Document:

EXHIBIT 10.5 

 

EXECUTION COPY

 

ASSIGNMENT OF REPRESENTATIONS AND WARRANTIES
AGREEMENT

 

This is an Assignment
of Representations and Warranties Agreement (the “Agreement”) made as of the 21st day of September, 2012, among Redwood
Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc., a Delaware
corporation (“Depositor”), Christiana Trust, a division of Wilmington Savings Fund Society, FSB, a federal savings
bank, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” or the “Assignee”)
under a Pooling and Servicing Agreement dated as of September 1, 2012 (the “Pooling and Servicing Agreement”), and
PrimeLending, a PlainsCapital Company, a Texas corporation (“PrimeLending”).

 

In consideration of
the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Mortgage Loans”) listed
on Attachment 1 annexed hereto (the “Mortgage Loan Schedule”) are subject to the terms of the Flow Mortgage Loan Purchase
and Sale Agreement dated as of January 30, 2011, between Assignor and PrimeLending (the “Purchase Agreement”) as modified
or supplemented by this Agreement. Unless otherwise specified herein, capitalized terms used herein but not defined shall have
the meanings ascribed to them in the Purchase Agreement. Assignor will sell the Mortgage Loans to Depositor pursuant to a Mortgage
Loan Purchase and Sale Agreement dated the date hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the
Pooling and Servicing Agreement.

 

Assignment 

 

1.          Assignor
hereby grants, transfers and assigns to Depositor all of its right, title and interest in, to and under the representations and
warranties made by PrimeLending pursuant to the Purchase Agreement to the extent relating to the Mortgage Loans, and Depositor
hereby accepts such assignment from Assignor.

 

2.          Depositor
hereby grants, transfers and assigns to Assignee all of its right, title and interest in, to and under the representations and
warranties made by PrimeLending pursuant to the Purchase Agreement to the extent relating to the Mortgage Loans, Depositor is released
from all obligations under the Purchase Agreement, and Assignee hereby accepts such assignment from Depositor.

 

3.          PrimeLending
hereby acknowledges the foregoing assignments.

 

Representations and Warranties

 

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

 

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

 

    	 

    	 

    

 

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

 

(c)          There
are no offsets, counterclaims or other defenses available to PrimeLending with respect to the Purchase Agreement;

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

Restated PrimeLending Representations
and Warranties

 

8.          Pursuant
to Section 32(d) of the Purchase Agreement, PrimeLending hereby restates to Depositor and Assignee (a) the representations and
warranties set forth in Subsection 7.01 of the Purchase Agreement as of the related Closing Date and (b) the representations
and warranties set forth in Subsection 7.02 of the Purchase Agreement as of the date hereof, as if such representations and warranties
were set forth herein in full.

 

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In the event of a breach
of any representations and warranties referred to in clauses (a) or (b) above as of the related Closing Date or the date hereof,
as the case may be, Assignee shall be entitled to all the remedies under the Purchase Agreement, including, without limitation,
the right to compel PrimeLending to repurchase Mortgage Loans pursuant to Section 7.03 of the Purchase Agreement, subject to the
provisions of Section 10.

 

Recognition of Assignee

 

9.          From
and after the date hereof, subject to Section 10 below, PrimeLending shall recognize Assignee as owner of the Mortgage Loans and
will perform its obligations hereunder for the benefit of the Assignee in accordance with the Purchase Agreement, as modified hereby
or as may be amended from time to time, as if Assignee and PrimeLending had entered into a separate purchase agreement for the
purchase of the Mortgage Loans in the form of the Purchase Agreement, the terms of which are incorporated herein by reference,
as amended by this Agreement.

 

Enforcement of Rights 

 

10.         (a)          Controlling
Holder Rights. PrimeLending agrees and acknowledges that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor,
in its capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the
Controlling Holder, will exercise all of Assignee's rights as Purchaser under the following section of the Purchase Agreement:

 

Purchase
Agreement:

 

	Section or Subsection	 	Matter
	 	 	 
	7.03, other than 7.03(c)	 	
        Repurchase and
Substitution 

 

(b)          If
there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights that are to be exercised by the Controlling
Holder pursuant to Section 10(a) shall be exercised by Assignee.

 

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Amendments to Purchase Agreement

 

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

 

(a)          Definitions.

 

(i)          The
definitions of “Arbitration,” “Business Day” and “Repurchase Price” set forth in Section 1
of the Purchase Agreement shall be deleted and replaced in their entirety as follows:

 

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

 

Business
Day: Any day other than (i) a Saturday or a Sunday, (ii) a legal holiday in the states of California, Delaware, Maryland, Minnesota,
Missouri, New York or Texas, (iii) a day on which banks in the states of California, Delaware, Maryland, Minnesota, Missouri, New
York or Texas, are authorized or obligated by law or executive order to be closed or (iv) a day on which the New York Stock Exchange
or the Federal Reserve Bank of New York is closed.         

 

Repurchase
Price: With respect to any Mortgage Loan, a price equal to (i) the unpaid principal balance of the Mortgage Loan, plus (ii) interest
on such unpaid principal balance at the related Mortgage Interest Rate from the last date through which interest was last paid
by or on behalf of the Mortgagor to the last day of the month in which such repurchase occurs, plus (iii) reasonable and customary
third party expenses incurred in connection with the transfer of the Mortgage Loan being repurchased, minus (iv) any amounts received
in respect of such repurchased Mortgage Loan and being held for future distribution in connection with such Mortgage Loan.

 

(b)          The
following sentence shall be added as the new third sentence of Subsection 7.03(a):

 

Each determination as to whether
there has been such a breach shall be conducted on a Mortgage Loan-by-Mortgage Loan basis.

 

(c)          The
rights under the Purchase Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be under the Purchase
Agreement as amended by this Agreement.

 

Miscellaneous

 

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

 

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(a)          In
the case of PrimeLending,

 

PrimeLending, a PlainsCapital
Company

18111 Preston Road, Suite
900

Dallas, Texas 75252

Attention: Mr. Scott
Eggen, SVP

Phone: 972-248-7866

 

with a copy to the General
Counsel at the same address

 

(b)          In
the case of Assignee,

 

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

500 Delaware Avenue,
11th Floor

Wilmington, Delaware,
19801

Attention: Corporate
Trust

 

(c)          In
the case of Depositor,

 

Sequoia Residential Funding,
Inc.

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

(d)          In
the case of Assignor,

 

Redwood Residential Acquisition
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

(e)          In
the case of Master Servicer,

 

Wells Fargo Bank, N.A.

9062 Old Annapolis Road

Columbia, Maryland 21045)

Telephone number: (410)
884-2000

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Facsimile number: (410)
715-2380

Attention: Client Manager
— Sequoia Mortgage Trust 2012-4

 

(f)          In
the case of the initial Controlling Holder,

 

Sequoia Mortgage Funding
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

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

 

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

 

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

 

16.         This
Agreement shall survive the conveyance of the Mortgage Loans, the assignment of the representations and warranties made by PrimeLending
pursuant to the Purchase Agreement to the extent of the Mortgage Loans by Assignor to Depositor and by Depositor to Assignee, and
the termination of the Purchase Agreement.

 

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

 

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

 

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

 

20.         Master
Servicer. PrimeLending hereby acknowledges that the Assignee has appointed Wells Fargo Bank, N.A. to act as master servicer
and securities administrator under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, demands, instructions,
authorizations and other communications from the Master Servicer as if the same had been received from the Assignee. The Master
Servicer, acting on behalf of the Assignee, shall have the rights of the Assignee as the Purchaser under this Agreement, including,
without limitation, the right to enforce the obligations of PrimeLending hereunder and under the Purchase Agreement and the right
to exercise the remedies of the Purchaser hereunder and under the Purchase Agreement.

 

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

 

Wells Fargo Bank, N.A.

San Francisco, California

ABA# 121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #48174300, Sequoia
Mortgage Trust 2012-4 Distribution Account

 

21.         PrimeLending
acknowledges that the custodian will be Wells Fargo Bank, N.A. acting pursuant to the Custodial Agreement. Notwithstanding Section
10 of the Purchase Agreement, PrimeLending shall pay shipping expenses for any Mortgage Loan Documents if there has been a breach
of any representation or warranty made with respect to the related Mortgage Loan in Subsection 7.01 of the Purchase Agreement.

 

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22.         Rule
17g-5 Compliance. PrimeLending hereby agrees that it shall provide information with respect to the Mortgage Loans or the origination
thereof to any Rating Agency or nationally recognized statistical rating organization (“NRSRO”) via electronic mail
at rmbs17g5informationprovider@wellsfargo.com, with a subject reference of “SEMT 2012-4” and an identification of the
type of information being provided in the body of such electronic mail. The Securities Administrator, as the initial Rule 17g-5
Information Provider (the “Rule 17g-5 Information Provider”) shall notify PrimeLending in writing of any change in
the identity or contact information of the Rule 17g-5 Information Provider. PrimeLending shall have no liability for (i) the Rule
17g-5 Information Provider’s failure to post information provided by it in accordance with the terms of this Agreement or
(ii) any malfunction or disabling of the website maintained by the Rule 17g-5 Information Provider. None of the foregoing restrictions
in this Section 22 prohibit or restrict oral or written communications, or providing information, between PrimeLending, on the
one hand, and any Rating Agency or NRSRO, on the other hand, with regard to (i) such Rating Agency’s or NRSRO’s review
of the ratings it assigns to PrimeLending or (ii) such Rating Agency’s or NRSRO’s evaluation of PrimeLending’s
operations in general; provided, however, that PrimeLending shall not provide any information relating to the Mortgage Loans to
such Rating Agency or NRSRO in connection with such review and evaluation by such Rating Agency or NRSRO unless: (x) borrower,
property or deal specific identifiers are redacted; or (y) such information has already been provided to the Rule 17g-5 Information
Provider.

 

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

 

	 	REDWOOD RESIDENTIAL ACQUISITION
 CORPORATION
	 	Assignor
	 	 	 
	 	By:	/s/ John Isbrandtsen
	 	Name:	John Isbrandtsen 
	 	Title:	Authorized Officer
	 	 	 
	 	SEQUOIA RESIDENTIAL FUNDING, INC.
	 	Depositor
	 	 	 
	 	By:	/s/ John Isbrandtsen 
	 	Name:	John Isbrandtsen  
	 	Title:	Authorized Officer 
	 	 	 
	 	Christiana Trust, a division of
 Wilmington Savings Fund Society,
    FSB,
 not in its individual capacity but solely as Trustee,
	 	Assignee
	 	 	 
	 	By:	/s/ Jeffrey R. Everhart
	 	Name:	Jeffrey R. Everhart 
	 	Title:	AVP
	 	 	 
	 	PRIMELENDING, A PLAINSCAPITAL COMPANY
	 	 	 
	 	By:	/s/ Scott Eggen
	 	Name:	Scott Eggen 
	 	Title:	SVP Capital Markets

 

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

 

Signature
Page – Assignment of Representations and Warranties – PrimeLending (SEMT 2012-4)

 

    	 

    	 

    

 

ATTACHMENT 1

 

MORTGAGE LOAN SCHEDULE

 

	Primary

    Servicer	 	Servicing
    Fee %	 	Servicing

    Fee—Flatdollar	 	Servicing
    Advance
 Methodology	 	Originator	 	Loan
    Group	 	Loan
    Number	 	Amortization
    Type	 	Lien
    Position	 	HELOC

    Indicator
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2017605389	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2017605480	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2036607780	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2042603853	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2045701846	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2071604039	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2071604353	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2096601624	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2117601808	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2117602764	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2123700896	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2123700926	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2131701122	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2131701244	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2136600394	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2138603379	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2153601597	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2154601272	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2154601577	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2156602122	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2186600308	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2210600914	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2212602280	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2218601800	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2239600172	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2244701901	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2254600198	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2265600062	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2278600206	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	2333600158	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	3006614589	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	3602601465	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	3602601552	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	3602601554	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	3679601726	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	3721600152	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	3726600995	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	3726601058	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	6005600438	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	6007600110	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	6007600118	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	6014600565	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	6015600392	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	6018600057	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	6027600033	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	7000604261	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	20031100064	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	20171100684	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	20171100685	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	20361100071	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	20631100984	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	20631101021	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	20631101052	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	20981100024	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	21351100429	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	21391100240	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	21411100265	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	21531100019	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	21531100099	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	21981100432	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	22891100332	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	23041100814	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	23191100006	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	30521100410	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	30521100434	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	30521100453	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	30521100462	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	30521100507	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	22831100222	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000536	 	 	 	36431100240	 	1	 	1	 	0

 

    	 

    	 

    

 

	Loan
    Purpose	 	Cash
    Out

    Amount	 	Total
    Origination

    and Discount

    Points	 	Covered/High
    Cost

    Loan Indicator	 	Relocation
    Loan

    Indicator	 	Broker
    Indicator	 	Channel	 	Escrow
    

    Indicator	 	Senior
    Loan

    Amount(s)	 	Loan
    Type of Most

    Senior Lien
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	3	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	6	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	3	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	3	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	3	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	6	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	6	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 

 

    	 

    	 

    

 

	Hybrid
    Period of

    Most Senior Lien

    (in

    months)	 	Neg
    Am Limit of

    Most Senior Lien	 	Junior
    Mortgage

    Balance	 	Origination
    Date of

    Most Senior Lien	 	Origination
    Date	 	Original
    Loan

    Amount	 	Original

    Interest

    Rate	 	Original

    Amortization Term	 	Original
    Term

    to

    Maturity	 	First
    Payment 

    Date

    of Loan
	 	 	 	 	0.00	 	 	 	20120516	 	700000.00	 	0.041250	 	180	 	180	 	20120701
	 	 	 	 	0.00	 	 	 	20120618	 	573750.00	 	0.042500	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120601	 	535000.00	 	0.043750	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120604	 	1035000.00	 	0.043750	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120625	 	476000.00	 	0.045000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120403	 	1437250.00	 	0.038750	 	180	 	180	 	20120501
	 	 	 	 	0.00	 	 	 	20120619	 	566250.00	 	0.043750	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120706	 	860000.00	 	0.043750	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120621	 	1950000.00	 	0.040000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120621	 	828000.00	 	0.042500	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120521	 	800000.00	 	0.043750	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120518	 	658000.00	 	0.042500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120531	 	1000000.00	 	0.048750	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120613	 	656250.00	 	0.046250	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120530	 	450000.00	 	0.047500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120628	 	504000.00	 	0.046250	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120323	 	1312500.00	 	0.042500	 	180	 	180	 	20120501
	 	 	 	 	0.00	 	 	 	20120514	 	800000.00	 	0.042500	 	360	 	360	 	20120701
	 	 	 	 	125000.00	 	 	 	20120518	 	765000.00	 	0.041250	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120503	 	635000.00	 	0.038750	 	180	 	180	 	20120701
	 	 	 	 	0.00	 	 	 	20120629	 	1000000.00	 	0.046250	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120628	 	572000.00	 	0.045000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120622	 	758000.00	 	0.045000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120315	 	775000.00	 	0.037500	 	180	 	180	 	20120501
	 	 	 	 	0.00	 	 	 	20120514	 	660000.00	 	0.048750	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120618	 	680000.00	 	0.045000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120424	 	513000.00	 	0.041250	 	180	 	180	 	20120601
	 	 	 	 	0.00	 	 	 	20120612	 	900000.00	 	0.042500	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120130	 	626000.00	 	0.046250	 	360	 	360	 	20120301
	 	 	 	 	0.00	 	 	 	20120625	 	680000.00	 	0.040000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120611	 	519000.00	 	0.037500	 	180	 	180	 	20120801
	 	 	 	 	0.00	 	 	 	20111115	 	943300.00	 	0.037500	 	180	 	180	 	20120101
	 	 	 	 	500000.00	 	 	 	20120224	 	914700.00	 	0.040000	 	180	 	180	 	20120401
	 	 	 	 	0.00	 	 	 	20120222	 	756300.00	 	0.038750	 	180	 	180	 	20120401
	 	 	 	 	0.00	 	 	 	20120618	 	540000.00	 	0.048750	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20111007	 	520000.00	 	0.050000	 	360	 	360	 	20111201
	 	 	 	 	0.00	 	 	 	20120605	 	1100000.00	 	0.046250	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120703	 	1500000.00	 	0.040000	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120523	 	519000.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120515	 	530050.00	 	0.043750	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120510	 	508000.00	 	0.040000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120525	 	580100.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120516	 	502050.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120510	 	650000.00	 	0.047500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120608	 	1050000.00	 	0.043750	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120705	 	560000.00	 	0.047500	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120615	 	888000.00	 	0.046250	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120604	 	592500.00	 	0.042500	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120531	 	800000.00	 	0.042500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120712	 	645000.00	 	0.043750	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120321	 	980000.00	 	0.041250	 	180	 	180	 	20120501
	 	 	 	 	0.00	 	 	 	20120328	 	1000000.00	 	0.040000	 	180	 	180	 	20120501
	 	 	 	 	0.00	 	 	 	20120530	 	693750.00	 	0.038750	 	180	 	180	 	20120701
	 	 	 	 	0.00	 	 	 	20120709	 	629600.00	 	0.045000	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120516	 	825000.00	 	0.047500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120525	 	980000.00	 	0.043750	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120516	 	1306500.00	 	0.046250	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120625	 	570000.00	 	0.045000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120702	 	600000.00	 	0.047500	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120613	 	1232000.00	 	0.043750	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120702	 	1000000.00	 	0.045000	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120601	 	575500.00	 	0.043750	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120622	 	822500.00	 	0.043750	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120515	 	765600.00	 	0.047500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120525	 	905900.00	 	0.048750	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120604	 	871300.00	 	0.046250	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120516	 	653250.00	 	0.041250	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120620	 	1666950.00	 	0.046250	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120620	 	700000.00	 	0.045000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120705	 	577700.00	 	0.040000	 	360	 	360	 	20120901

