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EXHIBIT 4.1

EXECUTION VERSION 

WaMu ASSET ACCEPTANCE CORP.,

as Depositor

and

WASHINGTON MUTUAL BANK,

as Servicer

and

DEUTSCHE BANK NATIONAL TRUST COMPANY,

as Trustee

and

DEUTSCHE BANK TRUST COMPANY DELAWARE,

as Delaware Trustee

POOLING AND SERVICING AGREEMENT

$924,385,186.87

WaMu Mortgage Pass-Through Certificates Series 2005-AR16 Trust

WaMu Asset Acceptance Corp.

WaMu Mortgage Pass-Through Certificates

Series 2005-AR16

Cut-Off Date: November 1, 2005

TABLE OF
CONTENTS

 

	
 

	
Page

	
ARTICLE I

	
5

	
Section 1.01  Definitions

	
5

	
Adjustment Date

	
5

	
Aggregate Certificate Principal Balance

	
5

	
Agreement

	
5

	
Appraised Value

	
5

	
Assignment of Proprietary Lease

	
5

	
Authenticating Agent

	
5

	
Authorized Denomination

	
5

	
Bankruptcy Loss

	
6

	
Beneficial Holder

	
6

	
Benefit Plan Opinion

	
6

	
Book-Entry Certificates

	
6

	
Business Day

	
6

	
Buydown Agreement

	
6

	
Buydown Fund

	
6

	
Buydown Fund Account

	
6

	
Buydown Loan

	
7

	
Carry-Forward Subsequent Recoveries Amount

	
7

	
Certificate

	
7

	
Certificate Account

	
7

	
Certificateholder or Holder

	
7

	
Certificate Interest Rate

	
8

	
Certificate of Trust

	
8

	
Certificate Principal Balance

	
8

	
Certificate Register and Certificate Registrar

	
8

	
Class

	
8

	
Class A Certificates

	
8

	
Class B Certificates

	
8

	
Class B-1 Certificates

	
8

	
Class B-2 Certificates

	
8

	
Class B-3 Certificates

	
9

	
Class B-4 Certificates

	
9

	
Class B-5 Certificates

	
9

	
Class B-6 Certificates

	
9

	
Class Y Principal Reduction Amounts

	
9

	
Class Y Regular Interests

	
9

	
Class Y-1 Principal Distribution Amount

	
9

	
Class Y-1 Regular Interest

	
9

	
Class Y-2 Principal Distribution Amount

	
9

	
Class Y-2 Regular Interest

	
9

	
Class Z Principal Reduction Amounts

	
9

	
Class Z Regular Interests

	
10

	
Class Z-1 Principal Distribution Amount

	
10

	
Class Z-1 Regular Interest

	
10

	
Class Z-2 Principal Distribution Amount

	
10

	
Class Z-2 Regular Interest

	
10

	
Class Principal Balance

	
10

	
Class R Certificates

	
11

	
Class R Residual Interests

	
11

	
Class R-1 Residual Interest

	
11

	
Class R-2 Residual Interest

	
11

	
Class 1-A1 Certificates

	
11

	
Class 1-A2 Certificates

	
11

	
Class 1-A3 Certificates

	
12

	
Class 1-A4A Certificates

	
12

	
Class 1-A4B Certificates

	
12

	
Class 1-A5 Certificates

	
12

	
Class 2-A1 Certificates

	
12

	
Class 2-A2 Certificates

	
12

	
Class 2-A3 Certificates

	
12

	
Class 2-A4 Certificates

	
12

	
Clean-Up Call Percentage

	
12

	
Clearing Agency

	
12

	
Closing Date

	
12

	
Code

	
12

	
Company

	
12

	
Compensating Interest

	
12

	
Cooperative

	
12

	
Cooperative Apartment

	
13

	
Cooperative Lease

	
13

	
Cooperative Loans

	
13

	
Cooperative Stock

	
13

	
Cooperative Stock Certificate

	
13

	
Corporate Trust Office

	
13

	
Corporation

	
13

	
Credit Support Depletion Date

	
13

	
Cumulative Carry-Forward Subsequent Recoveries Amount

	
13

	
Current Loan-to-Value Ratio

	
13

	
Curtailment

	
14

	
Curtailment Shortfall

	
14

	
Custodial Account for P&I

	
14

	
Custodial Agreement

	
14

	
Custodian

	
14

	
Cut-Off Date

	
14

	
Definitive Certificates

	
14

	
Delaware Trustee

	
14

	
Depositary Agreement

	
14

	
Destroyed Mortgage Note

	
14

	
Determination Date

	
15

	
Disqualified Organization

	
15

	
Distribution Date

	
15

	
DTC

	
15

	
DTC Participant

	
15

	
Due Date

	
15

	
Eligible Institution

	
15

	
Eligible Investments

	
15

	
ERISA

	
17

	
ERISA Restricted Certificate

	
17

	
Event of Default

	
17

	
Excess Liquidation Proceeds

	
17

	
Excess Subsequent Recoveries

	
17

	
Fannie Mae

	
17

	
FDIC

	
17

	
FHA

	
17

	
Final Maturity Date

	
17

	
Fitch

	
17

	
Freddie Mac

	
17

	
Group B Percentage

	
17

	
Group 1-A Certificates

	
17

	
Group 1 Loans

	
17

	
Group 1 Senior Liquidation Amount

	
18

	
Group 1 Senior Percentage

	
18

	
Group 1 Senior Prepayment Percentage or Group 2 Senior Prepayment
Percentage

	
18

	
Group 1 Senior Principal Distribution Amount

	
20

	
Group 1 Subordinate Balance

	
21

	
Group 1 Subordinate Percentage

	
21

	
Group 1 Subordinate Prepayment Percentage

	
21

	
Group 2-A Certificates

	
21

	
Group 2 Loans

	
21

	
Group 2 Senior Liquidation Amount

	
21

	
Group 2 Senior Percentage

	
21

	
Group 2 Senior Prepayment Percentage

	
21

	
Group 2 Senior Principal Distribution Amount

	
21

	
Group 2 Subordinate Balance

	
21

	
Group 2 Subordinate Percentage

	
21

	
Group 2 Subordinate Prepayment Percentage

	
21

	
Index

	
22

	
Indirect DTC Participants

	
22

	
Initial Custodial Agreement

	
22

	
Initial Custodian

	
22

	
Insurance Proceeds

	
22

	
Interest Distribution Amount

	
22

	
Interest Transfer Amount

	
22

	
Investment Account

	
22

	
Investment Depository

	
23

	
Junior Subordinate Certificates

	
23

	
Last Scheduled Distribution Date

	
23

	
Liquidated Mortgage Loan

	
23

	
Liquidation Principal

	
23

	
Liquidation Proceeds

	
23

	
Loan Group

	
23

	
Loan Group 1

	
23

	
Loan Group 1 Weighted Average Pass-Through Rate

	
23

	
Loan Group 2

	
23

	
Loan Group 2 Weighted Average Pass-Through Rate

	
23

	
Lowest Class B Owner

	
23

	
Margin

	
24

	
MERS

	
24

	
MERS Loan

	
24

	
MERS® System

	
24

	
MIN

	
24

	
MOM Loan

	
24

	
Monthly P&I Advance

	
24

	
Monthly Payment

	
24

	
Moody’s

	
24

	
Mortgage

	
24

	
Mortgage File

	
24

	
Mortgage Interest Rate

	
27

	
Mortgage Loan Purchase Agreement

	
27

	
Mortgage Loan Schedule

	
27

	
Mortgage Loans

	
28

	
Mortgage Note

	
28

	
Mortgage Pool

	
28

	
Mortgage Pool Assets

	
28

	
Mortgaged Property

	
28

	
Mortgagor

	
28

	
Nonrecoverable Advance

	
28

	
Non-U.S. Person

	
28

	
Notice Addresses

	
29

	
OTS

	
29

	
Officer’s Certificate

	
29

	
One-Year CMT

	
29

	
One-Year LIBOR

	
29

	
Opinion of Counsel

	
29

	
Original Trust Agreement

	
29

	
Overcollateralized Group

	
30

	
Ownership Interest

	
30

	
Pass-Through Entity

	
30

	
Pass-Through Rate

	
30

	
Paying Agent

	
30

	
Payoff

	
30

	
Payoff Earnings

	
30

	
Payoff Interest

	
30

	
Payoff Period

	
31

	
Percentage Interest

	
31

	
Periodic Cap

	
31

	
Permitted Transferee

	
31

	
Person

	
32

	
Prepaid Monthly Payment

	
32

	
Primary Insurance Policy

	
32

	
Principal Balance

	
32

	
Principal Payment

	
32

	
Principal Payment Amount

	
33

	
Principal Prepayment

	
33

	
Principal Prepayment Amount

	
33

	
Principal Transfer Amount

	
33

	
Prior Period

	
33

	
Prospectus

	
33

	
Rate Ceiling

	
33

	
Rate Floor

	
33

	
Rating Agency

	
33

	
Ratings

	
33

	
Reacquired Mortgage Loan

	
33

	
Realized Loss

	
33

	
Recognition Agreement

	
35

	
Recording Documents

	
36

	
Record Date

	
36

	
Regular Interests

	
36

	
Relief Act Shortfall

	
36

	
REMIC

	
36

	
REMIC Provisions

	
36

	
REMIC I

	
36

	
REMIC I Assets

	
36

	
REMIC I Available Distribution Amount

	
36

	
REMIC I Distribution Amount

	
37

	
REMIC I Regular Interests

	
38

	
REMIC II

	
38

	
REMIC II Assets

	
38

	
REMIC II Available Distribution Amount

	
38

	
REMIC II Distribution Amount

	
39

	
REMIC II Regular Interests

	
45

	
Repurchase Price

	
45

	
Repurchase Proceeds

	
45

	
Residual Certificates

	
45

	
Residual Distribution Amount

	
45

	
Responsible Officer

	
45

	
ROV Mortgage Loan

	
45

	
S&P

	
46

	
Secretary of State

	
46

	
Securities Act

	
46

	
Security Agreement

	
46

	
Seller

	
46

	
Senior Certificates

	
46

	
Senior Subordinate Certificates

	
46

	
Servicer

	
46

	
Servicer Business Day

	
46

	
Servicing Fee

	
46

	
Servicing Fee Rate

	
46

	
Servicing Officer

	
46

	
Special Primary Insurance Policy

	
46

	
Special Primary Insurance Premium

	
47

	
Statutory Trust Statute

	
47

	
Streamlined Mortgage Loan

	
47

	
Subordinate Certificates

	
47

	
Subordinate Component Balance

	
47

	
Subordinate Liquidation Amount

	
47

	
Subordinate Percentage

	
47

	
Subordinate Principal Distribution Amount

	
47

	
Subordinate Principal Prepayments Distribution Amount

	
48

	
Subordination Level

	
48

	
Subsequent Recoveries

	
48

	
Substitute Mortgage Loan

	
48

	
Substitution Price

	
48

	
Tax Matters Person

	
49

	
Termination Date

	
49

	
Termination Payment

	
49

	
Total Transfer Amount

	
49

	
Transfer

	
49

	
Transferee

	
49

	
Transferee Affidavit and Agreement

	
49

	
Trust

	
49

	
Trustee

	
49

	
Uncollected Interest

	
49

	
Uncompensated Interest Shortfall

	
50

	
Undercollateralized Group

	
50

	
Underwriters

	
50

	
Uninsured Cause

	
50

	
U.S. Person

	
50

	
VA

	
50

	
Weighted Average Pass-Through Rate

	
50

	
Withdrawal Date

	
51

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

	
51

	
Section 2.01  Creation of the Trust

	
51

	
Section 2.02  Restrictions on Activities of the Trust

	
52

	
Section 2.03  Separateness Requirements

	
52

	
Section 2.04  Conveyance of Mortgage Pool Assets; Security
Interest

	
54

	
Section 2.05  Delivery of Mortgage Files

	
55

	
Section 2.06  REMIC Election for REMIC I

	
56

	
Section 2.07  Acceptance by Trustee

	
57

	
Section 2.08  Representation and Warranty of the Company Concerning
the Mortgage Loans

	
59

	
Section 2.09  Representations and Warranties of Each Seller
Concerning the Mortgage Loans

	
61

	
Section 2.10  Additional Provisions Relating to Repurchases of and
Substitutions for Mortgage Loans by the Company or a Seller

	
62

	
Section 2.11  Acknowledgment of Transfer of Mortgage Pool
Assets

	
62

	
Section 2.12  Conveyance of REMIC II Assets; Security
Interest

	
63

	
Section 2.13  REMIC Election for REMIC II

	
64

	
Section 2.14  Acknowledgement of Transfer of REMIC II
Assets

	
65

	
Section 2.15  Legal Title

	
65

	
Section 2.16  Compliance with ERISA Requirements

	
65

	
Section 2.17  Additional Representation Concerning the Mortgage
Loans

	
65

	
ARTICLE III  Administration and Servicing of Mortgage
Loans

	
65

	
Section 3.01  The Servicer

	
65

	
Section 3.02  The Custodial Accounts for P&I and Buydown Fund
Accounts

	
68

	
Section 3.03  The Investment Account; Eligible
Investments

	
68

	
Section 3.04  The Certificate Account

	
69

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

	
70

	
Section 3.06  Maintenance of Primary Insurance Policies;
Collections Thereunder

	
71

	
Section 3.07  Maintenance of Hazard Insurance

	
72

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

	
72

	
Section 3.09  Realization Upon Defaulted Mortgage Loans

	
73

	
Section 3.10  Trustee to Cooperate; Release of Mortgage
Files

	
75

	
Section 3.11  Compensation to the Servicer

	
76

	
Section 3.12  [Reserved.]

	
76

	
Section 3.13  Annual Statement as to Compliance

	
76

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

	
76

	
Section 3.15  Annual Independent Public Accountants’
Servicing Report

	
77

	
ARTICLE IV  Payments to Certificateholders; Payment of
Expenses

	
77

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

	
77

	
Section 4.02  Monthly P&I Advances; Distribution Reports to the
Trustee

	
77

	
Section 4.03  Nonrecoverable Advances

	
79

	
Section 4.04  Distributions to Certificateholders; Payment of
Special Primary Insurance Premiums

	
79

	
Section 4.05  Statements to Certificateholders

	
80

	
ARTICLE V  The Certificates

	
81

	
Section 5.01  The Certificates

	
81

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

	
87

	
Section 5.03  Registration of Transfer and Exchange of
Certificates

	
88

	
Section 5.04  Mutilated, Destroyed, Lost or Stolen
Certificates

	
88

	
Section 5.05  Persons Deemed Owners

	
89

	
Section 5.06  [Reserved.]

	
89

	
Section 5.07  Book-Entry for Book-Entry Certificates

	
89

	
Section 5.08  Notices to Clearing Agency

	
90

	
Section 5.09  Definitive Certificates

	
90

	
Section 5.10  Office for Transfer of Certificates

	
91

	
Section 5.11  Nature of Certificates

	
91

	
ARTICLE VI  The Company and the Servicer

	
91

	
Section 6.01  Liability of the Company and the Servicer

	
91

	
Section 6.02  Merger or Consolidation of the Company or the
Servicer

	
91

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

	
91

	
Section 6.04  Neither the Company nor the Servicer May
Resign

	
92

	
Section 6.05 
Trustee Access

	
 92

	
ARTICLE VII  Default

	
93

	
Section 7.01  Events of Default

	
93

	
Section 7.02  Trustee to Act; Appointment of Successor

	
95

	
Section 7.03  Notification to Certificateholders

	
96

	
ARTICLE VIII  Concerning the Trustees

	
96

	
Section 8.01  Duties of Trustees

	
96

	
Section 8.02  Certain Matters Affecting the Trustees

	
98

	
Section 8.03  Trustees Not Liable for Certificates or Mortgage
Loans

	
99

	
Section 8.04  Trustees May Own Certificates

	
99

	
Section 8.05  The Servicer to Pay Trustees’ Fees and
Expenses

	
99

	
Section 8.06  Eligibility Requirements for Trustees

	
100

	
Section 8.07  Resignation and Removal of Trustees

	
100

	
Section 8.08  Successor Trustee

	
101

	
Section 8.09  Merger or Consolidation of Trustee

	
101

	
Section 8.10  Appointment of Co-Trustee or Separate
Trustee

	
101

	
Section 8.11  Authenticating Agents

	
102

	
Section 8.12  Paying Agents

	
103

	
Section 8.13  Duties of Delaware Trustee

	
104

	
Section 8.14  Amendment to Certificate of Trust

	
104

	
Section 8.15  Limitation of Liability

	
104

	
Section 8.16  Trustees Act on Behalf of Trust

	
105

	
ARTICLE IX  Termination

	
105

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

	
105

	
Section 9.02  Additional Termination Requirements

	
107

	
Section 9.03  Trust Irrevocable

	
108

	
ARTICLE X  Miscellaneous Provisions

	
108

	
Section 10.01  Amendment

	
108

	
Section 10.02  Recordation of Agreement

	
110

	
Section 10.03  Limitation on Rights of
Certificateholders

	
110

	
Section 10.04  Access to List of Certificateholders

	
111

	
Section 10.05  Governing Law

	
111

	
Section 10.06  Notices

	
111

	
Section 10.07  Severability of Provisions

	
111

	
Section 10.08  Counterpart Signatures

	
111

	
Section 10.09  Benefits of Agreement

	
112

	
Section 10.10  Notices and Copies to Rating Agencies

	
112

	
Section 10.11  Covenant Not to Place Trust Into
Bankruptcy

	
113

	
Section 10.12  Covenant Not to Place Company Into
Bankruptcy

	
113

 

 

 

	
Exhibit A

	
Form of Certificates (other than Class R Certificates)

	
Exhibit B

	
Form of Class R Certificates

	
Exhibit C

	
[Reserved]

	
Exhibit D

	
Mortgage Loan Schedule

	
Exhibit E

	
[Reserved]

	
Exhibit F

	
Form of Transferor Certificate For Junior Subordinate
Certificates

	
Exhibit G

	
Form of Transferee’s Agreement For Junior Subordinate
Certificates

	
Exhibit H

	
Form of Additional Matter Incorporated Into the Certificates

	
Exhibit I

	
Transferor Certificate

	
Exhibit J

	
Transferee Affidavit And Agreement

	
Exhibit K

	
[Reserved]

	
Exhibit L

	
Form of Investment Letter

	
Exhibit M

	
Form of Trustee’s Certification Pursuant to Section
2.07

	
Exhibit N

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

	
Exhibit O

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

	
 

	
 

 

 

This Pooling and Servicing Agreement, dated as of November 1, 2005
(this “Agreement”), is by and among WaMu Asset Acceptance Corp., as depositor (the
“Company”), Washington Mutual Bank, as Servicer, Deutsche Bank National Trust Company, as Trustee, and Deutsche
Bank Trust Company Delaware, as Delaware Trustee.  Capitalized terms used in this Agreement and not otherwise defined have the
meanings ascribed to such terms in Article I hereof.

