purpose of giving any consent or direction  pursuant to this
Agreement, any Certificate, other than a Class R Certificate,  registered in the
name of the Company,  the Master  Servicer or any  Subservicer  or any Affiliate
thereof shall be deemed not to be  outstanding  and the  Percentage  Interest or
Voting Rights  evidenced  thereby shall not be taken into account in determining
whether the requisite amount of Percentage  Interests or Voting Rights necessary
to effect any such consent or direction has been obtained. All references herein
to "Holders" or  "Certificateholders"  shall  reflect the rights of  Certificate
Owners as they may  indirectly  exercise such rights  through the Depository and
participating members thereof,  except as otherwise specified herein;  provided,
however,  that the  Trustee  shall be  required  to  recognize  as a "Holder" or
"Certificateholder" only the Person in whose name a Certificate is registered in
the Certificate Register.

        Certificate Insurer: As defined in the Series Supplement.

        Certificate Owner: With respect to a Book-Entry Certificate,  the Person
who is the beneficial owner of such Certificate, as reflected on the books of an
indirect participating brokerage firm for which a Depository Participant acts as
agent, if any, and otherwise on the books of a Depository  Participant,  if any,
and otherwise on the books of the Depository.

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

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

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

                                       6
<PAGE>

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

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

provided,  that the  Certificate  Principal  Balance of each  Certificate of the
Class of  Subordinate  Certificates  with the Lowest  Priority at any given time
shall  be  further  reduced  by an  amount  equal  to  the  Percentage  Interest
represented  by such  Certificate  multiplied by the excess,  if any, of (A) the
then aggregate Certificate Principal Balance of all Classes of Certificates then
outstanding over (B) the then aggregate Stated Principal Balance of the Mortgage
Loans.

     Certificate Register and Certificate Registrar: The register maintained and
the registrar appointed pursuant to Section 5.02.

        Class:   Collectively,   all  of  the  Certificates   bearing  the  same
designation.  The initial Class A-V Certificates and any Subclass thereof issued
pursuant  to  Section  5.01(c)  shall be a single  Class  for  purposes  of this
Agreement.

     Class A-P Certificate:  Any one of the  Certificates  designated as a Class
A-P Certificate.

        Class A-P Collection Shortfall:  With respect to the Cash Liquidation or
REO  Disposition  of a Discount  Mortgage Loan and any  Distribution  Date,  the
excess of the  amount  described  in  Section  4.02(b)(i)(C)(1)  over the amount
described in Section 4.02(b)(i)(C)(2).

        Class A-P Principal Distribution Amount:  As defined in Section 4.02.

     Class A-V Certificate:  Any one of the  Certificates  designated as a Class
A-V Certificate, including any Subclass thereof.

        Class B Certificate:  Any one of the Certificates  designated as a Class
B-1 Certificate, Class B-2 Certificate or Class B-3 Certificate.

        Class M Certificate:  Any one of the Certificates  designated as a Class
M-1 Certificate, Class M-2 Certificate or Class M-3 Certificate.

        Closing Date:  As defined in the Series Supplement.

        Code:  The Internal Revenue Code of 1986.

     Combined  Collateral  LLC:  Combined  Collateral  LLC, a  Delaware  limited
liability company.

                                       7
<PAGE>

        Compensating Interest:  With respect to any Distribution Date, an amount
equal to Prepayment Interest Shortfalls resulting from Principal  Prepayments in
Full  during the related  Prepayment  Period and  Curtailments  during the prior
calendar  month and  included  in the  Available  Distribution  Amount  for such
Distribution  Date, but not more than the lesser of (a) one-twelfth of 0.125% of
the Stated Principal  Balance of the Mortgage Loans  immediately  preceding such
Distribution  Date and (b) the sum of the  Servicing Fee and all income and gain
on amounts held in the Custodial Account and the Certificate Account and payable
to the Certificateholders  with respect to such Distribution Date; provided that
for  purposes of this  definition  the amount of the  Servicing  Fee will not be
reduced pursuant to Section 7.02 except as may be required  pursuant to the last
sentence of such Section.

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

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

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

        Cooperative  Loans:  Any of the  Mortgage  Loans  made in  respect  of a
Cooperative  Apartment,  evidenced  by a  Mortgage  Note  and  secured  by (i) a
Security  Agreement,  (ii) the related  Cooperative Stock Certificate,  (iii) an
assignment of the Cooperative  Lease, (iv) financing  statements and (v) a stock
power (or other  similar  instrument),  and  ancillary  thereto,  a  recognition
agreement  between the Cooperative  and the originator of the Cooperative  Loan,
each of which was  transferred  and assigned to the Trustee  pursuant to Section
2.01 and are from time to time held as part of the Trust Fund.

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

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

        Credit Support Depletion Date: The first  Distribution Date on which the
Certificate Principal Balances of the Subordinate Certificates have been reduced
to zero.

        Credit Support Pledge  Agreement:  The Credit Support Pledge  Agreement,
dated as of  November  24,  1998,  among  the  Master  Servicer,  GMAC  Mortgage
Corporation, Combined Collateral LLC and The First National Bank of Chicago (now
known as Bank One, National Association), as custodian.

        Cumulative Insurance Payments:  As defined in the Series Supplement.

                                       8
<PAGE>

     Curtailment:  Any Principal  Prepayment  made by a Mortgagor which is not a
Principal Prepayment in Full.

        Custodial  Account:  The  custodial  account  or  accounts  created  and
maintained pursuant to Section 3.07 in the name of a depository institution,  as
custodian for the holders of the Certificates,  for the holders of certain other
interests in mortgage loans serviced or sold by the Master  Servicer and for the
Master  Servicer,  into which the  amounts  set forth in  Section  3.07 shall be
deposited directly. Any such account or accounts shall be an Eligible Account.

        Custodial  Agreement:  An  agreement  that may be entered into among the
Company, the Master Servicer,  the Trustee and a Custodian pursuant to which the
Custodian will hold certain  documents  relating to the Mortgage Loans on behalf
of the Trustee.

        Custodian:  A custodian appointed pursuant to a Custodial Agreement.

        Cut-off Date  Principal  Balance:  As to any Mortgage  Loan,  the unpaid
principal  balance  thereof  at the  Cut-off  Date  after  giving  effect to all
installments of principal due on or prior thereto, whether or not received.

        Debt Service  Reduction:  With respect to any Mortgage Loan, a reduction
in the scheduled  Monthly Payment for such Mortgage Loan by a court of competent
jurisdiction in a proceeding under the Bankruptcy Code,  except such a reduction
constituting a Deficient  Valuation or any reduction that results in a permanent
forgiveness of principal.

        Deficient Valuation: With respect to any Mortgage Loan, a valuation by a
court of competent jurisdiction of the Mortgaged Property in an amount less than
the then outstanding  indebtedness  under the Mortgage Loan, or any reduction in
the amount of  principal to be paid in  connection  with any  scheduled  Monthly
Payment that constitutes a permanent  forgiveness of principal,  which valuation
or reduction results from a proceeding under the Bankruptcy Code.

     Definitive   Certificate:   Any   Certificate   other  than  a   Book-Entry
Certificate.

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

        Delinquent:  As used herein, a Mortgage Loan is considered to be: "30 to
59 days" or "30 or more days" delinquent when a payment due on any scheduled due
date  remains  unpaid  as of the  close of  business  on the last  business  day
immediately  prior to the next following  monthly  scheduled due date; "60 to 89
days" or "60 or more days"  delinquent  when a payment due on any  scheduled due
date  remains  unpaid  as of the  close of  business  on the last  business  day
immediately prior to the second following monthly scheduled due date; and so on.
The  determination  as to whether a Mortgage Loan falls into these categories is
made as of the close of business  on the last  business  day of each month.  For
example, a Mortgage Loan with a payment due on July 1 that remained unpaid as of
the close of  business on July 31 would then be  considered  to be 30 to 59 days
delinquent.  Delinquency  information  as of the Cut-off Date is determined  and
prepared as of the close of business on the last business day immediately  prior
to the Cut-off Date.

                                       9
<PAGE>

        Depository:  The Depository Trust Company,  or any successor  Depository
hereafter  named.  The  nominee  of  the  initial  Depository  for  purposes  of
registering those Certificates that are to be Book-Entry  Certificates is Cede &
Co. The Depository shall at all times be a "clearing  corporation" as defined in
Section  8-102(a)(5) of the Uniform Commercial Code of the State of New York and
a "clearing agency" registered  pursuant to the provisions of Section 17A of the
Securities Exchange Act of 1934, as amended.

        Depository  Participant:  A  broker,  dealer,  bank or  other  financial
institution  or other  Person  for whom from time to time a  Depository  effects
book-entry transfers and pledges of securities deposited with the Depository.

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

        Determination Date: As defined in the Series Supplement.

        Discount  Fraction:  With respect to each Discount  Mortgage  Loan,  the
fraction  expressed as a percentage,  the numerator of which is the Discount Net
Mortgage Rate minus the Net Mortgage Rate (or the initial Net Mortgage Rate with
respect to any Discount Mortgage Loans as to which the Mortgage Rate is modified
pursuant to 3.07(a)) for such Mortgage Loan and the  denominator of which is the
Discount Net Mortgage Rate. The Discount  Fraction with respect to each Discount
Mortgage Loan is set forth as an exhibit attached to the Series Supplement.

        Discount Mortgage Loan: Any Mortgage Loan having a Net Mortgage Rate (or
the initial Net Mortgage  Rate) of less than the Discount Net Mortgage  Rate per
annum and any Mortgage  Loan deemed to be a Discount  Mortgage  Loan pursuant to
the definition of Qualified Substitute Mortgage Loan.

        Discount Net Mortgage Rate:  As defined in the Series Supplement.

        Disqualified  Organization:  Any organization defined as a "disqualified
organization"  under  Section  860E(e)(5)  of the  Code,  and  if not  otherwise
included,  any of the following:  (i) the United States,  any State or political
subdivision  thereof,  any  possession  of the United  States,  or any agency or
instrumentality of any of the foregoing (other than an instrumentality  which is
a corporation if all of its  activities  are subject to tax and,  except for the
Freddie  Mac, a  majority  of its board of  directors  is not  selected  by such
governmental unit), (ii) a foreign government,  any international  organization,
or any agency or instrumentality of any of the foregoing, (iii) any organization
(other than certain farmers' cooperatives  described in Section 521 of the Code)
which is exempt from the tax imposed by Chapter 1 of the Code (including the tax
imposed by Section 511 of the Code on unrelated  business taxable income),  (iv)
rural electric and telephone  cooperatives described in Section 1381(a)(2)(C) of
the Code, (v) any "electing large  partnership," as defined in Section 775(a) of
the Code and (vi) any other Person so  designated  by the Trustee  based upon an
Opinion  of  Counsel  that the  holding of an  Ownership  Interest  in a Class R
Certificate  by such  Person may cause the Trust  Fund or any  Person  having an
Ownership  Interest in any Class of  Certificates  (other  than such  Person) to
incur a liability  for any  federal  tax  imposed  under the Code that would not
otherwise be imposed but for the Transfer of an Ownership  Interest in a Class R
Certificate   to  such  Person.   The  terms   "United   States",   "State"  and
"international  organization"  shall have the meanings set forth in Section 7701
of the Code or successor provisions.

                                       10
<PAGE>

        Distribution  Date:  The 25th day of any  month  beginning  in the month
immediately  following the month of the initial issuance of the Certificates or,
if such 25th day is not a Business Day, the Business Day  immediately  following
such 25th day.

     Due Date: With respect to any Distribution  Date and any Mortgage Loan, the
day during the related Due Period on which the Monthly Payment is due.

     Due Period: With respect to any Distribution Date, the one-month period set
forth in the Series Supplement.

        Eligible  Account:  An  account  that  is  any  of  the  following:  (i)
maintained with a depository institution the debt obligations of which have been
rated by each Rating Agency in its highest rating available,  or (ii) an account
or accounts in a depository institution in which such accounts are fully insured
to the limits established by the FDIC, provided that any deposits not so insured
shall, to the extent  acceptable to each Rating Agency, as evidenced in writing,
be maintained such that (as evidenced by an Opinion of Counsel  delivered to the
Trustee and each Rating Agency) the registered  Holders of  Certificates  have a
claim with  respect to the funds in such account or a perfected  first  security
interest   against  any   collateral   (which  shall  be  limited  to  Permitted
Investments)  securing  such  funds  that is  superior  to  claims  of any other
depositors or creditors of the depository institution with which such account is
maintained,  or (iii) in the case of the Custodial  Account,  a trust account or
accounts  maintained in the  corporate  trust  department of Bank One,  National
Association,  or (iv) in the case of the Certificate Account, a trust account or
accounts  maintained in the corporate  trust division of the Trustee,  or (v) an
account or accounts of a depository institution acceptable to each Rating Agency
(as  evidenced in writing by each Rating  Agency that use of any such account as
the  Custodial  Account or the  Certificate  Account  will not reduce the rating
assigned to any Class of  Certificates  by such Rating Agency below the lower of
the  then-current  rating or the rating assigned to such  Certificates as of the
Closing Date by such Rating Agency).

        Event of Default:  As defined in Section 7.01.

     Excess  Bankruptcy  Loss: Any Bankruptcy  Loss, or portion  thereof,  which
exceeds the then applicable Bankruptcy Amount.

     Excess Fraud Loss:  Any Fraud Loss, or portion  thereof,  which exceeds the
then applicable Fraud Loss Amount.

     Excess Special  Hazard Loss:  Any Special Hazard Loss, or portion  thereof,
that exceeds the then applicable Special Hazard Amount.

        Excess  Subordinate  Principal Amount:  With respect to any Distribution
Date on which  the  aggregate  Certificate  Principal  Balance  of the  Class of
Subordinate  Certificates  then  outstanding  with the Lowest  Priority is to be
reduced to zero and on which  Realized  Losses are to be allocated to such class
or classes,  the  excess,  if any,  of (i) the amount  that would  otherwise  be
distributable  in respect of principal on such class or classes of  Certificates
on such  Distribution  Date  over  (ii) the  excess,  if any,  of the  aggregate
Certificate   Principal  Balance  of  such  class  or  classes  of  Certificates

                                       11
<PAGE>

immediately  prior to such  Distribution  Date  over  the  aggregate  amount  of
Realized  Losses  to be  allocated  to  such  classes  of  Certificates  on such
Distribution  Date as  reduced  by any  amount  calculated  pursuant  to Section
4.02(b)(i)(E).  With  respect to any  Mortgage  Pool that is comprised of two or
more Loan  Groups,  the Excess  Subordinate  Principal  Amount will be allocated
between  each Loan  Group on a pro rata basis in  accordance  with the amount of
Realized   Losses   attributable  to  each  Loan  Group  and  allocated  to  the
Certificates on such Distribution Date.

        Extraordinary  Events: Any of the following conditions with respect to a
Mortgaged  Property  (or, with respect to a Cooperative  Loan,  the  Cooperative
Apartment)  or Mortgage  Loan  causing or  resulting  in a loss which causes the
liquidation of such Mortgage Loan:

(a)     losses that are of the type that would be covered by the  fidelity  bond
        and the errors and omissions  insurance policy required to be maintained
        pursuant to Section 3.12(b) but are in excess of the coverage maintained
        thereunder;

(b)     nuclear reaction or nuclear radiation or radioactive contamination,  all
        whether  controlled or uncontrolled,  and whether such loss be direct or
        indirect,  proximate  or  remote  or be in whole or in part  caused  by,
        contributed to or aggravated by a peril covered by the definition of the
        term "Special Hazard Loss";

(c)     hostile or warlike action in time of peace or war,  including  action in
        hindering,  combating  or  defending  against  an actual,  impending  or
        expected attack:

     1. by any  government or sovereign  power,  de jure or de facto,  or by any
authority maintaining or using military, naval or air forces; or

     2. by military, naval or air forces; or

     3. by an agent of any such government, power, authority or forces;

(d)  any weapon of war employing atomic fission or radioactive  force whether in
     time of peace or war; or

(e)  insurrection,  rebellion,  revolution,  civil war,  usurped power or action
     taken by  governmental  authority  in  hindering,  combating  or  defending
     against such an  occurrence,  seizure or  destruction  under  quarantine or
     customs  regulations,  confiscation  by order of any  government  or public
     authority; or risks of contraband or illegal transportation or trade.

     Extraordinary  Losses:  Any loss  incurred on a Mortgage  Loan caused by or
resulting from an Extraordinary Event.

        Fannie Mae: Federal National Mortgage Association, a federally chartered
and  privately  owned  corporation  organized  and  existing  under the  Federal
National Mortgage Association Charter Act, or any successor thereto.

                                       12
<PAGE>

     FASIT:  A "financial  asset  securitization  investment  trust"  within the
meaning of Section 860L of the Code.

        FDIC:  Federal Deposit Insurance Corporation or any successor thereto.

        Final  Distribution  Date:  The  Distribution  Date on which  the  final
distribution  in respect of the  Certificates  will be made  pursuant to Section
9.01, which Final  Distribution  Date shall in no event be later than the end of
the 90-day liquidation period described in Section 9.02.

        Fitch:  Fitch Ratings or its successor in interest.

        Foreclosure   Profits:   As  to  any   Distribution   Date  or   related
Determination  Date and any Mortgage  Loan,  the excess,  if any, of Liquidation
Proceeds,  Insurance Proceeds and REO Proceeds (net of all amounts  reimbursable
therefrom  pursuant to Section  3.10(a)(ii)) in respect of each Mortgage Loan or
REO Property for which a Cash  Liquidation  or REO  Disposition  occurred in the
related  Prepayment  Period over the sum of the unpaid principal balance of such
Mortgage Loan or REO Property (determined, in the case of an REO Disposition, in
accordance  with Section 3.14) plus accrued and unpaid  interest at the Mortgage
Rate on such unpaid  principal  balance from the Due Date to which  interest was
last paid by the Mortgagor to the first day of the month  following the month in
which such Cash Liquidation or REO Disposition occurred.

     Fraud Losses:  Losses on Mortgage  Loans as to which there was fraud in the
origination of such Mortgage Loan.

        Freddie  Mac:  Federal  Home  Loan  Mortgage  Corporation,  a  corporate
instrumentality of the United States created and existing under Title III of the
Emergency Home Finance Act of 1970, as amended, or any successor thereto.

        Highest  Priority:  As of  any  date  of  determination,  the  Class  of
Subordinate  Certificates then outstanding with a Certificate  Principal Balance
greater than zero, with the earliest  priority for payments  pursuant to Section
4.02(a),  in the following  order:  Class M-1,  Class M-2, Class M-3, Class B-1,
Class B-2 and Class B-3 Certificates.

        Independent:  When used with respect to any specified Person, means such
a Person who (i) is in fact independent of the Company,  the Master Servicer and
the Trustee,  or any Affiliate thereof,  (ii) does not have any direct financial
interest or any material indirect financial interest in the Company,  the Master
Servicer or the Trustee or in an Affiliate  thereof,  and (iii) is not connected
with the Company,  the Master  Servicer or the Trustee as an officer,  employee,
promoter,  underwriter,  trustee, partner, director or person performing similar
functions.

        Initial  Certificate  Principal  Balance:  With respect to each Class of
Certificates, the Certificate Principal Balance of such Class of Certificates as
of the Cut-off Date, as set forth in the Series Supplement.

        Initial Monthly Payment Fund: An amount representing scheduled principal
amortization and interest at the Net Mortgage Rate for the Due Date in the first
Due Period  commencing  subsequent to the Cut-off Date for those  Mortgage Loans
for which the Trustee will not be entitled to receive such payment,  and as more
specifically defined in the Series Supplement.

                                       13
<PAGE>

        Initial  Notional  Amount:  With  respect  to any Class or  Subclass  of
Interest Only Certificates, the amount initially used as the principal basis for
the calculation of any interest payment amount, as more specifically  defined in
the Series Supplement.

      Initial Subordinate Class Percentage: As defined in the Series Supplement.

        Insurance  Proceeds:  Proceeds  paid in  respect of the  Mortgage  Loans
pursuant to any Primary  Insurance Policy or any other related  insurance policy
covering a Mortgage Loan  (excluding any  Certificate  Policy (as defined in the
Series  Supplement)),  to the extent such  proceeds are payable to the mortgagee
under the Mortgage, any Subservicer,  the Master Servicer or the Trustee and are
not applied to the  restoration  of the related  Mortgaged  Property  (or,  with
respect to a Cooperative Loan, the related Cooperative Apartment) or released to
the Mortgagor in accordance  with the procedures  that the Master Servicer would
follow in servicing mortgage loans held for its own account.

     Insurer:  Any named  insurer  under  any  Primary  Insurance  Policy or any
successor thereto or the named insurer in any replacement policy.

        Interest Accrual Period: As defined in the Series Supplement.

     Interest  Only  Certificates:  A Class  or  Subclass  of  Certificates  not
entitled  to  payments  of  principal,  and  designated  as such  in the  Series
Supplement.  The Interest Only Certificates  will have no Certificate  Principal
Balance.

        Interim Certification:  As defined in Section 2.02.

        International Borrower: In connection with any Mortgage Loan, a borrower
who  is (a) a  United  States  citizen  employed  in a  foreign  country,  (b) a
non-permanent resident alien employed in the United States or (c) a citizen of a
country  other than the United States with income  derived from sources  outside
the United States.

     Junior Certificateholder: The Holder of not less than 95% of the Percentage
Interests of the Junior Class of Certificates.

        Junior  Class of  Certificates:  The Class of  Subordinate  Certificates
outstanding  as of the date of the  repurchase  of a Mortgage  Loan  pursuant to
Section 4.07 herein that has the Lowest Priority.

        Late  Collections:  With  respect  to any  Mortgage  Loan,  all  amounts
received during any Due Period,  whether as late payments of Monthly Payments or
as Insurance Proceeds,  Liquidation Proceeds or otherwise,  which represent late
payments or  collections  of Monthly  Payments due but delinquent for a previous
Due Period and not previously recovered.

        Liquidation  Proceeds:  Amounts (other than Insurance Proceeds) received
by the Master  Servicer  in  connection  with the taking of an entire  Mortgaged
Property  by  exercise  of the power of  eminent  domain or  condemnation  or in
connection with the liquidation of a defaulted  Mortgage Loan through  trustee's
sale, foreclosure sale or otherwise, other than REO Proceeds.

                                       14
<PAGE>

        Loan Group:  Any group of Mortgage  Loans  designated as a separate loan
group in the Series  Supplement.  The  Certificates  relating to each Loan Group
will be designated in the Series Supplement.

        Loan-to-Value  Ratio:  As of any  date,  the  fraction,  expressed  as a
percentage,  the  numerator  of which is the  current  principal  balance of the
related Mortgage Loan at the date of determination  and the denominator of which
is the Appraised Value of the related Mortgaged Property.

        Lower  Priority:  As of any  date  of  determination  and any  Class  of
Subordinate  Certificates,  any other  Class of  Subordinate  Certificates  then
outstanding with a later priority for payments pursuant to Section 4.02 (a).

        Lowest  Priority:  As  of  any  date  of  determination,  the  Class  of
Subordinate  Certificates then outstanding with a Certificate  Principal Balance
greater than zero,  with the latest  priority  for payments  pursuant to Section
4.02(a),  in the following  order:  Class B-3,  Class B-2, Class B-1, Class M-3,
Class M-2 and Class M-1 Certificates.

        Maturity Date: The latest possible maturity date, solely for purposes of
Section   1.860G-1(a)(4)(iii)   of  the  Treasury  regulations,   by  which  the
Certificate  Principal  Balance of each Class of  Certificates  (other  than the
Interest Only Certificates which have no Certificate Principal Balance) and each
Uncertificated REMIC Regular Interest would be reduced to zero, as designated in
the Series Supplement.

     MERS:  Mortgage  Electronic   Registration  Systems,  Inc.,  a  corporation
organized and existing under the laws of the State of Delaware, or any successor
thereto.

        MERS(R)  System:   The  system  of  recording   transfers  of  Mortgages
electronically maintained by MERS.

     MIN: The Mortgage  Identification Number for Mortgage Loans registered with
MERS on the MERS(R) System.

        MLCC:  Merrill Lynch Credit Corporation, or its successor in interest.

     Modified  Mortgage  Loan:  Any Mortgage Loan that has been the subject of a
Servicing Modification.

        Modified Net Mortgage  Rate: As to any Mortgage Loan that is the subject
of a Servicing  Modification,  the Net Mortgage Rate minus the rate per annum by
which the Mortgage Rate on such Mortgage Loan was reduced.

        MOM  Loan:  With  respect  to any  Mortgage  Loan,  MERS  acting  as the
mortgagee of such Mortgage  Loan,  solely as nominee for the  originator of such
Mortgage Loan and its successors and assigns, at the origination thereof.

                                       15
<PAGE>

        Monthly  Payment:  With respect to any Mortgage Loan  (including any REO
Property) and any Due Date, the payment of principal and interest due thereon in
accordance with the amortization  schedule at the time applicable thereto (after
adjustment,  if any, for  Curtailments  and for Deficient  Valuations  occurring
prior to such Due Date but before any adjustment to such  amortization  schedule
by reason of any  bankruptcy,  other  than a  Deficient  Valuation,  or  similar
proceeding or any  moratorium  or similar  waiver or grace period and before any
Servicing Modification that constitutes a reduction of the interest rate on such
Mortgage Loan).

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

        Mortgage:  With respect to each Mortgage Note related to a Mortgage Loan
which is not a Cooperative Loan, the mortgage, deed of trust or other comparable
instrument  creating  a first  lien on an  estate  in fee  simple  or  leasehold
interest in real property securing a Mortgage Note.

        Mortgage File: The mortgage  documents listed in Section 2.01 pertaining
to a particular Mortgage Loan and any additional  documents required to be added
to the Mortgage File pursuant to this Agreement.

        Mortgage Loans:  Such of the mortgage loans  transferred and assigned to
the Trustee  pursuant to Section 2.01 as from time to time are held or deemed to
be held as a part of the Trust Fund, the Mortgage Loans originally so held being
identified in the initial  Mortgage  Loan  Schedule,  and  Qualified  Substitute
Mortgage Loans held or deemed held as part of the Trust Fund including,  without
limitation,  (i) with respect to each  Cooperative  Loan,  the related  Mortgage
Note,  Security  Agreement,  Assignment of Proprietary Lease,  Cooperative Stock
Certificate,  Cooperative  Lease and Mortgage  File and all rights  appertaining
thereto,  and (ii) with respect to each  Mortgage  Loan other than a Cooperative
Loan,  each related  Mortgage  Note,  Mortgage and Mortgage  File and all rights
appertaining thereto.

        Mortgage Loan Schedule:  As defined in the Series Supplement.

        Mortgage  Note:  The  originally  executed  note or  other  evidence  of
indebtedness  evidencing the  indebtedness of a Mortgagor under a Mortgage Loan,
together with any modification thereto.

     Mortgage Pool: The pool of mortgage  loans,  including all Loan Groups,  if
any, consisting of the Mortgage Loans.

     Mortgage  Rate:  As to any Mortgage  Loan,  the interest  rate borne by the
related  Mortgage  Note,  or any  modification  thereto  other than a  Servicing
Modification.

        Mortgaged  Property:  The underlying  real property  securing a Mortgage
Loan or, with respect to a Cooperative  Loan, the related  Cooperative Lease and
Cooperative Stock.

        Mortgagor:  The obligor on a Mortgage Note.

        Net  Mortgage  Rate:  As to each  Mortgage  Loan,  a per  annum  rate of
interest  equal to the Adjusted  Mortgage  Rate less the per annum rate at which
the Servicing Fee is calculated.

                                       16
<PAGE>

     Non-Discount Mortgage Loan: A Mortgage Loan that is not a Discount Mortgage
Loan.

        Non-Primary Residence Loans: The Mortgage Loans designated as secured by
second or vacation  residences,  or by  non-owner  occupied  residences,  on the
Mortgage Loan Schedule.

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

        Nonrecoverable  Advance:  Any Advance  previously made or proposed to be
made by the Master  Servicer in respect of a Mortgage Loan (other than a Deleted
Mortgage Loan) which,  in the good faith judgment of the Master  Servicer,  will
not, or, in the case of a proposed Advance, would not, be ultimately recoverable
by the Master  Servicer  from  related  Late  Collections,  Insurance  Proceeds,
Liquidation  Proceeds,  REO  Proceeds  or  amounts  reimbursable  to the  Master
Servicer  pursuant to Section 4.02(a) hereof.  The  determination  by the Master
Servicer that it has made a Nonrecoverable  Advance or that any proposed Advance
would  constitute a Nonrecoverable  Advance,  shall be evidenced by an Officers'
Certificate delivered to the Company, the Trustee and any Certificate Insurer.

     Nonsubserviced  Mortgage  Loan:  Any  Mortgage  Loan  that,  at the time of
reference thereto, is not subject to a Subservicing Agreement.

        Notional Amount:  With respect to any Class or Subclass of Interest Only
Certificates,  an amount used as the principal  basis for the calculation of any
interest payment amount, as more specifically defined in the Series Supplement.

        Officers'  Certificate:  A  certificate  signed by the  Chairman  of the
Board,  the  President or a Vice  President or Assistant  Vice  President,  or a
Director or Managing Director,  and by the Treasurer,  the Secretary,  or one of
the Assistant  Treasurers or Assistant  Secretaries of the Company or the Master
Servicer,  as the case may be, and delivered to the Trustee, as required by this
Agreement.

        Opinion of  Counsel:  A written  opinion of  counsel  acceptable  to the
Trustee  and the  Master  Servicer,  who may be counsel  for the  Company or the
Master  Servicer,  provided  that any opinion of counsel (i)  referred to in the
definition of "Disqualified  Organization" or (ii) relating to the qualification
of any REMIC formed under the Series  Supplement  or  compliance  with the REMIC
Provisions  must,  unless  otherwise  specified,  be an opinion  of  Independent
counsel.

        Outstanding  Mortgage  Loan:  As  to  any  Due  Date,  a  Mortgage  Loan
(including an REO Property) which was not the subject of a Principal  Prepayment
in Full,  Cash  Liquidation  or REO  Disposition  and which  was not  purchased,
deleted or  substituted  for prior to such Due Date  pursuant  to Section  2.02,
2.03, 2.04 or 4.07.

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

        Pass-Through Rate:  As defined in the Series Supplement.

     Paying Agent:  The Trustee or any successor  Paying Agent  appointed by the
Trustee.

                                       17
<PAGE>

        Percentage Interest: With respect to any Certificate (other than a Class
R Certificate), the undivided percentage ownership interest in the related Class
evidenced by such  Certificate,  which  percentage  ownership  interest shall be
equal to the Initial  Certificate  Principal Balance thereof or Initial Notional
Amount (in the case of any Interest  Only  Certificate)  thereof  divided by the
aggregate Initial Certificate  Principal Balance or the aggregate of the Initial
Notional Amounts, as applicable, of all the Certificates of the same Class. With
respect to a Class R Certificate,  the interest in distributions to be made with
respect to such Class evidenced thereby, expressed as a percentage, as stated on
the face of each such Certificate.

        Permitted Investments:  One or more of the following:

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

(ii)    repurchase  agreements on  obligations  specified in clause (i) maturing
        not more than one month from the date of acquisition  thereof,  provided
        that the unsecured  obligations of the party agreeing to repurchase such
        obligations  are at the time rated by each Rating  Agency in its highest
        short-term rating available;

(iii)federal funds,  certificates of deposit, demand deposits, time deposits and
     bankers'  acceptances  (which  shall each have an original  maturity of not
     more than 90 days and,  in the case of  bankers'  acceptances,  shall in no
     event  have an  original  maturity  of more  than 365  days or a  remaining
     maturity of more than 30 days)  denominated in United States dollars of any
     U.S. depository institution or trust company incorporated under the laws of
     the  United  States or any state  thereof  or of any  domestic  branch of a
     foreign  depository  institution or trust  company;  provided that the debt
     obligations  of such  depository  institution  or trust company (or, if the
     only  Rating  Agency is  Standard  & Poor's,  in the case of the  principal
     depository  institution in a depository  institution holding company,  debt
     obligations of the depository  institution  holding company) at the date of
     acquisition  thereof  have been rated by each Rating  Agency in its highest
     short-term rating available;  and provided further that, if the only Rating
     Agency is  Standard & Poor's and if the  depository  or trust  company is a
     principal  subsidiary of a bank holding company and the debt obligations of
     such subsidiary are not separately  rated,  the applicable  rating shall be
     that of the bank  holding  company;  and,  provided  further  that,  if the
     original maturity of such short-term  obligations of a domestic branch of a
     foreign  depository  institution or trust company shall exceed 30 days, the
     short-term rating of such institution shall be A-1+ in the case of Standard
     & Poor's if Standard & Poor's is the Rating Agency;

(iv)    commercial  paper and demand notes  (having  original  maturities of not
        more than 365 days) of any  corporation  incorporated  under the laws of
        the United States or any state thereof which on the date of  acquisition
        has been rated by each Rating  Agency in its highest  short-term  rating
        available;  provided that such  commercial  paper shall have a remaining
        maturity of not more than 30 days;

                                       18
<PAGE>

(v)  a money  market  fund or a qualified  investment  fund rated by each Rating
     Agency in its highest long-term rating available; and

(vi) other  obligations or securities  that are acceptable to each Rating Agency
     as a Permitted Investment hereunder and will not reduce the rating assigned
     to any Class of  Certificates  by such Rating Agency below the lower of the
     then-current  rating or the rating assigned to such  Certificates as of the
     Closing Date by such Rating Agency, as evidenced in writing;

provided,  however,  no  instrument  shall  be  a  Permitted  Investment  if  it
represents,  either (1) the right to receive only interest payments with respect
to the underlying debt instrument or (2) the right to receive both principal and
interest  payments derived from  obligations  underlying such instrument and the
principal and interest payments with respect to such instrument  provide a yield
to maturity greater than 120% of the yield to maturity at par of such underlying
obligations.  References  herein to the highest  rating  available  on unsecured
long-term debt shall mean AAA in the case of Standard & Poor's and Fitch and Aaa
in the case of Moody's, and references herein to the highest rating available on
unsecured commercial paper and short-term debt obligations shall mean A-1 in the
case of Standard & Poor's, P-1 in the case of Moody's and either A-1 by Standard
& Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch.

     Permitted Transferee: Any Transferee of a Class R Certificate, other than a
Disqualified Organization or Non-United States Person.

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

     Pledged Amount: With respect to any Pledged Asset Loan, the amount of money
remitted to Combined  Collateral  LLC, at the direction of or for the benefit of
the related Mortgagor.

        Pledged  Asset Loan:  Any Mortgage Loan  supported by Pledged  Assets or
such other collateral,  other than the related Mortgaged Property,  set forth in
the Series Supplement.

        Pledged   Assets:   With  respect  to  any  Mortgage  Loan,  all  money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
intangibles,  instruments, documents, deposit accounts, certificates of deposit,
commodities  contracts  and other  investment  property  and other  property  of
whatever kind or description  pledged by Combined  Collateral LLC as security in
respect of any Realized  Losses in connection  with such Mortgage Loan up to the
Pledged Amount for such Mortgage Loan, and any related collateral, or such other
collateral as may be set forth in the Series Supplement.

        Pledged Asset Mortgage Servicing  Agreement:  The Pledged Asset Mortgage
Servicing  Agreement,  dated as of February 28, 1996 between MLCC and the Master
Servicer.

        Pooling  and  Servicing  Agreement  or  Agreement:  With  respect to any
Series, this Standard Terms together with the related Series Supplement.

                                       19
<PAGE>

     Pool Stated Principal  Balance:  As to any Distribution Date, the aggregate
of the Stated  Principal  Balances of each Mortgage Loan.  Pool Strip Rate: With
respect to each  Mortgage  Loan, a per annum rate equal to the excess of (a) the
Net Mortgage  Rate of such Mortgage Loan over (b) the Discount Net Mortgage Rate
(but not less than 0.00%) per annum.

        Prepayment  Distribution  Trigger: With respect to any Distribution Date
and  any  Class  of   Subordinate   Certificates   (other  than  the  Class  M-1
Certificates),  a test that shall be satisfied if the fraction  (expressed  as a
percentage) equal to the sum of the Certificate Principal Balances of such Class
and each Class of Subordinate Certificates with a Lower Priority than such Class
immediately  prior to such  Distribution  Date divided by the  aggregate  Stated
Principal  Balance of all of the  Mortgage  Loans (or  related  REO  Properties)
immediately  prior to such Distribution Date is greater than or equal to the sum
of the  related  Initial  Subordinate  Class  Percentages  of  such  Classes  of
Subordinate Certificates.

        Prepayment  Interest  Shortfall:  As to any  Distribution  Date  and any
Mortgage Loan (other than a Mortgage Loan relating to an REO Property)  that was
the  subject of (a) a  Principal  Prepayment  in Full  during the portion of the
related  Prepayment Period that falls during the prior calendar month, an amount
equal  to the  excess  of one  month's  interest  at the Net  Mortgage  Rate (or
Modified  Net  Mortgage  Rate in the case of a  Modified  Mortgage  Loan) on the
Stated  Principal  Balance of such  Mortgage  Loan over the  amount of  interest
(adjusted to the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of
a Modified  Mortgage  Loan)) paid by the Mortgagor for such month to the date of
such Principal Prepayment in Full or (b) a Curtailment during the prior calendar
month,  an amount  equal to one month's  interest at the Net  Mortgage  Rate (or
Modified  Net  Mortgage  Rate in the case of a  Modified  Mortgage  Loan) on the
amount of such Curtailment.

        Prepayment Period: As to any Distribution Date and Principal  Prepayment
in Full,  the period  commencing on the 16th day of the month prior to the month
in which that  Distribution  Date occurs and ending on the 15th day of the month
in which such Distribution Date occurs.

     Primary  Insurance  Policy:   Each  primary  policy  of  mortgage  guaranty
insurance or any replacement policy therefor referred to in Section  2.03(b)(iv)
and (v).

     Principal  Only  Certificates:  A Class of  Certificates  not  entitled  to
payments of interest,  and more  specifically  designated  as such in the Series
Supplement.

        Principal  Prepayment:  Any payment of principal or other  recovery on a
Mortgage Loan,  including a recovery that takes the form of Liquidation Proceeds
or Insurance  Proceeds,  which is received in advance of its  scheduled Due Date
and is not  accompanied  by an  amount  as to  interest  representing  scheduled
interest  on such  payment  due on any  date or dates  in any  month  or  months
subsequent to the month of prepayment.

     Principal  Prepayment  in Full:  Any  Principal  Prepayment  of the  entire
principal balance of a Mortgage Loan that is made by the Mortgagor.

                                       20
<PAGE>

     Program  Guide:  Collectively,  the Client Guide and the Servicer Guide for
Residential Funding's Expanded Criteria Mortgage Program.

        Purchase  Price:  With  respect to any Mortgage  Loan (or REO  Property)
required to be or  otherwise  purchased  on any date  pursuant to Section  2.02,
2.03,  2.04 or  4.07,  an  amount  equal  to the sum of (i)  100% of the  Stated
Principal Balance thereof plus the principal portion of any related unreimbursed
Advances  and (ii) unpaid  accrued  interest at the Adjusted  Mortgage  Rate (or
Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is
calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate
(or Modified Net Mortgage Rate in the case of a Modified  Mortgage  Loan) in the
case of a purchase made by the Master Servicer) on the Stated Principal  Balance
thereof  to the Due Date in the Due  Period  related  to the  Distribution  Date
occurring  in the month  following  the month of  purchase  from the Due Date to
which interest was last paid by the Mortgagor.

        Qualified  Substitute  Mortgage  Loan: A Mortgage  Loan  substituted  by
Residential  Funding or the Company for a Deleted  Mortgage  Loan which must, on
the  date  of  such  substitution,  as  confirmed  in an  Officers'  Certificate
delivered to the Trustee, with a copy to the Custodian,

        (i)    have an outstanding  principal  balance,  after  deduction of the
               principal  portion  of the  monthly  payment  due in the month of
               substitution  (or in the case of a substitution  of more than one
               Mortgage  Loan  for  a  Deleted   Mortgage   Loan,  an  aggregate
               outstanding  principal  balance,  after such  deduction),  not in
               excess of the Stated  Principal  Balance of the Deleted  Mortgage
               Loan (the amount of any shortfall to be deposited by  Residential
               Funding in the Custodial Account in the month of substitution);

        (ii)   have a Mortgage  Rate and a Net  Mortgage  Rate no lower than and
               not more than 1% per annum higher than the Mortgage  Rate and Net
               Mortgage Rate,  respectively,  of the Deleted Mortgage Loan as of
               the date of substitution;

        (iii)  have a Loan-to-Value  Ratio at the time of substitution no higher
               than  that  of  the  Deleted   Mortgage   Loan  at  the  time  of
               substitution;

        (iv)   have a remaining  term to stated  maturity  not greater than (and
               not more than one year less  than) that of the  Deleted  Mortgage
               Loan;

          (v)  comply  with  each  representation  and  warranty  set  forth  in
               Sections  2.03 and 2.04  hereof and  Section 4 of the  Assignment
               Agreement; and

          (vi) have a Pool  Strip  Rate  equal to or  greater  than  that of the
               Deleted Mortgage Loan.

Notwithstanding  any other provisions  herein, (x) with respect to any Qualified
Substitute  Mortgage Loan  substituted  for a Deleted  Mortgage Loan which was a
Discount Mortgage Loan, such Qualified  Substitute Mortgage Loan shall be deemed
to be a  Discount  Mortgage  Loan and to have a Discount  Fraction  equal to the
Discount  Fraction  of the Deleted  Mortgage  Loan and (y) in the event that the
"Pool  Strip  Rate" of any  Qualified  Substitute  Mortgage  Loan as  calculated
pursuant to the  definition  of "Pool Strip Rate" is greater than the Pool Strip
Rate of the related Deleted Mortgage Loan

                                       21
<PAGE>

        (i)    the Pool Strip Rate of such  Qualified  Substitute  Mortgage Loan
               shall  be equal to the Pool  Strip  Rate of the  related  Deleted
               Mortgage Loan for purposes of calculating the  Pass-Through  Rate
               on the Class A-V Certificates and

        (ii)   the excess of the Pool Strip  Rate on such  Qualified  Substitute
               Mortgage Loan as calculated  pursuant to the  definition of "Pool
               Strip  Rate"  over the Pool  Strip  Rate on the  related  Deleted
               Mortgage  Loan  shall  be  payable  to the  Class R  Certificates
               pursuant to Section 4.02 hereof.

        Rating Agency:  Each of the statistical credit rating agencies specified
in the  Preliminary  Statement  of the  Series  Supplement.  If any  agency or a
successor is no longer in existence,  "Rating Agency" shall be such  statistical
credit rating agency,  or other  comparable  Person,  designated by the Company,
notice  of  which  designation  shall be given  to the  Trustee  and the  Master
Servicer.

        Realized Loss:  With respect to each Mortgage Loan (or REO Property):

          (a)  as to which a Cash  Liquidation or REO  Disposition has occurred,
               an amount (not less than zero) equal to (i) the Stated  Principal
               Balance of the Mortgage  Loan (or REO Property) as of the date of
               Cash Liquidation or REO Disposition,  plus (ii) interest (and REO
               Imputed  Interest,  if any) at the Net Mortgage Rate from the Due
               Date  as  to  which   interest  was  last  paid  or  advanced  to
               Certificateholders  up to the Due Date in the Due Period  related
               to the  Distribution  Date on which  such  Realized  Loss will be
               allocated  pursuant  to  Section  4.05  on the  Stated  Principal
               Balance  of such  Mortgage  Loan  (or REO  Property)  outstanding
               during  each  Due  Period  that  such  interest  was not  paid or
               advanced,  minus (iii) the proceeds,  if any, received during the
               month  in  which  such  Cash  Liquidation  (or  REO  Disposition)
               occurred,  to the extent applied as recoveries of interest at the
               Net Mortgage Rate and to principal of the Mortgage  Loan,  net of
               the portion  thereof  reimbursable  to the Master Servicer or any
               Subservicer  with  respect to related  Advances or expenses as to
               which  the  Master   Servicer  or   Subservicer  is  entitled  to
               reimbursement  thereunder  but  which  have not  been  previously
               reimbursed,

        (b)    which is the subject of a Servicing Modification,  (i) the amount
               by  which  the  interest  portion  of a  Monthly  Payment  or the
               principal balance of such Mortgage Loan was reduced, and (ii) any
               such amount with  respect to a Monthly  Payment that was or would
               have been due in the  month  immediately  following  the month in
               which  a  Principal  Prepayment  or the  Purchase  Price  of such
               Mortgage Loan is received or is deemed to have been received,

        (c)    which has  become  the  subject  of a  Deficient  Valuation,  the
               difference  between the  principal  balance of the Mortgage  Loan
               outstanding immediately prior to such Deficient Valuation and the
               principal  balance  of  the  Mortgage  Loan  as  reduced  by  the
               Deficient Valuation, or

                                       22
<PAGE>

        (d)    which has  become  the object of a Debt  Service  Reduction,  the
               amount of such Debt Service Reduction.

Notwithstanding  the above,  neither a Deficient  Valuation  nor a Debt  Service
Reduction  shall be  deemed a  Realized  Loss  hereunder  so long as the  Master
Servicer  has  notified  the  Trustee in writing  that the  Master  Servicer  is
diligently  pursuing  any  remedies  that  may  exist  in  connection  with  the
representations  and  warranties  made  regarding the related  Mortgage Loan and
either (A) the related  Mortgage  Loan is not in default with regard to payments
due  thereunder or (B)  delinquent  payments of principal and interest under the
related  Mortgage  Loan  and  any  premiums  on any  applicable  primary  hazard
insurance  policy and any related  escrow  payments in respect of such  Mortgage
Loan  are  being  advanced  on a  current  basis  by the  Master  Servicer  or a
Subservicer, in either case without giving effect to any Debt Service Reduction.

To the extent the Master Servicer receives Subsequent Recoveries with respect to
any Mortgage Loan, the amount of the Realized Loss with respect to that Mortgage
Loan will be reduced to the extent  such  recoveries  are  applied to reduce the
Certificate  Principal  Balance of any Class of Certificates on any Distribution
Date.

        Record  Date:  With  respect  to each  Distribution  Date,  the close of
business on the last Business Day of the month next preceding the month in which
the related Distribution Date occurs.

     Regular  Certificate:  Any  of  the  Certificates  other  than  a  Class  R
Certificate.

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

        REMIC  Administrator:  Residential Funding  Corporation.  If Residential
Funding  Corporation is found by a court of competent  jurisdiction to no longer
be able to fulfill its obligations as REMIC  Administrator  under this Agreement
the  Master  Servicer  or  Trustee  acting as Master  Servicer  shall  appoint a
successor REMIC Administrator,  subject to assumption of the REMIC Administrator
obligations under this Agreement.

        REMIC  Provisions:  Provisions of the federal income tax law relating to
real estate mortgage investment conduits,  which appear at Sections 860A through
860G of  Subchapter  M of Chapter 1 of the Code,  and  related  provisions,  and
temporary and final  regulations (or, to the extent not  inconsistent  with such
temporary or final  regulations,  proposed  regulations) and published  rulings,
notices and  announcements  promulgated  thereunder,  as the foregoing may be in
effect from time to time.

        REO Acquisition: The acquisition by the Master Servicer on behalf of the
Trustee for the benefit of the  Certificateholders  of any REO Property pursuant
to Section 3.14.

        REO Disposition:  As to any REO Property,  a determination by the Master
Servicer that it has received all Insurance Proceeds,  Liquidation Proceeds, REO
Proceeds and other payments and recoveries  (including proceeds of a final sale)
which the Master  Servicer  expects to be finally  recoverable  from the sale or
other disposition of the REO Property.

                                       23
<PAGE>

        REO Imputed Interest: As to any REO Property,  for any period, an amount
equivalent to interest (at the Net Mortgage Rate that would have been applicable
to the related  Mortgage Loan had it been  outstanding) on the unpaid  principal
balance of the  Mortgage  Loan as of the date of  acquisition  thereof  for such
period.

        REO Proceeds:  Proceeds, net of expenses, received in respect of any REO
Property (including, without limitation, proceeds from the rental of the related
Mortgaged  Property  or,  with  respect  to  a  Cooperative  Loan,  the  related
Cooperative  Apartment)  which  proceeds are  required to be deposited  into the
Custodial Account only upon the related REO Disposition.

        REO  Property:  A Mortgaged  Property  acquired  by the Master  Servicer
through  foreclosure  or  deed  in  lieu of  foreclosure  in  connection  with a
defaulted Mortgage Loan.

        Request  for  Release:  A request  for  release,  the forms of which are
attached as Exhibit F hereto,  or an electronic  request in a form acceptable to
the Custodian.

        Required  Insurance  Policy:  With  respect to any  Mortgage  Loan,  any
insurance policy which is required to be maintained from time to time under this
Agreement, the Program Guide or the related Subservicing Agreement in respect of
such Mortgage Loan.

        Required Surety Payment:  With respect to any Additional Collateral Loan
that becomes a Liquidated Mortgage Loan, the lesser of (i) the principal portion
of the Realized Loss with respect to such Mortgage Loan and (ii) the excess,  if
any, of (a) the amount of Additional  Collateral  required at  origination  with
respect  to  such  Mortgage  Loan  over  (b) the net  proceeds  realized  by the
Subservicer from the related Additional Collateral.

     Residential   Funding:   Residential   Funding   Corporation,   a  Delaware
corporation,  in its capacity as seller of the Mortgage Loans to the Company and
any successor thereto.

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

        Retail  Certificates:  A Senior Certificate,  if any, offered in smaller
minimum denominations than other Senior Certificates,  and designated as such in
the Series Supplement.

        Schedule of Discount Fractions:  The schedule setting forth the Discount
Fractions with respect to the Discount Mortgage Loans, attached as an exhibit to
the Series Supplement.

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

     Seller: As to any Mortgage Loan, a Person, including any Subservicer,  that
executed a Seller's Agreement applicable to such Mortgage Loan.

                                       24
<PAGE>

        Seller's  Agreement:  An  agreement  for  the  origination  and  sale of
Mortgage  Loans  generally  in the form of the Seller  Contract  referred  to or
contained in the Program  Guide,  or in such other form as has been  approved by
the  Master  Servicer  and the  Company,  each  containing  representations  and
warranties in respect of one or more Mortgage  Loans  consistent in all material
respects with those set forth in the Program Guide.

        Senior  Accelerated  Distribution   Percentage:   With  respect  to  any
Distribution  Date occurring on or prior to the 60th Distribution Date and, with
respect to any Mortgage  Pool  comprised  of two or more Loan  Groups,  any Loan
Group,  100%. With respect to any Distribution Date thereafter and any such Loan
Group, if applicable, as follows:

(i)     for any  Distribution  Date after the 60th  Distribution  Date but on or
        prior to the 72nd  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 70% of the related  Subordinate  Percentage
        for such Distribution Date;

(ii)    for any  Distribution  Date after the 72nd  Distribution  Date but on or
        prior to the 84th  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 60% of the related  Subordinate  Percentage
        for such Distribution Date;

(iii)   for any  Distribution  Date after the 84th  Distribution  Date but on or
        prior to the 96th  Distribution  Date, the related Senior Percentage for
        such  Distribution Date plus 40% of the related  Subordinate  Percentage
        for such Distribution Date;

(iv)    for any  Distribution  Date after the 96th  Distribution  Date but on or
        prior to the 108th  Distribution Date, the related Senior Percentage for
        such  Distribution Date plus 20% of the related  Subordinate  Percentage
        for such Distribution Date; and

(v)  for any  Distribution  Date  thereafter,  the  Senior  Percentage  for such
     Distribution Date;

provided, however,

        (i) that any scheduled reduction to the Senior Accelerated  Distribution
Percentage  described above shall not occur as of any  Distribution  Date unless
either

               (a)(1)(X) the outstanding principal balance of the Mortgage Loans
        delinquent  60 days or more  averaged  over the last  six  months,  as a
        percentage of the aggregate outstanding Certificate Principal Balance of
        the  Subordinate  Certificates,  is less than 50% or (Y) the outstanding
        principal  balance of Mortgage Loans delinquent 60 days or more averaged
        over the last six months,  as a percentage of the aggregate  outstanding
        principal  balance  of all  Mortgage  Loans  averaged  over the last six
        months, does not exceed 2% and (2) Realized Losses on the Mortgage Loans
        to date  for such  Distribution  Date if  occurring  during  the  sixth,
        seventh,  eighth, ninth or tenth year (or any year thereafter) after the
        Closing Date are less than 30%, 35%, 40%, 45% or 50%,  respectively,  of
        the sum of the Initial Certificate Principal Balances of the Subordinate
        Certificates or

                (b)(1)  the  outstanding  principal  balance of  Mortgage  Loans
        delinquent  60 days or more  averaged  over the last  six  months,  as a

                                       25
<PAGE>

        percentage  of  the  aggregate  outstanding  principal  balance  of  all
        Mortgage Loans averaged over the last six months, does not exceed 4% and
        (2) Realized Losses on the Mortgage Loans to date for such  Distribution
        Date, if occurring  during the sixth,  seventh,  eighth,  ninth or tenth
        year (or any year thereafter)  after the Closing Date are less than 10%,
        15%,  20%,  25%  or  30%,  respectively,  of  the  sum  of  the  Initial
        Certificate Principal Balances of the Subordinate Certificates, and

        (ii) that for any  Distribution  Date on which the Senior  Percentage is
greater  than  the  Senior  Percentage  as  of  the  Closing  Date,  the  Senior
Accelerated  Distribution  Percentage for such  Distribution Date shall be 100%,
or,  if the  Mortgage  Pool is  comprised  of two or more Loan  Groups,  for any
Distribution  Date on which the weighted  average of the Senior  Percentages for
each Loan Group,  weighted on the basis of the Stated Principal  Balances of the
Mortgage  Loans in the related Loan Group,  exceeds the weighted  average of the
initial Senior Percentages  (calculated on such basis) for each Loan Group, each
of the Senior  Accelerated  Distribution  Percentages for such Distribution Date
will equal 100%.