 

    	 

    	 

    

 

	Interest
    Type

    Indicator	 	Original
    Interest

    Only Term	 	Buy
    Down Period	 	HELOC
    Draw 

    Period	 	Current
    Loan

    Amount	 	Current

    Interest
 Rate	 	Current
    

    Payment

    Amount Due	 	Interest
    Paid

    Through Date	 	Current
    

    Payment

    Status	 	Index
    Type
	1	 	0	 	0	 	 	 	691524.37	 	0.041250	 	5221.77	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	572166.24	 	0.042500	 	2822.51	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	533556.05	 	0.043750	 	2671.18	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1032206.59	 	0.043750	 	5167.60	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	474744.01	 	0.045000	 	2411.82	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1407557.65	 	0.038750	 	10541.36	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	564721.72	 	0.043750	 	2827.20	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	858841.57	 	0.043750	 	4293.85	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1944371.43	 	0.040000	 	9309.60	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	825714.44	 	0.042500	 	4073.26	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	795379.21	 	0.043750	 	3994.28	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	655270.73	 	0.042500	 	3236.96	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	996296.25	 	0.048750	 	5292.08	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	654557.26	 	0.046250	 	3374.04	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	448294.79	 	0.047500	 	2347.41	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	502699.98	 	0.046250	 	2591.26	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1286188.22	 	0.042500	 	9873.65	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	796681.71	 	0.042500	 	3935.52	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	761742.63	 	0.041250	 	3707.57	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	627154.26	 	0.038750	 	4657.34	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	997420.58	 	0.046250	 	5141.40	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	570490.70	 	0.045000	 	2898.24	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	755999.92	 	0.045000	 	3840.67	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	758828.78	 	0.037500	 	5635.97	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	657555.53	 	0.048750	 	3492.77	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	678205.72	 	0.045000	 	3445.46	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	504703.85	 	0.041250	 	3826.81	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	897515.69	 	0.042500	 	4427.46	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	620293.75	 	0.046250	 	3218.51	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	678037.23	 	0.040000	 	3246.42	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	514688.46	 	0.037500	 	3774.28	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	907647.96	 	0.037500	 	6859.89	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	892211.75	 	0.040000	 	6765.93	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	731604.31	 	0.038750	 	5547.00	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	538669.36	 	0.048750	 	2857.72	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	513633.48	 	0.050000	 	2791.47	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1096816.85	 	0.046250	 	5655.53	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1497838.77	 	0.040000	 	7161.23	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	516941.95	 	0.045000	 	2629.70	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	527900.22	 	0.043750	 	2646.46	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	505495.52	 	0.040000	 	2425.27	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	577799.68	 	0.045000	 	2939.28	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	500059.19	 	0.045000	 	2543.81	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	647536.90	 	0.047500	 	3390.71	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1047166.09	 	0.043750	 	5242.50	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	559295.44	 	0.047500	 	2921.23	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	885709.47	 	0.046250	 	4565.56	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	590864.50	 	0.042500	 	2914.74	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	796681.71	 	0.042500	 	3935.52	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	644131.17	 	0.043750	 	3220.39	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	958065.42	 	0.041250	 	7310.48	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	979546.36	 	0.040000	 	7396.88	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	685178.36	 	0.038750	 	5088.24	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	628770.91	 	0.045000	 	3190.09	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	821873.76	 	0.047500	 	4303.59	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	976025.30	 	0.043750	 	4893.00	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1301435.25	 	0.046250	 	6717.23	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	568495.97	 	0.045000	 	2888.11	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	599245.12	 	0.047500	 	3129.88	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1228674.90	 	0.043750	 	6151.19	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	998683.15	 	0.045000	 	5066.85	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	573946.75	 	0.043750	 	2873.39	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	820280.12	 	0.043750	 	4106.62	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	760749.45	 	0.047500	 	3993.73	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	902544.76	 	0.048750	 	4794.10	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	867922.33	 	0.046250	 	4479.70	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	650309.50	 	0.041250	 	3165.97	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1662650.24	 	0.046250	 	8570.45	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	698152.94	 	0.045000	 	3546.80	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	576867.64	 	0.040000	 	2758.03	 	20120901	 	0	 	0

 

    	 

    	 

    

 

	ARM
    Look-back

    Days	 	Gross
    Margin	 	ARM
    Round Flag	 	ARM
    Round Factor	 	Initial
    Fixed Rate
 Period	 	Initial
    Interest

    Rate

    Cap (Change

    Up)	 	Initial
    Interest 

    Rate

    Cap (Change 

    Down)	 	Subsequent

    Interest
 Rate Reset Period	 	Subsequent

    Interest
 Rate Cap (Change 

    Down)	 	Subsequent
    

    Interest

    Rate Cap (Change

    Up)
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

	Lifetime

    Maximum

    Rate (Ceiling)	 	Lifetime
    Minimum

    Rate (Floor)	 	Negative

    Amortization Limit	 	Initial
    Negative

    Amortization 

    Recast

    Period	 	Subsequent

    Negative

    Amortization 

    Recast
 Period	 	Initial
    Fixed
 Payment Period	 	Subsequent

    Payment Reset
 Period	 	Initial
    Periodic
 Payment Cap	 	Subsequent

    Periodic Payment
 Cap	 	Initial
    Minimum
 Payment Reset
 Period
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

	Subsequent

    Minimum Payment
 Reset Period	 	Option
    ARM
 Indicator	 	Options
    at Recast	 	Initial
    Minimum
 Payment	 	Current

    Minimum
 Payment	 	Prepayment
    

    Penalty
 Calculation	 	Prepayment
    

    Penalty
 Type	 	Prepayment
    

    Penalty
 Total Term	 	Prepayment
    

    Penalty
 Hard Term	 	Primary
    Borrower

ID
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	237
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	223
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	137
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	312
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	234
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	220
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	208
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	168
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	3
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	315
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	90
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	94
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	134
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	175
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	101
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	241
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	99
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	58
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	253
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	39
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	243
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	291
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	43
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	374
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	92
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	121
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	41
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	148
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	8
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	2
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	222
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	125
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	150
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	217
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	261
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	267
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	104
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	191
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	84
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	360
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	351
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	204
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	339
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	202
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	107
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	57
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	184
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	195
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	207
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	153
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	185
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	350
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	221
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	319
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	172
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	118
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	239
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	306
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	362
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	64
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	344
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	128
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	73
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	67
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	177
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	254
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	214
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	141
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	10
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	111

 

    	 

    	 

    

 

	Number
    of
 Mortgaged
 Properties	 	Total
    Number of
 Borrowers	 	Self-employment

    Flag	 	Current
    ‘Other’
 Monthly

    Payment	 	Length
    of
 Employment:
 Borrower	 	Length
    of
 Employment: Co-
 Borrower	 	Years
    in Home	 	FICO
    Model Used	 	Most
    Recent

    FICO
 Date	 	Primary
    Wage
 Earner Original
 FICO: Equifax
	1	 	 	 	1	 	 	 	5	 	 	 	0	 	1	 	 	 	 
	3	 	 	 	0	 	 	 	3	 	4	 	0	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	11	 	0	 	0	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	9	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	6	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	31	 	0	 	1.25	 	1	 	 	 	 
	4	 	 	 	0	 	 	 	17.75	 	 	 	0.92	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	11	 	4	 	3	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	0	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	0.25	 	1.5	 	0	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	24	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	22.5	 	 	 	4.25	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	15	 	0	 	0	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	10	 	10	 	0	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	8	 	 	 	0	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	10.25	 	 	 	7	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	0	 	 	 	0	 	1	 	8/3/2012	 	 
	2	 	 	 	0	 	 	 	1	 	9.5	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	7	 	0.5	 	10	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	10	 	 	 	11	 	1	 	 	 	 
	4	 	 	 	1	 	 	 	4	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	2	 	2	 	5	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	15	 	 	 	5	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	0	 	 	 	0	 	1	 	8/3/2012	 	 
	1	 	 	 	0	 	 	 	13	 	0	 	2	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	10	 	2	 	2.25	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	27	 	17	 	26	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	11	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	23	 	 	 	21	 	1	 	8/3/2012	 	 
	2	 	 	 	0	 	 	 	0	 	 	 	0	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	12	 	 	 	7	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	30	 	0	 	11	 	1	 	8/3/2012	 	 
	1	 	 	 	1	 	 	 	12	 	5	 	5	 	1	 	8/3/2012	 	 
	1	 	 	 	1	 	 	 	15	 	15	 	7	 	1	 	8/3/2012	 	 
	2	 	 	 	0	 	 	 	15	 	0	 	0	 	1	 	 	 	 
	3	 	 	 	1	 	 	 	0	 	17	 	0	 	1	 	8/3/2012	 	 
	3	 	 	 	1	 	 	 	10	 	10.75	 	0	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	13	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	24	 	17	 	9	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	4	 	16	 	0	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	5	 	1	 	0	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	4.5	 	2	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	13	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	13	 	0	 	0	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	10	 	0	 	0	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	14	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	2	 	 	 	8.25	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	7	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	8	 	 	 	0	 	1	 	 	 	 
	3	 	 	 	0	 	 	 	6.75	 	2	 	0	 	1	 	 	 	 
	4	 	 	 	1	 	 	 	2	 	2	 	2	 	1	 	8/3/2012	 	 
	3	 	 	 	1	 	 	 	15	 	 	 	3	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	19	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	15	 	2	 	0	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	9	 	9	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	2	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	19	 	0	 	9	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	9	 	 	 	0	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	5	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	0.75	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	24	 	24	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	14	 	 	 	23	 	1	 	 	 	 
	3	 	 	 	0	 	 	 	12	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	3	 	 	 	0	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	21	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	8	 	 	 	6.75	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	0.25	 	0	 	0	 	1	 	 	 	 
	3	 	 	 	1	 	 	 	30	 	30	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	0	 	0.75	 	5.75	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	3	 	2	 	6.5	 	1	 	 	 	 

 

    	 

    	 

    

 

	Primary
    Wage
 Earner Original
 FICO: Experian	 	Primary
    Wage
 Earner Original
 FICO: TransUnion	 	Secondary
    Wage
 Earner Original
 FICO: Equifax	 	Secondary
    Wage
 Earner Original
 FICO: Experian	 	Secondary
    Wage
 Earner Original
 FICO: TransUnion	 	Original

    Primary Borrower
 FICO	 	Most
    Recent
 Primary Borrower
 FICO	 	Most
    Recent Co-
 Borrower FICO	 	Most
    Recent

    FICO
 Method	 	VantageScore:

    Primary Borrower
	 	 	 	 	 	 	 	 	 	 	711	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	799	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	798	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	731	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	792	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	806	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	777	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	800	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	757	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	782	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	798	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	769	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	786	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	761	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	781	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	798	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	791	 	757	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	793	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	775	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	727	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	738	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	776	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	773	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	700	 	696	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	751	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	787	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	775	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	731	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	713	 	707	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	804	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	750	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	764	 	730	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	801	 	802	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	782	 	787	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	765	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	809	 	765	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	762	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	791	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	804	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	725	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	772	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	743	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	780	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	742	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	808	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	720	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	773	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	799	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	752	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	810	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	763	 	776	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	763	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	774	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	780	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	779	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	784	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	786	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	787	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	744	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	780	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	740	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	759	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	783	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	762	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	796	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	775	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	783	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	768	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	793	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	804	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

	VantageScore:
    Co-
 Borrower	 	Most
    Recent
 VantageScore
 Method	 	VantageScore

    Date	 	Credit
    Report:
 Longest Trade 

    Line	 	Credit
    Report:
 Maximum Trade
 Line	 	Credit
    Report:
 Number of Trade
 Lines	 	Credit
    Line Usage
 Ratio	 	Most
    Recent 12-
 month Pay History	 	Months
    Bankruptcy	 	Months
    

    Foreclosure
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 

 

    	 

    	 

    

 

	Primary
    Borrower
 Wage Income	 	Co-Borrower
    

    Wage
 Income	 	Primary
    Borrower
 Other Income	 	Co-Borrower
    

    Other
 Income	 	All
    Borrower

    Wage
 Income	 	All
    Borrower

    Total
 Income	 	4506-T
    Indicator	 	Borrower
    Income
 Verification Level	 	Co-Borrower