PRELIMINARY STATEMENT

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

The Certificates issued hereunder, other
than the Junior Subordinate Certificates, have been offered for sale pursuant to a Prospectus, dated October 21, 2005, and a
Prospectus Supplement, dated November 21, 2005, of the Company (together, the “Prospectus”). The Junior
Subordinate Certificates have been offered for sale pursuant to a Private Placement Memorandum, dated November 23, 2005.  The
Trust created hereunder is the “Trust” described in the Prospectus and the Private Placement Memorandum and the
Certificates are the “Certificates” described therein. The following tables set forth the designation, type of
interest, Certificate Interest Rate, initial Class Principal Balance and Final Maturity Date for the REMIC I Regular Interests, the
Class R Residual Interests and the Certificates:

	
REMIC I
Interests

	
 

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

	
 

	
Type of Interest

	
 

	
Certificate Interest Rate (1)

	
 

	
Initial Class Principal Balance

	
 

	
Final Maturity Date*

	
Class Y-1

	
 

	
Regular

	
 

	
Variable (2)

	
 

	
$412,209.40

	
 

	
December 2035

	
Class Y-2

	
 

	
Regular

	
 

	
Variable (3)

	
 

	
49,978.69

	
 

	
December 2035

	
Class Z-1

	
 

	
Regular

	
 

	
Variable (2)

	
 

	
824,006,594.87

	
 

	
December 2035

	
Class Z-2

	
 

	
Regular

	
 

	
Variable (3)

	
 

	
99,916,303.91

	
 

	
December 2035

	
Class R-1†

	
 

	
Residual

	
 

	
5.132%

	
 

	
100.00

	
 

	
December 2035

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

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

	
 

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

	
 

	
(1)           Interest distributed to the REMIC I Regular Interests and
the Class R-1 Residual Interest on each Distribution Date will have accrued at the applicable per annum Certificate Interest Rate
on the applicable Class Principal Balance outstanding immediately before such Distribution Date.

	
 

	
(2)           For each Distribution Date, the Certificate Interest Rate on the Class Y-1 and Class Z-1 Regular Interests shall equal the Loan Group 1 Weighted Average
Pass-Through Rate for such Distribution Date.

	
 

	
(3)           For each Distribution Date, the Certificate Interest Rate on the Class Y-2 and Class Z-2 Regular Interests shall equal the Loan Group 2 Weighted Average
Pass-Through Rate for such Distribution Date.

	
 

	
 

	
 

										

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

REMIC II
Interests

	
 

	
Class Designation for
each Class of Certificates and the Class R-2 Residual Interest

	
 

	
Type of Interest

	
 

	
Certificate Interest Rate (1)

	
 

	
Initial Class

 Principal

 Balance

	
 

	
Final Maturity

 Date*

	
 

	
Class 1-A1

	
 

	
Regular

	
 

	
Variable (2)

	
 

	
$474,355,000.00

	
 

	
December 2035

	
 

	
Class 1-A2

	
 

	
Regular

	
 

	
       Variable (2)

	
 

	
108,831,000.00

	
 

	
December 2035

	
 

	
Class 1-A3

	
 

	
Regular

	
 

	
       Variable (2)

	
 

	
121,112,000.00

	
 

	
December 2035

	
 

	
Class 1-A4A

	
 

	
Regular

	
 

	
       Variable (2)

	
 

	
50,000,000.00

	
 

	
December 2035

	
 

	
Class 1-A4B

	
 

	
Regular

	
 

	
       Variable (2)

	
 

	
3,107,000.00

	
 

	
December 2035

	
 

	
Class 1-A5

	
 

	
Regular

	
 

	
       Variable (2)

	
 

	
32,800,000.00

	
 

	
December 2035

	
 

	
Class 2-A1

	
 

	
Regular

	
 

	
Variable (3)

	
 

	
10,000,000.00

	
 

	
December 2035

	
 

	
Class 2-A2

	
 

	
Regular

	
 

	
Variable (3)

	
 

	
61,301,000.00

	
 

	
December 2035

	
 

	
Class 2-A3

	
 

	
Regular

	
 

	
Variable (3)

	
 

	
20,539,000.00

	
 

	
December 2035

	
 

	
Class 2-A4

	
 

	
Regular

	
 

	
Variable (3)

	
 

	
3,978,000.00

	
 

	
December 2035

	
 

	
Class B-1

	
 

	
Regular

	
 

	
Variable (4)

	
 

	
22,185,000.00

	
 

	
December 2035

	
 

	
Class B-2

	
 

	
Regular

	
 

	
Variable (4)

	
 

	
6,009,000.00

	
 

	
December 2035

	
 

	
Class B-3

	
 

	
Regular

	
 

	
Variable (4)

	
 

	
3,698,000.00

	
 

	
December 2035

	
 

	
Class B-4

	
 

	
Regular

	
 

	
Variable (4)

	
 

	
2,773,000.00

	
 

	
December 2035

	
 

	
Class B-5

	
 

	
Regular

	
 

	
Variable (4)

	
 

	
2,311,000.00

	
 

	
December 2035

	
 

	
Class B-6

	
 

	
Regular

	
 

	
Variable (4)

	
 

	
1,386,086.87

	
 

	
December 2035

	
 

	
Class R-2 (5)

	
 

	
Residual

	
 

	
   -----

	
 

	
-----

	
 

	
December 2035

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

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

 

	
 

	
(1)           Interest distributed on each Distribution Date to the REMIC
II Regular Interests will have accrued at the applicable per annum Certificate Interest Rate on the applicable Class Principal
Balance outstanding immediately before such Distribution Date.

	
 

	
(2)           The Certificate Interest Rate for the
Class 1-A1, Class 1-A2, Class 1-A3, Class 1-A4A, Class 1-A4B and Class 1-A5 Certificates for each Distribution Date shall
equal the Loan Group 1 Weighted Average Pass-Through Rate.

	
 

	
(3)           The Certificate Interest Rate for the
Class 2-A1, Class 2-A2, Class 2-A3 and Class 2-A4 Certificates for each Distribution Date shall equal the Loan Group
2 Weighted Average Pass-Through Rate.

	
 

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

	
 

	
(5)           The Class R‐2 Residual Interest shall be entitled to
receive the applicable Residual Distribution Amount.  The Class R‐2 Residual Interest shall not be entitled to receive
any distributions of interest or principal.

	
 

											

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

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

As of the Cut-Off Date, the Mortgage Loans have an aggregate Principal
Balance of $924,385,186.87 and, as of the Closing Date, the Certificates have an Aggregate Certificate Principal Balance of
$924,385,186.87.

W I T N E S S E T H :

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

WHEREAS, the Servicer is a federal savings association and has full
power and authority to enter into this Agreement and to undertake the obligations undertaken by it herein;

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

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

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

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

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

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

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

ARTICLE I

Section 1.01.        Definitions.

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

Adjustment Date:  As to each Mortgage Loan, a Due Date on or about the fifth anniversary (in the case of the Group 1 Loans)
and on or about the seventh anniversary (in the case of the Group 2 Loans) of the first Due Date and annually thereafter, as set
forth in the related Mortgage Note, on which date an adjustment to the Mortgage Interest Rate of such Mortgage Loan becomes
effective.

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

Agreement: The meaning specified in the
introductory paragraph hereof.

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

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

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

Authorized Denomination:  With respect
to each Class of Certificates (other than the Class R Certificates), an initial Certificate Principal Balance equal to $25,000 and
multiples of $1 in excess thereof, except that one Certificate of each Class of the Junior Subordinate Certificates may be issued
in an amount that is not an integral multiple of $1.  With respect to the Class R Certificates, one Certificate with a
Percentage Interest equal to 0.01% and one Certificate with a Percentage Interest equal to 99.99%.

Bankruptcy Loss: For any Distribution Date
and any Mortgage Loan, (i) the amount of any permanent forgiveness of principal with respect to such Mortgage Loan by a court of
competent jurisdiction in a case under the United States Bankruptcy Code as of the related Due Date, other than any such
forgiveness of principal that arises out of clause (ii) of this definition of “Bankruptcy Loss,” or (ii) the amount, if
any, by which the then outstanding principal balance of such Mortgage Loan exceeds any valuation, as of the related Due Date, by a
court of competent jurisdiction in a case under the United States Bankruptcy Code, of the related Mortgaged Property, in each case,
to the extent not previously allocated to the Certificates as a Realized Loss.

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

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

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

Business Day: Any day other than a
Saturday, a Sunday or a day on which banking institutions in Stockton, California, Chicago, Illinois, New York, New York, Seattle,
Washington or any city in which the Corporate Trust Office is located (which shall initially be Santa Ana, California) are
authorized or obligated by law or executive order to be closed.

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

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

Buydown Fund Account: A separate account
created and maintained pursuant to Section 3.02 (a) with a financial institution approved by the Servicer, (b) within FDIC insured
accounts (or other accounts with comparable insurance coverage acceptable to the Rating Agencies) created, maintained and monitored
by the Servicer or (c) in a separate non-trust account in an Eligible Institution. Such account may be non-interest bearing or may
bear interest. In the event that a Buydown Fund Account is established pursuant to clause (b) of the preceding sentence, amounts
held in such Buydown Fund Account shall not exceed the level of deposit insurance coverage on such account; accordingly, more than
one Buydown Fund Account may be established.

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

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

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

Certificate Account: The separate trust
account created pursuant to Section 3.04 and maintained with the Trustee, the Investment Depository or any other bank or trust
company acceptable to the Rating Agencies which is incorporated under the laws of the United States or any state thereof, which
account shall be entitled “WaMu Mortgage Pass-Through Certificates Series 2005-AR16 Trust Certificate Account,” or any
other account serving a similar function acceptable to the Rating Agencies. Funds in the Certificate Account in respect of the
Mortgage Loans in each of the Loan Groups and amounts withdrawn from the Certificate Account attributable to each of such Loan
Groups shall be accounted for separately. Funds in the Certificate Account may be invested in Eligible Investments pursuant to
Section 3.04(d) and reinvestment earnings thereon shall be paid to the Servicer as additional servicing compensation. Funds
deposited in the Certificate Account (exclusive of the Servicing Fee) shall be held in trust for the Certificateholders and for the
uses and purposes set forth in Section 2.01, Section 3.04, Section 3.05, Section 4.01 and Section 4.04.

Certificateholder or Holder: With respect
to the Certificates, the Person in whose name a Certificate is registered in the Certificate Register, except that, solely for the
purposes of giving any consent pursuant to this Agreement, any Certificate registered in the name of the Company, the Servicer or
any affiliate thereof shall be deemed not to be outstanding and the Percentage Interest evidenced thereby shall not be taken into
account in determining whether the requisite percentage of Percentage Interests necessary to effect any such consent has been
obtained; provided, that the Trustee may conclusively rely upon an Officer’s Certificate to determine whether any
Person is an affiliate of the Company or the Servicer. With respect to the REMIC I Regular Interests, the owner of the REMIC I
Regular Interests, which as of the Closing Date shall be the Trust.

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

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

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

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

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

Class A Certificates:  The Class 1-A1,
Class 1-A2, Class 1-A3, Class 1-A4A, Class 1-A4B, Class 1-A5, Class 2-A1, Class 2-A2, Class 2-A3 and Class 2-A4
Certificates.

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

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

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

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

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

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

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

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

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

Class Y-1 Principal Distribution
Amount:  For any Distribution Date, the sum of (A) the excess, if any, of the Class Y-1 Principal Reduction
Amount for such Distribution Date over the principal portion of Realized Losses allocated to the Class Y-1 Regular Interest on such
Distribution Date and (B) an amount equal to the lesser of (i) the portion, if any, of the Subsequent Recoveries for Loan Group 1
for such Distribution Date not included in the Class Z-1 Principal Distribution Amount pursuant to clause (B) of the definition
thereof and (ii) the amount of Realized Losses allocated to the Class Y-1 Regular Interest on previous Distribution Dates (the
amount in this clause (B)(ii) reduced by the amount, if any, calculated pursuant to this clause (B) for prior Distribution
Dates).

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

Class Y-2 Principal Distribution
Amount:  For any Distribution Date, the sum of (A) the excess, if any, of the Class Y-2 Principal Reduction
Amount for such Distribution Date over the principal portion of Realized Losses allocated to the Class Y-2 Regular Interest on such
Distribution Date and (B) an amount equal to the lesser of (i) the portion, if any, of the Subsequent Recoveries for Loan Group 2
for such Distribution Date not included in the Class Z-2 Principal Distribution Amount pursuant to clause (B) of the definition
thereof and (ii) the amount of Realized Losses allocated to the Class Y-2 Regular Interest on previous Distribution Dates (the
amount in this clause (B)(ii) reduced by the amount, if any, calculated pursuant to this clause (B) for prior Distribution
Dates).

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

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

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

Class Z-1 Principal Distribution Amount:
For any Distribution Date, the sum of (A) the excess, if any, of the Class Z-1 Principal Reduction Amount for such Distribution
Date over the principal portion of Realized Losses allocated to the Class Z-1 Regular Interest on such Distribution Date and (B) an
amount equal to the lesser of (i) the Subsequent Recoveries for Loan Group 1 for such Distribution Date and (ii) the amount of
Realized Losses allocated to the Class Z-1 Regular Interest on previous Distribution Dates (the amount in this clause (B)(ii)
reduced by the amount, if any, calculated pursuant to this clause (B) for prior Distribution Dates).

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

Class Z-2 Principal Distribution Amount:
For any Distribution Date, the sum of (A) the excess, if any, of the Class Z-2 Principal Reduction Amount for such Distribution
Date over the principal portion of Realized Losses allocated to the Class Z-2 Regular Interest on such Distribution Date and (B) an
amount equal to the lesser of (i) the Subsequent Recoveries for Loan Group 2 for such Distribution Date and (ii) the amount of
Realized Losses allocated to the Class Z-2 Regular Interest on previous Distribution Dates (the amount in this clause (B)(ii)
reduced by the amount, if any, calculated pursuant to this clause (B) for prior Distribution Dates).

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

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

Notwithstanding the foregoing, (A) any amounts distributed in respect
of Realized Losses allocable to principal pursuant to paragraph (I)(c)(xix), (II)(a)(v) or (II)(b)(v) of the definition of
“REMIC II Distribution Amount” shall not cause a reduction in the Class Principal Balances of the REMIC II Regular
Interests and (B) any amounts distributed in respect of Realized Losses allocable to principal pursuant to paragraph (c)(i) of the
definition of “REMIC I Distribution Amount” shall not cause a reduction in the Class Principal Balances of the REMIC I
Regular Interests.

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

The Class Principal Balance for the Class 1-A1 Certificates shall be
referred to as the “Class 1-A1 Principal Balance,” the Class Principal Balance for the Class 1-A2 Certificates shall be
referred to as the “Class 1-A2 Principal Balance” and so on.

Class R Certificates:  The
Certificates designated as “Class R” on the face thereof in substantially the form attached hereto as Exhibit B,
representing ownership of the Class R-1 and Class R-2 Residual Interests, each of which Class of Residual Interests has been
designated as the sole class of “residual interest” in REMIC I and REMIC II, respectively, pursuant to Section 2.06 and
Section 2.13, respectively, for purposes of Section 860G(a)(2) of the Code.

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

Class R-1 Residual Interest: The uncertificated undivided beneficial interest in REMIC I which has been
designated as the single class of “residual interest” in REMIC I pursuant to Section 2.06. 

Class R-2 Residual Interest: The
uncertificated undivided beneficial interest in REMIC II which has been designated as the single class of “residual
interest” in REMIC II pursuant to Section 2.13. 

Class 1-A1 Certificates:  The
Certificates designated as “Class 1-A1” on the face thereof in substantially the form attached hereto as Exhibit A.

Class 1-A2 Certificates:  The
Certificates designated as “Class 1-A2” on the face thereof in substantially the form attached hereto as Exhibit A.

Class 1-A3 Certificates:  The
Certificates designated as “Class 1-A3” on the face thereof in substantially the form attached hereto as Exhibit A.

Class 1-A4A Certificates:  The
Certificates designated as “Class 1-A4A” on the face thereof in substantially the form attached hereto as Exhibit
A.

Class 1-A4B Certificates:  The
Certificates designated as “Class 1-A4B” on the face thereof in substantially the form attached hereto as Exhibit
A.

Class 1-A5 Certificates:  The
Certificates designated as “Class 1-A5” on the face thereof in substantially the form attached hereto as Exhibit A.

Class 2-A1 Certificates:  The
Certificates designated as “Class 2-A1” on the face thereof in substantially the form attached hereto as Exhibit A.

Class 2-A2 Certificates:  The
Certificates designated as “Class 2-A2” on the face thereof in substantially the form attached hereto as Exhibit A.

Class 2-A3 Certificates:  The
Certificates designated as “Class 2-A3” on the face thereof in substantially the form attached hereto as Exhibit A.

Class 2-A4 Certificates:  The
Certificates designated as “Class 2-A4” on the face thereof in substantially the form attached hereto as Exhibit A.

Clean-Up Call Percentage: 10%.

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

Closing Date: November 23, 2005.

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

Company: The meaning specified in the
introductory paragraph hereof.

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

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

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

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

Cooperative Loans:  Any of the
Mortgage Loans made in respect of a Cooperative Apartment, evidenced by a Mortgage Note and secured by the related Cooperative
Stock and the related Cooperative Lease, together with (i) the related Security Agreement, (ii) the related Cooperative Stock
Certificate, (iii) the related assignment or mortgage of the Cooperative Lease, (iv) the related financing statements, (v) the
related stock power or other similar instrument and (vi) the related Recognition Agreement

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

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

Corporate Trust Office: The corporate trust
office of the Trustee (in the case of the initial Trustee, in the State of California), at which at any particular time its
corporate trust business with respect to this Agreement shall be administered, which office at the date of the execution of this
Agreement is located at 1761 East St. Andrew Place, Santa Ana, CA 92705, Attention: Trust Administration WA05AC.

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

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

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

Current Loan-to-Value Ratio: The Principal
Balance of a Mortgage Loan as of the applicable date of substitution divided by the Appraised Value.

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

Curtailment Shortfall: For any Distribution
Date and for any Curtailment received in the Prior Period, an amount equal to one month’s interest on such Curtailment at the
Pass-Through Rate for the applicable Mortgage Loan.

Custodial Account for P&I: A custodial
account for principal and interest established and maintained by the Servicer pursuant to Section 3.02 either (a) with the
corporate trust department of the Trustee or another financial institution approved by the Servicer such that the rights of the
Servicer, the Trustee, the Trust, the Delaware Trustee and the Certificateholders thereto shall be fully protected against the
claims of any creditors or depositors of the institution in which such account is maintained, (b) within FDIC insured accounts (or
other accounts with comparable insurance coverage acceptable to the Rating Agencies) created, maintained and monitored by the
Servicer or (c) as a separate account at an Eligible Institution. In the event that a Custodial Account for P&I is established
pursuant to clause (b) of the preceding sentence, amounts held in such Custodial Account for P&I shall not exceed the level of
deposit insurance coverage on such account; accordingly, more than one Custodial Account for P&I may be established. In the
event that a Custodial Account for P&I is established pursuant to clause (c) it shall be entitled "[Name of Servicer] in trust
for holders of WaMu Mortgage Pass-Through Certificates, Series 2005-AR16."