Notwithstanding the foregoing,  upon the reduction of the Certificate  Principal
Balances  of  the  related  Senior   Certificates  (other  than  the  Class  A-P
Certificates,  if any) to zero,  the  related  Senior  Accelerated  Distribution
Percentage shall thereafter be 0%.

        Senior Certificate:  As defined in the Series Supplement.

        Senior Percentage: As defined in the Series Supplement.

        Senior  Support   Certificate:   A  Senior   Certificate  that  provides
additional  credit  enhancement to certain other classes of Senior  Certificates
and designated as such in the Preliminary Statement of the Series Supplement.

     Series: All of the Certificates  issued pursuant to a Pooling and Servicing
Agreement and bearing the same series designation.

        Series  Supplement:  The  agreement  into which this  Standard  Terms is
incorporated and pursuant to which,  together with this Standard Terms, a Series
of Certificates is issued.

     Servicing Accounts: The account or accounts created and maintained pursuant
to Section 3.08.

        Servicing  Advances:  All  customary,  reasonable  and necessary "out of
pocket" costs and expenses incurred in connection with a default, delinquency or
other  unanticipated  event by the Master  Servicer  in the  performance  of its
servicing  obligations,  including,  but not  limited  to,  the  cost of (i) the
preservation,  restoration  and  protection  of a  Mortgaged  Property  or, with
respect to a  Cooperative  Loan,  the related  Cooperative  Apartment,  (ii) any
enforcement  or judicial  proceedings,  including  foreclosures,  including  any
expenses  incurred  in  relation  to any such  proceedings  that result from the
Mortgage Loan being  registered  on the MERS System,  (iii) the  management  and
liquidation of any REO Property and (iv) compliance  with the obligations  under
Sections 3.01, 3.08, 3.11, 3.12(a) and 3.14,  including,  if the Master Servicer
or any Affiliate of the Master Servicer provides services such as appraisals and
brokerage services that are customarily provided by Persons other than servicers
of mortgage loans, reasonable compensation for such services.

                                       26
<PAGE>

        Servicing Fee: With respect to any Mortgage Loan and Distribution  Date,
the fee payable  monthly to the Master  Servicer in respect of master  servicing
compensation  that accrues at an annual rate  designated  on the  Mortgage  Loan
Schedule as the "MSTR SERV FEE" for such Mortgage  Loan, as may be adjusted with
respect to successor Master Servicers as provided in Section 7.02.

        Servicing  Modification:  Any  reduction of the interest  rate on or the
outstanding  principal  balance of a Mortgage  Loan that is in  default,  or for
which,  in  the  judgment  of  the  Master   Servicer,   default  is  reasonably
foreseeable, pursuant to a modification of such Mortgage Loan in accordance with
Section 3.07(a).

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

        Special  Hazard Loss: Any Realized Loss not in excess of the cost of the
lesser of repair or replacement  of a Mortgaged  Property (or, with respect to a
Cooperative Loan, the related Cooperative  Apartment) suffered by such Mortgaged
Property  (or  Cooperative  Apartment)  on  account  of  direct  physical  loss,
exclusive  of (i) any  loss of a type  covered  by a  hazard  policy  or a flood
insurance policy required to be maintained in respect of such Mortgaged Property
pursuant  to Section  3.12(a),  except to the extent of the portion of such loss
not covered as a result of any coinsurance  provision and (ii) any Extraordinary
Loss.

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

        Stated Principal  Balance:  With respect to any Mortgage Loan or related
REO Property,  at any given time, (i) the Cut-off Date Principal  Balance of the
Mortgage  Loan,  minus (ii) the sum of (a) the principal  portion of the Monthly
Payments due with respect to such Mortgage Loan or REO Property  during each Due
Period ending prior to the most recent  Distribution Date which were received or
with  respect to which an Advance was made,  and (b) all  Principal  Prepayments
with respect to such Mortgage Loan or REO Property,  and all Insurance Proceeds,
Liquidation  Proceeds  and REO  Proceeds,  to the  extent  applied by the Master
Servicer as recoveries of principal in accordance with Section 3.14 with respect
to such  Mortgage  Loan or REO  Property,  in each case which  were  distributed
pursuant to Section 4.02 on any previous Distribution Date, and (c) any Realized
Loss  allocated  to  Certificateholders  with  respect  thereto for any previous
Distribution Date.

        Subclass:  With  respect  to the Class A-V  Certificates,  any  Subclass
thereof issued pursuant to Section 5.01(c). Any such Subclass will represent the
Uncertificated  Class A-V REMIC Regular  Interest or Interests  specified by the
initial Holder of the Class A-V Certificates pursuant to Section 5.01(c).

                                       27
<PAGE>

        Subordinate Certificate:  Any one of the Class M Certificates or Class B
Certificates,  executed  by the  Trustee and  authenticated  by the  Certificate
Registrar  substantially  in the form annexed hereto as Exhibit B and Exhibit C,
respectively.

        Subordinate Class Percentage:  With respect to any Distribution Date and
any Class of Subordinate  Certificates,  a fraction,  expressed as a percentage,
the numerator of which is the aggregate  Certificate  Principal  Balance of such
Class  of  Subordinate  Certificates  immediately  prior  to such  date  and the
denominator  of which is the aggregate  Stated  Principal  Balance of all of the
Mortgage  Loans (or related  REO  Properties)  (other than the related  Discount
Fraction of each Discount  Mortgage Loan) immediately prior to such Distribution
Date.

        Subordinate Percentage: As of any Distribution Date and, with respect to
any Mortgage  Pool  comprised of two or more Loan Groups,  any Loan Group,  100%
minus the related Senior Percentage as of such Distribution Date.

        Subsequent Recoveries:  As of any Distribution Date, amounts received by
the Master  Servicer  (net of any related  expenses  permitted to be  reimbursed
pursuant  to Section  3.10) or surplus  amounts  held by the Master  Servicer to
cover estimated expenses  (including,  but not limited to, recoveries in respect
of the representations and warranties made by the related Seller pursuant to the
applicable  Seller's  Agreement and assigned to the Trustee  pursuant to Section
2.04)  specifically  related to a Mortgage  Loan that was the  subject of a Cash
Liquidation or an REO Disposition  prior to the related  Prepayment  Period that
resulted in a Realized Loss.

     Subserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference
thereto, is subject to a Subservicing Agreement.

        Subservicer: Any Person with whom the Master Servicer has entered into a
Subservicing Agreement and who generally satisfied the requirements set forth in
the Program Guide in respect of the  qualification  of a  Subservicer  as of the
date of its approval as a Subservicer by the Master Servicer.

        Subservicer  Advance:  Any  delinquent   installment  of  principal  and
interest on a Mortgage Loan which is advanced by the related Subservicer (net of
its Subservicing Fee) pursuant to the Subservicing Agreement.

     Subservicing Account: An account established by a Subservicer in accordance
with Section 3.08.

        Subservicing Agreement: The written contract between the Master Servicer
and any Subservicer relating to servicing and administration of certain Mortgage
Loans as  provided  in  Section  3.02,  generally  in the  form of the  servicer
contract  referred to or contained in the Program Guide or in such other form as
has been  approved  by the Master  Servicer  and the  Company.  With  respect to
Additional  Collateral  Loans  subserviced by MLCC, the  Subservicing  Agreement
shall also include the Addendum and  Assignment  Agreement and the Pledged Asset
Mortgage Servicing Agreement. With respect to any Pledged Asset Loan subserviced
by GMAC Mortgage Corporation, the Addendum and Assignment Agreement, dated as of
November 24, 1998, between the Master Servicer and GMAC Mortgage Corporation, as
such agreement may be amended from time to time.

                                       28
<PAGE>

        Subservicing  Fee: As to any Mortgage Loan,  the fee payable  monthly to
the related  Subservicer (or, in the case of a Nonsubserviced  Mortgage Loan, to
the Master  Servicer) in respect of  subservicing  and other  compensation  that
accrues at an annual rate equal to the excess of the Mortgage  Rate borne by the
related  Mortgage  Note over the rate per annum  designated on the Mortgage Loan
Schedule as the "CURR NET" for such Mortgage Loan.

     Surety:  Ambac, or its successors in interest,  or such other surety as may
be identified in the Series Supplement.

        Surety Bond:  The Limited  Purpose  Surety Bond  (Policy No.  AB0039BE),
dated February 28, 1996 in respect to Mortgage Loans  originated by MLCC, or the
Surety Bond (Policy No.  AB0240BE),  dated March 17, 1999 in respect to Mortgage
Loans  originated by Novus Financial  Corporation,  in each case issued by Ambac
for the benefit of certain beneficiaries,  including the Trustee for the benefit
of the Holders of the Certificates, but only to the extent that such Surety Bond
covers any  Additional  Collateral  Loans,  or such other  Surety Bond as may be
identified in the Series Supplement.

        Tax Returns:  The federal income tax return on Internal  Revenue Service
Form 1066,  U.S.  Real Estate  Mortgage  Investment  Conduit  Income Tax Return,
including  Schedule Q thereto,  Quarterly Notice to Residual Interest Holders of
REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed
on behalf of any REMIC  formed under the Series  Supplement  and under the REMIC
Provisions, together with any and all other information, reports or returns that
may be  required to be  furnished  to the  Certificateholders  or filed with the
Internal  Revenue Service or any other  governmental  taxing authority under any
applicable provisions of federal, state or local tax laws.

     Transfer: Any direct or indirect transfer,  sale, pledge,  hypothecation or
other form of assignment of any Ownership Interest in a Certificate.

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

     Transferor:  Any Person  who is  disposing  by  Transfer  of any  Ownership
Interest in a Certificate.

        Trust Fund:  The  segregated  pool of assets  related to a Series,  with
respect to which one or more REMIC  elections  are to be made  pursuant  to this
Agreement, consisting of:

(i)  the Mortgage Loans and the related  Mortgage Files and collateral  securing
     such Mortgage Loans,

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

                                       29
<PAGE>

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

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

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

        Uniform Single  Attestation  Program for Mortgage  Bankers:  The Uniform
Single  Attestation  Program for Mortgage Bankers,  as published by the Mortgage
Bankers  Association  of America and  effective  with respect to fiscal  periods
ending on or after December 15, 1995.

        Uninsured  Cause:  Any cause of damage to property subject to a Mortgage
such that the complete restoration of such property is not fully reimbursable by
the hazard insurance policies.

        United  States Person or U.S.  Person:  (i) A citizen or resident of the
United  States,  (ii) a  corporation,  partnership  or other entity treated as a
corporation  or  partnership  for United  States  federal  income  tax  purposes
organized in or under the laws of the United  States or any state thereof or the
District of Columbia (unless, in the case of a partnership, Treasury regulations
provide  otherwise),  provided that, for purposes solely of the  restrictions on
the transfer of residual interests,  no partnership or other entity treated as a
partnership  for United States federal income tax purposes shall be treated as a
United States  Person or U.S.  Person unless all persons that own an interest in
such partnership  either directly or indirectly through any chain of entities no
one of which is a corporation  for United States federal income tax purposes are
required by the  applicable  operating  agreement to be United  States  Persons,
(iii) an estate the  income of which is  includible  in gross  income for United
States tax purposes, regardless of its source, or (iv) a trust if a court within
the  United   States  is  able  to  exercise   primary   supervision   over  the
administration of the trust and one or more United States persons have authority
to control all substantial decisions of the trust. Notwithstanding the preceding
sentence,  to the extent  provided in Treasury  regulations,  certain  Trusts in
existence on August 20, 1996, and treated as United States persons prior to such
date, that elect to continue to be treated as United States persons will also be
a U.S. Person.

     Voting Rights:  The portion of the voting rights of all of the Certificates
which is allocated  to any  Certificate,  and more  specifically  designated  in
Article XI of the Series Supplement.

Section 1.02.  Use of Words and Phrases.

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

                                       30
<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;

                        ORIGINAL ISSUANCE OF CERTIFICATES

Section 2.01.  Conveyance of Mortgage Loans.

(a) The Company,  concurrently  with the  execution  and delivery  hereof,  does
hereby assign to the Trustee without recourse all the right,  title and interest
of the  Company  in and  to the  Mortgage  Loans,  including  all  interest  and
principal  received on or with respect to the  Mortgage  Loans after the Cut-off
Date (other than payments of principal and interest due on the Mortgage Loans on
or before the Cut-off Date).  In connection  with such transfer and  assignment,
the Company  does  hereby  deliver to the  Trustee  the  Certificate  Policy (as
defined in the Series Supplement), if any.

(b) In connection with such  assignment,  except as set forth in Section 2.01(c)
and subject to Section  2.01(d)  below,  the Company does hereby deliver to, and
deposit with, the Trustee,  or to and with one or more  Custodians,  as the duly
appointed  agent or  agents  of the  Trustee  for such  purpose,  the  following
documents or  instruments  (or copies  thereof as permitted by this Section) (I)
with respect to each Mortgage Loan so assigned (other than a Cooperative Loan):

(i)     The original  Mortgage Note,  endorsed  without recourse to the order of
        the  Trustee,  and showing an unbroken  chain of  endorsements  from the
        originator  thereof to the Person  endorsing it to the Trustee,  or with
        respect to any Destroyed  Mortgage Note, an original lost note affidavit
        from the related Seller or Residential Funding stating that the original
        Mortgage Note was lost, misplaced or destroyed,  together with a copy of
        the related Mortgage Note;

(ii)    The  original  Mortgage,  noting the presence of the MIN of the Mortgage
        Loan and language indicating that the Mortgage Loan is a MOM Loan if the
        Mortgage  Loan is a MOM  Loan,  with  evidence  of  recording  indicated
        thereon or a copy of the Mortgage with  evidence of recording  indicated
        thereon;

(iii)   Unless  the  Mortgage  Loan is  registered  on the  MERS(R)  System,  an
        original  Assignment  of the  Mortgage to the Trustee  with  evidence of
        recording  indicated  thereon or a copy of such assignment with evidence
        of recording indicated thereon;

(iv)    The original recorded  assignment or assignments of the Mortgage showing
        an  unbroken  chain of title from the  originator  thereof to the Person
        assigning  it to the  Trustee  (or to  MERS,  if the  Mortgage  Loan  is
        registered on the MERS(R)  System and noting the presence of a MIN) with
        evidence of recordation noted thereon or attached thereto,  or a copy of
        such  assignment  or  assignments  of  the  Mortgage  with  evidence  of
        recording indicated thereon; and

(v)     The  original of each  modification,  assumption  agreement or preferred
        loan agreement, if any, relating to such Mortgage Loan or a copy of each
        modification, assumption agreement or preferred loan agreement.

                                       31
<PAGE>

        and (II) with respect to each Cooperative Loan so assigned:

(i)     The original  Mortgage Note,  endorsed  without recourse to the order of
        the  Trustee  and showing an  unbroken  chain of  endorsements  from the
        originator  thereof to the Person  endorsing it to the Trustee,  or with
        respect to any Destroyed  Mortgage Note, an original lost note affidavit
        from the related Seller or Residential Funding stating that the original
        Mortgage Note was lost, misplaced or destroyed,  together with a copy of
        the related Mortgage Note;

(ii)    A counterpart of the Cooperative Lease and the Assignment of Proprietary
        Lease  to  the  originator  of the  Cooperative  Loan  with  intervening
        assignments  showing an unbroken chain of title from such  originator to
        the Trustee;

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

(iv) The original  recognition  agreement by the Cooperative of the interests of
     the mortgagee with respect to the related Cooperative Loan;

(v)     The Security Agreement;

(vi)    Copies of the original UCC-1 financing  statement,  and any continuation
        statements,  filed by the originator of such Cooperative Loan as secured
        party, each with evidence of recording thereof,  evidencing the interest
        of the  originator  under the Security  Agreement and the  Assignment of
        Proprietary Lease;

(vii)   Copies  of  the  filed  UCC-3   assignments  of  the  security  interest
        referenced in clause (vi) above showing an unbroken  chain of title from
        the originator to the Trustee,  each with evidence of recording thereof,
        evidencing the interest of the originator  under the Security  Agreement
        and the Assignment of Proprietary Lease;

(viii)  An executed assignment of the interest of the originator in the Security
        Agreement, Assignment of Proprietary Lease and the recognition agreement
        referenced in clause (iv) above, showing an unbroken chain of title from
        the originator to the Trustee;

(ix)    The  original of each  modification,  assumption  agreement or preferred
        loan agreement, if any, relating to such Cooperative Loan; and

(x)     A duly completed UCC-1 financing  statement  showing the Master Servicer
        as debtor,  the Company as secured party and the Trustee as assignee and
        a duly completed UCC-1 financing statement showing the Company as debtor
        and the Trustee as secured party,  each in a form sufficient for filing,
        evidencing the interest of such debtors in the Cooperative Loans.

(c) The Company may, in lieu of  delivering  the original of the  documents  set
forth in Section  2.01(b)(I)(ii),  (iii), (iv) and (v) and Section  (b)(II)(ii),

                                       32
<PAGE>

(iv), (vii), (ix) and (x) (or copies thereof as permitted by Section 2.01(b)) to
the Trustee or the Custodian or Custodians, deliver such documents to the Master
Servicer, and the Master Servicer shall hold such documents in trust for the use
and benefit of all present and future  Certificateholders  until such time as is
set forth in the next  sentence.  Within  thirty  Business  Days  following  the
earlier  of (i)  the  receipt  of the  original  of  all  of  the  documents  or
instruments set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section
(b)(II)(ii),  (iv),  (vii), (ix) and (x) (or copies thereof as permitted by such
Section)  for any  Mortgage  Loan and (ii) a written  request by the  Trustee to
deliver those  documents  with respect to any or all of the Mortgage  Loans then
being held by the Master Servicer,  the Master Servicer shall deliver a complete
set of such documents to the Trustee or the Custodian or Custodians that are the
duly appointed agent or agents of the Trustee.

(d)  Notwithstanding  the provisions of Section 2.01(c),  in connection with any
Mortgage Loan, if the Company  cannot deliver the original of the Mortgage,  any
assignment,  modification,  assumption agreement or preferred loan agreement (or
copy thereof as permitted by Section 2.01(b)) with evidence of recording thereon
concurrently  with the execution and delivery of this Agreement because of (i) a
delay caused by the public  recording  office where such  Mortgage,  assignment,
modification,  assumption  agreement or preferred loan agreement as the case may
be,  has been  delivered  for  recordation,  or (ii) a delay in the  receipt  of
certain information  necessary to prepare the related  assignments,  the Company
shall  deliver  or  cause  to be  delivered  to the  Trustee  or the  respective
Custodian  a  copy  of  such  Mortgage,  assignment,  modification,   assumption
agreement or preferred loan agreement.

        The Company  shall  promptly  cause to be  recorded  in the  appropriate
public office for real  property  records the  Assignment  referred to in clause
(I)(iii)  of Section  2.01(b),  except (a) in states  where,  in the  opinion of
counsel acceptable to the Trustee and the Master Servicer, such recording is not
required to protect the  Trustee's  interests in the  Mortgage  Loan against the
claim of any  subsequent  transferee  or any  successor  to or  creditor  of the
Company or the  originator of such Mortgage Loan or (b) if MERS is identified on
the  Mortgage  or on a  properly  recorded  assignment  of the  Mortgage  as the
mortgagee  of record  solely as nominee  for the Seller and its  successors  and
assigns,  and shall  promptly  cause to be filed the Form UCC-3  assignment  and
UCC-1 financing statement referred to in clause (II)(vii) and (x), respectively,
of Section 2.01(b). If any Assignment,  Form UCC-3 or Form UCC-1, as applicable,
is lost or returned unrecorded to the Company because of any defect therein, the
Company  shall  prepare a substitute  Assignment,  Form UCC-3 or Form UCC-1,  as
applicable,  or cure such defect,  as the case may be, and cause such Assignment
to be recorded in accordance  with this  paragraph.  The Company shall  promptly
deliver or cause to be delivered to the Trustee or the respective Custodian such
Mortgage or  Assignment  or Form UCC-3 or Form UCC-1,  as  applicable,  (or copy
thereof as permitted by Section  2.01(b)) with  evidence of recording  indicated
thereon  at the time  specified  in  Section  2.01(c).  In  connection  with its
servicing of Cooperative Loans, the Master Servicer will use its best efforts to
file timely continuation  statements with regard to each financing statement and
assignment  relating to  Cooperative  Loans as to which the related  Cooperative
Apartment is located outside of the State of New York.

        If the Company delivers to the Trustee or Custodian any Mortgage Note or
Assignment of Mortgage in blank, the Company shall, or shall cause the Custodian
to, complete the endorsement of the Mortgage Note and the Assignment of Mortgage
in the name of the Trustee in conjunction with the Interim  Certification issued
by the Custodian, as contemplated by Section 2.02.

                                       33
<PAGE>

        Any of the items set forth in Sections  2.01(b)(I)(ii),  (iii), (iv) and
(v) and  (II)(vi)  and (vii) and that may be delivered as a copy rather than the
original may be delivered to the Trustee or the Custodian.

        In connection with the assignment of any Mortgage Loan registered on the
MERS(R) System,  the Company further agrees that it will cause, at the Company's
own expense,  within 30 Business Days after the Closing Date, the MERS(R) System
to indicate  that such  Mortgage  Loans have been assigned by the Company to the
Trustee   in   accordance   with  this   Agreement   for  the   benefit  of  the
Certificateholders  by including  (or  deleting,  in the case of Mortgage  Loans
which are  repurchased in accordance with this Agreement) in such computer files
(a) the code in the field which identifies the specific Trustee and (b) the code
in the field "Pool Field" which identifies the series of the Certificates issued
in connection with such Mortgage Loans.  The Company further agrees that it will
not, and will not permit the Master  Servicer to, and the Master Servicer agrees
that it will not,  alter the codes  referenced in this paragraph with respect to
any  Mortgage  Loan  during  the term of this  Agreement  unless  and until such
Mortgage Loan is repurchased in accordance with the terms of this Agreement.

(e) Residential  Funding hereby assigns to the Trustee its security  interest in
and to any Additional Collateral or Pledged Assets, its right to receive amounts
due or to become due in respect of any  Additional  Collateral or Pledged Assets
pursuant to the related  Subservicing  Agreement  and its rights as  beneficiary
under the Surety  Bond in  respect  of any  Additional  Collateral  Loans.  With
respect to any  Additional  Collateral  Loan or Pledged Asset Loan,  Residential
Funding  shall  cause to be filed in the  appropriate  recording  office a UCC-3
statement  giving notice of the assignment of the related  security  interest to
the Trust Fund and shall  thereafter  cause the timely  filing of all  necessary
continuation statements with regard to such financing statements.

(f) It is  intended  that the  conveyance  by the  Company to the Trustee of the
Mortgage  Loans as provided for in this  Section 2.01 be and the  Uncertificated
REMIC Regular Interests,  if any (as provided for in Section 2.06), be construed
as a  sale  by the  Company  to  the  Trustee  of the  Mortgage  Loans  and  any
Uncertificated    REMIC    Regular    Interests   for   the   benefit   of   the
Certificateholders.  Further,  it is not intended that such conveyance be deemed
to be a pledge  of the  Mortgage  Loans  and any  Uncertificated  REMIC  Regular
Interests by the Company to the Trustee to secure a debt or other  obligation of
the Company.  Nonetheless,  (a) this Agreement is intended to be and hereby is a
security  agreement  within  the  meaning  of  Articles  8 and 9 of the New York
Uniform  Commercial Code and the Uniform Commercial Code of any other applicable
jurisdiction; (b) the conveyance provided for in Section 2.01 shall be deemed to
be,  and hereby  is,  (1) a grant by the  Company  to the  Trustee of a security
interest in all of the  Company's  right  (including  the power to convey  title
thereto), title and interest, whether now owned or hereafter acquired, in and to
any and all general intangibles,  payment intangibles,  accounts, chattel paper,
instruments, documents, money, deposit accounts, certificates of deposit, goods,
letters of credit,  advices of credit and investment property and other property
of whatever kind or description  now existing or hereafter  acquired  consisting
of,  arising from or relating to any of the following:  (A) the Mortgage  Loans,
including (i) with respect to each Cooperative  Loan, the related Mortgage Note,
Security   Agreement,   Assignment  of  Proprietary  Lease,   Cooperative  Stock
Certificate and Cooperative Lease, (ii) with respect to each Mortgage Loan other

                                       34
<PAGE>

than a Cooperative  Loan, the related Mortgage Note and Mortgage,  and (iii) any
insurance policies and all other documents in the related Mortgage File, (B) all
amounts  payable  pursuant to the Mortgage  Loans in  accordance  with the terms
thereof,  (C) any Uncertificated REMIC Regular Interests and (D) all proceeds of
the  conversion,   voluntary  or  involuntary,   of  the  foregoing  into  cash,
instruments,  securities or other  property,  including  without  limitation all
amounts  from time to time held or  invested in the  Certificate  Account or the
Custodial Account, whether in the form of cash, instruments, securities or other
property  and (2) an  assignment  by the Company to the Trustee of any  security
interest in any and all of Residential  Funding's right  (including the power to
convey  title  thereto),  title and  interest,  whether  now owned or  hereafter
acquired, in and to the property described in the foregoing clauses (1)(A), (B),
(C) and (D)  granted by  Residential  Funding  to the  Company  pursuant  to the
Assignment  Agreement;  (c) the possession by the Trustee,  the Custodian or any
other agent of the Trustee of Mortgage  Notes or such other items of property as
constitute instruments, money, payment intangibles, negotiable documents, goods,
deposit accounts,  letters of credit,  advices of credit,  investment  property,
certificated  securities or chattel paper shall be deemed to be  "possession  by
the secured party," or possession by a purchaser or a person  designated by such
secured party, for purposes of perfecting the security  interest pursuant to the
Minnesota Uniform  Commercial Code and the Uniform  Commercial Code of any other
applicable  jurisdiction as in effect (including,  without limitation,  Sections
8-106,  9-313 and 9-106 thereof);  and (d) notifications to persons holding such
property,  and  acknowledgments,  receipts or confirmations from persons holding
such property, shall be deemed notifications to, or acknowledgments, receipts or
confirmations from, securities intermediaries,  bailees or agents of, or persons
holding for (as  applicable)  the Trustee  for the  purpose of  perfecting  such
security interest under applicable law.

        The Company and, at the Company's direction, Residential Funding and the
Trustee  shall,  to  the  extent  consistent  with  this  Agreement,  take  such
reasonable  actions as may be necessary to ensure that, if this  Agreement  were
determined  to  create  a  security   interest  in  the  Mortgage   Loans,   any
Uncertificated  REMIC Regular Interests and the other property  described above,
such security  interest would be determined to be a perfected  security interest
of first priority under applicable law and will be maintained as such throughout
the term of this  Agreement.  Without  limiting the generality of the foregoing,
the Company shall prepare and deliver to the Trustee not less than 15 days prior
to any filing date and, the Trustee shall forward for filing,  or shall cause to
be forwarded for filing, at the expense of the Company, all filings necessary to
maintain the  effectiveness of any original filings  necessary under the Uniform
Commercial  Code as in effect  in any  jurisdiction  to  perfect  the  Trustee's
security interest in or lien on the Mortgage Loans and any Uncertificated  REMIC
Regular  Interests,  as evidenced by an  Officers'  Certificate  of the Company,
including  without  limitation (x) continuation  statements,  and (y) such other
statements  as may be  occasioned  by (1) any  change  of  name  of  Residential
Funding, the Company or the Trustee (such preparation and filing shall be at the
expense of the Trustee,  if occasioned by a change in the Trustee's  name),  (2)
any change of location of the place of business or the chief executive office of
Residential  Funding  or the  Company,  (3)  any  transfer  of any  interest  of
Residential  Funding or the Company in any Mortgage  Loan or (4) any transfer of
any interest of Residential  Funding or the Company in any Uncertificated  REMIC
Regular Interest.

                                       35
<PAGE>

(g) The Master  Servicer  hereby  acknowledges  the receipt by it of the Initial
Monthly  Payment  Fund.  The Master  Servicer  shall hold such  Initial  Monthly
Payment Fund in the  Custodial  Account and shall  include such Initial  Monthly
Payment Fund in the Available  Distribution Amount for the initial  Distribution
Date.  Notwithstanding  anything  herein to the  contrary,  the Initial  Monthly
Payment Fund shall not be an asset of any REMIC.  To the extent that the Initial
Monthly Payment Fund constitutes a reserve fund for federal income tax purposes,
(1) it shall be an outside  reserve  fund and not an asset of any REMIC,  (2) it
shall be owned by the Seller  and (3)  amounts  transferred  by any REMIC to the
Initial  Monthly  Payment Fund shall be treated as  transferred to the Seller or
any  successor,  all within the meaning of Section  1.860G-2(h)  of the Treasury
Regulations.

(h) The Company agrees that the sale of each Pledged Asset Loan pursuant to this
Agreement will also constitute the assignment, sale, setting-over,  transfer and
conveyance  to the  Trustee,  without  recourse  (but  subject to the  Company's
covenants,  representations and warranties specifically provided herein), of all
of the Company's  obligations and all of the Company's right, title and interest
in, to and under,  whether now  existing or  hereafter  acquired as owner of the
Mortgage  Loan  with  respect  to  any  and  all  money,  securities,   security
entitlements,  accounts, general intangibles, payment intangibles,  instruments,
documents, deposit accounts, certificates of deposit, commodities contracts, and
other  investment  property and other  property of whatever kind or  description
consisting of, arising from or related to (i) the Assigned  Contracts,  (ii) all
rights,  powers and remedies of the Company as owner of such Mortgage Loan under
or in connection with the Assigned Contracts, whether arising under the terms of
such Assigned  Contracts,  by statute, at law or in equity, or otherwise arising
out of any default by the  Mortgagor  under or in  connection  with the Assigned
Contracts,  including  all rights to exercise  any election or option or to make
any  decision  or  determination  or to give or  receive  any  notice,  consent,
approval  or  waiver  thereunder,  (iii)  the  Pledged  Amounts  and all  money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
intangibles,  instruments, documents, deposit accounts, certificates of deposit,
commodities  contracts,  and other  investment  property  and other  property of
whatever  kind or  description  and all cash and non-cash  proceeds of the sale,
exchange,  or  redemption  of,  and all stock or  conversion  rights,  rights to
subscribe,  liquidation  dividends or preferences,  stock  dividends,  rights to
interest, dividends, earnings, income, rents, issues, profits, interest payments
or other  distributions  of cash or other  property that secures a Pledged Asset
Loan, (iv) all documents,  books and records concerning the foregoing (including
all  computer  programs,  tapes,  disks and related  items  containing  any such
information) and (v) all insurance proceeds (including proceeds from the Federal
Deposit Insurance Corporation or the Securities Investor Protection  Corporation
or any other insurance company) of any of the foregoing or replacements  thereof
or substitutions therefor, proceeds of proceeds and the conversion, voluntary or
involuntary,  of any thereof.  The  foregoing  transfer,  sale,  assignment  and
conveyance does not constitute and is not intended to result in the creation, or
an assumption  by the Trustee,  of any  obligation of the Company,  or any other
person  in  connection  with the  Pledged  Assets  or  under  any  agreement  or
instrument  relating thereto,  including any obligation to the Mortgagor,  other
than as owner of the Mortgage Loan.

Section 2.02.  Acceptance by Trustee.
               ---------------------

        The Trustee  acknowledges  receipt (or,  with respect to Mortgage  Loans
subject  to  a  Custodial  Agreement,   and  based  solely  upon  a  receipt  or
certification executed by the Custodian,  receipt by the respective Custodian as

                                       36
<PAGE>

the duly appointed agent of the Trustee) of the documents referred to in Section
2.01(b)(i)  above  (except  that for  purposes of such  acknowledgement  only, a
Mortgage  Note may be endorsed in blank) and declares that it, or a Custodian as
its  agent,  holds  and  will  hold  such  documents  and  the  other  documents
constituting a part of the Mortgage Files delivered to it, or a Custodian as its
agent, and the rights of Residential Funding with respect to any Pledged Assets,
Additional  Collateral  and the Surety Bond assigned to the Trustee  pursuant to
Section  2.01,  in trust  for the use and  benefit  of all  present  and  future
Certificateholders.  The Trustee or Custodian (such Custodian being so obligated
under a Custodial Agreement) agrees, for the benefit of  Certificateholders,  to
review each Mortgage File delivered to it pursuant to Section  2.01(b) within 45
days  after  the  Closing  Date  to  ascertain   that  all  required   documents
(specifically as set forth in Section 2.01(b)), have been executed and received,
and that such documents  relate to the Mortgage Loans identified on the Mortgage
Loan Schedule, as supplemented, that have been conveyed to it, and to deliver to
the Trustee a certificate (the "Interim  Certification")  to the effect that all
documents  required to be delivered  pursuant to Section 2.01(b) above have been
executed  and  received and that such  documents  relate to the  Mortgage  Loans
identified on the Mortgage Loan Schedule,  except for any  exceptions  listed on
Schedule A attached to such Interim Certification. Upon delivery of the Mortgage
Files by the  Company or the Master  Servicer,  the  Trustee  shall  acknowledge
receipt (or, with respect to Mortgage  Loans  subject to a Custodial  Agreement,
and based  solely upon a receipt or  certification  executed  by the  Custodian,
receipt by the respective  Custodian as the duly appointed agent of the Trustee)
of the documents referred to in Section 2.01(c) above.

        If  the  Custodian,  as the  Trustee's  agent,  finds  any  document  or
documents constituting a part of a Mortgage File to be missing or defective, the
Trustee shall promptly so notify the Master  Servicer and the Company.  Pursuant
to Section 2.3 of the Custodial Agreement,  the Custodian will notify the Master
Servicer, the Company and the Trustee of any such omission or defect found by it
in respect of any Mortgage  File held by it in respect of the items  reviewed by
it pursuant to the Custodial  Agreement.  If such omission or defect  materially
and  adversely  affects  the  interests  of the  Certificateholders,  the Master
Servicer  shall  promptly  notify  the  related  Subservicer  or  Seller of such
omission or defect and request that such  Subservicer  or Seller correct or cure
such  omission or defect  within 60 days from the date the Master  Servicer  was
notified of such omission or defect and, if such  Subservicer or Seller does not
correct  or  cure  such  omission  or  defect  within  such  period,  that  such
Subservicer  or Seller  purchase  such  Mortgage Loan from the Trust Fund at its
Purchase  Price, in either case within 90 days from the date the Master Servicer
was notified of such omission or defect; provided that if the omission or defect
would cause the Mortgage Loan to be other than a "qualified mortgage" as defined
in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within
90 days from the date such breach was  discovered.  The  Purchase  Price for any
such Mortgage Loan, whether purchased by the Seller or the Subservicer, shall be
deposited  or caused to be  deposited  by the Master  Servicer in the  Custodial
Account  maintained  by it pursuant  to Section  3.07 and,  upon  receipt by the
Trustee of written  notification of such deposit signed by a Servicing  Officer,
the Trustee or any  Custodian,  as the case may be, shall  release to the Master
Servicer the related  Mortgage  File and the Trustee  shall  execute and deliver
such instruments of transfer or assignment  prepared by the Master Servicer,  in
each case without  recourse,  as shall be necessary to vest in the Seller or its
designee or the  Subservicer  or its designee,  as the case may be, any Mortgage
Loan released  pursuant  hereto and  thereafter  such Mortgage Loan shall not be
part of the Trust Fund. In furtherance of the foregoing,  if the  Subservicer or
Seller  that  repurchases  the  Mortgage  Loan is not a  member  of MERS and the

                                       37
<PAGE>

Mortgage is registered on the MERS(R) System,  the Master  Servicer,  at its own
expense and without any right of reimbursement,  shall cause MERS to execute and
deliver an  assignment  of the  Mortgage  in  recordable  form to  transfer  the
Mortgage from MERS to such  Subservicer  or Seller and shall cause such Mortgage
to be removed from  registration  on the MERS(R) System in accordance with MERS'
rules and  regulations.  It is understood  and agreed that the obligation of the
Seller  or the  Subservicer,  as the case  may be,  to so cure or  purchase  any
Mortgage  Loan as to which a material  and  adverse  defect in or  omission of a
constituent  document  exists shall  constitute the sole remedy  respecting such
defect or omission available to  Certificateholders  or the Trustee on behalf of
the Certificateholders.

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

(a) The Master  Servicer  hereby  represents and warrants to the Trustee for the
benefit of the Certificateholders that:

(i)     The Master Servicer is a corporation  duly organized,  validly  existing
        and in good standing under the laws governing its creation and existence
        and is or will be in compliance with the laws of each state in which any
        Mortgaged  Property  is located to the  extent  necessary  to ensure the
        enforceability  of each Mortgage  Loan in  accordance  with the terms of
        this Agreement;

(ii)    The execution and delivery of this Agreement by the Master  Servicer and
        its performance and compliance with the terms of this Agreement will not
        violate the Master Servicer's  Certificate of Incorporation or Bylaws or
        constitute a material  default (or an event which,  with notice or lapse
        of time, or both, would constitute a material  default) under, or result
        in the  material  breach of, any material  contract,  agreement or other
        instrument  to which  the  Master  Servicer  is a party or which  may be
        applicable to the Master Servicer or any of its assets;

(iii)   This Agreement,  assuming due  authorization,  execution and delivery by
        the  Trustee and the  Company,  constitutes  a valid,  legal and binding
        obligation of the Master Servicer,  enforceable against it in accordance
        with the terms  hereof  subject to  applicable  bankruptcy,  insolvency,
        reorganization,  moratorium and other laws affecting the  enforcement of
        creditors'  rights  generally  and  to  general  principles  of  equity,
        regardless of whether such  enforcement is considered in a proceeding in
        equity or at law;

(iv)    The  Master  Servicer  is not in  default  with  respect to any order or
        decree of any court or any order,  regulation  or demand of any federal,
        state,  municipal  or  governmental  agency,  which  default  might have
        consequences  that would  materially and adversely  affect the condition
        (financial  or  other)  or  operations  of the  Master  Servicer  or its
        properties or might have  consequences  that would materially  adversely
        affect its performance hereunder;

                                       38
<PAGE>

(v)     No  litigation  is  pending  or,  to the best of the  Master  Servicer's
        knowledge,  threatened  against the Master Servicer which would prohibit
        its entering into this  Agreement or performing  its  obligations  under
        this Agreement;

(vi)    The  Master  Servicer  will  comply  in  all  material  respects  in the
        performance of this Agreement with all reasonable rules and requirements
        of each insurer under each Required Insurance Policy;

(vii)   No  information,  certificate  of an  officer,  statement  furnished  in
        writing or report delivered to the Company, any Affiliate of the Company
        or the Trustee by the Master  Servicer  will,  to the  knowledge  of the
        Master Servicer, contain any untrue statement of a material fact or omit
        a  material  fact  necessary  to  make  the  information,   certificate,
        statement or report not misleading;

(viii)  The Master  Servicer has examined each  existing,  and will examine each
        new,  Subservicing  Agreement  and is or will be familiar with the terms
        thereof.  The terms of each  existing  Subservicing  Agreement  and each
        designated Subservicer are acceptable to the Master Servicer and any new
        Subservicing Agreements will comply with the provisions of Section 3.02;
        and

(ix)    The  Master  Servicer  is a member  of MERS in good  standing,  and will
        comply in all material respects with the rules and procedures of MERS in
        connection  with the servicing of the Mortgage Loans that are registered
        with MERS.

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

        Upon discovery by either the Company,  the Master Servicer,  the Trustee
or any Custodian of a breach of any representation or warranty set forth in this
Section  2.03(a) which  materially  and  adversely  affects the interests of the
Certificateholders in any Mortgage Loan, the party discovering such breach shall
give  prompt  written  notice  to the  other  parties  (any  Custodian  being so
obligated under a Custodial  Agreement).  Within 90 days of its discovery or its
receipt of notice of such breach, the Master Servicer shall either (i) cure such
breach in all  material  respects or (ii) to the extent that such breach is with
respect to a Mortgage  Loan or a related  document,  purchase such Mortgage Loan
from the Trust Fund at the Purchase Price and in the manner set forth in Section
2.02;  provided  that if the omission or defect would cause the Mortgage Loan to
be other than a  "qualified  mortgage" as defined in Section  860G(a)(3)  of the
Code,  any such cure or repurchase  must occur within 90 days from the date such
breach was discovered. The obligation of the Master Servicer to cure such breach
or to so purchase such Mortgage Loan shall constitute the sole remedy in respect
of a breach of a  representation  and warranty set forth in this Section 2.03(a)
available   to  the   Certificateholders   or  the  Trustee  on  behalf  of  the
Certificateholders.

(b)  Representations and warranties relating to the Mortgage Loans are set forth
in Section 2.03(b) of the Series Supplement.

                                       39
<PAGE>

Section 2.04.  Representations and Warranties of Sellers.

        The Company,  as assignee of  Residential  Funding under the  Assignment
Agreement,  hereby assigns to the Trustee for the benefit of  Certificateholders
all of its right, title and interest in respect of the Assignment  Agreement and
each Seller's Agreement applicable to a Mortgage Loan. Insofar as the Assignment
Agreement or the Company's  rights under such Seller's  Agreement  relate to the
representations and warranties made by Residential Funding or the related Seller
in respect of such Mortgage Loan and any remedies  provided  thereunder  for any
breach of such  representations  and warranties,  such right, title and interest
may be  enforced  by the  Master  Servicer  on  behalf  of the  Trustee  and the
Certificateholders.  Upon the discovery by the Company, the Master Servicer, the
Trustee  or  any  Custodian  of a  breach  of any  of  the  representations  and
warranties  made in a Seller's  Agreement that have been assigned to the Trustee
pursuant to this Section 2.04 or of a breach of any of the  representations  and
warranties made in the Assignment Agreement (which, for purposes hereof, will be
deemed to include any other cause giving rise to a repurchase  obligation  under
the Assignment  Agreement) in respect of any Mortgage Loan which  materially and
adversely affects the interests of the Certificateholders in such Mortgage Loan,
the party  discovering such breach shall give prompt written notice to the other
parties (any  Custodian  being so obligated  under a Custodial  Agreement).  The
Master Servicer shall promptly notify the related Seller or Residential Funding,
as the case may be, of such breach and request  that such Seller or  Residential
Funding,  as the case  may be,  either  (i) cure  such  breach  in all  material
respects  within 90 days from the date the Master  Servicer was notified of such
breach or (ii)  purchase  such Mortgage Loan from the Trust Fund at the Purchase
Price and in the manner set forth in Section 2.02;  provided that in the case of
a breach  under the  Assignment  Agreement  Residential  Funding  shall have the
option to  substitute  a Qualified  Substitute  Mortgage  Loan or Loans for such
Mortgage Loan if such substitution occurs within two years following the Closing
Date; provided that if the breach would cause the Mortgage Loan to be other than
a "qualified  mortgage" as defined in Section  860G(a)(3) of the Code,  any such
cure,  repurchase  or  substitution  must occur within 90 days from the date the
breach  was  discovered.  In  the  event  that  Residential  Funding  elects  to
substitute a Qualified  Substitute Mortgage Loan or Loans for a Deleted Mortgage
Loan  pursuant to this Section  2.04,  Residential  Funding shall deliver to the
Trustee for the benefit of the Certificateholders with respect to such Qualified
Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage,  an
Assignment of the Mortgage in recordable  form, if required  pursuant to Section
2.01,  and such other  documents and agreements as are required by Section 2.01,
with the Mortgage Note  endorsed as required by Section  2.01.  No  substitution
will be made in any calendar month after the Determination  Date for such month.
Monthly Payments due with respect to Qualified  Substitute Mortgage Loans in the
month of  substitution  shall not be part of the Trust Fund and will be retained
by the Master  Servicer  and  remitted  by the Master  Servicer  to  Residential
Funding on the next succeeding Distribution Date. For the month of substitution,
distributions to the Certificateholders  will include the Monthly Payment due on
a Deleted Mortgage Loan for such month and thereafter  Residential Funding shall
be entitled to retain all amounts  received in respect of such Deleted  Mortgage
Loan.  The Master  Servicer shall amend or cause to be amended the Mortgage Loan
Schedule,  and, if the Deleted  Mortgage Loan was a Discount  Mortgage Loan, the
Schedule of Discount  Fractions,  for the benefit of the  Certificateholders  to
reflect the removal of such Deleted  Mortgage Loan and the  substitution  of the
Qualified  Substitute  Mortgage  Loan or Loans  and the  Master  Servicer  shall
deliver the amended  Mortgage Loan Schedule,  and, if the Deleted  Mortgage Loan
was a Discount Mortgage Loan, the amended Schedule of Discount Fractions, to the
Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans
shall be subject to the terms of this  Agreement  and the  related  Subservicing

                                       40
<PAGE>

Agreement in all respects,  the related  Seller shall be deemed to have made the
representations and warranties with respect to the Qualified Substitute Mortgage
Loan contained in the related Seller's Agreement as of the date of substitution,
insofar as Residential  Funding's rights in respect of such  representations and
warranties are assigned to the Company pursuant to the Assignment Agreement, and
the Company and the Master Servicer shall be deemed to have made with respect to
any Qualified Substitute Mortgage Loan or Loans, as of the date of substitution,
the covenants, representations and warranties set forth in this Section 2.04, in
Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master
Servicer  shall be obligated  to  repurchase  or  substitute  for any  Qualified
Substitute  Mortgage  Loan as to which a  Repurchase  Event (as  defined  in the
Assignment  Agreement)  has  occurred  pursuant  to Section 4 of the  Assignment
Agreement.

        In connection with the substitution of one or more Qualified  Substitute
Mortgage Loans for one or more Deleted  Mortgage Loans, the Master Servicer will
determine  the amount (if any) by which the aggregate  principal  balance of all
such Qualified  Substitute Mortgage Loans as of the date of substitution is less
than the aggregate Stated  Principal  Balance of all such Deleted Mortgage Loans
(in each case after application of the principal portion of the Monthly Payments
due  in  the  month  of   substitution   that  are  to  be  distributed  to  the
Certificateholders  in the month of  substitution).  Residential  Funding  shall
deposit the amount of such  shortfall  into the Custodial  Account on the day of
substitution, without any reimbursement therefor. Residential Funding shall give
notice  in  writing  to the  Trustee  of  such  event,  which  notice  shall  be
accompanied by an Officers'  Certificate as to the calculation of such shortfall
and  (subject to Section  10.01(f))  by an Opinion of Counsel to the effect that
such  substitution will not cause (a) any federal tax to be imposed on the Trust
Fund,  including  without  limitation,  any federal  tax imposed on  "prohibited
transactions"  under Section  860F(a)(1) of the Code or on "contributions  after
the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any
REMIC  to  fail  to  qualify  as  such  at any  time  that  any  Certificate  is
outstanding.

        It is  understood  and  agreed  that the  obligation  of the  Seller  or
Residential  Funding, as the case may be, to cure such breach or purchase (or in
the case of  Residential  Funding to  substitute  for) such  Mortgage Loan as to
which such a breach has occurred and is  continuing  shall  constitute  the sole
remedy respecting such breach available to the Certificateholders or the Trustee
on behalf of Certificateholders.  If the Master Servicer is Residential Funding,
then the Trustee shall also have the right to give the  notification and require
the purchase or substitution  provided for in the second preceding  paragraph in
the event of such a breach of a  representation  or warranty made by Residential
Funding in the  Assignment  Agreement.  In  connection  with the  purchase of or
substitution  for any such Mortgage  Loan by  Residential  Funding,  the Trustee
shall  assign to  Residential  Funding  all of the  Trustee's  right,  title and
interest  in respect of the  Seller's  Agreement  and the  Assignment  Agreement
applicable to such Mortgage Loan.

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

               As provided in Section 2.05 of the Series Supplement.

                                       41
<PAGE>

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

               As provided in Section 2.06 of the Series Supplement.

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

               As provided in Section 2.07 of the Series Supplement.

Section 2.08.  Purposes and Powers of the Trust.

        The  purpose of the trust,  as  created  hereunder,  is to engage in the
following activities:

(a) to sell the Certificates to the Company in exchange for the Mortgage Loans;

(b)     to enter into and perform its obligations under this Agreement;

(c) to engage in those activities that are necessary,  suitable or convenient to
accomplish the foregoing or are incidental thereto or connected therewith; and

(d)  subject  to  compliance  with  this  Agreement,  to  engage  in such  other
activities as may be required in connection with  conservation of the Trust Fund
and the making of distributions to the Certificateholders.

               The  trust  is  hereby  authorized  to  engage  in the  foregoing
activities. Notwithstanding the provisions of Section 11.01, the trust shall not
engage in any activity other than in connection with the foregoing or other than
as required or authorized by the terms of this Agreement  while any  Certificate
is outstanding, and this Section 2.08 may not be amended, without the consent of
the  Certificateholders  evidencing a majority of the aggregate Voting Rights of
the Certificates.

                                       42
<PAGE>

                                  ARTICLE III

                          ADMINISTRATION AND SERVICING

                                OF MORTGAGE LOANS

Section 3.01.  Master Servicer to Act as Servicer.