    Income Verification	 	Borrower

    Employment
 Verification
	26071.53	 	 	 	0.00	 	 	 	26071.53	 	26071.53	 	1	 	5	 	 	 	3
	15416.61	 	11866.74	 	0.00	 	0.00	 	27283.35	 	27283.35	 	1	 	5	 	 	 	3
	28333.37	 	0.00	 	0.00	 	0.00	 	28333.37	 	28333.37	 	1	 	5	 	 	 	3
	40000.00	 	 	 	51112.00	 	 	 	40000.00	 	91112.00	 	1	 	5	 	 	 	3
	11432.76	 	 	 	0.00	 	 	 	11432.76	 	11432.76	 	1	 	5	 	 	 	3
	21750.00	 	0.00	 	21885.45	 	0.00	 	21750.00	 	43635.45	 	1	 	5	 	 	 	3
	42079.36	 	 	 	0.00	 	 	 	42079.36	 	42079.36	 	1	 	5	 	 	 	3
	11960.00	 	2458.00	 	0.00	 	0.00	 	14418.00	 	14418.00	 	1	 	5	 	 	 	3
	38333.33	 	0.00	 	0.00	 	0.00	 	38333.33	 	38333.33	 	1	 	5	 	 	 	3
	7916.68	 	6432.37	 	0.00	 	0.00	 	14349.05	 	14349.05	 	1	 	5	 	 	 	3
	67329.96	 	 	 	0.00	 	 	 	67329.96	 	67329.96	 	1	 	5	 	 	 	3
	11676.45	 	 	 	0.00	 	 	 	11676.45	 	11676.45	 	1	 	4	 	 	 	3
	22916.68	 	0.00	 	0.00	 	0.00	 	22916.68	 	22916.68	 	1	 	5	 	 	 	3
	15358.74	 	8605.20	 	0.00	 	0.00	 	23963.94	 	23963.94	 	1	 	4	 	 	 	3
	16825.88	 	 	 	0.00	 	 	 	16825.88	 	16825.88	 	1	 	5	 	 	 	3
	24166.67	 	 	 	0.00	 	 	 	24166.67	 	24166.67	 	1	 	5	 	 	 	3
	62500.00	 	0.00	 	-293.00	 	0.00	 	62500.00	 	62207.00	 	1	 	5	 	 	 	3
	8916.66	 	12083.34	 	0.00	 	1083.33	 	21000.00	 	22083.33	 	1	 	5	 	 	 	3
	15895.01	 	16665.00	 	0.00	 	0.00	 	32560.01	 	32560.01	 	1	 	5	 	 	 	3
	24613.37	 	 	 	0.00	 	 	 	24613.37	 	24613.37	 	1	 	5	 	 	 	3
	48039.00	 	 	 	0.00	 	 	 	48039.00	 	48039.00	 	1	 	4	 	 	 	3
	0.00	 	0.00	 	13137.71	 	0.00	 	0.00	 	13137.71	 	1	 	5	 	 	 	3
	13911.58	 	 	 	0.00	 	 	 	13911.58	 	13911.58	 	1	 	5	 	 	 	3
	70833.33	 	0.00	 	-20915.58	 	0.00	 	70833.33	 	49917.75	 	1	 	5	 	 	 	3
	28245.50	 	0.00	 	0.00	 	0.00	 	28245.50	 	28245.50	 	1	 	5	 	 	 	3
	10891.00	 	8333.34	 	0.00	 	0.00	 	19224.34	 	19224.34	 	1	 	5	 	 	 	3
	8365.08	 	4961.89	 	23966.67	 	0.00	 	13326.97	 	37293.64	 	1	 	5	 	 	 	3
	40384.62	 	 	 	0.00	 	 	 	40384.62	 	40384.62	 	1	 	5	 	 	 	3
	11950.00	 	 	 	2693.34	 	 	 	11950.00	 	14643.34	 	1	 	5	 	 	 	3
	17499.99	 	 	 	0.00	 	 	 	17499.99	 	17499.99	 	1	 	5	 	 	 	3
	25321.34	 	 	 	0.00	 	 	 	25321.34	 	25321.34	 	1	 	5	 	 	 	3
	72454.00	 	0.00	 	22244.00	 	-19616.00	 	72454.00	 	75082.00	 	1	 	5	 	 	 	3
	32121.00	 	1500.01	 	0.00	 	0.00	 	33621.01	 	33621.01	 	1	 	5	 	 	 	3
	12371.00	 	9252.00	 	0.00	 	0.00	 	21623.00	 	21623.00	 	1	 	5	 	 	 	3
	37626.00	 	0.00	 	0.00	 	0.00	 	37626.00	 	37626.00	 	1	 	5	 	 	 	3
	5656.00	 	0.00	 	6526.00	 	0.00	 	5656.00	 	12182.00	 	1	 	5	 	 	 	3
	47452.22	 	5283.33	 	0.00	 	0.00	 	52735.55	 	52735.55	 	1	 	5	 	 	 	3
	31875.00	 	 	 	10444.00	 	 	 	31875.00	 	42319.00	 	1	 	5	 	 	 	3
	13651.29	 	6817.90	 	0.00	 	0.00	 	20469.19	 	20469.19	 	1	 	5	 	 	 	3
	7749.63	 	3618.53	 	0.00	 	3156.27	 	11368.16	 	14524.43	 	1	 	4	 	 	 	3
	10666.67	 	7498.40	 	0.00	 	0.00	 	18165.07	 	18165.07	 	1	 	5	 	 	 	3
	25712.79	 	0.00	 	0.00	 	0.00	 	25712.79	 	25712.79	 	1	 	5	 	 	 	3
	14889.00	 	0.00	 	0.00	 	0.00	 	14889.00	 	14889.00	 	1	 	5	 	 	 	3
	21281.42	 	0.00	 	0.00	 	0.00	 	21281.42	 	21281.42	 	1	 	4	 	 	 	3
	81419.25	 	0.00	 	0.00	 	0.00	 	81419.25	 	81419.25	 	1	 	5	 	 	 	3
	18945.19	 	0.00	 	1251.02	 	0.00	 	18945.19	 	20196.21	 	1	 	5	 	 	 	3
	21913.88	 	 	 	0.00	 	 	 	21913.88	 	21913.88	 	1	 	5	 	 	 	3
	20833.33	 	0.00	 	1664.69	 	0.00	 	20833.33	 	22498.02	 	1	 	5	 	 	 	3
	36159.66	 	 	 	0.00	 	 	 	36159.66	 	36159.66	 	1	 	5	 	 	 	3
	19542.90	 	0.00	 	7376.28	 	0.00	 	19542.90	 	26919.18	 	1	 	5	 	 	 	3
	40296.00	 	40355.00	 	0.00	 	0.00	 	80651.00	 	80651.00	 	1	 	5	 	 	 	3
	40044.42	 	0.00	 	-2769.00	 	0.00	 	40044.42	 	37275.42	 	1	 	5	 	 	 	3
	78938.20	 	0.00	 	2490.40	 	0.00	 	78938.20	 	81428.60	 	1	 	4	 	 	 	3
	17429.63	 	0.00	 	0.00	 	0.00	 	17429.63	 	17429.63	 	1	 	5	 	 	 	3
	41213.37	 	1987.18	 	0.00	 	0.00	 	43200.55	 	43200.55	 	1	 	5	 	 	 	3
	21250.00	 	 	 	0.00	 	 	 	21250.00	 	21250.00	 	1	 	5	 	 	 	3
	43807.99	 	0.00	 	0.00	 	0.00	 	43807.99	 	43807.99	 	1	 	5	 	 	 	3
	17951.94	 	 	 	0.00	 	 	 	17951.94	 	17951.94	 	1	 	4	 	 	 	3
	9604.22	 	 	 	1043.33	 	 	 	9604.22	 	10647.55	 	1	 	5	 	 	 	3
	12500.00	 	0.00	 	10239.00	 	0.00	 	12500.00	 	22739.00	 	1	 	5	 	 	 	3
	3000.00	 	35848.58	 	0.00	 	0.00	 	38848.58	 	38848.58	 	1	 	5	 	 	 	3
	10333.33	 	 	 	1989.77	 	 	 	10333.33	 	12323.10	 	1	 	5	 	 	 	3
	10416.00	 	 	 	27796.90	 	 	 	10416.00	 	38212.90	 	1	 	5	 	 	 	3
	19354.37	 	 	 	0.00	 	 	 	19354.37	 	19354.37	 	1	 	5	 	 	 	3
	82056.50	 	 	 	0.00	 	 	 	82056.50	 	82056.50	 	1	 	5	 	 	 	3
	0.00	 	 	 	27361.50	 	 	 	0.00	 	27361.50	 	1	 	5	 	 	 	3
	29166.67	 	0.00	 	0.00	 	0.00	 	29166.67	 	29166.67	 	1	 	5	 	 	 	3
	125267.00	 	0.00	 	0.00	 	0.00	 	125267.00	 	125267.00	 	1	 	5	 	 	 	3
	3750.00	 	8500.00	 	0.00	 	0.00	 	12250.00	 	12250.00	 	1	 	5	 	 	 	3
	13445.75	 	0.00	 	0.00	 	0.00	 	13445.75	 	13445.75	 	1	 	5	 	 	 	3

 

    	 

    	 

    

 

	Co-Borrower

    Employment
 Verification	 	Borrower
    Asset
 Verification	 	Co-Borrower
    Asset
 Verification	 	Liquid
    / Cash
 Reserves	 	Monthly
    Debt All
 Borrowers	 	Originator
    DTI	 	Fully
    Indexed

    Rate	 	Qualification

    Method	 	Percentage
    of Down
 Payment from
 Borrower Own
 Funds	 	City
	 	 	4	 	 	 	79791.70	 	8090.00	 	0.3103	 	 	 	 	 	 	 	CANYON LAKE
	 	 	4	 	 	 	250269.59	 	8517.86	 	0.3122	 	 	 	 	 	100	 	BOERNE
	 	 	4	 	 	 	321435.87	 	6870.84	 	0.2425	 	 	 	 	 	100	 	PHOENIX
	 	 	4	 	 	 	485027.01	 	33346.99	 	0.3660	 	 	 	 	 	100	 	MESA
	 	 	4	 	 	 	208589.60	 	4848.34	 	0.4241	 	 	 	 	 	100	 	AUSTIN
	 	 	4	 	 	 	3051624.00	 	17410.54	 	0.3990	 	 	 	 	 	 	 	HOUSTON
	 	 	4	 	 	 	660039.19	 	8691.58	 	0.2066	 	 	 	 	 	 	 	DALLAS
	 	 	4	 	 	 	433763.77	 	6235.44	 	0.4325	 	 	 	 	 	 	 	GREENSBORO
	 	 	4	 	 	 	698441.58	 	11224.00	 	0.2928	 	 	 	 	 	100	 	HONOLULU
	 	 	4	 	 	 	301002.08	 	5784.10	 	0.4031	 	 	 	 	 	100	 	ANNAPOLIS
	 	 	4	 	 	 	944903.58	 	7554.42	 	0.1122	 	 	 	 	 	100	 	NAPLES
	 	 	4	 	 	 	87240.68	 	4866.74	 	0.4168	 	 	 	 	 	 	 	LEESBURG
	 	 	4	 	 	 	192149.02	 	10296.46	 	0.4493	 	 	 	 	 	100	 	SANTA ROSA BEACH
	 	 	4	 	 	 	315688.41	 	10577.68	 	0.4414	 	 	 	 	 	100	 	DESTIN
	 	 	4	 	 	 	62429.24	 	5963.09	 	0.3544	 	 	 	 	 	100	 	HARDYVILLE
	 	 	4	 	 	 	717029.41	 	8169.20	 	0.3380	 	 	 	 	 	 	 	KANSAS CITY
	 	 	4	 	 	 	2459778.25	 	17104.75	 	0.2750	 	 	 	 	 	100	 	LA JOLLA
	 	 	4	 	 	 	231115.24	 	8784.75	 	0.3978	 	 	 	 	 	56.8594	 	SAN MARINO
	 	 	4	 	 	 	39124.90	 	7466.01	 	0.2293	 	 	 	 	 	 	 	ALTADENA
	 	 	4	 	 	 	48653.07	 	7155.11	 	0.2907	 	 	 	 	 	 	 	SANTA ANA
	 	 	4	 	 	 	80595.78	 	17629.69	 	0.3670	 	 	 	 	 	100	 	CHESTERFIELD
	 	 	4	 	 	 	30731.14	 	4795.28	 	0.3650	 	 	 	 	 	 	 	CHINO HILLS
	 	 	4	 	 	 	88603.51	 	4331.11	 	0.3113	 	 	 	 	 	 	 	ANDERSON
	 	 	4	 	 	 	307161.61	 	21114.21	 	0.4230	 	 	 	 	 	100	 	INDIANAPOLIS
	 	 	4	 	 	 	205194.48	 	6211.19	 	0.2199	 	 	 	 	 	 	 	BERRYVILLE
	 	 	4	 	 	 	37161.39	 	6507.44	 	0.3385	 	 	 	 	 	 	 	RALEIGH
	 	 	4	 	 	 	539974.51	 	9412.91	 	0.2524	 	 	 	 	 	 	 	CHARLOTTESVILLE
	 	 	4	 	 	 	1124014.66	 	10024.71	 	0.2482	 	 	 	 	 	100	 	ANNAPOLIS
	 	 	4	 	 	 	132026.82	 	5860.07	 	0.4002	 	 	 	 	 	 	 	ORINDA
	 	 	4	 	 	 	81693.40	 	7609.47	 	0.4348	 	 	 	 	 	100	 	PASADENA
	 	 	4	 	 	 	474602.20	 	9437.62	 	0.3727	 	 	 	 	 	 	 	DALLAS
	 	 	4	 	 	 	78460.76	 	12050.66	 	0.1605	 	 	 	 	 	 	 	TOMBALL
	 	 	4	 	 	 	628912.25	 	13384.22	 	0.3981	 	 	 	 	 	 	 	SOUTHLAKE
	 	 	4	 	 	 	256189.67	 	9677.81	 	0.4476	 	 	 	 	 	 	 	HOUSTON
	 	 	4	 	 	 	455123.00	 	15268.63	 	0.4058	 	 	 	 	 	100	 	OVERLAND PARK
	 	 	4	 	 	 	210916.53	 	3576.64	 	0.2936	 	 	 	 	 	100	 	DAMASCUS
	 	 	4	 	 	 	416339.85	 	12255.74	 	0.2324	 	 	 	 	 	100	 	UNIVERSITY PARK
	 	 	4	 	 	 	254062.97	 	16454.56	 	0.3888	 	 	 	 	 	100	 	UNIVERSITY PARK
	 	 	4	 	 	 	507269.74	 	5272.86	 	0.2576	 	 	 	 	 	 	 	EASTON
	 	 	4	 	 	 	61610.22	 	5792.34	 	0.3988	 	 	 	 	 	100	 	KINGSVILLE
	 	 	4	 	 	 	150734.11	 	5407.74	 	0.2977	 	 	 	 	 	100	 	KINGSVILLE
	 	 	4	 	 	 	541934.52	 	7135.30	 	0.2775	 	 	 	 	 	100	 	MCKINNEY
	 	 	4	 	 	 	159867.68	 	6641.98	 	0.4461	 	 	 	 	 	100	 	SAN ANTONIO
	 	 	4	 	 	 	85476.10	 	8027.35	 	0.3772	 	 	 	 	 	100	 	THE WOODLANDS
	 	 	4	 	 	 	1602184.04	 	10177.41	 	0.1250	 	 	 	 	 	100	 	FRISCO
	 	 	4	 	 	 	108194.86	 	7573.98	 	0.3750	 	 	 	 	 	100	 	GILBERT
	 	 	4	 	 	 	144549.72	 	6929.17	 	0.3162	 	 	 	 	 	 	 	UNIVERSITY PARK
	 	 	4	 	 	 	440719.64	 	8443.51	 	0.3753	 	 	 	 	 	100	 	OLMOS PARK
	 	 	4	 	 	 	352133.60	 	8258.87	 	0.2284	 	 	 	 	 	100	 	TERRELL HILLS
	 	 	4	 	 	 	358220.00	 	9233.52	 	0.3430	 	 	 	 	 	100	 	SCOTTSDALE
	 	 	4	 	 	 	253584.54	 	15202.71	 	0.1885	 	 	 	 	 	 	 	NORMAN
	 	 	4	 	 	 	408184.08	 	15441.90	 	0.4143	 	 	 	 	 	 	 	MADISON
	 	 	4	 	 	 	211527.85	 	10374.00	 	0.1274	 	 	 	 	 	100	 	MCKINNEY
	 	 	4	 	 	 	63741.55	 	6118.83	 	0.3511	 	 	 	 	 	100	 	MIDWAY
	 	 	4	 	 	 	298000.64	 	17837.51	 	0.4129	 	 	 	 	 	100	 	SANTA ROSA BEACH
	 	 	4	 	 	 	97590.27	 	7809.38	 	0.3675	 	 	 	 	 	100	 	LEXINGTON
	 	 	4	 	 	 	1189079.96	 	10588.39	 	0.2417	 	 	 	 	 	 	 	ARLINGTON
	 	 	4	 	 	 	300900.52	 	6692.25	 	0.3728	 	 	 	 	 	100	 	SAN DIEGO
	 	 	4	 	 	 	170197.61	 	4782.88	 	0.4492	 	 	 	 	 	55.4651	 	SAN DIEGO
	 	 	4	 	 	 	443702.62	 	9689.09	 	0.4261	 	 	 	 	 	100	 	CHARLOTTE
	 	 	4	 	 	 	248575.09	 	10898.27	 	0.2805	 	 	 	 	 	100	 	NEWPORT BEACH
	 	 	4	 	 	 	2149655.47	 	5300.17	 	0.4301	 	 	 	 	 	 	 	HINSDALE
	 	 	4	 	 	 	128679.47	 	10081.02	 	0.2638	 	 	 	 	 	66.4874	 	WILMINGTON
	 	 	4	 	 	 	133839.22	 	6162.43	 	0.3184	 	 	 	 	 	69.4331	 	AUSTIN
	 	 	4	 	 	 	76848.67	 	9444.70	 	0.1151	 	 	 	 	 	85.9076	 	AUSTIN
	 	 	4	 	 	 	106702.65	 	9018.35	 	0.3296	 	 	 	 	 	 	 	AUSTIN
	 	 	4	 	 	 	585651.92	 	10456.25	 	0.3585	 	 	 	 	 	100	 	AUSTIN
	 	 	4	 	 	 	1649625.60	 	37517.47	 	0.2995	 	 	 	 	 	100	 	OAK VIEW
	 	 	4	 	 	 	566895.00	 	4747.68	 	0.3876	 	 	 	 	 	 	 	BERWYN
	 	 	4	 	 	 	89182.14	 	3412.59	 	0.2538	 	 	 	 	 	 	 	BRENTWOOD

 

    	 

    	 

    

 

	State	 	Postal
    Code	 	Property
    Type	 	Occupancy	 	Sales
    Price	 	Original