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

Custodian: The Initial Custodian or a
successor custodian which is appointed by the Trustee with the consent of the Servicer, as provided in Article II hereof, pursuant
to a Custodial Agreement. Any Custodian shall act as agent on behalf of the Trustee.  The reasonable fees and expenses of the
Custodian shall be paid by the Servicer.

Cut-Off Date: November 1, 2005.

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

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

Depositary Agreement: The Letter of
Representations, dated November 22, 2005 by and among DTC, the Trust and the Trustee. The Trustee is authorized to enter into
the Depositary Agreement on behalf of the Trust.

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

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

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

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

DTC: The Depository Trust Company.

DTC Participant: A Person for whom DTC
effects book-entry transfers and pledges of securities deposited with DTC.

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

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

Eligible Investments: The investment
property or other property listed below:

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

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

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

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

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

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

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

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

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

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

ERISA Restricted Certificate: Any Senior
Subordinate Certificate.

Event of Default: The meaning specified in
Section 7.01.

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

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

Fannie Mae: The Federal National Mortgage
Association and any successor thereto.

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

FHA: The Federal Housing Administration, or
any successor thereto.

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

Fitch: Fitch Ratings, provided that at the
applicable time it is a Rating Agency.

Freddie Mac: The Federal Home Loan Mortgage
Corporation and any successor thereto.

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

Group 1-A Certificates:  The Class
1-A1, Class 1-A2, Class 1-A3, Class 1-A4A, Class 1-A4B and Class 1-A5 Certificates.

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

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

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

Group 1 Senior Prepayment Percentage or Group 2 Senior
Prepayment Percentage:  Subject to the immediately succeeding paragraph, (A) for any Distribution Date prior to the
seventh anniversary of the first Distribution Date, each of the Group 1 Senior Prepayment Percentage and the Group 2 Senior
Prepayment Percentage shall equal 100% and (B) for any Distribution Date on or after the seventh anniversary of the first
Distribution Date, the Group 1 Senior Prepayment Percentage and the Group 2 Senior Prepayment Percentage shall be calculated as
follows: (1) for any such Distribution Date on or after the seventh anniversary but before the eighth anniversary of the first
Distribution Date, the Group 1 Senior Percentage or the Group 2 Senior Percentage, as applicable, for such Distribution Date plus
70% of the Subordinate Percentage for the related Loan Group for such Distribution Date; (2) for any such Distribution Date on or
after the eighth anniversary but before the ninth anniversary of the first Distribution Date, the Group 1 Senior Percentage or the
Group 2 Senior Percentage, as applicable, for such Distribution Date plus 60% of the Subordinate Percentage for the related Loan
Group for such Distribution Date; (3) for any such Distribution Date on or after the ninth anniversary but before the tenth
anniversary of the first Distribution Date, the Group 1 Senior Percentage or the Group 2 Senior Percentage, as applicable, for such
Distribution Date plus 40% of the Subordinate Percentage for the related Loan Group for such Distribution Date; (4) for any such
Distribution Date on or after the tenth anniversary but before the eleventh anniversary of the first Distribution Date, the Group 1
Senior Percentage or the Group 2 Senior Percentage, as applicable, for such Distribution Date plus 20% of the Subordinate
Percentage for the related Loan Group for such Distribution Date; and (5) for any such Distribution Date thereafter, the Group 1
Senior Percentage or the Group 2 Senior Percentage, as applicable, for such Distribution Date; provided, however, that (x)
for any Distribution Date on or prior to the Distribution Date in November 2008, if (i) the Group B Percentage for such
Distribution Date is greater than or equal to twice the Group B Percentage as of the Closing Date and (ii) cumulative Realized
Losses on the Mortgage Loans allocated to the Class B Certificates, as a percentage of the aggregate Class Principal Balance of the
Class B Certificates as of the Closing Date, do not exceed 20%, then the Group 1 Senior Prepayment Percentage and the Group 2
Senior Prepayment Percentage shall equal the Group 1 Senior Percentage or the Group 2 Senior Percentage, as applicable, for such
Distribution Date plus 50% of the Subordinate Percentage for the related Loan Group for such Distribution Date and (y) for any
Distribution Date after the Distribution Date in November 2008, if (i) the Group B Percentage for such Distribution Date is
greater than or equal to twice the Group B Percentage as of the Closing Date and (ii) cumulative Realized Losses on the Mortgage
Loans allocated to the Class B Certificates, as a percentage of the aggregate Class Principal Balance of the Class B Certificates
as of the Closing Date, do not exceed 30%, then the Group 1 Senior Prepayment Percentage and the Group 2 Senior Prepayment
Percentage shall equal the Group 1 Senior Percentage or the Group 2 Senior Percentage, as applicable, for such Distribution
Date.

Notwithstanding the immediately preceding paragraph, (A) for any
Distribution Date, if the Group 1 Senior Percentage for such Distribution Date is greater than the Group 1 Senior Percentage as of
the Closing Date or the Group 2 Senior Percentage for such Distribution Date is greater than the Group 2 Senior Percentage as of
the Closing Date, then each of the Group 1 Senior Prepayment Percentage and Group 2 Senior Prepayment Percentage shall equal 100%,
(B) for any Distribution Date on or before the seventh anniversary of the first Distribution Date, if any of the tests specified in
clauses (a) through (d) below is met, then each of the Group 1 Senior Prepayment Percentage and Group 2 Senior Prepayment
Percentage shall equal 100% and (C) for any Distribution Date after the seventh anniversary of the first Distribution Date, if any
of the tests specified in clauses (a) through (d) below is met (unless either (w) the Group 1 Senior Percentage for such
Distribution Date is greater than the Group 1 Senior Percentage as of the Closing Date, (x) the Group 2 Senior Percentage for such
Distribution Date is greater than the Group 2 Senior Percentage as of the Closing Date or (y) there is no Earlier Distribution Date
(as defined below), in each of which case each of the Group 1 Senior Prepayment Percentage and the Group 2 Senior Prepayment
Percentage shall equal 100%), then each of the Group 1 Senior Prepayment Percentage and the Group 2 Senior Prepayment Percentage
shall be calculated as follows:  (1) if the most recent preceding Distribution Date on which none of the tests specified in
clauses (a) through (d) below was met (such date referred to as the “Earlier Distribution Date”) is on or after
the seventh anniversary but before the eighth anniversary of the first Distribution Date, then the Group 1 Senior Prepayment
Percentage and the Group 2 Senior Prepayment Percentage shall equal the Group 1 Senior Percentage or the Group 2 Senior Percentage,
as applicable, for the current Distribution Date plus 70% of the Subordinate Percentage for the related Loan Group for the current
Distribution Date, (2) if the Earlier Distribution Date is on or after the eighth anniversary but before the ninth anniversary of
the first Distribution Date, then the Group 1 Senior Prepayment Percentage and the Group 2 Senior Prepayment Percentage shall equal
the Group 1 Senior Percentage or the Group 2 Senior Percentage, as applicable, for the current Distribution Date plus 60% of the
Subordinate Percentage for the related Loan Group for the current Distribution Date, (3) if the Earlier Distribution Date is on or
after the ninth  anniversary but before the tenth anniversary of the first Distribution Date, then the Group 1 Senior
Prepayment Percentage and the Group 2 Senior Prepayment Percentage shall equal the Group 1 Senior Percentage or the Group 2 Senior
Percentage, as applicable, for the current Distribution Date plus 40% of the Subordinate Percentage for the related Loan Group for
the current Distribution Date, (4) if the Earlier Distribution Date is on or after the tenth anniversary but before the eleventh
anniversary of the first Distribution Date, then the Group 1 Senior Prepayment Percentage and the Group 2 Senior Prepayment
Percentage shall equal the Group 1 Senior Percentage or the Group 2 Senior Percentage, as applicable, for the current Distribution
Date plus 20% of the Subordinate Percentage for the related Loan Group for the current Distribution Date, and (5) if the Earlier
Distribution Date is on or after the eleventh anniversary of the first Distribution Date, then the Group 1 Senior Prepayment
Percentage and the Group 2 Senior Prepayment Percentage shall equal the Group 1 Senior Percentage or the Group 2 Senior Percentage,
as applicable, for the current Distribution Date:

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

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

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

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

If on any Distribution Date the allocation to the Group 1-A or
Group 2-A Certificates of Principal Prepayments in the percentage required would reduce the aggregate Class Principal Balance
of such Certificates below zero, the Group 1 Senior Prepayment Percentage or the Group 2 Senior Prepayment Percentage, as
applicable, for such Distribution Date shall be limited to the percentage necessary to reduce such aggregate Class Principal
Balance to zero.

Group 1 Senior Principal Distribution
Amount: For any Distribution Date, an amount equal to the sum of (a) the Group 1 Senior Percentage of the Principal
Payment Amount for Loan Group 1, (b) the Group 1 Senior Prepayment Percentage of the Principal Prepayment Amount for Loan Group 1
and (c) the Group 1 Senior Liquidation Amount.

Group 1 Subordinate Balance:  For any
date of determination, an amount equal to the then outstanding aggregate Principal Balance of the Group 1 Loans reduced by the
aggregate Class Principal Balance of the Group 1-A and Residual Certificates.

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

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

Group 2-A Certificates:  The Class
2-A1, Class 2-A2, Class 2-A3 and Class 2-A4 Certificates.

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

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

Group 2 Senior Percentage: For any
Distribution Date, the lesser of (i) 100% and (ii) the aggregate Class Principal Balance of the Group 2-A Certificates divided by
the aggregate Principal Balance of the Group 2 Loans, in each case immediately before such Distribution Date.

Group 2 Senior Prepayment Percentage: See
the definition of “Group 1 Senior Prepayment Percentage or Group 2 Senior Prepayment Percentage.”

Group 2 Senior Principal Distribution
Amount: For any Distribution Date, an amount equal to the sum of (a) the Group 2 Senior Percentage of the Principal
Payment Amount for Loan Group 2, (b) the Group 2 Senior Prepayment Percentage of the Principal Prepayment Amount for Loan Group 2
and (c) the Group 2 Senior Liquidation Amount.

Group 2 Subordinate Balance:  For any
date of determination, an amount equal to the then outstanding aggregate Principal Balance of the Group 2 Loans reduced by the
aggregate Class Principal Balance of the Group 2-A Certificates.

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

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

Index:  Initially, either One-Year CMT
or One-Year LIBOR, as set forth on the Mortgage Loan Schedule.  In the event such initial Index is no longer available, the
Servicer will select a substitute Index in accordance with the terms of the related Mortgage Note and in compliance with applicable
law.

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

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

Initial Custodian:  Washington Mutual Bank fsb.

Insurance Proceeds: Amounts paid or payable
by the insurer under any Primary Insurance Policy or any other insurance policy (including any replacement policy permitted under
this Agreement) covering any Mortgage Loan or Mortgaged Property, including, without limitation, any hazard insurance policy
required pursuant to Section 3.07, any title insurance policy and any FHA insurance policy or VA guaranty, to the extent such
amounts are not released to the Mortgagor in accordance with prudent mortgage loan servicing practices.

Interest Distribution Amount: For any
Distribution Date, for any Class of REMIC I Regular Interests, the Class R-1 Residual Interest and the Certificates, the amount of
interest accrued during the Prior Period, at the related Certificate Interest Rate for such Class for such Distribution Date, on
the respective Class Principal Balance immediately before such Distribution Date, reduced by Uncompensated Interest Shortfall and
the interest portion of Realized Losses allocated to such Class on such Distribution Date pursuant to the definitions of
“Uncompensated Interest Shortfall” and “Realized Loss,” respectively. 

The computation of interest accrued shall be made on the basis of a
360-day year of twelve 30-day months. 

Interest Transfer Amount: On any
Distribution Date for an Undercollateralized Group, an amount equal to one month’s interest on the applicable Principal
Transfer Amount at the Loan Group 1 Weighted Average Pass-Through Rate if the Undercollateralized Group is Loan Group 1 and at the
Loan Group 2 Weighted Average Pass-Through Rate if the Undercollateralized Group is Loan Group 2 plus any interest accrued on
the Senior Certificates related to such Undercollateralized Group remaining unpaid from prior Distribution Dates.

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

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

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

Last Scheduled Distribution
Date:  With respect to any Class of Certificates, the Final Maturity Date for such Class.

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

Liquidation Principal: The principal
portion of Liquidation Proceeds and Insurance Proceeds received with respect to each Mortgage Loan which became a Liquidated
Mortgage Loan during the Prior Period (but not in excess of the principal balance thereof).

Liquidation Proceeds: Amounts received and
retained in connection with the liquidation of defaulted Mortgage Loans, whether through foreclosure or otherwise, other than
Insurance Proceeds and other than Subsequent Recoveries, and (except for purposes of the definition of “Realized Loss”)
after deduction of amounts reimbursable under Section 3.05(a)(i) and (ii).

Loan Group: Loan Group 1 or Loan Group 2,
as applicable.

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

Loan Group 1 Weighted Average
Pass-Through Rate:  For any Distribution Date, the weighted average of the Pass-Through Rates on the Group 1
Loans as of the second preceding Due Date (after giving effect to the payments due on the Group 1 Loans on that Due Date and after
giving effect to any Payoffs on the Group 1 Loans received on or before the 14th day of the calendar month immediately preceding
the calendar month of that Distribution Date).

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

Loan Group 2 Weighted Average Pass-Through
Rate:  For any Distribution Date, the weighted average of the Pass-Through Rates on the Group 2 Loans as of the
second preceding Due Date (after giving effect to the payments due on the Group 2 Loans on that Due Date and after giving effect to
any Payoffs on the Group 2 Loans received on or before the 14th day of the calendar month immediately preceding the calendar month
of that Distribution Date).

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

Margin:  For each Mortgage Loan, the
applicable fixed per annum percentage rate specified in the applicable Mortgage Note and designated as such in the Mortgage Loan
Schedule.

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

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

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

MIN: The Mortgage Identification Number for
a MERS Loan.

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

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

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

Moody’s:  Moody’s
Investors Service, Inc., provided that at the applicable time it is a Rating Agency.

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

Mortgage File: The following documents or
instruments with respect to each Mortgage Loan, (X) with respect to each Mortgage Loan that is not a Cooperative Loan:

(i)                  The
original Mortgage Note endorsed (A) in blank, without recourse, (B) to the Trustee, without recourse, or (C) to the Trust, without
recourse, and all intervening endorsements evidencing a complete chain of endorsements from the originator to the endorser last endorsing the Mortgage Note, or, in the event of any Destroyed Mortgage Note, a copy or a
duplicate original of the Mortgage Note (or portion thereof, as applicable), together with an original lost note affidavit from the
originator of the Mortgage Loan, the applicable Seller or the Company stating that the original Mortgage Note (or portion thereof,
as applicable) was lost, misplaced or destroyed, together with a copy of the Mortgage Note (or portion thereof, as applicable);
provided, however, that in the event that either (a) Washington Mutual Bank or Washington Mutual Bank fsb is the Seller of
the Mortgage Loan or (b) Washington Mutual Mortgage Securities Corp. is the Seller of the Mortgage Loan and purchased the Mortgage
Loan from Washington Mutual Bank or Washington Mutual Bank fsb, then the Mortgage Note need not be endorsed in blank or to the
Trustee or the Trust as provided above, but, if not so endorsed, shall be made payable to, or properly endorsed to, Washington
Mutual Bank or Washington Mutual Bank fsb, as applicable;

(ii)                The
Buydown Agreement, if applicable;

(iii)        
(1)        (x) the original recorded Mortgage with evidence of recording thereon for the
jurisdiction in which the Mortgaged Property is located (which original recorded Mortgage, in the case of a MOM Loan, shall set
forth the MIN and shall indicate that the Mortgage Loan is a MOM Loan), (y) unless the Mortgage Loan is a MERS Loan, an original
assignment of the Mortgage duly executed and acknowledged in recordable form (A) in blank, (B) to the Trustee or (C) to the Trust,
and (z) unless the Mortgage Loan is a MOM Loan, recorded originals of all intervening assignments evidencing a complete chain of
assignment from the originator to the person executing the assignment described in clause (y); or

(2)        (x) a copy (which may be in electronic form) of the Mortgage (which Mortgage,
in the case of a MOM Loan, shall set forth the MIN and shall indicate that the Mortgage Loan is a MOM Loan) which represents a true
and correct reproduction of the original Mortgage and which has either been certified (i) on the face thereof by the public
recording office in the appropriate jurisdiction in which the Mortgaged Property is located, or (ii) by the originator, the
applicable Seller, the Servicer or the escrow or title company which provided closing services in
connection with such Mortgage Loan as a true and correct copy the original of which has been sent for recordation, (y) unless the
Mortgage Loan is a MERS Loan, an original assignment of the Mortgage duly executed and acknowledged in recordable form (A) in
blank, (B) to the Trustee or (C) to the Trust, and (z) unless the Mortgage Loan is a MOM Loan, true and correct copies, certified
by the applicable county recorder or by the originator, the applicable Seller or the Servicer as
described above, of all intervening assignments evidencing a complete chain of assignment from the originator to the person
executing the assignment described in clause (y);

provided, however, that in the event that either (a) Washington Mutual Bank or
Washington Mutual Bank fsb is the Seller of the Mortgage Loan or (b) Washington Mutual Mortgage Securities Corp. is the Seller of
the Mortgage Loan and purchased the Mortgage Loan from Washington Mutual Bank or Washington Mutual Bank fsb, then the Mortgage File
need not include an assignment of the Mortgage executed in blank or to the Trustee or the Trust as provided in clause
(X)(iii)(1)(y) or (X)(iii)(2)(y) above, as applicable, but the Mortgage File shall, unless the Mortgage Loan was originated by
Washington Mutual Bank or Washington Mutual Bank fsb, include a complete chain of assignments of the related Mortgage from the
originator of such Mortgage Loan to Washington Mutual Bank or Washington Mutual Bank fsb, as applicable; and

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

and (Y) with respect to each Cooperative Loan:

(i)                  the
original Mortgage Note endorsed (A) in blank, without recourse, (B) to the Trustee, without recourse, or (C) to the Trust, without
recourse, and all intervening endorsements evidencing a complete chain of endorsements from the originator to the endorser last endorsing the Mortgage Note, or, in the event of any Destroyed Mortgage Note, a copy or a
duplicate original of the Mortgage Note (or portion thereof, as applicable), together with an original lost note affidavit from the
originator of the Cooperative Loan, the applicable Seller or the Company, as applicable, stating that the original Mortgage Note
(or portion thereof, as applicable) was lost, misplaced or destroyed, together with a copy of the Mortgage Note (or portion
thereof, as applicable); provided, however, that in the event that either (a) Washington Mutual Bank or Washington Mutual
Bank fsb is the Seller of the Mortgage Loan or (b) Washington Mutual Mortgage Securities Corp. is the Seller of the Mortgage Loan
and purchased the Mortgage Loan from Washington Mutual Bank or Washington Mutual Bank fsb, then the Mortgage Note need not be
endorsed in blank or to the Trustee or the Trust as provided above, but, if not so endorsed, shall be made payable to, or properly
endorsed to, Washington Mutual Bank or Washington Mutual Bank fsb, as applicable;

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

(iii)               The
Cooperative Stock Certificate, together with an undated stock power or other similar instrument executed in blank;

(iv)              The Recognition
Agreement;

(v)                The
Security Agreement;

(vi)              Copies of the
original UCC financing statement, and any continuation statements or amendments thereof, each with evidence of recording thereof,
perfecting the security interest granted under the Security Agreement and the Assignment of Proprietary Lease;

(vii)             Copies of the filed
UCC assignments or amendments of the UCC financing statements described in clause (vi) above showing an unbroken chain of
assignments from the originator to the Trustee or the Trust, each with evidence of recording thereof;

(viii)           Executed assignments of the
interest of the originator in the Security Agreement, the Assignment of Proprietary Lease and the Recognition Agreement, showing an
unbroken chain of assignments from the originator to the Trustee or the Trust; and

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

provided,
however, that in the event that either (a) Washington Mutual Bank or Washington Mutual Bank fsb is the Seller of the
Mortgage Loan or (b) Washington Mutual Mortgage Securities Corp. is the Seller of the Mortgage Loan and purchased the Mortgage Loan
from Washington Mutual Bank or Washington Mutual Bank fsb, then the Mortgage File need not include (1) a UCC assignment or
amendment of the UCC financing statement referenced in clause (Y)(vi) above to the Trustee or the Trust as provided in clause
(Y)(vii) above, but the Mortgage File shall, unless the Cooperative Loan was originated by Washington Mutual Bank or Washington
Mutual Bank fsb, include a UCC assignment or amendment of such UCC financing statement to Washington Mutual Bank or Washington
Mutual Bank fsb, as applicable, or (2) an assignment of the interest of the originator in the Security Agreement, the Assignment of
Proprietary Lease and the Recognition Agreement to the Trustee or the Trust as provided in clause (Y)(viii) above, but the Mortgage
File shall, unless the Cooperative Loan was originated by Washington Mutual Bank or Washington Mutual Bank fsb, include an
assignment of such interest to Washington Mutual Bank or Washington Mutual Bank fsb, as applicable.