(a) The Master  Servicer  shall  service and  administer  the Mortgage  Loans in
accordance  with the terms of this Agreement and the  respective  Mortgage Loans
and shall have full power and authority, acting alone or through Subservicers as
provided in Section 3.02,  to do any and all things which it may deem  necessary
or desirable in  connection  with such  servicing  and  administration.  Without
limiting the generality of the foregoing, the Master Servicer in its own name or
in the name of a Subservicer  is hereby  authorized and empowered by the Trustee
when the Master  Servicer or the  Subservicer,  as the case may be,  believes it
appropriate  in its best  judgment,  to execute  and  deliver,  on behalf of the
Certificateholders  and the Trustee or any of them,  any and all  instruments of
satisfaction or cancellation,  or of partial or full release or discharge, or of
consent to assumption or modification in connection with a proposed  conveyance,
or of  assignment  of any  Mortgage  and Mortgage  Note in  connection  with the
repurchase  of a Mortgage  Loan and all other  comparable  instruments,  or with
respect to the  modification  or  re-recording  of a Mortgage for the purpose of
correcting the Mortgage,  the subordination of the lien of the Mortgage in favor
of a public utility company or government  agency or unit with powers of eminent
domain,  the  taking  of a  deed  in  lieu  of  foreclosure,  the  commencement,
prosecution  or  completion  of  judicial  or  non-judicial   foreclosure,   the
conveyance of a Mortgaged  Property to the related  Insurer,  the acquisition of
any property  acquired by  foreclosure  or deed in lieu of  foreclosure,  or the
management,  marketing and conveyance of any property acquired by foreclosure or
deed in lieu of foreclosure  with respect to the Mortgage Loans and with respect
to the Mortgaged  Properties.  The Master  Servicer  further is  authorized  and
empowered by the Trustee, on behalf of the  Certificateholders  and the Trustee,
in its own name or in the name of the  Subservicer,  when the Master Servicer or
the  Subservicer,  as the  case  may be,  believes  it  appropriate  in its best
judgment to register  any  Mortgage  Loan on the  MERS(R)  System,  or cause the
removal from the  registration  of any Mortgage Loan on the MERS(R)  System,  to
execute and deliver, on behalf of the Trustee and the  Certificateholders or any
of them, any and all instruments of assignment and other comparable  instruments
with respect to such  assignment  or  re-recording  of a Mortgage in the name of
MERS,  solely as nominee for the Trustee and its  successors  and  assigns.  Any
expenses  incurred in  connection  with the actions  described in the  preceding
sentence  shall be borne by the  Master  Servicer  in  accordance  with  Section
3.16(c), with no right of reimbursement;  provided, that if, as a result of MERS
discontinuing  or becoming unable to continue  operations in connection with the
MERS System,  it becomes necessary to remove any Mortgage Loan from registration
on the MERS System and to arrange for the assignment of the related Mortgages to
the  Trustee,  then any related  expenses  shall be  reimbursable  to the Master
Servicer.  Notwithstanding the foregoing, subject to Section 3.07(a), the Master
Servicer  shall not permit any  modification  with respect to any Mortgage  Loan
that would both  constitute a sale or exchange of such  Mortgage Loan within the
meaning  of  Section  1001 of the  Code  and any  proposed,  temporary  or final
regulations  promulgated  thereunder  (other than in connection  with a proposed
conveyance  or  assumption  of such Mortgage Loan that is treated as a Principal
Prepayment  in Full  pursuant  to Section  3.13(d)  hereof)  and cause any REMIC
formed under the Series Supplement to fail to qualify as a REMIC under the Code.
The Trustee  shall  furnish the Master  Servicer with any powers of attorney and
other  documents  necessary  or  appropriate  to enable the Master  Servicer  to

                                       43
<PAGE>

service and administer the Mortgage  Loans.  The Trustee shall not be liable for
any action  taken by the Master  Servicer  or any  Subservicer  pursuant to such
powers of attorney.  In servicing and administering any Nonsubserviced  Mortgage
Loan,  the Master  Servicer  shall,  to the extent  not  inconsistent  with this
Agreement,  comply with the Program  Guide as if it were the  originator of such
Mortgage Loan and had retained the servicing  rights and  obligations in respect
thereof.  In connection with servicing and administering the Mortgage Loans, the
Master  Servicer  and any  Affiliate  of the  Master  Servicer  (i) may  perform
services such as  appraisals  and  brokerage  services that are not  customarily
provided by servicers  of mortgage  loans,  and shall be entitled to  reasonable
compensation  therefor in accordance  with Section 3.10 and (ii) may, at its own
discretion and on behalf of the Trustee,  obtain credit  information in the form
of a "credit score" from a credit repository.

(b) All costs incurred by the Master  Servicer or by  Subservicers  in effecting
the timely payment of taxes and  assessments  on the  properties  subject to the
Mortgage Loans shall not, for the purpose of calculating  monthly  distributions
to the  Certificateholders,  be added to the  amount  owing  under  the  related
Mortgage Loans,  notwithstanding that the terms of such Mortgage Loan so permit,
and  such  costs  shall  be  recoverable  to the  extent  permitted  by  Section
3.10(a)(ii).

(c) The Master Servicer may enter into one or more agreements in connection with
the offering of pass-through certificates evidencing interests in one or more of
the  Certificates  providing  for the payment by the Master  Servicer of amounts
received by the Master Servicer as servicing compensation hereunder and required
to cover certain  Prepayment  Interest  Shortfalls on the Mortgage Loans,  which
payment  obligation  will  thereafter be an  obligation  of the Master  Servicer
hereunder.

Section 3.02.  Subservicing Agreements Between Master Servicer and Subservicers;
     Enforcement of Subservicers' and Sellers' Obligations.

(a) The Master Servicer may continue in effect  Subservicing  Agreements entered
into by Residential Funding and Subservicers prior to the execution and delivery
of  this  Agreement,  and  may  enter  into  new  Subservicing  Agreements  with
Subservicers,  for  the  servicing  and  administration  of all or  some  of the
Mortgage Loans. Each Subservicer of a Mortgage Loan shall be entitled to receive
and retain,  as provided in the related  Subservicing  Agreement  and in Section
3.07, the related  Subservicing  Fee from payments of interest  received on such
Mortgage Loan after payment of all amounts required to be remitted to the Master
Servicer  in respect of such  Mortgage  Loan.  For any  Mortgage  Loan that is a
Nonsubserviced  Mortgage Loan, the Master  Servicer shall be entitled to receive
and retain an amount equal to the  Subservicing  Fee from  payments of interest.
Unless the context otherwise  requires,  references in this Agreement to actions
taken or to be taken by the Master  Servicer in  servicing  the  Mortgage  Loans
include  actions taken or to be taken by a  Subservicer  on behalf of the Master
Servicer.  Each Subservicing Agreement will be upon such terms and conditions as
are  generally   required  or  permitted  by  the  Program  Guide  and  are  not
inconsistent  with this Agreement and as the Master Servicer and the Subservicer
have agreed. A representative form of Subservicing Agreement is attached to this

                                       44
<PAGE>

Agreement as Exhibit E. With the approval of the Master Servicer,  a Subservicer
may  delegate its  servicing  obligations  to  third-party  servicers,  but such
Subservicer will remain obligated under the related Subservicing Agreement.  The
Master  Servicer  and a  Subservicer  may enter  into  amendments  thereto  or a
different form of Subservicing  Agreement,  and the form referred to or included
in the Program Guide is merely  provided for information and shall not be deemed
to limit in any respect the discretion of the Master Servicer to modify or enter
into  different  Subservicing  Agreements;  provided,  however,  that  any  such
amendments  or  different  forms  shall be  consistent  with and not violate the
provisions of either this Agreement or the Program Guide in a manner which would
materially and adversely affect the interests of the Certificateholders.

(b) As part of its servicing activities hereunder,  the Master Servicer, for the
benefit of the Trustee and the Certificateholders, shall use its best reasonable
efforts  to  enforce  the  obligations  of each  Subservicer  under the  related
Subservicing  Agreement and of each Seller under the related Seller's  Agreement
insofar as the  Company's  rights with respect to Seller's  obligation  has been
assigned to the Trustee hereunder, to the extent that the non-performance of any
such Seller's  obligation would have a material and adverse effect on a Mortgage
Loan, including,  without limitation, the obligation to purchase a Mortgage Loan
on account of  defective  documentation,  as described  in Section  2.02,  or on
account of a breach of a  representation  or  warranty,  as described in Section
2.04. Such enforcement,  including, without limitation, the legal prosecution of
claims,  termination  of  Subservicing  Agreements  or Seller's  Agreements,  as
appropriate,  and the pursuit of other  appropriate  remedies,  shall be in such
form and carried  out to such an extent and at such time as the Master  Servicer
would employ in its good faith business  judgment and which are normal and usual
in its general mortgage servicing activities.  The Master Servicer shall pay the
costs of such enforcement at its own expense,  and shall be reimbursed  therefor
only (i) from a general recovery  resulting from such enforcement to the extent,
if any,  that such  recovery  exceeds  all amounts due in respect of the related
Mortgage Loan or (ii) from a specific  recovery of costs,  expenses or attorneys
fees against the party against whom such  enforcement is directed.  For purposes
of clarification  only, the parties agree that the foregoing is not intended to,
and does not,  limit the  ability of the Master  Servicer to be  reimbursed  for
expenses  that are incurred in  connection  with the  enforcement  of a Seller's
obligations  (insofar  as the  Company's  rights with  respect to such  Seller's
obligations  have been assigned to the Trustee  hereunder) and are  reimbursable
pursuant to Section 3.10(a)(viii).

Section 3.03.  Successor Subservicers.

        The Master  Servicer  shall be entitled to  terminate  any  Subservicing
Agreement  that may exist in  accordance  with the terms and  conditions of such
Subservicing  Agreement and without any limitation by virtue of this  Agreement;
provided,  however,  that  in the  event  of  termination  of  any  Subservicing
Agreement by the Master Servicer or the  Subservicer,  the Master Servicer shall
either act as servicer of the related Mortgage Loan or enter into a Subservicing
Agreement with a successor  Subservicer  which will be bound by the terms of the
related  Subservicing  Agreement.  If the Master  Servicer or any  Affiliate  of
Residential  Funding  acts as  servicer,  it will not assume  liability  for the
representations  and  warranties of the  Subservicer  which it replaces.  If the
Master  Servicer   enters  into  a  Subservicing   Agreement  with  a  successor
Subservicer,  the  Master  Servicer  shall use  reasonable  efforts  to have the
successor  Subservicer assume liability for the  representations  and warranties
made by the terminated Subservicer in respect of the related Mortgage Loans and,

                                       45
<PAGE>

in the event of any such  assumption  by the successor  Subservicer,  the Master
Servicer may, in the exercise of its business  judgment,  release the terminated
Subservicer from liability for such representations and warranties.

Section 3.04.  Liability of the Master Servicer.
               --------------------------------

        Notwithstanding  any  Subservicing  Agreement,  any of the provisions of
this  Agreement  relating  to  agreements  or  arrangements  between  the Master
Servicer or a Subservicer or reference to actions taken through a Subservicer or
otherwise,  the Master Servicer shall remain obligated and liable to the Trustee
and the  Certificateholders  for the servicing and administering of the Mortgage
Loans in accordance  with the  provisions of Section 3.01 without  diminution of
such  obligation  or  liability  by virtue of such  Subservicing  Agreements  or
arrangements or by virtue of indemnification from the Subservicer or the Company
and to the same extent and under the same terms and  conditions as if the Master
Servicer alone were servicing and  administering  the Mortgage Loans. The Master
Servicer  shall be entitled to enter into any agreement  with a  Subservicer  or
Seller for  indemnification of the Master Servicer and nothing contained in this
Agreement shall be deemed to limit or modify such indemnification.

Section 3.05.  No Contractual Relationship Between Subservicer and
                      Trustee or Certificateholders.
                      -----------------------------

        Any  Subservicing  Agreement  that may be  entered  into  and any  other
transactions or services  relating to the Mortgage Loans involving a Subservicer
in its capacity as such and not as an  originator  shall be deemed to be between
the  Subservicer  and  the  Master  Servicer  alone  and  the  Trustee  and  the
Certificateholders shall not be deemed parties thereto and shall have no claims,
rights,  obligations,  duties or liabilities  with respect to the Subservicer in
its  capacity  as such  except  as set  forth in  Section  3.06.  The  foregoing
provision  shall  not in any way  limit a  Subservicer's  obligation  to cure an
omission or defect or to  repurchase  a Mortgage  Loan as referred to in Section
2.02 hereof.

Section 3.06.  Assumption or Termination of Subservicing Agreements by Trustee.
               ---------------------------------------------------------------

(a) If the Master Servicer shall for any reason no longer be the master servicer
(including by reason of an Event of Default),  the Trustee,  its designee or its
successor shall thereupon assume all of the rights and obligations of the Master
Servicer under each Subservicing  Agreement that may have been entered into. The
Trustee,  its designee or the successor servicer for the Trustee shall be deemed
to have  assumed  all of the  Master  Servicer's  interest  therein  and to have
replaced  the Master  Servicer as a party to the  Subservicing  Agreement to the
same extent as if the  Subservicing  Agreement had been assigned to the assuming
party  except  that the Master  Servicer  shall not  thereby be  relieved of any
liability or obligations under the Subservicing Agreement.

(b) The Master Servicer shall, upon request of the Trustee but at the expense of
the Master  Servicer,  deliver to the assuming  party all  documents and records
relating  to each  Subservicing  Agreement  and the  Mortgage  Loans  then being
serviced and an accounting of amounts collected and held by it and otherwise use
its  best  efforts  to  effect  the  orderly  and  efficient  transfer  of  each
Subservicing Agreement to the assuming party.

                                       46
<PAGE>

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

(a) The Master  Servicer shall make  reasonable  efforts to collect all payments
called for under the terms and provisions of the Mortgage  Loans,  and shall, to
the extent such procedures shall be consistent with this Agreement and the terms
and provisions of any related Primary Insurance  Policy,  follow such collection
procedures as it would employ in its good faith business  judgment and which are
normal and usual in its general mortgage servicing  activities.  Consistent with
the  foregoing,  the Master  Servicer may in its  discretion  (i) waive any late
payment charge or any prepayment  charge or penalty  interest in connection with
the  prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due
on a Mortgage Loan in accordance with the Program Guide; provided, however, that
the Master Servicer shall first determine that any such waiver or extension will
not impair the coverage of any related  Primary  Insurance  Policy or materially
adversely  affect  the lien of the  related  Mortgage.  In the event of any such
arrangement,  the Master  Servicer  shall make  timely  advances  on the related
Mortgage Loan during the scheduled  period in accordance  with the  amortization
schedule of such  Mortgage Loan without  modification  thereof by reason of such
arrangements  unless  otherwise  agreed  to by the  Holders  of the  Classes  of
Certificates affected thereby;  provided,  however, that no such extension shall
be made if any such advance would be a Nonrecoverable  Advance.  Consistent with
the terms of this Agreement,  the Master Servicer may also waive, modify or vary
any  term  of any  Mortgage  Loan  or  consent  to the  postponement  of  strict
compliance with any such term or in any manner grant indulgence to any Mortgagor
if  in  the  Master   Servicer's   determination   such  waiver,   modification,
postponement  or  indulgence is not  materially  adverse to the interests of the
Certificateholders  (taking into account any estimated  Realized Loss that might
result absent such action); provided,  however, that the Master Servicer may not
modify  materially  or permit  any  Subservicer  to modify  any  Mortgage  Loan,
including  without  limitation any  modification  that would change the Mortgage
Rate,  forgive the payment of any  principal or interest  (unless in  connection
with the  liquidation of the related  Mortgage Loan or except in connection with
prepayments to the extent that such  reamortization is not inconsistent with the
terms of the Mortgage  Loan), or extend the final maturity date of such Mortgage
Loan,  unless such Mortgage Loan is in default or, in the judgment of the Master
Servicer, such default is reasonably foreseeable; and provided, further, that no
such  modification  shall reduce the interest  rate on a Mortgage Loan below the
sum of the Pool Strip Rate and the sum of the rates at which the  Servicing  Fee
and the  Subservicing  Fee  with  respect  to such  Mortgage  Loan  accrues.  In
connection with any Curtailment of a Mortgage Loan, the Master Servicer,  to the
extent not  inconsistent  with the terms of the Mortgage  Note and local law and
practice,  may permit the Mortgage Loan to be reamortized  such that the Monthly
Payment is  recalculated  as an amount that will fully  amortize  the  remaining
Stated  Principal  Balance  thereof by the original  Maturity  Date based on the
original  Mortgage  Rate;  provided,  that  such  re-amortization  shall  not be
permitted if it would  constitute a reissuance  of the Mortgage Loan for federal
income  tax  purposes,  except  if such  reissuance  is  described  in  Treasury
Regulation Section 1.860G-2(b)(3).

(b) The Master  Servicer  shall  establish  and maintain a Custodial  Account in
which the Master  Servicer  shall  deposit or cause to be  deposited  on a daily
basis, except as otherwise  specifically provided herein, the following payments
and  collections  remitted by  Subservicers  or received by it in respect of the
Mortgage  Loans  subsequent  to the  Cut-off  Date  (other  than in  respect  of
principal and interest on the Mortgage Loans due on or before the Cut-off Date):

                                       47
<PAGE>

(i)     All payments on account of principal,  including  Principal  Prepayments
        made by Mortgagors on the Mortgage Loans and the principal  component of
        any  Subservicer  Advance or of any REO Proceeds  received in connection
        with an REO Property for which an REO Disposition has occurred;

(ii)    All payments on account of interest at the Adjusted Mortgage Rate on the
        Mortgage  Loans,  including  Buydown  Funds,  if any,  and the  interest
        component of any Subservicer  Advance or of any REO Proceeds received in
        connection  with  an REO  Property  for  which  an REO  Disposition  has
        occurred;

(iii)Insurance Proceeds,  Subsequent Recoveries and Liquidation Proceeds (net of
     any related expenses of the Subservicer);

(iv)    All proceeds of any Mortgage Loans  purchased  pursuant to Section 2.02,
        2.03,  2.04  or  4.07  and  all  amounts  required  to be  deposited  in
        connection with the substitution of a Qualified Substitute Mortgage Loan
        pursuant to Section 2.03 or 2.04;

(v)  Any amounts required to be deposited pursuant to Section 3.07(c) or 3.21;

(vi) All  amounts  transferred  from the  Certificate  Account to the  Custodial
     Account in accordance with Section 4.02(a);

(vii)Any  amounts  realized  by the  Subservicer  and  received  by  the  Master
     Servicer in respect of any Additional Collateral; and

(viii) Any amounts received by the Master Servicer in respect of Pledged Assets.

The  foregoing  requirements  for  deposit  in the  Custodial  Account  shall be
exclusive,  it being understood and agreed that, without limiting the generality
of the foregoing, payments on the Mortgage Loans which are not part of the Trust
Fund  (consisting  of  payments  in respect of  principal  and  interest  on the
Mortgage Loans due on or before the Cut-off Date) and payments or collections in
the nature of prepayment  charges or late payment charges or assumption fees may
but need not be deposited by the Master  Servicer in the Custodial  Account.  In
the event any amount not required to be deposited in the Custodial Account is so
deposited,  the Master  Servicer may at any time  withdraw  such amount from the
Custodial  Account,  any provision herein to the contrary  notwithstanding.  The
Custodial  Account  may  contain  funds that  belong to one or more trust  funds
created for mortgage  pass-through  certificates of other series and may contain
other  funds  respecting  payments  on mortgage  loans  belonging  to the Master
Servicer  or   serviced   or  master   serviced  by  it  on  behalf  of  others.
Notwithstanding  such  commingling  of funds,  the  Master  Servicer  shall keep
records that  accurately  reflect the funds on deposit in the Custodial  Account
that have been identified by it as being attributable to the Mortgage Loans.

        With respect to Insurance Proceeds,  Liquidation Proceeds,  REO Proceeds
and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02,
2.03,  2.04 and 4.07  received in any calendar  month,  the Master  Servicer may
elect to treat such amounts as included in the Available Distribution Amount for
the Distribution Date in the month of receipt, but is not obligated to do so. If
the Master Servicer so elects, such amounts will be deemed to have been received
(and any related Realized Loss shall be deemed to have occurred) on the last day
of the month prior to the receipt thereof.

                                       48
<PAGE>

(c) The Master  Servicer  shall use its best  efforts  to cause the  institution
maintaining the Custodial  Account to invest the funds in the Custodial  Account
attributable to the Mortgage Loans in Permitted  Investments  which shall mature
not later than the  Certificate  Account Deposit Date next following the date of
such investment (with the exception of the Amount Held for Future  Distribution)
and which shall not be sold or disposed of prior to their maturities. All income
and gain  realized  from any such  investment  shall be for the  benefit  of the
Master Servicer as additional servicing compensation and shall be subject to its
withdrawal  or order from time to time.  The amount of any  losses  incurred  in
respect of any such  investments  attributable  to the  investment of amounts in
respect of the Mortgage Loans shall be deposited in the Custodial Account by the
Master Servicer out of its own funds  immediately as realized  without any right
of reimbursement.

(d) The Master  Servicer shall give notice to the Trustee and the Company of any
change  in the  location  of the  Custodial  Account  and  the  location  of the
Certificate Account prior to the use thereof.

Section 3.08.  Subservicing Accounts; Servicing Accounts.

(a) In those cases where a Subservicer  is servicing a Mortgage Loan pursuant to
a  Subservicing  Agreement,  the Master  Servicer  shall cause the  Subservicer,
pursuant to the  Subservicing  Agreement,  to establish and maintain one or more
Subservicing  Accounts which shall be an Eligible Account or, if such account is
not an Eligible Account, shall generally satisfy the requirements of the Program
Guide and be otherwise acceptable to the Master Servicer and each Rating Agency.
The  Subservicer  will be  required  thereby  to deposit  into the  Subservicing
Account  on a daily  basis  all  proceeds  of  Mortgage  Loans  received  by the
Subservicer,  less its Subservicing Fees and unreimbursed advances and expenses,
to the extent  permitted  by the  Subservicing  Agreement.  If the  Subservicing
Account is not an Eligible Account,  the Master Servicer shall be deemed to have
received such monies upon receipt  thereof by the  Subservicer.  The Subservicer
shall not be  required  to  deposit  in the  Subservicing  Account  payments  or
collections  in the nature of  prepayment  charges or late charges or assumption
fees.  On or before the date  specified  in the Program  Guide,  but in no event
later  than  the  Determination  Date,  the  Master  Servicer  shall  cause  the
Subservicer,  pursuant  to the  Subservicing  Agreement,  to remit to the Master
Servicer for deposit in the Custodial Account all funds held in the Subservicing
Account with respect to each Mortgage Loan serviced by such Subservicer that are
required to be remitted to the Master  Servicer.  The  Subservicer  will also be
required,  pursuant to the Subservicing  Agreement, to advance on such scheduled
date of  remittance  amounts  equal to any  scheduled  monthly  installments  of
principal  and interest  less its  Subservicing  Fees on any Mortgage  Loans for
which payment was not received by the  Subservicer.  This  obligation to advance
with respect to each  Mortgage  Loan will continue up to and including the first
of the month following the date on which the related Mortgaged  Property is sold
at a  foreclosure  sale  or is  acquired  by the  Trust  Fund by deed in lieu of
foreclosure  or  otherwise.  All such advances  received by the Master  Servicer
shall be deposited promptly by it in the Custodial Account.

                                       49
<PAGE>

(b)  The  Subservicer  may  also  be  required,  pursuant  to  the  Subservicing
Agreement,  to remit to the Master Servicer for deposit in the Custodial Account
interest at the Adjusted  Mortgage  Rate (or Modified Net Mortgage Rate plus the
rate per annum at which the  Servicing  Fee  accrues  in the case of a  Modified
Mortgage Loan) on any Curtailment  received by such  Subservicer in respect of a
Mortgage Loan from the related  Mortgagor during any month that is to be applied
by the  Subservicer  to reduce  the  unpaid  principal  balance  of the  related
Mortgage Loan as of the first day of such month, from the date of application of
such  Curtailment to the first day of the following month. Any amounts paid by a
Subservicer  pursuant to the preceding  sentence shall be for the benefit of the
Master Servicer as additional servicing compensation and shall be subject to its
withdrawal or order from time to time pursuant to Sections 3.10(a)(iv) and (v).

(c) In addition to the Custodial Account and the Certificate Account, the Master
Servicer  shall  for any  Nonsubserviced  Mortgage  Loan,  and  shall  cause the
Subservicers  for Subserviced  Mortgage Loans to,  establish and maintain one or
more Servicing  Accounts and deposit and retain therein all collections from the
Mortgagors   (or  advances  from   Subservicers)   for  the  payment  of  taxes,
assessments,  hazard insurance premiums,  Primary Insurance Policy premiums,  if
applicable,  or  comparable  items  for  the  account  of the  Mortgagors.  Each
Servicing Account shall satisfy the requirements for a Subservicing Account and,
to the extent  permitted by the Program  Guide or as is otherwise  acceptable to
the Master Servicer, may also function as a Subservicing Account. Withdrawals of
amounts  related to the Mortgage  Loans from the Servicing  Accounts may be made
only to effect timely payment of taxes, assessments,  hazard insurance premiums,
Primary  Insurance  Policy  premiums,  if applicable,  or comparable  items,  to
reimburse the Master Servicer or Subservicer out of related  collections for any
payments made  pursuant to Sections 3.11 (with respect to the Primary  Insurance
Policy)  and  3.12(a)  (with  respect  to  hazard  insurance),  to refund to any
Mortgagors  any sums as may be  determined to be overages,  to pay interest,  if
required,  to Mortgagors  on balances in the  Servicing  Account or to clear and
terminate  the  Servicing  Account  at the  termination  of  this  Agreement  in
accordance with Section 9.01 or in accordance with the Program Guide. As part of
its servicing  duties,  the Master Servicer shall,  and the  Subservicers  will,
pursuant to the  Subservicing  Agreements,  be required to pay to the Mortgagors
interest on funds in this account to the extent required by law.

(d) The Master Servicer shall advance the payments  referred to in the preceding
subsection  that  are not  timely  paid by the  Mortgagors  or  advanced  by the
Subservicers  on the date when the tax,  premium  or other  cost for which  such
payment is  intended  is due,  but the Master  Servicer  shall be required so to
advance only to the extent that such advances, in the good faith judgment of the
Master  Servicer,  will be recoverable  by the Master  Servicer out of Insurance
Proceeds, Liquidation Proceeds or otherwise.

Section 3.09.  Access to Certain Documentation and
                      Information Regarding the Mortgage Loans.
                      ----------------------------------------

        If   compliance   with  this  Section  3.09  shall  make  any  Class  of
Certificates  legal  for  investment  by  federally  insured  savings  and  loan
associations,  the Master Servicer shall provide,  or cause the  Subservicers to
provide,  to the Trustee,  the Office of Thrift  Supervision or the FDIC and the
supervisory  agents and examiners thereof access to the documentation  regarding
the Mortgage  Loans  required by applicable  regulations of the Office of Thrift

                                       50
<PAGE>

Supervision,  such access being afforded without charge but only upon reasonable
request and during normal business hours at the offices designated by the Master
Servicer. The Master Servicer shall permit such representatives to photocopy any
such  documentation  and shall  provide  equipment  for that purpose at a charge
reasonably approximating the cost of such photocopying to the Master Servicer.

Section 3.10.  Permitted Withdrawals from the Custodial Account.

(a) The  Master  Servicer  may,  from  time to time  as  provided  herein,  make
withdrawals from the Custodial Account of amounts on deposit therein pursuant to
Section  3.07 that are  attributable  to the  Mortgage  Loans for the  following
purposes:

(i)  to make  deposits  into the  Certificate  Account in the amounts and in the
     manner provided for in Section 4.01;

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

(iii)to pay to itself or the related  Subservicer (if not previously retained by
     such  Subservicer)  out of each payment  received by the Master Servicer on
     account of interest on a Mortgage Loan as contemplated by Sections 3.14 and
     3.16, an amount equal to that  remaining  portion of any such payment as to
     interest (but not in excess of the Servicing Fee and the Subservicing  Fee,
     if not  previously  retained)  which,  when  deducted,  will  result in the
     remaining  amount of such interest  being interest at the Net Mortgage Rate
     (or Modified Net Mortgage Rate in the case of a Modified  Mortgage Loan) on
     the amount specified in the  amortization  schedule of the related Mortgage
     Loan as the  principal  balance  thereof  at the  beginning  of the  period
     respecting which such interest was paid after giving effect to any previous
     Curtailments;

(iv)    to pay to itself as additional  servicing  compensation  any interest or
        investment  income  earned on funds and other  property  deposited in or
        credited  to the  Custodial  Account  that it is  entitled  to  withdraw
        pursuant to Section 3.07(c);

(v)     to pay to itself as additional  servicing  compensation  any Foreclosure
        Profits,  any amounts remitted by Subservicers as interest in respect of
        Curtailments  pursuant to Section  3.08(b),  and any  amounts  paid by a
        Mortgagor in connection  with a Principal  Prepayment in Full in respect
        of  interest  for any  period  during the  calendar  month in which such
        Principal   Prepayment   in   Full   is  to  be   distributed   to   the
        Certificateholders;

                                       51
<PAGE>

(vi)    to pay to itself,  a Subservicer,  a Seller,  Residential  Funding,  the
        Company  or any  other  appropriate  Person,  as the case  may be,  with
        respect to each  Mortgage Loan or property  acquired in respect  thereof
        that has been  purchased  or otherwise  transferred  pursuant to Section
        2.02,  2.03,  2.04, 4.07 or 9.01, all amounts  received  thereon and not
        required to be distributed to the  Certificateholders  as of the date on
        which  the  related  Stated  Principal  Balance  or  Purchase  Price  is
        determined;

(vii)   to reimburse  itself or the related  Subservicer for any  Nonrecoverable
        Advance  or  Advances  in  the  manner  and to the  extent  provided  in
        subsection (c) below, any Advance made in connection with a modification
        of a Mortgage  Loan that is in default or, in the judgment of the Master
        Servicer, default is reasonably foreseeable pursuant to Section 3.07(a),
        to  the  extent  the  amount  of  the  Advance  has  been  added  to the
        outstanding  principal  balance of the  Mortgage  Loan,  or any  Advance
        reimbursable to the Master Servicer pursuant to Section 4.02(a);

(viii)  to  reimburse  itself  or  the  Company  for  expenses  incurred  by and
        reimbursable to it or the Company  pursuant to Sections  3.01(a),  3.11,
        3.13,  3.14(c),  6.03,  10.01  or  otherwise,   or  in  connection  with
        enforcing,   in  accordance   with  this   Agreement,   any  repurchase,
        substitution or indemnification  obligation of any Seller (other than an
        Affiliate of the Company) pursuant to the related Seller's Agreement;

(ix)    to reimburse itself for Servicing  Advances  expended by it (a) pursuant
        to Section  3.14 in good faith in  connection  with the  restoration  of
        property  damaged by an Uninsured  Cause, and (b) in connection with the
        liquidation  of a Mortgage Loan or disposition of an REO Property to the
        extent not otherwise reimbursed pursuant to clause (ii) or (viii) above;
        and

(x)  to withdraw  any amount  deposited  in the  Custodial  Account that was not
     required to be deposited therein pursuant to Section 3.07.

(b) Since, in connection with withdrawals  pursuant to clauses (ii),  (iii), (v)
and (vi), the Master Servicer's entitlement thereto is limited to collections or
other  recoveries on the related  Mortgage Loan, the Master  Servicer shall keep
and maintain separate accounting, on a Mortgage Loan by Mortgage Loan basis, for
the purpose of justifying any withdrawal from the Custodial  Account pursuant to
such clauses.

(c) The Master  Servicer  shall be entitled to  reimburse  itself or the related
Subservicer  for any advance made in respect of a Mortgage  Loan that the Master
Servicer  determines  to be a  Nonrecoverable  Advance  by  withdrawal  from the
Custodial  Account of amounts on deposit  therein  attributable  to the Mortgage
Loans  on any  Certificate  Account  Deposit  Date  succeeding  the date of such
determination.  Such  right of  reimbursement  in  respect  of a  Nonrecoverable
Advance  on any such  Certificate  Account  Deposit  Date shall be limited to an
amount  not   exceeding  the  portion  of  such  advance   previously   paid  to
Certificateholders (and not theretofore reimbursed to the Master Servicer or the
related Subservicer).

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<PAGE>

Section 3.11.  Maintenance of the Primary Insurance
                      Policies; Collections Thereunder.

(a) The Master  Servicer shall not take, or permit any  Subservicer to take, any
action which would result in non-coverage under any applicable Primary Insurance
Policy  of any  loss  which,  but for the  actions  of the  Master  Servicer  or
Subservicer,  would have been  covered  thereunder.  To the extent  coverage  is
available,  the Master Servicer shall keep or cause to be kept in full force and
effect each such Primary  Insurance  Policy until the  principal  balance of the
related Mortgage Loan secured by a Mortgaged  Property is reduced to 80% or less
of  the  Appraised  Value  in  the  case  of  such  a  Mortgage  Loan  having  a
Loan-to-Value  Ratio at origination in excess of 80%, provided that such Primary
Insurance  Policy  was in  place as of the  Cut-off  Date  and the  Company  had
knowledge  of such  Primary  Insurance  Policy.  The  Master  Servicer  shall be
entitled to cancel or permit the discontinuation of any Primary Insurance Policy
as to any Mortgage Loan, if the Stated Principal Balance of the Mortgage Loan is
reduced  below an  amount  equal to 80% of the  appraised  value of the  related
Mortgaged  Property as  determined  in any  appraisal  thereof after the Closing
Date,  or if the  Loan-to-Value  Ratio  is  reduced  below  80% as a  result  of
principal  payments on the Mortgage  Loan after the Closing  Date.  In the event
that the Company  gains  knowledge  that as of the Closing Date, a Mortgage Loan
had a Loan-to-Value Ratio at origination in excess of 80% and is not the subject
of a Primary  Insurance  Policy (and was not  included in any  exception  to the
representation in Section 2.03(b)(iv)) and that such Mortgage Loan has a current
Loan-to-Value  Ratio in excess  of 80% then the  Master  Servicer  shall use its
reasonable  efforts to obtain and  maintain  a Primary  Insurance  Policy to the
extent  that such a policy is  obtainable  at a  reasonable  price.  The  Master
Servicer shall not cancel or refuse to renew any such Primary  Insurance  Policy
applicable to a  Nonsubserviced  Mortgage  Loan,  or consent to any  Subservicer
canceling or refusing to renew any such Primary Insurance Policy applicable to a
Mortgage  Loan  subserviced  by it, that is in effect at the date of the initial
issuance  of the  Certificates  and is  required  to be kept in force  hereunder
unless the replacement Primary Insurance Policy for such canceled or non-renewed
policy is maintained with an insurer whose  claims-paying  ability is acceptable
to each Rating  Agency for mortgage  pass-through  certificates  having a rating
equal to or better  than the  lower of the  then-current  rating  or the  rating
assigned to the Certificates as of the Closing Date by such Rating Agency.

(b) In  connection  with its  activities  as  administrator  and servicer of the
Mortgage  Loans,  the Master  Servicer agrees to present or to cause the related
Subservicer to present,  on behalf of the Master Servicer,  the Subservicer,  if
any, the Trustee and Certificateholders, claims to the related Insurer under any
Primary Insurance Policies, in a timely manner in accordance with such policies,
and,  in this  regard,  to take or cause to be taken such  reasonable  action as
shall be  necessary  to permit  recovery  under any Primary  Insurance  Policies
respecting  defaulted  Mortgage  Loans.  Pursuant to Section 3.07, any Insurance
Proceeds  collected  by or  remitted  to the Master  Servicer  under any Primary
Insurance  Policies  shall be deposited  in the  Custodial  Account,  subject to
withdrawal pursuant to Section 3.10.

Section 3.12.  Maintenance of Fire Insurance and
                      Omissions and Fidelity Coverage.

(a) The Master  Servicer  shall cause to be  maintained  for each  Mortgage Loan
(other than a Cooperative  Loan) fire  insurance  with  extended  coverage in an
amount  which is equal to the  lesser  of the  principal  balance  owing on such
Mortgage  Loan  or 100  percent  of the  insurable  value  of the  improvements;

                                       53
<PAGE>

provided,  however,  that such coverage may not be less than the minimum  amount
required to fully compensate for any loss or damage on a replacement cost basis.
To the extent it may do so without breaching the related Subservicing Agreement,
the Master  Servicer  shall  replace  any  Subservicer  that does not cause such
insurance, to the extent it is available, to be maintained.  The Master Servicer
shall also cause to be maintained on property acquired upon foreclosure, or deed
in lieu of  foreclosure,  of any Mortgage Loan (other than a Cooperative  Loan),
fire  insurance  with extended  coverage in an amount which is at least equal to
the  amount  necessary  to avoid  the  application  of any  co-insurance  clause
contained in the related hazard insurance policy.  Pursuant to Section 3.07, any
amounts  collected by the Master  Servicer  under any such policies  (other than
amounts to be  applied to the  restoration  or repair of the  related  Mortgaged
Property  or property  thus  acquired or amounts  released to the  Mortgagor  in
accordance with the Master  Servicer's  normal  servicing  procedures)  shall be
deposited in the Custodial  Account,  subject to withdrawal  pursuant to Section
3.10. Any cost incurred by the Master Servicer in maintaining any such insurance
shall  not,  for  the  purpose  of  calculating  monthly  distributions  to  the
Certificateholders,  be added to the  amount  owing  under  the  Mortgage  Loan,
notwithstanding  that the terms of the Mortgage Loan so permit. Such costs shall
be  recoverable  by the Master  Servicer  out of related  late  payments  by the
Mortgagor or out of Insurance  Proceeds and  Liquidation  Proceeds to the extent
permitted by Section  3.10.  It is  understood  and agreed that no earthquake or
other  additional  insurance is to be required of any Mortgagor or maintained on
property  acquired  in respect of a Mortgage  Loan other than  pursuant  to such
applicable  laws and  regulations  as shall at any time be in force and as shall
require such additional insurance. Whenever the improvements securing a Mortgage
Loan (other than a Cooperative  Loan) are located at the time of  origination of
such Mortgage  Loan in a federally  designated  special  flood hazard area,  the
Master  Servicer  shall cause flood  insurance  (to the extent  available) to be
maintained in respect thereof.  Such flood insurance shall be in an amount equal
to the lesser of (i) the amount required to compensate for any loss or damage to
the Mortgaged  Property on a replacement  cost basis and (ii) the maximum amount
of such  insurance  available  for the  related  Mortgaged  Property  under  the
national flood insurance program (assuming that the area in which such Mortgaged
Property is located is participating in such program).

        If the  Master  Servicer  shall  obtain  and  maintain  a  blanket  fire
insurance policy with extended coverage insuring against hazard losses on all of
the  Mortgage  Loans,  it shall  conclusively  be deemed to have  satisfied  its
obligations as set forth in the first sentence of this Section 3.12(a), it being
understood and agreed that such policy may contain a deductible clause, in which
case the Master  Servicer  shall,  in the event  that there  shall not have been
maintained on the related  Mortgaged  Property a policy complying with the first
sentence  of this  Section  3.12(a) and there shall have been a loss which would
have been covered by such policy,  deposit in the Certificate Account the amount
not  otherwise  payable  under the  blanket  policy  because of such  deductible
clause. Any such deposit by the Master Servicer shall be made on the Certificate
Account  Deposit Date next preceding the  Distribution  Date which occurs in the
month  following  the month in which  payments  under any such policy would have
been deposited in the Custodial  Account.  In connection  with its activities as
administrator  and servicer of the Mortgage Loans, the Master Servicer agrees to
present,  on behalf of itself,  the Trustee and the  Certificateholders,  claims
under any such blanket policy.

                                       54
<PAGE>

(b) The Master Servicer shall obtain and maintain at its own expense and keep in
full force and effect  throughout the term of this Agreement a blanket  fidelity
bond and an errors and omissions insurance policy covering the Master Servicer's
officers and employees and other persons acting on behalf of the Master Servicer
in connection with its activities  under this Agreement.  The amount of coverage
shall be at least equal to the coverage  that would be required by Fannie Mae or
Freddie Mac,  whichever is greater,  with respect to the Master  Servicer if the
Master Servicer were servicing and  administering  the Mortgage Loans for Fannie
Mae or Freddie  Mac.  In the event that any such bond or policy  ceases to be in
effect, the Master Servicer shall obtain a comparable replacement bond or policy
from an issuer or insurer, as the case may be, meeting the requirements, if any,
of the  Program  Guide and  acceptable  to the  Company.  Coverage of the Master
Servicer under a policy or bond obtained by an Affiliate of the Master  Servicer
and  providing the coverage  required by this Section  3.12(b) shall satisfy the
requirements of this Section 3.12(b).

Section 3.13.  Enforcement of Due-on-Sale Clauses; Assumption and
                      Modification Agreements; Certain Assignments.
                      ---------------------------------------------

(a) When any  Mortgaged  Property  is  conveyed  by the  Mortgagor,  the  Master
Servicer or  Subservicer,  to the extent it has  knowledge  of such  conveyance,
shall enforce any due-on-sale clause contained in any Mortgage Note or Mortgage,
to the extent permitted under applicable law and governmental  regulations,  but
only to the extent that such enforcement will not adversely affect or jeopardize
coverage under any Required Insurance Policy. Notwithstanding the foregoing:

(i)     the  Master  Servicer  shall not be deemed to be in  default  under this
        Section 3.13(a) by reason of any transfer or assumption which the Master
        Servicer is restricted by law from preventing; and

(ii)    if the Master Servicer  determines that it is reasonably likely that any
        Mortgagor will bring,  or if any Mortgagor  does bring,  legal action to
        declare invalid or otherwise avoid  enforcement of a due-on-sale  clause
        contained in any Mortgage Note or Mortgage,  the Master  Servicer  shall
        not be  required to enforce the  due-on-sale  clause or to contest  such
        action.

(b) Subject to the Master  Servicer's duty to enforce any due-on-sale  clause to
the  extent  set  forth in  Section  3.13(a),  in any case in which a  Mortgaged
Property  is to be conveyed  to a Person by a  Mortgagor,  and such Person is to
enter into an assumption or modification agreement or supplement to the Mortgage
Note  or  Mortgage  which  requires  the  signature  of  the  Trustee,  or if an
instrument of release signed by the Trustee is required  releasing the Mortgagor
from liability on the Mortgage Loan, the Master Servicer is authorized,  subject
to the requirements of the sentence next following,  to execute and deliver,  on
behalf of the  Trustee,  the  assumption  agreement  with the Person to whom the
Mortgaged  Property  is  to be  conveyed  and  such  modification  agreement  or
supplement  to the  Mortgage  Note  or  Mortgage  or  other  instruments  as are
reasonable  or necessary to carry out the terms of the Mortgage Note or Mortgage
or otherwise to comply with any  applicable  laws  regarding  assumptions or the
transfer of the Mortgaged Property to such Person;  provided,  however,  none of
such terms and requirements  shall either (i) both (A) constitute a "significant
modification"  effecting an exchange or  reissuance  of such Mortgage Loan under
the REMIC  Provisions  and (B) cause any portion of any REMIC  formed  under the
Series  Supplement  to fail to qualify as a REMIC  under the Code or (subject to
Section  10.01(f)),   result  in  the  imposition  of  any  tax  on  "prohibited
transactions" or (ii) constitute  "contributions"  after the start-up date under
the REMIC  Provisions.  The Master  Servicer  shall  execute  and  deliver  such
documents only if it reasonably  determines  that (i) its execution and delivery
thereof will not conflict  with or violate any terms of this  Agreement or cause

                                       55
<PAGE>

the unpaid  balance and interest on the  Mortgage  Loan to be  uncollectible  in
whole or in part,  (ii) any  required  consents of insurers  under any  Required
Insurance Policies have been obtained and (iii) subsequent to the closing of the
transaction  involving  the  assumption  or transfer (A) the Mortgage  Loan will
continue  to be secured by a first  mortgage  lien  pursuant to the terms of the
Mortgage,  (B) such transaction will not adversely affect the coverage under any
Required Insurance Policies,  (C) the Mortgage Loan will fully amortize over the
remaining term thereof, (D) no material term of the Mortgage Loan (including the
interest  rate on the  Mortgage  Loan) will be altered  nor will the term of the
Mortgage  Loan be  changed  and (E) if the  seller/transferor  of the  Mortgaged
Property is to be released  from  liability on the Mortgage  Loan,  such release
will  not  (based  on  the  Master   Servicer's  or  Subservicer's   good  faith
determination)  adversely affect the  collectability  of the Mortgage Loan. Upon
receipt of appropriate  instructions from the Master Servicer in accordance with
the  foregoing,  the Trustee shall execute any  necessary  instruments  for such
assumption  or  substitution  of  liability as directed in writing by the Master
Servicer.  Upon the closing of the transactions  contemplated by such documents,
the Master  Servicer shall cause the originals or true and correct copies of the
assumption agreement, the release (if any), or the modification or supplement to
the Mortgage  Note or Mortgage to be  delivered to the Trustee or the  Custodian
and deposited  with the Mortgage File for such Mortgage  Loan. Any fee collected
by the  Master  Servicer  or  such  related  Subservicer  for  entering  into an
assumption or substitution of liability agreement will be retained by the Master
Servicer or such Subservicer as additional servicing compensation.

(c) The Master Servicer or the related Subservicer, as the case may be, shall be
entitled  to approve a request  from a  Mortgagor  for a partial  release of the
related  Mortgaged  Property,  the  granting of an easement  thereon in favor of
another Person,  any alteration or demolition of the related Mortgaged  Property
(or,  with respect to a Cooperative  Loan,  the related  Cooperative  Apartment)
without  any  right  of  reimbursement  or  other  similar  matters  if  it  has
determined, exercising its good faith business judgment in the same manner as it
would if it were the owner of the related  Mortgage Loan, that the security for,
and the timely  and full  collectability  of,  such  Mortgage  Loan would not be
adversely  affected  thereby and that any portion of any REMIC  formed under the
Series  Supplement  would not fail to  continue  to qualify as a REMIC under the
Code as a result  thereof  and  (subject  to  Section  10.01(f))  that no tax on
"prohibited  transactions"  or  "contributions"  after the  startup day would be
imposed on any such REMIC as a result  thereof.  Any fee collected by the Master
Servicer  or the  related  Subservicer  for  processing  such a request  will be
retained by the Master  Servicer or such  Subservicer  as  additional  servicing
compensation.

(d) Subject to any other applicable terms and conditions of this Agreement,  the
Trustee and Master  Servicer  shall be entitled to approve an assignment in lieu
of  satisfaction  with respect to any Mortgage  Loan,  provided the obligee with
respect to such Mortgage Loan  following such proposed  assignment  provides the
Trustee and Master  Servicer  with a "Lender  Certification  for  Assignment  of
Mortgage  Loan" in the form attached  hereto as Exhibit M, in form and substance
satisfactory to the Trustee and Master  Servicer,  providing the following:  (i)
that the substance of the assignment is, and is intended to be, a refinancing of

                                       56
<PAGE>

such  Mortgage;  (ii) that the Mortgage Loan  following the proposed  assignment
will have a rate of  interest at least 0.25  percent  below or above the rate of
interest on such Mortgage Loan prior to such proposed assignment; and (iii) that
such  assignment  is at the request of the borrower  under the related  Mortgage
Loan. Upon approval of an assignment in lieu of satisfaction with respect to any
Mortgage Loan, the Master  Servicer shall receive cash in an amount equal to the
unpaid  principal  balance of and accrued interest on such Mortgage Loan and the
Master  Servicer shall treat such amount as a Principal  Prepayment in Full with
respect to such Mortgage Loan for all purposes hereof.

Section 3.14.  Realization Upon Defaulted Mortgage Loans.
               -----------------------------------------

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

               In addition to the foregoing,  the Master  Servicer shall use its
best  reasonable  efforts to realize upon any Additional  Collateral for such of
the Additional  Collateral  Loans as come into and continue in default and as to
which no  satisfactory  arrangements  can be made for  collection  of delinquent
payments pursuant to Section 3.07;  provided that the Master Servicer shall not,
on behalf of the Trustee,  obtain title to any such  Additional  Collateral as a
result of or in lieu of the  disposition  thereof  or  otherwise;  and  provided
further  that (i) the Master  Servicer  shall not proceed  with  respect to such
Additional  Collateral  in any manner  that would  impair the ability to recover
against the  related  Mortgaged  Property,  and (ii) the Master  Servicer  shall
proceed with any REO Acquisition in a manner that preserves the ability to apply
the  proceeds  of such  Additional  Collateral  against  amounts  owed under the
defaulted  Mortgage Loan. Any proceeds realized from such Additional  Collateral
(other than amounts to be released to the Mortgagor or the related  guarantor in

                                       57
<PAGE>

accordance  with  procedures  that the Master Servicer would follow in servicing
loans  held for its own  account,  subject  to the terms and  conditions  of the
related  Mortgage  and  Mortgage  Note and to the  terms and  conditions  of any
security agreement,  guarantee agreement,  mortgage or other agreement governing
the  disposition  of the  proceeds  of  such  Additional  Collateral)  shall  be
deposited in the Custodial  Account,  subject to withdrawal  pursuant to Section
3.10.  Any other  payment  received  by the Master  Servicer  in respect of such
Additional  Collateral  shall be deposited in the Custodial  Account  subject to
withdrawal pursuant to Section 3.10.

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

               Concurrently  with the foregoing,  the Master Servicer may pursue
any  remedies  that  may  be  available  in  connection   with  a  breach  of  a
representation and warranty with respect to any such Mortgage Loan in accordance
with Sections  2.03 and 2.04.  However,  the Master  Servicer is not required to
continue to pursue both  foreclosure  (or similar  remedies) with respect to the
Mortgage Loans and remedies in connection with a breach of a representation  and
warranty if the Master Servicer determines in its reasonable discretion that one
such  remedy is more likely to result in a greater  recovery as to the  Mortgage
Loan. Upon the occurrence of a Cash  Liquidation or REO  Disposition,  following
the deposit in the  Custodial  Account of all  Insurance  Proceeds,  Liquidation
Proceeds and other  payments and  recoveries  referred to in the  definition  of
"Cash  Liquidation"  or "REO  Disposition,"  as applicable,  upon receipt by the
Trustee of written  notification of such deposit signed by a Servicing  Officer,
the Trustee or any  Custodian,  as the case may be, shall  release to the Master
Servicer the related  Mortgage  File and the Trustee  shall  execute and deliver
such instruments of transfer or assignment  prepared by the Master Servicer,  in
each case without recourse, as shall be necessary to vest in the Master Servicer
or its designee,  as the case may be, the related  Mortgage Loan, and thereafter
such  Mortgage  Loan shall not be part of the Trust  Fund.  Notwithstanding  the
foregoing or any other  provision of this  Agreement,  in the Master  Servicer's
sole discretion  with respect to any defaulted  Mortgage Loan or REO Property as

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<PAGE>

to either of the following provisions, (i) a Cash Liquidation or REO Disposition
may be deemed to have  occurred if  substantially  all  amounts  expected by the
Master Servicer to be received in connection with the related defaulted Mortgage
Loan or REO Property have been  received,  and (ii) for purposes of  determining
the amount of any Liquidation Proceeds,  Insurance Proceeds, REO Proceeds or any
other  unscheduled  collections  or the amount of any Realized  Loss, the Master
Servicer may take into account minimal amounts of additional  receipts  expected
to be received or any estimated  additional  liquidation expenses expected to be
incurred in connection with the related defaulted Mortgage Loan or REO Property.

(b) If title to any  Mortgaged  Property is acquired by the Trust Fund as an REO
Property  by  foreclosure  or by  deed  in  lieu  of  foreclosure,  the  deed or
certificate  of sale shall be issued to the  Trustee or to its nominee on behalf
of  Certificateholders.  Notwithstanding  any  such  acquisition  of  title  and
cancellation  of the related  Mortgage Loan,  such REO Property shall (except as
otherwise expressly provided herein) be considered to be an Outstanding Mortgage
Loan held in the Trust Fund until such time as the REO  Property  shall be sold.
Consistent with the foregoing for purposes of all calculations hereunder so long
as such REO Property shall be considered to be an  Outstanding  Mortgage Loan it
shall be assumed that,  notwithstanding  that the indebtedness  evidenced by the
related  Mortgage  Note shall have been  discharged,  such Mortgage Note and the
related  amortization  schedule in effect at the time of any such acquisition of
title  (after  giving  effect  to  any  previous  Curtailments  and  before  any
adjustment  thereto by reason of any  bankruptcy  or similar  proceeding  or any
moratorium or similar waiver or grace period) remain in effect.

(c) If the Trust Fund  acquires  any REO  Property as  aforesaid or otherwise in
connection  with a default or imminent  default on a Mortgage  Loan,  the Master
Servicer on behalf of the Trust Fund shall  dispose of such REO Property as soon
as   practicable,   giving   due   consideration   to  the   interests   of  the
Certificateholders,  but in all cases  within three full years after the taxable
year of its acquisition by the Trust Fund for purposes of Section  860G(a)(8) of
the Code (or such shorter  period as may be  necessary  under  applicable  state
(including  any state in which such  property  is located)  law to maintain  the
status of any portion of any REMIC formed under the Series Supplement as a REMIC
under  applicable state law and avoid taxes resulting from such property failing
to be foreclosure property under applicable state law) or, at the expense of the
Trust Fund, request, more than 60 days before the day on which such grace period
would  otherwise  expire,  an extension  of such grace period  unless the Master
Servicer  (subject  to Section  10.01(f))  obtains for the Trustee an Opinion of
Counsel,  addressed to the Trustee and the Master  Servicer,  to the effect that
the  holding by the Trust Fund of such REO  Property  subsequent  to such period
will not  result in the  imposition  of taxes on  "prohibited  transactions"  as
defined in Section  860F of the Code or cause any REMIC  formed under the Series
Supplement to fail to qualify as a REMIC (for federal (or any  applicable  State
or  local)  income  tax  purposes)  at  any  time  that  any   Certificates  are
outstanding, in which case the Trust Fund may continue to hold such REO Property
(subject to any  conditions  contained in such  Opinion of Counsel).  The Master
Servicer shall be entitled to be reimbursed  from the Custodial  Account for any
costs  incurred in  obtaining  such  Opinion of Counsel,  as provided in Section
3.10.  Notwithstanding  any other provision of this  Agreement,  no REO Property

                                       59
<PAGE>

acquired by the Trust Fund shall be rented (or allowed to continue to be rented)
or otherwise used by or on behalf of the Trust Fund in such a manner or pursuant
to any terms  that  would (i) cause  such REO  Property  to fail to  qualify  as
"foreclosure  property" within the meaning of Section  860G(a)(8) of the Code or
(ii) subject the Trust Fund to the imposition of any federal income taxes on the
income earned from such REO  Property,  including any taxes imposed by reason of
Section 860G(c) of the Code,  unless the Master Servicer has agreed to indemnify
and hold  harmless  the Trust Fund with  respect to the  imposition  of any such
taxes.