    Appraised
 Property Value	 	Original
    Property
 Valuation Type	 	Original
    Property
 Valuation Date	 	Original
    Automated
 Valuation Model
 (AVM) Model Name	 	Original
    AVM
 Confidence Score
	TX	 	78133	 	7	 	1	 	 	 	1000000.00	 	3	 	20120502	 	 	 	 
	TX	 	78006	 	1	 	1	 	765000.00	 	775000.00	 	3	 	20120502	 	 	 	 
	AZ	 	85021	 	1	 	1	 	835000.00	 	835000.00	 	3	 	20120507	 	 	 	 
	AZ	 	85207	 	1	 	1	 	1380000.00	 	1385000.00	 	3	 	20120501	 	 	 	 
	TX	 	78759	 	7	 	1	 	605000.00	 	630000.00	 	3	 	20120529	 	 	 	 
	TX	 	77057	 	7	 	1	 	 	 	2450000.00	 	3	 	20111220	 	 	 	 
	TX	 	75201	 	4	 	1	 	 	 	755000.00	 	3	 	20120426	 	 	 	 
	GA	 	30642	 	7	 	1	 	 	 	1075000.00	 	3	 	20120421	 	 	 	 
	HI	 	96816	 	1	 	1	 	3300000.00	 	3250000.00	 	3	 	20120515	 	 	 	 
	MD	 	21401	 	7	 	1	 	1035000.00	 	1050000.00	 	3	 	20120612	 	 	 	 
	FL	 	34110	 	7	 	2	 	1250000.00	 	1280000.00	 	3	 	20120330	 	 	 	 
	VA	 	20175	 	7	 	1	 	 	 	940000.00	 	3	 	20120423	 	 	 	 
	FL	 	32459	 	1	 	2	 	1375000.00	 	1400000.00	 	3	 	20120507	 	 	 	 
	FL	 	32541	 	3	 	2	 	875000.00	 	875000.00	 	3	 	20120521	 	 	 	 
	VA	 	23070	 	7	 	2	 	625000.00	 	630000.00	 	3	 	20120419	 	 	 	 
	MO	 	64112	 	4	 	1	 	 	 	630000.00	 	3	 	20120405	 	 	 	 
	CA	 	92037	 	1	 	1	 	1750000.00	 	1750000.00	 	3	 	20120229	 	 	 	 
	CA	 	91108	 	1	 	1	 	1495000.00	 	1505000.00	 	3	 	20120426	 	 	 	 
	CA	 	91001	 	1	 	1	 	 	 	1400000.00	 	3	 	20120423	 	 	 	 
	CA	 	92705	 	1	 	1	 	 	 	950000.00	 	3	 	20120321	 	 	 	 
	MO	 	63005	 	7	 	1	 	1250000.00	 	1290000.00	 	3	 	20120601	 	 	 	 
	CA	 	91709	 	7	 	1	 	 	 	1530000.00	 	3	 	20120528	 	 	 	 
	SC	 	29625	 	7	 	1	 	 	 	950000.00	 	3	 	20120413	 	 	 	 
	IN	 	46240	 	1	 	1	 	1775000.00	 	1800000.00	 	3	 	20120220	 	 	 	 
	VA	 	22611	 	1	 	1	 	 	 	1017000.00	 	3	 	20120305	 	 	 	 
	NC	 	27617	 	7	 	1	 	 	 	850000.00	 	3	 	20120518	 	 	 	 
	VA	 	22901	 	1	 	1	 	 	 	1495000.00	 	3	 	20120321	 	 	 	 
	MD	 	21401	 	1	 	1	 	1200000.00	 	1200000.00	 	3	 	20120502	 	 	 	 
	CA	 	94563	 	1	 	1	 	 	 	1200000.00	 	3	 	20120105	 	 	 	 
	CA	 	91105	 	1	 	1	 	850000.00	 	850000.00	 	3	 	20120608	 	 	 	 
	TX	 	75214	 	1	 	1	 	 	 	925000.00	 	3	 	20120518	 	 	 	 
	TX	 	77377	 	1	 	1	 	 	 	1550000.00	 	3	 	20110907	 	 	 	 
	TX	 	76092	 	1	 	1	 	 	 	2335000.00	 	3	 	20120124	 	 	 	 
	TX	 	77005	 	1	 	1	 	 	 	1280000.00	 	3	 	20120122	 	 	 	 
	KS	 	66209	 	7	 	1	 	675000.00	 	675000.00	 	3	 	20120507	 	 	 	 
	OR	 	97089	 	1	 	1	 	650000.00	 	650000.00	 	3	 	20110902	 	 	 	 
	TX	 	75225	 	1	 	1	 	1375000.00	 	1450000.00	 	3	 	20120509	 	 	 	 
	TX	 	75225	 	1	 	1	 	1950000.00	 	1978000.00	 	3	 	20120609	 	 	 	 
	MD	 	21601	 	1	 	1	 	 	 	766000.00	 	3	 	20120313	 	 	 	 
	MD	 	21087	 	7	 	1	 	662600.00	 	680000.00	 	3	 	20120323	 	 	 	 
	MD	 	21087	 	7	 	1	 	670000.00	 	635000.00	 	3	 	20120323	 	 	 	 
	TX	 	75069	 	7	 	1	 	725179.00	 	745000.00	 	3	 	20120501	 	 	 	 
	TX	 	78258	 	7	 	1	 	630594.00	 	635000.00	 	3	 	20120408	 	 	 	 
	TX	 	77389	 	7	 	1	 	813318.00	 	815000.00	 	3	 	20120417	 	 	 	 
	TX	 	75034	 	7	 	1	 	1400000.00	 	1450000.00	 	3	 	20120517	 	 	 	 
	AZ	 	85298	 	7	 	1	 	700000.00	 	700000.00	 	3	 	20120423	 	 	 	 
	TX	 	75205	 	1	 	1	 	 	 	1150000.00	 	3	 	20120511	 	 	 	 
	TX	 	78212	 	1	 	1	 	790000.00	 	795000.00	 	3	 	20120516	 	 	 	 
	TX	 	78209	 	1	 	1	 	1015000.00	 	1050000.00	 	3	 	20120502	 	 	 	 
	AZ	 	85254	 	1	 	1	 	930000.00	 	860000.00	 	3	 	20120613	 	 	 	 
	OK	 	73072	 	7	 	1	 	 	 	1400000.00	 	3	 	20120221	 	 	 	 
	MS	 	39110	 	7	 	1	 	 	 	1560000.00	 	3	 	20120227	 	 	 	 
	TX	 	75069	 	7	 	1	 	999184.00	 	925000.00	 	3	 	20120510	 	 	 	 
	UT	 	84049	 	1	 	1	 	787000.00	 	900000.00	 	3	 	20120613	 	 	 	 
	FL	 	32459	 	7	 	2	 	1100000.00	 	1100000.00	 	3	 	20120425	 	 	 	 
	MA	 	02421	 	1	 	1	 	1225000.00	 	1225000.00	 	3	 	20120501	 	 	 	 
	TX	 	76006	 	7	 	1	 	 	 	2000000.00	 	3	 	20120120	 	 	 	 
	CA	 	92131	 	7	 	1	 	750000.00	 	755000.00	 	3	 	20120514	 	 	 	 
	CA	 	92130	 	7	 	1	 	750000.00	 	750000.00	 	3	 	20120618	 	 	 	 
	NC	 	28226	 	1	 	1	 	1760000.00	 	1770000.00	 	3	 	20120428	 	 	 	 
	CA	 	92661	 	1	 	2	 	1450000.00	 	1450000.00	 	3	 	20120605	 	 	 	 
	IL	 	60521	 	1	 	1	 	 	 	865000.00	 	3	 	20120430	 	 	 	 
	DE	 	19807	 	7	 	1	 	1175000.00	 	1175000.00	 	3	 	20120330	 	 	 	 
	TX	 	78701	 	4	 	1	 	957000.00	 	975000.00	 	3	 	20120330	 	 	 	 
	TX	 	78701	 	4	 	1	 	1132425.00	 	1200000.00	 	3	 	20120410	 	 	 	 
	TX	 	78732	 	7	 	1	 	 	 	1150000.00	 	3	 	20120424	 	 	 	 
	TX	 	78746	 	7	 	1	 	1005000.00	 	1050000.00	 	3	 	20120416	 	 	 	 
	CA	 	93022	 	1	 	1	 	2222650.00	 	2250000.00	 	3	 	20120602	 	 	 	 
	PA	 	19312	 	1	 	1	 	 	 	1100000.00	 	3	 	20120418	 	 	 	 
	TN	 	37027	 	7	 	1	 	 	 	740000.00	 	3	 	20120621	 	 	 	 

 

    	 

    	 

    

 

	Most
    Recent
 Property Value2	 	Most
    Recent
 Property 

    Valuation
 Type	 	Most
    Recent
 Property 

    Valuation
 Date	 	Most
    Recent

AVM
 Model Name	 	Most
    Recent AVM
 Confidence Score	 	Original
    CLTV	 	Original
    LTV	 	Original
    

    Pledged
 Assets	 	Mortgage

    Insurance
 Company Name	 	Mortgage

    Insurance
 Percent
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.7000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6407	 	0.6407	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7867	 	0.7867	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.5866	 	0.5866	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6000	 	0.6000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6400	 	0.6400	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.7000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7272	 	0.7272	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7200	 	0.7200	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.5351	 	0.5351	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6357	 	0.5464	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6684	 	0.6684	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.3738	 	0.3738	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7978	 	0.7978	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.4366	 	0.4366	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6489	 	0.6489	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.3431	 	0.3431	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.5216	 	0.5216	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.5610	 	0.5610	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6085	 	0.6085	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6058	 	0.3917	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.5908	 	0.5908	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7692	 	0.7692	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6775	 	0.6775	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7999	 	0.7999	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7999	 	0.7999	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7961	 	0.7961	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7991	 	0.7991	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7721	 	0.7721	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7881	 	0.7881	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.7000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6410	 	0.6410	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6532	 	0.6532	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7600	 	0.7600	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.7000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6896	 	0.6896	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6653	 	0.6653	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.7000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7999	 	0.7999	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7576	 	0.7576	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6500	 	0.6500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7499	 	0.7499	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6363	 	0.6363	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7806	 	0.7806	 	0	 	0	 	0

 

    	 

    	 

    

 

	MI:
    Lender or
 Borrower Paid?	 	Pool
    Insurance

    Co.
 Name	 	Pool
    Insurance 

    Stop
 Loss %	 	MI
    Certificate
 Number	 	Updated
    DTI
 (Front-end)	 	Updated
    DTI
 (Back-end)	 	Modification

    Effective Payment
 Date	 	Total
    Capitalized
 Amount	 	Total
    Deferred
 Amount	 	Pre-Modification

    Interest (Note) Rate
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

	Pre-Modification

    P&I
 Payment	 	Pre-Modification

    Initial Interest Rate
 Change Downward
 Cap	 	Pre-Modification

    Subsequent

    Interest
 Rate Cap	 	Pre-Modification

    Next Interest Rate
 Change Date	 	Pre-Modification
    I/O
 Term	 	Forgiven
    

    Principal
 Amount	 	Forgiven
    

    Interest
 Amount	 	Number
    of
 Modifications	 	Cash
    To/From

    Brrw at Closing	 	Brrw
    - Yrs at in 

    Industry
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	5
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	10
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	12
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	16
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	15
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	41
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	20
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	11
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	11
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	5
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	24
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	23
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	15
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	18
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	8
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	22
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	9
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	15
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	17
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	10
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	17
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	2
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	15
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	6
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	27
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	10
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	27
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	27
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	23
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	29
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	21
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	30
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	12
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	18
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	17
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	22
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	15
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	26
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	4
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	5
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	5
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	14
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	13
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	10
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	14
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	2
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	16
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	17
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	30
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	8
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	15
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	19
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	20
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	31
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	16
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	25
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	10
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	9
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	25
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	27
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	25
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	12
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	3
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	44
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	20
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	10
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	30
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	4
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	17

 

    	 

    	 

    

 

	CoBrrw
    - Yrs at 

    in Industry	 	Junior
    Mortgage

    Drawn Amount	 	Maturity
    Date	 	Primary
    Borrower

    Wage Income
 (Salary)	 	Primary
    Borrower

    Wage Income

    (Bonus)	 	Primary
    Borrower 

    Wage Income

    (Commission)	 	Co-Borrower
    

    Wage Income 

    (Salary)	 	Co-Borrower
    

    Wage Income 

    (Bonus)	 	Co-Borrower
    Wage

    Income 
 (Commission)	 	Originator
    Doc

    Code	 	RWT
    Income

    Verification	 	RWT
    Asset 

    Verification
	 	 	0.00	 	20270601	 	26071.53	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	9	 	0.00	 	20420701	 	15416.61	 	0.00	 	0.00	 	11866.74	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	28333.37	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	40000.00	 	51112.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	11432.76	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20270401	 	21750.00	 	0.00	 	21885.45	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	42079.36	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	14	 	0.00	 	20420801	 	11960.00	 	0.00	 	0.00	 	2458.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	38333.33	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	17	 	0.00	 	20420701	 	7916.68	 	0.00	 	0.00	 	6432.37	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	67329.96	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	11676.45	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	22916.68	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	18	 	0.00	 	20420701	 	15358.74	 	0.00	 	0.00	 	8605.20	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	16825.88	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	24166.67	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20270401	 	62500.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	10	 	0.00	 	20420601	 	8916.66	 	0.00	 	0.00	 	12083.34	 	1083.33	 	0.00	 	Full	 	Two Years	 	Two Months
	17	 	123205.00	 	20420601	 	15895.01	 	0.00	 	0.00	 	16665.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20270601	 	24613.37	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	48039.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	2	 	0.00	 	20420701	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	13911.58	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20270401	 	70833.33	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	28245.50	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	12	 	0.00	 	20420701	 	10891.00	 	0.00	 	0.00	 	8333.34	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	27	 	0.00	 	20270501	 	8365.08	 	0.00	 	0.00	 	4961.89	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	40384.62	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420201	 	11950.00	 	2693.34	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	17499.99	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20270701	 	25321.34	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20261201	 	72454.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	12	 	500000.00	 	20270301	 	32121.00	 	0.00	 	0.00	 	1500.01	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	15	 	0.00	 	20270301	 	12371.00	 	0.00	 	0.00	 	9252.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	37626.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	17	 	0.00	 	20411101	 	5656.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	11	 	0.00	 	20420701	 	47452.22	 	0.00	 	0.00	 	5283.33	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420801	 	31875.00	 	10444.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	27	 	0.00	 	20420601	 	13651.29	 	0.00	 	0.00	 	6817.90	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	16	 	0.00	 	20420601	 	7749.63	 	0.00	 	0.00	 	3618.53	 	789.49	 	2366.78	 	Full	 	Two Years	 	Two Months
	3	 	0.00	 	20420601	 	10666.67	 	0.00	 	0.00	 	7498.40	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	2	 	0.00	 	20420601	 	25712.79	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	14889.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	21281.42	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	81419.25	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420801	 	18945.19	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	21913.88	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	20833.33	 	1664.69	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	36159.66	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	2	 	0.00	 	20420801	 	19542.90	 	7376.28	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	8	 	0.00	 	20270401	 	40296.00	 	0.00	 	0.00	 	40355.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20270401	 	40044.42	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20270601	 	78938.20	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	2	 	0.00	 	20420801	 	17429.63	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	31	 	0.00	 	20420601	 	41213.37	 	0.00	 	0.00	 	1987.18	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	21250.00	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	43807.99	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	17951.94	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420801	 	9604.22	 	1043.33	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	12500.00	 	0.00	 	10239.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	27	 	0.00	 	20420801	 	3000.00	 	0.00	 	0.00	 	35848.58	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	10333.33	 	1989.77	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	10416.00	 	27796.90	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	19354.37	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	82056.50	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	0.00	 	0.00	 	27361.50	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	29166.67	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	30	 	0.00	 	20420701	 	125267.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	6	 	0.00	 	20420701	 	3750.00	 	0.00	 	0.00	 	8500.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	2	 	0.00	 	20420801	 	13445.75	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months

  

    	 

    	 

    

 

	MERSID	 	Organization
	1000536	 	Prime Lending
	1000383	 	RRAC/Cenlar

    	 

    	 

    

 

ASF RMBS DISCLOSURE PACKAGE

 

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forum through which participants in the U.S. securitization market advocate their common interests on important legal, regulatory
and market practice issues. ASF members include over 380 firms, including issuers, investors, servicers, financial intermediaries,
rating agencies, financial guarantors, legal and accounting firms, and other professional organizations involved in securitization
transactions. The ASF also provides information, education and training on a range of securitization market issues and topics through
industry conferences, seminars and similar initiatives. For more information about ASF, its members and activities, please go to
www.americansecuritization.com.

  

	Field Number	 	Field Name	 	Field Description	 	Type of Field	 	Data Type	 	Sample Data	 	Format	 	When Applicable?	 	Valid Values	 	Proposed Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	Primary Servicer	 	The MERS Organization ID of the company that has or will have the right to service the loan.	 	General Information	 	Numeric – Integer	 	2351805	 	9(7)	 	Always	 	”9999999” if Unknown	 	 	 	 
	2	 	Servicing Fee—Percentage	 	Aggregate monthly fee paid to all servicers, stated in decimal form.	 	General Information	 	Numeric - Decimal	 	0.0025	 	9.999999	 	Loans without flat-dollar servicing fees	 	>= 0 and < 1	 	 	 	Must be populated if Field 3 is Null
	3	 	Servicing Fee—Flat-dollar	 	Aggregate monthly fee paid to all servicers, stated as a dollar amount.	 	General Information	 	Numeric – Decimal	 	7.5	 	9(3).99	 	Loans with flat-dollar servicing fees	 	>= 0 and <= 999	 	 	 	Must be populated if 2 is Null
	4	 	Servicing Advance Methodology	 	The manner in which principal and/or interest are to be advanced by the servicer.	 	General Information	 	Numeric – Integer	 	2	 	99	 	Always	 	See Coding	 	1 = Scheduled Interest,
        Scheduled Principal

        2 = Actual Interest, Actual
        Principal

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

        2 = Adjustable

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

        1 = Yes

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

        1 = Yes

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

        1 = Yes

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

        1 = Yes

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

        2 = Broker

        3 = Correspondent Bulk

        4 = Correspondent Flow
        with delegated underwriting

        5 = Correspondent Flow
        without delegated underwriting

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

        1 = Taxes

        2 = Insurance

        3 = HOA dues

        4 = Taxes and Insurance

        5 = All

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

        2 = ARM

        3 = Hybrid

        4 = Neg Am

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

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

        AND
        the senior lien is Neg Am (see Field 20)
	 	>= 1 and <= 2	 	 	 	 
	23	 	Junior Mortgage Balance	 	For first mortgages with subordinate liens at the time of origination, the combined balance
    of the subordinate liens (if known).	 	Mortgage Lien Info	 	Numeric – Decimal	 	51775.12	 	9(10).99	 	If Lien Position = 1 and there is a 2nd lien on the
    subject property	 	>= 0	 	 	 	Subject to Regulatory Confirmation
	24	 	Origination Date of Most Senior Lien	 	For non-first mortgages, the origination date of the associated first mortgage.	 	Mortgage Lien Info	 	Date	 	20090914	 	YYYYMMDD	 	If Lien Position > 1 and there is a 2nd lien on
    the subject property	 	“19010101” if unknown	 	 	 	 
	25	 	Origination Date	 	The date of the Mortgage Note and Mortgage/Deed of Trust	 	Loan Term and Amortization Type	 	Date	 	20090914	 	YYYYMMDD	 	Always	 	“19010101” if unknown	 	 	 	 