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

Mortgage Loan Purchase Agreement: The
Mortgage Loan Purchase and Sale Agreement, dated as of October 25, 2005, among the Company, Washington Mutual Bank and Washington
Mutual Bank fsb, as supplemented and amended by the Term Sheet, dated the Closing Date, between the Company and Washington Mutual
Bank and relating to the Certificates.

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

(i)                  its
loan number,

(ii)                the
city, state and zip code of the Mortgaged Property,

(iii)               the
Monthly Payment as of the Cut-Off Date,

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

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

(vi)              the Mortgage
Interest Rate, as of the Cut-Off Date, under the Mortgage Note and the Rate Ceiling and Mortgage Loan Margin under the Mortgage
Note,

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

(viii)           the maturity of the Mortgage Note,

(ix)              the Servicing Fee Rate,
and

(x)                its Loan
Group.

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

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

Mortgage Pool: All of the Mortgage
Loans.

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

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

Mortgagor: The obligor on a Mortgage
Note.

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

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

Notice Addresses: (a) In the case of the
Company, 1201 Third Avenue, WMT 1706A, Seattle, WA 98101, or such other address as may hereafter be furnished to the Trustee in
writing by the Company, (b) in the case of the Servicer, 19850 Plummer St. (Mail Stop N070205) Chatsworth, California 91311, Fax
No: (818) 775-2815, Attention: Vice President Investor Reporting, with a copy to: Washington Mutual Legal Department, 1201 Third
Avenue, WMT 1706, Seattle, WA 98101, Fax No: (206) 377-6244, Attention: WaMu, and with a copy to Washington Mutual Mortgage
Securities Corp., 75 North Fairway Drive, Vernon Hills, Illinois 60061, Attention: Bond Administration, or such other address and
fax number as may hereafter be furnished in writing by the Servicer, (c) in the case of the Trustee, at its Corporate Trust Office,
or such other address as may hereafter be furnished to the Servicer in writing by the Trustee, (d) in the case of the Delaware
Trustee, 1011 Centre Road, Suite 200, Wilmington, DE 19805-1266, or such other address as may hereafter be furnished to the
Servicer in writing by the Delaware Trustee, (e) in the case of the Trust, c/o Deutsche Bank National Trust Company, at the
Corporate Trust Office, or such other address as may hereafter be furnished to the Servicer in writing by the Trustee, (f) in the
case of the Certificate Registrar, at its Corporate Trust Office, or such other address as may hereafter be furnished to the
Trustee in writing by the Certificate Registrar, (g) in the case of S&P, 55 Water Street, 41st Floor, New York, New York
10041-0003, Attention:  Residential Mortgage Backed Securities Surveillance Group, or such other address as may hereafter be
furnished to the Trustee and Servicer in writing by S&P and (h) in the case of Fitch, 1 State Street Plaza, New York, New York
10004, Attention: Glenn Costello, or such other address as may hereafter be furnished to the Trustee and Servicer in writing by
Fitch.

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

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

One-Year CMT:  The weekly average
yield on United States Treasury Securities adjusted to a constant maturity of one year, as made available by the Federal Reserve
Board, published in Federal Reserve Statistical Release H.15(519) most recently available as of 45 days before the applicable
Adjustment Date.

One-Year LIBOR: The average of interbank
offered rates for one-year U.S. dollar-denominated deposits in the London market, as published in The Wall Street Journal
and most recently available as of the date 45 days before the applicable Adjustment Date.

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

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

Overcollateralized Group:  Either Loan
Group, if on any Distribution Date such Loan Group is not an Undercollateralized Group and the other Loan Group is an
Undercollateralized Group.

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

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

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

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

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

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

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

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

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

(i)                  with
respect to any Certificate (other than the Residual Certificates), its Certificate Principal Balance divided by the applicable
Class Principal Balance; and

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

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

(i)                  with
respect to any Certificate (other than the Residual Certificates), its Certificate Principal Balance divided by the Aggregate
Certificate Principal Balance of the Certificates; and

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

Periodic Cap: 
For each Mortgage Loan, any applicable limit on adjustment of the Mortgage Interest Rate for each Adjustment Date specified in the
applicable Mortgage Note and designated as such in the Mortgage Loan Schedule.

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

Person: Any individual, corporation,
limited liability company, partnership, joint venture, association, joint-stock company, trust, unincorporated organization,
government or any agency or political subdivision thereof, or any other entity or organization, whether or not a legal entity.

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

Primary Insurance Policy: With respect to
any Mortgage Loan, a primary policy of mortgage guaranty insurance, if any, on such Mortgage Loan (including any Special Primary
Insurance Policy).

Principal Balance: Except as used in
Sections 2.08, 3.09 and 9.01 and except for purposes of the definition of Repurchase Price, at the time of any determination, the
principal balance of a Mortgage Loan remaining to be paid at the close of business on the Cut‐Off Date, after application of
all scheduled principal payments due on or before the Cut‐Off Date, whether or not received (or, in the case of a Substitute
Mortgage Loan, its principal balance on its date of substitution, after deduction of all scheduled principal payments due on or
before such date, whether or not received), reduced by all amounts distributed or (except when such determination occurs earlier in
the month than the Distribution Date) to be distributed to Certificateholders through the Distribution Date in the month of
determination that are reported as allocable to principal of such Mortgage Loan.

For purposes of the definition of Repurchase Price and as used in
Sections 2.08, 3.09 and 9.01, at the time of any determination, the principal balance of a Mortgage Loan remaining to be paid at
the close of business on the Cut-Off Date, after deduction of all scheduled principal payments due on or before the Cut-Off Date,
whether or not received (or, in the case of a Substitute Mortgage Loan, its principal balance on its date of substitution, after
deduction of all scheduled principal payments due on or before such date, whether or not received), reduced by all amounts
distributed or to be distributed to Certificateholders (other than the price paid by the Servicer in connection with a purchase by
the Servicer of the Mortgage Loans pursuant to Section 9.01) through the Distribution Date in the month of determination that are
reported as allocable to principal of such Mortgage Loan.

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

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

Principal Payment Amount: For any
Distribution Date and for any Loan Group, the sum with respect to the Mortgage Loans in such Loan Group of (i) the scheduled
principal payments (if any) on the Mortgage Loans due on the related Due Date, (ii) the principal portion of Repurchase Proceeds
received during the Prior Period and (iii) any other unscheduled payments of principal which were received with respect to any
Mortgage Loan during the Prior Period, other than Payoffs, Curtailments, Liquidation Principal and Subsequent Recoveries.

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

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

Principal Transfer Amount: For any
Distribution Date for each Undercollateralized Group, the excess, if any, of the aggregate Class Principal Balance of the Class A
Certificates related to such Undercollateralized Group over the aggregate Principal Balance of the Mortgage Loans in such Loan
Group, in each case immediately prior to such Distribution Date.

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

Prospectus:  The Prospectus,
dated October 21, 2005, and the Prospectus Supplement, dated November 21, 2005, of the Company.

Rate Ceiling:  The maximum per annum
Mortgage Interest Rate permitted under the related Mortgage Note.

Rate Floor:  The minimum per annum
Mortgage Interest Rate permitted under the related Mortgage Note.

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

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

Reacquired Mortgage Loan: A Mortgage Loan
for which another Mortgage Loan is substituted pursuant to and in accordance with the provisions of Section 2.08.

Realized Loss: For any Distribution Date,
with respect to any Mortgage Loan that became a Liquidated Mortgage Loan during the related Prior Period, the sum of (A) the
excess, if any, of (i) accrued and unpaid interest on such Mortgage Loan over (ii) the aggregate Insurance Proceeds and Liquidation
Proceeds received with respect to such Mortgage Loan (the interest portion of such Realized Loss) and (B) the excess, if any, of
(i) the sum of (a) the Principal Balance of such Mortgage Loan and (b) the aggregate amount of Monthly P&I Advances (other than
advances of delinquent interest) and any other advances made hereunder by the Servicer with respect to such Mortgage Loan, to the
extent not previously reimbursed, over (ii) the aggregate Insurance Proceeds and Liquidation Proceeds received with respect to such
Mortgage Loan (the amount in this clause (B)(ii) reduced by the amount in clause (A)(i) above) (the principal portion of such
Realized Loss); provided, however, that for purposes of allocating Realized Losses to the REMIC IRegular Interests and the Certificates pursuant to this definition of “Realized Loss,” the aggregate
principal portion of Realized Losses for any Distribution Date for any Loan Group shall be reduced by the Cumulative Carry-Forward
Subsequent Recoveries Amount for such Distribution Date for such Loan Group. For any Distribution Date, with respect to any
Mortgage Loan that is not a Liquidated Mortgage Loan, the amount of the Bankruptcy Loss for such Mortgage Loan and such
Distribution Date.

Realized Losses on Group 1 Loans and Group 2 Loans shall be allocated
among the REMIC I Regular Interests as follows: (1) The interest portion of Realized Losses on Group 1 Loans, if any, shall be
allocated among the Class Y-1 and Class Z-1 Regular Interests pro rata according to the amount of interest accrued but unpaid
thereon, in reduction thereof and (2) the interest portion of Realized Losses on Group 2 Loans, if any, shall be allocated among
the Class Y-2 and Class Z-2 Regular Interests pro rata according to the amount of interest accrued but unpaid thereon, in reduction
thereof.  Any interest portion of such Realized Losses in excess of the amount allocated pursuant to the preceding sentence
shall be treated as a principal portion of Realized Losses not attributable to any specific Mortgage Loan in such Loan Group and
allocated pursuant to the succeeding sentences.  The remainder of the principal portion of Realized Losses with respect to
Loan Group 1 and Loan Group 2 shall be allocated to the REMIC I Regular Interests as follows: (1) The principal portion of Realized
Losses on Group 1 Loans shall be allocated, first, to the Class Y-1 Regular Interest to the extent of the Class Y-1 Principal
Reduction Amount in reduction of the Class Principal Balance of such Regular Interest and, second, the remainder, if any, of such
principal portion of such Realized Losses shall be allocated to the Class Z-1 Regular Interest in reduction of the Class Principal
Balance thereof and (2) the principal portion of Realized Losses on Group 2 Loans shall be allocated, first, to the Class Y-2
Regular Interest to the extent of the Class Y-2 Principal Reduction Amount in reduction of the Class Principal Balance of such
Regular Interest and, second, the remainder, if any, of such principal portion of such Realized Losses shall be allocated to the
Class Z-2 Regular Interest in reduction of the Class Principal Balance thereof.

Realized Losses on Mortgage Loans in a Loan Group shall be allocated
among the Certificates (i) for Realized Losses allocable to principal (a) first, to the Class B-6 Certificates, until the Class B-6
Principal Balance has been reduced to zero, (b) second, to the Class B-5 Certificates, until the Class B-5 Principal Balance has
been reduced to zero, (c) third, to the Class B-4 Certificates, until the Class B-4 Principal Balance has been reduced to zero, (d)
fourth, to the Class B-3 Certificates, until the Class B-3 Principal Balance has been reduced to zero, (e) fifth, to the Class B-2
Certificates, until the Class B-2 Principal Balance has been reduced to zero, (f) sixth, to the Class B-1 Certificates, until the
Class B-1 Principal Balance has been reduced to zero, and (g) seventh, (x) with respect to Realized Losses on Group 1 Loans, (A)
first, to the Class 1-A5 Certificates, until the Class 1-A5 Principal Balance has been reduced to zero, and (B) second, to the
Class 1-A1, Class 1-A2, Class 1-A3, Class 1-A4A and Class 1-A4B Certificates, pro rata according to, and in reduction of, the Class
Principal Balances thereof; provided, however, that any loss with respect to principal otherwise allocable to the
Class 1-A4A Certificates will be allocated first, to the Class 1-A4B Certificates until its Class Principal Balance has
been reduced to zero and (y) with respect to Realized Losses on Group 2 Loans, (A) first, to the Class 2-A4 Certificates,
until its Class Principal Balance has been reduced to zero and second, to the Class 2-A1, Class 2-A2 and Class 2-A3
Certificates, pro rata, until their respective Class Principal Balances have been reduced to zero; and (ii) for Realized Losses
allocable to interest (a) first, to the Class B-6 Certificates, in reduction of accrued but unpaid interest thereon and then in
reduction of the Class B-6 Principal Balance, (b) second, to the Class B-5 Certificates, in reduction of accrued but unpaid
interest thereon and then in reduction of the Class B-5 Principal Balance, (c) third, to the Class B-4 Certificates, in reduction
of accrued but unpaid interest thereon and then in reduction of the Class B-4 Principal Balance, (d) fourth, to the Class B-3
Certificates, in reduction of accrued but unpaid interest thereon and then in reduction of the Class B-3 Principal Balance, (e)
fifth, to the Class B-2 Certificates, in reduction of accrued but unpaid interest thereon and then in reduction of the Class B-2
Principal Balance, (f) sixth, to the Class B-1 Certificates, in reduction of accrued but unpaid interest thereon and then in
reduction of the Class B-1 Principal Balance, and (g) seventh, (x) with respect to Realized Losses on Group 1 Loans, (A) first, to
the Class 1-A5 Certificates, in reduction of accrued but unpaid interest thereon and then in reduction of the Class 1-A5 Principal
Balance, and (B) second, to the Class 1-A1, Class 1-A2, Class 1-A3, Class 1-A4A and Class 1-A4B Certificates, pro rata according to
accrued but unpaid interest on such Classes, in reduction thereof, and then to such Classes, pro rata according to, and in
reduction of, the Class Principal Balances thereof; provided, however, that any loss with respect to interest otherwise
allocable to the Class 1-A4A Certificates will be allocated first, to the Class 1-A4B Certificates in reduction of
accrued but unpaid interest thereon and then in reduction of the Class 1-A4B Principal Balance; and (y) with respect to Realized
Losses on Group 2 Loans, (A) first, to the Class 2-A4 Certificates, in reduction of accrued but unpaid interest thereon and then in
reduction of the Class 2-A4 Principal Balance, and (B) second, to the Class 2-A1, Class 2-A2 and Class 2-A3Certificates, pro rata
according to accrued but unpaid interest on such Classes, in reduction thereof, and then to such Classes, pro rata according to,
and in reduction of, the Class Principal Balances thereof.

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

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

Recording Documents: With respect to each
Mortgage Loan, the original recorded Mortgage relating to such Mortgage Loan and any intervening assignment thereof required to be
included in the Mortgage File with evidence of recording thereon (or a copy of such original Mortgage or intervening assignment
certified by the applicable recording office) (which may be in electronic form).

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

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

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

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

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

REMIC I: The segregated pool of assets of
the Trust consisting of the REMIC I Assets.

REMIC I Assets: All of the Mortgage Pool
Assets and any proceeds thereof.

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

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

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

(b)       
all Curtailments received after the Prior Period;

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

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

(e)       
all amounts payable to the Servicer in reimbursement for advances made by the Servicer pursuant to this Agreement;

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

(g)       
Excess Liquidation Proceeds;

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

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

(b)       
Compensating Interest for such Distribution Date; and

(3)        Repurchase Proceeds
received during the Prior Period.

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

(a)        To the extent of the
REMIC I Available Distribution Amount for Loan Group 1:

(i)         first, to the
Class Y-1 and Class Z-1 Regular Interests and the Class R-1 Residual Interest, concurrently, the Interest Distribution Amounts for
such Classes remaining unpaid from previous Distribution Dates, pro rata according to their respective shares of such unpaid
amounts;

(ii)        second, to the Class
Y-1 and Class Z-1 Regular Interests and the Class R-1 Residual Interest, concurrently, the Interest Distribution Amounts for such
Classes for the current Distribution Date, pro rata according to their respective Interest Distribution Amounts;

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

(iv)       fourth, to the Class Y-1
and Class Z-1 Regular Interests, the Class Y-1 Principal Distribution Amount and the Class Z-1 Principal Distribution Amount,
respectively. 

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

(i)         first, to the
Class Y-2 and Class Z-2 Regular Interests, concurrently, the Interest Distribution Amounts for such Classes remaining unpaid from
previous Distribution Dates, pro rata according to their respective shares of such unpaid amounts;

(ii)        second, to the Class
Y-2 and Class Z-2 Regular Interests, concurrently, the Interest Distribution Amounts for such Classes for the current Distribution
Date, pro rata according to their respective Interest Distribution Amounts; and

(iii)       third, to the Class Y-2
and Class Z-2 Regular Interests, the Class Y-2 Principal Distribution Amount and the Class Z-2 Principal Distribution Amount,
respectively.

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

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

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

REMIC I Regular Interests: The Classes of
undivided beneficial interests in REMIC I designated as “regular interests” in the table titled “REMIC I
Interests” in the Preliminary Statement hereto.