(d) The  proceeds  of any Cash  Liquidation,  REO  Disposition  or  purchase  or
repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as well
as any recovery resulting from a collection of Liquidation  Proceeds,  Insurance
Proceeds or REO Proceeds,  will be applied in the  following  order of priority:
first, to reimburse the Master Servicer or the related Subservicer in accordance
with Section  3.10(a)(ii);  second, to the  Certificateholders  to the extent of
accrued and unpaid  interest on the Mortgage  Loan,  and any related REO Imputed
Interest,  at the Net Mortgage  Rate (or the  Modified Net Mortgage  Rate in the
case of a Modified Mortgage Loan) to the Due Date prior to the Distribution Date
on which such amounts are to be distributed; third, to the Certificateholders as
a recovery of principal on the Mortgage Loan (or REO Property);  fourth,  to all
Servicing Fees and Subservicing  Fees payable therefrom (and the Master Servicer
and the Subservicer  shall have no claims for any  deficiencies  with respect to
such fees which result from the foregoing allocation); and fifth, to Foreclosure
Profits.

(e) In the event of a default on a Mortgage  Loan one or more of whose  obligors
is not a United States Person, in connection with any foreclosure or acquisition
of a deed in lieu of foreclosure  (together,  "foreclosure")  in respect of such
Mortgage Loan, the Master Servicer will cause  compliance with the provisions of
Treasury Regulation Section  1.1445-2(d)(3) (or any successor thereto) necessary
to assure that no withholding tax obligation arises with respect to the proceeds
of such  foreclosure  except  to the  extent,  if  any,  that  proceeds  of such
foreclosure are required to be remitted to the obligors on such Mortgage Loan.

Section 3.15.  Trustee to Cooperate; Release of Mortgage Files.
               -----------------------------------------------

(a) Upon becoming aware of the payment in full of any Mortgage Loan, or upon the
receipt by the Master  Servicer of a  notification  that payment in full will be
escrowed in a manner  customary  for such  purposes,  the Master  Servicer  will
immediately  notify the Trustee (if it holds the related  Mortgage  File) or the
Custodian by a certification of a Servicing Officer (which  certification  shall
include a statement to the effect that all amounts received or to be received in
connection with such payment which are required to be deposited in the Custodial
Account   pursuant  to  Section  3.07  have  been  or  will  be  so  deposited),
substantially  in one of the forms attached hereto as Exhibit F, or, in the case
of the Custodian,  an electronic  request in a form acceptable to the Custodian,
requesting  delivery to it of the Mortgage  File.  Within two  Business  Days of
receipt of such certification and request,  the Trustee shall release,  or cause
the Custodian to release, the related Mortgage File to the Master Servicer.  The
Master  Servicer  is  authorized  to execute and  deliver to the  Mortgagor  the
request for  reconveyance,  deed of  reconveyance  or release or satisfaction of
mortgage or such  instrument  releasing the lien of the Mortgage,  together with
the Mortgage Note with, as appropriate, written evidence of cancellation thereon
and to cause the removal  from the  registration  on the MERS(R)  System of such

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<PAGE>

Mortgage  and to  execute  and  deliver,  on  behalf  of  the  Trustee  and  the
Certificateholders  or any of them, any and all  instruments of  satisfaction or
cancellation or of partial or full release.  No expenses  incurred in connection
with any instrument of satisfaction or deed of reconveyance  shall be chargeable
to the Custodial Account or the Certificate Account.

(b) From time to time as is appropriate  for the servicing or foreclosure of any
Mortgage Loan, the Master  Servicer shall deliver to the Custodian,  with a copy
to the Trustee, a certificate of a Servicing Officer substantially in one of the
forms  attached  as  Exhibit F  hereto,  or,  in the case of the  Custodian,  an
electronic  request  in a form  acceptable  to the  Custodian,  requesting  that
possession  of all, or any document  constituting  part of, the Mortgage File be
released to the Master Servicer and certifying as to the reason for such release
and that such release will not  invalidate  any insurance  coverage  provided in
respect of the Mortgage Loan under any Required  Insurance Policy.  Upon receipt
of the foregoing,  the Trustee shall deliver, or cause the Custodian to deliver,
the Mortgage  File or any document  therein to the Master  Servicer.  The Master
Servicer  shall cause each Mortgage File or any document  therein so released to
be returned to the Trustee,  or the  Custodian as agent for the Trustee when the
need therefor by the Master  Servicer no longer exists,  unless (i) the Mortgage
Loan has been liquidated and the Liquidation  Proceeds  relating to the Mortgage
Loan have been  deposited in the Custodial  Account or (ii) the Mortgage File or
such  document  has been  delivered  directly  or  through a  Subservicer  to an
attorney,  or to a public  trustee or other public  official as required by law,
for purposes of initiating or pursuing legal action or other proceedings for the
foreclosure of the Mortgaged Property either judicially or  non-judicially,  and
the Master  Servicer  has  delivered  directly or through a  Subservicer  to the
Trustee a  certificate  of a  Servicing  Officer  certifying  as to the name and
address of the Person to which such Mortgage File or such document was delivered
and the purpose or purposes of such delivery. In the event of the liquidation of
a Mortgage  Loan, the Trustee shall deliver the Request for Release with respect
thereto to the Master Servicer upon deposit of the related Liquidation  Proceeds
in the Custodial Account.

(c) The Trustee or the Master Servicer on the Trustee's behalf shall execute and
deliver to the Master Servicer, if necessary, any court pleadings,  requests for
trustee's sale or other documents necessary to the foreclosure or trustee's sale
in respect of a  Mortgaged  Property  or to any legal  action  brought to obtain
judgment  against any  Mortgagor on the Mortgage Note or Mortgage or to obtain a
deficiency judgment,  or to enforce any other remedies or rights provided by the
Mortgage Note or Mortgage or otherwise  available at law or in equity.  Together
with such documents or pleadings (if signed by the Trustee), the Master Servicer
shall deliver to the Trustee a  certificate  of a Servicing  Officer  requesting
that such pleadings or documents be executed by the Trustee and certifying as to
the reason such  documents or pleadings  are required and that the execution and
delivery thereof by the Trustee will not invalidate any insurance coverage under
any Required  Insurance Policy or invalidate or otherwise affect the lien of the
Mortgage,  except  for the  termination  of such a lien upon  completion  of the
foreclosure or trustee's sale.

Section 3.16.  Servicing and Other Compensation; Compensating Interest.
               ---------------------------------------------------------

(a) The Master Servicer, as compensation for its activities hereunder,  shall be
entitled  to receive  on each  Distribution  Date the  amounts  provided  for by
clauses  (iii),  (iv),  (v) and (vi) of Section  3.10(a),  subject to clause (e)
below. The amount of servicing  compensation  provided for in such clauses shall
be accounted for on a Mortgage  Loan-by-Mortgage  Loan basis.  In the event that

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<PAGE>

Liquidation  Proceeds,  Insurance  Proceeds  and REO  Proceeds  (net of  amounts
reimbursable  therefrom  pursuant to Section  3.10(a)(ii))  in respect of a Cash
Liquidation  or REO  Disposition  exceed  the unpaid  principal  balance of such
Mortgage  Loan plus  unpaid  interest  accrued  thereon  (including  REO Imputed
Interest)  at a per annum rate equal to the  related Net  Mortgage  Rate (or the
Modified Net Mortgage Rate in the case of a Modified  Mortgage Loan), the Master
Servicer  shall be entitled to retain  therefrom and to pay to itself and/or the
related   Subservicer,   any  Foreclosure  Profits  and  any  Servicing  Fee  or
Subservicing Fee considered to be accrued but unpaid.

(b)  Additional  servicing  compensation  in the  form  of  prepayment  charges,
assumption  fees,  late  payment  charges,  investment  income on amounts in the
Custodial  Account or the Certificate  Account or otherwise shall be retained by
the Master Servicer or the Subservicer to the extent provided herein, subject to
clause (e) below.

(c) The Master  Servicer  shall be  required  to pay,  or cause to be paid,  all
expenses  incurred by it in connection with its servicing  activities  hereunder
(including  payment of premiums for the Primary Insurance  Policies,  if any, to
the extent such premiums are not required to be paid by the related  Mortgagors,
and the fees and  expenses of the Trustee  and any  Custodian)  and shall not be
entitled to reimbursement  therefor except as specifically  provided in Sections
3.10 and 3.14.

(d) The Master  Servicer's  right to receive  servicing  compensation may not be
transferred in whole or in part except in connection with the transfer of all of
its   responsibilities  and  obligations  of  the  Master  Servicer  under  this
Agreement.

(e)  Notwithstanding  any  other  provision  herein,  the  amount  of  servicing
compensation  that the Master  Servicer  shall be  entitled  to receive  for its
activities  hereunder for the period ending on each  Distribution  Date shall be
reduced  (but not below zero) by an amount  equal to  Compensating  Interest (if
any) for such  Distribution  Date.  Such reduction  shall be applied during such
period as follows:  first, to any Servicing Fee or Subservicing Fee to which the
Master Servicer is entitled pursuant to Section 3.10(a)(iii), and second, to any
income or gain  realized  from any  investment  of funds  held in the  Custodial
Account or the  Certificate  Account to which the Master  Servicer  is  entitled
pursuant to Sections 3.07(c) or 4.01(b), respectively. In making such reduction,
the Master  Servicer (i) will not withdraw from the  Custodial  Account any such
amount  representing  all or a  portion  of the  Servicing  Fee to  which  it is
entitled pursuant to Section  3.10(a)(iii),  and (ii) will not withdraw from the
Custodial Account or Certificate Account any such amount to which it is entitled
pursuant to Section 3.07(c) or 4.01(b).

Section 3.17.  Reports to the Trustee and the Company.
               --------------------------------------

        Not later than fifteen  days after each  Distribution  Date,  the Master
Servicer shall forward to the Trustee and the Company a statement,  certified by
a Servicing Officer, setting forth the status of the Custodial Account as of the
close of business on such  Distribution Date as it relates to the Mortgage Loans
and showing, for the period covered by such statement, the aggregate of deposits

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<PAGE>

in or  withdrawals  from the Custodial  Account in respect of the Mortgage Loans
for each  category of deposit  specified  in Section  3.07 and each  category of
withdrawal specified in Section 3.10.

Section 3.18.  Annual Statement as to Compliance.
               ---------------------------------

        The Master  Servicer  will deliver to the  Company,  the Trustee and any
Certificate Insurer on or before March 31 of each year, beginning with the first
March 31 that occurs at least six months  after the Cut-off  Date,  an Officers'
Certificate  stating,  as to each  signer  thereof,  that  (i) a  review  of the
activities of the Master Servicer during the preceding  calendar year related to
its servicing of mortgage loans and its performance  under pooling and servicing
agreements,  including  this  Agreement,  has been  made  under  such  officers'
supervision, (ii) to the best of such officers' knowledge, based on such review,
the Master  Servicer  has  complied in all  material  respects  with the minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage Bankers and has fulfilled all of its material  obligations  relating to
this Agreement in all material  respects  throughout such year, or, if there has
been material  noncompliance  with such servicing  standards or a default in the
fulfillment  in all material  respects of any such  obligation  relating to this
Agreement,  such statement shall include a description of such  noncompliance or
specify  each such  default,  as the case may be,  known to such officer and the
nature and status  thereof  and (iii) to the best of such  officers'  knowledge,
each  Subservicer  has  complied  in all  material  respects  with  the  minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage  Bankers and has  fulfilled all of its material  obligations  under its
Subservicing  Agreement in all material  respects  throughout  such year, or, if
there  has been  material  noncompliance  with  such  servicing  standards  or a
material  default  in the  fulfillment  of  such  obligations  relating  to this
Agreement,  such statement shall include a description of such  noncompliance or
specify  each such  default,  as the case may be,  known to such officer and the
nature and status thereof.

Section 3.19.  Annual Independent Public Accountants' Servicing Report.
               --------------------------------------------------------

        On or before  March 31 of each year,  beginning  with the first March 31
that occurs at least six months after the Cut-off Date,  the Master  Servicer at
its expense shall cause a firm of independent public accountants, which shall be
members of the American Institute of Certified Public Accountants,  to furnish a
report to the Company and the Trustee  stating its opinion that, on the basis of
an examination conducted by such firm substantially in accordance with standards
established  by the  American  Institute of Certified  Public  Accountants,  the
assertions  made pursuant to Section 3.18 regarding  compliance with the minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage  Bankers  during the  preceding  calendar year are fairly stated in all
material respects,  subject to such exceptions and other qualifications that, in
the opinion of such firm, such  accounting  standards  require it to report.  In
rendering  such  statement,  such firm may rely,  as to matters  relating to the
direct servicing of mortgage loans by Subservicers,  upon comparable  statements
for examinations  conducted by independent public  accountants  substantially in
accordance  with standards  established  by the American  Institute of Certified
Public Accountants  (rendered within one year of such statement) with respect to
such Subservicers.

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<PAGE>

Section 3.20.  Rights of the Company in Respect of the Master Servicer.
               --------------------------------------------------------

        The Master Servicer shall afford the Company,  upon  reasonable  notice,
during  normal  business  hours access to all records  maintained  by the Master
Servicer  in  respect  of its rights  and  obligations  hereunder  and access to
officers of the Master Servicer responsible for such obligations.  Upon request,
the Master  Servicer  shall  furnish the Company with its most recent  financial
statements and such other information as the Master Servicer possesses regarding
its business,  affairs,  property and  condition,  financial or  otherwise.  The
Master   Servicer  shall  also  cooperate  with  all  reasonable   requests  for
information  including,  but not limited to, notices, tapes and copies of files,
regarding  itself,  the Mortgage  Loans or the  Certificates  from any Person or
Persons identified by the Company or Residential  Funding.  The Company may, but
is not obligated to, enforce the  obligations of the Master  Servicer  hereunder
and may, but is not obligated to, perform,  or cause a designee to perform,  any
defaulted  obligation of the Master Servicer hereunder or exercise the rights of
the Master  Servicer  hereunder;  provided that the Master Servicer shall not be
relieved of any of its  obligations  hereunder by virtue of such  performance by
the Company or its designee.  The Company shall not have any  responsibility  or
liability  for any action or failure  to act by the Master  Servicer  and is not
obligated  to  supervise  the  performance  of the  Master  Servicer  under this
Agreement or otherwise.

Section 3.21.  Administration of Buydown Funds

(a) With respect to any Buydown  Mortgage  Loan, the  Subservicer  has deposited
Buydown Funds in an account that satisfies the  requirements  for a Subservicing
Account  (the  "Buydown   Account").   The  Master   Servicer  shall  cause  the
Subservicing  Agreement to require  that upon receipt from the  Mortgagor of the
amount due on a Due Date for each Buydown  Mortgage Loan, the  Subservicer  will
withdraw from the Buydown Account the  predetermined  amount that, when added to
the amount due on such date from the Mortgagor,  equals the full Monthly Payment
and  transmit  that  amount in  accordance  with the  terms of the  Subservicing
Agreement to the Master  Servicer  together with the related payment made by the
Mortgagor or advanced by the Subservicer.

(b) If the  Mortgagor  on a  Buydown  Mortgage  Loan  prepays  such  loan in its
entirety  during  the period  (the  "Buydown  Period")  when  Buydown  Funds are
required to be applied to such Buydown  Mortgage Loan, the Subservicer  shall be
required to  withdraw  from the  Buydown  Account  and remit any  Buydown  Funds
remaining  in the  Buydown  Account  in  accordance  with  the  related  buydown
agreement.  The amount of Buydown Funds which may be remitted in accordance with
the related  buydown  agreement may reduce the amount required to be paid by the
Mortgagor  to fully  prepay the related  Mortgage  Loan.  If the  Mortgagor on a
Buydown  Mortgage Loan defaults on such Mortgage Loan during the Buydown  Period
and the property  securing such Buydown Mortgage Loan is sold in the liquidation
thereof  (either by the Master Servicer or the insurer under any related Primary
Insurance  Policy),  the  Subservicer  shall be required  to  withdraw  from the
Buydown  Account the Buydown Funds for such Buydown  Mortgage Loan still held in
the Buydown Account and remit the same to the Master Servicer in accordance with
the terms of the Subservicing Agreement for deposit in the Custodial Account or,
if  instructed  by the Master  Servicer,  pay to the  insurer  under any related

                                      64
<PAGE>

Primary  Insurance  Policy if the  Mortgaged  Property  is  transferred  to such
insurer  and such  insurer  pays all of the loss  incurred  in  respect  of such
default.  Any amount so remitted  pursuant  to the  preceding  sentence  will be
deemed to reduce the amount owed on the Mortgage Loan.

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<PAGE>

                                   ARTICLE IV

                         PAYMENTS TO CERTIFICATEHOLDERS

Section 4.01.  Certificate Account.
               -------------------

(a) The Master  Servicer on behalf of the Trustee shall establish and maintain a
Certificate  Account in which the Master Servicer shall cause to be deposited on
behalf of the Trustee on or before 2:00 P.M.  New York time on each  Certificate
Account  Deposit Date by wire transfer of immediately  available funds an amount
equal to the sum of (i) any Advance for the immediately succeeding  Distribution
Date,  (ii) any amount  required  to be  deposited  in the  Certificate  Account
pursuant to Section  3.12(a),  (iii) any amount  required to be deposited in the
Certificate Account pursuant to Section 3.16(e) or Section 4.07, (iv) any amount
required  to be  paid  pursuant  to  Section  9.01  and (v)  all  other  amounts
constituting the Available  Distribution  Amount for the immediately  succeeding
Distribution Date.

(b) The Trustee shall, upon written request from the Master Servicer,  invest or
cause the institution maintaining the Certificate Account to invest the funds in
the Certificate Account in Permitted  Investments  designated in the name of the
Trustee for the  benefit of the  Certificateholders,  which  shall  mature or be
payable  on  demand  not  later  than  the  Business  Day  next   preceding  the
Distribution  Date next following the date of such  investment  (except that (i)
any  investment  in the  institution  with  which  the  Certificate  Account  is
maintained may mature or be payable on demand on such Distribution Date and (ii)
any other  investment  may mature or be  payable on demand on such  Distribution
Date  if the  Trustee  shall  advance  funds  on such  Distribution  Date to the
Certificate   Account  in  the  amount  payable  on  such   investment  on  such
Distribution  Date,  pending  receipt  thereof to the extent  necessary  to make
distributions on the Certificates) and shall not be sold or disposed of prior to
maturity. Subject to Section 3.16(e), all income and gain realized from any such
investment  shall be for the benefit of the Master Servicer and shall be subject
to its withdrawal or order from time to time. The amount of any losses  incurred
in respect of any such investments shall be deposited in the Certificate Account
by the Master Servicer out of its own funds  immediately as realized without any
right of reimbursement.

Section 4.02.  Distributions.
               -------------

                      As provided in Section 4.02 of the Series Supplement.

Section 4.03.  Statements to Certificateholders.
               --------------------------------

     (a) Concurrently with each distribution  charged to the Certificate Account
and with respect to each  Distribution Date the Master Servicer shall forward to
the Trustee and the Trustee  shall either  forward by mail or make  available to
each Holder and the Company,  via the Trustee's  internet  website,  a statement
(and at its option,  any additional  files containing the same information in an
alternative  format) setting forth information as to each Class of Certificates,
the  Mortgage  Pool and, if the  Mortgage  Pool is comprised of two or more Loan
Groups,  each Loan Group, to the extent applicable.  This statement will include
the information set forth in an exhibit to the Series  Supplement.  Such exhibit
shall set forth the Trustee's  internet  website  address  together with a phone
number.  The Trustee  shall mail to each  Holder  that  requests a paper copy by
telephone  a paper  copy via first  class  mail.  The  Trustee  may  modify  the
distribution  procedures set forth in this Section provided that such procedures
are no less  convenient  for the  Certificateholders.  The Trustee shall provide

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prior   notification   to   the   Company,   the   Master   Servicer   and   the
Certificateholders  regarding  any such  modification.  In addition,  the Master
Servicer shall provide to any manager of a trust fund  consisting of some or all
of the Certificates,  upon reasonable request, such additional information as is
reasonably  obtainable by the Master  Servicer at no  additional  expense to the
Master Servicer.

     (b) Within a reasonable period of time after the end of each calendar year,
the Master Servicer shall prepare,  or cause to be prepared,  and shall forward,
or cause to be  forwarded,  to each Person who at any time  during the  calendar
year was the  Holder  of a  Certificate,  other  than a Class R  Certificate,  a
statement  containing the  information  set forth in clauses (i) and (ii) of the
exhibit to the Series Supplement  referred to in subsection (a) above aggregated
for such calendar year or applicable  portion  thereof  during which such Person
was a Certificateholder.  Such obligation of the Master Servicer shall be deemed
to have been satisfied to the extent that substantially  comparable  information
shall be provided by the Master  Servicer  pursuant to any  requirements  of the
Code.

     (c) Within a reasonable period of time after the end of each calendar year,
the Master Servicer shall prepare,  or cause to be prepared,  and shall forward,
or cause to be  forwarded,  to each Person who at any time  during the  calendar
year  was the  Holder  of a Class R  Certificate,  a  statement  containing  the
applicable  distribution  information  provided  pursuant to this  Section  4.03
aggregated  for such calendar year or applicable  portion  thereof  during which
such  Person was the Holder of a Class R  Certificate.  Such  obligation  of the
Master  Servicer  shall be deemed  to have been  satisfied  to the  extent  that
substantially  comparable  information  shall be provided by the Master Servicer
pursuant to any requirements of the Code.

     (d) Upon the written request of any Certificateholder, the Master Servicer,
as   soon   as   reasonably   practicable,    shall   provide   the   requesting
Certificateholder with such information as is necessary and appropriate,  in the
Master  Servicer's  sole  discretion,  for  purposes  of  satisfying  applicable
reporting requirements under Rule 144A.

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

(a)  Prior to the  close of  business  on the  Determination  Date,  the  Master
Servicer  shall  furnish a written  statement  to the Trustee,  any  Certificate
Insurer,  any Paying Agent and the Company (the information in such statement to
be made  available  to  Certificateholders  by the Master  Servicer  on request)
setting  forth  (i) the  Available  Distribution  Amount  and (ii)  the  amounts
required to be  withdrawn  from the  Custodial  Account and  deposited  into the
Certificate  Account on the immediately  succeeding  Certificate Account Deposit
Date  pursuant to clause  (iii) of Section  4.01(a).  The  determination  by the
Master  Servicer of such  amounts  shall,  in the absence of obvious  error,  be
presumptively  deemed to be correct for all purposes  hereunder  and the Trustee
shall be protected in relying  upon the same  without any  independent  check or
verification.

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<PAGE>

(b) On or before 2:00 P.M.  New York time on each  Certificate  Account  Deposit
Date, the Master  Servicer shall either (i) deposit in the  Certificate  Account
from its own funds, or funds received therefor from the Subservicers,  an amount
equal to the  Advances  to be made by the  Master  Servicer  in  respect  of the
related  Distribution  Date,  which shall be in an aggregate amount equal to the
aggregate  amount of  Monthly  Payments  (with  each  interest  portion  thereof
adjusted to the Net  Mortgage  Rate),  less the amount of any related  Servicing
Modifications,  Debt Service  Reductions or reductions in the amount of interest
collectable  from the Mortgagor  pursuant to the  Soldiers'  and Sailors'  Civil
Relief Act of 1940, as amended,  or similar  legislation or regulations  then in
effect,  on the  Outstanding  Mortgage  Loans as of the related Due Date,  which
Monthly  Payments were  delinquent as of the close of business as of the related
Determination  Date;  provided  that no  Advance  shall be made if it would be a
Nonrecoverable  Advance,  (ii) withdraw from amounts on deposit in the Custodial
Account  and deposit in the  Certificate  Account all or a portion of the Amount
Held for Future  Distribution  in discharge of any such  Advance,  or (iii) make
advances in the form of any  combination of (i) and (ii)  aggregating the amount
of such Advance.  Any portion of the Amount Held for Future Distribution so used
shall be replaced by the Master Servicer by deposit in the  Certificate  Account
on or before 11:00 A.M. New York time on any future Certificate  Account Deposit
Date to the  extent  that  funds  attributable  to the  Mortgage  Loans that are
available in the  Custodial  Account for deposit in the  Certificate  Account on
such   Certificate   Account  Deposit  Date  shall  be  less  than  payments  to
Certificateholders  required to be made on the following  Distribution Date. The
Master  Servicer  shall be entitled to use any Advance made by a Subservicer  as
described in Section 3.07(b) that has been deposited in the Custodial Account on
or before  such  Distribution  Date as part of the  Advance  made by the  Master
Servicer pursuant to this Section 4.04. The amount of any reimbursement pursuant
to Section 4.02(a) in respect of outstanding  Advances on any Distribution  Date
shall be allocated to specific  Monthly Payments due but delinquent for previous
Due Periods,  which  allocation  shall be made,  to the extent  practicable,  to
Monthly Payments which have been delinquent for the longest period of time. Such
allocations  shall be  conclusive  for purposes of  reimbursement  to the Master
Servicer from recoveries on related Mortgage Loans pursuant to Section 3.10.

        The   determination   by  the  Master   Servicer  that  it  has  made  a
Nonrecoverable Advance or that any proposed Advance, if made, would constitute a
Nonrecoverable  Advance,  shall be evidenced by an Officers'  Certificate of the
Master Servicer delivered to the Company and the Trustee.

        If the Master  Servicer  determines as of the Business Day preceding any
Certificate  Account  Deposit  Date  that it will be unable  to  deposit  in the
Certificate  Account an amount equal to the Advance  required to be made for the
immediately succeeding Distribution Date, it shall give notice to the Trustee of
its inability to advance (such notice may be given by telecopy),  not later than
3:00 P.M.,  New York time, on such Business Day,  specifying the portion of such
amount  that it will be unable to  deposit.  Not later than 3:00 P.M.,  New York
time, on the Certificate Account Deposit Date the Trustee shall, unless by 12:00
Noon, New York time, on such day the Trustee shall have been notified in writing
(by  telecopy)  that the Master  Servicer  shall  have  directly  or  indirectly
deposited in the  Certificate  Account such portion of the amount of the Advance
as to which  the  Master  Servicer  shall  have  given  notice  pursuant  to the
preceding  sentence,  pursuant to Section 7.01,  (a) terminate all of the rights
and  obligations of the Master  Servicer under this Agreement in accordance with

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<PAGE>

Section 7.01 and (b) assume the rights and  obligations  of the Master  Servicer
hereunder,  including the  obligation to deposit in the  Certificate  Account an
amount equal to the Advance for the immediately succeeding Distribution Date.

        The Trustee shall deposit all funds it receives pursuant to this Section
4.04 into the Certificate Account.

Section 4.05.  Allocation of Realized Losses.
               -----------------------------

                             As   provided   in  Section   4.05  of  the  Series
Supplement.

Section 4.06.  Reports of Foreclosures and Abandonment of Mortgaged Property.
               --------------------------------------------------------------

        The Master Servicer or the Subservicers  shall file information  returns
with  respect  to the  receipt  of  mortgage  interests  received  in a trade or
business, the reports of foreclosures and abandonments of any Mortgaged Property
and the information returns relating to cancellation of indebtedness income with
respect to any Mortgaged  Property required by Sections 6050H,  6050J and 6050P,
respectively,  of the Code, and deliver to the Trustee an Officers'  Certificate
on or before  March 31 of each year  stating  that such reports have been filed.
Such reports  shall be in form and  substance  sufficient  to meet the reporting
requirements imposed by Sections 6050H, 6050J and 6050P of the Code.

Section 4.07.  Optional Purchase of Defaulted Mortgage Loans.
               ----------------------------------------------

        As to any  Mortgage  Loan which is  delinquent  in payment by 90 days or
more, the Master  Servicer may, at its option,  purchase such Mortgage Loan from
the Trustee at the Purchase Price  therefor.  If at any time the Master Servicer
makes a payment to the Certificate  Account  covering the amount of the Purchase
Price for such a Mortgage Loan, and the Master Servicer  provides to the Trustee
a  certification  signed by a Servicing  Officer stating that the amount of such
payment has been deposited in the  Certificate  Account,  then the Trustee shall
execute  the  assignment  of such  Mortgage  Loan at the  request  of the Master
Servicer without recourse to the Master Servicer, which shall succeed to all the
Trustee's  right,  title and  interest  in and to such  Mortgage  Loan,  and all
security and documents relative thereto.  Such assignment shall be an assignment
outright and not for  security.  The Master  Servicer  will  thereupon  own such
Mortgage, and all such security and documents, free of any further obligation to
the Trustee or the Certificateholders with respect thereto.

        If,  however,  the Master  Servicer  shall have  exercised  its right to
repurchase  a Mortgage  Loan  pursuant  to this  Section  4.07 upon the  written
request of and with funds provided by the Junior Certificateholder and thereupon
transferred  such  Mortgage  Loan to the  Junior  Certificateholder,  the Master
Servicer shall so notify the Trustee in writing.

Section 4.08.  Surety Bond.
               -----------

(a) If a Required  Surety  Payment is payable  pursuant  to the Surety Bond with
respect to any Additional  Collateral  Loan, the Master Servicer shall so notify
the Trustee as soon as reasonably  practicable  and the Trustee  shall  promptly
complete  the notice in the form of  Attachment  1 to the Surety  Bond and shall
promptly submit such notice to the Surety as a claim for a Required Surety.  The
Master  Servicer shall upon request assist the Trustee in completing such notice
and shall  provide  any  information  requested  by the  Trustee  in  connection
therewith.

                                       69
<PAGE>

(b) Upon receipt of a Required  Surety  Payment from the Surety on behalf of the
Holders of Certificates,  the Trustee shall deposit such Required Surety Payment
in the Certificate Account and shall distribute such Required Surety Payment, or
the proceeds thereof, in accordance with the provisions of Section 4.02.

(c) The  Trustee  shall (i)  receive  as  attorney-in-fact  of each  Holder of a
Certificate  any Required  Surety  Payment from the Surety and (ii) disburse the
same to the Holders of such Certificates as set forth in Section 4.02.

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<PAGE>

                                   ARTICLE V

                                THE CERTIFICATES

Section 5.01.  The Certificates.
               ----------------

(a) The Senior, Class M, Class B and Class R Certificates shall be substantially
in the forms set forth in Exhibits A, B, C and D,  respectively,  and shall,  on
original  issue,  be executed and  delivered  by the Trustee to the  Certificate
Registrar  for  authentication  and delivery to or upon the order of the Company
upon receipt by the Trustee or one or more Custodians of the documents specified
in Section 2.01. The Certificates shall be issuable in the minimum denominations
designated in the Preliminary Statement to the Series Supplement.

        The Certificates  shall be executed by manual or facsimile  signature on
behalf of an authorized officer of the Trustee.  Certificates bearing the manual
or facsimile  signatures of individuals who were at any time the proper officers
of the Trustee shall bind the Trustee,  notwithstanding that such individuals or
any of them have ceased to hold such  offices  prior to the  authentication  and
delivery of such  Certificate  or did not hold such  offices at the date of such
Certificates.  No  Certificate  shall be  entitled  to any  benefit  under  this
Agreement, or be valid for any purpose, unless there appears on such Certificate
a certificate of  authentication  substantially  in the form provided for herein
executed by the Certificate Registrar by manual signature,  and such certificate
upon any Certificate shall be conclusive evidence,  and the only evidence,  that
such  Certificate  has been duly  authenticated  and  delivered  hereunder.  All
Certificates shall be dated the date of their authentication.

(b) Except as provided below, registration of Book-Entry Certificates may not be
transferred by the Trustee except to another Depository that agrees to hold such
Certificates  for the respective  Certificate  Owners with  Ownership  Interests
therein. The Holders of the Book-Entry  Certificates shall hold their respective
Ownership  Interests in and to each of such Certificates  through the book-entry
facilities  of the  Depository  and,  except  as  provided  below,  shall not be
entitled to Definitive Certificates in respect of such Ownership Interests.  All
transfers by Certificate Owners of their respective  Ownership  Interests in the
Book-Entry  Certificates  shall  be  made  in  accordance  with  the  procedures
established by the Depository  Participant or brokerage firm  representing  such
Certificate  Owner.  Each  Depository  Participant  shall transfer the Ownership
Interests  only  in  the  Book-Entry   Certificates  of  Certificate  Owners  it
represents or of brokerage  firms for which it acts as agent in accordance  with
the Depository's normal procedures.

        The  Trustee,  the Master  Servicer and the Company may for all purposes
(including  the making of payments due on the  respective  Classes of Book-Entry
Certificates)  deal with the Depository as the authorized  representative of the
Certificate  Owners  with  respect  to  the  respective  Classes  of  Book-Entry
Certificates  for the purposes of  exercising  the rights of  Certificateholders
hereunder.  The rights of  Certificate  Owners  with  respect to the  respective
Classes of Book-Entry  Certificates shall be limited to those established by law
and agreements between such Certificate  Owners and the Depository  Participants
and brokerage firms representing such Certificate Owners.  Multiple requests and

                                       71
<PAGE>

directions  from,  and  votes  of,  the  Depository  as  Holder  of any Class of
Book-Entry  Certificates  with  respect to any  particular  matter  shall not be
deemed  inconsistent  if they are made with  respect  to  different  Certificate
Owners.  The Trustee may establish a reasonable  record date in connection  with
solicitations  of consents from or voting by  Certificateholders  and shall give
notice to the Depository of such record date.

        If (i)(A) the Company advises the Trustee in writing that the Depository
is no longer  willing or able to  properly  discharge  its  responsibilities  as
Depository and (B) the Company is unable to locate a qualified successor or (ii)
the  Company  at its option  advises  the  Trustee in writing  that it elects to
terminate the book-entry system through the Depository, the Trustee shall notify
all Certificate  Owners,  through the Depository,  of the occurrence of any such
event and of the availability of Definitive  Certificates to Certificate  Owners
requesting   the  same.   Upon  surrender  to  the  Trustee  of  the  Book-Entry
Certificates by the Depository,  accompanied by registration  instructions  from
the  Depository  for  registration  of  transfer,  the  Trustee  shall issue the
Definitive  Certificates.  Neither  the  Company,  the Master  Servicer  nor the
Trustee shall be liable for any actions taken by the  Depository or its nominee,
including,  without  limitation,  any delay in delivery of such instructions and
may  conclusively   rely  on,  and  shall  be  protected  in  relying  on,  such
instructions. Upon the issuance of Definitive Certificates all references herein
to obligations imposed upon or to be performed by the Company in connection with
the issuance of the Definitive  Certificates pursuant to this Section 5.01 shall
be deemed to be imposed upon and  performed by the Trustee,  and the Trustee and
the Master Servicer shall  recognize the Holders of the Definitive  Certificates
as Certificateholders hereunder.

(c) From time to time  Residential  Funding,  as the initial Holder of the Class
A-V  Certificates,  may  exchange  such  Holder's  Class  A-V  Certificates  for
Subclasses  of Class A-V  Certificates  to be issued  under  this  Agreement  by
delivering a "Request for Exchange" substantially in the form attached hereto as
Exhibit N executed by an authorized officer, which Subclasses, in the aggregate,
will   represent  the   Uncertificated   Class  A-V  REMIC   Regular   Interests
corresponding  to the Class A-V  Certificates so surrendered  for exchange.  Any
Subclass so issued  shall bear a  numerical  designation  commencing  with Class
A-V-1 and continuing sequentially thereafter, and will evidence ownership of the
Uncertificated  REMIC Regular Interest or Interests specified in writing by such
initial  Holder to the  Trustee.  The  Trustee  may  conclusively,  without  any
independent  verification,  rely on,  and  shall be  protected  in  relying  on,
Residential  Funding's  determinations  of the  Uncertificated  Class  A-V REMIC
Regular Interests corresponding to any Subclass, the Initial Notional Amount and
the initial  Pass-Through  Rate on a Subclass  as set forth in such  Request for
Exchange and the Trustee  shall have no duty to determine if any  Uncertificated
Class  A-V  REMIC  Regular  Interest   designated  on  a  Request  for  Exchange
corresponds  to a Subclass which has  previously  been issued.  Each Subclass so
issued shall be  substantially  in the form set forth in Exhibit A and shall, on
original  issue,  be executed and  delivered  by the Trustee to the  Certificate
Registrar for  authentication  and delivery in accordance with Section  5.01(a).
Every  Certificate  presented or surrendered  for exchange by the initial Holder
shall (if so  required  by the  Trustee or the  Certificate  Registrar)  be duly
endorsed by, or be accompanied by a written  instrument of transfer  attached to
such  Certificate and shall be completed to the  satisfaction of the Trustee and
the  Certificate  Registrar  duly executed by, the initial Holder thereof or his
attorney duly authorized in writing.  The  Certificates of any Subclass of Class
A-V  Certificates  may be transferred  in whole,  but not in part, in accordance
with the provisions of Section 5.02.

                                       72
<PAGE>

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

(a) The  Trustee  shall cause to be kept at one of the offices or agencies to be
appointed by the Trustee in  accordance  with the  provisions  of Section 8.12 a
Certificate Register in which, subject to such reasonable  regulations as it may
prescribe, the Trustee shall provide for the registration of Certificates and of
transfers  and  exchanges of  Certificates  as herein  provided.  The Trustee is
initially  appointed  Certificate  Registrar  for  the  purpose  of  registering
Certificates and transfers and exchanges of Certificates as herein provided. The
Certificate Registrar,  or the Trustee, shall provide the Master Servicer with a
certified list of Certificateholders as of each Record Date prior to the related
Determination Date.

(b) Upon surrender for registration of transfer of any Certificate at any office
or agency of the Trustee  maintained  for such purpose  pursuant to Section 8.12
and,  in the  case  of any  Class  M,  Class  B or  Class  R  Certificate,  upon
satisfaction  of the conditions  set forth below,  the Trustee shall execute and
the Certificate  Registrar shall  authenticate  and deliver,  in the name of the
designated  transferee or  transferees,  one or more new  Certificates of a like
Class (or Subclass) and aggregate Percentage Interest.

(c) At the option of the  Certificateholders,  Certificates may be exchanged for
other Certificates of authorized denominations of a like Class (or Subclass) and
aggregate  Percentage  Interest,  upon  surrender  of  the  Certificates  to  be
exchanged  at any such  office  or  agency.  Whenever  any  Certificates  are so
surrendered for exchange the Trustee shall execute and the Certificate Registrar
shall  authenticate  and  deliver  the  Certificates  of such  Class  which  the
Certificateholder  making the exchange is entitled to receive. Every Certificate
presented or  surrendered  for transfer or exchange shall (if so required by the
Trustee or the Certificate  Registrar) be duly endorsed by, or be accompanied by
a written  instrument  of transfer in form  satisfactory  to the Trustee and the
Certificate  Registrar duly executed by, the Holder thereof or his attorney duly
authorized in writing.

(d) No transfer,  sale,  pledge or other  disposition  of a Class B  Certificate
shall be made unless such transfer,  sale, pledge or other disposition is exempt
from the  registration  requirements  of the Securities Act of 1933, as amended,
and any applicable  state securities laws or is made in accordance with said Act
and laws.  In the event that a transfer of a Class B  Certificate  is to be made
either (i)(A) the Trustee shall require a written Opinion of Counsel  acceptable
to and in form and  substance  satisfactory  to the Trustee and the Company that
such transfer may be made pursuant to an exemption,  describing  the  applicable
exemption  and the  basis  therefor,  from  said Act and  laws or is being  made
pursuant to said Act and laws,  which Opinion of Counsel shall not be an expense
of the  Trustee,  the  Company  or the Master  Servicer  (except  that,  if such
transfer is made by the Company or the Master Servicer or any Affiliate thereof,
the Company or the Master  Servicer  shall  provide  such  Opinion of Counsel at
their own  expense);  provided that such Opinion of Counsel will not be required
in connection with the initial  transfer of any such  Certificate by the Company
or any  Affiliate  thereof to the Company or an Affiliate of the Company and (B)
the Trustee shall require the  transferee  to execute a  representation  letter,
substantially in the form of Exhibit H hereto, and the Trustee shall require the
transferor  to execute a  representation  letter,  substantially  in the form of
Exhibit I hereto,  each acceptable to and in form and substance  satisfactory to
the Company and the Trustee  certifying to the Company and the Trustee the facts
surrounding such transfer,  which representation letters shall not be an expense
of the Trustee, the Company or the Master Servicer; provided, however, that such
representation  letters will not be required in connection  with any transfer of
any such  Certificate by the Company or any Affiliate  thereof to the Company or
an Affiliate of the Company,  and the Trustee shall be entitled to  conclusively

                                       73
<PAGE>

rely upon a representation  (which, upon the request of the Trustee,  shall be a
written representation) from the Company, of the status of such transferee as an
Affiliate  of  the  Company  or  (ii)  the  prospective  transferee  of  such  a
Certificate shall be required to provide the Trustee, the Company and the Master
Servicer  with an  investment  letter  substantially  in the form of  Exhibit  J
attached hereto (or such other form as the Company in its sole discretion  deems
acceptable), which investment letter shall not be an expense of the Trustee, the
Company or the Master Servicer,  and which investment  letter states that, among
other  things,  such  transferee  (A) is a  "qualified  institutional  buyer" as
defined  under Rule 144A,  acting for its own  account or the  accounts of other
"qualified  institutional  buyers" as defined under Rule 144A,  and (B) is aware
that the proposed  transferor intends to rely on the exemption from registration
requirements  under the  Securities  Act of 1933,  as amended,  provided by Rule
144A. The Holder of any such  Certificate  desiring to effect any such transfer,
sale, pledge or other disposition shall, and does hereby agree to, indemnify the
Trustee, the Company, the Master Servicer and the Certificate  Registrar against
any liability that may result if the transfer, sale, pledge or other disposition
is not so exempt or is not made in accordance with such federal and state laws.

(e)  (i) In the  case  of any  Class  B or  Class R  Certificate  presented  for
     registration  in the  name of any  Person,  either  (A) the  Trustee  shall
     require  an  Opinion of  Counsel  acceptable  to and in form and  substance
     satisfactory  to the  Trustee,  the Company and the Master  Servicer to the
     effect that the purchase or holding of such Class B or Class R  Certificate
     is permissible  under  applicable law, will not constitute or result in any
     non-exempt  prohibited  transaction  under  Section  406  of  the  Employee
     Retirement  Income Security Act of 1974, as amended  ("ERISA"),  or Section
     4975 of the Code (or comparable  provisions of any subsequent  enactments),
     and will not subject the Trustee, the Company or the Master Servicer to any
     obligation or liability  (including  obligations or liabilities under ERISA
     or  Section  4975 of the  Code) in  addition  to those  undertaken  in this
     Agreement, which Opinion of Counsel shall not be an expense of the Trustee,
     the Company or the Master Servicer or (B) the prospective  Transferee shall
     be  required to provide the  Trustee,  the Company and the Master  Servicer
     with a certification  to the effect set forth in paragraph six of Exhibit H
     (with respect to any Class B Certificate) or paragraph  fourteen of Exhibit
     G-1 (with respect to any Class R  Certificate),  which the Trustee may rely
     upon without further inquiry or investigation, or such other certifications
     as the Trustee may deem  desirable or necessary in order to establish  that
     such Transferee or the Person in whose name such  registration is requested
     either (a) is not an  employee  benefit  plan or other plan  subject to the
     prohibited  transaction provisions of ERISA or Section 4975 of the Code, or
     any Person (including an investment manager, a named fiduciary or a trustee
     of any such  plan) who is using  "plan  assets"  of any such plan to effect
     such acquisition  (each, a "Plan Investor") or (b) in the case of any Class
     B Certificate,  the following conditions are satisfied: (i) such Transferee
     is an insurance company,  (ii) the source of funds used to purchase or hold
     such  Certificate  (or interest  therein) is an "insurance  company general

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<PAGE>

     account" (as defined in U.S.  Department  of Labor  Prohibited  Transaction
     Class  Exemption  ("PTCE")  95-60,  and (iii) the  conditions  set forth in
     Sections I and III of PTCE  95-60 have been  satisfied  (each  entity  that
     satisfies this clause (b), a "Complying Insurance Company").

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

               (iii) (A) If any Class M Certificate (or any interest therein) is
               acquired  or  held  by any  Person  that  does  not  satisfy  the
               conditions  described  in  paragraph  (ii)  above,  then the last
               preceding Transferee that either (i) is not a Plan Investor, (ii)
               acquired such  Certificate in compliance  with the RFC Exemption,
               or (iii) is a Complying  Insurance Company shall be restored,  to
               the extent  permitted  by law, to all rights and  obligations  as
               Certificate  Owner  thereof  retroactive  to  the  date  of  such
               Transfer of such Class M Certificate.  The Trustee shall be under
               no  liability  to any Person for making any  payments due on such
               Certificate to such preceding Transferee.

                      (B) Any purported  Certificate  Owner whose acquisition or
               holding of any Class M  Certificate  (or  interest  therein)  was
               effected in violation of the restrictions in this Section 5.02(e)
               shall indemnify and hold harmless the Company,  the Trustee,  the
               Master Servicer, any Subservicer,  the Underwriters and the Trust
               Fund from and against any and all liabilities,  claims,  costs or
               expenses incurred by such parties as a result of such acquisition
               or holding.

(f) (i) Each Person who has or who acquires any Ownership  Interest in a Class R
Certificate  shall be deemed by the  acceptance or acquisition of such Ownership
Interest  to have  agreed to be bound by the  following  provisions  and to have
irrevocably  authorized the Trustee or its designee under clause  (iii)(A) below
to deliver  payments  to a Person  other than such Person and to  negotiate  the
terms of any  mandatory  sale under  clause  (iii)(B)  below and to execute  all
instruments of transfer and to do all other things  necessary in connection with
any such sale. The rights of each Person  acquiring any Ownership  Interest in a
Class R Certificate are expressly subject to the following provisions:

(A)  Each  Person  holding or  acquiring  any  Ownership  Interest  in a Class R
     Certificate  shall be a Permitted  Transferee and shall promptly notify the
     Trustee of any  change or  impending  change in its  status as a  Permitted
     Transferee.

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<PAGE>

(B)  In connection  with any proposed  Transfer of any  Ownership  Interest in a
     Class R  Certificate,  the Trustee shall require  delivery to it, and shall
     not register the Transfer of any Class R Certificate  until its receipt of,
     (I) an affidavit and agreement (a "Transfer  Affidavit and  Agreement,"  in
     the form attached hereto as Exhibit G-1) from the proposed  Transferee,  in
     form and substance  satisfactory to the Master  Servicer,  representing and
     warranting,  among other things, that it is a Permitted Transferee, that it
     is not acquiring its Ownership  Interest in the Class R Certificate that is
     the subject of the proposed Transfer as a nominee, trustee or agent for any
     Person who is not a  Permitted  Transferee,  that for so long as it retains
     its Ownership Interest in a Class R Certificate, it will endeavor to remain
     a Permitted  Transferee,  and that it has reviewed the  provisions  of this
     Section 5.02(f) and agrees to be bound by them, and (II) a certificate,  in
     the form  attached  hereto as  Exhibit  G-2,  from the  Holder  wishing  to
     transfer the Class R Certificate, in form and substance satisfactory to the
     Master Servicer,  representing and warranting,  among other things, that no
     purpose of the proposed  Transfer is to impede the assessment or collection
     of tax.

(C)  Notwithstanding  the delivery of a Transfer  Affidavit  and  Agreement by a
     proposed Transferee under clause (B) above, if a Responsible Officer of the
     Trustee who is assigned to this  Agreement  has actual  knowledge  that the
     proposed  Transferee  is not a  Permitted  Transferee,  no  Transfer  of an
     Ownership  Interest in a Class R Certificate  to such  proposed  Transferee
     shall be effected.

(D)  Each  Person  holding or  acquiring  any  Ownership  Interest  in a Class R
     Certificate  shall agree (x) to require a Transfer  Affidavit and Agreement
     from any  other  Person  to whom  such  Person  attempts  to  transfer  its
     Ownership  Interest in a Class R  Certificate  and (y) not to transfer  its
     Ownership  Interest  unless it provides a certificate to the Trustee in the
     form attached hereto as Exhibit G-2.

(E)  Each  Person  holding  or  acquiring  an  Ownership  Interest  in a Class R
     Certificate,  by  purchasing  an  Ownership  Interest in such  Certificate,
     agrees  to give  the  Trustee  written  notice  that it is a  "pass-through
     interest  holder"  within the  meaning of  Temporary  Treasury  Regulations
     Section   1.67-3T(a)(2)(i)(A)   immediately  upon  acquiring  an  Ownership
     Interest  in a Class R  Certificate,  if it is, or is holding an  Ownership
     Interest in a Class R Certificate  on behalf of, a  "pass-through  interest
     holder."

(ii)    The Trustee will register the Transfer of any Class R  Certificate  only
        if it shall have  received  the  Transfer  Affidavit  and  Agreement,  a
        certificate of the Holder  requesting such transfer in the form attached
        hereto as Exhibit G-2 and all of such other documents as shall have been
        reasonably  required by the Trustee as a condition to such registration.
        Transfers of the Class R Certificates  to Non-United  States Persons and
        Disqualified  Organizations  (as  defined in Section  860E(e)(5)  of the
        Code) are prohibited.

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<PAGE>

(iii)(A) If any  Disqualified  Organization  shall  become a holder of a Class R
     Certificate,   then  the  last  preceding  Permitted  Transferee  shall  be
     restored,  to the extent permitted by law, to all rights and obligations as
     Holder thereof  retroactive to the date of registration of such Transfer of
     such Class R  Certificate.  If a  Non-United  States  Person shall become a
     holder of a Class R  Certificate,  then the last  preceding  United  States
     Person shall be restored, to the extent permitted by law, to all rights and
     obligations as Holder thereof  retroactive to the date of  registration  of
     such  Transfer  of such Class R  Certificate.  If a  transfer  of a Class R
     Certificate  is   disregarded   pursuant  to  the  provisions  of  Treasury
     Regulations  Section 1.860E-1 or Section 1.860G-3,  then the last preceding
     Permitted Transferee shall be restored,  to the extent permitted by law, to
     all rights and  obligations  as Holder  thereof  retroactive to the date of
     registration  of such  Transfer  of such Class R  Certificate.  The Trustee
     shall be under no liability to any Person for any  registration of Transfer
     of a Class R  Certificate  that is in fact not  permitted  by this  Section
     5.02(f) or for making any  payments due on such  Certificate  to the holder
     thereof or for taking any other  action with  respect to such holder  under
     the provisions of this Agreement.

     (B)  If any  purported  Transferee  shall  become  a  Holder  of a  Class R
          Certificate in violation of the  restrictions  in this Section 5.02(f)
          and to the extent that the  retroactive  restoration  of the rights of
          the Holder of such Class R Certificate as described in clause (iii)(A)
          above  shall be  invalid,  illegal or  unenforceable,  then the Master
          Servicer  shall  have the right,  without  notice to the holder or any
          prior  holder  of such  Class R  Certificate,  to  sell  such  Class R
          Certificate  to a purchaser  selected  by the Master  Servicer on such
          terms as the Master  Servicer may choose.  Such  purported  Transferee
          shall  promptly  endorse  and  deliver  each  Class R  Certificate  in
          accordance  with  the  instructions  of  the  Master  Servicer.   Such
          purchaser  may be the Master  Servicer  itself or any Affiliate of the
          Master  Servicer.  The proceeds of such sale,  net of the  commissions
          (which may include  commissions  payable to the Master Servicer or its
          Affiliates),  expenses and taxes due, if any,  will be remitted by the
          Master Servicer to such purported Transferee. The terms and conditions
          of any sale under this clause (iii)(B) shall be determined in the sole
          discretion of the Master  Servicer,  and the Master Servicer shall not
          be liable to any  Person  having an  Ownership  Interest  in a Class R
          Certificate as a result of its exercise of such discretion.