 

 

    	 

    	 

    

 

	Field Number	 	Field Name	 	Field Description	 	Type of Field	 	Data Type	 	Sample Data	 	Format	 	When Applicable?	 	Valid Values	 	Proposed Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	26	 	Original Loan Amount	 	The dollar amount of the mortgage loan, as specified on the mortgage note
    at the time of the loan’s origination. For HELOCs, the maximum available line of credit.	 	Loan Term and Amortization Type	 	Numeric – Decimal	 	150000	 	9(10).99	 	Always	 	>0	 	 	 	 
	27	 	Original Interest Rate	 	The original note rate as indicated on the mortgage note.	 	Loan Term and Amortization Type	 	Numeric – Decimal	 	0.0475	 	9.999999	 	Always	 	> 0 and <= 1	 	 	 	 
	28	 	Original Amortization Term	 	The number of months in which the loan would be retired if the amortizing principal and interest
    payment were to be paid each month.	 	Loan Term and Amortization Type	 	Numeric – Integer	 	360	 	999	 	Always	 	>= 60	 	 	 	 
	29	 	Original Term to Maturity	 	The initial number of months between loan origination and the loan maturity date, as specified
    on the mortgage note.	 	Loan Term and Amortization Type	 	Numeric – Integer	 	60	 	999	 	Always	 	>0	 	N/A	 	 
	30	 	First Payment Date of Loan	 	The date of the first scheduled mortgage payment to be made by the borrower as specified
    on the mortgage note.	 	Loan Term and Amortization Type	 	Date	 	20090914	 	YYYYMMDD	 	Always	 	“19010101” if unknown	 	N/A	 	 
	31	 	Interest Type Indicator	 	Indicates whether the interest rate calculation method is simple or actuarial.	 	Loan Term and Amortization Type	 	Numeric – Integer	 	2	 	99	 	Always	 	See Coding	 	1= Simple

        2 = Actuarial

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

        Unknown
        = Blank;

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

        Unknown
        = Blank;

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

        1 = Up

        2 = Down

        3 = Nearest

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

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

        1 = Yes

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

        2= Fully amortizing 15
        year

        3=Fully amortizing 40
        year

        4 = Interest-Only

        5 = Minimum Payment

        99= Unknown
	 	 
	64	 	Initial Minimum Payment	 	The initial minimum payment the borrower is permitted to make.	 	Option ARM	 	Numeric – Decimal	 	879.52	 	99	 	Option ARMs Only	 	>=0	 	 	 	 
	65	 	Current Minimum Payment	 	Current Minimum Payment (in dollars).	 	Negative Amortization	 	Numeric – Decimal	 	250	 	9(10).99	 	Option ARMs Only	 	>= 0	 	 	 	 

 

    	 

    	 

    

 

	Field Number	 	Field Name	 	Field Description	 	Type of Field	 	Data Type	 	Sample Data	 	Format	 	When Applicable?	 	Valid Values	 	Proposed Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	66	 	Prepayment Penalty Calculation	 	A description of how the prepayment penalty would be calculated during
    each phase of the prepayment penalty term.	 	Prepayment Penalties	 	Numeric – Integer	 	12	 	99	 	Always	 	See Coding	 	See Appendix C	 	 
	67	 	Prepayment Penalty Type	 	• Hard:
        The prepayment penalty is incurred regardless of the reason the loan is prepaid in full. •

         

        Hybrid:
        The prepayment penalty can be characterized as hard for a certain amount of time and as soft during another period.  
         
	 	Prepayment Penalties	 	Numeric – Integer	 	1	 	99	 	All loans with Prepayment Penalties (i.e., loans for which Field
    66 = something other than “0”)	 	See Coding	 	1 = Hard

        2 = Soft

        3
        = Hybrid

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

        1 = Yes

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

        2 = Classic 08

        3 = Next Generation

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

        1 = 30-59 days delinquent

        2 = 60-89 days delinquent

        3 = 90-119 days delinquent

        4 = 120+ days delinquent

        5 = Foreclosure

        6 = REO

        7 = Loan did not exist
        in period

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

        1 = Yes

        99 = Unknown
	 	 
	107	 	Borrower Income Verification Level	 	A code indicating the extent to which the borrower’s income has been verified:	 	Borrower Qualification	 	Numeric – Integer	 	1	 	9	 	Always	 	See Coding	 	1 = Not Stated, Not Verified	 	 
	 	 	 	 	Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS*
    (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried) Level 5 Income Verification = 24 months income verification
    (W-2s, pay stubs, bank statements and/or tax returns**) *For self-employed borrowers: Level 4 Income Verification:

    • 2 Years Tax Returns

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

    

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

    • 2 Years tax returns

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

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

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

    • Tax returns prepared and executed by a CPA (regardless of 4506 and tax transcripts)	 	 	 	 	 	 	 	 	 	 	 	 	 	2 =
                           Stated, Not Verified

        3 = Stated, “Partially”
        Verified

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

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

 

    	 

    	 

    

 

	Field Number	 	Field Name	 	Field Description	 	Type of Field	 	Data Type	 	Sample Data	 	Format	 	When Applicable?	 	Valid Values	 	Proposed Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	108	 	Co-Borrower Income Verification	 	A code indicating the extent to which the co-borrower’s income has been verified:  
    Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if
    salaried)   Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax
    returns**) *For self-employed borrowers:  Level 4 Income Verification:
 • 2 Years Tax Returns
 • Self-prepared
    tax returns (regardless of 4506 and tax transcripts)
 
 ** For self-employed borrowers: Level 5 Income Verification:

    • 2 Years tax returns
 • Tax returns prepared and not executed by a CPA, with 
          
    o CPA name & phone number shown on the Preparer section of the tax return
          
    o Executed 4506 and tax transcripts (matching returns in file)  
 • Tax returns prepared and executed by a CPA 
    (regardless of 4506 and tax transcripts)	 	Borrower Qualification	 	Numeric – Integer	 	2	 	9	 	If “Total Number of Borrowers” > 1	 	See Coding	 	1 = Not Stated, Not Verified

         

        2 = Stated, Not Verified

         

        3 = Stated, “Partially”
        Verified

         

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

         

        5 = Stated, “Level
        5” Verified (as defined)  
	 	 
	109	 	Borrower Employment Verification	 	A code indicating the extent to which the primary borrower’s employment has been verified:
       Level 3 Verified = Direct Independent Verification with a third party of the borrower’s current employment.
     	 	Borrower Qualification	 	Numeric – Integer	 	2	 	9	 	Always	 	See Coding	 	1 = Not Stated, Not Verified  2 = Stated, Not Verified  3 = Stated, Level 3 Verified
    (as defined)  	 	 
	110	 	Co-Borrower Employment Verification	 	A code indicating the extent to which the co-borrower’s employment has been verified:
        Level 3 Verified = Direct Independent Verification with a third party of the co-borrower’s current
    employment.	 	Borrower Qualification	 	Numeric – Integer	 	1	 	9	 	If “Total Number of Borrowers” > 1	 	See Coding	 	1 = Not Stated, Not Verified  2 = Stated, Not Verified  3 = Stated, Level 3 Verified
    (as defined)	 	 
	111	 	Borrower Asset Verification	 	A code indicating the
        extent to which the primary borrower’s assets used to qualify the loan have been verified:

         

          Level 4 Verified
        = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).  
	 	Borrower Qualification	 	Numeric – Integer	 	3	 	9	 	Always	 	See Coding	 	1 = Not Stated, Not Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

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

        Level 4 = 2 months of
        bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).  
	 	Borrower Qualification	 	Numeric – Integer	 	2	 	9	 	If “Total Number of Borrowers” > 1	 	See Coding	 	1 = Not Stated, Not Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

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

        2 = First Year Cap Rate

        3 = I/O Amount

        4 = Fully Indexed

        5 = Min Payment

        98 = Other

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

        2 = Lender- Paid

        99 = Unknown
	 	 

 

    	 

    	 

    

 

	Field Number	 	Field Name	 	Field Description	 	Type of Field	 	Data Type	 	Sample Data	 	Format	 	When Applicable?	 	Valid Values	 	Proposed Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	141	 	Pool Insurance Co. Name	 	Name of pool insurance provider.	 	Mortgage Insurance	 	Numeric – Integer	 	8	 	99	 	Always	 	See Coding	 	See Appendix G	 	 
	142	 	Pool Insurance Stop Loss %	 	The aggregate amount that a pool insurer will pay, calculated as a percentage of the pool
    balance.	 	Mortgage Insurance	 	Numeric – Decimal	 	0.25	 	9.999999	 	Pool MI Company > 0	 	>= 0 to <= 1	 	 	 	 
	143	 	MI Certificate Number	 	The unique number assigned to each individual loan insured under an MI policy.	 	Mortgage Insurance	 	Text	 	123456789G	 	X(20)	 	MI Company	 	UNK = Unknown	 	 	 	 
	 	 	 	 	 	 	 	> 0	 	 	 
	144	 	Updated
        DTI

        (Front-end)
	 	Updated front-end DTI ratio (total monthly housing expense divided by total monthly income)
    used to qualify the loan modification.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.35	 	9.999999	 	Modified Loans Only	 	>= 0 and >= 1	 	 	 	 
	145	 	Updated DTI
 (Back-end)	 	Updated back-end DTI ratio (total monthly debt expense divided by total monthly income) used
    to qualify the loan modification.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.35	 	9.999999	 	Modified Loans Only	 	>= 0 and >= 1	 	 	 	 
	146	 	Modification Effective Payment Date	 	Date of first payment due post modification.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Date	 	20090914	 	YYYYMMDD	 	Modified Loans Only	 	“19010101” if unknown	 	 	 	 
	147	 	Total Capitalized Amount	 	Amount added to the principal balance of a loan due to the modification.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	12000	 	9(10).99	 	Modified Loans Only	 	>= 0	 	 	 	 
	148	 	Total Deferred Amount	 	Any non-interest-bearing deferred amount (e.g., principal, interest and fees).	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	12000	 	9(10).99	 	Modified Loans Only	 	>= 0	 	 	 	 
	149	 	Pre-Modification Interest (Note) Rate	 	Scheduled Interest Rate Of The Loan Immediately Preceding The Modification Effective Payment
    Date.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.075	 	9.999999	 	Modified Loans Only	 	>= 0 to <= 1	 	 	 	 
	150	 	Pre-Modification P&I Payment	 	Scheduled Total Principal And Interest Payment Amount Preceding The Modification Effective
    Payment Date – or if servicer is no longer advancing P&I, the payment that would be in effect if the loan were current.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	2310.57	 	9(10).99	 	Modified Loans Only	 	> 0	 	 	 	 
	151	 	Pre-Modification Initial Interest Rate Change
    Downward Cap	 	Maximum amount the rate can adjust downward on the first interest rate adjustment date (prior
    to modification) – Only provide if the rate floor is modified.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.015	 	9.999999	 	Modified Loans Only	 	>= 0 to <= 1	 	 	 	 
	152	 	Pre-Modification Subsequent Interest Rate Cap	 	Maximum increment the rate can adjust upward AFTER the initial rate adjustment (prior to
    modification) – Only provide if the Cap is modified.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.015	 	9.999999	 	Modified Loans Only	 	>= 0 to <= 1	 	 	 	 
	153	 	Pre-Modification Next Interest Rate Change
    Date	 	Next Interest Reset Date Under The Original Terms Of The Loan (one month prior to new payment
    due date).	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Date	 	20090914	 	YYYYMMDD	 	Modified Loans Only	 	“19010101” if unknown	 	 	 	 
	154	 	Pre-Modification I/O Term	 	Interest Only Term (in months) preceding The Modification Effective Payment Date.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Integer	 	36	 	999	 	Modified Loans Only	 	>= 0 to <= 120	 	 	 	 
	155	 	Forgiven Principal Amount	 	The sum total of all principal balance reductions (as a result of loan modification) over
    the life of the loan.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	12000	 	9(10).99	 	Modified Loans Only	 	>= 0	 	 	 	 
	156	 	Forgiven Interest Amount	 	The sum total of all interest incurred and forgiven (as a result of loan modification) over
    the life of the loan.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	12000	 	9(10).99	 	Modified Loans Only	 	>= 0	 	 	 	 
	157	 	Number of Modifications	 	The number of times the loan has been modified.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Integer	 	1	 	9	 	Modified Loans Only	 	>= 0	 	 	 	 
	158	 	Cash To/From Brrw at Closing	 	Indicates the amount of cash the borrower(s) paid into or received at closing. 
 

    [HUD-1 Bottom Line] + [Earnest money] + [Paid Outside Closing Items]	 	 	 	Numeric – Decimal	 	100000.01	 	9(10).99	 	 	 	 	 	 	 	 
	159	 	Brrw - Yrs at in Industry	 	Number of years the primary borrower has been working in their current industry	 	 	 	Numeric – Decimal	 	9.9	 	9.999999	 	 	 	 	 	 	 	 
	160	 	CoBrrw - Yrs at in Industry	 	Number of years the co-borrower has been working in their current industry	 	 	 	Numeric – Decimal	 	8	 	9.999999	 	 	 	 	 	 	 	 
	161	 	Junior Mortgage Drawn Amount	 	Applicable if the subject loan is a first mortgage.   At the time of origination
    for the subject loan, the sum of the outstanding balance(s) for any junior mortgages (HELOCs and closed-end).	 	 	 	Numeric – Decimal	 	100000.01	 	9(10).99	 	 	 	 	 	 	 	 
	162	 	Maturity Date	 	Maturity date of mortgage	 	 	 	Date	 	20420501	 	YYYYMMDD	 	 	 	 	 	 	 	 
	163	 	Primary Borrower Wage Income (Salary)	 	The primary borrower's salary wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	164	 	Primary Borrower Wage Income (Bonus)	 	The primary borrower's bonus wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	165	 	Primary Borrower Wage Income (Commission)	 	The primary borrower's commission wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	166	 	Co-Borrower Wage Income (Salary)	 	The coborrower's salary wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	167	 	Co-Borrower Wage Income (Bonus)	 	The coborrower's bonus wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	168	 	Co-Borrower Wage Income (Commission)	 	The coborrower's commission wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	169	 	Originator Doc Code	 	Documentation Code value as presented by the seller.	 	 	 	Text	 	Full	 	XXXX	 	 	 	 	 	 	 	 
	170	 	RWT Income Verification	 	Internal Redwood Derived field.  Due Diligence / Trade Desk derived value indicating
    the level of primary borrower asset verification	 	 	 	Text	 	2 Years	 	XXXX	 	 	 	 	 	 	 	 
	171	 	RWT Asset Verification	 	Internal Redwood Derived field.  Due Diligence / Trade Desk derived value indicating
    the level of primary borrower Income verification	 	 	 	Text	 	2 Months	 	XXXX	 	 	 	 	 	 	 	 
	MH-1	 	Real Estate Interest	 	Indicates whether the property on which the manufactured home is situated is owned outright
    or subject to the terms of a short- or long-term lease. (A long-term lease is defined as a lease whose term is greater than
    or equal to the loan term.)	 	Manufactured Housing	 	Numeric – Integer	 	2	 	99	 	Manufactured Housing Loans Only	 	See Coding	 	1 = Owned

        2 = Short-term lease

        3 = Long-term lease

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

        2 = Public Non-Institutional
        3 = Private Institutional

        4 = Private Non-Institutional

        5 = HOA-Owned

        6 = Non-Community

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

        1 = Yes

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

        2 = Proceeds from trade
        in

        3 = Land in Lieu

        4 = Other

        99 = Unavailable
	 	 
	MH-12	 	Community/Related Party Lender (Y/N)	 	An indicator of whether the loan was made by the community owner, an affiliate of the community
    owner or the owner of the real estate upon which the collateral is located.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	0 = No 
 1 = Yes 
 99 = Unavailable	 	 
	MH-13	 	Defined Underwriting Criteria (Y/N)	 	An indicator of whether the loan was made in accordance with a defined and/or standardized
    set of underwriting criteria.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	0 = No 
 1 = Yes 
 99 = Unavailable	 	 
	MH-14	 	Chattel Indicator	 	An Indicator of whether the secured property is classified as chattel or Real Estate.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	0 = Real Estate 
 1 = Chattel  
 99 = Unavailable	 	 

 

    	 

    	 

    

 

ATTACHMENT 2

 

PURCHASE AGREEMENT

 

Refer to Exhibit 10.11 to Form 8-K
filed by the Issuing Entity on September 24, 2012EXHIBIT 10.6 

 

EXECUTION COPY

 

ASSIGNMENT OF REPRESENTATIONS AND WARRANTIES
AGREEMENT

 

This is an Assignment
of Representations and Warranties Agreement (the “Agreement”) made as of the 21st day of September, 2012,
among Redwood Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding,
Inc., a Delaware corporation (“Depositor”), Christiana Trust, a division of Wilmington Savings Fund Society, FSB, a
federal savings bank, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” or the
“Assignee”) under a Pooling and Servicing Agreement dated as of September 1, 2012 (the “Pooling and Servicing
Agreement”), and Wintrust Mortgage, a division of Barrington Bank and Trust Company, N.A., an Illinois corporation (“Wintrust”).