REMIC II: The segregated pool of assets of
the Trust consisting of the REMIC II Assets.

REMIC II Assets: The REMIC I Regular
Interests.

REMIC II Available Distribution Amount:
With respect to the Group 1-A Certificates, on any Distribution Date, the aggregate of all distributions to the Class Y-1 and Class
Z-1 Regular Interests (which amount shall be available for distributions to the Group 1-A Certificates and Class B Certificates and
the Class R-2 Residual Interest as provided herein). With respect to the Group 2-A Certificates, on any Distribution Date, the
aggregate of all distributions to the Class Y-2 and Class Z-2 Regular Interests (which amount shall be available for distributions
to the Group 2-A Certificates and Class B Certificates and the Class R-2 Residual Interest as provided herein).

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

(a)        With respect to the
Group 1-A Certificates, on any Distribution Date prior to the Credit Support Depletion Date, to the extent of the REMIC II
Available Distribution Amount for the Group 1-A Certificates for such Distribution Date:

(i)         first, to the Group 1-A Certificates, concurrently, the Interest
Distribution Amounts for such Classes remaining unpaid from previous Distribution Dates, pro rata according to their respective
shares of such unpaid amounts;

(ii)       
second, to the Group 1-A Certificates, concurrently, the Interest Distribution Amounts for such Classes for the current
Distribution Date, pro rata according to their respective Interest Distribution Amounts; and

(iii)       third, to the Group 1-A Certificates, as principal, the
Group 1 Senior Principal Distribution Amount (reduced, on the first Distribution Date, by $100), concurrently, as
follows:

(a)        95.849178378% to the Class 1-A1, Class 1-A2, Class 1-A3,
Class 1-A4A and Class 1-A4B Certificates; sequentially, as follows:

(1)        first, to the Class 1-A1 Certificates, until the Class 1-A1 Principal
Balance has been reduced to zero;

(2)        second, to the Class 1-A2 Certificates, until the Class 1-A2 Principal
Balance has been reduced to zero; and

(3)        third, to the Class 1-A3, Class 1-A4A and Class 1-A4B Certificates,
pro rata, until the Class 1-A3, Class 1-A4A and Class 1-A4B Principal Balances have each been reduced to zero;
and

(b)        4.150821622% to the Class 1-A5 Certificates, until the Class 1-A5 Principal
Balance has been reduced to zero;

(b)        With respect to the Group 2-A Certificates, on any Distribution Date
prior to the Credit Support Depletion Date, to the extent of the REMIC II Available Distribution Amount for the Group 2-A
Certificates for such Distribution Date:

(i)         first, to the Group 2-A Certificates, concurrently, the Interest
Distribution Amounts for such Classes remaining unpaid from previous Distribution Dates, pro rata according to their respective
shares of such unpaid amounts;

(ii)       
second, to the Group 2-A Certificates, concurrently, the Interest Distribution Amounts for such Classes for the current
Distribution Date, pro rata according to their respective Interest Distribution Amounts; and

(iii)       third, to the Group 2-A Certificates, as principal, the Group 2 Senior Principal
Distribution Amount, concurrently, as follows:

(a)        10.436452441% to the Class 2-A1 Certificates, until the Class 2-A1 Principal
Balance has been reduced to zero;

(b)        85.411926778% to the Class 2-A2 and Class 2-A3 Certificates;
sequentially, as follows:

(1)        first, to the Class 2-A2 Certificates, until the Class 2-A2
Principal Balance has been reduced to zero;

(2)        second, to the Class 2-A3 Certificates, until the Class 2-A3
Principal Balance has been reduced to zero; and

(c)        4.151620781% to the Class 2-A4 Certificates, until the Class 2-A4 Principal
Balance has been reduced to zero.

(c)        With respect to the
Group 1-A, Group 2-A and Class B Certificates and the Class R-2 Residual Interest, on any Distribution Date prior to the
Credit Support Depletion Date, to the extent of the REMIC II Available Distribution Amount for the Group 1-A and
Group 2-A Certificates for such Distribution Date remaining after the payment of the amounts pursuant to paragraphs (I)(a) and
(I)(b) of this definition of “REMIC II Distribution Amount”:

(i)         first, to the Class B-1 Certificates, the Interest Distribution Amount
for such Class of Certificates remaining unpaid from previous Distribution Dates;

(ii)       
second, to the Class B-1 Certificates, the Interest Distribution Amount for such Class of Certificates for the current Distribution
Date;

(iii)       third,
to the Class B-1 Certificates, the portion of the Subordinate Principal Distribution Amount allocable to such Class of Certificates
pursuant to the definition of “Subordinate Principal Distribution Amount,” until the Class B-1 Principal Balance has
been reduced to zero;

(iv)       fourth,
to the Class B-2 Certificates, the Interest Distribution Amount for such Class of Certificates remaining unpaid from previous
Distribution Dates;

(v)       
fifth, to the Class B-2 Certificates, the Interest Distribution Amount for such Class of Certificates for the current Distribution
Date;

(vi)       sixth,
to the Class B-2 Certificates, the portion of the Subordinate Principal Distribution Amount allocable to such Class of Certificates
pursuant to the definition of “Subordinate Principal Distribution Amount,” until the Class B-2 Principal Balance has
been reduced to zero;

(vii)      seventh, to
the Class B-3 Certificates, the Interest Distribution Amount for such Class of Certificates remaining unpaid from previous
Distribution Dates;

(viii)      eighth, to
the Class B-3 Certificates, the Interest Distribution Amount for such Class of Certificates for the current Distribution
Date;

(ix)       ninth,
to the Class B-3 Certificates, the portion of the Subordinate Principal Distribution Amount allocable to such Class of Certificates
pursuant to the definition of “Subordinate Principal Distribution Amount,” until the Class B-3 Certificates has been
reduced to zero;

(x)       
tenth, to the Class B-4 Certificates, the Interest Distribution Amount for such Class of Certificates remaining unpaid from
previous Distribution Dates;

(xi)      
eleventh, to the Class B-4 Certificates, the Interest Distribution Amount for such Class of Certificates for the current
Distribution Date;

(xii)      twelfth, to
the Class B-4 Certificates, the portion of the Subordinate Principal Distribution Amount allocable to such Class of Certificates
pursuant to the definition of “Subordinate Principal Distribution Amount,” until the Class B-4 Certificates has been
reduced to zero;

(xiii)      thirteenth,
to the Class B-5 Certificates, the Interest Distribution Amount for such Class of Certificates remaining unpaid from previous
Distribution Dates;

(xiv)     fourteenth, to the
Class B-5 Certificates, the Interest Distribution Amount for such Class of Certificates for the current Distribution
Date;

(xv)      fifteenth, to
the Class B-5 Certificates, the portion of the Subordinate Principal Distribution Amount allocable to such Class of Certificates
pursuant to the definition of “Subordinate Principal Distribution Amount,” until the Class B-5 Principal Balance has
been reduced to zero;

(xvi)     sixteenth, to the
Class B-6 Certificates, the Interest Distribution Amount for such Class of Certificates remaining unpaid from previous Distribution
Dates;

(xvii)     seventeenth, to
the Class B-6 Certificates, the Interest Distribution Amount for such Class of Certificates for the current Distribution
Date;

(xviii)    eighteenth, to the
Class B-6 Certificates, the portion of the Subordinate Principal Distribution Amount allocable to such Class of Certificates
pursuant to the definition of “Subordinate Principal Distribution Amount,” until the Class B-6 Principal Balance has
been reduced to zero;

(xix)     nineteenth, to each
Class of Class B Certificates in the order of seniority (which, from highest to lowest, shall be as follows: Class B-1, Class
B-2, Class B-3, Class B-4, Class B-5 and Class B-6 of decreasing seniority) the remaining portion, if any, of the REMIC II
Available Distribution Amount, up to the amount of unreimbursed Realized Losses allocable to principal previously allocated or to
be allocated on such Distribution Date to such Class, if any; provided, however, that any amounts distributed pursuant to
this paragraph (I)(c)(xix) of this definition of “REMIC II Distribution Amount” shall not cause a reduction in the
Class Principal Balances of any of the Classes of Class B Certificates or REMIC II Regular Interests; and

(xx)      twentieth, to
the Class R-2 Residual Interest, the Residual Distribution Amount for the Class R-2 Residual Interest for such Distribution
Date.

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

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

(1)        the
aggregate Class Principal Balance of any of the (i) Group 1-A Certificates and (ii) Group 2-A Certificates has
been reduced to zero, and

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

all principal received or advanced with
respect to the Mortgage Loans in the Loan Group related to the Class A Certificates that have been paid in full shall be paid as
principal to the remaining Class A Certificates that have not been paid in full to the extent of and in reduction of the Class
Principal Balances thereof (and, in the case of the Group 1-A Certificates, in the order of priority of paragraph (I)(a)(iii) above
and, in the case of the Group 2-A Certificates, in the order of priority of paragraph (I)(b)(iii) above), prior to any
distributions of principal to the Class B Certificates pursuant to paragraph (I)(c) above, and

(Y)       if on any Distribution Date
any of Loan Group 1 or Loan Group 2 is an Undercollateralized Group and the other such Loan Group or Groups is an
Overcollateralized Group, then the REMIC II Available Distribution Amount for the Loan Group or Groups related to the
Overcollateralized Group or Groups, to the extent remaining following distributions of interest and principal to the Group 1-A and
Group 2-A Certificates pursuant to paragraph (I)(a) or (I)(b) above, as applicable, shall be paid in the following priority: (1)
first, such remaining amount, up to the Total Transfer Amount for the Undercollateralized Group, shall be distributed (a) first, to
the Class A Certificates related to the Undercollateralized Group, in payment of any portion of the Interest Distribution Amounts
for such Classes of Certificates remaining unpaid from such Distribution Date or previous Distribution Dates, pro rata according to
their respective shares of such unpaid amounts, and (b) second, to the Class A Certificates related to the Undercollateralized
Group, as principal (and, in the case of the Group 1-A Certificates, in the order of priority of paragraph (I)(a)(iii) above; and,
in the case of the Group 2-A Certificates, in the order of priority of paragraph (I)(b)(iii) above), and (2) second, any remaining
amount shall be distributed pursuant to paragraph (I)(c) above.

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

(a)        With respect to the
Group 1-A Certificates, on each Distribution Date on or after the Credit Support Depletion Date, to the extent of the REMIC II
Available Distribution Amount for Group 1-A Certificates for such Distribution Date:

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

(ii)       
second, to the Group 1-A Certificates the Interest Distribution Amounts for such Classes of Certificates for the current
Distribution Date, pro rata according to their respective Interest Distribution Amounts;

(iii)       third,
to the Group 1-A Certificates, pro rata according to Class Principal Balance, as principal, the Group 1 Senior Principal
Distribution Amount; and

(iv)       fourth, to the Group 2-A Certificates pursuant to the last paragraph of this
definition of “REMIC II Distribution Amount;”

(v)        fifth, to the Group 1-A Certificates, pro rata, and each Class of Class B
Certificates in the order of seniority (which, from highest to lowest, shall be as follows: first, to the Group I-A
Certificates, and second, to the Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 of decreasing seniority) the
remaining portion, if any, of the REMIC II Available Distribution Amount, up to the amount of unreimbursed Realized Losses
allocable to principal previously allocated or to be allocated on such Distribution Date to such Class, if any; provided,
however, that any amounts distributed pursuant to this paragraph (II)(a)(v) of this definition of “REMIC II Distribution
Amount” shall not cause a reduction in the Class Principal Balances of any of the Classes of the Group 1-A Certificates,
the Class B Certificates or REMIC II Regular Interests; and

(vi)       sixth, to the Class R-2 Residual Interest, the Residual Distribution Amount for the
Group 1-A Certificates for such Distribution Date.

(b)        With respect to the Group 2-A Certificates, on each Distribution Date on
or after the Credit Support Depletion Date, to the extent of the REMIC II Available Distribution Amount for the Group 2-A
Certificates for such Distribution Date:

(i)         first, to the Group 2-A Certificates, the amount payable to each
such Class of Certificates on prior Distribution Dates pursuant to clause (I)(b)(ii) or (II)(b)(ii) of this definition of
“REMIC II Distribution Amount,” and remaining unpaid, pro rata according to such amount payable to the extent of
amounts available;

(ii)       
second, to the Group 2-A Certificates the Interest Distribution Amounts for such Classes of Certificates for the current
Distribution Date, pro rata according to their respective Interest Distribution Amounts;

(iii)       third,
to the Group 2-A Certificates, pro rata according to Class Principal Balance, as principal, the Group 2 Senior Principal
Distribution Amount; and

(iv)       fourth, to the Group 1-A Certificates pursuant to the last paragraph of this
definition of “REMIC II Distribution Amount;”

(v)        fifth, to the Group 2-A Certificates, pro rata, and each Class of Class B
Certificates in the order of seniority (which, from highest to lowest, shall be as follows: first, to the Group 2-A
Certificates, and second, to the Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 of decreasing seniority) the
remaining portion, if any, of the REMIC II Available Distribution Amount, up to the amount of unreimbursed Realized Losses
allocable to principal previously allocated or to be allocated on such Distribution Date to such Class, if any; provided,
however, that any amounts distributed pursuant to this paragraph (II)(b)(v) of this definition of “REMIC II Distribution
Amount” shall not cause a reduction in the Class Principal Balances of any of the Classes of the Group 2-A Certificates,
the Class B Certificates or REMIC II Regular Interests; and

(vi)       sixth, to the Class R-2 Residual Interest, the Residual Distribution Amount for the
Group 2-A Certificates for such Distribution Date.

If on any Distribution Date
any of Loan Group 1 or Loan Group 2 is an Undercollateralized Group and the other such Loan Group or Groups is an
Overcollateralized Group, then the REMIC II Available Distribution Amount for the Loan Group or Groups related to the
Overcollateralized Group or Groups, to the extent remaining following distributions of interest and principal to the Group 1-A and
Group 2-A Certificates pursuant to paragraph (II)(a)(i) through (II)(a)(iii) or paragraph (II)(b)(i) through (II)(b)(iii), as
applicable, shall be paid in the following priority: (1) first, such remaining amount, up to the Total Transfer Amount for the
Undercollateralized Group, shall be distributed (a) first, to the Class A Certificates related to each such Undercollateralized
Group, in payment of any portion of the Interest Distribution Amounts for such Classes of Certificates remaining unpaid from such
Distribution Date or previous Distribution Dates, pro rata according to their respective shares of such unpaid amounts, and (b)
second, to the Class A Certificates related to each such Undercollateralized Group, as principal, pro rata according to Class
Principal Balance, and (2) second, any remaining amount shall be distributed pursuant to paragraph (II)(a)(iv) or (II)(b)(iv)
above, as applicable.

REMIC II Regular Interests: The Classes of
undivided beneficial interests in REMIC II designated as “regular interests” in the table titled “REMIC II
Interests” in the Preliminary Statement hereto.

Repurchase Price: With respect to any
Mortgage Loan to be repurchased by the Company pursuant to Section 2.08, an amount equal to the sum of (i) the Principal Balance
thereof, (ii) one month’s interest thereon at the applicable Pass-Through Rate, (iii) any unreimbursed Monthly P&I
Advances or advances of reimburseable expenses made by the Servicer with respect to such Mortgage Loan hereunder and (iv) any
interest due but unpaid with respect to such Mortgage Loan not covered by a Monthly P&I Advance.

Repurchase Proceeds: Proceeds received by
the Trust with respect to any Mortgage Loan that was repurchased or substituted for by the Company pursuant to Section 2.08 or
repurchased or substituted for by a Seller pursuant to the Mortgage Loan Purchase Agreement, after deduction of amounts
reimbursable under Section 3.05(a)(i) and (ii).

Residual Certificates:  The Class R
Certificates.

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

For any Distribution Date, with respect to the Class R-2 Residual
Interest, any portion of the REMIC II Available Distribution Amount for the Group 1-A and Group 2-A Certificates remaining
after all distributions of the REMIC II Available Distribution Amount pursuant to clauses (I) and (II), as applicable, of the
definition of “REMIC II Distribution Amount” (other than the distributions pursuant to the last subclause of clauses
(I) and (II) thereof).

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

Responsible Officer: When used with respect
to the Trustee or the Delaware Trustee, any officer assigned to and working in the Corporate Trust Office (in the case of the
Trustee) or its corporate trust office (in the case of the Delaware Trustee) or, in each case, in a similar group and also, with
respect to a particular matter, any other officer to whom such matter is referred because of such officer’s knowledge of and
familiarity with the particular subject.

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

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

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

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

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

Seller:  For each Mortgage Loan, the
seller of such Mortgage Loan pursuant to the Mortgage Loan Purchase Agreement.

Senior Certificates:  The Class A and
Class R Certificates.

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

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

Servicer Business Day:  Any day other
than a Saturday, a Sunday, or a day on which banking institutions in Seattle, Washington or in any other city in which a corporate
office of the Servicer is located are authorized or obligated by law or executive order to be closed.

Servicing Fee: For each Mortgage Loan, the
fee payable to the Servicer for servicing and advancing certain amounts with respect to such Mortgage Loan, equal to 1/12 of the
product of (i) the Servicing Fee Rate for such Mortgage Loan and (ii) the outstanding Principal Balance of such Mortgage Loan. In
addition, the Servicer will be paid, as additional servicing compensation, any prepayment penalties, late charges, nonsufficient
funds fees and other fees and charges collected on the Mortgage Loans.

Servicing Fee Rate:  For each Mortgage
Loan in Loan Group 1, 0.375% per annum, and for each Mortgage Loan in Loan Group 2, 0.250% per annum.

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

Special Primary Insurance Policy: Any
Primary Insurance Policy covering a Mortgage Loan the premium of which is payable by the Trustee pursuant to Section 4.04(a), if so
identified in the Mortgage Loan Schedule. There are no Special Primary Insurance Policies with respect to any of the Mortgage
Loans, and all references herein to Special Primary Insurance Policies shall be of no force or effect.

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

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

Streamlined Mortgage Loan:  A Mortgage
Loan originated in connection with the refinance of a mortgage loan pursuant to the streamlined loan documentation program then in
effect of the originator of such Mortgage Loan.

Subordinate Certificates:  The Class B
Certificates.

Subordinate Component Balance:  With
respect to Loan Group 1 for any date of determination, the then outstanding aggregate Principal Balance of the Group 1 Loans minus
the then outstanding aggregate Class Principal Balance of the Group 1-A and Residual Certificates. With respect to Loan Group 2 for
any date of determination, the then outstanding aggregate Principal Balance of the Group 2 Loans minus the then outstanding
aggregate Class Principal Balance of the Group 2-A Certificates.