(iv) The Master Servicer, on behalf of the Trustee,  shall make available,  upon
     written request from the Trustee, all information  necessary to compute any
     tax imposed (A) as a result of the Transfer of an  Ownership  Interest in a
     Class R  Certificate  to any  Person  who is a  Disqualified  Organization,
     including the  information  regarding  "excess  inclusions" of such Class R
     Certificates  required to be provided to the Internal  Revenue  Service and
     certain   Persons   as   described   in   Treasury   Regulations   Sections
     1.860D-1(b)(5)  and  1.860E-2(a)(5),  and (B) as a result of any  regulated
     investment  company,  real  estate  investment  trust,  common  trust fund,
     partnership, trust, estate or organization described in Section 1381 of the
     Code that holds an Ownership  Interest in a Class R  Certificate  having as
     among its  record  holders  at any time any  Person  who is a  Disqualified
     Organization. Reasonable compensation for providing such information may be
     required by the Master Servicer from such Person.

                                       77
<PAGE>

(v)     The  provisions  of this Section  5.02(f) set forth prior to this clause
        (v) may be modified,  added to or eliminated,  provided that there shall
        have been delivered to the Trustee the following:

     (A)  written  notification  from each Rating  Agency to the effect that the
          modification,  addition to or elimination of such  provisions will not
          cause such Rating Agency to downgrade  its  then-current  ratings,  if
          any, of any Class of the Senior, Class M or Class B Certificates below
          the lower of the  then-current  rating or the rating  assigned to such
          Certificates as of the Closing Date by such Rating Agency; and

     (B)  subject to Section  10.01(f),  an Officers'  Certificate of the Master
          Servicer  stating that the Master  Servicer has received an Opinion of
          Counsel, in form and substance satisfactory to the Master Servicer, to
          the  effect  that such  modification,  addition  to or absence of such
          provisions  will not cause any portion of any REMIC  formed  under the
          Series  Supplement  to cease to  qualify as a REMIC and will not cause
          (x) any portion of any REMIC formed under the Series  Supplement to be
          subject to an  entity-level  tax caused by the Transfer of any Class R
          Certificate to a Person that is a Disqualified  Organization  or (y) a
          Certificateholder  or another Person to be subject to a  REMIC-related
          tax caused by the Transfer of a Class R  Certificate  to a Person that
          is not a Permitted Transferee.

     (g) No  service  charge  shall  be made for any  transfer  or  exchange  of
Certificates  of any  Class,  but  the  Trustee  may  require  payment  of a sum
sufficient  to cover  any tax or  governmental  charge  that may be  imposed  in
connection with any transfer or exchange of Certificates.

     (h) All  Certificates  surrendered  for  transfer  and  exchange  shall  be
destroyed by the Certificate Registrar.

Section 5.03.  Mutilated, Destroyed, Lost or Stolen Certificates.
               --------------------------------------------------

        If (i) any  mutilated  Certificate  is  surrendered  to the  Certificate
Registrar,  or the Trustee and the  Certificate  Registrar  receive  evidence to
their  satisfaction of the destruction,  loss or theft of any  Certificate,  and
(ii) there is  delivered  to the  Trustee  and the  Certificate  Registrar  such
security or indemnity as may be required by them to save each of them  harmless,
then, in the absence of notice to the Trustee or the Certificate  Registrar that
such  Certificate has been acquired by a bona fide purchaser,  the Trustee shall
execute  and the  Certificate  Registrar  shall  authenticate  and  deliver,  in
exchange  for or in lieu  of any  such  mutilated,  destroyed,  lost  or  stolen
Certificate,  a new Certificate of like tenor, Class and Percentage Interest but
bearing a number not contemporaneously outstanding. Upon the issuance of any new
Certificate  under this  Section,  the  Trustee may require the payment of a sum

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<PAGE>

sufficient to cover any tax or other governmental  charge that may be imposed in
relation thereto and any other expenses  (including the fees and expenses of the
Trustee  and the  Certificate  Registrar)  connected  therewith.  Any  duplicate
Certificate  issued  pursuant to this  Section  shall  constitute  complete  and
indefeasible  evidence of ownership in the Trust Fund, as if originally  issued,
whether or not the lost,  stolen or destroyed  Certificate shall be found at any
time.

Section 5.04.  Persons Deemed Owners.
               ---------------------

        Prior to due presentation of a Certificate for registration of transfer,
the Company,  the Master Servicer,  the Trustee,  any Certificate  Insurer,  the
Certificate  Registrar and any agent of the Company,  the Master  Servicer,  the
Trustee,  any  Certificate  Insurer or the  Certificate  Registrar may treat the
Person  in  whose  name  any  Certificate  is  registered  as the  owner of such
Certificate for the purpose of receiving  distributions pursuant to Section 4.02
and for all other purposes  whatsoever,  except as and to the extent provided in
the  definition  of  "Certificateholder,"  and neither the  Company,  the Master
Servicer,  the Trustee, any Certificate  Insurer, the Certificate  Registrar nor
any agent of the Company,  the Master  Servicer,  the Trustee,  any  Certificate
Insurer or the Certificate Registrar shall be affected by notice to the contrary
except as provided in Section 5.02(f).

Section 5.05.  Appointment of Paying Agent.
               ---------------------------

        The  Trustee  may  appoint  a Paying  Agent  for the  purpose  of making
distributions to the  Certificateholders  pursuant to Section 4.02. In the event
of any  such  appointment,  on or  prior to each  Distribution  Date the  Master
Servicer on behalf of the Trustee  shall  deposit or cause to be deposited  with
the Paying Agent a sum sufficient to make the payments to the Certificateholders
in the amounts and in the manner  provided for in Section  4.02,  such sum to be
held in trust for the benefit of the Certificateholders.

        The Trustee  shall cause each Paying Agent to execute and deliver to the
Trustee an  instrument  in which such Paying  Agent shall agree with the Trustee
that such  Paying  Agent  will hold all sums held by it for the  payment  to the
Certificateholders in trust for the benefit of the  Certificateholders  entitled
thereto  until such sums shall be paid to such  Certificateholders.  Any sums so
held by such Paying Agent shall be held only in Eligible  Accounts to the extent
such sums are not distributed to the  Certificateholders  on the date of receipt
by such Paying Agent.

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<PAGE>

                                   ARTICLE VI

                       THE COMPANY AND THE MASTER SERVICER

Section 6.01.  Respective Liabilities of the Company and the Master Servicer.
               --------------------------------------------------------------

        The Company and the Master  Servicer  shall each be liable in accordance
herewith only to the extent of the  obligations  specifically  and  respectively
imposed upon and undertaken by the Company and the Master  Servicer  herein.  By
way of  illustration  and not  limitation,  the  Company  is not  liable for the
servicing  and  administration  of the  Mortgage  Loans,  nor is it obligated by
Section 7.01 or Section 10.01 to assume any  obligations of the Master  Servicer
or to appoint a designee  to assume such  obligations,  nor is it liable for any
other  obligation  hereunder that it may, but is not obligated to, assume unless
it elects to assume such obligation in accordance herewith.

Section 6.02.  Merger or  Consolidation  of the Company or the Master  Servicer;
     Assignment of Rights and Delegation of Duties by Master Servicer.

(a) The  Company  and the  Master  Servicer  will each keep in full  effect  its
existence, rights and franchises as a corporation under the laws of the state of
its  incorporation,  and will each obtain and preserve its  qualification  to do
business  as  a  foreign   corporation  in  each   jurisdiction  in  which  such
qualification   is  or  shall  be   necessary   to  protect  the   validity  and
enforceability of this Agreement,  the Certificates or any of the Mortgage Loans
and to perform its respective duties under this Agreement.

(b) Any Person  into which the Company or the Master  Servicer  may be merged or
consolidated,  or any corporation  resulting from any merger or consolidation to
which  the  Company  or the  Master  Servicer  shall be a party,  or any  Person
succeeding to the business of the Company or the Master  Servicer,  shall be the
successor of the Company or the Master Servicer,  as the case may be, hereunder,
without the  execution  or filing of any paper or any further act on the part of
any of the parties  hereto,  anything  herein to the  contrary  notwithstanding;
provided, however, that the successor or surviving Person to the Master Servicer
shall be qualified to service  mortgage loans on behalf of Fannie Mae or Freddie
Mac; and  provided  further that each Rating  Agency's  ratings,  if any, of the
Senior,  Class M or Class B  Certificates  in effect  immediately  prior to such
merger or consolidation will not be qualified,  reduced or withdrawn as a result
thereof (as evidenced by a letter to such effect from each Rating Agency).

(c)  Notwithstanding  anything else in this Section 6.02 and Section 6.04 to the
contrary,  the Master Servicer may assign its rights and delegate its duties and
obligations  under  this  Agreement;  provided  that the Person  accepting  such
assignment  or  delegation  shall be a  Person  which is  qualified  to  service
mortgage   loans  on  behalf  of  Fannie  Mae  or  Freddie  Mac,  is  reasonably
satisfactory to the Trustee and the Company,  is willing to service the Mortgage
Loans and executes and delivers to the Company and the Trustee an agreement,  in
form and substance reasonably satisfactory to the Company and the Trustee, which
contains an  assumption by such Person of the due and punctual  performance  and
observance  of each  covenant  and  condition to be performed or observed by the
Master Servicer under this Agreement; provided further that each Rating Agency's

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<PAGE>

rating of the Classes of Certificates that have been rated in effect immediately
prior to such  assignment  and  delegation  will not be  qualified,  reduced  or
withdrawn  as a result of such  assignment  and  delegation  (as  evidenced by a
letter  to such  effect  from  each  Rating  Agency).  In the  case of any  such
assignment  and  delegation,  the Master  Servicer  shall be  released  from its
obligations  under this Agreement,  except that the Master Servicer shall remain
liable for all  liabilities  and  obligations  incurred by it as Master Servicer
hereunder  prior to the  satisfaction  of the conditions to such  assignment and
delegation set forth in the next preceding sentence.

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

        Neither  the  Company,  the Master  Servicer  nor any of the  directors,
officers,  employees  or agents of the Company or the Master  Servicer  shall be
under any liability to the Trust Fund or the  Certificateholders  for any action
taken or for refraining  from the taking of any action in good faith pursuant to
this  Agreement,  or for  errors  in  judgment;  provided,  however,  that  this
provision shall not protect the Company,  the Master Servicer or any such Person
against any breach of warranties or representations made herein or any liability
which would otherwise be imposed by reason of willful misfeasance,  bad faith or
gross negligence in the performance of duties or by reason of reckless disregard
of obligations and duties  hereunder.  The Company,  the Master Servicer and any
director,  officer,  employee or agent of the Company or the Master Servicer may
rely in good faith on any document of any kind prima facie properly executed and
submitted by any Person respecting any matters arising  hereunder.  The Company,
the Master Servicer and any director,  officer, employee or agent of the Company
or the Master  Servicer shall be indemnified by the Trust Fund and held harmless
against any loss,  liability or expense  incurred in  connection  with any legal
action  relating to this  Agreement  or the  Certificates,  other than any loss,
liability or expense  related to any specific  Mortgage  Loan or Mortgage  Loans
(except as any such loss,  liability or expense shall be otherwise  reimbursable
pursuant  to this  Agreement)  and any loss,  liability  or expense  incurred by
reason of willful misfeasance,  bad faith or gross negligence in the performance
of duties hereunder or by reason of reckless disregard of obligations and duties
hereunder.

        Neither  the  Company  nor  the  Master  Servicer  shall  be  under  any
obligation to appear in, prosecute or defend any legal or administrative action,
proceeding,  hearing or  examination  that is not  incidental to its  respective
duties  under this  Agreement  and which in its  opinion  may  involve it in any
expense or liability; provided, however, that the Company or the Master Servicer
may  in its  discretion  undertake  any  such  action,  proceeding,  hearing  or
examination that it may deem necessary or desirable in respect to this Agreement
and the  rights  and  duties of the  parties  hereto  and the  interests  of the
Certificateholders  hereunder.  In such event,  the legal  expenses and costs of
such action,  proceeding,  hearing or  examination  and any liability  resulting
therefrom  shall be expenses,  costs and  liabilities of the Trust Fund, and the
Company and the Master Servicer shall be entitled to be reimbursed  therefor out
of amounts  attributable  to the  Mortgage  Loans on  deposit  in the  Custodial
Account as provided by Section 3.10 and, on the Distribution  Date(s)  following
such reimbursement,  the aggregate of such expenses and costs shall be allocated
in reduction of the Accrued Certificate  Interest on each Class entitled thereto
in the same  manner as if such  expenses  and  costs  constituted  a  Prepayment
Interest Shortfall.

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<PAGE>

Section 6.04.  Company and Master Servicer Not to Resign.
               -----------------------------------------

        Subject to the  provisions of Section 6.02,  neither the Company nor the
Master  Servicer shall resign from its respective  obligations and duties hereby
imposed on it except upon  determination that its duties hereunder are no longer
permissible  under  applicable  law.  Any  such  determination   permitting  the
resignation  of the  Company or the Master  Servicer  shall be  evidenced  by an
Opinion of Counsel to such effect delivered to the Trustee.  No such resignation
by the Master  Servicer shall become  effective until the Trustee or a successor
servicer  shall  have  assumed  the  Master  Servicer's   responsibilities   and
obligations in accordance with Section 7.02.

                                       82
<PAGE>

ARTICLE VII

<PAGE>

                                     DEFAULT

Section 7.01.  Events of Default.
               -----------------

        Event of Default,  wherever used herein,  means any one of the following
events  (whatever  reason  for such  Event of  Default  and  whether it shall be
voluntary or  involuntary  or be effected by operation of law or pursuant to any
judgment,  decree or order of any court or any order,  rule or regulation of any
administrative or governmental body):

(i)     the Master  Servicer shall fail to distribute or cause to be distributed
        to the Holders of Certificates of any Class any distribution required to
        be made  under  the  terms of the  Certificates  of such  Class and this
        Agreement and, in either case,  such failure shall  continue  unremedied
        for a period of 5 days after the date upon which written  notice of such
        failure, requiring such failure to be remedied, shall have been given to
        the  Master  Servicer  by the  Trustee  or the  Company or to the Master
        Servicer,  the Company and the Trustee by the Holders of Certificates of
        such Class  evidencing  Percentage  Interests  aggregating not less than
        25%; or

(ii) the Master  Servicer  shall  fail to  observe  or  perform in any  material
     respect any other of the  covenants or agreements on the part of the Master
     Servicer  contained in the  Certificates  of any Class or in this Agreement
     and such failure shall continue  unremedied for a period of 30 days (except
     that such  number of days  shall be 15 in the case of a failure  to pay the
     premium for any Required  Insurance Policy) after the date on which written
     notice of such failure,  requiring the same to be remedied, shall have been
     given to the  Master  Servicer  by the  Trustee or the  Company,  or to the
     Master Servicer, the Company and the Trustee by the Holders of Certificates
     of  any  Class  evidencing,  in the  case  of any  such  Class,  Percentage
     Interests aggregating not less than 25%; or

(iii)   a decree or order of a court or agency or supervisory  authority  having
        jurisdiction in the premises in an involuntary case under any present or
        future  federal  or  state  bankruptcy,  insolvency  or  similar  law or
        appointing a conservator  or receiver or  liquidator in any  insolvency,
        readjustment  of debt,  marshalling of assets and liabilities or similar
        proceedings,  or for the winding-up or liquidation of its affairs, shall
        have been entered  against the Master  Servicer and such decree or order
        shall have remained in force undischarged or unstayed for a period of 60
        days; or

(iv)    the Master Servicer shall consent to the appointment of a conservator or
        receiver  or  liquidator  in  any  insolvency,   readjustment  of  debt,
        marshalling of assets and  liabilities,  or similar  proceedings  of, or
        relating  to,  the  Master  Servicer  or  of,  or  relating  to,  all or
        substantially all of the property of the Master Servicer; or

(v)     the Master  Servicer  shall  admit in writing its  inability  to pay its
        debts  generally as they become due,  file a petition to take  advantage
        of, or commence a voluntary  case under,  any  applicable  insolvency or
        reorganization  statute,  make  an  assignment  for the  benefit  of its
        creditors, or voluntarily suspend payment of its obligations; or

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<PAGE>

(vi)    the Master Servicer shall notify the Trustee pursuant to Section 4.04(b)
        that it is unable to deposit in the Certificate  Account an amount equal
        to the Advance.

        If an Event of  Default  described  in clauses  (i)-(v) of this  Section
shall  occur,  then,  and in each and every such case,  so long as such Event of
Default shall not have been remedied, either the Company or the Trustee may, and
at the  direction  of Holders of  Certificates  entitled  to at least 51% of the
Voting Rights,  the Trustee shall,  by notice in writing to the Master  Servicer
(and to the  Company if given by the  Trustee or to the  Trustee if given by the
Company),  terminate all of the rights and  obligations  of the Master  Servicer
under this Agreement and in and to the Mortgage Loans and the proceeds  thereof,
other than its rights as a Certificateholder  hereunder.  If an Event of Default
described in clause (vi) hereof shall occur, the Trustee shall, by notice to the
Master  Servicer and the Company,  immediately  terminate  all of the rights and
obligations  of the  Master  Servicer  under  this  Agreement  and in and to the
Mortgage  Loans  and  the  proceeds   thereof,   other  than  its  rights  as  a
Certificateholder  hereunder  as  provided in Section  4.04(b).  On or after the
receipt by the Master Servicer of such written  notice,  all authority and power
of the  Master  Servicer  under  this  Agreement,  whether  with  respect to the
Certificates  (other  than  as a  Holder  thereof)  or  the  Mortgage  Loans  or
otherwise, shall subject to Section 7.02 pass to and be vested in the Trustee or
the  Trustee's  designee  appointed  pursuant  to  Section  7.02;  and,  without
limitation,  the  Trustee is hereby  authorized  and  empowered  to execute  and
deliver, on behalf of the Master Servicer, as attorney-in-fact or otherwise, any
and all documents and other instruments,  and to do or accomplish all other acts
or things  necessary  or  appropriate  to effect the  purposes of such notice of
termination,  whether to complete the transfer and  endorsement or assignment of
the Mortgage  Loans and related  documents,  or otherwise.  The Master  Servicer
agrees to cooperate with the Trustee in effecting the  termination of the Master
Servicer's responsibilities and rights hereunder, including, without limitation,
the transfer to the Trustee or its designee for administration by it of all cash
amounts  which  shall at the time be credited  to the  Custodial  Account or the
Certificate  Account or  thereafter  be received  with  respect to the  Mortgage
Loans. No such  termination  shall release the Master Servicer for any liability
that it would  otherwise  have  hereunder  for any act or omission  prior to the
effective time of such termination.

        Notwithstanding any termination of the activities of Residential Funding
in its  capacity as Master  Servicer  hereunder,  Residential  Funding  shall be
entitled  to  receive,  out of any late  collection  of a Monthly  Payment  on a
Mortgage  Loan  which  was  due  prior  to the  notice  terminating  Residential
Funding's rights and obligations as Master Servicer hereunder and received after
such notice,  that portion to which Residential Funding would have been entitled
pursuant to Sections 3.10(a)(ii), (vi) and (vii) as well as its Servicing Fee in
respect thereof,  and any other amounts payable to Residential Funding hereunder
the  entitlement  to which  arose  prior to the  termination  of its  activities
hereunder.  Upon the  termination  of  Residential  Funding  as Master  Servicer
hereunder the Company shall deliver to the Trustee a copy of the Program Guide.

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Section 7.02.  Trustee or Company to Act; Appointment of Successor.
               ----------------------------------------------------

(a) On and after the time the Master  Servicer  receives a notice of termination
pursuant to Section 7.01 or resigns in accordance with Section 6.04, the Trustee
or, upon notice to the Company and with the Company's  consent  (which shall not
be unreasonably withheld) a designee (which meets the standards set forth below)
of the Trustee, shall be the successor in all respects to the Master Servicer in
its capacity as servicer under this Agreement and the  transactions set forth or
provided for herein and shall be subject to all the responsibilities, duties and
liabilities  relating  thereto  placed on the Master  Servicer  (except  for the
responsibilities, duties and liabilities contained in Sections 2.02 and 2.03(a),
excluding  the duty to notify  related  Subservicers  or Sellers as set forth in
such  Sections,  and its  obligations  to  deposit  amounts in respect of losses
incurred  prior to such notice or  termination on the investment of funds in the
Custodial  Account or the Certificate  Account  pursuant to Sections 3.07(c) and
4.01(b) by the terms and provisions hereof); provided, however, that any failure
to  perform  such  duties or  responsibilities  caused by the  preceding  Master
Servicer's failure to provide information  required by Section 4.04 shall not be
considered a default by the Trustee  hereunder.  As compensation  therefor,  the
Trustee shall be entitled to all funds  relating to the Mortgage Loans which the
Master  Servicer would have been entitled to charge to the Custodial  Account or
the  Certificate  Account if the Master  Servicer had continued to act hereunder
and, in addition, shall be entitled to the income from any Permitted Investments
made with  amounts  attributable  to the  Mortgage  Loans held in the  Custodial
Account or the Certificate  Account.  If the Trustee has become the successor to
the Master  Servicer in  accordance  with  Section  6.04 or Section  7.01,  then
notwithstanding  the above, the Trustee may, if it shall be unwilling to so act,
or shall, if it is unable to so act,  appoint,  or petition a court of competent
jurisdiction to appoint,  any established housing and home finance  institution,
which  is  also  a  Fannie  Mae-  or  Freddie  Mac-approved  mortgage  servicing
institution, having a net worth of not less than $10,000,000 as the successor to
the  Master  Servicer  hereunder  in the  assumption  of all or any  part of the
responsibilities,  duties  or  liabilities  of the  Master  Servicer  hereunder.
Pending appointment of a successor to the Master Servicer hereunder, the Trustee
shall become  successor to the Master Servicer and shall act in such capacity as
hereinabove  provided.  In connection with such appointment and assumption,  the
Trustee may make such arrangements for the compensation of such successor out of
payments on  Mortgage  Loans as it and such  successor  shall  agree;  provided,
however,  that no such  compensation  shall be in excess of that  permitted  the
initial Master Servicer hereunder.  The Company,  the Trustee, the Custodian and
such successor shall take such action,  consistent with this Agreement, as shall
be  necessary to  effectuate  any such  succession.  The  Servicing  Fee for any
successor  Master  Servicer  appointed  pursuant  to this  Section  7.02 will be
lowered with respect to those Mortgage Loans, if any, where the Subservicing Fee
accrues at a rate of less than  0.20% per annum in the event that the  successor
Master  Servicer  is  not  servicing  such  Mortgage  Loans  directly  and it is
necessary to raise the related  Subservicing Fee to a rate of 0.20% per annum in
order to hire a Subservicer with respect to such Mortgage Loans.

        (b) In connection  with the  termination  or  resignation  of the Master
Servicer  hereunder,  either (i) the successor  Master  Servicer,  including the
Trustee if the Trustee is acting as successor Master  Servicer,  shall represent
and  warrant  that it is a member of MERS in good  standing  and shall  agree to
comply  in all  material  respects  with the  rules  and  procedures  of MERS in
connection  with the servicing of the Mortgage  Loans that are  registered  with
MERS, in which case the  predecessor  Master  Servicer shall  cooperate with the
successor  Master  Servicer in causing MERS to revise its records to reflect the
transfer of servicing to the successor  Master Servicer as necessary under MERS'
rules and regulations,  or (ii) the predecessor  Master Servicer shall cooperate
with the  successor  Master  Servicer in causing  MERS to execute and deliver an

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<PAGE>

the Trustee and to execute and deliver such other  notices,  documents and other
instruments  as may be  necessary  or  desirable  to effect a  transfer  of such
Mortgage Loan or servicing of such  Mortgage  Loan on the MERS(R)  System to the
successor Master Servicer.  The predecessor  Master Servicer shall file or cause
to be  filed  any such  assignment  in the  appropriate  recording  office.  The
predecessor  Master  Servicer  shall  bear any and all  fees of  MERS,  costs of
preparing  any  assignments  of  Mortgage,  and fees and  costs  of  filing  any
assignments  of Mortgage  that may be required  under this  subsection  (b). The
successor  Master  Servicer  shall cause such  assignment to be delivered to the
Trustee or the Custodian  promptly upon receipt of the original with evidence of
recording  thereon or a copy certified by the public  recording  office in which
such assignment was recorded.

Section 7.03.  Notification to Certificateholders.
               -----------------------------------

(a) Upon any such  termination  or  appointment  of a  successor  to the  Master
Servicer,   the  Trustee  shall  give  prompt  written  notice  thereof  to  the
Certificateholders  at their respective  addresses  appearing in the Certificate
Register.

(b) Within 60 days after the  occurrence  of any Event of  Default,  the Trustee
shall transmit by mail to all Holders of Certificates  notice of each such Event
of Default  hereunder  known to the Trustee,  unless such Event of Default shall
have been cured or waived.

Section 7.04.  Waiver of Events of Default.
               ----------------------------

        The Holders representing at least 66% of the Voting Rights affected by a
default  or Event of  Default  hereunder  may  waive  such  default  or Event of
Default; provided,  however, that (a) a default or Event of Default under clause
(i) of Section  7.01 may be waived  only by all of the  Holders of  Certificates
affected by such default or Event of Default and (b) no waiver  pursuant to this
Section 7.04 shall affect the Holders of Certificates in the manner set forth in
Section  11.01(b)(i)  or (ii).  Upon any such  waiver of a  default  or Event of
Default by the Holders  representing  the requisite  percentage of Voting Rights
affected by such  default or Event of Default,  such default or Event of Default
shall cease to exist and shall be deemed to have been remedied for every purpose
hereunder.  No such waiver shall extend to any  subsequent  or other  default or
Event of  Default or impair any right  consequent  thereon  except to the extent
expressly so waived.

                                       86
<PAGE>

                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE

Section 8.01.  Duties of Trustee.
               -----------------

(a) The Trustee,  prior to the  occurrence  of an Event of Default and after the
curing or waiver of all Events of Default which may have occurred, undertakes to
perform such duties and only such duties as are  specifically  set forth in this
Agreement. In case an Event of Default has occurred (which has not been cured or
waived),  the Trustee shall  exercise such of the rights and powers vested in it
by this  Agreement,  and use the same degree of care and skill in their exercise
as a prudent  investor  would  exercise  or use under the  circumstances  in the
conduct of such investor's own affairs.

(b) The Trustee,  upon  receipt of all  resolutions,  certificates,  statements,
opinions,  reports,  documents,  orders or other  instruments  furnished  to the
Trustee  which  are  specifically  required  to be  furnished  pursuant  to  any
provision  of this  Agreement,  shall  examine  them to  determine  whether they
conform to the  requirements  of this  Agreement.  The Trustee  shall notify the
Certificateholders  of any such documents which do not materially conform to the
requirements  of  this  Agreement  in the  event  that  the  Trustee,  after  so
requesting, does not receive satisfactorily corrected documents.

        The Trustee shall  forward or cause to be forwarded in a timely  fashion
the  notices,  reports and  statements  required to be  forwarded by the Trustee
pursuant to Sections 4.03,  4.06, 7.03 and 10.01. The Trustee shall furnish in a
timely fashion to the Master  Servicer such  information as the Master  Servicer
may reasonably  request from time to time for the Master Servicer to fulfill its
duties as set forth in this Agreement.  The Trustee covenants and agrees that it
shall perform its obligations hereunder in a manner so as to maintain the status
of any portion of any REMIC formed under the Series  Supplement as a REMIC under
the REMIC Provisions and (subject to Section 10.01(f)) to prevent the imposition
of any federal, state or local income,  prohibited transaction,  contribution or
other tax on the Trust  Fund to the  extent  that  maintaining  such  status and
avoiding  such taxes are  reasonably  within the  control of the Trustee and are
reasonably within the scope of its duties under this Agreement.

(c) No  provision  of this  Agreement  shall be construed to relieve the Trustee
from liability for its own negligent action, its own negligent failure to act or
its own willful misconduct; provided, however, that:

(i)  Prior to the  occurrence  of an Event of  Default,  and after the curing or
     waiver of all such Events of Default  which may have  occurred,  the duties
     and  obligations  of the Trustee shall be determined  solely by the express
     provisions  of this  Agreement,  the Trustee shall not be liable except for
     the  performance  of such duties and  obligations as are  specifically  set
     forth in this Agreement,  no implied covenants or obligations shall be read
     into this Agreement against the Trustee and, in the absence of bad faith on
     the part of the Trustee, the Trustee may conclusively rely, as to the truth
     of the statements and the  correctness of the opinions  expressed  therein,
     upon any  certificates or opinions  furnished to the Trustee by the Company
     or the Master  Servicer  and which on their  face,  do not  contradict  the
     requirements of this Agreement;

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<PAGE>

(ii)    The Trustee shall not be personally liable for an error of judgment made
        in good faith by a Responsible  Officer or  Responsible  Officers of the
        Trustee,  unless it shall be proved that the Trustee  was  negligent  in
        ascertaining the pertinent facts;

(iii)   The Trustee  shall not be  personally  liable with respect to any action
        taken, suffered or omitted to be taken by it in good faith in accordance
        with  the   direction  of   Certificateholders   of  any  Class  holding
        Certificates  which  evidence,  as to such Class,  Percentage  Interests
        aggregating  not  less  than 25% as to the  time,  method  and  place of
        conducting any proceeding  for any remedy  available to the Trustee,  or
        exercising  any trust or power  conferred  upon the Trustee,  under this
        Agreement;

(iv)    The Trustee  shall not be charged with  knowledge of any default  (other
        than a default in payment to the  Trustee)  specified in clauses (i) and
        (ii) of Section 7.01 or an Event of Default  under clauses  (iii),  (iv)
        and (v) of Section  7.01  unless a  Responsible  Officer of the  Trustee
        assigned to and working in the  Corporate  Trust Office  obtains  actual
        knowledge  of such  failure  or event or the  Trustee  receives  written
        notice of such failure or event at its  Corporate  Trust Office from the
        Master Servicer, the Company or any Certificateholder; and

(v)     Except to the extent  provided in Section  7.02,  no  provision  in this
        Agreement  shall  require  the  Trustee  to expend or risk its own funds
        (including,  without limitation, the making of any Advance) or otherwise
        incur any personal financial  liability in the performance of any of its
        duties as Trustee hereunder,  or in the exercise of any of its rights or
        powers, if the Trustee shall have reasonable  grounds for believing that
        repayment of funds or adequate  indemnity against such risk or liability
        is not reasonably assured to it.

(d) The Trustee shall timely pay, from its own funds,  the amount of any and all
federal,  state and local  taxes  imposed  on the  Trust  Fund or its  assets or
transactions including, without limitation, (A) "prohibited transaction" penalty
taxes as defined in Section 860F of the Code,  if, when and as the same shall be
due and payable,  (B) any tax on contributions to a REMIC after the Closing Date
imposed  by  Section  860G(d)  of the Code and (C) any tax on "net  income  from
foreclosure  property"  as defined in Section  860G(c) of the Code,  but only if
such taxes  arise out of a breach by the Trustee of its  obligations  hereunder,
which breach constitutes negligence or willful misconduct of the Trustee.

Section 8.02.  Certain Matters Affecting the Trustee.

(a)     Except as otherwise provided in Section 8.01:

(i)     The Trustee may rely and shall be protected in acting or refraining from
        acting  upon  any  resolution,  Officers'  Certificate,  certificate  of
        auditors  or any  other  certificate,  statement,  instrument,  opinion,
        report, notice, request,  consent, order, appraisal, bond or other paper
        or  document  believed  by it to be genuine  and to have been  signed or
        presented by the proper party or parties;

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<PAGE>

(ii) The Trustee may consult  with  counsel and any Opinion of Counsel  shall be
     full and complete  authorization  and  protection  in respect of any action
     taken  or  suffered  or  omitted  by it  hereunder  in  good  faith  and in
     accordance with such Opinion of Counsel;

(iii)The Trustee  shall be under no  obligation to exercise any of the trusts or
     powers vested in it by this  Agreement or to  institute,  conduct or defend
     any  litigation  hereunder or in relation  hereto at the request,  order or
     direction of any of the  Certificateholders,  pursuant to the provisions of
     this Agreement,  unless such  Certificateholders  shall have offered to the
     Trustee  reasonable  security or indemnity against the costs,  expenses and
     liabilities  which may be incurred  therein or thereby;  nothing  contained
     herein  shall,  however,  relieve the Trustee of the  obligation,  upon the
     occurrence of an Event of Default (which has not been cured or waived),  to
     exercise such of the rights and powers vested in it by this Agreement,  and
     to use the same  degree  of care and skill in their  exercise  as a prudent
     investor  would exercise or use under the  circumstances  in the conduct of
     such investor's own affairs;

(iv) The Trustee shall not be personally  liable for any action taken,  suffered
     or omitted  by it in good  faith and  believed  by it to be  authorized  or
     within  the  discretion  or  rights  or  powers  conferred  upon it by this
     Agreement;

(v)  Prior to the  occurrence  of an Event of  Default  hereunder  and after the
     curing or waiver of all  Events of  Default  which may have  occurred,  the
     Trustee  shall  not be bound to make any  investigation  into the  facts or
     matters  stated  in any  resolution,  certificate,  statement,  instrument,
     opinion,  report, notice, request,  consent, order, approval, bond or other
     paper or  document,  unless  requested  in  writing  so to do by Holders of
     Certificates  of  any  Class  evidencing,  as  to  such  Class,  Percentage
     Interests,  aggregating not less than 50%; provided,  however,  that if the
     payment within a reasonable  time to the Trustee of the costs,  expenses or
     liabilities likely to be incurred by it in the making of such investigation
     is, in the opinion of the Trustee, not reasonably assured to the Trustee by
     the security afforded to it by the terms of this Agreement, the Trustee may
     require  reasonable  indemnity  against  such  expense  or  liability  as a
     condition  to  so  proceeding.   The  reasonable   expense  of  every  such
     examination  shall be paid by the Master  Servicer,  if an Event of Default
     shall   have   occurred   and  is   continuing,   and   otherwise   by  the
     Certificateholder requesting the investigation;

(vi)    The Trustee may execute any of the trusts or powers hereunder or perform
        any  duties  hereunder  either  directly  or by  or  through  agents  or
        attorneys; and

(vii)To the extent  authorized  under the Code and the  regulations  promulgated
     thereunder,  each  Holder  of a  Class  R  Certificate  hereby  irrevocably
     appoints and authorizes the Trustee to be its attorney-in-fact for purposes
     of  signing  any Tax  Returns  required  to be filed on behalf of the Trust
     Fund. The Trustee shall sign on behalf of the Trust Fund and deliver to the
     Master Servicer in a timely manner any Tax Returns prepared by or on behalf
     of the Master  Servicer  that the Trustee is required to sign as determined
     by the Master Servicer pursuant to applicable  federal,  state or local tax
     laws,  provided that the Master  Servicer  shall  indemnify the Trustee for
     signing any such Tax Returns that contain errors or omissions.

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<PAGE>

(b) Following the issuance of the Certificates, the Trustee shall not accept any
contribution of assets to the Trust Fund unless (subject to Section 10.01(f)) it
shall have obtained or been  furnished  with an Opinion of Counsel to the effect
that such  contribution will not (i) cause any portion of any REMIC formed under
the  Series  Supplement  to fail to  qualify  as a REMIC  at any  time  that any
Certificates  are  outstanding or (ii) cause the Trust Fund to be subject to any
federal tax as a result of such  contribution  (including  the imposition of any
federal tax on "prohibited  transactions"  imposed under Section  860F(a) of the
Code).

Section 8.03.  Trustee Not Liable for Certificates or Mortgage Loans.

        The recitals  contained herein and in the  Certificates  (other than the
execution of the  Certificates and relating to the acceptance and receipt of the
Mortgage  Loans) shall be taken as the  statements  of the Company or the Master
Servicer as the case may be, and the Trustee assumes no responsibility for their
correctness.  The  Trustee  makes  no  representations  as to  the  validity  or
sufficiency  of  this  Agreement  or  of  the  Certificates   (except  that  the
Certificates  shall be duly and  validly  executed  and  authenticated  by it as
Certificate  Registrar) or of any Mortgage Loan or related document,  or of MERS
or the MERS(R) System.  Except as otherwise  provided herein,  the Trustee shall
not be  accountable  for the use or  application  by the  Company  or the Master
Servicer of any of the Certificates or of the proceeds of such Certificates,  or
for the use or  application  of any  funds  paid to the  Company  or the  Master
Servicer in respect of the Mortgage  Loans or deposited in or withdrawn from the
Custodial  Account  or the  Certificate  Account  by the  Company  or the Master
Servicer.

Section 8.04.  Trustee May Own Certificates.

        The Trustee in its individual or any other capacity may become the owner
or pledgee  of  Certificates  with the same  rights it would have if it were not
Trustee.

Section 8.05.  Master Servicer to Pay Trustee's Fees
                      and Expenses; Indemnification.

(a) The  Master  Servicer  covenants  and agrees to pay to the  Trustee  and any
co-trustee  from  time to time,  and the  Trustee  and any  co-trustee  shall be
entitled  to,  reasonable  compensation  (which  shall  not  be  limited  by any
provision of law in regard to the compensation of a trustee of an express trust)
for all services  rendered by each of them in the execution of the trusts hereby
created  and in the  exercise  and  performance  of any of the powers and duties
hereunder of the Trustee and any co-trustee, and the Master Servicer will pay or
reimburse  the  Trustee  and any  co-trustee  upon  request  for all  reasonable
expenses,  disbursements  and  advances  incurred  or made by the Trustee or any
co-trustee in accordance with any of the provisions of this Agreement (including
the reasonable  compensation  and the expenses and  disbursements of its counsel
and of all persons not regularly in its employ, and the expenses incurred by the
Trustee or any  co-trustee in connection  with the  appointment  of an office or
agency  pursuant  to Section  8.12)  except any such  expense,  disbursement  or
advance as may arise from its negligence or bad faith.

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<PAGE>

(b) The Master  Servicer  agrees to  indemnify  the Trustee for, and to hold the
Trustee  harmless  against,  any loss,  liability  or expense  incurred  without
negligence or willful  misconduct on the Trustee's  part,  arising out of, or in
connection with, the acceptance and administration of the Trust Fund,  including
the costs  and  expenses  (including  reasonable  legal  fees and  expenses)  of
defending   itself  against  any  claim  in  connection  with  the  exercise  or
performance  of any of its  powers  or  duties  under  this  Agreement  and  the
Custodial Agreement, provided that:

(i)     with respect to any such claim,  the Trustee shall have given the Master
        Servicer  written notice  thereof  promptly after the Trustee shall have
        actual knowledge thereof;

(ii)    while  maintaining  control  over its own  defense,  the  Trustee  shall
        cooperate and consult fully with the Master  Servicer in preparing  such
        defense; and

(iii)   notwithstanding  anything in this Agreement to the contrary,  the Master
        Servicer  shall not be liable for settlement of any claim by the Trustee
        entered  into  without the prior  consent of the Master  Servicer  which
        consent shall not be unreasonably withheld.

No termination of this Agreement  shall affect the  obligations  created by this
Section  8.05(b) of the Master  Servicer  to  indemnify  the  Trustee  under the
conditions and to the extent set forth herein.

        Notwithstanding  the  foregoing,  the  indemnification  provided  by the
Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability
or expense of the Trustee,  including the costs and expenses of defending itself
against any claim,  incurred in connection with any actions taken by the Trustee
at the  direction  of the  Certificateholders  pursuant  to the  terms  of  this
Agreement.

Section 8.06.  Eligibility Requirements for Trustee.
               ------------------------------------

        The Trustee  hereunder shall at all times be a corporation or a national
banking  association  having its principal office in a state and city acceptable
to the Company and organized and doing  business under the laws of such state or
the United States of America,  authorized under such laws to exercise  corporate
trust powers,  having a combined capital and surplus of at least $50,000,000 and
subject to supervision or  examination  by federal or state  authority.  If such
corporation or national banking  association  publishes  reports of condition at
least  annually,  pursuant  to  law  or to the  requirements  of  the  aforesaid
supervising  or examining  authority,  then for the purposes of this Section the
combined  capital  and  surplus  of such  corporation  shall be deemed to be its
combined capital and surplus as set forth in its most recent report of condition
so  published.  In case at any time the  Trustee  shall  cease to be eligible in
accordance  with the  provisions  of this  Section,  the  Trustee  shall  resign
immediately in the manner and with the effect specified in Section 8.07.

Section 8.07.  Resignation and Removal of the Trustee.
               --------------------------------------

(a) The Trustee may at any time resign and be discharged  from the trusts hereby
created by giving  written  notice  thereof to the Company.  Upon receiving such
notice of resignation, the Company shall promptly appoint a successor trustee by

                                       91
<PAGE>

written  instrument,  in  duplicate,  one  copy of  which  instrument  shall  be
delivered to the resigning Trustee and one copy to the successor trustee.  If no
successor  trustee shall have been so appointed  and have  accepted  appointment
within 30 days after the giving of such  notice of  resignation,  the  resigning
Trustee may petition any court of competent  jurisdiction for the appointment of
a successor trustee.

(b) If at any time the Trustee shall cease to be eligible in accordance with the
provisions  of  Section  8.06 and shall  fail to resign  after  written  request
therefor by the Company, or if at any time the Trustee shall become incapable of
acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee
or of its property  shall be appointed,  or any public officer shall take charge
or  control of the  Trustee or of its  property  or affairs  for the  purpose of
rehabilitation,  conservation  or  liquidation,  then the Company may remove the
Trustee and appoint a successor trustee by written instrument, in duplicate, one
copy of which  instrument  shall be  delivered to the Trustee so removed and one
copy to the  successor  trustee.  In  addition,  in the event  that the  Company
determines  that  the  Trustee  has  failed  (i) to  distribute  or  cause to be
distributed  to the  Certificateholders  any amount  required to be  distributed
hereunder, if such amount is held by the Trustee or its Paying Agent (other than
the Master  Servicer  or the  Company)  for  distribution  or (ii) to  otherwise
observe or perform in any material  respect any of its covenants,  agreements or
obligations  hereunder,  and such failure shall continue unremedied for a period
of 5 days (in respect of clause (i) above) or 30 days (in respect of clause (ii)
above) after the date on which written  notice of such failure,  requiring  that
the same be remedied,  shall have been given to the Trustee by the Company, then
the Company  may remove the  Trustee and appoint a successor  trustee by written
instrument  delivered as provided in the preceding sentence.  In connection with
the appointment of a successor trustee pursuant to the preceding  sentence,  the
Company  shall,  on or  before  the date on which any such  appointment  becomes
effective,  obtain  from  each  Rating  Agency  written  confirmation  that  the
appointment  of any such  successor  trustee will not result in the reduction of
the  ratings  on any  class of the  Certificates  below  the  lesser of the then
current or original ratings on such Certificates.

(c) The Holders of  Certificates  entitled to at least 51% of the Voting  Rights
may at any time remove the  Trustee  and appoint a successor  trustee by written
instrument  or  instruments,  in  triplicate,  signed by such  Holders  or their
attorneys-in-fact  duly authorized,  one complete set of which instruments shall
be delivered to the Company,  one complete set to the Trustee so removed and one
complete set to the successor so appointed.

(d) Any  resignation  or removal of the Trustee and  appointment  of a successor
trustee pursuant to any of the provisions of this Section shall become effective
upon  acceptance of appointment by the successor  trustee as provided in Section
8.08.

Section 8.08.  Successor Trustee.
               -----------------

(a) Any successor  trustee  appointed as provided in Section 8.07 shall execute,
acknowledge  and  deliver  to the  Company  and to its  predecessor  trustee  an
instrument accepting such appointment  hereunder,  and thereupon the resignation
or removal of the predecessor  trustee shall become effective and such successor
trustee shall become effective and such successor  trustee,  without any further
act, deed or conveyance,  shall become fully vested with all the rights, powers,

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duties and obligations of its predecessor hereunder,  with the like effect as if
originally named as trustee herein. The predecessor trustee shall deliver to the
successor  trustee all Mortgage Files and related  documents and statements held
by it hereunder  (other than any Mortgage Files at the time held by a Custodian,
which  shall  become  the agent of any  successor  trustee  hereunder),  and the
Company,  the Master  Servicer and the  predecessor  trustee  shall  execute and
deliver such  instruments and do such other things as may reasonably be required
for more fully and certainly vesting and confirming in the successor trustee all
such rights, powers, duties and obligations.

(b) No successor  trustee shall accept  appointment  as provided in this Section
unless at the time of such acceptance  such successor  trustee shall be eligible
under the provisions of Section 8.06.

(c) Upon  acceptance of appointment  by a successor  trustee as provided in this
Section,  the  Company  shall  mail  notice of the  succession  of such  trustee
hereunder  to all Holders of  Certificates  at their  addresses  as shown in the
Certificate  Register.  If the Company  fails to mail such notice within 10 days
after acceptance of appointment by the successor trustee,  the successor trustee
shall cause such notice to be mailed at the expense of the Company.

Section 8.09.  Merger or Consolidation of Trustee.
               ----------------------------------

        Any corporation or national  banking  association into which the Trustee
may be  merged  or  converted  or  with  which  it may  be  consolidated  or any
corporation  or  national  banking   association   resulting  from  any  merger,
conversion  or  consolidation  to which  the  Trustee  shall be a party,  or any
corporation or national  banking  association  succeeding to the business of the
Trustee,  shall  be  the  successor  of the  Trustee  hereunder,  provided  such
corporation  or  national  banking  association  shall  be  eligible  under  the
provisions of Section 8.06,  without the execution or filing of any paper or any
further act on the part of any of the  parties  hereto,  anything  herein to the
contrary  notwithstanding.  The Trustee  shall mail notice of any such merger or
consolidation  to the  Certificateholders  at  their  address  as  shown  in the
Certificate Register.

Section 8.10.  Appointment of Co-Trustee or Separate Trustee.
               ---------------------------------------------

(a) Notwithstanding any other provisions hereof, at any time, for the purpose of
meeting  any legal  requirements  of any  jurisdiction  in which any part of the
Trust Fund or property securing the same may at the time be located,  the Master
Servicer and the Trustee  acting  jointly shall have the power and shall execute
and  deliver all  instruments  to appoint  one or more  Persons  approved by the
Trustee to act as  co-trustee  or  co-trustees,  jointly  with the  Trustee,  or
separate trustee or separate trustees, of all or any part of the Trust Fund, and
to vest in such Person or  Persons,  in such  capacity,  such title to the Trust
Fund, or any part thereof,  and, subject to the other provisions of this Section
8.10, such powers, duties, obligations, rights and trusts as the Master Servicer
and the Trustee may consider  necessary  or  desirable.  If the Master  Servicer
shall not have joined in such appointment within 15 days after the receipt by it
of a request so to do, or in case an Event of Default shall have occurred and be
continuing, the Trustee alone shall have the power to make such appointment.  No
co-trustee or separate trustee  hereunder shall be required to meet the terms of
eligibility as a successor trustee under Section 8.06 hereunder and no notice to
Holders  of  Certificates  of  the  appointment  of  co-trustee(s)  or  separate
trustee(s) shall be required under Section 8.08 hereof.

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<PAGE>

(b) In the case of any appointment of a co-trustee or separate  trustee pursuant
to this Section 8.10 all rights,  powers,  duties and  obligations  conferred or
imposed upon the Trustee  shall be  conferred  or imposed upon and  exercised or
performed by the  Trustee,  and such  separate  trustee or  co-trustee  jointly,
except  to the  extent  that  under  any law of any  jurisdiction  in which  any
particular act or acts are to be performed  (whether as Trustee  hereunder or as
successor to the Master Servicer hereunder), the Trustee shall be incompetent or
unqualified  to perform such act or acts,  in which event such  rights,  powers,
duties and obligations  (including the holding of title to the Trust Fund or any
portion  thereof in any such  jurisdiction)  shall be exercised and performed by
such separate trustee or co-trustee at the direction of the Trustee.

(c) Any notice, request or other writing given to the Trustee shall be deemed to
have  been  given to each of the then  separate  trustees  and  co-trustees,  as
effectively  as if  given  to each of  them.  Every  instrument  appointing  any
separate  trustee or co-trustee shall refer to this Agreement and the conditions
of this Article VIII. Each separate trustee and co-trustee,  upon its acceptance
of the trusts conferred,  shall be vested with the estates or property specified
in its instrument of appointment, either jointly with the Trustee or separately,
as may be provided  therein,  subject to all the  provisions of this  Agreement,
specifically including every provision of this Agreement relating to the conduct
of, affecting the liability of, or affording  protection to, the Trustee.  Every
such instrument shall be filed with the Trustee.

(d) Any separate trustee or co-trustee may, at any time, constitute the Trustee,
its agent or attorney-in-fact,  with full power and authority, to the extent not
prohibited by law, to do any lawful act under or in respect of this Agreement on
its behalf and in its name.  If any separate  trustee or  co-trustee  shall die,
become  incapable  of  acting,  resign  or  be  removed,  all  of  its  estates,
properties,  rights,  remedies  and trusts shall vest in and be exercised by the
Trustee,  to the extent  permitted by law,  without the  appointment of a new or
successor trustee.

Section 8.11.  Appointment of Custodians.
               -------------------------

        The  Trustee  may,  with the  consent  of the  Master  Servicer  and the
Company,  appoint one or more  Custodians who are not Affiliates of the Company,
the Master Servicer or any Seller to hold all or a portion of the Mortgage Files
as agent for the Trustee,  by entering  into a Custodial  Agreement.  Subject to
Article  VIII,  the Trustee  agrees to comply  with the terms of each  Custodial
Agreement and to enforce the terms and provisions  thereof against the Custodian
for the benefit of the Certificateholders.  Each Custodian shall be a depository
institution  subject to supervision by federal or state authority,  shall have a
combined  capital and surplus of at least  $15,000,000 and shall be qualified to
do  business  in the  jurisdiction  in which it holds any  Mortgage  File.  Each
Custodial  Agreement  may be amended  only as  provided  in Section  11.01.  The
Trustee shall notify the  Certificateholders of the appointment of any Custodian
(other than the  Custodian  appointed as of the Closing  Date)  pursuant to this
Section 8.11.

Section 8.12.  Appointment of Office or Agency.
               -------------------------------

        The Trustee will maintain an office or agency in the City of New York at
the  address  designated  in  Section  11.05  of  the  Series  Supplement  where

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Certificates  may be surrendered for  registration of transfer or exchange.  The
Trustee will  maintain an office at the address  stated in Section  11.05 of the
Series Supplement where notices and demands to or upon the Trustee in respect of
this Agreement may be served.

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<PAGE>

                                   ARTICLE IX

              TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES

Section 9.01.  Optional  Purchase by the Master  Servicer  of All  Certificates;
     Termination  Upon  Purchase by the Master  Servicer or  Liquidation  of All
     Mortgage Loans

(a) Subject to Section 9.02, the respective  obligations and responsibilities of
the Company,  the Master  Servicer and the Trustee  created hereby in respect of
the  Certificates  (other than the  obligation  of the  Trustee to make  certain
payments  after  the  Final  Distribution  Date  to  Certificateholders  and the
obligation  of the Company to send  certain  notices as  hereinafter  set forth)
shall  terminate upon the last action required to be taken by the Trustee on the
Final Distribution Date pursuant to this Article IX following the earlier of:

(i)  the later of the final  payment or other  liquidation  (or any Advance with
     respect  thereto) of the last Mortgage Loan  remaining in the Trust Fund or
     the disposition of all property  acquired upon  foreclosure or deed in lieu
     of foreclosure of any Mortgage Loan, or

(ii) the purchase by the Master  Servicer of all Mortgage Loans and all property
     acquired in respect of any Mortgage  Loan  remaining in the Trust Fund at a
     price equal to 100% of the unpaid  principal  balance of each Mortgage Loan
     or, if less than such unpaid  principal  balance,  the fair market value of
     the related  underlying  property  of such  Mortgage  Loan with  respect to
     Mortgage  Loans as to which  title has been  acquired  if such fair  market
     value is less than such unpaid  principal  balance (net of any unreimbursed
     Advances  attributable  to principal) on the day of repurchase plus accrued
     interest thereon at the Net Mortgage Rate (or Modified Net Mortgage Rate in
     the case of any Modified  Mortgage Loan) to, but not  including,  the first
     day of the month in which such repurchase  price is distributed,  provided,
     however,  that in no event shall the trust created hereby  continue  beyond
     the  expiration  of 21 years  from the  death of the last  survivor  of the
     descendants of Joseph P. Kennedy,  the late ambassador of the United States
     to the Court of St. James,  living on the date hereof and provided  further
     that the purchase price set forth above shall be increased as is necessary,
     as  determined by the Master  Servicer,  to avoid  disqualification  of any
     portion of any REMIC formed under the Series Supplement as a REMIC.

        The right of the Master Servicer to purchase all the assets of the Trust
Fund pursuant to clause (ii) above is conditioned upon the Pool Stated Principal
Balance  as  of  the  Final   Distribution  Date,  prior  to  giving  effect  to
distributions to be made on such Distribution  Date, being less than ten percent
of the Cut-off Date Principal Balance of the Mortgage Loans.