 

In consideration of
the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Mortgage Loans”) listed
on Attachment 1 annexed hereto (the “Mortgage Loan Schedule”) are subject to the terms of the Flow Mortgage Loan Purchase
and Sale Agreement dated as of June 1, 2011, between Assignor and Wintrust (the “Purchase Agreement”) as modified or
supplemented by this Agreement. Unless otherwise specified herein, capitalized terms used herein but not defined shall have the
meanings ascribed to them in the Purchase Agreement. Assignor will sell the Mortgage Loans to Depositor pursuant to a Mortgage
Loan Purchase and Sale Agreement dated the date hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the
Pooling and Servicing Agreement.

 

Assignment 

 

1.          Assignor
hereby grants, transfers and assigns to Depositor all of its right, title and interest in, to and under the representations and
warranties made by Wintrust pursuant to the Purchase Agreement to the extent relating to the Mortgage Loans, and Depositor hereby
accepts such assignment from Assignor.

 

2.          Depositor
hereby grants, transfers and assigns to Assignee all of its right, title and interest in, to and under the representations and
warranties made by Wintrust pursuant to the Purchase Agreement to the extent relating to the Mortgage Loans, Depositor is released
from all obligations under the Purchase Agreement, and Assignee hereby accepts such assignment from Depositor.

 

3.          Wintrust
hereby acknowledges the foregoing assignments.

 

Representations and Warranties

 

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

 

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

 

    	 

    	 

    

 

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

 

(c)          There
are no offsets, counterclaims or other defenses available to Wintrust with respect to the Purchase Agreement;

 

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

 

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

 

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

 

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

 

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

 

    	2

    	 

    

 

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

 

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

 

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

 

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

 

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

 

    	3

    	 

    

 

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

 

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

 

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

 

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

 

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

 

Restated Wintrust Representations and
Warranties

 

8.          Pursuant
to Section 32(d) of the Purchase Agreement, Wintrust hereby restates to Depositor and Assignee (a) the representations and warranties
set forth in Subsection 7.01 of the Purchase Agreement as of the related Closing Date and (b) the representations and warranties
set forth in Subsection 7.02 of the Purchase Agreement as of the date hereof, as if such representations and warranties were set
forth herein in full.

 

    	4

    	 

    

 

In the event of a breach
of any representations and warranties referred to in clauses (a) or (b) above as of the related Closing Date or the date hereof,
as the case may be, Assignee shall be entitled to all the remedies under the Purchase Agreement, including, without limitation,
the right to compel Wintrust to repurchase Mortgage Loans pursuant to Section 7.03 of the Purchase Agreement, subject to the provisions
of Section 10.

 

Recognition of Assignee

 

9.          From
and after the date hereof, subject to Section 10 below, Wintrust shall recognize Assignee as owner of the Mortgage Loans and will
perform its obligations hereunder for the benefit of the Assignee in accordance with the Purchase Agreement, as modified hereby
or as may be amended from time to time, as if Assignee and Wintrust had entered into a separate purchase agreement for the purchase
of the Mortgage Loans in the form of the Purchase Agreement, the terms of which are incorporated herein by reference, as amended
by this Agreement.

 

Enforcement of Rights 

 

10.         (a)          Controlling
Holder Rights. Wintrust agrees and acknowledges that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor, in
its capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the Controlling
Holder, will exercise all of Assignee's rights as Purchaser under the following section of the Purchase Agreement:

 

Purchase
Agreement:

 

	Section or Subsection	 	Matter
	 	 	 
	7.03, other than 7.03(c)	 	
        Repurchase and
Substitution 

 

(b)          If
there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights that are to be exercised by the Controlling
Holder pursuant to Section 10(a) shall be exercised by Assignee.

 

Amendments to Purchase Agreement

 

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

 

(a)          Definitions.

 

(i)          The
definitions of “Business Day” and “Repurchase Price” set forth in Section 1 of the Purchase Agreement shall
be deleted and replaced in their entirety as follows:

 

    	5

    	 

    

 

Business
Day: Any day other than (i) a Saturday or a Sunday, (ii) a legal holiday in the states of California, Delaware, Illinois, Maryland,
Minnesota, Missouri or New York, (iii) a day on which banks in the states of California, Delaware, Illinois, Maryland, Minnesota,
Missouri or New York, are authorized or obligated by law or executive order to be closed or (iv) a day on which the New York Stock
Exchange or the Federal Reserve Bank of New York is closed.         

 

Repurchase
Price: With respect to any Mortgage Loan, a price equal to (i) the unpaid principal balance of the Mortgage Loan, plus (ii) interest
on such unpaid principal balance at the related Mortgage Interest Rate from the last date through which interest was last paid
by or on behalf of the Mortgagor to the last day of the month in which such repurchase occurs, plus (iii) reasonable and customary
third party expenses incurred in connection with the transfer of the Mortgage Loan being repurchased, minus (iv) any amounts received
in respect of such repurchased Mortgage Loan and being held for future distribution in connection with such Mortgage Loan.

 

(b)          The
following sentence shall be added as the new third sentence of Subsection 7.03(a):

 

Each determination as to whether
there has been such a breach shall be conducted on a Mortgage Loan-by-Mortgage Loan basis.

 

(c)          The
rights under the Purchase Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be under the Purchase
Agreement as amended by this Agreement.

 

Miscellaneous

 

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

 

(a)          In
the case of Wintrust,

 

Wintrust Mortgage,

a division of Barrington
Bank and Trust Company, N.A.

1S660 Midwest Road, Suite
100

Oakbrook Terrace, Illinois
60181

Attention: Loss Mitigation

 

    	6

    	 

    

 

(b)          In
the case of Assignee,

 

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

500 Delaware Avenue,
11th Floor

Wilmington, Delaware,
19801

Attention: Corporate
Trust

 

(c)          In
the case of Depositor,

 

Sequoia Residential Funding,
Inc.

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

(d)          In
the case of Assignor,

 

Redwood Residential Acquisition
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

(e)          In
the case of Master Servicer,

 

Wells Fargo Bank, N.A.

9062 Old Annapolis Road

Columbia, Maryland 21045)

Telephone number: (410)
884-2000

Facsimile number: (410)
715-2380

Attention: Client Manager
— Sequoia Mortgage Trust 2012-4

 

(f)          In
the case of the initial Controlling Holder,

 

Sequoia Mortgage Funding
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

    	7

    	 

    

 

General Counsel at the
same address

 

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

 

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

 

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

 

16.         This
Agreement shall survive the conveyance of the Mortgage Loans, the assignment of the representations and warranties made by Wintrust
pursuant to the Purchase Agreement to the extent of the Mortgage Loans by Assignor to Depositor and by Depositor to Assignee, and
the termination of the Purchase Agreement.

 

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

 

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

 

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

 

    	8

    	 

    

 

20.         Master
Servicer. Wintrust hereby acknowledges that the Assignee has appointed Wells Fargo Bank, N.A. to act as master servicer and
securities administrator under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, demands, instructions,
authorizations and other communications from the Master Servicer as if the same had been received from the Assignee. The Master
Servicer, acting on behalf of the Assignee, shall have the rights of the Assignee as the Purchaser under this Agreement, including,
without limitation, the right to enforce the obligations of Wintrust hereunder and under the Purchase Agreement and the right to
exercise the remedies of the Purchaser hereunder and under the Purchase Agreement.

 

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

 

Wells Fargo Bank, N.A.

San Francisco, California

ABA# 121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #48174300, Sequoia
Mortgage Trust 2012-4 Distribution Account

 

21.         Wintrust
acknowledges that the custodian will be Wells Fargo Bank, N.A. acting pursuant to the Custodial Agreement. Notwithstanding Section
10 of the Purchase Agreement, Wintrust shall pay shipping expenses for any Mortgage Loan Documents if there has been a breach of
any representation or warranty made with respect to the related Mortgage Loan in Subsection 7.01 of the Purchase Agreement.

 

22.         Rule
17g-5 Compliance. Wintrust hereby agrees that it shall provide information with respect to the Mortgage Loans or the origination
thereof to any Rating Agency or nationally recognized statistical rating organization (“NRSRO”) via electronic mail
at rmbs17g5informationprovider@wellsfargo.com, with a subject reference of “SEMT 2012-4” and an identification of the
type of information being provided in the body of such electronic mail. The Securities Administrator, as the initial Rule 17g-5
Information Provider (the “Rule 17g-5 Information Provider”) shall notify Wintrust in writing of any change in the
identity or contact information of the Rule 17g-5 Information Provider. Wintrust shall have no liability for (i) the Rule 17g-5
Information Provider’s failure to post information provided by it in accordance with the terms of this Agreement or (ii)
any malfunction or disabling of the website maintained by the Rule 17g-5 Information Provider. None of the foregoing restrictions
in this Section 22 prohibit or restrict oral or written communications, or providing information, between Wintrust, on the one
hand, and any Rating Agency or NRSRO, on the other hand, with regard to (i) such Rating Agency’s or NRSRO’s review
of the ratings it assigns to Wintrust or (ii) such Rating Agency’s or NRSRO’s evaluation of Wintrust’s operations
in general; provided, however, that Wintrust shall not provide any information relating to the Mortgage Loans to such Rating Agency
or NRSRO in connection with such review and evaluation by such Rating Agency or NRSRO unless: (x) borrower, property or deal specific
identifiers are redacted; or (y) such information has already been provided to the Rule 17g-5 Information Provider.

 

    	9

    	 

    

 

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

 

	 	REDWOOD RESIDENTIAL ACQUISITION
 CORPORATION
	 	Assignor
	 	 	 
	 	By:	/s/ John Isbrandtsen
	 	Name:	John Isbrandtsen 
	 	Title:	Authorized Officer
	 	 	 
	 	SEQUOIA RESIDENTIAL FUNDING, INC.
	 	Depositor
	 	 	 
	 	By:	/s/ John Isbrandtsen 
	 	Name:	John Isbrandtsen  
	 	Title:	Authorized Officer 
	 	 	 
	 	
        Christiana Trust, a
        division of

        Wilmington Savings Fund Society, FSB,

        not in its individual capacity but solely as Trustee,

        

	 	Assignee
	 	 	 
	 	By:	/s/ Jeffrey R. Everhart
	 	Name:	Jeffrey R. Everhart 
	 	Title:	AVP
	 	 	 
	 	
        WINTRUST MORTGAGE,

        A DIVISION OF BARRINGTON BANK AND

        TRUST COMPANY, N.A.

	 	 	 
	 	By:	/s/ Barton S. Pitts
	 	Name:	Barton S. Pitts 
	 	Title:	Executive Vice President

 

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

 

Signature Page – Assignment of Representations and Warranties – Wintrust (SEMT 2012-4)

 

    	 

    	 

    

 

ATTACHMENT 1

 

MORTGAGE LOAN SCHEDULE

  

	Primary

    Servicer	 	Servicing Fee %	 	Servicing

    Fee—Flatdollar	 	Servicing
    Advance
 Methodology	 	Originator	 	Loan Group	 	Loan Number	 	Amortization Type	 	Lien Position	 	HELOC

    Indicator
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001070929	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001077549	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001089309	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001092866	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001097193	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001105945	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001106404	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001106538	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001107179	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001108102	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001079366	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001100612	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001105006	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001105130	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001105906	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001106206	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001106860	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001107251	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000312	 	 	 	001114153	 	1	 	1	 	0

  

    	 

    	 

    

 

	Loan Purpose	 	Cash Out

    Amount	 	Total Origination

    and Discount
 Points	 	Covered/High
    Cost

Loan Indicator	 	Relocation Loan

    Indicator	 	Broker
    Indicator	 	Channel	 	Escrow

    Indicator	 	Senior Loan

    Amount(s)	 	Loan Type of
    Most
 Senior Lien
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	6	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 

 

    	 

    	 

    

 

	Hybrid Period of

    Most Senior Lien
 (in
 months)	 	Neg Am Limit of

    Most Senior Lien	 	Junior Mortgage

    Balance	 	Origination Date of

    Most Senior Lien	 	Origination Date	 	Original Loan

    Amount	 	Original

    Interest
 Rate	 	Original

    Amortization Term	 	Original Term

    to
 Maturity	 	First Payment

    Date
 of Loan
	 	 	 	 	0.00	 	 	 	20120404	 	527000.00	 	0.042500	 	360	 	360	 	20120601
	 	 	 	 	0.00	 	 	 	20120426	 	679200.00	 	0.046250	 	360	 	360	 	20120601
	 	 	 	 	0.00	 	 	 	20120525	 	1000000.00	 	0.042500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120309	 	1200000.00	 	0.042500	 	180	 	180	 	20120501
	 	 	 	 	100000.00	 	 	 	20120229	 	712000.00	 	0.042500	 	180	 	180	 	20120401
	 	 	 	 	0.00	 	 	 	20120430	 	535000.00	 	0.047500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120510	 	553125.00	 	0.043750	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120330	 	502500.00	 	0.047500	 	360	 	360	 	20120501
	 	 	 	 	0.00	 	 	 	20120515	 	960000.00	 	0.047500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120601	 	617000.00	 	0.046250	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120629	 	1976000.00	 	0.047500	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120517	 	646000.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120531	 	548000.00	 	0.042500	 	360	 	360	 	20120701
	 	 	 	 	98300.00	 	 	 	20120518	 	482000.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120615	 	619500.00	 	0.042500	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120531	 	1096875.00	 	0.047500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120628	 	1540000.00	 	0.043750	 	360	 	360	 	20120801
	 	 	 	 	27200.00	 	 	 	20120615	 	1000000.00	 	0.042500	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120629	 	652000.00	 	0.045000	 	360	 	360	 	20120801

 

    	 

    	 

    

 

	Interest Type

    Indicator	 	Original Interest

    Only Term	 	Buy Down
    Period	 	HELOC
    Draw
 Period	 	Current Loan

    Amount	 	Current

    Interest
 Rate	 	Current

    Payment
 Amount Due	 	Interest Paid

    Through Date	 	Current

    Payment
 Status	 	Index Type
	1	 	0	 	0	 	 	 	524080.29	 	0.042500	 	2592.52	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	675682.57	 	0.046250	 	3492.04	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	995852.15	 	0.042500	 	4919.40	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1175943.50	 	0.042500	 	9027.34	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	694841.38	 	0.042500	 	5356.22	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	532972.69	 	0.047500	 	2790.81	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	550881.63	 	0.043750	 	2761.67	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	499313.79	 	0.047500	 	2621.28	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	956362.21	 	0.047500	 	5007.81	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	614539.08	 	0.046250	 	3172.24	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1971018.00	 	0.047500	 	10307.75	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	643438.35	 	0.045000	 	3273.19	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	545726.98	 	0.042500	 	2695.83	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	480088.69	 	0.045000	 	2442.22	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	617789.96	 	0.042500	 	3047.57	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1092718.52	 	0.047500	 	5721.82	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1535843.62	 	0.043750	 	7688.99	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	997239.66	 	0.042500	 	4919.40	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	650279.60	 	0.045000	 	3303.59	 	20120901	 	0	 	0

 

    	 

    	 

    

 

	ARM Look-back

    Days	 	Gross Margin	 	ARM Round
    Flag	 	ARM Round
    Factor	 	Initial Fixed Rate

    Period	 	Initial Interest

    Rate
 Cap (Change
 Up)	 	Initial Interest

    Rate
 Cap (Change
 Down)	 	Subsequent

    Interest
 Rate Reset Period	 	Subsequent

    Interest
 Rate Cap (Change
 Down)	 	Subsequent

    Interest
 Rate Cap (Change
 Up)
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

	Lifetime

    Maximum
 Rate (Ceiling)	 	Lifetime Minimum

    Rate (Floor)	 	Negative

    Amortization Limit	 	Initial Negative

    Amortization
 Recast
 Period	 	Subsequent

    Negative
 Amortization
 Recast
 Period	 	Initial Fixed

    Payment
 Period	 	Subsequent

    Payment Reset
 Period	 	Initial Periodic

    Payment Cap	 	Subsequent

    Periodic Payment
 Cap	 	Initial Minimum

    Payment Reset
 Period
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

	Subsequent

    Minimum Payment
 Reset Period	 	Option ARM

    Indicator	 	Options at
    Recast	 	Initial Minimum

    Payment	 	Current

    Minimum
 Payment	 	Prepayment

    Penalty
 Calculation	 	Prepayment

    Penalty
 Type	 	Prepayment

    Penalty
 Total Term	 	Prepayment

    Penalty
 Hard Term	 	Primary
    Borrower

ID
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	228
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	130
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	122
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	6
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	87
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	115
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	103
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	135
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	17
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	151
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	108
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	30
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	161
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	167
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	212
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	133
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	126
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	129
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	160

 

    	 

    	 

    

 

	Number of

    Mortgaged
 Properties	 	Total Number of

    Borrowers	 	Self-employment

    Flag	 	Current ‘Other’