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

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

Subordinate Principal Distribution Amount:
For any Distribution Date, the excess of (A) the sum of (i) the Loan Group 1 Subordinate Percentage of the Principal Payment Amount
for Loan Group 1, (ii) the Loan Group 2 Subordinate Percentage of the Principal Payment Amount for Loan Group 2, (iii) the
Subordinate Principal Prepayments Distribution Amount (without regard to the proviso in the definition thereof) and (iv) the
Subordinate Liquidation Amount, over (B) the sum of (i) in the event that the aggregate Class Principal Balance of either of the
Group 1-A or Group 2-A Certificates has been reduced to zero, principal paid from the REMIC II Available Distribution Amount
related to such Class A Certificates to the remaining Class A Certificates, as set forth in clause (X) of the sentence
immediately following paragraph (I)(c) of the definition of “REMIC II Distribution Amount,” and (ii) the amounts paid
from the REMIC II Available Distribution Amount for the Regular Interest Group related to an Overcollateralized Group to the Class
A Certificates related to an Undercollateralized Group pursuant to clause (Y) of the sentence immediately following paragraph
(I)(c) of the definition of “REMIC II Distribution Amount.”

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

Subordinate Principal Prepayments Distribution
Amount:  For any Distribution Date, the sum of (i) the Group 1 Subordinate Prepayment Percentage of the Principal
Prepayment Amount for Loan Group 1 and (ii) the Group 2 Subordinate Prepayment Percentage of the Principal Prepayment Amount for
Loan Group 2; provided, however, that if the amount specified in clause (B) of the definition of “Subordinate
Principal Distribution Amount” is greater than the sum of the amounts specified in clauses (A)(i), (A)(ii) and (A)(iv) of
such definition, then the Subordinate Principal Prepayments Distribution Amount shall be reduced by the amount of such excess.

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

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

Substitute Mortgage Loan: A Mortgage Loan
which is substituted for another Mortgage Loan pursuant to and in accordance with the provisions of Section 2.08.

Substitution Price: With respect to all
Reacquired Mortgage Loans for which Substitute Mortgage Loans are substituted on a specific date pursuant to Section 2.08, an
amount equal to the sum of (i) the excess, if any, of the aggregate Principal Balance of the Reacquired Mortgage Loans over the
aggregate Principal Balance of the Substitute Mortgage Loans, in each case, as of the date of substitution, (ii) one month’s
interest on the excess amount described in clause (i) above at the weighted average Pass-Through Rate for the Reacquired Mortgage
Loans, (iii) all unreimbursed Monthly P&I Advances and advances of reimburseable expenses made by the Servicer with respect to
such Mortgage Loans hereunder and (iv) all interest due but unpaid with respect to such Mortgage Loans not covered by a Monthly
P&I Advance.

Tax Matters Person: With respect to each of
REMIC I and REMIC II, a Holder of a Class R Certificate with a Percentage Interest of at least 0.01% or any Permitted Transferee of
such Class R Certificateholder designated as succeeding to the position of Tax Matters Person in a notice to the Trustee signed by
authorized representatives of the transferor and transferee of such Class R Certificate, which Tax Matters Person shall be the tax
matters person for each REMIC within the meaning of Section 6231(a)(7) of the Code and Treasury Regulation Section 1.860F-4(d). The
Servicer is hereby appointed to act as Tax Matters Person so long as it holds a Class R Certificate with a Percentage Interest of
at least 0.01%.  In the event that the Servicer ceases to hold a Class R Certificate with the required Percentage Interest,
the holder of the Class R Certificate with the largest Percentage Interest shall be Tax Matters Person, and such Tax Matters Person
shall be deemed to have appointed the Servicer to act as agent for the Tax Matters Person, to perform the functions of such Tax
Matters Person as provided herein. If the Tax Matters Person becomes a Disqualified Organization, the last preceding Holder, that
is not a Disqualified Organization, of the Class R Certificate held by the Disqualified Organization shall be Tax Matters Person
pursuant to and as permitted by Section 5.01(c). If any Person is appointed as tax matters person by the Internal Revenue Service
pursuant to the Code, such Person shall be Tax Matters Person.

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

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

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

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

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

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

Trust: WaMu Mortgage Pass-Through
Certificates Series 2005-AR16 Trust, a Delaware statutory trust, created pursuant to the Original Trust Agreement.

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

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

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

Uncompensated Interest Shortfall shall be allocated to each Class of
Certificates (other than the Class R Certificates) pro rata according to the amount of interest accrued on each such Class during
the immediately preceding accrual period, in reduction thereof.

Uncompensated Interest Shortfall shall be allocated to the REMIC I
Regular Interests pro rata according to the amount of interest accrued on each such Class during the immediately preceding accrual
period, in reduction thereof.

Undercollateralized Group: For any
Distribution Date and (i) Loan Group 1, if immediately prior to such Distribution Date the aggregate Class Principal Balance
of the Group 1-A and Residual Certificates is greater than the aggregate Principal Balance of the Group 1 Loans; and
(ii) Loan Group 2, if immediately prior to such Distribution Date the aggregate Class Principal Balance of the Group 2-A
Certificates is greater than the aggregate Principal Balance of the Group 2 Loans.

Underwriters:  WaMu Capital Corp. and
J.P. Morgan Securities Inc.

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

U.S. Person: A citizen or resident of the
United States, a corporation, partnership or other entity created or organized in or under the laws of the United States, any state
thereof or the District of Columbia, or an estate or trust that is subject to U.S. federal income tax regardless of the source of
its income.

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

Weighted Average Pass-Through Rate: 
For any Distribution Date, the weighted average of the Pass-Through Rates on the Mortgage Loans as of the second preceding Due Date
(after giving effect to (i) payments due on the Mortgage Loans on such Due Date and (ii) except for the first Distribution Date,
any Payoffs received on or before the 14th day of the calendar month of such Due Date).

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

ARTICLE II

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

REMIC Election and Designations;
Original Issuance of Certificates

Section 2.01.        Creation of the Trust.  The Trust was created pursuant to the Original Trust Agreement and is hereby
continued. As set forth in the Original Trust Agreement, the Trust shall be known as “WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust”. The purpose of the Trust is, and the Trust shall have the power and authority, to engage in the
following activities, all as provided by and subject to the terms of this Agreement:

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

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

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

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

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

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

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

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

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

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

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

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

(vi)       confess a judgment against the Trust;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

None of the Trustee, the Delaware Trustee, the Company or the Servicer
shall  (except by amendment of this Agreement permitted by Section 10.01) take any action that is inconsistent with the
purposes of the Trust or Section 2.02 or Section 2.03.  Neither the Company nor the Servicer shall (except by amendment of
this Agreement permitted by Section 10.01) direct the Trustee or the Delaware Trustee to take any action that is inconsistent with
the purposes of the Trust or Section 2.02 or Section 2.03.

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

The Company does hereby irrevocably sell, transfer, assign, set over
and otherwise convey to the Trust, without recourse, all the Company’s right, title and interest in and to the Mortgage Pool
Assets. The Trust, as payment of the purchase price of the Mortgage Pool Assets, shall issue the REMIC I Regular Interests and the
Class R-1 Residual Interest to the Company on the Closing Date.

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

(a)        this Agreement shall
constitute a security agreement;

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

(I)       
The Mortgage Pool Assets;

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

(III)      All
proceeds of the foregoing.

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

Section 2.05.        Delivery of Mortgage
Files.

On the Closing Date, the Company shall deliver to and deposit with, or
cause to be delivered to and deposited with, the Trustee or the Initial Custodian the Mortgage Files, which shall at all times be
identified in the records of the Trustee or the Initial Custodian, as applicable, as being held by or on behalf of the
Trust.

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

Pursuant to the Initial Custodial Agreement, the Initial Custodian has
been designated by the Servicer to be appointed by the Trustee to act on behalf of the Trust and to perform the functions of the
Trustee hereunder with respect to the delivery, receipt, examination, custody and release of the Mortgage Files, as provided
therein.  In the event that the Initial Custodian is terminated under the Initial Custodial Agreement, the Trustee is
authorized, with the Servicer’s consent, to appoint on behalf of the Trust any bank or trust company as successor Custodian to perform such custodial responsibilities with respect to the delivery, receipt, examination,
custody and release of the Mortgage Files, and to enter into a Custodial Agreement for such purpose.  The Trustee shall not be
liable for the acts or omissions of the Initial Custodian or any successor Custodian appointed in accordance
with this Agreement; provided, however, that the Trustee shall remain liable for its own negligent action, its
own negligent failure to act and its own willful misconduct to the extent provided herein.  Any documents delivered by the
Company or the Servicer to the Custodian shall be deemed to have been delivered to the Trustee for all purposes hereunder; and any
documents held by the Custodian shall be deemed to be held by the Trustee for all purposes hereunder.  There shall be a
written Custodial Agreement between the Trustee and each Custodian. Each Custodial Agreement shall contain an acknowledgment by the
Custodian that all Mortgage Pool Assets, Mortgage Files, and other documents and property held by it at any time are held by it for
the benefit of the Trust.

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

Section 2.06.        REMIC Election for
REMIC I.

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

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

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

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

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

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

In the event that the Servicer has paid any federal prohibited
transaction penalty taxes imposed on REMIC I pursuant to clause (f) of the third preceding paragraph, the Trustee on behalf of the
Trust shall (unless the Servicer’s failure to exercise reasonable care was the primary cause of the imposition of such taxes)
reimburse the Servicer or its agent, upon the written request of the Servicer, for such payment from amounts on deposit in the
Certificate Account in reduction of the REMIC I Available Distribution Amount for the applicable Distribution Date.  In the
event that any federal prohibited transaction penalty taxes are imposed on REMIC I and not paid by the Servicer pursuant to clause
(f) of the third preceding paragraph, the Trustee on behalf of the Trust shall pay such taxes from amounts on deposit in the
Certificate Account in reduction of the REMIC I Available Distribution Amount for the applicable Distribution Date. The amount so
reimbursed or paid pursuant to either of the immediately preceding two sentences shall be allocated as a loss to the Class R-1
Residual Interest, in reduction of the Class Principal Balance thereof.

Neither the Trustee nor the Tax Matters Person shall knowingly or
intentionally take any action that would cause the termination of the REMIC status of REMIC I.

Section 2.07.        Acceptance by Trustee. The Trustee acknowledges receipt (or with respect to any Mortgage Loan subject to a
Custodial Agreement, receipt by the Custodian thereunder) on behalf of the Trust of the documents (or certified copies thereof as
specified in Section 2.05) referred to in Section 2.05 above, but without having made the review required to be made within 45 days
pursuant to this Section 2.07. The Trustee acknowledges that all Mortgage Pool Assets, Mortgage Files and related documents and
property held by it at any time are held by it as Trustee of the Trust for the benefit of the holders of the REMIC I Regular
Interests and the Class R-1 Residual Interest. The Trustee agrees to review (or cause the Initial Custodian to review) each
Mortgage File within 45 days after the Closing Date and deliver to the Company a certification (or cause the Initial Custodian to
deliver to the Company a certification, which satisfies the applicable requirements of this Agreement; provided, however, that with
respect to the Initial Custodian, Exhibit B-2 to the Initial Custodial Agreement is deemed to satisfy the applicable requirements
of this Agreement) in the form attached as Exhibit M hereto, to the effect that, except as noted, all documents required (in the
case of instruments described in clauses (X)(ii), (X)(iv) and (Y)(ix) of the definition of “Mortgage File,” known by
the Trustee to be required) pursuant to the definition of “Mortgage File” and Section 2.05 have been executed and
received, and that such documents relate to the Mortgage Loans identified in the Mortgage Loan Schedule. In performing such review,
the Trustee may rely upon the purported genuineness and due execution of any such document, and on the purported genuineness of any
signature thereon. The Trustee shall not be required to make any independent examination of any documents contained in each
Mortgage File beyond the review specifically required herein. The Trustee makes no representations as to: (i) the validity,
legality, enforceability or genuineness of any of the Mortgage Loans identified on the Mortgage Loan Schedule, or (ii) the
collectability, insurability, effectiveness or suitability of any Mortgage Loan.

If the Trustee finds any document or
documents required to be included in the Mortgage File for a Mortgage Loan pursuant to the definition of “Mortgage
File” not to have been executed and received, the Trustee shall promptly so notify the Servicer. An exception report
delivered by the Custodian to the Servicer pursuant to the Custodial Agreement shall be deemed to constitute such notice. Upon
notice from the Trustee or the Custodian that any document required to be included in the Mortgage File for a Mortgage Loan has not
been executed and received, the Servicer shall promptly notify the applicable Seller of such defect and take appropriate steps on
behalf of the Trust to enforce such Seller’s obligation, pursuant to Section 2.4 of the Mortgage Loan Purchase Agreement, to
correct or cure such defect or repurchase or substitute for such Mortgage Loan, in accordance with and subject to the time
limitations set forth in such Section 2.4; provided, however, that the Servicer shall not require or permit a Seller to
repurchase a Mortgage Loan pursuant to such Section 2.4 of the Mortgage Loan Purchase Agreement more than two years after the
Closing Date unless (a) such defect would cause the Mortgage Loan to be other than a “qualified mortgage” (as defined
in the Code), (b) such Mortgage Loan is in default, or default is in the judgment of the Servicer reasonably imminent, or (c) the
Servicer, at the expense of the Seller, delivers to the Trustee an Opinion of Counsel addressed to the Trust and the Trustee to the
effect that the repurchase of such Mortgage Loan will not give rise to a tax on a prohibited transaction, as defined in Section
860F(a) of the Code; provided, further, that in the event that such defect consists solely of the failure of the applicable
Seller to deliver any Recording Document with respect to such Mortgage Loan, due to a delay on the part of the recording office,
then the Servicer shall instead notify the applicable Seller of such defect and take appropriate steps on behalf of the Trust to
enforce such Seller’s obligation, pursuant to Section 2.3 of the Mortgage Loan Purchase Agreement, to comply with the
procedure described in such Section 2.3.

If a Seller is the Servicer, then the
Trustee may, but shall not be obligated to (or, if so directed by Certificateholders holding Certificates which evidence Percentage
Interests aggregating not less than 25% of REMIC II, then the Trustee shall), give the notification to such Seller and, if
applicable, require the repurchase or substitution by such Seller provided for in the immediately preceding paragraph, in the event
that any document required to be included in the Mortgage File for a Mortgage Loan sold by such Seller has not been executed and
received.

In connection with the enforcement of a Seller’s repurchase or
substitution obligation pursuant to Section 2.4 of the Mortgage Loan Purchase Agreement, the Servicer and the Trustee shall comply
with the additional provisions set forth in Section 2.10 hereof.

Section 2.08.        Representation and Warranty of the Company Concerning the Mortgage Loans. The Company hereby represents and
warrants to the Trust that, immediately upon the transfer and assignment contemplated by Section 2.04, the Trust shall have good
title to, and will be the sole legal owner of, each Mortgage Loan, free and clear of any encumbrance or lien, other than (i) any
lien arising before the Company’s purchase of the Mortgage Loan from the Seller and (ii) any lien arising under this
Agreement.

The representation and warranty set forth
in this Section 2.08 shall survive delivery of the respective Mortgage Files to the Trustee or the Custodian, as the case may be,
and shall continue throughout the term of this Agreement. Upon discovery by any of the Company, the Servicer or the Trustee of a
breach of the foregoing representation and warranty which materially and adversely affects the value of the related Mortgage Loans
or the interests of the Trust in the related Mortgage Loans, the party discovering such breach shall give prompt written notice to
the others. Within 90 days of its discovery or its receipt of notice of breach, the Company shall repurchase or substitute for the
affected Mortgage Loan or Mortgage Loans or any property acquired in respect thereof by the Trust, unless it has cured such breach
in all material respects. Any such substitution shall be made within the three-month period commencing on the Closing Date (or
within the two-year period commencing on the Closing Date if the related Mortgage Loan is a “defective obligation”
within the meaning of Section 860G(a)(4)(B)(ii) of the Code and Treasury Regulation Section 1.860G-2(f)). Any such repurchase shall
be made at the Repurchase Price; provided, however, that no Mortgage Loan shall be repurchased pursuant to
this Section 2.08 unless (a) the Mortgage Loan to be repurchased is in default, or default is in the judgment of the Servicer
reasonably imminent, or (b) the Servicer, at the expense of the Company, delivers to the Trustee an Opinion of Counsel addressed to
the Trust and the Trustee to the effect that the repurchase of such Mortgage Loan will not give rise to a tax on a prohibited
transaction, as defined in Section 860F(a) of the Code. If such breach would cause the Mortgage Loan to be other than a
“qualified mortgage” (as defined in the Code), then notwithstanding the previous sentence, the repurchase or
substitution must occur within the sooner of (i) 90 days from the date the defect was discovered or (ii) in the case of
substitution, two years from the Closing Date.

Any number of Substitute Mortgage Loans may be substituted for any
number of Reacquired Mortgage Loans, subject to the limitations described in the next sentence. With respect to the Mortgage Loans
substituted on any date, (i) the aggregate Principal Balance of the Substitute Mortgage Loans shall not exceed the aggregate
Principal Balance of the Reacquired Mortgage Loans, (ii) each Substitute Mortgage Loan shall mature no later than, and not more
than two years before, the weighted average date of maturity of the Reacquired Mortgage Loans, (iii) each Substitute Mortgage Loan
shall have a Current Loan-to-Value Ratio equal to or less than the weighted average Current Loan-to-Value Ratio of the Reacquired
Mortgage Loans, (iv) each Substitute Mortgage Loan shall have a Mortgage Interest Rate on the date of substitution equal to or no
more than 1 percentage point greater than the weighted average Mortgage Interest Rate of the Reacquired Mortgage Loans, (v) if the
Reacquired Mortgage Loans do not provide for any payments of principal during an initial period, each Substitute Mortgage Loan also
shall not provide for payments of principal during such initial period and (vi) each Substitute Mortgage Loan shall (1) have an
initial Adjustment Date occurring on approximately the same date as, but not earlier than, the weighted average initial Adjustment
Date of the Reacquired Mortgage Loans and interest rate adjustments annually thereafter, (2) have a Margin, Rate Ceiling and Rate
Floor equal to or greater than the weighted average Margin, Rate Ceiling and Rate Floor of the Reacquired Mortgage Loans and (3)
have the same terms (other than the terms referenced in clauses (1) and (2) above) for adjusting the Mortgage Interest Rate as the
Reacquired Mortgage Loans. In addition, a Substitute Mortgage Loan shall not be a High Cost Loan or Covered Loan (as such terms are
defined in the Standard & Poor's LEVELS® Glossary in effect on the date of substitution, with such exceptions thereto as
the Company and S&P may reasonably agree). A Substitute Mortgage Loan may be substituted for a defective Mortgage Loan that is
itself a Substitute Mortgage Loan.

In connection with the substitution of one or more Substitute Mortgage
Loans for one or more Reacquired Mortgage Loans on any date, the Company shall pay to the Trust the Substitution Price for such
Reacquired Mortgage Loans, and such payment by the Company shall be treated in the same manner as proceeds of the repurchase by the
Company of a Mortgage Loan pursuant to this Section 2.08.