        If such right is exercised by the Master  Servicer,  the Master Servicer
shall be deemed to have been reimbursed for the full amount of any  unreimbursed
Advances theretofore made by it with respect to the Mortgage Loans. In addition,
the Master Servicer shall provide to the Trustee the  certification  required by
Section 3.15 and the Trustee and any Custodian shall, promptly following payment
of the  purchase  price,  release  to the Master  Servicer  the  Mortgage  Files
pertaining to the Mortgage Loans being purchased.

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<PAGE>

        In addition to the foregoing, on any Distribution Date on which the Pool
Stated Principal Balance,  prior to giving effect to distributions to be made on
such  Distribution  Date, is less than ten percent of the Cut-off Date Principal
Balance of the Mortgage Loans,  the Master Servicer shall have the right, at its
option, to purchase the Certificates in whole, but not in part, at a price equal
to the outstanding  Certificate  Principal Balance of such Certificates plus the
sum of Accrued  Certificate  Interest  thereon for the related  Interest Accrual
Period and any previously  unpaid Accrued  Certificate  Interest.  If the Master
Servicer  exercises  this right to purchase the  outstanding  Certificates,  the
Master  Servicer  will  promptly   terminate  the  respective   obligations  and
responsibilities  created hereby in respect of the Certificates pursuant to this
Article IX.

(b) The Master  Servicer  shall give the  Trustee  not less than 60 days'  prior
notice of the  Distribution  Date on which the Master Servicer  anticipates that
the final distribution will be made to  Certificateholders  (whether as a result
of the  exercise by the Master  Servicer of its right to purchase  the assets of
the Trust Fund or otherwise) or on which the Master  Servicer  anticipates  that
the  Certificates  will be purchased  (as a result of the exercise by the Master
Servicer to purchase the  outstanding  Certificates).  Notice of any termination
specifying the anticipated  Final  Distribution Date (which shall be a date that
would otherwise be a Distribution  Date) upon which the  Certificateholders  may
surrender their Certificates to the Trustee (if so required by the terms hereof)
for payment of the final distribution and cancellation or notice of any purchase
of the outstanding Certificates, specifying the Distribution Date upon which the
Holders may surrender their  Certificates  to the Trustee for payment,  shall be
given promptly by the Master Servicer (if it is exercising its right to purchase
the assets of the Trust Fund or to purchase the outstanding Certificates), or by
the Trustee (in any other case) by letter to the  Certificateholders  mailed not
earlier  than the 15th day and not  later  than the 25th day of the  month  next
preceding the month of such final distribution specifying:

(i)     the anticipated Final  Distribution Date upon which final payment of the
        Certificates is anticipated to be made upon  presentation  and surrender
        of  Certificates  at  the  office  or  agency  of  the  Trustee  therein
        designated where required  pursuant to this Agreement or, in the case of
        the purchase by the Master Servicer of the outstanding Certificates, the
        Distribution Date on which such purchase is to be made,

(ii)    the amount of any such final payment,  or in the case of the purchase of
        the  outstanding  Certificates,  the purchase  price, in either case, if
        known, and

(iii)   that the Record Date otherwise  applicable to such  Distribution Date is
        not applicable,  and in the case of the Senior  Certificates,  or in the
        case of all of the  Certificates  in connection with the exercise by the
        Master Servicer of its right to purchase the Certificates,  that payment
        will be made only upon presentation and surrender of the Certificates at
        the office or agency of the Trustee therein specified.

If the Master  Servicer is  obligated  to give notice to  Certificateholders  as
aforesaid,  it shall give such notice to the  Certificate  Registrar at the time
such  notice is given to  Certificateholders  and,  if the  Master  Servicer  is
exercising its rights to purchase the  outstanding  Certificates,  it shall give
such  notice  to each  Rating  Agency  at the  time  such  notice  is  given  to

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<PAGE>

Certificateholders.  As a result of the  exercise by the Master  Servicer of its
right to  purchase  the  assets of the Trust  Fund,  the Master  Servicer  shall
deposit  in the  Certificate  Account,  before  the Final  Distribution  Date in
immediately available funds an amount equal to the purchase price for the assets
of the Trust Fund,  computed as provided  above.  As a result of the exercise by
the Master Servicer of its right to purchase the outstanding  Certificates,  the
Master Servicer shall deposit in an Eligible Account,  established by the Master
Servicer on behalf of the Trustee and separate from the  Certificate  Account in
the name of the Trustee in trust for the registered holders of the Certificates,
before the  Distribution  Date on which such purchase is to occur in immediately
available  funds an amount  equal to the  purchase  price for the  Certificates,
computed as above  provided,  and provide notice of such deposit to the Trustee.
The Trustee will withdraw  from such account the amount  specified in subsection
(c) below.

(c) In the case of the Senior  Certificates,  upon presentation and surrender of
the Certificates by the Certificateholders thereof, and in the case of the Class
M and Class B Certificates,  upon presentation and surrender of the Certificates
by the Certificateholders  thereof in connection with the exercise by the Master
Servicer of its right to purchase the Certificates,  and otherwise in accordance
with Section 4.01(a), the Trustee shall distribute to the Certificateholders (i)
the  amount  otherwise  distributable  on  such  Distribution  Date,  if  not in
connection with the Master  Servicer's  election to repurchase the assets of the
Trust  Fund or the  outstanding  Certificates,  or (ii) if the  Master  Servicer
elected  to so  repurchase  the  assets  of the  Trust  Fund or the  outstanding
Certificates,  an  amount  determined  as  follows:  (A)  with  respect  to each
Certificate the outstanding  Certificate Principal Balance thereof, plus Accrued
Certificate  Interest for the related  Interest  Accrual  Period thereon and any
previously  unpaid  Accrued  Certificate  Interest,  subject to the priority set
forth in Section 4.02(a), and (B) with respect to the Class R Certificates,  any
excess of the amounts available for distribution (including the repurchase price
specified  in clause  (ii) of  subsection  (a) of this  Section)  over the total
amount distributed under the immediately  preceding clause (A).  Notwithstanding
the reduction of the Certificate  Principal  Balance of any Class of Subordinate
Certificates  to zero,  such  Class  will be  outstanding  hereunder  until  the
termination of the respective  obligations and  responsibilities of the Company,
the Master Servicer and the Trustee hereunder in accordance with Article IX.

(d) If any  Certificateholders  shall not surrender their Certificates for final
payment  and  cancellation  on or  before  the  Final  Distribution  Date (if so
required by the terms hereof), the Trustee shall on such date cause all funds in
the   Certificate   Account   not   distributed   in   final   distribution   to
Certificateholders  to be  withdrawn  therefrom  and  credited to the  remaining
Certificateholders by depositing such funds in a separate escrow account for the
benefit of such Certificateholders, and the Master Servicer (if it exercised its
right to purchase  the assets of the Trust  Fund),  or the Trustee (in any other
case) shall give a second written notice to the remaining  Certificateholders to
surrender their Certificates for cancellation and receive the final distribution
with  respect  thereto.  If within  six  months  after  the  second  notice  any
Certificate shall not have been surrendered for cancellation,  the Trustee shall
take  appropriate  steps as  directed  by the Master  Servicer  to  contact  the
remaining  Certificateholders  concerning  surrender of their Certificates.  The
costs  and  expenses  of  maintaining  the  escrow  account  and  of  contacting
Certificateholders  shall be paid out of the assets  which  remain in the escrow
account.  If within nine months after the second notice any  Certificates  shall

                                       98
<PAGE>

not have been surrendered for cancellation,  the Trustee shall pay to the Master
Servicer  all  amounts  distributable  to the  holders  thereof  and the  Master
Servicer shall  thereafter hold such amounts until  distributed to such Holders.
No interest  shall accrue or be payable to any  Certificateholder  on any amount
held in the  escrow  account  or by the  Master  Servicer  as a  result  of such
Certificateholder's  failure to surrender its  Certificate(s)  for final payment
thereof in accordance with this Section 9.01.

(e) If any  Certificateholders  do not surrender their Certificates on or before
the Distribution Date on which a purchase of the outstanding  Certificates is to
be made,  the  Trustee  shall on such date  cause  all funds in the  Certificate
Account  deposited therein by the Master Servicer pursuant to Section 9.01(b) to
be  withdrawn  therefrom  and  deposited  in a separate  escrow  account for the
benefit of such Certificateholders,  and the Master Servicer shall give a second
written notice to such  Certificateholders  to surrender their  Certificates for
payment of the purchase  price  therefor.  If within six months after the second
notice any Certificate  shall not have been  surrendered for  cancellation,  the
Trustee  shall take  appropriate  steps as  directed  by the Master  Servicer to
contact  the  Holders  of  such  Certificates   concerning  surrender  of  their
Certificates.  The costs and expenses of  maintaining  the escrow account and of
contacting  Certificateholders  shall be paid out of the assets  which remain in
the  escrow  account.  If  within  nine  months  after  the  second  notice  any
Certificates shall not have been surrendered for cancellation in accordance with
this  Section  9.01,  the Trustee  shall pay to the Master  Servicer all amounts
distributable  to the Holders thereof and the Master  Servicer shall  thereafter
hold such amounts until distributed to such Holders. No interest shall accrue or
be payable to any  Certificateholder on any amount held in the escrow account or
by the  Master  Servicer  as a result  of such  Certificateholder's  failure  to
surrender its  Certificate(s)  for payment in accordance with this Section 9.01.
Any  Certificate  that is not  surrendered on the  Distribution  Date on which a
purchase  pursuant to this Section 9.01 occurs as provided  above will be deemed
to have been  purchased  and the Holder as of such date will have no rights with
respect  thereto  except to receive the purchase  price therefor minus any costs
and expenses  associated with such escrow account and notices allocated thereto.
Any  Certificates  so  purchased  or  deemed  to  have  been  purchased  on such
Distribution Date shall remain  outstanding  hereunder until the Master Servicer
has terminated the respective obligations and responsibilities created hereby in
respect of the  Certificates  pursuant to this  Article IX. The Master  Servicer
shall be for all purposes the Holder thereof as of such date.

Section 9.02.  Additional Termination Requirements.
               -----------------------------------

(a) Each REMIC that  comprises  the Trust Fund shall be terminated in accordance
with the following additional requirements, unless (subject to Section 10.01(f))
the Trustee and the Master  Servicer have received an Opinion of Counsel  (which
Opinion of Counsel  shall not be an expense of the  Trustee)  to the effect that
the failure of each such REMIC to comply with the  requirements  of this Section
9.02 will not (i) result in the  imposition on the Trust of taxes on "prohibited
transactions,"  as described in Section 860F of the Code, or (ii) cause any such
REMIC  to fail to  qualify  as a REMIC  at any  time  that  any  Certificate  is
outstanding:

(i)     The Master Servicer shall establish a 90-day liquidation period for each
        such  REMIC and  specify  the first  day of such  period in a  statement
        attached  to the Trust  Fund's  final Tax Return  pursuant  to  Treasury
        regulations Section 1.860F-1. The Master Servicer also shall satisfy all
        of the requirements of a qualified liquidation for a REMIC under Section
        860F of the Code and regulations thereunder;

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<PAGE>

(ii)    The Master Servicer shall notify the Trustee at the commencement of such
        90-day  liquidation period and, at or prior to the time of making of the
        final payment on the  Certificates,  the Trustee shall sell or otherwise
        dispose of all of the  remaining  assets of the Trust Fund in accordance
        with the terms hereof; and

(iii)   If the  Master  Servicer  or the  Company  is  exercising  its  right to
        purchase the assets of the Trust Fund, the Master Servicer shall, during
        the 90-day  liquidation period and at or prior to the Final Distribution
        Date, purchase all of the assets of the Trust Fund for cash.

(b) Each Holder of a Certificate and the Trustee hereby irrevocably approves and
appoints the Master Servicer as its attorney-in-fact to adopt a plan of complete
liquidation  for each REMIC at the expense of the Trust Fund in accordance  with
the terms and conditions of this Agreement.

Section 9.03.  Termination of Multiple REMICs.
               -------------------------------

        If the REMIC  Administrator  makes two or more separate REMIC elections,
the  applicable   REMIC  shall  be  terminated  on  the  earlier  of  the  Final
Distribution  Date and the date on which it is deemed to receive the last deemed
distributions on the related Uncertificated REMIC Regular Interests and the last
distribution due on the Certificates is made.

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<PAGE>

                                   ARTICLE X

                                REMIC PROVISIONS

Section 10.01. REMIC Administration.

(a) The REMIC  Administrator  shall make an  election to treat the Trust Fund as
one or more REMICs under the Code and, if necessary, under applicable state law.
The assets of each such REMIC will be set forth in the Series  Supplement.  Such
election  will be  made  on  Form  1066  or  other  appropriate  federal  tax or
information return (including Form 8811) or any appropriate state return for the
taxable  year  ending  on the  last  day of  the  calendar  year  in  which  the
Certificates  are issued.  For the purposes of each REMIC election in respect of
the Trust Fund,  Certificates  and  interests to be  designated  as the "regular
interests"  and the sole class of "residual  interests" in the REMIC will be set
forth in Section 10.03 of the Series Supplement. The REMIC Administrator and the
Trustee shall not permit the creation of any "interests"  (within the meaning of
Section  860G of the Code) in any REMIC  elected  in  respect  of the Trust Fund
other than the "regular interests" and "residual interests" so designated.

(b) The Closing Date is hereby designated as the "startup day" of the Trust Fund
within the meaning of Section 860G(a)(9) of the Code.

(c) The REMIC  Administrator  shall hold a Class R  Certificate  representing  a
0.01%  Percentage  Interest each Class of the Class R Certificates  and shall be
designated as "the tax matters  person" with respect to each REMIC in the manner
provided under Treasury regulations section 1.860F-4(d) and Treasury regulations
section 301.6231(a)(7)-1.  The REMIC Administrator, as tax matters person, shall
(i) act on behalf of each REMIC in  relation  to any tax  matter or  controversy
involving the Trust Fund and (ii) represent the Trust Fund in any administrative
or judicial  proceeding  relating to an examination or audit by any governmental
taxing authority with respect  thereto.  The legal expenses,  including  without
limitation attorneys' or accountants' fees, and costs of any such proceeding and
any liability  resulting  therefrom  shall be expenses of the Trust Fund and the
REMIC Administrator  shall be entitled to reimbursement  therefor out of amounts
attributable  to the  Mortgage  Loans on  deposit  in the  Custodial  Account as
provided by Section  3.10 unless such legal  expenses  and costs are incurred by
reason  of the REMIC  Administrator's  willful  misfeasance,  bad faith or gross
negligence.  If  the  REMIC  Administrator  is no  longer  the  Master  Servicer
hereunder,  at its option the REMIC  Administrator  may  continue  its duties as
REMIC  Administrator  and shall be paid  reasonable  compensation  not to exceed
$3,000 per year by any successor Master Servicer  hereunder for so acting as the
REMIC Administrator.

(d) The REMIC Administrator shall prepare or cause to be prepared all of the Tax
Returns  that it  determines  are required  with  respect to each REMIC  created
hereunder and deliver such Tax Returns in a timely manner to the Trustee and the
Trustee shall sign and file such Tax Returns in a timely manner. The expenses of
preparing  such returns  shall be borne by the REMIC  Administrator  without any
right of reimbursement therefor. The REMIC Administrator agrees to indemnify and
hold harmless the Trustee with respect to any tax or liability  arising from the
Trustee's  signing of Tax Returns that contain errors or omissions.  The Trustee
and Master  Servicer shall promptly  provide the REMIC  Administrator  with such
information  as the REMIC  Administrator  may from time to time  request for the
purpose of enabling the REMIC Administrator to prepare Tax Returns.

                                      101
<PAGE>

(e) The REMIC  Administrator  shall  provide (i) to any  Transferor of a Class R
Certificate  such  information  as is necessary for the  application  of any tax
relating  to the  transfer of a Class R  Certificate  to any Person who is not a
Permitted Transferee,  (ii) to the Trustee, and the Trustee shall forward to the
Certificateholders,  such  information or reports as are required by the Code or
the REMIC  Provisions  including  reports  relating to interest,  original issue
discount and market  discount or premium (using the Prepayment  Assumption)  and
(iii) to the Internal  Revenue  Service the name,  title,  address and telephone
number of the person who will serve as the representative of each REMIC.

(f) The Master Servicer and the REMIC  Administrator shall take such actions and
shall cause each REMIC created  hereunder to take such actions as are reasonably
within the Master Servicer's or the REMIC Administrator's  control and the scope
of its  duties  more  specifically  set forth  herein as shall be  necessary  or
desirable  to  maintain  the  status  of each  REMIC as a REMIC  under the REMIC
Provisions  (and the  Trustee  shall  assist the Master  Servicer  and the REMIC
Administrator, to the extent reasonably requested by the Master Servicer and the
REMIC  Administrator to do so). The Master Servicer and the REMIC  Administrator
shall not knowingly or  intentionally  take any action,  cause the Trust Fund to
take any  action  or fail to take (or fail to  cause  to be  taken)  any  action
reasonably within their respective control that, under the REMIC Provisions,  if
taken or not taken,  as the case may be,  could (i)  endanger  the status of any
portion  of any REMIC  formed  under the  Series  Supplement  as a REMIC or (ii)
result in the imposition of a tax upon any such REMIC (including but not limited
to the tax on prohibited  transactions  as defined in Section  860F(a)(2) of the
Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the
Code)  (either  such  event,  in the  absence  of an  Opinion  of Counsel or the
indemnification  referred to in this sentence,  an "Adverse REMIC Event") unless
the Master Servicer or the REMIC Administrator,  as applicable,  has received an
Opinion of Counsel (at the expense of the party  seeking to take such action or,
if such party fails to pay such  expense,  and the Master  Servicer or the REMIC
Administrator, as applicable,  determines that taking such action is in the best
interest  of the Trust Fund and the  Certificateholders,  at the  expense of the
Trust  Fund,  but in no event at the expense of the Master  Servicer,  the REMIC
Administrator  or the Trustee) to the effect that the  contemplated  action will
not,  with respect to each REMIC  created  hereunder,  endanger  such status or,
unless the Master  Servicer,  the REMIC  Administrator  or both, as  applicable,
determine in its or their sole  discretion  to indemnify  the Trust Fund against
the imposition of such a tax,  result in the imposition of such a tax.  Wherever
in this Agreement a  contemplated  action may not be taken because the timing of
such action might result in the  imposition  of a tax on the Trust Fund,  or may
only be taken  pursuant  to an  Opinion of Counsel  that such  action  would not
impose a tax on the Trust Fund,  such action may  nonetheless  be taken provided
that the  indemnity  given in the  preceding  sentence with respect to any taxes
that  might be  imposed  on the  Trust  Fund has been  given  and that all other
preconditions  to the taking of such  action  have been  satisfied.  The Trustee
shall not take or fail to take any action (whether or not authorized  hereunder)
as to which the Master Servicer or the REMIC Administrator,  as applicable,  has
advised it in writing  that it has  received an Opinion of Counsel to the effect
that an Adverse  REMIC  Event  could  occur  with  respect  to such  action.  In
addition, prior to taking any action with respect to any REMIC created hereunder
or any  related  assets  thereof,  or causing any such REMIC to take any action,
which is not expressly permitted under the terms of this Agreement,  the Trustee

                                      102
<PAGE>

will consult with the Master Servicer or the REMIC Administrator, as applicable,
or its designee,  in writing, with respect to whether such action could cause an
Adverse  REMIC Event to occur with  respect to any such  REMIC,  and the Trustee
shall not take any such  action or cause any such REMIC to take any such  action
as to which the Master Servicer or the REMIC Administrator,  as applicable,  has
advised it in writing  that an  Adverse  REMIC  Event  could  occur.  The Master
Servicer or the REMIC Administrator,  as applicable, may consult with counsel to
make  such  written  advice,  and the cost of same  shall be borne by the  party
seeking to take the action not expressly permitted by this Agreement,  but in no
event at the expense of the Master Servicer or the REMIC  Administrator.  At all
times as may be required  by the Code,  the Master  Servicer  will to the extent
within its  control  and the scope of its  duties  more  specifically  set forth
herein, maintain substantially all of the assets of each REMIC created hereunder
as  "qualified  mortgages"  as  defined in  Section  860G(a)(3)  of the Code and
"permitted investments" as defined in Section 860G(a)(5) of the Code.

(g) In the event  that any tax is imposed on  "prohibited  transactions"  of any
REMIC  created  hereunder as defined in Section  860F(a)(2) of the Code, on "net
income  from  foreclosure  property"  of any such  REMIC as  defined  in Section
860G(c) of the Code,  on any  contributions  to any such REMIC after the Startup
Day  therefor  pursuant  to  Section  860G(d)  of the Code,  or any other tax is
imposed  by the Code or any  applicable  provisions  of state or local tax laws,
such tax shall be charged (i) to the Master Servicer,  if such tax arises out of
or results from a breach by the Master Servicer of any of its obligations  under
this Agreement or the Master Servicer has in its sole  discretion  determined to
indemnify  the Trust Fund  against such tax,  (ii) to the  Trustee,  if such tax
arises out of or results from a breach by the Trustee of any of its  obligations
under  this  Article  X, or (iii)  otherwise  against  amounts on deposit in the
Custodial  Account as provided by Section 3.10 and on the  Distribution  Date(s)
following such  reimbursement  the aggregate of such taxes shall be allocated in
reduction of the Accrued Certificate  Interest on each Class entitled thereto in
the same manner as if such taxes constituted a Prepayment Interest Shortfall.

(h) The Trustee and the Master Servicer shall,  for federal income tax purposes,
maintain  books and records  with respect to each REMIC  created  hereunder on a
calendar  year and on an accrual  basis or as  otherwise  may be required by the
REMIC Provisions.

(i) Following the Startup Day, neither the Master Servicer nor the Trustee shall
accept  any  contributions  of  assets  to any REMIC  created  hereunder  unless
(subject to Section  10.01(f))  the Master  Servicer and the Trustee  shall have
received an Opinion of Counsel (at the expense of the party seeking to make such
contribution) to the effect that the inclusion of such assets in such REMIC will
not  cause  the  REMIC  to fail to  qualify  as a REMIC  at any  time  that  any
Certificates  are  outstanding  or subject  the REMIC to any tax under the REMIC
Provisions or other  applicable  provisions  of federal,  state and local law or
ordinances.

(j)  Neither  the Master  Servicer  nor the  Trustee  shall  (subject to Section
10.01(f)) enter into any  arrangement by which any REMIC created  hereunder will
receive a fee or other  compensation  for  services nor permit any such REMIC to
receive any income from assets other than  "qualified  mortgages"  as defined in
Section 860G(a)(3) of the Code or "permitted  investments" as defined in Section
860G(a)(5) of the Code.

                                      103
<PAGE>

(k)  Solely for the  purposes  of Section  1.860G-1(a)(4)(iii)  of the  Treasury
Regulations,  the  "latest  possible  maturity  date" by which  the  Certificate
Principal  Balance of each Class of  Certificates  (other than the Interest Only
Certificates)  representing a regular  interest in the applicable  REMIC and the
Uncertificated  Principal Balance of each Uncertificated  REMIC Regular Interest
(other than each  Uncertificated  REMIC Regular Interest  represented by a Class
A-V  Certificate,  if any) and the rights to the Interest Only  Certificates and
Uncertificated  REMIC Regular  Interest  represented by a Class A-V  Certificate
would be  reduced to zero is the  Maturity  Date for each such  Certificate  and
Interest.

(l) Within 30 days after the Closing Date, the REMIC Administrator shall prepare
and file with the Internal  Revenue Service Form 8811,  "Information  Return for
Real Estate Mortgage  Investment  Conduits (REMIC) and Issuers of Collateralized
Debt Obligations" for each REMIC created hereunder.

(m)  Neither  the Trustee  nor the Master  Servicer  shall  sell,  dispose of or
substitute  for any of the Mortgage  Loans  (except in  connection  with (i) the
default,  imminent default or foreclosure of a Mortgage Loan,  including but not
limited to, the acquisition or sale of a Mortgaged  Property acquired by deed in
lieu of foreclosure,  (ii) the bankruptcy of any REMIC created hereunder,  (iii)
the  termination  of any such REMIC  pursuant to Article IX of this Agreement or
(iv) a  purchase  of  Mortgage  Loans  pursuant  to  Article  II or III of  this
Agreement) nor acquire any assets for any such REMIC, nor sell or dispose of any
investments  in the Custodial  Account or the  Certificate  Account for gain nor
accept any  contributions to any such REMIC after the Closing Date unless it has
received  an Opinion of Counsel  that such sale,  disposition,  substitution  or
acquisition will not (a) affect adversely the status of such REMIC as a REMIC or
(b)  unless  the  Master  Servicer  has  determined  in its sole  discretion  to
indemnify  the Trust Fund against such tax,  cause such REMIC to be subject to a
tax on  "prohibited  transactions"  or  "contributions"  pursuant  to the  REMIC
Provisions.

Section 10.02. Master Servicer, REMIC Administrator and Trustee Indemnification.
               -----------------------------------------------------------------

(a) The Trustee  agrees to  indemnify  the Trust Fund,  the  Company,  the REMIC
Administrator and the Master Servicer for any taxes and costs including, without
limitation,  any  reasonable  attorneys fees imposed on or incurred by the Trust
Fund,  the  Company  or the  Master  Servicer,  as a result  of a breach  of the
Trustee's covenants set forth in Article VIII or this Article X.

(b) The REMIC Administrator agrees to indemnify the Trust Fund, the Company, the
Master  Servicer  and the  Trustee for any taxes and costs  (including,  without
limitation,  any reasonable attorneys' fees) imposed on or incurred by the Trust
Fund, the Company,  the Master Servicer or the Trustee,  as a result of a breach
of the REMIC Administrator's  covenants set forth in this Article X with respect
to compliance  with the REMIC  Provisions,  including  without  limitation,  any
penalties  arising from the Trustee's  execution of Tax Returns  prepared by the
REMIC Administrator that contain errors or omissions;  provided,  however,  that
such  liability  will not be imposed to the extent such breach is a result of an
error or omission in  information  provided  to the REMIC  Administrator  by the
Master Servicer in which case Section 10.02(c) will apply.

                                      104
<PAGE>

(c) The Master  Servicer  agrees to indemnify the Trust Fund,  the Company,  the
REMIC Administrator and the Trustee for any taxes and costs (including,  without
limitation,  any reasonable attorneys' fees) imposed on or incurred by the Trust
Fund,  the Company,  the REMIC  Administrator  or the Trustee,  as a result of a
breach of the  Master  Servicer's  covenants  set forth in this  Article X or in
Article III with  respect to  compliance  with the REMIC  Provisions,  including
without  limitation,  any penalties arising from the Trustee's  execution of Tax
Returns prepared by the Master Servicer that contain errors or omissions.

Section 10.03. Designation of REMIC(s).
               ------------------------

        As provided in Section 10.03 of the Series Supplement.

                                      105
<PAGE>

                                   ARTICLE XI
                            MISCELLANEOUS PROVISIONS

Section 11.01. Amendment.

(a) This  Agreement or any Custodial  Agreement may be amended from time to time
by the Company, the Master Servicer and the Trustee,  without the consent of any
of the Certificateholders:

(i)     to cure any ambiguity,

(ii)    to correct or supplement any provisions herein or therein,  which may be
        inconsistent  with any other provisions  herein or therein or to correct
        any error,

(iii)to modify,  eliminate  or add to any of its  provisions  to such  extent as
     shall be necessary or desirable to maintain the  qualification of the Trust
     Fund as a REMIC at all times  that any  Certificate  is  outstanding  or to
     avoid or minimize the risk of the  imposition  of any tax on the Trust Fund
     pursuant to the Code that would be a claim against the Trust Fund, provided
     that the Trustee has  received an Opinion of Counsel to the effect that (A)
     such action is necessary or desirable to maintain such  qualification or to
     avoid or minimize the risk of the  imposition  of any such tax and (B) such
     action will not adversely  affect in any material  respect the interests of
     any Certificateholder,

(iv) to change the timing and/or  nature of deposits into the Custodial  Account
     or the  Certificate  Account or to change  the name in which the  Custodial
     Account is maintained,  provided that (A) the  Certificate  Account Deposit
     Date shall in no event be later than the  related  Distribution  Date,  (B)
     such change  shall not, as  evidenced  by an Opinion of Counsel,  adversely
     affect in any material respect the interests of any  Certificateholder  and
     (C) such change shall not result in a reduction  of the rating  assigned to
     any Class of Certificates below the lower of the then-current rating or the
     rating  assigned to such  Certificates as of the Closing Date, as evidenced
     by a letter from each Rating Agency to such effect,

(v)  to modify,  eliminate or add to the  provisions  of Section  5.02(f) or any
     other provision hereof restricting transfer of the Class R Certificates, by
     virtue of their being the "residual  interests"  in a REMIC,  provided that
     (A) such change shall not result in reduction of the rating assigned to any
     such Class of Certificates  below the lower of the  then-current  rating or
     the  rating  assigned  to such  Certificates  as of the  Closing  Date,  as
     evidenced by a letter from each Rating Agency to such effect,  and (B) such
     change shall not (subject to Section 10.01(f)),  as evidenced by an Opinion
     of Counsel (at the expense of the party seeking so to modify,  eliminate or
     add such  provisions),  cause any  REMIC  created  hereunder  or any of the
     Certificateholders  (other than the  transferor) to be subject to a federal
     tax caused by a transfer to a Person that is not a Permitted Transferee,

(vi) to make any other  provisions with respect to matters or questions  arising
     under  this  Agreement  or such  Custodial  Agreement  which  shall  not be
     materially  inconsistent  with the provisions of this  Agreement,  provided
     that such  action  shall  not,  as  evidenced  by an  Opinion  of  Counsel,
     adversely   affect  in  any   material   respect  the   interests   of  any
     Certificateholder or

                                      106
<PAGE>

(vii)to amend any  provision  herein or therein  that is not  material to any of
     the Certificateholders.

(b) This  Agreement or any Custodial  Agreement may also be amended from time to
time by the Company, the Master Servicer and the Trustee with the consent of the
Holders of  Certificates  evidencing  in the  aggregate not less than 66% of the
Percentage Interests of each Class of Certificates with a Certificate  Principal
Balance  greater  than zero  affected  thereby  for the  purpose  of adding  any
provisions to or changing in any manner or eliminating  any of the provisions of
this  Agreement  or such  Custodial  Agreement or of modifying in any manner the
rights of the Holders of Certificates of such Class; provided,  however, that no
such amendment shall:

(i)  reduce in any manner the amount of, or delay the timing of,  payments which
     are required to be  distributed on any  Certificate  without the consent of
     the Holder of such Certificate,

(ii)    reduce the aforesaid percentage of Certificates of any Class the Holders
        of which are required to consent to any such amendment, in any such case
        without  the consent of the  Holders of all  Certificates  of such Class
        then outstanding.

(c) Notwithstanding any contrary provision of this Agreement,  the Trustee shall
not  consent  to any  amendment  to this  Agreement  unless it shall  have first
received an Opinion of Counsel  (subject to Section  10.01(f) and at the expense
of the party seeking such  amendment)  to the effect that such  amendment or the
exercise of any power granted to the Master Servicer, the Company or the Trustee
in accordance with such amendment will not result in the imposition of a federal
tax on the Trust Fund or cause any REMIC created under the Series  Supplement to
fail to qualify as a REMIC at any time that any Certificate is outstanding.

(d) Promptly after the execution of any such amendment the Trustee shall furnish
written  notification  of the  substance of such  amendment to the Custodian and
each   Certificateholder.   It  shall  not  be  necessary  for  the  consent  of
Certificateholders  under this Section 11.01 to approve the  particular  form of
any proposed amendment, but it shall be sufficient if such consent shall approve
the substance  thereof.  The manner of obtaining such consents and of evidencing
the  authorization  of the  execution  thereof  by  Certificateholders  shall be
subject to such reasonable regulations as the Trustee may prescribe.

(e) The Company  shall have the option,  in its sole  discretion,  to obtain and
deliver to the Trustee any corporate guaranty,  payment obligation,  irrevocable
letter of credit,  surety  bond,  insurance  policy or similar  instrument  or a
reserve fund, or any combination of the foregoing, for the purpose of protecting
the Holders of the Class B  Certificates  against any or all Realized  Losses or
other  shortfalls.  Any such instrument or fund shall be held by the Trustee for
the benefit of the Class B Certificateholders, but shall not be and shall not be
deemed to be under any  circumstances  included in the Trust Fund. To the extent
that any such  instrument or fund  constitutes a reserve fund for federal income
tax purposes,  (i) any reserve fund so established  shall be an outside  reserve
fund and not an asset of the Trust  Fund,  (ii) any such  reserve  fund shall be

                                      107
<PAGE>

owned by the Company,  and (iii)  amounts  transferred  by the Trust Fund to any
such reserve fund shall be treated as amounts  distributed  by the Trust Fund to
the Company or any  successor,  all within the  meaning of Treasury  Regulations
Section  1.860G-2(h) as it reads as of the Cut-off Date. In connection  with the
provision of any such  instrument  or fund,  this  Agreement  and any  provision
hereof may be modified,  added to,  deleted or  otherwise  amended in any manner
that is related or incidental to such instrument or fund or the establishment or
administration thereof, such amendment to be made by written instrument executed
or consented to by the Company but without the consent of any  Certificateholder
and  without the consent of the Master  Servicer or the Trustee  being  required
unless  any such  amendment  would  impose  any  additional  obligation  on,  or
otherwise adversely affect the interests of the Senior  Certificateholders,  the
Class M  Certificateholders,  the Master Servicer or the Trustee, as applicable;
provided that the Company  obtains  (subject to Section  10.01(f)) an Opinion of
Counsel (which need not be an opinion of Independent counsel) to the effect that
any such amendment will not cause (a) any federal tax to be imposed on the Trust
Fund,  including  without  limitation,  any federal  tax imposed on  "prohibited
transactions"  under Section  860F(a)(1) of the Code or on "contributions  after
the startup date" under Section 860G(d)(1) of the Code and (b) any REMIC created
hereunder  to fail to  qualify  as a REMIC at any time that any  Certificate  is
outstanding.  In the event that the Company  elects to provide such  coverage in
the  form  of  a  limited  guaranty   provided  by  General  Motors   Acceptance
Corporation,  the  Company  may elect  that the text of such  amendment  to this
Agreement  shall be  substantially  in the form attached hereto as Exhibit K (in
which case  Residential  Funding's  Subordinate  Certificate  Loss Obligation as
described in such exhibit shall be established by Residential  Funding's consent
to such  amendment) and that the limited  guaranty shall be executed in the form
attached  hereto as Exhibit L, with such changes as the Company shall deem to be
appropriate;  it being understood that the Trustee has reviewed and approved the
content of such forms and that the  Trustee's  consent  or  approval  to the use
thereof is not required.

Section 11.02. Recordation of Agreement; Counterparts.
               ---------------------------------------

(a) To the extent  permitted by  applicable  law,  this  Agreement is subject to
recordation in all appropriate  public offices for real property  records in all
the  counties  or other  comparable  jurisdictions  in  which  any or all of the
properties  subject to the Mortgages are situated,  and in any other appropriate
public  recording  office or elsewhere,  such  recordation to be effected by the
Master Servicer and at its expense on direction by the Trustee  (pursuant to the
request  of  Holders  of  Certificates  entitled  to at least 25% of the  Voting
Rights),  but only upon  direction  accompanied  by an Opinion of Counsel to the
effect that such recordation  materially and beneficially  affects the interests
of the Certificateholders.

(b) For the purpose of facilitating  the recordation of this Agreement as herein
provided and for other purposes,  this Agreement may be executed  simultaneously
in any number of counterparts,  each of which counterparts shall be deemed to be
an  original,  and  such  counterparts  shall  constitute  but one and the  same
instrument.

                                      108
<PAGE>

Section 11.03. Limitation on Rights of Certificateholders.
               -------------------------------------------

(a) The  death or  incapacity  of any  Certificateholder  shall not  operate  to
terminate this Agreement or the Trust Fund, nor entitle such Certificateholder's
legal  representatives  or heirs to claim an accounting or to take any action or
proceeding  in any court for a partition  or winding up of the Trust  Fund,  nor
otherwise  affect the rights,  obligations and liabilities of any of the parties
hereto.

(b) No  Certificateholder  shall  have any right to vote  (except  as  expressly
provided herein) or in any manner otherwise control the operation and management
of the Trust Fund, or the obligations of the parties hereto,  nor shall anything
herein set forth, or contained in the terms of the Certificates, be construed so
as to constitute the Certificateholders from time to time as partners or members
of an association; nor shall any Certificateholder be under any liability to any
third  person by reason of any action  taken by the  parties  to this  Agreement
pursuant to any provision hereof.

(c) No Certificateholder shall have any right by virtue of any provision of this
Agreement to institute  any suit,  action or proceeding in equity or at law upon
or under or with respect to this Agreement,  unless such Holder previously shall
have given to the  Trustee a written  notice of default  and of the  continuance
thereof, as hereinbefore  provided,  and unless also the Holders of Certificates
of any  Class  evidencing  in the  aggregate  not less  than 25% of the  related
Percentage  Interests of such Class,  shall have made  written  request upon the
Trustee to institute such action,  suit or proceeding in its own name as Trustee
hereunder and shall have offered to the Trustee such reasonable  indemnity as it
may require against the costs,  expenses and liabilities to be incurred  therein
or  thereby,  and the  Trustee,  for 60 days after its  receipt of such  notice,
request and offer of indemnity, shall have neglected or refused to institute any
such action,  suit or proceeding  it being  understood  and intended,  and being
expressly    covenanted   by   each    Certificateholder    with   every   other
Certificateholder  and the Trustee,  that no one or more Holders of Certificates
of any  Class  shall  have any  right in any  manner  whatever  by virtue of any
provision of this  Agreement to affect,  disturb or prejudice  the rights of the
Holders of any other of such  Certificates  of such Class or any other Class, or
to  obtain or seek to  obtain  priority  over or  preference  to any other  such
Holder,  or to  enforce  any right  under this  Agreement,  except in the manner
herein provided and for the common benefit of  Certificateholders  of such Class
or all Classes,  as the case may be. For the protection  and  enforcement of the
provisions  of this  Section  11.03,  each and every  Certificateholder  and the
Trustee  shall be entitled  to such  relief as can be given  either at law or in
equity.

Section 11.04. Governing Law.
               -------------

        This agreement and the  Certificates  shall be governed by and construed
in accordance with the laws of the State of New York and the obligations, rights
and remedies of the parties  hereunder  shall be determined  in accordance  with
such laws.

                                      109
<PAGE>

Section 11.05. Notices.
               -------

        As provided in Section 11.05 of the Series Supplement.

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

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

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

(b)     the occurrence of an Event of Default,

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

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

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

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

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

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

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

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

Section 11.07. Severability of Provisions.
               --------------------------

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

                                      110
<PAGE>

Section 11.08. Supplemental Provisions for Resecuritization.
               ---------------------------------------------

        This  Agreement  may be  supplemented  by  means  of the  addition  of a
separate  Article  hereto  (a   "Supplemental   Article")  for  the  purpose  of
resecuritizing  any of the Certificates  issued  hereunder,  under the following
circumstances.  With  respect  to any Class or Classes  of  Certificates  issued
hereunder,  or any portion of any such Class,  as to which the Company or any of
its  Affiliates  (or  any  designee  thereof)  is  the  registered  Holder  (the
"Resecuritized  Certificates"),  the  Company  may  deposit  such  Resecuritized
Certificates into a new REMIC, grantor trust, FASIT or custodial  arrangement (a
"Restructuring  Vehicle") to be held by the Trustee  pursuant to a  Supplemental
Article.  The instrument adopting such Supplemental Article shall be executed by
the Company,  the Master  Servicer and the Trustee;  provided,  that neither the
Master  Servicer nor the Trustee shall withhold  their consent  thereto if their
respective  interests would not be materially adversely affected thereby. To the
extent that the terms of the  Supplemental  Article do not in any way affect any
provisions  of this  Agreement as to any of the  Certificates  initially  issued
hereunder,  the adoption of the  Supplemental  Article  shall not  constitute an
"amendment" of this Agreement.

        Each  Supplemental  Article  shall set forth  all  necessary  provisions
relating to the holding of the  Resecuritized  Certificates by the Trustee,  the
establishment of the  Restructuring  Vehicle,  the issuing of various classes of
new certificates by the  Restructuring  Vehicle and the distributions to be made
thereon,  and any  other  provisions  necessary  for the  purposes  thereof.  In
connection  with each  Supplemental  Article,  the Company  shall deliver to the
Trustee an Opinion of Counsel to the effect that (i) the  Restructuring  Vehicle
will  qualify as a REMIC,  grantor  trust,  FASIT or other entity not subject to
taxation  for  federal  income  tax  purposes  and  (ii)  the  adoption  of  the
Supplemental  Article  will not endanger the status of the Trust Fund as a REMIC
or  (subject to Section  10.01(f))  result in the  imposition  of a tax upon the
Trust Fund  (including but not limited to the tax on prohibited  transactions as
defined  in Section  860F(a)(2)  of the Code and the tax on  contributions  to a
REMIC as set forth in Section 860G(d) of the Code).

Section 11.09. Allocation of Voting Rights.
               ----------------------------

               As provided in Section 11.09 of the Series Supplement.

Section 11.10. No Petition.
               -----------

               As provided in Section 11.10 of the Series Supplement.

                                      111
<PAGE>

                                    EXHIBIT A

FORM  OF  CLASS  A  CERTIFICATE,  [PRINCIPAL  ONLY/CLASS  A-P]  CERTIFICATE  AND
[INTEREST ONLY/CLASS A-V] CERTIFICATE

        SOLELY FOR U.S.  FEDERAL  INCOME TAX  PURPOSES,  THIS  CERTIFICATE  IS A
"REGULAR  INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE
TERMS ARE  DEFINED,  RESPECTIVELY,  IN  SECTIONS  860G AND 860D OF THE  INTERNAL
REVENUE CODE OF 1986.

        UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED  REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION  ("DTC"),  TO ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER,  EXCHANGE,  OR PAYMENT,  AND ANY CERTIFICATE
ISSUED  IS  REGISTERED  IN THE NAME OF CEDE & CO.  OR IN SUCH  OTHER  NAME AS IS
REQUESTED  BY AN  AUTHORIZED  REPRESENTATIVE  OF DTC (AND ANY PAYMENT IS MADE TO
CEDE  &  CO.  OR  TO  SUCH  OTHER  ENTITY  AS  IS  REQUESTED  BY  AN  AUTHORIZED
REPRESENTATIVE  OF DTC), ANY TRANSFER,  PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE  BY OR TO ANY PERSON IS  WRONGFUL  INASMUCH  AS THE  REGISTERED  OWNER
HEREOF, CEDE & CO.,
HAS AN INTEREST HEREIN.]

        [THE  FOLLOWING  INFORMATION  IS  PROVIDED  SOLELY FOR THE  PURPOSES  OF
APPLYING THE U.S.  FEDERAL INCOME TAX ORIGINAL  ISSUE DISCOUNT  ("OID") RULES TO
THIS  CERTIFICATE.  THE ISSUE DATE OF THIS  CERTIFICATE IS ___________ __, ____.
ASSUMING  THAT THE  MORTGAGE  LOANS  PREPAY AT [___]%  OF THE  PREPAYMENT  SPEED
ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), [AND ASSUMING A CONSTANT
PASS-THROUGH RATE EQUAL TO THE INITIAL  PASS-THROUGH RATE,] THIS CERTIFICATE HAS
BEEN ISSUED WITH NO MORE THAN $[ ] OF OID PER  [$1,000]  [$100,000]  OF [INITIAL
CERTIFICATE  PRINCIPAL BALANCE] [NOTIONAL AMOUNT], THE YIELD TO MATURITY IS [ ]%
AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN
$[  ]  PER  [$1,000]  [$100,000]  OF  [INITIAL  CERTIFICATE  PRINCIPAL  BALANCE]
[NOTIONAL AMOUNT],  COMPUTED USING THE APPROXIMATE  METHOD. NO REPRESENTATION IS
MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED
ASSUMPTION  OR AT ANY  OTHER  RATE OR AS TO THE  CONSTANCY  OF THE  PASS-THROUGH
RATE.]
<PAGE>

Certificate No.                    [        %][Variable] Pass-Through Rate
                --------            --------
                                   [based on a Notional Amount]
Class A-     Senior
Date of Pooling and Servicing      [Percentage Interest:       %]
                                                         ------
Agreement and Cut-off Date:
___________ 1, ____                Aggregate Initial [Certificate Principal
                                   Balance] [[Interest Only/Class A-V] Notional
First Distribution Date:           Amount] [Subclass Notional Amount] of the
_________ 25, ____                 Class A-     Certificates:
                                           ----

Master Servicer:                   [Initial] [Certificate Principal
Residential Funding                Balance] [Interest Only/Class A-V] [Subclass]
Corporation                        Notional Amount] of this Certificate:
                                   $                          ]
Assumed Final
Distribution Date:                 CUSIP 76110F-
___________ 25, ____

                 MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE
                                 SERIES ____-___

               evidencing a percentage  interest in the distributions  allocable
               to the  Class  A-  Certificates  with  respect  to a  Trust  Fund
               consisting   primarily  of  a  pool  of   conventional   one-  to
               four-family  fixed  interest rate first mortgage loans formed and
               sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

     This  certifies  that____________________  is the  registered  owner of the
Percentage  Interest  evidenced by this  Certificate  [(obtained by dividing the
[Initial  Certificate  Principal  Balance]  [Initial  [Interest  Only/Class A-V]
Notional  Amount] of this  Certificate  by the  aggregate  [Initial  Certificate
Principal Balance of all Class A- Certificates]  [Initial  [Interest  Only/Class
A-V] Notional Amounts of all [Interest  Only/Class A-V]  Certificates],  both as
specified  above)]  in  certain  distributions  with  respect  to the Trust Fund
consisting  primarily  of  an  interest  in  a  pool  of  conventional  one-  to
four-family  fixed interest rate first  mortgage  loans (the "Mortgage  Loans"),

<PAGE>

formed and sold by Residential  Accredit  Loans,  Inc.  (hereinafter  called the
"Company," which term includes any successor entity under the Agreement referred
to below).  The Trust  Fund was  created  pursuant  to a Pooling  and  Servicing
Agreement  dated as specified  above (the  "Agreement")  among the Company,  the
Master Servicer and __________________, as trustee (the "Trustee"), a summary of
certain of the  pertinent  provisions  of which is set forth  hereafter.  To the
extent not defined herein,  the capitalized  terms used herein have the meanings
assigned in the  Agreement.  This  Certificate is issued under and is subject to
the terms,  provisions and conditions of the Agreement,  to which  Agreement the
Holder of this  Certificate  by virtue of the  acceptance  hereof assents and by
which such Holder is bound.

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this Certificate and the amount [(of interest
and  principal,  if any)]  required  to be  distributed  to  Holders of Class A-
Certificates on such Distribution Date. [The [Interest  Only/Class A-V] Notional
Amount  of  the  [Interest  Only/Class  A-V]  Certificates  as of  any  date  of
determination is equal to the aggregate Stated Principal Balance of the Mortgage
Loans corresponding to the Uncertificated REMIC Regular Interests represented by
such [Interest  Only/Class A-V]  Certificates.] [The Subclass Notional Amount of
the [Interest  Only/Class A-V]-  Certificates as of any date of determination is
equal  to  the  aggregate  Stated  Principal   Balance  of  the  Mortgage  Loans
corresponding to the Uncertificated REMIC Regular Interests  represented by such
[Interest  Only/Class A-V]-  Certificates  immediately prior to such date.] [The
[Interest  Only/Class  A-V][-  ]  Certificates  have  no  Certificate  Principal
Balance.]

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The [Initial Certificate  Principal Balance] [Initial [Interest Only/Class
A-V] Notional Amount] [initial  Subclass Notional Amount] of this Certificate is
set forth above.] [The Certificate  Principal  Balance hereof will be reduced to
the extent of  distributions  allocable  to principal  and any  Realized  Losses
allocable hereto.]

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
<PAGE>

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.
<PAGE>

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Reference  is  hereby  made  to the  further  provisions  of this
Certificate set forth on the reverse hereof,  which further provisions shall for
all purposes have the same effect as if set forth at this place.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [_________________________],
                                   as Trustee

                                            By:
                                               -------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of the  Class  A-  Certificates  referred  to in the
within-mentioned Agreement.

                                            [---------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT B

                           FORM OF CLASS M CERTIFICATE

        THIS  CERTIFICATE  IS  SUBORDINATED  IN RIGHT OF  PAYMENT  TO THE SENIOR
CERTIFICATES  [CLASS M-1 CERTIFICATES] [AND CLASS M-2 CERTIFICATES] AS DESCRIBED
IN THE AGREEMENT (AS DEFINED BELOW).

        SOLELY FOR U.S.  FEDERAL  INCOME TAX  PURPOSES,  THIS  CERTIFICATE  IS A
"REGULAR  INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE
TERMS ARE  DEFINED,  RESPECTIVELY,  IN  SECTIONS  860G AND 860D OF THE  INTERNAL
REVENUE CODE OF 1986 (THE "CODE").

        UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED  REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION  ("DTC"),  TO ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER,  EXCHANGE,  OR PAYMENT,  AND ANY CERTIFICATE
ISSUED  IS  REGISTERED  IN THE NAME OF CEDE & CO.  OR IN SUCH  OTHER  NAME AS IS
REQUESTED  BY AN  AUTHORIZED  REPRESENTATIVE  OF DTC (AND ANY PAYMENT IS MADE TO
CEDE  &  CO.  OR  TO  SUCH  OTHER  ENTITY  AS  IS  REQUESTED  BY  AN  AUTHORIZED
REPRESENTATIVE  OF DTC), ANY TRANSFER,  PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE  BY OR TO ANY PERSON IS  WRONGFUL  INASMUCH  AS THE  REGISTERED  OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

        THE  FOLLOWING  INFORMATION  IS  PROVIDED  SOLELY  FOR THE  PURPOSES  OF
APPLYING THE U.S.  FEDERAL INCOME TAX ORIGINAL  ISSUE DISCOUNT  ("OID") RULES TO
THIS  CERTIFICATE.  THE ISSUE DATE OF THIS  CERTIFICATE IS ___________ __, ____.
ASSUMING  THAT THE  MORTGAGE  LOANS  PREPAY AT [___]%  OF THE  PREPAYMENT  SPEED
ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS  SUPPLEMENT),  THIS  CERTIFICATE  HAS
BEEN ISSUED WITH NO MORE THAN $[____] OF OID PER $[1,000] OF INITIAL CERTIFICATE
PRINCIPAL  BALANCE,  THE YIELD TO  MATURITY  IS  [_____]%  AND THE AMOUNT OF OID
ATTRIBUTABLE  TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[____] PER $[1,000]
OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE APPROXIMATE METHOD.
NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON
THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE.

        Any Transferee of this Certificate will be deemed to have represented by
virtue of its purchase or holding of this  Certificate (or interest herein) that
EITHER (a) such Transferee is not an investment  manager, a named fiduciary or a
trustee of any Plan) acting, directly or indirectly,  on behalf of or purchasing
any Certificate with "plan assets" of any Plan (a "plan  investor"),  (B) it has
acquired and is holding such  Certificate in reliance on Prohibited  Transaction
Exemption  ("PTE") 94-29, 59 Fed. Reg. 14674 (March 29, 1994), as amended by PTE

<PAGE>

97-34, 62 Fed. Reg. 39021 (July 21, 1997),  and PTE 2000-58,  65 Fed. Reg. 67765
(November 13, 2000) (the "RFC  Exemption"),  and that it understands  that there
are certain  conditions to the availability of the RFC Exemption  including that
such Certificate  must be rated, at the time of purchase,  not lower than "BBB-"
(or its  equivalent)  by  Standard  & Poor's,  Fitch or  Moody's  or (C) (I) the
transferee is an insurance company, (II) the source of funds to be used by it to
purchase the Certificate is an "insurance  company general  account" (within the
meaning of U.S.  Department  of Labor  Prohibited  Transaction  Class  Exemption
("PTCE")  95-60),  and (iii) the  CONDITIONS  SET FORTH IN SECTIONS I AND III OF
PTCE 95-60 HAVE BEEN  SATISFIED  (EACH ENTITY THAT  SATISFIES THIS CLAUSE (C), A
"cOMPLYING INSURANCE COMPANY).