    Monthly
 Payment	 	Length of

    Employment:
 Borrower	 	Length of

    Employment: Co-
 Borrower	 	Years in Home	 	FICO Model Used	 	Most Recent

    FICO
 Date	 	Primary Wage

    Earner Original
 FICO: Equifax
	2	 	 	 	1	 	 	 	3	 	0	 	4	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	20	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	0.1	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	0	 	 	 	21	 	1	 	8/3/2012	 	 
	2	 	 	 	1	 	 	 	0	 	5	 	2	 	1	 	8/3/2012	 	 
	1	 	 	 	0	 	 	 	8.8	 	0	 	11	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	2.1	 	5.9	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	0.8	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	2	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	3.7	 	0	 	2	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	22.2	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	14.6	 	0	 	14	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	6.8	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	3.4	 	0	 	13	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	9.6	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	6.5	 	20.8	 	0	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	6	 	0	 	0	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	14	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	5.8	 	0	 	0	 	1	 	 	 	 

 

    	 

    	 

    

 

	Primary
    Wage
 Earner Original
 FICO: Experian	 	Primary
    Wage
 Earner Original
 FICO: TransUnion	 	Secondary
    Wage
 Earner Original
 FICO: Equifax	 	Secondary
    Wage
 Earner Original
 FICO: Experian	 	Secondary
    Wage
 Earner Original
 FICO: TransUnion	 	Original

    Primary

    Borrower
 FICO	 	Most
    Recent
 Primary
 Borrower
 FICO	 	Most
    Recent Co-
 Borrower FICO	 	Most
    Recent
 FICO
 Method	 	VantageScore:

    Primary Borrower
	 	 	 	 	 	 	 	 	 	 	782	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	812	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	800	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	769	 	767	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	762	 	765	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	773	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	773	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	774	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	766	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	745	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	769	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	798	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	786	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	797	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	722	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	790	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	775	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	778	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	799	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

	VantageScore:
    Co-
 Borrower	 	Most Recent

    VantageScore
 Method	 	VantageScore

    Date	 	Credit Report:

    Longest Trade
 Line	 	Credit Report:

    Maximum Trade
 Line	 	Credit Report:

    Number of Trade
 Lines	 	Credit Line
    Usage
 Ratio	 	Most Recent 12-

    month Pay History	 	Months
    Bankruptcy	 	Months

    Foreclosure
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 

 

    	 

    	 

    

 

	Primary
    Borrower
 Wage Income	 	Co-Borrower

    Wage
 Income	 	Primary
    Borrower
 Other Income	 	Co-Borrower

    Other
 Income	 	All
     Borrower
 Wage
 Income	 	All Borrower

    Total
 Income	 	4506-T
    Indicator	 	Borrower Income

    Verification Level	 	Co-Borrower

    Income Verification	 	Borrower

    Employment
 Verification
	9342.00	 	0.00	 	-26.00	 	0.00	 	9342.00	 	9316.00	 	1	 	5	 	 	 	3
	12400.00	 	0.00	 	0.00	 	0.00	 	12400.00	 	12400.00	 	1	 	5	 	 	 	3
	19975.00	 	 	 	0.00	 	 	 	19975.00	 	19975.00	 	1	 	5	 	 	 	3
	0.00	 	0.00	 	74691.00	 	0.00	 	0.00	 	74691.00	 	1	 	5	 	 	 	3
	0.00	 	46507.18	 	-7894.09	 	0.00	 	46507.18	 	38613.09	 	1	 	5	 	 	 	3
	14583.00	 	0.00	 	0.00	 	0.00	 	14583.00	 	14583.00	 	1	 	5	 	 	 	3
	15417.00	 	13333.00	 	0.00	 	0.00	 	28750.00	 	28750.00	 	1	 	5	 	 	 	3
	15000.00	 	0.00	 	0.00	 	0.00	 	15000.00	 	15000.00	 	1	 	5	 	 	 	3
	31567.00	 	 	 	0.00	 	 	 	31567.00	 	31567.00	 	1	 	5	 	 	 	3
	18275.00	 	0.00	 	-22.00	 	0.00	 	18275.00	 	18253.00	 	1	 	5	 	 	 	3
	60201.00	 	0.00	 	0.00	 	0.00	 	60201.00	 	60201.00	 	1	 	5	 	 	 	3
	8406.00	 	0.00	 	390.00	 	6088.00	 	8406.00	 	14884.00	 	1	 	5	 	 	 	3
	13656.00	 	0.00	 	0.00	 	0.00	 	13656.00	 	13656.00	 	1	 	5	 	 	 	3
	18900.00	 	0.00	 	0.00	 	0.00	 	18900.00	 	18900.00	 	1	 	5	 	 	 	3
	11250.00	 	0.00	 	2045.00	 	0.00	 	11250.00	 	13295.00	 	1	 	5	 	 	 	3
	15229.00	 	7480.00	 	-233.00	 	0.00	 	22709.00	 	22476.00	 	1	 	5	 	 	 	3
	62520.00	 	0.00	 	0.00	 	0.00	 	62520.00	 	62520.00	 	1	 	5	 	 	 	3
	46095.00	 	0.00	 	0.00	 	0.00	 	46095.00	 	46095.00	 	1	 	5	 	 	 	3
	23333.00	 	0.00	 	0.00	 	0.00	 	23333.00	 	23333.00	 	1	 	5	 	 	 	3

 

    	 

    	 

    

 

	Co-Borrower

    Employment
 Verification	 	Borrower Asset

    Verification	 	Co-Borrower
    Asset
 Verification	 	Liquid / Cash

    Reserves	 	Monthly Debt All

    Borrowers	 	Originator DTI	 	Fully Indexed

    Rate	 	Qualification

    Method	 	Percentage of Down

    Payment from
 Borrower Own
 Funds	 	City
	 	 	4	 	 	 	40968.37	 	3848.44	 	0.4131	 	 	 	 	 	 	 	Edina
	 	 	4	 	 	 	142658.38	 	4981.08	 	0.4017	 	 	 	 	 	100	 	HINSDALE
	 	 	4	 	 	 	610293.21	 	7938.07	 	0.3974	 	 	 	 	 	100	 	CHICAGO
	 	 	4	 	 	 	8539434.78	 	17051.96	 	0.2283	 	 	 	 	 	 	 	TOWN OF CRANBERRY ISLES
	 	 	4	 	 	 	221984.03	 	10240.19	 	0.2652	 	 	 	 	 	 	 	NORTHBROOK
	 	 	4	 	 	 	611429.68	 	4121.16	 	0.2826	 	 	 	 	 	 	 	Deer Park
	 	 	4	 	 	 	260532.82	 	3769.13	 	0.1311	 	 	 	 	 	100	 	CHICAGO
	 	 	4	 	 	 	48900.05	 	4744.50	 	0.3163	 	 	 	 	 	100	 	NORTHBROOK
	 	 	4	 	 	 	234869.63	 	10732.78	 	0.3400	 	 	 	 	 	90	 	HIGHLAND PARK
	 	 	4	 	 	 	234793.14	 	7366.91	 	0.4036	 	 	 	 	 	 	 	WILMETTE
	 	 	4	 	 	 	877490.44	 	13522.95	 	0.2246	 	 	 	 	 	100	 	CHICAGO
	 	 	4	 	 	 	92007.28	 	5830.33	 	0.3917	 	 	 	 	 	 	 	NEW YORK
	 	 	4	 	 	 	270052.60	 	5445.30	 	0.3987	 	 	 	 	 	100	 	WILMETTE
	 	 	4	 	 	 	141003.02	 	4499.52	 	0.2381	 	 	 	 	 	 	 	CHICAGO
	 	 	4	 	 	 	873381.40	 	5785.08	 	0.4351	 	 	 	 	 	100	 	PARK RIDGE
	 	 	4	 	 	 	332350.26	 	9955.36	 	0.4429	 	 	 	 	 	100	 	Hinsdale
	 	 	4	 	 	 	327939.03	 	16926.23	 	0.2707	 	 	 	 	 	100	 	KILDEER
	 	 	4	 	 	 	499799.86	 	11022.51	 	0.2391	 	 	 	 	 	99.99	 	CHICAGO
	 	 	4	 	 	 	181580.58	 	7022.30	 	0.3010	 	 	 	 	 	100	 	HIGHLAND PARK

 

    	 

    	 

    

 

	State	 	Postal Code	 	Property Type	 	Occupancy	 	Sales Price	 	Original

    Appraised
 Property Value	 	Original
    Property
 Valuation Type	 	Original
    Property
 Valuation Date	 	Original Automated

    Valuation Model
 (AVM) Model Name	 	Original AVM

    Confidence Score
	MN	 	55424	 	1	 	1	 	 	 	893000.00	 	3	 	20120228	 	 	 	 
	IL	 	60521	 	1	 	1	 	849000.00	 	850000.00	 	3	 	20120331	 	 	 	 
	IL	 	60611	 	4	 	1	 	1400000.00	 	1415000.00	 	3	 	20120501	 	 	 	 
	ME	 	04646	 	1	 	2	 	 	 	2000000.00	 	3	 	20120118	 	 	 	 
	IL	 	60062	 	1	 	1	 	 	 	1160000.00	 	3	 	20111130	 	 	 	 
	IL	 	60010	 	1	 	1	 	 	 	670000.00	 	3	 	20120305	 	 	 	 
	IL	 	60613	 	1	 	1	 	737500.00	 	737500.00	 	3	 	20120410	 	 	 	 
	IL	 	60062	 	7	 	1	 	670000.00	 	680000.00	 	3	 	20120320	 	 	 	 
	IL	 	60035	 	1	 	1	 	1200000.00	 	1300000.00	 	3	 	20120330	 	 	 	 
	IL	 	60091	 	1	 	1	 	 	 	1000000.00	 	3	 	20120427	 	 	 	 
	IL	 	60614	 	1	 	1	 	2470000.00	 	2470000.00	 	3	 	20120602	 	 	 	 
	NY	 	10016	 	4	 	1	 	 	 	1500000.00	 	3	 	20120216	 	 	 	 
	IL	 	60091	 	1	 	1	 	685000.00	 	700000.00	 	3	 	20120428	 	 	 	 
	IL	 	60613	 	1	 	1	 	 	 	780000.00	 	3	 	20120322	 	 	 	 
	IL	 	60068	 	1	 	1	 	885000.00	 	890000.00	 	3	 	20120525	 	 	 	 
	IL	 	60521	 	1	 	1	 	1462500.00	 	1495000.00	 	3	 	20120329	 	 	 	 
	IL	 	60047	 	1	 	1	 	2200000.00	 	2200000.00	 	3	 	20120503	 	 	 	 
	IL	 	60657	 	1	 	1	 	1284000.00	 	1450000.00	 	3	 	20120516	 	 	 	 
	IL	 	60035	 	1	 	1	 	815000.00	 	820000.00	 	3	 	20120529	 	 	 	 

 

    	 

    	 

    

 

	Most Recent

    Property Value2	 	Most Recent

    Property
 Valuation
 Type	 	Most Recent

    Property
 Valuation
 Date	 	Most Recent

    AVM
 Model Name	 	Most Recent AVM

    Confidence Score	 	Original CLTV	 	Original LTV	 	Original

    Pledged
 Assets	 	Mortgage

    Insurance
 Company Name	 	Mortgage

    Insurance
 Percent
	 	 	 	 	 	 	 	 	 	 	0.5901	 	0.5901	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7142	 	0.7142	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6000	 	0.6000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.6137	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7985	 	0.7985	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6170	 	0.6170	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.4306	 	0.4306	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7439	 	0.6179	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.7000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.7000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.7788	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0

 

    	 

    	 

    

 

	MI: Lender
    or
 Borrower Paid?	 	Pool Insurance

    Co.
 Name	 	Pool Insurance

    Stop
 Loss %	 	MI Certificate

    Number	 	Updated
    DTI
 (Front-end)	 	Updated
    DTI
 (Back-end)	 	Modification

    Effective Payment
 Date	 	Total Capitalized

        Amount
	 	Total Deferred

    Amount	 	Pre-Modification

    Interest (Note) Rate
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

	Pre-Modification

    P&I
 Payment	 	Pre-Modification

    Initial Interest Rate
 Change Downward
 Cap	 	Pre-Modification

    Subsequent
 Interest
 Rate Cap	 	Pre-Modification

    Next Interest Rate
 Change Date	 	Pre-Modification
    I/O
 Term	 	Forgiven

    Principal
 Amount	 	Forgiven

    Interest
 Amount	 	Number
    of
 Modifications	 	Cash
    To/From
 Brrw at Closing	 	Brrw
    - Yrs at in
 Industry
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	3
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	20
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	20
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	33
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	6
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.8
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	14
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	19
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	22.2
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	51
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	7
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	3.4
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	9.6
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	6.5
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	6
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	34
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	6

 

    	 

    	 

    

 

	CoBrrw - Yrs at
 in Industry	 	Junior Mortgage
 Drawn Amount	 	Maturity Date	 	Primary Borrower

Wage Income

(Salary)	 	Primary Borrower

Wage Income

(Bonus)	 	Primary Borrower
  Wage Income
 (Commission)	 	Co-Borrower
 Wage Income
 (Salary)	 	Co-Borrower
 Wage Income
 (Bonus)	 	Co-Borrower Wage

Income

    (Commission)	 	Originator Doc
 Code	 	RWT Income
 Verification	 	RWT Asset
 Verification
	0	 	0.00	 	20420501	 	9342.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420501	 	12400.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	19975.00	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20270401	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	10	 	99342.00	 	20270301	 	0.00	 	0.00	 	0.00	 	46507.18	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	14583.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	6	 	0.00	 	20420601	 	15417.00	 	0.00	 	0.00	 	13333.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420401	 	15000.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	31567.00	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	18275.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	60201.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	8406.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	13656.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	42551.00	 	20420601	 	18900.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	11250.00	 	2045.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	20.8	 	0.00	 	20420601	 	15229.00	 	0.00	 	0.00	 	7480.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	62520.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	27200.00	 	20420701	 	46095.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	23333.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months

 

    	 

    	 

    

 

	MERSID	 	Organization
	1000383	 	RRAC/Cenlar
	1000312	 	Wintrust

 

    	 

    	 

    

 

ASF RMBS DISCLOSURE PACKAGE

 

The American Securitization Forum is a broad-based professional
forum through which participants in the U.S. securitization market advocate their common interests on important legal, regulatory
and market practice issues. ASF members include over 380 firms, including issuers, investors, servicers, financial intermediaries,
rating agencies, financial guarantors, legal and accounting firms, and other professional organizations involved in securitization
transactions. The ASF also provides information, education and training on a range of securitization market issues and topics through
industry conferences, seminars and similar initiatives. For more information about ASF, its members and activities, please go to
www.americansecuritization.com.

  

	Field
    Number	 	Field
    Name	 	Field
    Description	 	Type
    of Field	 	Data
    Type	 	Sample
    Data	 	Format	 	When
    Applicable?	 	Valid
    Values	 	Proposed
    Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	Primary Servicer	 	The MERS Organization ID of the company that has or will have the right to service the loan.	 	General Information	 	Numeric – Integer	 	2351805	 	9(7)	 	Always	 	”9999999” if Unknown	 	 	 	 
	2	 	Servicing Fee—Percentage	 	Aggregate monthly fee paid to all servicers, stated in decimal form.	 	General Information	 	Numeric - Decimal	 	0.0025	 	9.999999	 	Loans without flat-dollar servicing fees	 	>= 0 and < 1	 	 	 	Must be populated if Field 3 is Null
	3	 	Servicing Fee—Flat-dollar	 	Aggregate monthly fee paid to all servicers, stated as a dollar amount.	 	General Information	 	Numeric – Decimal	 	7.5	 	9(3).99	 	Loans with flat-dollar servicing fees	 	>= 0 and <= 999	 	 	 	Must be populated if 2 is Null
	4	 	Servicing Advance Methodology	 	The manner in which principal and/or interest are to be advanced by the servicer.	 	General Information	 	Numeric – Integer	 	2	 	99	 	Always	 	See Coding	 	1 = Scheduled Interest,
        Scheduled Principal

        2 = Actual Interest, Actual
        Principal

        3 = Scheduled Interest,
        Actual Principal 

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

        2 = Adjustable

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

        1 = Yes

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

        1 = Yes

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

        1 = Yes

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

        1 = Yes

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

        2 = Broker

        3 = Correspondent Bulk

        4 = Correspondent Flow
        with delegated underwriting

        5 = Correspondent Flow
        without delegated underwriting

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

        1 = Taxes

        2 = Insurance

        3 = HOA dues

        4 = Taxes and Insurance

        5 = All

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

        2 = ARM

        3 = Hybrid

        4 = Neg Am

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

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

        AND
        the senior lien is Neg Am (see Field 20)
	 	>= 1 and <= 2	 	 	 	 
	23	 	Junior Mortgage Balance	 	For first mortgages with subordinate liens at the time of origination, the combined balance
    of the subordinate liens (if known).	 	Mortgage Lien Info	 	Numeric – Decimal	 	51775.12	 	9(10).99	 	If Lien Position = 1 and there is a 2nd lien on the
    subject property	 	>= 0	 	 	 	Subject to Regulatory Confirmation
	24	 	Origination Date of Most Senior Lien	 	For non-first mortgages, the origination date of the associated first mortgage.	 	Mortgage Lien Info	 	Date	 	20090914	 	YYYYMMDD	 	If Lien Position > 1 and there is a 2nd lien on
    the subject property	 	“19010101” if unknown	 	 	 	 
	25	 	Origination Date	 	The date of the Mortgage Note and Mortgage/Deed of Trust	 	Loan Term and Amortization Type	 	Date	 	20090914	 	YYYYMMDD	 	Always	 	“19010101” if unknown	 	 	 	 