With respect to each Substitute Mortgage Loan, the Company shall (a)
deliver to and deposit with, or cause to be delivered to and deposited with, the Trustee or the Custodian on behalf of the Trust
the Mortgage File for such Substitute Mortgage Loan and (b) cause the Seller from which the Company acquired such Substitute
Mortgage Loan to enter into an agreement with the Trust and the Servicer pursuant to which, with respect to such Substitute
Mortgage Loan, such Seller will (i) make, as of the date of substitution, each of the representations and warranties that the
applicable Seller made pursuant to Section 3.1 of the Mortgage Loan Purchase Agreement with respect to the original Mortgage Loan
(except that references to “Closing Date” or “Cut-off Date” in such Section 3.1 shall be changed to the
applicable date of substitution), (ii) agree to deliver any missing Recording Documents with respect to such Substitute Mortgage
Loan, and to repurchase or substitute for such Substitute Mortgage Loan in the event of such Seller’s failure to deliver any
document required to be included in such Mortgage File or in the event of such Seller’s material breach of any of such
representations and warranties, upon the same terms as the Seller’s corresponding obligations with respect to the original
Mortgage Loan pursuant to Sections 2.3, 2.4 and 3.3 of the Mortgage Loan Purchase Agreement, and (iii) convey such Substitute
Mortgage Loan to the Trust.

The Company shall pay all costs and expenses incurred in connection
with any repurchase or substitution by the Company made pursuant to this Section 2.08.

With respect to each Mortgage Loan
repurchased pursuant to this Section 2.08 and each Reacquired Mortgage Loan, the Company shall own and be entitled to receive all
scheduled payments due after the date of repurchase or substitution, as applicable, any Curtailments received in or after the
calendar month of repurchase or substitution, as applicable, and any Payoffs received after the 14th day of the calendar month of
repurchase or substitution, as applicable; and with respect to each Substitute Mortgage Loan, the Company shall own and be entitled
to receive all payments due under the related Mortgage Note on or before the date of substitution. Any such payments received by
the Servicer shall promptly be remitted by the Servicer to the Company. With respect to each Substitute Mortgage Loan, the Trust
shall own and be entitled to receive all scheduled payments due after the date of substitution, any Curtailments received in or
after the calendar month of substitution, and any Payoffs received after the 14th day of the calendar month of substitution. Any
such payments received by the Company shall promptly be remitted by the Company to the Servicer.

In connection with any repurchase or substitution by the Company made
pursuant to this Section 2.08, the Servicer and the Trustee (to the extent of any obligations on its part) shall comply with the
additional provisions set forth in Section 2.10 hereof.

Section 2.09.        Representations and Warranties of Each Seller Concerning the Mortgage Loans. The Company hereby assigns to
the Trust all of its rights under the Mortgage Loan Purchase Agreement, to the extent that the Mortgage Loan Purchase Agreement
relates to the Mortgage Loans.

Upon discovery by any of the Company, the Servicer or the Trustee (in
the case of the Trustee, having actual knowledge thereof) of a breach of any of the representations and warranties in respect of
the Mortgage Loan set forth in Section 3.1 of the Mortgage Loan Purchase Agreement (in the case of a breach of the representation
set forth in clause (xxix) of such Section 3.1 thereof, determined as specified in Section 3.3(b) thereof) that materially and
adversely affects the value of the related Mortgage Loans or the interests of the Trust in the related Mortgage Loans, the party
discovering such breach shall give prompt written notice to the others. Any breach of the representation set forth in clause
(xxvii) or clause (xxviii) of such Section 3.1 thereof shall be deemed to materially and adversely affect the value of the related
Mortgage Loans or the interests of the Trust in the related Mortgage Loans. The Servicer shall promptly notify the applicable
Seller of such breach and take appropriate steps on behalf of the Trust to enforce such Seller’s obligation, pursuant to
Section 3.3 of the Mortgage Loan Purchase Agreement, to cure such breach in all material respects or repurchase or substitute for
the affected Mortgage Loan or Mortgage Loans or any property acquired in respect thereof, in accordance with and subject to the
time limitations set forth in such Section 3.3; provided, however, that a Seller shall not be required or permitted to
repurchase a Mortgage Loan pursuant to such Section 3.3 thereof unless (a) such defect would cause the Mortgage Loan to be other
than a “qualified mortgage” (as defined in the Code), (b) such Mortgage Loan is in default, or default is in the
judgment of the Servicer reasonably imminent, or (c) the Servicer, at the expense of the Seller, delivers to the Trustee an Opinion
of Counsel addressed to the Trust and the Trustee to the effect that the purchase of such Mortgage Loan will not give rise to a tax
on a prohibited transaction, as defined in Section 860F(a) of the Code.

If a Seller is the Servicer, then the
Trustee may, but shall not be obligated to (or, if so directed by Certificateholders holding Certificates which evidence Percentage
Interests aggregating not less than 25% of REMIC II, then the Trustee shall), give the notification to such Seller and, if
applicable, require the repurchase or substitution by such Seller provided for in the immediately preceding paragraph, in the event
of such a breach of a representation or warranty made by such Seller.

In connection with the enforcement of a Seller’s repurchase or
substitution obligation pursuant to Section 3.3 of the Mortgage Loan Purchase Agreement, the Servicer and the Trustee shall comply
with the additional provisions set forth in Section 2.10 hereof.

Section 2.10.        Additional Provisions Relating to Repurchases of and Substitutions for Mortgage Loans by the Company or a
Seller.

The Servicer shall deposit or cause to be deposited in the Custodial
Account for P&I (i) the Repurchase Price that it receives for each Mortgage Loan repurchased by the Company pursuant to Section
2.08 hereof, (ii) the Substitution Price that it receives in connection with each substitution for a Mortgage Loan by the Company
pursuant to such Section 2.08, (iii) the Repurchase Price (as defined in the Mortgage Loan Purchase Agreement) that it receives for
each Mortgage Loan repurchased by a Seller pursuant to Section 2.4 or 3.3 of the Mortgage Loan Purchase Agreement and (iv) the
Substitution Price (as defined in the Mortgage Loan Purchase Agreement) that it receives in connection with each substitution for a
Mortgage Loan by a Seller pursuant to such Section 2.4 or 3.3 thereof.

Upon receipt by the Trustee of written notification, signed by a
Servicing Officer, of the deposit in the Custodial Account for P&I of the Repurchase Price or Substitution Price, as
applicable, and (in the case of a substitution for a Mortgage Loan) upon receipt by the Trustee of such instruments of transfer or
assignment, in each case without recourse, as shall be necessary to vest in the Trust title to any Substitute Mortgage Loan, the
Trustee shall (or, if applicable, shall cause the Custodian in accordance with the Custodial Agreement to) on behalf of the Trust
release to the Company or such Seller, as applicable, or to such person’s designee, the Mortgage File for such Mortgage Loan
and shall execute and deliver (or, in the event that the Mortgage Files are held in the name of the Custodian, shall cause the
Custodian in accordance with the Custodial Agreement to execute and deliver) on behalf of the Trust such instruments of transfer or
assignment, in each case without recourse, as shall be necessary to vest in such person or its designee or assignee title to any
such Mortgage Loan. In furtherance of the foregoing, if such Mortgage Loan is a MERS Loan and as a result of the repurchase thereof
or substitution therefor such Mortgage Loan shall cease to be serviced by a servicer that is a member of MERS or if the Company or
the Seller, as applicable, or such person’s assignee, shall so request, the Servicer shall cause MERS to execute and deliver
an assignment of the Mortgage in recordable form from MERS to such person or its assignee and shall cause the Mortgage Loan to be
removed from registration on the MERS® System in accordance with MERS’ rules and procedures.

It is understood and agreed that the obligation of (a) a Seller,
pursuant to Section 2.4 of the Mortgage Loan Purchase Agreement, to repurchase or substitute for any Mortgage Loan as to which a
defect in a constituent document exists, or (b) of a Seller or the Company, as applicable, pursuant to Section 3.3 of the Mortgage
Loan Purchase Agreement or Section 2.8 hereof, to repurchase or substitute for any Mortgage Loan as to which a breach has occurred
and is continuing, shall constitute the sole remedy respecting such defect or breach available to the Trust or the Holders of the
REMIC interests or the Certificates issued hereunder or the Trustee on behalf of such Holders.

Section 2.11.        Acknowledgment of Transfer of Mortgage Pool Assets. The Trustee hereby  acknowledges and accepts on
behalf of the Trust the transfer and assignment pursuant to Section 2.04 to the Trust of the Mortgage Pool Assets, but without
having made the review required to be made within 45 days pursuant to Section 2.07, and declares that as of the Closing Date it (or
the Custodian on behalf of the Trustee) holds and shall hold any documents constituting a part of the Mortgage Pool Assets, and the
Mortgage Pool Assets, as Trustee in trust, upon the trust herein set forth, for the use and benefit of all present and future
Holders of the REMIC I Regular Interests and the Class R-1 Residual Interest.

Section 2.12.        Conveyance of REMIC II Assets; Security Interest.  The Company does hereby irrevocably sell, transfer,
assign, set over, and otherwise convey to the Trust, without recourse, all the Company’s right, title and interest in and to
the REMIC II Assets. The Trust, as payment of the purchase price of the REMIC II Assets, shall issue the Certificates to the
Company or the Company’s designee on the Closing Date in Authorized Denominations. Pursuant to Section 3818 of the Statutory
Trust Statute, the REMIC I Regular Interests shall not be cancelled and shall be held as treasury interests owned by the Trust. The
Trustee acknowledges that the REMIC II Assets are held by it as Trustee of the Trust for the benefit of the holders of the
Certificates. It is the express intent of the parties hereto that the conveyance of the REMIC II Assets to the Trust by the Company
as provided in this Section 2.12 be, and be construed as, an absolute sale of the REMIC II Assets. It is, further, not the
intention of the parties that such conveyance be deemed the grant of a security interest in the REMIC II Assets by the Company to
the Trust to secure a debt or other obligation of the Company. However, in the event that, notwithstanding the intent of the
parties, the REMIC II Assets are held to be the property of the Company, or if for any other reason this Agreement is held or
deemed to create a security interest in the REMIC II Assets, then

(a)        this Agreement shall
constitute a security agreement;

(b)        the conveyance provided
for in this Section 2.12 shall be deemed to be a grant by the Company to the Trust of, and the Company hereby grants to the Trust,
to secure all of the Company’s obligations hereunder, a security interest in all of the Company’s right, title, and
interest, whether now owned or hereafter acquired, in and to:

(I)       
The REMIC I Regular Interests, including without limitation all rights represented thereby in and to the Mortgage Pool Assets and
the proceeds thereof;

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

(III)      All
proceeds of the foregoing.

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

Section 2.13.        REMIC Election for
REMIC II.

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

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

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

The parties intend that the affairs of REMIC II shall constitute, and
that the affairs of REMIC II shall be conducted so as to qualify it as, a REMIC. In furtherance of such intention, the Servicer
shall, on behalf of REMIC II: (a) prepare and file, or cause to be prepared and filed, a federal tax return using a calendar year
as the taxable year for REMIC II when and as required by the REMIC provisions and other applicable federal income tax laws; (b)
make an election, on behalf of REMIC II, to be treated as a REMIC on the federal tax return of REMIC II for its first taxable year,
in accordance with the REMIC provisions; (c) prepare and forward, or cause to be prepared and forwarded, to the Certificateholders
and the Holders of the Class R-2 Residual Interest all information reports as and when required to be provided to them in
accordance with the REMIC provisions; (d) conduct the affairs of REMIC II at all times that any of the Certificates are outstanding
so as to maintain the status of REMIC II as a REMIC under the REMIC provisions; (e) not knowingly or intentionally take any action
or omit to take any action that would cause the termination of the REMIC status of REMIC II; and (f) pay the amount of any federal
prohibited transaction penalty taxes imposed on REMIC II when and as the same shall be due and payable (but such obligation shall
not prevent the Servicer or any other appropriate person from contesting any such tax in appropriate proceedings and shall not
prevent the Servicer from withholding payment of such tax, if permitted by law, pending the outcome of such
proceedings).

In the event that the Servicer has paid any federal prohibited
transaction penalty taxes imposed on REMIC II pursuant to clause (f) of the immediately preceding paragraph, the Trustee on behalf
of the Trust shall (unless the Servicer’s failure to exercise reasonable care was the primary cause of the imposition of such
taxes) reimburse the Servicer, upon the written request of the Servicer, for such payment from amounts on deposit in the
Certificate Account in reduction of the REMIC I Available Distribution Amount for the applicable Distribution Date.  In the
event that any federal prohibited transaction penalty taxes are imposed on REMIC II and not paid by the Servicer pursuant to clause
(f) of the immediately preceding paragraph, the Trustee on behalf of the Trust shall pay such taxes from amounts on deposit in the
Certificate Account in reduction of the REMIC I Available Distribution Amount for the applicable Distribution Date. The amount so
reimbursed or paid pursuant to either of the immediately preceding two sentences shall be allocated as a loss to the Class R-1
Residual Interest, in reduction of the Class Principal Balance thereof.

Neither the Trustee nor the Tax Matters Person shall knowingly or
intentionally take any action that would cause the termination of the REMIC status of REMIC II.

Section 2.14.        Acknowledgement of Transfer of REMIC II Assets. The Trustee hereby acknowledges and accepts on behalf of the
Trust the assignment to the Trust pursuant to Section 2.12 of the REMIC II Assets and declares that as of the Closing Date it holds
and shall hold any documents constituting a part of the REMIC II Assets, and the REMIC II Assets, as Trustee in trust, upon the
trust herein set forth, for the use and benefit of all present and future Holders of the Certificates (other than the Class R
Certificates) and the Class R-2 Residual Interest.

Section 2.15.        Legal Title. Legal title to all assets of the Trust shall be vested at all times in the Trust as a separate
legal entity.

Section 2.16.        Compliance with ERISA Requirements. For purposes of ensuring compliance with the requirements of the
“underwriter’s exemption” (U.S. Department of Labor Prohibited Transaction Exemption 2002-41, 67 Fed. Reg. 54487
(Aug. 22, 2002)), issued under ERISA, and for the avoidance of any doubt as to the applicability of other provisions of this
Agreement, to the fullest extent permitted by applicable law and except as contemplated by this Agreement, the Trust shall not be a
party to any merger, consolidation or reorganization, or liquidate or sell its assets.

Section 2.17.        Additional Representation Concerning the Mortgage Loans. Based on the applicable Seller’s obligation,
pursuant to Section 3.3 of the Mortgage Loan Purchase Agreement, to repurchase or substitute for the affected Mortgage Loan in the
event of a breach of the representation set forth in clauses (xxvii) or (xxviii) of such Section 3.3 thereof, the parties hereto
agree and understand that it is not intended for the Mortgage Pool to include any Mortgage Loan that is a “high-cost home
loan” as defined under the New Jersey Home Ownership Security Act of 2002, the New Mexico Home Loan Protection Act, the
Massachusetts Predatory Home Loan Practices Act or the Indiana Home Loan Practices Act (Indiana Code, Section 24-9 et seq.).

ARTICLE III

Administration and Servicing of Mortgage Loans

Section 3.01.        The Servicer.  Washington Mutual Bank shall act as Servicer to service and administer the Mortgage Loans
on behalf of the Trust in accordance with the terms hereof, consistent with prudent mortgage loan servicing practices and (unless
inconsistent with prudent mortgage loan servicing practices) in the same manner in which, and with the same care, skill, prudence
and diligence with which, it services and administers similar mortgage loans for other portfolios, and shall have full power and
authority to do or cause to be done any and all things in connection with such servicing and administration which a prudent
servicer of mortgage loans would do under similar circumstances, including, without limitation, the power and authority to bring
actions and defend the Mortgage Pool Assets on behalf of the Trust in order to enforce the terms of the Mortgage Notes.  The
Servicer may perform its servicing responsibilities through agents or independent contractors, but shall not thereby be released
from any of its responsibilities hereunder and the Servicer shall diligently pursue all of its rights against such agents or
independent contractors.

The Servicer shall make reasonable efforts to collect or cause to be
collected all payments called for under the terms and provisions of the Mortgage Loans and shall, to the extent such procedures
shall be consistent with this Agreement and the terms and provisions of any Primary Insurance Policy, any FHA insurance policy or
VA guaranty, any hazard insurance policy, and federal flood insurance, cause to be followed such collection procedures as are
followed with respect to mortgage loans comparable to the Mortgage Loans and held in portfolios of responsible mortgage lenders in
the local areas where each Mortgaged Property is located. The Servicer shall enforce “due-on-sale” clauses with respect
to the related Mortgage Loans, to the extent permitted by law, subject to the provisions set forth in Section 3.08.

Consistent with the foregoing, the Servicer may, in accordance with
prudent mortgage loan servicing practices, (i) waive or cause to be waived any assumption fee or late payment charge in connection
with the prepayment of any Mortgage Loan and (ii) only upon determining that the coverage of any applicable insurance policy or
guaranty related to a Mortgage Loan will not be materially adversely affected, arrange a schedule, running for no more than 180
days after the first delinquent Due Date, for payment of any delinquent installment on any Mortgage Note or for the liquidation of
delinquent items.

Consistent with the terms of this Section 3.01, the Servicer may
waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term or in
any manner grant indulgence to any Mortgagor if it has determined, exercising its good faith business judgment in the same manner
as it would if it were the owner of the related Mortgage Loan, that the security for, and the timely and full collectability of,
such Mortgage Loan would not be adversely affected by such waiver, modification, postponement or indulgence; provided,
however, that (unless the Mortgagor is in default with respect to the Mortgage Loan or in the reasonable judgment of the
Servicer such default is imminent) the Servicer shall not permit any modification with respect to any Mortgage Loan that would (i)
change the applicable Mortgage Interest Rate, defer or forgive the payment of any principal or interest, reduce the outstanding
principal balance (except for actual payments of principal) or extend the final maturity date with respect to such Mortgage Loan,
or (ii) be inconsistent with the terms of any applicable Primary Insurance Policy, FHA insurance policy, VA guaranty, hazard
insurance policy or federal flood insurance policy. Notwithstanding the foregoing, the Servicer shall not permit any modification
with respect to any Mortgage Loan that would both constitute a sale or exchange of such Mortgage Loan within the meaning of Section
1001 of the Code (including any proposed, temporary or final regulations promulgated thereunder) (other than in connection with a
proposed conveyance or assumption of such Mortgage Loan that is treated as a Principal Prepayment or in a default situation) and
cause any REMIC to fail to qualify as such under the Code. The Servicer shall be entitled to approve a request from a Mortgagor for
a partial release of the related Mortgaged Property, the granting of an easement thereon in favor of another Person, any alteration
or demolition of the related Mortgaged Property or other similar matters if it has determined, exercising its good faith business
judgment in the same manner as it would if it were the owner of the related Mortgage Loan, that the security for, and the timely
and full collectability of, such Mortgage Loan would not be adversely affected thereby and that REMIC I and REMIC II would not fail
to continue to qualify as REMICs under the Code as a result thereof and that no tax on “prohibited transactions” or
“contributions” after the startup day would be imposed on any REMIC as a result thereof.