        If this  Certificate (OR ANY INTEREST HEREIN) IS ACQUIRED OR HELD BY ANY
PERSON  THAT  DOES  NOT  SATISFY  THE  CONDITIONS  DESCRIBED  IN  THE  PRECEDING
PARAGRAPH,  THEN THE LAST  preceding  Transferee  that  either (i) is not a Plan
Investor,  (II) ACQUIRED SUCH  CERTIFICATE IN COMPLIANCE WITH THE RFC EXEMPTION,
or (iiI) is a  Complying  Insurance  Company  shall be  restored,  to the extent
permitted by law, to all rights and  obligations  as  Certificate  Owner thereof
retroactive to the date of such Transfer of this Certificate.  The Trustee shall
be  under no  liability  to any  Person  for  making  any  payments  due on this
Certificate to such preceding Transferee.

        Any purported  Certificate  Owner whose  acquisition  or holding of this
Certificate (or interest  herein) was effected in violation of the  restrictions
in Section  5.02(e) of the Pooling and Servicing  Agreement  shall indemnify and
hold harmless the Company,  the Trustee,  the Master Servicer,  any Subservicer,
and the Trust Fund from and against any and all  liabilities,  claims,  costs or
expenses incurred by such parties as a result of such acquisition or holding.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class M-    Subordinate                           Aggregate Certificate
                                                  Principal Balance
Date of Pooling and Servicing                     of the Class M Certificates:
Agreement and Cut-off Date:                       $
___________ 1, ____
                                                  Initial Certificate Principal
First Distribution Date:                          Balance of this Certificate:
_________ 25, ____                                $

Master Servicer:                                  CUSIP: 76110F-
Residential Funding Corporation

Assumed Final Distribution Date:
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

        evidencing a percentage  interest in any distributions  allocable to the
        Class  M-  Certificates  with  respect  to  the  Trust  Fund  consisting
        primarily of a pool of conventional  one- to four-family  fixed interest
        rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS,
        INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

     This  certifies  that  ________________  is  the  registered  owner  of the
Percentage  Interest  evidenced  by this  Certificate  (obtained by dividing the
Certificate  Principal Balance of this Certificate by the aggregate  Certificate
Principal  Balance of all Class M-  Certificates,  both as  specified  above) in
certain  distributions  with respect to a Trust Fund  consisting  primarily of a
pool of  conventional  one- to  four-family  fixed  interest rate first mortgage
loans (the "Mortgage  Loans"),  formed and sold by Residential  Accredit  Loans,
Inc. (hereinafter called the "Company," which term includes any successor entity
under the Agreement referred to below). The Trust Fund was created pursuant to a
Pooling and Servicing Agreement dated as specified above (the "Agreement") among
the  Company,  the Master  Servicer  and  __________________,  as  trustee  (the
"Trustee"),  a summary of certain of the  pertinent  provisions  of which is set
forth hereafter.  To the extent not defined herein,  the capitalized  terms used
herein have the meanings  assigned in the Agreement.  This Certificate is issued
under and is subject to the terms,  provisions  and conditions of the Agreement,
to which  Agreement the Holder of this  Certificate  by virtue of the acceptance
hereof assents and by which such Holder is bound.
<PAGE>

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this  Certificate and the amount (of interest
and  principal,  if any)  required  to be  distributed  to  Holders  of Class M-
Certificates on such Distribution Date.

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the  distributions  allocable to principal  and any  Realized  Losses  allocable
hereto.

               As described  above, no transfer of this Class M Certificate will
be made unless (i) the Trustee  has  received  either an opinion of counsel or a
representation  letter,  each as  described  in the  Agreement,  relating to the
permissibility  of such  transfer  under ERISA and Section 4975 of the Code,  or
(ii) this Certificate is held by a Depository, in which case the Transferee will
be deemed to have made  representations  relating to the  permissibility of such
transfer  under  ERISA and Section  4975 of the Code,  as  described  in Section
5.02(e) of the Agreement.  In addition,  any purported  Certificate  Owner whose
acquisition or holding of this  Certificate (or interest herein) was effected in
violation  of  the  restrictions  in  Section  5.02(e)  of the  Agreement  shall
indemnify and hold harmless the Company, the Trustee,  the Master Servicer,  any
Subservicer,  and the  Trust  Fund  from and  against  any and all  liabilities,
claims,  costs  or  expenses  incurred  by  such  parties  as a  result  of such
acquisition or holding.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.
<PAGE>

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.
<PAGE>

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [____________________________],
                                            as Trustee

                                            By:
                                               -------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of the  Class  M-  Certificates  referred  to in the
within-mentioned Agreement.

                                            [-------------------------],
                                                  as Certificate Registrar

                                            By:
                                               --------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT C

                           FORM OF CLASS B CERTIFICATE

THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR  CERTIFICATES
AND CLASS M CERTIFICATES [AND CLASS B-1] [CLASS B-2  CERTIFICATES]  DESCRIBED IN
THE AGREEMENT (AS DEFINED HEREIN).

THIS  CERTIFICATE  HAS NOT BEEN AND WILL NOT BE REGISTERED  UNDER THE SECURITIES
ACT OF 1933,  AS  AMENDED,  OR THE  SECURITIES  LAWS OF ANY STATE AND MAY NOT BE
RESOLD OR TRANSFERRED  UNLESS IT IS REGISTERED  PURSUANT TO SUCH ACT AND LAWS OR
IS SOLD OR TRANSFERRED IN TRANSACTIONS  WHICH ARE EXEMPT FROM REGISTRATION UNDER
SUCH ACT AND UNDER  APPLICABLE  STATE LAW AND IS TRANSFERRED IN ACCORDANCE  WITH
THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT.

NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION  PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR
AN OPINION OF COUNSEL  SATISFACTORY TO THE MASTER SERVICER,  THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT  PROHIBITED  TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED  ("ERISA"),  OR SECTION 4975 OF THE CODE
AND WILL NOT  SUBJECT  THE MASTER  SERVICER,  THE  COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.

SOLELY FOR U.S.  FEDERAL  INCOME TAX PURPOSES,  THIS  CERTIFICATE  IS A "REGULAR
INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE TERMS ARE
DEFINED,  RESPECTIVELY,  IN SECTIONS  860G AND 860D OF THE CODE.  THE  FOLLOWING
INFORMATION  IS PROVIDED  SOLELY FOR THE PURPOSES OF APPLYING  THE U.S.  FEDERAL
INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE.  THE ISSUE
DATE OF THIS  CERTIFICATE  IS ___________  __, ____.  ASSUMING THAT THE MORTGAGE
LOANS PREPAY AT 100% OF THE  PREPAYMENT  SPEED  ASSUMPTION  (AS DESCRIBED IN THE
PROSPECTUS SUPPLEMENT),  THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[ ]
OF OID PER  $[1,000]  OF INITIAL  CERTIFICATE  PRINCIPAL  BALANCE,  THE YIELD TO
MATURITY  IS [ ]% AND THE  AMOUNT OF OID  ATTRIBUTABLE  TO THE  INITIAL  ACCRUAL
PERIOD  IS NO MORE  THAN $[ ] PER  $[1,000]  OF  INITIAL  CERTIFICATE  PRINCIPAL
BALANCE,  COMPUTED UNDER THE APPROXIMATE  METHOD. NO REPRESENTATION IS MADE THAT
THE  MORTGAGE  LOANS  WILL  PREPAY  AT A  RATE  BASED  ON THE  PREPAYMENT  SPEED
ASSUMPTION OR AT ANY OTHER RATE.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class B-     Subordinate                          Aggregate Certificate
                                                  Principal Balance
Date of Pooling and Servicing                     of the Class B-
Agreement and Cut-off Date:                       Certificates as of
___________ 1, ____                               the Cut-off Date:
                                                  $
First Distribution Date:
_________ 25, ____                                Initial Certificate Principal
                                                  Balance of this Certificate:
Master Servicer:                                  $
Residential Funding Corporation

Assumed Final Distribution Date:
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

       evidencing a percentage  interest in any  distributions  allocable to the
       Class B- Certificates with respect to the Trust Fund consisting primarily
       of a pool of conventional  one- to four-family  fixed interest rate first
       mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

               This  certifies  that  Residential  Accredit  Loans,  Inc. is the
registered  owner  of the  Percentage  Interest  evidenced  by this  Certificate
(obtained by dividing the Certificate  Principal  Balance of this Certificate by
the aggregate Certificate  Principal Balance of all Class B- Certificates,  both
as  specified  above) in  certain  distributions  with  respect  to a Trust Fund
consisting  primarily  of a pool  of  conventional  one-  to  four-family  fixed
interest rate first mortgage loans (the  "Mortgage  Loans"),  formed and sold by
Residential  Accredit Loans, Inc.  (hereinafter called the "Company," which term
includes any successor entity under the Agreement  referred to below). The Trust
Fund  was  created  pursuant  to a  Pooling  and  Servicing  Agreement  dated as
specified  above (the  "Agreement")  among the Company,  the Master Servicer and
__________________,  as  trustee  (the  "Trustee"),  a summary of certain of the
pertinent provisions of which is set forth hereafter.  To the extent not defined
herein,  the  capitalized  terms used herein have the  meanings  assigned in the
Agreement.  This  Certificate  is issued  under  and is  subject  to the  terms,
provisions  and conditions of the  Agreement,  to which  Agreement the Holder of
this  Certificate by virtue of the  acceptance  hereof assents and by which such
Holder is bound.

<PAGE>

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing on
the first  Distribution  Date specified  above, to the Person in whose name this
Certificate  is  registered at the close of business on the last day (or if such
last day is not a Business Day, the Business Day immediately preceding such last
day) of the month next  preceding  the month of such  distribution  (the "Record
Date"), from the Available Distribution Amount in an amount equal to the product
of the  Percentage  Interest  evidenced by this  Certificate  and the amount (of
interest and principal, if any) required to be distributed to Holders of Class B
Certificates on such Distribution Date.

               Distributions  on this  Certificate  will be made  either  by the
Master  Servicer  acting on behalf of the Trustee or by a Paying Agent appointed
by the Trustee in  immediately  available  funds (by wire transfer or otherwise)
for the  account of the Person  entitled  thereto if such  Person  shall have so
notified  the Master  Servicer or such Paying  Agent,  or by check mailed to the
address of the Person entitled thereto, as such name and address shall appear on
the Certificate Register.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
the  distributions  allocable to principal  and any  Realized  Losses  allocable
hereto.

               No transfer of this Class B Certificate  will be made unless such
transfer is exempt from the  registration  requirements of the Securities Act of
1933,  as  amended,  and  any  applicable  state  securities  laws or is made in
accordance  with said Act and laws.  In the event that such a transfer  is to be
made,  (i) the  Trustee  or the  Company  may  require  an  opinion  of  counsel
acceptable  to and in form and  substance  satisfactory  to the  Trustee and the
Company that such transfer is exempt  (describing  the applicable  exemption and
the  basis  therefor)  from  or is  being  made  pursuant  to  the  registration
requirements  of the Securities  Act of 1933, as amended,  and of any applicable
statute of any state and (ii) the transferee shall execute an investment  letter
in the form  described by the  Agreement.  The Holder hereof  desiring to effect
such  transfer  shall,  and does hereby agree to,  indemnify  the  Trustee,  the
Company,  the Master Servicer and the Certificate  Registrar acting on behalf of
the Trustee  against  any  liability  that may result if the  transfer is not so
exempt  or is not made in  accordance  with such  Federal  and  state  laws.  In
connection  with any such transfer,  the Trustee will also require either (i) an
opinion of counsel  acceptable to and in form and substance  satisfactory to the
Trustee,  the Company and the Master Servicer with respect to the permissibility
of such transfer under the Employee  Retirement  Income Security Act of 1974, as
amended  ("ERISA"),  and Section 4975 of the Internal  Revenue Code (the "Code")
and stating, among other things, that the transferee's  acquisition of a Class B
Certificate will not constitute or result in a non-exempt prohibited transaction
under Section 406 of ERISA or Section 4975 of the Code or (ii) a  representation
letter,  in the form as described by Section  5.02(e) of the  Agreement,  either

<PAGE>

stating that the transferee is not an employee  benefit or other plan subject to
the  prohibited  transaction  provisions of ERISA or Section 4975 of the Code (a
"Plan"), or any other person (including an investment manager, a named fiduciary
or a trustee  of any  Plan)  acting,  directly  or  indirectly,  on behalf of or
purchasing any  Certificate  with "plan assets" of any Plan, or stating that the
transferee  is an  insurance  company,  the  source of funds to be used by it to
purchase the Certificate is an "insurance  company general  account" (within the
meaning of Department of Labor Prohibited  Transaction Class Exemption  ("PTCE")
95-60),  and the purchase is being made in reliance upon the availability of the
exemptive relief afforded under Sections I and III of PTCE 95-60.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.
<PAGE>

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [_____________________________],
                                   as Trustee

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of the  Class  M-  Certificates  referred  to in the
within-mentioned Agreement.

                                            [---------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT D

                           FORM OF CLASS R CERTIFICATE

THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON
OR A DISQUALIFIED ORGANIZATION (AS DEFINED BELOW).

SOLELY FOR U.S.  FEDERAL  INCOME TAX PURPOSES,  THIS  CERTIFICATE IS A "RESIDUAL
INTEREST"  IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT" AS THOSE TERMS ARE
DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF
1986 (THE "CODE").

NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE
PROVIDES EITHER A CERTIFICATION  PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR
AN OPINION OF COUNSEL  SATISFACTORY TO THE MASTER SERVICER,  THE COMPANY AND THE
TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A
NON-EXEMPT  PROHIBITED  TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED  ("ERISA"),  OR SECTION 4975 OF THE CODE
AND WILL NOT  SUBJECT  THE MASTER  SERVICER,  THE  COMPANY OR THE TRUSTEE TO ANY
OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.

ANY RESALE,  TRANSFER OR OTHER  DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY
IF THE PROPOSED  TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER SERVICER
AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE
OR POLITICAL  SUBDIVISION  THEREOF,  ANY POSSESSION OF THE UNITED STATES, OR ANY
AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING (OTHER THAN AN INSTRUMENTALITY
WHICH IS A CORPORATION  IF ALL OF ITS  ACTIVITIES  ARE SUBJECT TO TAX AND EXCEPT
FOR FREDDIE  MAC, A MAJORITY OF ITS BOARD OF  DIRECTORS  IS NOT SELECTED BY SUCH
GOVERNMENTAL UNIT), (B) A FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR
ANY AGENCY OR INSTRUMENTALITY  OF EITHER OF THE FOREGOING,  (C) ANY ORGANIZATION
(OTHER THAN CERTAIN FARMERS' COOPERATIVES  DESCRIBED IN SECTION 521 OF THE CODE)
WHICH IS  EXEMPT  FROM THE TAX  IMPOSED  BY  CHAPTER 1 OF THE CODE  UNLESS  SUCH
ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE (INCLUDING
THE TAX  IMPOSED  BY  SECTION  511 OF THE  CODE ON  UNRELATED  BUSINESS  TAXABLE
INCOME),  (D) RURAL  ELECTRIC AND  TELEPHONE  COOPERATIVES  DESCRIBED IN SECTION
1381(a)(2)(C)  OF THE CODE,  (E) AN ELECTING  LARGE  PARTNERSHIP  UNDER  SECTION
775(a) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B),
(C), (D) OR (E) BEING HEREIN REFERRED TO AS A "DISQUALIFIED  ORGANIZATION"),  OR
(F) AN AGENT OF A DISQUALIFIED ORGANIZATION,  (2) NO PURPOSE OF SUCH TRANSFER IS
TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX AND (3) SUCH TRANSFEREE  SATISFIES
CERTAIN  ADDITIONAL  CONDITIONS  RELATING  TO  THE  FINANCIAL  CONDITION  OF THE
PROPOSED  TRANSFEREE.   NOTWITHSTANDING  THE  REGISTRATION  IN  THE  CERTIFICATE
REGISTER OR ANY TRANSFER,  SALE OR OTHER  DISPOSITION  OF THIS  CERTIFICATE TO A
DISQUALIFIED  ORGANIZATION  OR AN AGENT  OF A  DISQUALIFIED  ORGANIZATION,  SUCH
REGISTRATION  SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT  WHATSOEVER  AND
SUCH  PERSON  SHALL  NOT BE  DEEMED TO BE A  CERTIFICATEHOLDER  FOR ANY  PURPOSE
HEREUNDER,  INCLUDING,  BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS
CERTIFICATE.  EACH HOLDER OF THIS  CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE
SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.
<PAGE>

Certificate No.                                   [      ]% Pass-Through Rate

Class R Senior                                    Aggregate Initial Certificate
                                                  Principal Balance of the
Date of Pooling and Servicing                     Class R Certificates:
Agreement and Cut-off Date:                       $100.00
___________ 1, ____
                                                  Initial Certificate Principal
First Distribution Date:                          Balance of this Certificate:
_________ 25, ____                                $

Master Servicer:                                  Percentage Interest:
Residential Funding Corporation                                 %
                                                  --------------

Assumed Final Distribution Date:                  CUSIP 76110F-
___________ 25, ____

                              MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE,
                                 SERIES ____-___

        evidencing a percentage  interest in any distributions  allocable to the
        Class R Certificates with respect to the Trust Fund consisting primarily
        of a pool of conventional  one- to four-family fixed interest rate first
        mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC.

     This  Certificate  is payable solely from the assets of the Trust Fund, and
does not represent an obligation of or interest in Residential  Accredit  Loans,
Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group,
Inc. or any of their  affiliates.  Neither this  Certificate  nor the underlying
Mortgage  Loans  are  guaranteed  or  insured  by  any  governmental  agency  or
instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the
Trustee or GMAC Mortgage  Group,  Inc. or any of their  affiliates.  None of the
Company,  the  Master  Servicer,  GMAC  Mortgage  Group,  Inc.  or any of  their
affiliates  will have any  obligation  with respect to any  certificate or other
obligation secured by or payable from payments on the Certificates.

               This  certifies  that is the  registered  owner of the Percentage
Interest  evidenced  by this  Certificate  (obtained  by  dividing  the  Initial
Certificate  Principal  Balance of this  Certificate  by the  aggregate  Initial
Certificate  Principal  Balance of all Class R  Certificates,  both as specified
above) in  certain  distributions  with  respect  to the Trust  Fund  consisting
primarily of a pool of  conventional  one- to  four-family  fixed  interest rate
first  mortgage  loans (the  "Mortgage  Loans"),  formed and sold by Residential
Accredit Loans, Inc.  (hereinafter called the "Company," which term includes any
successor  entity  under the  Agreement  referred to below).  The Trust Fund was
created  pursuant to a Pooling and Servicing  Agreement dated as specified above
(the "Agreement") among the Company, the Master Servicer and __________________,
as trustee (the "Trustee"),  a summary of certain of the pertinent provisions of
which is set forth hereafter.  To the extent not defined herein, the capitalized
terms used herein have the meanings assigned in the Agreement.  This Certificate
is issued under and is subject to the terms,  provisions  and  conditions of the
Agreement,  to which  Agreement the Holder of this  Certificate by virtue of the
acceptance hereof assents and by which such Holder is bound.

               Pursuant to the terms of the Agreement,  a  distribution  will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this  Certificate and the amount (of interest
and  principal,  if any)  required  to be  distributed  to  Holders  of  Class R
Certificates on such Distribution Date.

               Each Holder of this  Certificate will be deemed to have agreed to
be bound by the  restrictions  set forth in the Agreement to the effect that (i)
each person holding or acquiring any Ownership Interest in this Certificate must
be a United States Person and a Permitted  Transferee,  (ii) the transfer of any
Ownership  Interest in this Certificate will be conditioned upon the delivery to
the Trustee of,  among other  things,  an  affidavit  to the effect that it is a
United States Person and Permitted Transferee,  (iii) any attempted or purported
transfer of any  Ownership  Interest in this  Certificate  in  violation of such
restrictions  will be  absolutely  null and void and will  vest no rights in the
purported  transferee,  and (iv) if any person other than a United States Person
and a Permitted  Transferee  acquires any Ownership Interest in this Certificate
in violation of such restrictions,  then the Company will have the right, in its
sole  discretion and without notice to the Holder of this  Certificate,  to sell
this Certificate to a purchaser selected by the Company,  which purchaser may be
the Company,  or any affiliate of the Company,  on such terms and  conditions as
the Company may choose.

               Notwithstanding   the  above,  the  final  distribution  on  this
Certificate  will be made after due notice of the pendency of such  distribution
and only upon  presentation  and surrender of this  Certificate at the office or
agency  appointed  by the Trustee for that  purpose in the City and State of New
York. The Initial Certificate Principal Balance of this Certificate is set forth
above. The Certificate Principal Balance hereof will be reduced to the extent of
distributions  allocable to principal and any Realized Losses allocable  hereto.
Notwithstanding  the reduction of the  Certificate  Principal  Balance hereof to
zero,  this  Certificate  will remain  outstanding  under the  Agreement and the
Holder hereof may have additional  obligations with respect to this Certificate,
including  tax   liabilities,   and  may  be  entitled  to  certain   additional
distributions  hereon,  in  accordance  with the  terms  and  provisions  of the
Agreement.
<PAGE>

               No transfer of this Class R  Certificate  will be made unless the
Trustee has received either (i) an opinion of counsel  acceptable to and in form
and substance  satisfactory to the Trustee,  the Company and the Master Servicer
with  respect  to  the  permissibility  of  such  transfer  under  the  Employee
Retirement Income Security Act of 1974, as amended  ("ERISA"),  and Section 4975
of the Internal Revenue Code (the "Code") and stating,  among other things, that
the  transferee's  acquisition  of a Class R Certificate  will not constitute or
result in a  non-exempt  prohibited  transaction  under  Section 406 of ERISA or
Section  4975 of the  Code  or  (ii) a  representation  letter,  in the  form as
described  by the  Agreement,  stating  that the  transferee  is not an employee
benefit or other plan subject to the prohibited  transaction provisions of ERISA
or  Section  4975 of the Code (a  "Plan"),  or any other  person  (including  an
investment manager, a named fiduciary or a trustee of any Plan) acting, directly
or indirectly,  on behalf of or purchasing any Certificate with "plan assets" of
any Plan.

               This   Certificate  is  one  of  a  duly   authorized   issue  of
Certificates  issued in several  Classes  designated  as  Mortgage  Asset-Backed
Pass-Through  Certificates of the Series specified  hereon (herein  collectively
called the "Certificates").

               The  Certificates  are  limited  in right of  payment  to certain
collections  and  recoveries   respecting  the  Mortgage  Loans,   all  as  more
specifically set forth herein and in the Agreement. In the event Master Servicer
funds  are  advanced  with  respect  to  any  Mortgage  Loan,  such  advance  is
reimbursable  to the Master  Servicer,  to the extent provided in the Agreement,
from related recoveries on such Mortgage Loan or from other cash that would have
been distributable to Certificateholders.

               As  provided in the  Agreement,  withdrawals  from the  Custodial
Account   and/or  the   Certificate   Account   created   for  the   benefit  of
Certificateholders  may be made by the  Master  Servicer  from  time to time for
purposes other than distributions to Certificateholders, such purposes including
without  limitation  reimbursement  to the  Company  and the Master  Servicer of
advances made, or certain expenses incurred, by either of them.

               The Agreement permits,  with certain exceptions therein provided,
the  amendment  of  the  Agreement  and  the  modification  of  the  rights  and
obligations of the Company,  the Master  Servicer and the Trustee and the rights
of the  Certificateholders  under the Agreement at any time by the Company,  the
Master  Servicer and the Trustee with the consent of the Holders of Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.
<PAGE>

               As provided in the Agreement  and subject to certain  limitations
therein  set forth,  the  transfer of this  Certificate  is  registrable  in the
Certificate  Register upon surrender of this  Certificate  for  registration  of
transfer  at the offices or  agencies  appointed  by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form
below or other  written  instrument  of  transfer  in form  satisfactory  to the
Trustee and the Certificate Registrar duly executed by the Holder hereof or such
Holder's  attorney  duly  authorized  in writing,  and thereupon one or more new
Certificates of authorized denominations evidencing the same Class and aggregate
Percentage Interest will be issued to the designated transferee or transferees.

               The  Certificates  are issuable only as  registered  Certificates
without coupons in Classes and in denominations  specified in the Agreement.  As
provided in the Agreement and subject to certain  limitations therein set forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

               No  service  charge  will be made  for any such  registration  of
transfer or exchange, but the Trustee may require payment of a sum sufficient to
cover any tax or other governmental charge payable in connection therewith.

               The Company, the Master Servicer, the Trustee and the Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.

               This Certificate shall be governed by and construed in accordance
with the laws of the State of New York.

               The  obligations  created  by the  Agreement  in  respect  of the
Certificates and the Trust Fund created thereby shall terminate upon the payment
to  Certificateholders  of all  amounts  held by or on behalf of the Trustee and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

               Reference  is  hereby  made  to the  further  provisions  of this
Certificate set forth on the reverse hereof,  which further provisions shall for
all purpose have the same effect as if set forth at this place.

               Unless the certificate of authentication hereon has been executed
by the Certificate Registrar, by manual signature, this Certificate shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

               IN WITNESS WHEREOF, the Trustee has caused this Certificate to be
duly executed.

Dated:                                      [____________________________],
                                            as Trustee

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

                          CERTIFICATE OF AUTHENTICATION

               This  is one of  the  Class  R  Certificates  referred  to in the
within-mentioned Agreement.

                                            [----------------------------],
                                                 as Certificate Registrar

                                            By:
                                               ---------------------------------
                                                 Authorized Signatory

<PAGE>

                                   ASSIGNMENT

     FOR  VALUE  RECEIVED,   the  undersigned  hereby  sell(s),   assign(s)  and
transfer(s) unto  _____________________________  (Please print or typewrite name
and  address  including  postal  zip code of  assignee)  a  Percentage  Interest
evidenced  by the within  Mortgage  Asset-Backed  Pass-Through  Certificate  and
hereby  authorizes the transfer of  registration of such interest to assignee on
the Certificate Register of the Trust Fund.

               I (We) further  direct the  Certificate  Registrar to issue a new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

________________________________________________________________________________

                                         _____________________________________
Dated:                                   Signature by or on behalf of assignor

                                         ______________________________________
                                                 Signature Guaranteed

                            DISTRIBUTION INSTRUCTIONS

               The  assignee  should  include  the  following  for  purposes  of
distribution:

     Distributions shall be made, by wire transfer or otherwise,  in immediately
available   funds  to   ______________________________   for  the   account   of
_______________________________  account  number  _____________________,  or, if
mailed by check, to ____________________________________.  Applicable statements
should be mailed to ____________________________________.

     This information is provided by _______________________, the assignee named
above, or ___________________, as its agent.

<PAGE>

                                    EXHIBIT E

                        FORM OF SELLER/SERVICER CONTRACT

        This  Seller/Servicer  Contract  (as  may be  amended,  supplemented  or
otherwise  modified from time to time, this "Contract") is made this day of , 20
, by and between  Residential  Funding  Corporation,  its successors and assigns
("Residential   Funding")  and  (the   "Seller/Servicer,"   and,  together  with
Residential Funding, the "parties" and each, individually, a "party").

        WHEREAS,  the  Seller/Servicer  desires to sell Loans to, and/or service
Loans for,  Residential  Funding,  and  Residential  Funding desires to purchase
Loans from the Seller/Servicer  and/or have the Seller/Servicer  service various
of its Loans, pursuant to the terms of this Contract and the Residential Funding
Seller  and  Servicer  Guides  incorporated  herein by  reference,  as  amended,
supplemented or otherwise modified, from time to time (together, the "Guides").

        NOW,  THEREFORE,  in  consideration  of the  premises,  and  the  terms,
conditions and agreements set forth below, the parties agree as follows:

1.      INCORPORATION OF GUIDES BY REFERENCE.

        The  Seller/Servicer  acknowledges  that it has  received  and  read the
Guides. All provisions of the Guides are incorporated by reference into and made
a part of this  Contract,  and  shall be  binding  upon the  parties;  provided,
however,  that the  Seller/Servicer  shall be  entitled  to sell Loans to and/or
service Loans for  Residential  Funding only if and for so long as it shall have
been authorized to do so by Residential  Funding in writing.  Specific reference
in this  Contract  to  particular  provisions  of the  Guides  and not to  other
provisions  does not mean that those  provisions of the Guides not  specifically
cited in this Contract are not applicable.  All terms used herein shall have the
same  meanings  as such terms have in the  Guides,  unless the  context  clearly
requires otherwise.

2.      AMENDMENTS.

        This Contract may not be amended or modified orally, and no provision of
this  Contract  may be waived or amended  except in writing  signed by the party
against whom  enforcement  is sought.  Such a written  waiver or amendment  must
expressly  reference this Contract.  However,  by their terms, the Guides may be
amended or  supplemented  by  Residential  Funding  from time to time.  Any such
amendment(s) to the Guides shall be binding upon the parties hereto.

3.      REPRESENTATIONS AND WARRANTIES.

a.      Reciprocal Representations and Warranties.

               The  Seller/Servicer  and Residential Funding each represents and
warrants to the other that as of the date of this Contract:
<PAGE>

(1)                   Each party is duly  organized,  validly  existing,  and in
                      good  standing  under  the  laws  of its  jurisdiction  of
                      organization,  is qualified,  if necessary, to do business
                      and in good standing in each  jurisdiction  in which it is
                      required to be so qualified,  and has the requisite  power
                      and  authority  to enter into this  Contract and all other
                      agreements  which are contemplated by this Contract and to
                      carry out its  obligations  hereunder and under the Guides
                      and under such other agreements.

(2)                   This  Contract  has been  duly  authorized,  executed  and
                      delivered  by each  party  and  constitutes  a  valid  and
                      legally  binding  agreement of each party  enforceable  in
                      accordance with its terms.

(3)                   There is no action, proceeding or investigation pending or
                      threatened,  and no basis  therefor  is  known  to  either
                      party,  that could  affect  the  validity  or  prospective
                      validity of this Contract.

(4)  Insofar as its capacity to carry out any obligation  under this Contract is
     concerned,  neither  party is in  violation  of any  charter,  articles  of
     incorporation,   bylaws,  mortgage,  indenture,  indebtedness,   agreement,
     instrument,  judgment,  decree, order, statute, rule or regulation and none
     of the  foregoing  adversely  affects  its  capacity  to fulfill any of its
     obligations under this Contract. Its execution of, and performance pursuant
     to, this Contract will not result in a violation of any of the foregoing.

b.      Seller/Servicer's Representations, Warranties and Covenants.

               In addition to the representations, warranties and covenants made
               by the  Seller/Servicer  pursuant  to  subparagraph  (a) of  this
               paragraph  3,  the  Seller/Servicer  makes  the  representations,
               warranties  and  covenants  set  forth in the  Guides  and,  upon
               request,  agrees to deliver to Residential  Funding the certified
               Resolution of Board of Directors  which  authorizes the execution
               and delivery of this Contract.

4.      REMEDIES OF RESIDENTIAL FUNDING.

        If an Event of Seller  Default  or an Event of  Servicer  Default  shall
occur,  Residential  Funding  may, at its option,  exercise one or more of those
remedies set forth in the Guides.

5.      SELLER/SERVICER'S STATUS AS INDEPENDENT CONTRACTOR.

        At no time shall the  Seller/Servicer  represent that it is acting as an
agent of Residential Funding. The Seller/Servicer shall, at all times, act as an
independent contractor.

6.      PRIOR AGREEMENTS SUPERSEDED.

        This Contract  restates,  amends and supersedes any and all prior Seller
Contracts or Servicer Contracts between the parties except that any subservicing
agreement  executed by the  Seller/Servicer in connection with any loan-security
exchange transaction shall not be affected.
<PAGE>

7.      ASSIGNMENT.

        This Contract may not be assigned or  transferred,  in whole or in part,
by the Seller/Servicer without the prior written consent of Residential Funding.
Residential  Funding may sell,  assign,  convey,  hypothecate,  pledge or in any
other way transfer,  in whole or in part, without restriction,  its rights under
this Contract and the Guides with respect to any Commitment or Loan.

8.      NOTICES.

        All notices,  requests,  demands or other  communications that are to be
given under this  Contract  shall be in writing,  addressed  to the  appropriate
parties and sent by  telefacsimile  or by overnight  courier or by United States
mail,  postage prepaid,  to the addresses and  telefacsimile  numbers  specified
below.  However,  another  name,  address  and/or  telefacsimile  number  may be
substituted  by  the  Seller/Servicer  pursuant  to  the  requirements  of  this
paragraph 8, or Residential Funding pursuant to an amendment to the Guides.

If to Residential  Funding,  notices must be sent to the appropriate  address or
telefacsimile number specified in the Guides.

If to the Seller/Servicer, notice must be sent to:

      Attention:___________________________________

      Telefacsimile Number:  (      )       -
                              ------  ------
9.      JURISDICTION AND VENUE.

        Each of the parties irrevocably submits to the jurisdiction of any state
or federal court located in Hennepin County, Minnesota, over any action, suit or
proceeding  to enforce or defend any right  under  this  Contract  or  otherwise
arising from any loan sale or servicing relationship existing in connection with
this  Contract,  and each of the parties  irrevocably  agrees that all claims in
respect of any such  action or  proceeding  may be heard or  determined  in such
state or federal court. Each of the parties irrevocably waives the defense of an
inconvenient  forum to the  maintenance of any such action or proceeding and any
other  substantive or procedural  rights or remedies it may have with respect to
the maintenance of any such action or proceeding in any such forum.  Each of the
parties agrees that a final  judgment in any such action or proceeding  shall be
conclusive and may be enforced in any other jurisdiction by suit on the judgment
or in any other manner  provided by law. Each of the parties  further agrees not
to institute  any legal  actions or  proceedings  against the other party or any
director,  officer,  employee,  attorney,  agent or property of the other party,
arising  out of or  relating  to  this  Contract  in any  court  other  than  as
hereinabove specified in this paragraph 9.
<PAGE>

10.     MISCELLANEOUS.

        This Contract, including all documents incorporated by reference herein,
constitutes the entire  understanding  between the parties hereto and supersedes
all other agreements, covenants, representations, warranties, understandings and
communications between the parties, whether written or oral, with respect to the
transactions  contemplated by this Contract.  All paragraph  headings  contained
herein  are for  convenience  only and  shall not be  construed  as part of this
Contract.  Any provision of this Contract that is prohibited or unenforceable in
any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of
such prohibition or unenforceability without invalidating the remaining portions
hereof or affecting  the  validity or  enforceability  of such  provision in any
other jurisdiction,  and, to this end, the provisions hereof are severable. This
Contract  shall be governed by, and construed  and enforced in accordance  with,
applicable federal laws and the laws of the State of Minnesota.

<PAGE>

        IN WITNESS WHEREOF,  the duly authorized officers of the Seller/Servicer
and Residential  Funding have executed this  Seller/Servicer  Contract as of the
date first above written.

ATTEST:                                 SELLER/SERVICER

[Corporate Seal]

                                                       (Name of Seller/Servicer)
By:                                     By:
   --------------------------------
      (Signature)                                        (Signature)
By:                                     By:
   --------------------------------
      (Typed Name)                                       (Typed Name)
Title:                                  Title:
      ------------------------------
======================================= ========================================

ATTEST:                                 RESIDENTIAL FUNDING CORPORATION
[Corporate Seal]

By:                                     By:
   --------------------------------
      (Signature)                                        (Signature)
By:                                     By:
   --------------------------------
      (Typed Name)                                       (Typed Name)
Title:                                  Title:
      ------------------------------

<PAGE>

                                    EXHIBIT F
                          FORMS OF REQUEST FOR RELEASE

DATE:

TO:

RE:            REQUEST FOR RELEASE OF DOCUMENTS

In connection with the  administration of the pool of Mortgage Loans held by you
for the  referenced  pool,  we request  the  release of the  Mortgage  Loan File
described below.

Pooling and Servicing Agreement Dated:
Series#:
Account#:
Pool#:
Loan#:
MIN#:
Borrower Name(s):
Reason for Document Request:      (circle one)

        Mortgage Loan Prepaid in Full              Mortgage Loan Repurchased

"We hereby  certify  that all amounts  received or to be received in  connection
with such  payments  which are required to be deposited  have been or will be so
deposited as provided in the Pooling and Servicing Agreement."

Residential Funding Corporation
Authorized Signature

******************************************************************************

TO  CUSTODIAN/TRUSTEE:  Please acknowledge this request, and check off documents
being  enclosed  with a copy of this form.  You should retain this form for your
files in accordance with the terms of the Pooling and Servicing Agreement.

Enclosed Documents:          [ ]  Promissory Note
                             [ ]  Primary Insurance Policy
                             [ ]  Mortgage or Deed of Trust
                             [ ] Assignment(s) of Mortgage or Deed of Trust
                             [ ]  Title Insurance Policy
                             [ ]  Other:

Name:
     ------------------------
Title:
      -----------------------
Date:
     ------------------------

<PAGE>

                                   EXHIBIT G-1

                    FORM OF TRANSFER AFFIDAVIT AND AGREEMENT

STATE OF                         )
                                 )    ss.:
COUNTY OF                        )
               [NAME OF OFFICER], being first duly sworn, deposes and says:

1. That he is [Title of Officer] of [Name of Owner] (record or beneficial  owner
of the Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R
(the  "Owner")),  a  [savings  institution]  [corporation]  duly  organized  and
existing  under the laws of [the State  of__________ ] [the United  States],  on
behalf of which he makes this affidavit and agreement.

2. That the Owner (i) is not and will not be a "disqualified organization" or an
electing  large  partnership  as of [date of  transfer]  within  the  meaning of
Sections 860E(e)(5) and 775, respectively, of the Internal Revenue Code of 1986,
as amended (the "Code") or an electing large partnership under Section 775(a) of
the Code,  (ii) will endeavor to remain other than a  disqualified  organization
for so long as it retains its  ownership  interest in the Class R  Certificates,
and (iii) is acquiring the Class R  Certificates  for its own account or for the
account of another  Owner from which it has received an affidavit  and agreement
in  substantially  the same  form as this  affidavit  and  agreement.  (For this
purpose, a "disqualified organization" means an electing large partnership under
Section 775 of the Code, the United States,  any state or political  subdivision
thereof,  any agency or  instrumentality  of any of the foregoing (other than an
instrumentality  all of the  activities of which are subject to tax and,  except
for the Federal  Home Loan  Mortgage  Corporation,  a majority of whose board of
directors  is not  selected  by any such  governmental  entity)  or any  foreign
government,  international organization or any agency or instrumentality of such
foreign government or organization, any rural electric or telephone cooperative,
or any organization (other than certain farmers' cooperatives) that is generally
exempt from federal income tax unless such organization is subject to the tax on
unrelated business taxable income).

3. That the Owner is aware (i) of the tax that would be imposed on  transfers of
Class  R  Certificates   to   disqualified   organizations   or  electing  large
partnerships,  under  the  Code,  that  applies  to all  transfers  of  Class  R
Certificates after March 31, 1988; (ii) that such tax would be on the transferor
(or,  with  respect to transfers to electing  large  partnerships,  on each such
partnership),  or, if such transfer is through an agent (which person includes a
broker,  nominee or middleman)  for a disqualified  organization,  on the agent;
(iii) that the person  (other than with respect to  transfers to electing  large
partnerships)  otherwise  liable for the tax shall be relieved of liability  for
the tax if the  transferee  furnishes  to such  person  an  affidavit  that  the
transferee is not a disqualified organization and, at the time of transfer, such
person does not have actual knowledge that the affidavit is false; and (iv) that
the Class R Certificates  may be  "noneconomic  residual  interests"  within the
meaning of Treasury  regulations  promulgated  pursuant to the Code and that the
transferor of a noneconomic  residual  interest will remain liable for any taxes
due with respect to the income on such residual interest,  unless no significant
purpose of the transfer was to impede the assessment or collection of tax.
<PAGE>

4. That the Owner is aware of the tax imposed on a "pass-through entity" holding
Class R  Certificates  if either the  pass-through  entity is an electing  large
partnership  under  Section 775 of the if at any time during the taxable year of
the pass-through  entity a disqualified  organization is the record holder of an
interest in such entity.  (For this purpose,  a "pass through entity" includes a
regulated  investment  company,  a real estate  investment trust or common trust
fund, a partnership, trust or estate, and certain cooperatives.)

5. The Owner is either (i) a citizen or  resident of the United  States,  (ii) a
corporation,  partnership  or  other  entity  treated  as  a  corporation  or  a
partnership for U.S.  federal income tax purposes and created or organized in or
under the laws of the  United  States,  any state  thereof  or the  District  of
Columbia (other than a partnership that is not treated as a United States person
under any applicable Treasury regulations), (iii) an estate that is described in
Section 7701(a)(30)(D) of the Code, or (iv) a trust that is described in Section
7701(a)(30)(E) of the Code.

6. The  Owner  hereby  agrees  that it will not  cause  income  from the Class R
Certificates to be attributable to a foreign  permanent  establishment  or fixed
base  (within  the meaning of an  applicable  income tax treaty) of the Owner or
another United States taxpayer.

7. That the Owner is aware that the Trustee  will not  register  the transfer of
any Class R  Certificates  unless the  transferee,  or the  transferee's  agent,
delivers to it an affidavit and agreement,  among other things, in substantially
the same form as this affidavit and agreement.  The Owner expressly  agrees that
it will not consummate any such transfer if it knows or believes that any of the
representations contained in such affidavit and agreement are false.

8. That the Owner has  reviewed  the  restrictions  set forth on the face of the
Class R Certificates  and the  provisions of Section  5.02(f) of the Pooling and
Servicing  Agreement  under  which  the Class R  Certificates  were  issued  (in
particular,  clause (iii)(A) and (iii)(B) of Section 5.02(f) which authorize the
Trustee to deliver  payments  to a person  other than the Owner and  negotiate a
mandatory sale by the Trustee in the event the Owner holds such  Certificates in
violation of Section 5.02(f)).  The Owner expressly agrees to be bound by and to
comply with such restrictions and provisions.

9. That the Owner consents to any additional  restrictions or arrangements  that
shall be deemed  necessary  upon advice of counsel to  constitute  a  reasonable
arrangement to ensure that the Class R Certificates will only be owned, directly
or indirectly, by an Owner that is not a disqualified organization.

10.     The Owner's Taxpayer Identification Number is  ______________________.

11. This affidavit and agreement  relates only to the Class R Certificates  held
by the Owner and not to any other holder of the Class R Certificates.  The Owner
understands  that the  liabilities  described  herein relate only to the Class R
Certificates.
<PAGE>

12. That no purpose of the Owner  relating to the transfer of any of the Class R
Certificates  by the Owner is or will be to impede the  assessment or collection
of any tax; in making this representation,  the Owner warrants that the Owner is
familiar with (i) Treasury  Regulation Section 1.860E-1(c) and recent amendments
thereto,  effective as of July 19, 2002,  and (ii) the preamble  describing  the
adoption of the  amendments  to such  regulation,  which is  attached  hereto as
Exhibit 1.

13.  That the Owner has no  present  knowledge  or  expectation  that it will be
unable  to  pay  any  United  States  taxes  owed  by it so  long  as any of the
Certificates remain outstanding.  In this regard, the Owner hereby represents to
and for the benefit of the person from whom it acquired the Class R  Certificate
that the Owner  intends  to pay  taxes  associated  with  holding  such  Class R
Certificate  as they  become  due,  fully  understanding  that it may  incur tax
liabilities in excess of any cash flows generated by the Class R Certificate.

14. That the Owner has no present  knowledge or expectation  that it will become
insolvent or subject to a bankruptcy  proceeding for so long as any of the Class
R Certificates remain outstanding.

15. The  Purchaser is not an employee  benefit plan or other plan subject to the
prohibited transaction provisions of the Employee Retirement Income Security Act
of 1974, as amended  ("ERISA"),  or Section 4975 of the Internal Revenue Code of
1986, as amended (the "Code"),  or an investment  manager,  named fiduciary or a
trustee of any such plan, or any other Person acting, directly or indirectly, on
behalf of or purchasing any Certificate with "plan assets" of any such plan.

<PAGE>

               IN WITNESS  WHEREOF,  the Owner has caused this  instrument to be
executed on its behalf,  pursuant to the authority of its Board of Directors, by
its [Title of Officer] and its corporate seal to be hereunto attached,  attested
by its [Assistant] Secretary, this day of , 200 .

                                            [NAME OF OWNER]

                                            By:
                                               ---------------------------------
                                                 [Name of Officer]
                                                 [Title of Officer]
[Corporate Seal]

ATTEST:

[Assistant] Secretary

               Personally  appeared before me the above-named [Name of Officer],
known  or  proved  to me to be  the  same  person  who  executed  the  foregoing
instrument and to be the [Title of Officer] of the Owner, and acknowledged to me
that he executed  the same as his free act and deed and the free act and deed of
the Owner.

               Subscribed and sworn before me this  ____ day of  ___________,
200 ____

                                  NOTARY PUBLIC

                                            COUNTY OF
                                                     ---------------------------
                                            STATE OF
                                                    ----------------------------

                           My Commission  expires the _____ day of _____,20___.

<PAGE>

                                    EXHIBIT 1

DEPARTMENT OF THE TREASURY

Internal Revenue Service

26 CFR Parts 1 and 602

[TD 9004]
RIN 1545-AW98

Real Estate Mortgage Investment Conduits

AGENCY: Internal Revenue Service (IRS), Treasury.

ACTION: Final regulations.

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

SUMMARY:  This  document  contains  final  regulations  relating  to safe harbor
transfers of noneconomic  residual interests in real estate mortgage  investment
conduits (REMICs).  The final regulations provide additional  limitations on the
circumstances under which transferors may claim safe harbor treatment.

DATES: Effective Date: These regulations are effective July 19, 2002.
    Applicability Date: For dates of applicability, see Sec. 1.860E-
(1)(c)(10).

FOR FURTHER INFORMATION CONTACT: Courtney Shepardson at (202) 622-3940
(not a toll-free number).

SUPPLEMENTARY INFORMATION:

Paperwork Reduction Act

    The  collection  of  information  in this final rule has been  reviewed and,
pending  receipt and  evaluation of public  comments,  approved by the Office of
Management  and Budget (OMB) under 44 U.S.C.  3507 and assigned  control  number
1545-1675.
    The  collection  of  information  in  this  regulation  is in  Sec.  1.860E-
1(c)(5)(ii).  This  information  is  required to enable the IRS to verify that a
taxpayer is complying with the conditions of this regulation.  The collection of
information  is mandatory  and is  required.  Otherwise,  the taxpayer  will not
receive the benefit of safe harbor treatment as provided in the regulation.  The
likely respondents are businesses and other for-profit institutions.
<PAGE>

    Comments on the  collection of  information  should be sent to the Office of
Management  and Budget,  Attn:  Desk Officer for the Department of the Treasury,
Office of Information and Regulatory Affairs, Washington, DC, 20503, with copies
to  the  Internal  Revenue  Service,   Attn:  IRS  Reports  Clearance   Officer,
W:CAR:MP:FP:S,  Washington,  DC 20224. Comments on the collection of information
should be received by September 17, 2002.  Comments are  specifically  requested
concerning:

    Whether  the   collection  of   information  is  necessary  for  the  proper
performance of the functions of the Internal Revenue Service,  including whether
the information will have practical utility;

    The accuracy of the estimated burden associated with the collection
of information (see below);

    How the quality, utility, and clarity of the information to be
collected may be enhanced;

    How the  burden of  complying  with the  collection  of  information  may be
minimized,  including through the application of automated collection techniques
or other forms of information technology; and

    Estimates of capital or start-up costs and costs of operation,  maintenance,
and purchase of service to provide information.

    An agency  may not  conduct  or  sponsor,  and a person is not  required  to
respond to, a  collection  of  information  unless it  displays a valid  control
number assigned by the Office of Management and Budget.

    The  estimated  total  annual  reporting  burden is 470  hours,  based on an
estimated  number of respondents  of 470 and an estimated  average annual burden
hours per respondent of one hour.

    Books or records relating to a collection of information must be retained as
long as their contents may become material in the administration of any internal
revenue law. Generally, tax returns and tax return information are confidential,
as required by 26 U.S.C. 6103.

Background

    This document contains final regulations  regarding the proposed  amendments
to 26 CFR part 1 under  section  860E of the Internal  Revenue Code (Code).  The
regulations  provide the circumstances under which a transferor of a noneconomic
REMIC  residual   interest   meeting  the   investigation   and   representation
requirements  may avail  itself  of the safe  harbor by  satisfying  either  the
formula test or the asset test.

    Final regulations  governing REMICs, issued in 1992, contain rules governing
the transfer of noneconomic REMIC residual interests.  In general, a transfer of
a  noneconomic  residual  interest  is  disregarded  for all tax  purposes  if a
significant purpose of the transfer is to

[[Page 47452]]

enable the  transferor to impede the  assessment or collection of tax. A purpose
to impede the assessment or collection of tax (a wrongful purpose) exists if the
transferor,  at the time of the transfer,  either knew or should have known that
the transferee would be unwilling or unable to pay taxes due on its share of the
REMIC's taxable income.

<PAGE>

    Under a safe harbor, the transferor of a REMIC noneconomic residual interest
is presumed not to have a wrongful  purpose if two  requirements  are satisfied:
(1) the  transferor  conducts a  reasonable  investigation  of the  transferee's
financial  condition  (the  investigation  requirement);  and (2) the transferor
secures a  representation  from the transferee to the effect that the transferee
understands the tax obligations  associated with holding a residual interest and
intends to pay those taxes (the representation requirement).

    The  IRS  and  Treasury  have  been  concerned  that  some   transferors  of
noneconomic  residual  interests  claim they  satisfy  the safe  harbor  even in
situations  where the economics of the transfer  clearly indicate the transferee
is unwilling or unable to pay the tax associated with holding the interest.  For
this reason,  on February 7, 2000, the IRS published in the Federal Register (65
FR 5807) a notice of proposed rulemaking (REG-100276-97; REG-122450-98) designed
to clarify the safe harbor by adding the "formula  test," an economic  test. The
proposed  regulation  provides  that the safe harbor is  unavailable  unless the
present value of the  anticipated  tax  liabilities  associated with holding the
residual  interest  does not  exceed the sum of:  (1) The  present  value of any
consideration  given to the transferee to acquire the interest;  (2) the present
value of the expected future distributions on the interest;  and (3) the present
value of the anticipated tax savings associated with holding the interest as the
REMIC generates losses.

    The notice of proposed  rulemaking also contained rules for FASITs.  Section
1.860H-6(g) of the proposed regulations  provides  requirements for transfers of
FASIT  ownership  interests  and adopts a safe harbor by  reference  to the safe
harbor provisions of the REMIC regulations.

    In January 2001, the IRS published Rev. Proc. 2001-12 (2001-3 I.R.B. 335) to
set forth an alternative  safe harbor that taxpayers could use while the IRS and
the  Treasury  considered  comments  on  the  proposed  regulations.  Under  the
alternative safe harbor, if a transferor meets the investigation requirement and
the representation  requirement but the transfer fails to meet the formula test,
the transferor  may invoke the safe harbor if the transferee  meets a two- prong
test (the asset test). A transferee generally meets the first prong of this test
if, at the time of the transfer, and in each of the two years preceding the year
of  transfer,  the  transferee's  gross  assets  exceed $100 million and its net
assets exceed $10 million. A transferee generally meets the second prong of this
test if it is a  domestic,  taxable  corporation  and agrees in  writing  not to
transfer  the  interest  to any person  other  than  another  domestic,  taxable
corporation that also satisfies the requirements of the asset test. A transferor
cannot rely on the asset test if the  transferor  knows,  or has reason to know,
that the  transferee  will not comply  with its written  agreement  to limit the
restrictions on subsequent transfers of the residual interest.

<PAGE>

    Rev. Proc. 2001-12 provides that the asset test fails to be satisfied in the
case of a transfer or assignment of a noneconomic residual interest to a foreign
branch of an otherwise  eligible  transferee.  If such a transfer or  assignment
were permitted,  a corporate taxpayer might seek to claim that the provisions of
an  applicable  income tax treaty  would  resource  excess  inclusion  income as
foreign  source  income,  and that,  as a  consequence,  any U.S. tax  liability
attributable  to the excess  inclusion  income  could be offset by  foreign  tax
credits.  Such a claim would impede the  assessment or collection of U.S. tax on
excess inclusion income,  contrary to the congressional purpose of assuring that
such income will be taxable in all events. See, e.g., sections 860E(a)(1),  (b),
(e) and 860G(b) of the Code.