 

 

    	 

    	 

    

 

	Field
    Number	 	Field
    Name	 	Field
    Description	 	Type
    of Field	 	Data
    Type	 	Sample
    Data	 	Format	 	When
    Applicable?	 	Valid
    Values	 	Proposed
    Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	26	 	Original Loan Amount	 	The dollar amount of the mortgage loan, as specified on the mortgage note
    at the time of the loan’s origination. For HELOCs, the maximum available line of credit.	 	Loan Term and Amortization Type	 	Numeric – Decimal	 	150000	 	9(10).99	 	Always	 	>0	 	 	 	 
	27	 	Original Interest Rate	 	The original note rate as indicated on the mortgage note.	 	Loan Term and Amortization Type	 	Numeric – Decimal	 	0.0475	 	9.999999	 	Always	 	> 0 and <= 1	 	 	 	 
	28	 	Original Amortization Term	 	The number of months in which the loan would be retired if the amortizing principal and interest
    payment were to be paid each month.	 	Loan Term and Amortization Type	 	Numeric – Integer	 	360	 	999	 	Always	 	>= 60	 	 	 	 
	29	 	Original Term to Maturity	 	The initial number of months between loan origination and the loan maturity date, as specified
    on the mortgage note.	 	Loan Term and Amortization Type	 	Numeric – Integer	 	60	 	999	 	Always	 	>0	 	N/A	 	 
	30	 	First Payment Date of Loan	 	The date of the first scheduled mortgage payment to be made by the borrower as specified
    on the mortgage note.	 	Loan Term and Amortization Type	 	Date	 	20090914	 	YYYYMMDD	 	Always	 	“19010101” if unknown	 	N/A	 	 
	31	 	Interest Type Indicator	 	Indicates whether the interest rate calculation method is simple or actuarial.	 	Loan Term and Amortization Type	 	Numeric – Integer	 	2	 	99	 	Always	 	See Coding	 	1= Simple

        2 = Actuarial

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

        Unknown
        = Blank;

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

        Unknown
        = Blank;

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

        1 = Up

        2 = Down

        3 = Nearest

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

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

        1 = Yes

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

        2= Fully amortizing 15
        year

        3=Fully amortizing 40
        year

        4 = Interest-Only

        5 = Minimum Payment

        99= Unknown
	 	 
	64	 	Initial Minimum Payment	 	The initial minimum payment the borrower is permitted to make.	 	Option ARM	 	Numeric – Decimal	 	879.52	 	99	 	Option ARMs Only	 	>=0	 	 	 	 
	65	 	Current Minimum Payment	 	Current Minimum Payment (in dollars).	 	Negative Amortization	 	Numeric – Decimal	 	250	 	9(10).99	 	Option ARMs Only	 	>= 0	 	 	 	 

 

    	 

    	 

    

 

	Field
    Number	 	Field
    Name	 	Field
    Description	 	Type
    of Field	 	Data
    Type	 	Sample
    Data	 	Format	 	When
    Applicable?	 	Valid
    Values	 	Proposed
    Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	66	 	Prepayment Penalty Calculation	 	A description of how the prepayment penalty would be calculated during each phase of the
    prepayment penalty term.	 	Prepayment Penalties	 	Numeric – Integer	 	12	 	99	 	Always	 	See Coding	 	See Appendix C	 	 
	67	 	Prepayment Penalty Type	 	• Hard:
        The prepayment penalty is incurred regardless of the reason the loan is prepaid in full. 

         

        •Hybrid:
        The prepayment penalty can be characterized as hard for a certain amount of time and as soft during another period.  
         
	 	Prepayment Penalties	 	Numeric – Integer	 	1	 	99	 	All loans with Prepayment Penalties (i.e., loans for which Field
    66 = something other than “0”)	 	See Coding	 	1 = Hard

        2 = Soft

        3
        = Hybrid

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

        1 = Yes

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

        2 = Classic 08

        3 = Next Generation

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

        1 = 30-59 days delinquent

        2 = 60-89 days delinquent

        3 = 90-119 days delinquent

        4 = 120+ days delinquent

        5 = Foreclosure

        6 = REO

        7 = Loan did not exist
        in period

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

        1 = Yes

        99 = Unknown
	 	 
	107	 	Borrower Income Verification Level	 	A code indicating the extent to which the borrower’s income has been verified:	 	Borrower Qualification	 	Numeric – Integer	 	1	 	9	 	Always	 	See Coding		1 = Not Stated, Not Verified	 	 
	 	 	 	 	Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY
    STUBS (YTD (at least one month)–if salaried) Level 5 Income Verification = 24 months income verification (W-2s, pay
    stubs, bank statements and/or tax returns**) *For self-employed borrowers: Level 4 Income Verification:

    • 2 Years Tax Returns

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

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

    • 2 Years tax returns

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

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

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

    • Tax returns prepared and executed by a CPA (regardless of 4506 and tax transcripts)	 	 	 	 	 	 	 	 	 	 	 	 	 	2 = Stated, Not Verified
        3 = Stated, “Partially”
        Verified

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

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

 

    	 

    	 

    

 

	Field
    Number	 	Field
    Name	 	Field
    Description	 	Type
    of Field	 	Data
    Type	 	Sample
    Data	 	Format	 	When
    Applicable?	 	Valid
    Values	 	Proposed
    Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	108	 	Co-Borrower Income Verification	 	A code indicating the extent to which the co-borrower’s income has been verified:  
    Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if
    salaried)   Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax
    returns**) *For self-employed borrowers:  Level 4 Income Verification:
 • 2 Years Tax Returns
 • Self-prepared
    tax returns (regardless of 4506 and tax transcripts)
 ** For self-employed borrowers: Level 5 Income Verification:

    • 2 Years tax returns
 • Tax returns prepared and not executed by a CPA, with 
          
    o CPA name & phone number shown on the Preparer section of the tax return
          
    o Executed 4506 and tax transcripts (matching returns in file)  
 • Tax returns prepared and executed by a CPA 
    (regardless of 4506 and tax transcripts)	 	Borrower Qualification	 	Numeric – Integer	 	2	 	9	 	If “Total Number of Borrowers” > 1	 	See Coding	 	1 = Not Stated, Not Verified 

        2 = Stated, Not Verified 

        3 = Stated, “Partially”
        Verified 

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

        5 = Stated, “Level
        5” Verified (as defined) 
	 	 
	109	 	Borrower Employment Verification	 	A code indicating the extent to which the primary borrower’s employment has been verified:
       Level 3 Verified = Direct Independent Verification with a third party of the borrower’s current employment.
     	 	Borrower Qualification	 	Numeric – Integer	 	2	 	9	 	Always	 	See Coding	 	1 = Not Stated, Not Verified  2 = Stated, Not Verified  3 = Stated, Level 3 Verified
    (as defined)  	 	 
	110	 	Co-Borrower Employment Verification	 	A code indicating the extent to which the co-borrower’s employment has been verified:
        Level 3 Verified = Direct Independent Verification with a third party of the co-borrower’s current
    employment.	 	Borrower Qualification	 	Numeric – Integer	 	1	 	9	 	If “Total Number of Borrowers” > 1	 	See Coding	 	1 = Not Stated, Not Verified  2 = Stated, Not Verified  3 = Stated, Level 3 Verified
    (as defined)	 	 
	111	 	Borrower Asset Verification	 	A code indicating the
        extent to which the primary borrower’s assets used to qualify the loan have been verified:

           Level 4 Verified
        = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).  
	 	Borrower Qualification	 	Numeric – Integer	 	3	 	9	 	Always	 	See Coding	 	1 = Not Stated, Not Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

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

        Level 4 = 2 months of
        bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).  
	 	Borrower Qualification	 	Numeric – Integer	 	2	 	9	 	If “Total Number of Borrowers” > 1	 	See Coding	 	1 = Not Stated, Not Verified

        2 = Stated, Not Verified

        3 = Stated, “Partially”
        Verified

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

        2 = First Year Cap Rate

        3 = I/O Amount

        4 = Fully Indexed

        5 = Min Payment

        98 = Other

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

        2 = Lender- Paid

        99 = Unknown
	 	 

 

    	 

    	 

    

 

	Field
    Number	 	Field
    Name	 	Field
    Description	 	Type
    of Field	 	Data
    Type	 	Sample
    Data	 	Format	 	When
    Applicable?	 	Valid
    Values	 	Proposed
    Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	141	 	Pool Insurance Co. Name	 	Name of pool insurance provider.	 	Mortgage Insurance	 	Numeric – Integer	 	8	 	99	 	Always	 	See Coding	 	See Appendix G	 	 
	142	 	Pool Insurance Stop Loss %	 	The aggregate amount that a pool insurer will pay, calculated as a percentage of the pool
    balance.	 	Mortgage Insurance	 	Numeric – Decimal	 	0.25	 	9.999999	 	Pool MI Company > 0	 	>= 0 to <= 1	 	 	 	 
	143	 	MI Certificate Number	 	The unique number assigned to each individual loan insured under an MI policy.	 	Mortgage Insurance	 	Text	 	123456789G	 	X(20)	 	MI Company	 	UNK = Unknown	 	 	 	 
	 	 	 	 	 	 	 	> 0	 	 	 
	144	 	Updated
        DTI

        (Front-end)
	 	Updated front-end DTI ratio (total monthly housing expense divided by total monthly income)
    used to qualify the loan modification.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.35	 	9.999999	 	Modified Loans Only	 	>= 0 and >= 1	 	 	 	 
	145	 	Updated DTI
 (Back-end)	 	Updated back-end DTI ratio (total monthly debt expense divided by total monthly income) used
    to qualify the loan modification.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.35	 	9.999999	 	Modified Loans Only	 	>= 0 and >= 1	 	 	 	 
	146	 	Modification Effective Payment Date	 	Date of first payment due post modification.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Date	 	20090914	 	YYYYMMDD	 	Modified Loans Only	 	“19010101” if unknown	 	 	 	 
	147	 	Total Capitalized Amount	 	Amount added to the principal balance of a loan due to the modification.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	12000	 	9(10).99	 	Modified Loans Only	 	>= 0	 	 	 	 
	148	 	Total Deferred Amount	 	Any non-interest-bearing deferred amount (e.g., principal, interest and fees).	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	12000	 	9(10).99	 	Modified Loans Only	 	>= 0	 	 	 	 
	149	 	Pre-Modification Interest (Note) Rate	 	Scheduled Interest Rate Of The Loan Immediately Preceding The Modification Effective Payment
    Date.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.075	 	9.999999	 	Modified Loans Only	 	>= 0 to <= 1	 	 	 	 
	150	 	Pre-Modification P&I Payment	 	Scheduled Total Principal And Interest Payment Amount Preceding The Modification Effective
    Payment Date – or if servicer is no longer advancing P&I, the payment that would be in effect if the loan were current.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	2310.57	 	9(10).99	 	Modified Loans Only	 	> 0	 	 	 	 
	151	 	Pre-Modification Initial Interest Rate Change
    Downward Cap	 	Maximum amount the rate can adjust downward on the first interest rate adjustment date (prior
    to modification) – Only provide if the rate floor is modified.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.015	 	9.999999	 	Modified Loans Only	 	>= 0 to <= 1	 	 	 	 
	152	 	Pre-Modification Subsequent Interest Rate Cap	 	Maximum increment the rate can adjust upward AFTER the initial rate adjustment (prior to
    modification) – Only provide if the Cap is modified.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	0.015	 	9.999999	 	Modified Loans Only	 	>= 0 to <= 1	 	 	 	 
	153	 	Pre-Modification Next Interest Rate Change
    Date	 	Next Interest Reset Date Under The Original Terms Of The Loan (one month prior to new payment
    due date).	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Date	 	20090914	 	YYYYMMDD	 	Modified Loans Only	 	“19010101” if unknown	 	 	 	 
	154	 	Pre-Modification I/O Term	 	Interest Only Term (in months) preceding The Modification Effective Payment Date.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Integer	 	36	 	999	 	Modified Loans Only	 	>= 0 to <= 120	 	 	 	 
	155	 	Forgiven Principal Amount	 	The sum total of all principal balance reductions (as a result of loan modification) over
    the life of the loan.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	12000	 	9(10).99	 	Modified Loans Only	 	>= 0	 	 	 	 
	156	 	Forgiven Interest Amount	 	The sum total of all interest incurred and forgiven (as a result of loan modification) over
    the life of the loan.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Decimal	 	12000	 	9(10).99	 	Modified Loans Only	 	>= 0	 	 	 	 
	157	 	Number of Modifications	 	The number of times the loan has been modified.	 	Loan Modifications (Pertains only to loans modified for loss mitigation
    purposes)	 	Numeric – Integer	 	1	 	9	 	Modified Loans Only	 	>= 0	 	 	 	 
	158	 	Cash To/From Brrw at Closing	 	Indicates the amount of cash the borrower(s) paid into or received at closing. 
 

    [HUD-1 Bottom Line] + [Earnest money] + [Paid Outside Closing Items]	 	 	 	Numeric – Decimal	 	100000.01	 	9(10).99	 	 	 	 	 	 	 	 
	159	 	Brrw - Yrs at in Industry	 	Number of years the primary borrower has been working in their current industry	 	 	 	Numeric – Decimal	 	9.9	 	9.999999	 	 	 	 	 	 	 	 
	160	 	CoBrrw - Yrs at in Industry	 	Number of years the co-borrower has been working in their current industry	 	 	 	Numeric – Decimal	 	8	 	9.999999	 	 	 	 	 	 	 	 
	161	 	Junior Mortgage Drawn Amount	 	Applicable if the subject loan is a first mortgage.   At the time of origination
    for the subject loan, the sum of the outstanding balance(s) for any junior mortgages (HELOCs and closed-end).	 	 	 	Numeric – Decimal	 	100000.01	 	9(10).99	 	 	 	 	 	 	 	 
	162	 	Maturity Date	 	Maturity date of mortgage	 	 	 	Date	 	20420501	 	YYYYMMDD	 	 	 	 	 	 	 	 
	163	 	Primary Borrower Wage Income (Salary)	 	The primary borrower's salary wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	164	 	Primary Borrower Wage Income (Bonus)	 	The primary borrower's bonus wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	165	 	Primary Borrower Wage Income (Commission)	 	The primary borrower's commission wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	166	 	Co-Borrower Wage Income (Salary)	 	The coborrower's salary wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	167	 	Co-Borrower Wage Income (Bonus)	 	The coborrower's bonus wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	168	 	Co-Borrower Wage Income (Commission)	 	The coborrower's commission wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	169	 	Originator Doc Code	 	Documentation Code value as presented by the seller.	 	 	 	Text	 	Full	 	XXXX	 	 	 	 	 	 	 	 
	170	 	RWT Income Verification	 	Internal Redwood Derived field.  Due Diligence / Trade Desk derived value indicating
    the level of primary borrower asset verification	 	 	 	Text	 	2 Years	 	XXXX	 	 	 	 	 	 	 	 
	171	 	RWT Asset Verification	 	Internal Redwood Derived field.  Due Diligence / Trade Desk derived value indicating
    the level of primary borrower Income verification	 	 	 	Text	 	2 Months	 	XXXX	 	 	 	 	 	 	 	 
	MH-1	 	Real Estate Interest	 	Indicates whether the property on which the manufactured home is situated is owned outright
    or subject to the terms of a short- or long-term lease. (A long-term lease is defined as a lease whose term is greater than
    or equal to the loan term.)	 	Manufactured Housing	 	Numeric – Integer	 	2	 	99	 	Manufactured Housing Loans Only	 	See Coding	 	1 = Owned

        2 = Short-term lease

        3 = Long-term lease

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

        2 = Public Non-Institutional
        3 = Private Institutional

        4 = Private Non-Institutional

        5 = HOA-Owned

        6 = Non-Community

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

        1 = Yes

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

        2 = Proceeds from trade
        in

        3 = Land in Lieu

        4 = Other

        99 = Unavailable
	 	 
	MH-12	 	Community/Related Party Lender (Y/N)	 	An indicator of whether the loan was made by the community owner, an affiliate of the community
    owner or the owner of the real estate upon which the collateral is located.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	0 = No 
 1 = Yes 
 99 = Unavailable	 	 
	MH-13	 	Defined Underwriting Criteria (Y/N)	 	An indicator of whether the loan was made in accordance with a defined and/or standardized
    set of underwriting criteria.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	0 = No 
 1 = Yes 
 99 = Unavailable	 	 
	MH-14	 	Chattel Indicator	 	An Indicator of whether the secured property is classified as chattel or Real Estate.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	0 = Real Estate 
 1 = Chattel  
 99 = Unavailable	 	 

 

    	 

    	 

    

 

ATTACHMENT 2

 

PURCHASE AGREEMENT

 

Refer to Exhibit 10.13 to Form 8-K
filed by the Issuing Entity on September 24, 2012

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00208-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00208-of-00352.parquet"}]]