    The Treasury and the IRS have  learned that certain  taxpayers  transferring
noneconomic residual interests to foreign branches have attempted to rely on the
formula  test to obtain  safe  harbor  treatment  in an  effort  to  impede  the
assessment or collection of U.S. tax on excess  inclusion  income.  Accordingly,
the  final  regulations  provide  that if a  noneconomic  residual  interest  is
transferred  to a  foreign  permanent  establishment  or  fixed  base  of a U.S.
taxpayer,  the transfer is not eligible for safe harbor  treatment  under either
the asset  test or the  formula  test.  The  final  regulations  also  require a
transferee  to  represent  that it will not cause  income  from the  noneconomic
residual  interest to be attributable to a foreign  permanent  establishment  or
fixed base.

    Section 1.860E-1(c)(8)  provides computational rules that a taxpayer may use
to  qualify  for  safe  harbor   status   under  the   formula   test.   Section
1.860E-1(c)(8)(i)  provides that the transferee is presumed to pay tax at a rate
equal to the highest rate of tax specified in section 11(b).  Some  commentators
were  concerned that this presumed rate of taxation was too high because it does
not take into  consideration  taxpayers  subject to the alternative  minimum tax
rate. In light of the comments received,  this provision has been amended in the
final regulations to allow certain transferees that compute their taxable income
using the alternative  minimum tax rate to use the alternative  minimum tax rate
applicable to corporations.

    Additionally,  Sec.  1.860E-1(c)(8)(iii) provides that the present values in
the  formula  test  are to be  computed  using  a  discount  rate  equal  to the
applicable  Federal  short-term  rate prescribed by section  1274(d).  This is a
change  from  the  proposed   regulation  and  Rev.  Proc.   2001-12.  In  those
publications  the  provision  stated that "present  values are computed  using a
discount rate equal to the applicable Federal rate prescribed in section 1274(d)
compounded  semiannually"  and that "[a] lower  discount rate may be used if the
transferee can demonstrate that it regularly borrows, in the course of its trade
or  business,  substantial  funds at such  lower  rate from an  unrelated  third
party." The IRS and the Treasury  Department  have learned  that,  based on this
provision,  certain taxpayers have been attempting to use unrealistically low or
zero interest rates to satisfy the formula test,  frustrating  the intent of the
test.  Furthermore,  the  Treasury  Department  and the IRS believe  that a rule
allowing  for a rate  other than a rate based on an  objective  index  would add
unnecessary complexity to the safe harbor. As a result, the rule in the proposed

<PAGE>

regulations  that  permits a transferee  to use a lower  discount  rate,  if the
transferee can demonstrate that it regularly  borrows  substantial funds at such
lower rate, is not included in the final regulations; and the Federal short-term
rate  has  been  substituted  for  the  applicable  Federal  rate.  To  simplify
taxpayers' computations, the final regulations allow use of any of the published
short-term  rates,  provided  that  the  present  values  are  computed  with  a
corresponding  period  of  compounding.  With the  exception  of the  provisions
relating to transfers to foreign  branches,  these  changes  generally  have the
proposed  applicability  date of February 4, 2000,  but  taxpayers may choose to
apply the interest  rate formula set forth in the proposed  regulation  and Rev.
Proc. 2001-12 for transfers occurring before August 19, 2002.

    It is anticipated that when final regulations are adopted with
respect to

[[Page 47453]]

FASITs,  Sec.  1.860H-6(g)  of the  proposed  regulations  will  be  adopted  in
substantially  its  present  form,  with the result  that the final  regulations
contained  in this  document  will  also  govern  transfers  of FASIT  ownership
interests with substantially the same applicability date as is contained in this
document.

Effect on Other Documents

    Rev. Proc. 2001-12 (2001-3 I.R.B. 335) is obsolete for transfers of
noneconomic residual interests in REMICs occurring on or after August
19, 2002.

Special Analyses

    It is hereby  certified that these  regulations  will not have a significant
economic impact on a substantial number of small entities. This certification is
based  on the  fact  that it is  unlikely  that a  substantial  number  of small
entities will hold REMIC residual interests. Therefore, a Regulatory Flexibility
Analysis  under  the  Regulatory  Flexibility  Act (5 U.S.C.  chapter  6) is not
required.  It  has  been  determined  that  this  Treasury  decision  is  not  a
significant regulatory action as defined in Executive Order 12866.  Therefore, a
regulatory assessment is not required. It also has been determined that sections
553(b) and 553(d) of the  Administrative  Procedure Act (5 U.S.C.  chapter 5) do
not apply to these regulations.
<PAGE>

Drafting Information

    The principal author of these regulations is Courtney  Shepardson.  However,
other  personnel  from the IRS and  Treasury  Department  participated  in their
development.

List of Subjects

26 CFR Part 1

    Income taxes, Reporting and record keeping requirements.

26 CFR Part 602

    Reporting and record keeping requirements.

Adoption of Amendments to the Regulations

    Accordingly, 26 CFR parts 1 and 602 are amended as follows:

PART 1--INCOME TAXES

    Paragraph 1. The authority  citation for part 1 continues to read in part as
follows:

    Authority: 26 U.S.C. 7805 * * *

<PAGE>

                                   EXHIBIT G-2

                         FORM OF TRANSFEROR CERTIFICATE

                                                  , 20
                                   ---------------    ----

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota  55437

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, Class R

Ladies and Gentlemen:

               This letter is delivered to you in  connection  with the transfer
by (the  "Seller")  to (the  "Purchaser")  of $  Initial  Certificate  Principal
Balance of Mortgage  Asset-Backed  Pass-Through  Certificates,  Series ____-___,
Class R (the  "Certificates"),  pursuant  to  Section  5.02 of the  Pooling  and
Servicing  Agreement  (the  "Pooling  and  Servicing  Agreement"),  dated  as of
___________  1, ____ among  Residential  Accredit  Loans,  Inc.,  as seller (the
"Company"),   Residential   Funding   Corporation,   as  master  servicer,   and
__________________,  as trustee (the  "Trustee").  All terms used herein and not
otherwise defined shall have the meanings set forth in the Pooling and Servicing
Agreement.  The  Seller  hereby  certifies,  represents  and  warrants  to,  and
covenants with, the Company and the Trustee that:

1. No purpose of the Seller  relating to the transfer of the  Certificate by the
Seller to the Purchaser is or will be to impede the  assessment or collection of
any tax.

2. The Seller  understands  that the  Purchaser has delivered to the Trustee and
the Master  Servicer a transfer  affidavit and agreement in the form attached to
the Pooling and Servicing  Agreement as Exhibit G-1. The Seller does not know or
believe that any representation contained therein is false.

3.  The  Seller  has  at  the  time  of  the  transfer  conducted  a  reasonable
investigation  of the financial  condition of the Purchaser as  contemplated  by
Treasury  Regulations  Section  1.860E-1(c)(4)(i)  and,  as  a  result  of  that
investigation,  the Seller has  determined  that the Purchaser has  historically
paid its debts as they  become  due and has  found no  significant  evidence  to
indicate  that the  Purchaser  will not continue to pay its debts as they become
due in the  future.  The  Seller  understands  that  the  transfer  of a Class R
Certificate  may not be respected for United States income tax purposes (and the
Seller may  continue  to be liable for United  States  income  taxes  associated
therewith) unless the Seller has conducted such an investigation.

4. The Seller has no actual knowledge that the proposed Transferee is not both a
United States Person and a Permitted Transferee.

                                Very truly yours,

                                            (Seller)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT H

                     FORM OF INVESTOR REPRESENTATION LETTER

                                      , 20

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN 55437

==================
------------------

Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN  55437

Attention:  Residential Funding Corporation Series ____-___

               RE:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, [Class B-]

Ladies and Gentlemen:

               (the  "Purchaser")  intends to  purchase  from (the  "Seller")  $
Initial  Certificate  Principal  Balance of Mortgage  Asset-Backed  Pass-Through
Certificates,  Series ____-___,  Class (the "Certificates"),  issued pursuant to
the Pooling and Servicing  Agreement  (the  "Pooling and Servicing  Agreement"),
dated as of  ___________  1, ____ among  Residential  Accredit  Loans,  Inc., as
seller (the "Company"), Residential Funding Corporation, as master servicer (the
"Master  Servicer"),  and  __________________,  as trustee (the "Trustee").  All
terms used herein and not otherwise defined shall have the meanings set forth in
the Pooling and Servicing Agreement. The Purchaser hereby certifies,  represents
and warrants to, and  covenants  with,  the Company,  the Trustee and the Master
Servicer that:

1.   The Purchaser  understands that (a) the Certificates have not been and will
     not be registered or qualified under the Securities Act of 1933, as amended
     (the "Act") or any state securities law, (b) the Company is not required to
     so register or qualify the Certificates, (c) the Certificates may be resold
     only if registered  and qualified  pursuant to the provisions of the Act or
     any state  securities  law, or if an exemption from such  registration  and
     qualification  is  available,  (d)  the  Pooling  and  Servicing  Agreement
     contains  restrictions  regarding the transfer of the  Certificates and (e)
     the Certificates will bear a legend to the foregoing effect.
<PAGE>

2.   The  Purchaser  is  acquiring  the  Certificates  for its own  account  for
     investment  only and not with a view to or for sale in connection  with any
     distribution  thereof  in any  manner  that  would  violate  the Act or any
     applicable state securities laws.

3.   The Purchaser is (a) a substantial,  sophisticated  institutional  investor
     having such  knowledge and  experience  in financial and business  matters,
     and, in particular,  in such matters  related to securities  similar to the
     Certificates, such that it is capable of evaluating the merits and risks of
     investment in the Certificates, (b) able to bear the economic risks of such
     an investment and (c) an "accredited  investor"  within the meaning of Rule
     501(a) promulgated pursuant to the Act.

4.   The Purchaser has been furnished with, and has had an opportunity to review
     (a) [a copy of the Private  Placement  Memorandum,  dated  ________,  20__,
     relating  to the  Certificates  (b)] a copy of the  Pooling  and  Servicing
     Agreement and [b] [c] such other  information  concerning the Certificates,
     the Mortgage  Loans and the Company as has been  requested by the Purchaser
     from the Company or the Seller and is relevant to the Purchaser's  decision
     to purchase the  Certificates.  The Purchaser has had any questions arising
     from such review answered by the Company or the Seller to the  satisfaction
     of the Purchaser.  [If the Purchaser did not purchase the Certificates from
     the Seller in connection with the initial  distribution of the Certificates
     and was  provided  with a copy of the  Private  Placement  Memorandum  (the
     "Memorandum")  relating to the original sale (the  "Original  Sale") of the
     Certificates  by  the  Company,   the  Purchaser   acknowledges  that  such
     Memorandum  was  provided  to it by the  Seller,  that the  Memorandum  was
     prepared by the Company solely for use in connection with the Original Sale
     and  the  Company  did  not  participate  in or  facilitate  in any way the
     purchase of the  Certificates  by the  Purchaser  from the Seller,  and the
     Purchaser  agrees  that it will look  solely to the  Seller  and not to the
     Company with respect to any damage, liability, claim or expense arising out
     of, resulting from or in connection with (a) error or omission,  or alleged
     error or omission,  contained in the  Memorandum,  or (b) any  information,
     development or event arising after the date of the Memorandum.]

5.   The  Purchaser  has not and  will  not  nor  has it  authorized  or will it
     authorize any person to (a) offer,  pledge,  sell,  dispose of or otherwise
     transfer  any  Certificate,  any interest in any  Certificate  or any other
     similar security to any person in any manner,  (b) solicit any offer to buy
     or to accept a pledge,  disposition of other  transfer of any  Certificate,
     any interest in any  Certificate  or any other  similar  security  from any
     person in any manner,  (c) otherwise  approach or negotiate with respect to
     any  Certificate,  any  interest in any  Certificate  or any other  similar
     security with any person in any manner,  (d) make any general  solicitation
     by means of  general  advertising  or in any  other  manner or (e) take any
     other action,  that (as to any of (a) through (e) above) would constitute a
     distribution  of any  Certificate  under the Act,  that  would  render  the
     disposition  of any  Certificate a violation of Section 5 of the Act or any
     state  securities law, or that would require  registration or qualification
     pursuant thereto.  The Purchaser will not sell or otherwise transfer any of
     the  Certificates,  except in compliance with the provisions of the Pooling
     and Servicing Agreement.
<PAGE>

6.      The Purchaser

(a)            is  not  an  employee  benefit  or  other  plan  subject  to  the
               prohibited  transaction  provisions  of the  Employee  Retirement
               Income  Security Act of 1974,  as amended  ("ERISA"),  or Section
               4975 of the Internal Revenue Code of 1986, as amended (a "Plan"),
               or any other person  (including  an investment  manager,  a named
               fiduciary  or  a  trustee  of  any  Plan)  acting,   directly  or
               indirectly, on behalf of or purchasing any Certificate with "plan
               assets" of any Plan within the meaning of the Department of Labor
               ("DOL") regulation at 29 C.F.R. ss.2510.3-101; or

(b)            is an insurance company,  the source of funds to be used by it to
               purchase  the  Certificates  is  an  "insurance  company  general
               account" (within the meaning of DOL Prohibited  Transaction Class
               Exemption  ("PTCE")  95-60),  and the  purchase  is being made in
               reliance upon the  availability of the exemptive  relief afforded
               under Sections I and III of PTCE 95-60.

        In addition, the Purchaser hereby certifies, represents and warrants to,
and covenants  with, the Company,  the Trustee and the Master  Servicer that the
Purchaser will not transfer such  Certificates to any Plan or person unless such
Plan or person meets the requirements set forth in either 6(a) or (b) above.

                                Very truly yours,

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT I

                    FORM OF TRANSFEROR REPRESENTATION LETTER

                                                , 20
                                       ---------    --

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN 55437

==================
------------------

Attention: Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___, [Class B-]

Ladies and Gentlemen:

               In   connection   with  the  sale  by  (the   "Seller")  to  (the
"Purchaser") of $ Initial Certificate Principal Balance of Mortgage Asset-Backed
Pass-Through Certificates,  Series ____-___, Class (the "Certificates"),  issued
pursuant to the Pooling and  Servicing  Agreement  (the  "Pooling and  Servicing
Agreement"),  dated as of ___________ 1, ____ among Residential  Accredit Loans,
Inc., as seller (the  "Company"),  Residential  Funding  Corporation,  as master
servicer, and __________________,  as trustee (the "Trustee"). The Seller hereby
certifies,  represents and warrants to, and covenants  with, the Company and the
Trustee that:

               Neither  the  Seller  nor  anyone  acting on its  behalf  has (a)
offered,  pledged,  sold, disposed of or otherwise  transferred any Certificate,
any interest in any  Certificate or any other similar  security to any person in
any  manner,  (b)  has  solicited  any  offer  to buy  or to  accept  a  pledge,
disposition  or  other  transfer  of  any  Certificate,   any  interest  in  any
Certificate or any other similar security from any person in any manner, (c) has
otherwise approached or negotiated with respect to any Certificate, any interest
in any Certificate or any other similar  security with any person in any manner,
(d) has made any general  solicitation by means of general advertising or in any
other manner, or (e) has taken any other action,  that (as to any of (a) through
(e)  above)  would  constitute  a  distribution  of the  Certificates  under the
Securities  Act of 1933 (the "Act"),  that would render the  disposition  of any
Certificate a violation of Section 5 of the Act or any state  securities law, or
that would require  registration or qualification  pursuant thereto.  The Seller
will not act, in any manner set forth in the foregoing  sentence with respect to
any Certificate.  The Seller has not and will not sell or otherwise transfer any
of the Certificates, except in compliance with the provisions of the Pooling and
Servicing Agreement.

                                Very truly yours,

                                            (Seller)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                    EXHIBIT J

                  [FORM OF RULE 144A INVESTMENT REPRESENTATION]

                          Description   of  Rule  144A   Securities,   including
numbers:

               The  undersigned  seller,  as registered  holder (the  "Seller"),
intends to transfer the Rule 144A Securities  described above to the undersigned
buyer (the "Buyer").

1. In  connection  with such  transfer  and in  accordance  with the  agreements
pursuant  to which the Rule 144A  Securities  were  issued,  the  Seller  hereby
certifies  the  following  facts:  Neither  the Seller nor anyone  acting on its
behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule
144A  Securities,  any interest in the Rule 144A Securities or any other similar
security to, or solicited any offer to buy or accept a transfer, pledge or other
disposition  of  the  Rule  144A  Securities,  any  interest  in the  Rule  144A
Securities  or any other  similar  security  from,  or otherwise  approached  or
negotiated  with respect to the Rule 144A  Securities,  any interest in the Rule
144A Securities or any other similar security with, any person in any manner, or
made any general  solicitation  by means of general  advertising or in any other
manner,  or taken any other action,  that would constitute a distribution of the
Rule 144A  Securities  under the  Securities  Act of 1933, as amended (the "1933
Act"),  or that  would  render the  disposition  of the Rule 144A  Securities  a
violation of Section 5 of the 1933 Act or require registration pursuant thereto,
and that the Seller has not offered the Rule 144A Securities to any person other
than the Buyer or  another  "qualified  institutional  buyer" as defined in Rule
144A under the 1933 Act.

2. The Buyer  warrants and represents  to, and covenants  with, the Seller,  the
Trustee  and the Master  Servicer  (as  defined  in the  Pooling  and  Servicing
Agreement (the  "Agreement"),  dated as of ___________ 1, ____ among Residential
Funding  Corporation as Master  Servicer,  Residential  Accredit Loans,  Inc. as
depositor pursuant to Section 5.02 of the Agreement and  __________________,  as
trustee, as follows:

(a)     The  Buyer  understands  that the  Rule  144A  Securities  have not been
        registered under the 1933 Act or the securities laws of any state.

(b)     The Buyer considers  itself a substantial,  sophisticated  institutional
        investor  having such knowledge and experience in financial and business
        matters  that it is  capable  of  evaluating  the  merits  and  risks of
        investment in the Rule 144A Securities.
<PAGE>

(c)     The Buyer has been  furnished  with all  information  regarding the Rule
        144A  Securities  that it has requested from the Seller,  the Trustee or
        the Servicer.

(d)  Neither the Buyer nor anyone acting on its behalf has offered, transferred,
     pledged,  sold or  otherwise  disposed  of the Rule  144A  Securities,  any
     interest in the Rule 144A  Securities or any other similar  security to, or
     solicited  any  offer  to  buy  or  accept  a  transfer,  pledge  or  other
     disposition  of the Rule 144A  Securities,  any  interest  in the Rule 144A
     Securities or any other similar  security from, or otherwise  approached or
     negotiated  with respect to the Rule 144A  Securities,  any interest in the
     Rule 144A Securities or any other similar  security with, any person in any
     manner, or made any general solicitation by means of general advertising or
     in any other  manner,  or taken any other action,  that would  constitute a
     distribution of the Rule 144A  Securities  under the 1933 Act or that would
     render the disposition of the Rule 144A Securities a violation of Section 5
     of the 1933 Act or require registration  pursuant thereto, nor will it act,
     nor has it  authorized  or will it  authorize  any  person to act,  in such
     manner with respect to the Rule 144A Securities.

(e)  The Buyer is a "qualified  institutional  buyer" as that term is defined in
     Rule  144A  under  the 1933 Act and has  completed  either  of the forms of
     certification  to that  effect  attached  hereto as Annex 1 or Annex 2. The
     Buyer is aware that the sale to it is being made in  reliance on Rule 144A.
     The Buyer is acquiring the Rule 144A  Securities for its own account or the
     accounts of other qualified  institutional  buyers,  understands  that such
     Rule 144A  Securities may be resold,  pledged or transferred  only (i) to a
     person  reasonably  believed  to be a  qualified  institutional  buyer that
     purchases   for  its  own  account  or  for  the  account  of  a  qualified
     institutional  buyer to whom  notice is given  that the  resale,  pledge or
     transfer  is being made in  reliance  on Rule  144A,  or (ii)  pursuant  to
     another exemption from registration under the 1933 Act.

               [3.    The Buyer

(a)     is not an  employee  benefit  or other plan  subject  to the  prohibited
        transaction provisions of the Employee Retirement Income Security Act of
        1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code
        of 1986,  as amended  (a  "Plan"),  or any other  person  (including  an
        investment  manager, a named fiduciary or a trustee of any Plan) acting,
        directly or indirectly,  on behalf of or purchasing any Certificate with
        "plan assets" of any Plan within the meaning of the  Department of Labor
        ("DOL") regulation at 29 C.F.R. ss. 2510.3-101; or

(b)     is an  insurance  company,  the  source  of  funds  to be  used by it to
        purchase the  Certificates  is an "insurance  company  general  account"
        (within  the  meaning  of DOL  Prohibited  Transaction  Class  Exemption
        ("PTCE")  95-60),  and the  purchase is being made in reliance  upon the
        availability  of the exemptive  relief afforded under Sections I and III
        of PTCE 95-60.]

               4. This document may be executed in one or more  counterparts and
        by the different parties hereto on separate counterparts, each of which,
        when so executed,  shall be deemed to be an original; such counterparts,
        together, shall constitute one and the same document.
<PAGE>

               IN  WITNESS  WHEREOF,  each  of the  parties  has  executed  this
document as of the date set forth below.

Print Name of Seller                              Print Name of Buyer
By:                                               By:
   ------------------------------------------
   Name:                                             Name:
   Title:                                            Title:
Taxpayer Identification                           Taxpayer Identification:
No.                                               No:
   ------------------------------------------
Date:                                             Date:
     ----------------------------------------

<PAGE>

                              ANNEX 1 TO EXHIBIT J

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

             [For Buyers Other Than Registered Investment Companies]

               The  undersigned  hereby  certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:

1. As  indicated  below,  the  undersigned  is the  President,  Chief  Financial
Officer, Senior Vice President or other executive officer of the Buyer.

2. In  connection  with  purchases  by the  Buyer,  the  Buyer  is a  "qualified
institutional  buyer" as that term is defined in Rule 144A under the  Securities
Act of 1933  ("Rule  144A")  because (i) the Buyer  owned  and/or  invested on a
discretionary basis $ in securities (except for the excluded securities referred
to below) as of the end of the  Buyer's  most recent  fiscal  year (such  amount
being  calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the
criteria in the category marked below.

--   Corporation,  etc. The Buyer is a corporation  (other than a bank,  savings
     and loan  association  or similar  institution),  Massachusetts  or similar
     business  trust,  partnership,  or  charitable  organization  described  in
     Section 501(c)(3) of the Internal Revenue Code.

--   Bank.  The Buyer (a) is a national  bank or banking  institution  organized
     under the laws of any State,  territory or the  District of  Columbia,  the
     business of which is substantially confined to banking and is supervised by
     the State or  territorial  banking  commission or similar  official or is a
     foreign bank or equivalent institution, and (b) has an audited net worth of
     at  least  $25,000,000  as  demonstrated  in its  latest  annual  financial
     statements, a copy of which is attached hereto.

--   Savings and Loan. The Buyer (a) is a savings and loan association, building
     and loan association,  cooperative bank,  homestead  association or similar
     institution,  which  is  supervised  and  examined  by a State  or  Federal
     authority  having  supervision  over any such  institutions or is a foreign
     savings  and loan  association  or  equivalent  institution  and (b) has an
     audited net worth of at least  $25,000,000  as  demonstrated  in its latest
     annual financial statements.

--   Broker-Dealer.  The Buyer is a dealer registered  pursuant to Section 15 of
     the Securities Exchange Act of 1934.

--   Insurance  Company.  The Buyer is an insurance  company  whose  primary and
     predominant business activity is the writing of insurance or the reinsuring
     of risks  underwritten  by  insurance  companies  and which is  subject  to
     supervision by the insurance  commissioner or a similar  official or agency
     of a State or territory or the District of Columbia.
<PAGE>

--   State or Local Plan.  The Buyer is a plan  established  and maintained by a
     State, its political subdivisions,  or any agency or instrumentality of the
     State or its political subdivisions, for the benefit of its employees.

--   ERISA  Plan.  The Buyer is an employee  benefit  plan within the meaning of
     Title I of the Employee Retirement Income Security Act of 1974.

--   Investment Adviser. The Buyer is an investment adviser registered under the
     Investment Advisers Act of 1940.

--   SBIC. The Buyer is a Small Business Investment Company licensed by the U.S.
     Small  Business  Administration  under  Section  301(c) or (d) of the Small
     Business Investment Act of 1958.

--   Business  Development  Company. The Buyer is a business development company
     as defined in Section 202(a)(22) of the Investment Advisers Act of 1940.

--   Trust  Fund.  The Buyer is a trust  fund  whose  trustee is a bank or trust
     company and whose  participants  are exclusively (a) plans  established and
     maintained  by a  State,  its  political  subdivisions,  or any  agency  or
     instrumentality of the State or its political subdivisions, for the benefit
     of its employees, or (b) employee benefit plans within the meaning of Title
     I of the Employee  Retirement  Income  Security  Act of 1974,  but is not a
     trust fund that includes as participants  individual retirement accounts or
     H.R. 10 plans.

3. The term  "securities"  as used herein does not  include  (i)  securities  of
issuers that are affiliated with the Buyer,  (ii) securities that are part of an
unsold  allotment  to or  subscription  by the Buyer,  if the Buyer is a dealer,
(iii) bank deposit notes and certificates of deposit,  (iv) loan participations,
(v) repurchase  agreements,  (vi)  securities  owned but subject to a repurchase
agreement and (vii) currency, interest rate and commodity swaps.

4. For purposes of determining the aggregate  amount of securities  owned and/or
invested on a discretionary  basis by the Buyer, the Buyer used the cost of such
securities to the Buyer and did not include any of the securities referred to in
the preceding  paragraph.  Further,  in determining such aggregate  amount,  the
Buyer may have included  securities owned by subsidiaries of the Buyer, but only
if such subsidiaries are consolidated with the Buyer in its financial statements
prepared in accordance with generally accepted accounting  principles and if the
investments  of such  subsidiaries  are  managed  under the  Buyer's  direction.
However,  such  securities  were not included if the Buyer is a  majority-owned,
consolidated  subsidiary  of  another  enterprise  and the Buyer is not itself a
reporting company under the Securities Exchange Act of 1934.

5. The Buyer  acknowledges  that it is familiar  with Rule 144A and  understands
that the seller to it and other parties related to the  Certificates are relying
and will  continue to rely on the  statements  made  herein  because one or more
sales to the Buyer may be in reliance on Rule 144A.
<PAGE>

                           Will the Buyer be purchasing the Rule 144A
Yes           No           Securities only for the Buyer's own account?

6. If the answer to the  foregoing  question is "no",  the Buyer agrees that, in
connection  with any purchase of securities sold to the Buyer for the account of
a third party  (including  any separate  account) in reliance on Rule 144A,  the
Buyer will only  purchase for the account of a third party that at the time is a
"qualified  institutional  buyer"  within the meaning of Rule 144A. In addition,
the Buyer agrees that the Buyer will not purchase  securities  for a third party
unless the Buyer has  obtained a current  representation  letter from such third
party or taken other  appropriate  steps  contemplated  by Rule 144A to conclude
that  such  third  party   independently  meets  the  definition  of  "qualified
institutional buyer" set forth in Rule 144A.

7. The Buyer will notify each of the parties to which this certification is made
of any changes in the information and conclusions  herein.  Until such notice is
given,   the  Buyer's  purchase  of  Rule  144A  Securities  will  constitute  a
reaffirmation of this certification as of the date of such purchase.

                               Print Name of Buyer

                                            By:
                                                 -------------------------------
                                      Name:
                                     Title:

                                            Date:
                                                 -------------------------------

<PAGE>

                              ANNEX 2 TO EXHIBIT J

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

              [For Buyers That Are Registered Investment Companies]

               The  undersigned  hereby  certifies as follows in connection with
the Rule 144A Investment Representation to which this Certification is attached:

8. As indicated below, the undersigned is the President, Chief Financial Officer
or  Senior  Vice  President  of the  Buyer  or,  if the  Buyer  is a  "qualified
institutional  buyer" as that term is defined in Rule 144A under the  Securities
Act of 1933  ("Rule  144A")  because  Buyer  is part of a Family  of  Investment
Companies (as defined below), is such an officer of the Adviser.

9.  In  connection   with  purchases  by  Buyer,   the  Buyer  is  a  "qualified
institutional  buyer" as  defined in SEC Rule 144A  because  (i) the Buyer is an
investment company registered under the Investment Company Act of 1940, and (ii)
as marked below, the Buyer alone, or the Buyer's Family of Investment Companies,
owned at least  $100,000,000 in securities  (other than the excluded  securities
referred to below) as of the end of the Buyer's  most recent  fiscal  year.  For
purposes  of  determining  the  amount of  securities  owned by the Buyer or the
Buyer's Family of Investment Companies, the cost of such securities was used.

--             The  Buyer  owned  $  in  securities  (other  than  the  excluded
               securities  referred to below) as of the end of the Buyer's  most
               recent  fiscal year (such amount being  calculated  in accordance
               with Rule 144A).

--             The Buyer is part of a Family of Investment Companies which owned
               in  the  aggregate  $ in  securities  (other  than  the  excluded
               securities  referred to below) as of the end of the Buyer's  most
               recent  fiscal year (such amount being  calculated  in accordance
               with Rule 144A).

10. The term "Family of  Investment  Companies" as used herein means two or more
registered   investment  companies  (or  series  thereof)  that  have  the  same
investment  adviser or  investment  advisers that are  affiliated  (by virtue of
being majority owned  subsidiaries  of the same parent or because one investment
adviser is a majority owned subsidiary of the other).

11. The term  "securities"  as used herein does not  include (i)  securities  of
issuers that are affiliated  with the Buyer or are part of the Buyer's Family of
Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii)
loan  participations,  (iv)  repurchase  agreements,  (v)  securities  owned but
subject to a repurchase agreement and (vi) currency, interest rate and commodity
swaps.

12.  The  Buyer is  familiar  with Rule  144A and  understands  that each of the
parties to which this  certification  is made are relying  and will  continue to
rely on the  statements  made herein because one or more sales to the Buyer will
be in reliance on Rule 144A.  In addition,  the Buyer will only purchase for the
Buyer's own account.
<PAGE>

13. The undersigned will notify each of the parties to which this  certification
is made of any changes in the  information and  conclusions  herein.  Until such
notice,  the  Buyer's  purchase  of  Rule  144A  Securities  will  constitute  a
reaffirmation  of this  certification  by the undersigned as of the date of such
purchase.

                               Print Name of Buyer

                                            By:
                                                 -------------------------------
                                                 Name:
                                                      --------------------------
                                                 Title:
                                                       -------------------------

                                            IF AN ADVISER:

                               Print Name of Buyer

                                            Date:
                                                 -------------------------------

<PAGE>

                                    EXHIBIT K

                   [TEXT OF AMENDMENT TO POOLING AND SERVICING
                  AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A
                                LIMITED GUARANTY]

                                   ARTICLE XII

             Subordinate Certificate Loss Coverage; Limited Guaranty

               Section 12.01.  Subordinate  Certificate  Loss Coverage;  Limited
Guaranty.  (a) Subject to subsection (c) below,  prior to the later of the third
Business Day prior to each Distribution Date or the related  Determination Date,
the Master  Servicer  shall  determine  whether it or any  Sub-Servicer  will be
entitled to any  reimbursement  pursuant to Section 4.02(a) on such Distribution
Date for Advances or Sub-Servicer  Advances  previously made, (which will not be
Advances or Sub-Servicer  Advances that were made with respect to  delinquencies
which were  subsequently  determined to be Excess Special Hazard Losses,  Excess
Fraud Losses,  Excess Bankruptcy Losses or Extraordinary Losses) and, if so, the
Master Servicer shall demand payment from Residential Funding of an amount equal
to the amount of any Advances or Sub-Servicer  Advances  reimbursed  pursuant to
Section 4.02(a),  to the extent such Advances or Sub-Servicer  Advances have not
been included in the amount of the Realized Loss in the related  Mortgage  Loan,
and  shall  distribute  the same to the Class B  Certificateholders  in the same
manner as if such amount were to be distributed pursuant to Section 4.02(a).

               (b) Subject to  subsection  (c) below,  prior to the later of the
third Business Day prior to each Distribution Date or the related  Determination
Date, the Master  Servicer shall  determine  whether any Realized  Losses (other
than Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses
and Extraordinary  Losses) will be allocated to the Class B Certificates on such
Distribution  Date  pursuant to Section  4.05,  and, if so, the Master  Servicer
shall demand  payment from  Residential  Funding of the amount of such  Realized
Loss and shall distribute the same to the Class B Certificateholders in the same
manner as if such amount  were to be  distributed  pursuant to Section  4.02(a);
provided, however, that the amount of such demand in respect of any Distribution
Date shall in no event be greater than the sum of (i) the  additional  amount of
Accrued  Certificate  Interest  that  would  have  been  paid  for  the  Class B
Certificateholders  on such  Distribution  Date had such Realized Loss or Losses
not occurred plus (ii) the amount of the reduction in the Certificate  Principal
Balances  of the  Class B  Certificates  on such  Distribution  Date due to such
Realized  Loss or Losses.  Notwithstanding  such payment,  such Realized  Losses
shall be deemed to have been borne by the  Certificateholders  for  purposes  of
Section  4.05.  Excess  Special  Hazard  Losses,  Excess  Fraud  Losses,  Excess
Bankruptcy Losses and Extraordinary Losses allocated to the Class B Certificates
will not be covered by the Subordinate Certificate Loss Obligation.

               (c) Demands for payments  pursuant to this Section  shall be made
prior to the later of the third Business Day prior to each  Distribution Date or
the  related  Determination  Date by the Master  Servicer  with  written  notice
thereof to the Trustee.  The maximum  amount that  Residential  Funding shall be
required to pay pursuant to this Section on any  Distribution  Date (the "Amount

<PAGE>

Available")  shall  be  equal  to the  lesser  of (X)  minus  the sum of (i) all
previous  payments made under  subsections (a) and (b) hereof and (ii) all draws
under the Limited  Guaranty made in lieu of such payments as described  below in
subsection (d) and (Y) the then outstanding  Certificate  Principal  Balances of
the Class B Certificates, or such lower amount as may be established pursuant to
Section 12.02.  Residential  Funding's  obligations as described in this Section
are referred to herein as the "Subordinate Certificate Loss Obligation."

               (d) The Trustee will promptly  notify General  Motors  Acceptance
Corporation of any failure of Residential Funding to make any payments hereunder
and  shall  demand  payment  pursuant  to the  limited  guaranty  (the  "Limited
Guaranty"),  executed by General Motors Acceptance  Corporation,  of Residential
Funding's  obligation  to make payments  pursuant to this Section,  in an amount
equal to the lesser of (i) the Amount Available and (ii) such required payments,
by  delivering to General  Motors  Acceptance  Corporation a written  demand for
payment by wire  transfer,  not later than the second  Business Day prior to the
Distribution Date for such month, with a copy to the Master Servicer.

               (e) All payments  made by  Residential  Funding  pursuant to this
Section or amounts paid under the Limited  Guaranty shall be deposited  directly
in the Certificate  Account,  for distribution on the Distribution Date for such
month to the Class B Certificateholders.

               (f) The Company shall have the option, in its sole discretion, to
substitute  for  either  or  both of the  Limited  Guaranty  or the  Subordinate
Certificate  Loss  Obligation  another  instrument  in the  form of a  corporate
guaranty,  an irrevocable  letter of credit, a surety bond,  insurance policy or
similar  instrument  or a reserve fund;  provided  that (i) the Company  obtains
(subject to the provisions of Section 10.01(f) as if the Company was substituted
for the Master Servicer solely for the purposes of such provision) an Opinion of
Counsel (which need not be an opinion of Independent counsel) to the effect that
obtaining such  substitute  corporate  guaranty,  irrevocable  letter of credit,
surety bond,  insurance  policy or similar  instrument  or reserve fund will not
cause  either (a) any  federal  tax to be imposed on the Trust  Fund,  including
without limitation,  any federal tax imposed on "prohibited  transactions" under
Section  860(F)(a)(1) of the Code or on  "contributions  after the startup date"
under Section  860(G)(d)(1) of the Code or (b) the Trust Fund to fail to qualify
as a REMIC at any time that any  Certificate  is  outstanding,  and (ii) no such
substitution  shall  be made  unless  (A) the  substitute  Limited  Guaranty  or
Subordinate  Certificate  Loss Obligation is for an initial amount not less than
the then  current  Amount  Available  and  contains  provisions  that are in all
material  respects  equivalent to the original  Limited  Guaranty or Subordinate
Certificate   Loss   Obligation   (including   that  no  portion  of  the  fees,
reimbursements  or other  obligations under any such instrument will be borne by
the Trust  Fund),  (B) the long  term debt  obligations  of any  obligor  of any
substitute  Limited Guaranty or Subordinate  Certificate Loss Obligation (if not
supported by the Limited Guaranty) shall be rated at least the lesser of (a) the
rating  of  the  long  term  debt  obligations  of  General  Motors   Acceptance
Corporation  as of the date of  issuance  of the  Limited  Guaranty  and (b) the
rating  of  the  long  term  debt  obligations  of  General  Motors   Acceptance
Corporation at the date of such substitution and (C) the Company obtains written
confirmation from each nationally recognized credit rating agency that rated the
Class B Certificates at the request of the Company that such substitution  shall
not lower the  rating on the Class B  Certificates  below the  lesser of (a) the
then-current  rating  assigned to the Class B Certificates by such rating agency
and (b) the original  rating assigned to the Class B Certificates by such rating

<PAGE>

agency. Any replacement of the Limited Guaranty or Subordinate  Certificate Loss
Obligation pursuant to this Section shall be accompanied by a written Opinion of
Counsel to the substitute guarantor or obligor, addressed to the Master Servicer
and the Trustee, that such substitute instrument  constitutes a legal, valid and
binding  obligation  of the  substitute  guarantor  or obligor,  enforceable  in
accordance  with its terms,  and  concerning  such  other  matters as the Master
Servicer and the Trustee  shall  reasonably  request.  Neither the Company,  the
Master  Servicer nor the Trustee shall be obligated to substitute for or replace
the Limited  Guaranty  or  Subordinate  Certificate  Loss  Obligation  under any
circumstance.

               Section  12.02.  Amendments  Relating  to the  Limited  Guaranty.
Notwithstanding  Sections 11.01 or 12.01: (i) the provisions of this Article XII
may be amended,  superseded or deleted, (ii) the Limited Guaranty or Subordinate
Certificate Loss Obligation may be amended,  reduced or canceled,  and (iii) any
other  provision of this Agreement which is related or incidental to the matters
described  in this  Article  XII may be amended in any  manner;  in each case by
written  instrument  executed or  consented  to by the  Company and  Residential
Funding but without the consent of any Certificateholder and without the consent
of the Master  Servicer or the Trustee being required  unless any such amendment
would impose any  additional  obligation on, or otherwise  adversely  affect the
interests of, the Master Servicer or the Trustee,  as applicable;  provided that
the Company shall also obtain a letter from each  nationally  recognized  credit
rating agency that rated the Class B Certificates  at the request of the Company
to the effect that such amendment,  reduction, deletion or cancellation will not
lower  the  rating  on the  Class B  Certificates  below  the  lesser of (a) the
then-current  rating  assigned to the Class B Certificates by such rating agency
and (b) the original  rating assigned to the Class B Certificates by such rating
agency, unless (A) the Holder of 100% of the Class B Certificates is Residential
Funding  or  an  Affiliate  of  Residential  Funding,  or  (B)  such  amendment,
reduction,  deletion or cancellation is made in accordance with Section 11.01(e)
and,  provided  further that the Company  obtains  (subject to the provisions of
Section  10.01(f)  as if the  Company was  substituted  for the Master  Servicer
solely for the purposes of such provision),  in the case of a material amendment
or  supercession  (but not a reduction,  cancellation or deletion of the Limited
Guaranty or the Subordinate Certificate Loss Obligation),  an Opinion of Counsel
(which  need not be an opinion of  Independent  counsel)  to the effect that any
such amendment or  supercession  will not cause either (a) any federal tax to be
imposed on the Trust Fund, including without limitation, any federal tax imposed
on  "prohibited  transactions"  under  Section  860F(a)(1)  of  the  Code  or on
"contributions  after the startup date" under Section  860G(d)(1) of the Code or
(b) the  Trust  Fund to  fail  to  qualify  as a  REMIC  at any  time  that  any
Certificate is outstanding.  A copy of any such instrument  shall be provided to
the Trustee and the Master  Servicer  together  with an Opinion of Counsel  that
such amendment complies with this Section 12.02.

<PAGE>

                                    EXHIBIT L

                           [FORM OF LIMITED GUARANTY]

                                LIMITED GUARANTY

                        RESIDENTIAL ACCREDIT LOANS, INC.

                 Mortgage Asset-Backed Pass-Through Certificates
                                 Series ____-___

                                                            , 200
                                                ------------     ----

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

Ladies and Gentlemen:

               WHEREAS,  Residential Funding Corporation, a Delaware corporation
("Residential  Funding"),  an indirect wholly-owned subsidiary of General Motors
Acceptance Corporation,  a New York corporation ("GMAC"), plans to incur certain
obligations  as  described  under  Section  12.01 of the Pooling  and  Servicing
Agreement  dated as of ___________ 1, ____ (the  "Servicing  Agreement"),  among
Residential  Accredit  Loans,  Inc.  (the  "Company"),  Residential  Funding and
__________________ (the "Trustee") as amended by Amendment No. thereto, dated as
of , with respect to the Mortgage Asset-Backed Pass-Through Certificates, Series
____-___ (the "Certificates"); and

               WHEREAS,  pursuant to Section 12.01 of the  Servicing  Agreement,
Residential  Funding  agrees  to make  payments  to the  Holders  of the Class B
Certificates  with respect to certain  losses on the Mortgage Loans as described
in the Servicing Agreement; and

               WHEREAS,  GMAC desires to provide certain assurances with respect
to the ability of Residential  Funding to secure sufficient funds and faithfully
to perform its Subordinate Certificate Loss Obligation;

               NOW THEREFORE,  in consideration of the premises herein contained
and  certain  other good and  valuable  consideration,  the  receipt of which is
hereby acknowledged, GMAC agrees as follows:

1.  Provision  of  Funds.  (a) GMAC  agrees to  contribute  and  deposit  in the
Certificate  Account on behalf of Residential  Funding (or otherwise  provide to
Residential  Funding, or to cause to be made available to Residential  Funding),
either  directly  or  through a  subsidiary,  in any case  prior to the  related
Distribution  Date,  such moneys as may be required  by  Residential  Funding to
perform its Subordinate  Certificate Loss Obligation when and as the same arises
from time to time upon the demand of the  Trustee  in  accordance  with  Section
12.01 of the Servicing Agreement.

<PAGE>

               (b) The agreement set forth in the preceding  clause (a) shall be
absolute,  irrevocable  and  unconditional  and  shall  not be  affected  by the
transfer by GMAC or any other person of all or any part of its or their interest
in Residential  Funding,  by any  insolvency,  bankruptcy,  dissolution or other
proceeding affecting  Residential Funding or any other person, by any defense or
right of  counterclaim,  set-off  or  recoupment  that  GMAC  may  have  against
Residential  Funding or any other  person or by any other fact or  circumstance.
Notwithstanding  the  foregoing,  GMAC's  obligations  under  clause  (a)  shall
terminate  upon  the  earlier  of (x)  substitution  for this  Limited  Guaranty
pursuant to Section 12.01(f) of the Servicing Agreement,  or (y) the termination
of the Trust Fund pursuant to the Servicing Agreement.

2. Waiver.  GMAC hereby  waives any failure or delay on the part of  Residential
Funding, the Trustee or any other person in asserting or enforcing any rights or
in making any claims or demands hereunder.  Any defective or partial exercise of
any such rights shall not preclude any other or further  exercise of that or any
other such right.  GMAC further waives demand,  presentment,  notice of default,
protest, notice of acceptance and any other notices with respect to this Limited
Guaranty,  including,  without  limitation,  those of action or nonaction on the
part of Residential Funding or the Trustee.

3.  Modification,  Amendment  and  Termination.  This  Limited  Guaranty  may be
modified,  amended or terminated  only by the written  agreement of GMAC and the
Trustee and only if such  modification,  amendment or  termination  is permitted
under Section 12.02 of the Servicing  Agreement.  The  obligations of GMAC under
this  Limited  Guaranty  shall  continue  and  remain  in  effect so long as the
Servicing  Agreement is not modified or amended in any way that might affect the
obligations  of GMAC under  this  Limited  Guaranty  without  the prior  written
consent of GMAC.

4.  Successor.  Except as otherwise  expressly  provided  herein,  the guarantee
herein set forth shall be binding upon GMAC and its respective successors.

5.  Governing  Law. This Limited  Guaranty  shall be governed by the laws of the
State of New York.

6.  Authorization  and Reliance.  GMAC  understands  that a copy of this Limited
Guaranty  shall be delivered to the Trustee in connection  with the execution of
Amendment  No. 1 to the  Servicing  Agreement  and GMAC  hereby  authorizes  the
Company  and the  Trustee  to rely on the  covenants  and  agreements  set forth
herein.

7.  Definitions.  Capitalized  terms used but not otherwise defined herein shall
have the meaning given them in the Servicing Agreement.

8.  Counterparts.  This  Limited  Guaranty  may be  executed  in any  number  of
counterparts,  each  of  which  shall  be  deemed  to be an  original  and  such
counterparts shall constitute but one and the same instrument.
<PAGE>

               IN WITNESS  WHEREOF,  GMAC has caused this Limited Guaranty to be
executed and delivered by its respective  officers  thereunto duly authorized as
of the day and year first above written.

                                            GENERAL MOTORS ACCEPTANCE
                                            CORPORATION

                                            By:
                                               --------------------------------
                                            Name:
                                                 ------------------------------
                                            Title:
                                                  -----------------------------

Acknowledged by:

------------------,
    as Trustee

By:
   ------------------------------------------------
Name:
     ----------------------------------------------
Title:
      ---------------------------------------------

RESIDENTIAL ACCREDIT LOANS, INC.

By:
   ------------------------------------------------
Name:
     ----------------------------------------------
Title:
      ---------------------------------------------

<PAGE>

                                    EXHIBIT M

          FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN

                                                            , 20
                                                   ---------    --------

Residential Accredit Loans, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota  55437

==================
------------------

Attention:  Residential Funding Corporation Series ____-___

               Re:    Mortgage Asset-Backed Pass-Through Certificates, Series
                                                                       -------
                      ____-___ Assignment of Mortgage Loan

Ladies and Gentlemen:

     This letter is delivered to you in connection  with the  assignment by (the
"Trustee")  to (the  "Lender")  of (the  "Mortgage  Loan")  pursuant  to Section
3.13(d) of the Pooling and  Servicing  Agreement  (the  "Pooling  and  Servicing
Agreement"),  dated as of ___________ 1, ____ among Residential  Accredit Loans,
Inc., as seller (the  "Company"),  Residential  Funding  Corporation,  as master
servicer, and the Trustee. All terms used herein and not otherwise defined shall
have the meanings set forth in the Pooling and Servicing  Agreement.  The Lender
hereby  certifies,  represents  and warrants to, and covenants  with, the Master
Servicer and the Trustee that:

(i) the Mortgage Loan is secured by Mortgaged Property located in a jurisdiction
in which an  assignment  in lieu of  satisfaction  is required to preserve  lien
priority,  minimize or avoid mortgage  recording taxes or otherwise comply with,
or facilitate a refinancing under, the laws of such jurisdiction;

(ii) the substance of the assignment is, and is intended to be, a refinancing of
such Mortgage Loan and the form of the  transaction is solely to comply with, or
facilitate the transaction under, such local laws;

(iii) the Mortgage Loan  following the proposed  assignment  will be modified to
have a rate of  interest  at least  0.25  percent  below  or  above  the rate of
interest on such Mortgage Loan prior to such proposed assignment; and

(iv) such  assignment  is at the  request  of the  borrower  under  the  related
     Mortgage Loan.

                                Very truly yours,

                                            (Lender)

                                            By:
                                               ---------------------------------
                                            Name:
                                                 -------------------------------
                                            Title:
                                                  ------------------------------

<PAGE>

                                               1

                                    EXHIBIT N

                          FORM OF REQUEST FOR EXCHANGE

                                             [DATE]

==================
------------------

               Re:    Residential Accredit Loans, Inc.,
                      Mortgage Asset-Backed Pass-Through Certificates,
                      Series ____-___

               Residential Funding Corporation,  as the Holder of a % Percentage
Interest of the [Interest Only/Class A-V][-1] Certificates,  hereby requests the
Trustee  to  exchange  the  above-referenced  Certificates  for  the  Subclasses
referred to below:

1.   [Interest  Only/Class  A-V]-  Certificates,  corresponding to the following
     Uncertificated REMIC Regular Interests:  [List numbers corresponding to the
     related  loans and Pool Strip Rates from the Mortgage Loan  Schedule].  The
     initial Subclass  Notional Amount and the Initial  Pass-Through Rate on the
     [Interest Only/Class A-V]- Certificates will be $ and %, respectively.

2.      [Repeat as appropriate.]

               The  Subclasses  requested  above will represent in the aggregate
all of the Uncertificated  REMIC Regular Interests  represented by the [Interest
Only/Class A-V][-1] Certificates surrendered for exchange.

               All capitalized  terms used but not defined herein shall have the
meanings  set  forth  in  the  Pooling  and  Servicing  Agreement,  dated  as of
___________ 1, ____, among Residential Accredit Loans, Inc., Residential Funding
Corporation and __________________, as trustee.

                                            RESIDENTIAL FUNDING CORPORATION

                                            By:
                                               ---------------------------------
                                            Name:
                                            Title:

<PAGE>

<PAGE>

                                  EXHIBIT FIVE

                         FORM OF FORM 10-K CERTIFICATION

        I, [identify the certifying individual], certify that:

        1. I have  reviewed  the annual  report on Form 10-K for the fiscal year
[____], and all reports on Form 8-K containing distribution or servicing reports
filed in respect of periods  included in the year covered by that annual report,
of the trust (the  "Trust")  created  pursuant  to the Series  Supplement  dated
___________________  to the Standard  Terms of Pooling and  Servicing  Agreement
dated  ____________________  (together,  the "P&S Agreement")  among Residential
Accredit Loans,  Inc. (the  "Company"),  Residential  Funding  Corporation  (the
"Master Servicer") and [Name of Trustee] (the "Trustee");

        2. Based on my knowledge,  the information in these reports,  taken as a
whole, does not contain any untrue statement of a material fact or omit to state
a  material  fact  necessary  to make  the  statements  made,  in  light  of the
circumstances  under which such  statements  were made, not misleading as of the
last day of the period covered by this annual report;

        3. Based on my  knowledge,  the  servicing  information  required  to be
provided  to the  Trustee by the Master  Servicer  under the P&S  Agreement  for
inclusion in these reports is included in these reports;

        4. I am responsible for reviewing the activities performed by the Master
Servicer  under the P&S  Agreement  and based upon my  knowledge  and the annual
compliance review required under the P&S Agreement,  and, except as disclosed in
the reports,  the Master  Servicer has fulfilled its  obligations  under the P&S
Agreement; and

        5. The reports  disclose all  significant  deficiencies  relating to the
Master Servicer's compliance with the minimum servicing standards based upon the
report provided by an independent public  accountant,  after conducting a review
in compliance with the Uniform Single  Attestation  Program for Mortgage Bankers
as set forth in the P&S Agreement, that is included in these reports.

        In giving the  certifications  above,  I have  reasonably  relied on the
information provided to me by the following unaffiliated parties: [the Trustee].

Date:_______________________

____________________________*
Name:
Title:

*    to be signed by the senior officer in charge of the servicing  functions of
     the Master Servicer

<PAGE>

                                   EXHIBIT SIX

                   [FORM OF BACK-UP CERTIFICATION TO FORM 10-K CERTIFICATE]

     The  undersigned,  a Responsible  Officer of  [_________]  (the  "Trustee")
certifies that:

        (a) The Trustee has performed all of the duties specifically required to
be  performed  by it pursuant  to the  provisions  of the Pooling and  Servicing
Agreement  dated  as  of  [_________],  2003  (the  "Agreement")  by  and  among
[__________], as depositor, Residential Funding Corporation, as master servicer,
and the Trustee in accordance with the standards set forth therein.

        (b) Based on my  knowledge,  the  information  that is  provided  by the
Trustee  pursuant to Section  4.03(e)(I)  of the Agreement is accurate as of the
last day of the 20[ ] calendar year.

        Capitalized  terms used and not defined  herein  shall have the meanings
given such terms in the Agreement.

     IN WITNESS WHEREOF,  I have duly executed this certificate as of _________,
20__.

                                        Name:_______________________________
                                        Title:

<PAGE>

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