The Servicer is hereby authorized and empowered by the Trust to, and
shall, execute and deliver or cause to be executed and delivered on behalf of the Holders of the REMIC I Regular Interests and the
Class R-1 Residual Interest, the Trustee and the Trust or any of them, any and all instruments of satisfaction or cancellation, or
of partial or full release, discharge or modification, assignments of Mortgages and endorsements of Mortgage Notes in connection
with refinancings (in jurisdictions where such assignments are the customary and usual standard of practice of mortgage lenders)
and all other comparable instruments, with respect to the Mortgage Loans and with respect to the Mortgaged Properties. The Servicer
is hereby further authorized and empowered by the Trust to execute and deliver or cause to be executed and delivered on behalf of
the Holders of the REMIC I Regular Interests and the Class R-1 Residual Interest, the Trustee and the Trust, or any of them,
such instruments of assignment or other comparable instruments as the Servicer shall, in its sole judgment, deem appropriate in
order to register any Mortgage Loan on the MERS® System or to cause the removal of any Mortgage Loan from registration thereon.
Any expenses incurred in connection with the actions described in the preceding sentence shall be borne by the Servicer with no
right of reimbursement; provided, however, that any such expenses incurred as a result of any termination by MERS of the
MERS® System shall be reimbursable to the Servicer.  The Trustee on behalf of the Trust shall execute and furnish to the
Servicer, at the Servicer’s direction, any powers of attorney and other documents prepared by the Servicer and determined by
the Servicer to be necessary or appropriate to enable the Servicer to carry out its supervisory, servicing and administrative
duties under this Agreement.

The Servicer shall obtain (to the extent generally commercially
available) and maintain fidelity bond and errors and omissions coverage acceptable to Fannie Mae or Freddie Mac with respect to its
obligations under this Agreement.  The Servicer shall establish escrow accounts for, or pay when due (by means of an advance),
any tax liens in connection with the Mortgaged Properties and premiums with respect to any insurance required to be maintained by
the Servicer under Section 3.06 and 3.07, to the extent that such amounts are not paid by the Mortgagors when due and to the extent
that any such payment would not constitute a Nonrecoverable Advance when made.

In connection with the servicing and administering of each Mortgage
Loan, the Servicer and any affiliate of the Servicer (i) may perform services such as appraisals, default management and (in the
case of affiliates only) brokerage services that are not customarily provided by servicers of mortgage loans, and shall be entitled
to reasonable compensation therefor and (ii) may, at its own discretion and on behalf of the Trust, obtain credit information
in the form of a “credit score” from a credit repository.

Section 3.02.        The Custodial Accounts for P&I and Buydown Fund Accounts. The Servicer shall establish and maintain the
Custodial Accounts for P&I and shall deposit or cause to be deposited therein within 48 hours of receipt the following amounts
received or advanced by the Servicer with respect to the Mortgage Loans:

(i)         all scheduled payments of principal;

(ii)       
all scheduled payments of interest, net of the Servicing Fees (to the extent not applied to pay Compensating Interest);

(iii)       all
Curtailments and Payoffs;

(iv)       all
Insurance Proceeds (except Insurance Proceeds required for the restoration or repair of the related Mortgaged Property, which shall
be retained by the Servicer in an escrow account established for such purpose and maintained in an Eligible Institution, and which
may, at the Servicer’s option, be invested in Eligible Investments), Liquidation Proceeds, Excess Liquidation Proceeds and
Subsequent Recoveries; and

(v)        all
Repurchase Proceeds.

The Servicer shall not be required to deposit or cause to be deposited
in the Custodial Accounts for P&I the additional servicing compensation described in the second sentence of the definition of
“Servicing Fee.”

In the event that Buydown Funds have been provided with respect to any
Mortgage Loan, the Servicer shall deposit such Buydown Funds in Buydown Fund Accounts established and maintained by the
Servicer.

The Servicer is hereby authorized to make withdrawals from and to
issue drafts against the Custodial Accounts for P&I and the Buydown Fund Accounts for the purposes required or permitted by
this Agreement.

The Servicer hereby undertakes to assure remittance to the Certificate
Account of all amounts relating to the Mortgage Loans that have been collected by the Servicer and are due to the Certificate
Account pursuant to Section 4.01 of this Agreement.

Funds held in the Custodial Account for P&I may, at the
Servicer’s option, be invested in (i) one or more Eligible Investments which shall in no event mature later than the Business
Day prior to the Distribution Date on which such funds are required to be distributed to pursuant to Article IV (except if such
Eligible Investments are obligations of the institution acting as the Trustee, in which case such Eligible Investments may mature
on such Distribution Date), or (ii) such other instruments as shall be required to maintain the Ratings.

Section 3.03.        The Investment Account; Eligible Investments.

(a)        At its option, the
Servicer may invest funds withdrawn from the Custodial Accounts for P&I or the Buydown Fund Accounts for its own account and at
its own risk, during any period prior to their deposit in the Certificate Account pursuant to Section 3.04. Funds so withdrawn
shall immediately be deposited by the Servicer with the Investment Depository in the Investment Account in the name of the Servicer
and the Trust for investment only as set forth in this Section 3.03. The Servicer shall bear any and all losses incurred on any
investments made with such funds and shall be paid all gains realized on such investments (except Payoff Earnings to the extent
applied to pay Compensating Interest) as additional servicing compensation.

(b)        Funds held in the
Investment Account shall be invested in (i) one or more Eligible Investments which shall in no event mature later than the Business
Day prior to the Distribution Date on which such funds are required to be distributed pursuant to Article IV (except if such
Eligible Investments are obligations of the institution acting as the Trustee, in which case such Eligible Investments may mature
on such Distribution Date), or (ii) such other instruments as shall be required to maintain the Ratings.

Section 3.04.        The Certificate
Account.

(a)        On or prior to the
Closing Date, the Trustee shall establish or cause to be established the Certificate Account. Promptly after the Closing Date, the
Trustee shall communicate to the Servicer the account number and wiring instructions for the Certificate Account.

(b)        Not later than the
Business Day prior to each Distribution Date, the Servicer shall direct the Investment Depository to withdraw from the Investment
Account and deposit in the Certificate Account (or, in the event any such amounts have not been deposited in the Investment
Account, the Servicer shall withdraw from the Custodial Accounts for P&I or the Buydown Fund Accounts, as applicable, and
deposit in the Certificate Account) the following amounts (in each case, net of any amounts that the Servicer is entitled to
withdraw from the Custodial Accounts for P&I pursuant to Section 3.05(a)(i) through (v)):

(i)                 
Scheduled installments of principal and interest on the Mortgage Loans received by the Servicer which were due on or before the
related Due Date;

(ii)               
Payoffs received by the Servicer during the related Payoff Period, with interest to the date of Payoff;

(iii)              
Curtailments, Insurance Proceeds (except Insurance Proceeds required for the restoration or repair of the related Mortgaged
Property), Liquidation Proceeds, Excess Liquidation Proceeds, Subsequent Recoveries and Repurchase Proceeds received by the
Servicer during the Prior Period;

(iv)              any Monthly
P&I Advance required to be made by the Servicer for such Distribution Date;

(v)               
amounts paid by the Servicer in connection with the exercise of its option to terminate this Agreement pursuant to Section 9.01;
and

(vi)              any other
amounts required to be distributed from the Certificate Account on such Distribution Date pursuant to Article IV.

(c)        [Reserved.]

(d)        Funds held in the
Certificate Account shall be invested at the written direction of the Servicer in (i) one or more Eligible Investments which shall
in no event mature later than the Business Day prior to the related Distribution Date (except if such Eligible Investments are
obligations of the institution acting as the Trustee, such Eligible Investments may mature on the Distribution Date), or (ii) such
other instruments as shall be required to maintain the Ratings.  The Servicer shall be entitled to be paid as additional
servicing compensation any gains earned on such Eligible Investments and shall bear any losses suffered in connection
therewith.  If the Trustee has not received such written investment directions from the Servicer, the Trustee shall not invest
funds held in the Certificate Account.  The Trustee shall have no liability for any losses on investments of funds held in the
Certificate Account.

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

(a)        The
Servicer is authorized to make withdrawals (or, in the case of the Certificate Account, to direct the Trustee to make withdrawals),
from time to time, from the Investment Account, the Certificate Account or the Custodial Accounts for P&I of amounts deposited
therein, as follows:

(i)                  To
reimburse itself for the following amounts advanced
by the
Servicer, to the extent that such amounts have not been previously
reimbursed or otherwise recovered by the Servicer:  (a) Monthly P&I Advances made pursuant to
Section 4.02, (b) amounts advanced with respect to the payment of taxes
pursuant to the sixth paragraph of Section 3.01, (c)
amounts advanced to maintain any required insurance pursuant to Sections 3.06 and 3.07 and (d) amounts
expended by or for the account of the Servicer pursuant to Section 3.09 in connection with foreclosure or bankruptcy proceedings or
the maintenance or restoration of Mortgaged Properties,such right to reimbursement pursuant to this paragraph (i) being limited to
amounts (including late Monthly Payments, Insurance Proceeds and Liquidation Proceeds) received on the particular Mortgage Loan
with respect to which such advances were made;

(ii)                To
reimburse itself for amounts   advanced
by the Servicer
that the Servicer has determined to be Nonrecoverable Advances;

(iii)               To pay to
itself the sum of the Servicing Fees and any Payoff Interest (net of Compensating Interest reduced by Payoff Earnings) for the
related Distribution Date;

(iv)              To pay to
itself the amount of any reinvestment earnings deposited or earned in the Investment Account or the Certificate Account (reduced by
the lesser of Payoff Earnings and Compensating Interest for the related Distribution Date);

(v)                To
reimburse itself or the Company for expenses incurred by and reimbursable to it or the Company pursuant to Section 6.03;

(vi)              To pay on
behalf of the Trust any Special Primary Insurance Premium payable by the Trust pursuant to Section 4.04(a); provided, the
Servicer shall give written notice thereof to the Trustee prior to noon New York City time two Business Days prior to the
applicable Distribution Date;

(vii)             To make any deposit,
required or permitted hereunder, of withdrawn funds to the Investment Account or the Certificate Account; and

after making or providing for the
above withdrawals

(viii)           To clear and terminate the
Investment Account and the Certificate Account following termination of this Agreement pursuant to Section 9.01.

Since, in connection with withdrawals pursuant to Section 3.05(a)(i),
the Servicer’s entitlement thereto is limited to collections or other recoveries on the related Mortgage Loan, the Servicer
shall keep and maintain, separate accounting for each Mortgage Loan, for the purpose of justifying any such withdrawals.

(b)        The Servicer is
authorized to make withdrawals, from time to time, of Buydown Funds from the Buydown Fund Accounts or Custodial Accounts for
P&I (and, to the extent applicable, to make deposits of the amounts withdrawn), as follows:

(i)                  To
deposit each month in the Investment Account or the Certificate Account the amount necessary to supplement payments received on
Buydown Loans;

(ii)                In
the event of a Payoff of any Mortgage Loan having a related Buydown Fund, to apply amounts remaining in Buydown Fund Accounts to
reduce the required amount of such principal Payoff (or, if the Mortgagor has made a Payoff, to refund such remaining Buydown Fund
amounts to the Person entitled thereto);

(iii)               In the
event of foreclosure or liquidation of any Mortgage Loan having a Buydown Fund, to deposit remaining Buydown Fund amounts in the
Investment Account or the Certificate Account as Liquidation Proceeds; and

(iv)              To clear and
terminate the portion of any account representing Buydown Funds following termination of this Agreement pursuant to Section
9.01.

(c)        The Trustee is
authorized to make withdrawals from time to time from the Certificate Account to reimburse itself for advances it has made as
successor Servicer pursuant to Section 7.01(a) hereof that it has determined to be Nonrecoverable Advances.

Section 3.06.        Maintenance of Primary Insurance Policies; Collections Thereunder. The Servicer shall use commercially
reasonable efforts to keep in full force and effect each Primary Insurance Policy (except any Special Primary Insurance Policy)
required with respect to a Mortgage Loan until no longer required, and the Servicer shall use commercially reasonable efforts to
keep in full force and effect each Special Primary Insurance Policy, if any. Notwithstanding the foregoing, the Servicer shall have
no obligation to maintain any Primary Insurance Policy for a Mortgage Loan for which the outstanding Principal Balance thereof at
any time subsequent to origination was 80% or less of the Appraised Value of the related Mortgaged Property, unless required by
applicable law.

Unless required by applicable law, the Servicer shall not cancel or
refuse to renew any Primary Insurance Policy in effect at the date of the initial issuance of the Certificates that is required to
be kept in force hereunder; provided, however, that the Servicer shall not advance funds for the payment of any premium due
under (i) any Primary Insurance Policy (other than a Special Primary Insurance Policy) if it shall determine that such an advance
would be a Nonrecoverable Advance or (ii) any Special Primary Insurance Policy.

Section 3.07.        Maintenance of Hazard Insurance. The Servicer shall cause to be maintained for each Mortgage Loan (other than
a Cooperative Loan) hazard insurance with extended coverage in an amount which is not less than the original principal balance of
such Mortgage Loan, except in cases approved by the Servicer in which such amount exceeds the value of the improvements to the
Mortgaged Property. The Servicer shall also require hazard insurance with extended coverage in a comparable amount on property
acquired upon foreclosure, or deed in lieu of foreclosure, of any Mortgage Loan (other than a Cooperative Loan). Any amounts
collected under any such policies (other than amounts to be applied to the restoration or repair of the related Mortgaged Property)
shall be deposited into the Custodial Account for P&I, subject to withdrawal pursuant to Section 3.03 and Section 3.05. Any
unreimbursed costs incurred in maintaining any insurance described in this Section 3.07 shall be recoverable as an advance by the
Servicer pursuant to Section 3.05(a). Such insurance shall be with insurers approved by the Servicer or Fannie Mae or Freddie Mac.
Other additional insurance may be required of a Mortgagor pursuant to such applicable laws and regulations as shall at any time be
in force and as shall require such additional insurance. Where any part of any improvement to the Mortgaged Property (other than a
Mortgaged Property secured by a Cooperative Loan) is located in a federally designated special flood hazard area and in a community
which participates in the National Flood Insurance Program at the time of origination of the related Mortgage Loan, the Servicer
shall cause flood insurance to be provided. The hazard insurance coverage required by this Section 3.07 may be met with blanket
policies providing protection equivalent to individual policies otherwise required.  The Servicer agrees to present, or cause
to be presented, on behalf of and for the benefit of the Trust, claims under the hazard insurance policy respecting any Mortgage
Loan, and in this regard to take such reasonable actions as shall be necessary to permit recovery under such policy.

Section 3.08.        Enforcement of Due-on-Sale Clauses; Assumption Agreements. When any Mortgaged Property is about to be
conveyed by the Mortgagor, the Servicer shall, to the extent it has knowledge of such prospective conveyance and prior to the time
of the consummation of such conveyance, exercise on behalf of the Trust the Trust’s rights to accelerate the maturity of such
Mortgage Loan, to the extent that such acceleration is permitted by the terms of the related Mortgage Note, under any
“due-on-sale” clause applicable thereto; provided, however, that the Servicer shall not exercise any such right
if the due-on-sale clause, in the reasonable belief of the Servicer, is not enforceable under applicable law or if such exercise
would result in non-coverage of any resulting loss that would otherwise be covered under any insurance policy. In the event the
Servicer is prohibited from exercising such right, the Servicer is authorized to take or enter into an assumption and modification
agreement from or with the Person to whom a Mortgaged Property has been or is about to be conveyed, pursuant to which such Person
becomes liable under the Mortgage Note and, unless prohibited by applicable state law or unless the Mortgage Note contains a
provision allowing a qualified borrower to assume the Mortgage Note, the Mortgagor remains liable thereon; provided that the
Mortgage Loan shall continue to be covered (if so covered before the Servicer enters such agreement) by any related Primary
Insurance Policy. The Servicer is also authorized to enter into a substitution of liability agreement with such Person, pursuant to
which the original Mortgagor is released from liability and such Person is substituted as Mortgagor and becomes liable under the
Mortgage Note.  The Servicer shall not enter into any substitution or assumption with respect to a Mortgage Loan if such
substitution or assumption shall (i) both constitute a “significant modification” effecting an exchange or reissuance
of such Mortgage Loan under the Code (or Treasury regulations promulgated thereunder) and cause the REMICs to fail to qualify as a
REMIC under the REMIC Provisions or (ii) cause the imposition of any tax on “prohibited transactions” or
“contributions” after the startup day under the REMIC Provisions.  The Servicer shall notify the Trustee that any
such substitution or assumption agreement has been completed by forwarding to the Trustee (or, if applicable, the Custodian) the
original copy of such substitution or assumption agreement and other documents and instruments constituting a part thereof. In
connection with any such assumption or substitution agreement, the terms of the related Mortgage Note shall not be changed. Any fee
collected by the Servicer for entering into an assumption or substitution of liability agreement shall be paid to the Servicer as
additional servicing compensation.

Notwithstanding the foregoing paragraph or any other provision of this
Agreement, the Servicer shall not be deemed to be in default, breach or otherwise in violation of any of its obligations hereunder
by reason of any assumption of a Mortgage Loan by operation of law or any assumption which the Servicer may be restricted by law
from preventing, for any reason whatsoever.

Section 3.09.        Realization Upon Defaulted Mortgage Loans. The Servicer shall foreclose upon or otherwise comparably convert,
or cause to be foreclosed upon or comparably converted, the ownership of any Mortgaged Property securing a Mortgage Loan which
comes into and continues in default and as to which no satisfactory arrangements can be made for collection of delinquent payments
pursuant to Section 3.01. In lieu of such foreclosure or other conversion, and taking into consideration the desirability of
maximizing net Liquidation Proceeds and Insurance Proceeds, the Servicer may, to the extent consistent with prudent mortgage loan
servicing practices, accept a payment of less than the outstanding Principal Balance of a delinquent Mortgage Loan in full
satisfaction of the indebtedness evidenced by the related Mortgage Note and release the lien of the related Mortgage upon receipt
of such payment. The Servicer shall not foreclose upon or otherwise comparably convert a Mortgaged Property if the Servicer is
aware of evidence of toxic waste, other hazardous substances or other evidence of environmental contamination thereon and the
Servicer determines that it would be imprudent to do so. In connection with such foreclosure or other conversion, the Servicer
shall cause to be followed such practices and procedures as it shall deem necessary or advisable and as shall be normal and usual
in general mortgage servicing activities. The Servicer shall be responsible for all costs and expenses incurred by it in any such
foreclosure proceedings or in any bankruptcy proceedings with respect to a Mortgagor, and the costs and expenses of maintaining or
restoring any Mortgaged Property securing a defaulted Mortgage Loan; provided, however, that it shall be entitled to
reimbursement thereof (as well as its normal servicing compensation) as an advance. The foregoing is subject to the provision that,
in the case of damage to a Mortgaged Property from an Uninsured Cause, the Servicer shall not advance funds towards the restoration
of the property unless it shall be determined, in the sole judgment of the Servicer, (i) that such restoration will increase the
proceeds of liquidation of the Mortgage Loan to Certificateholders after reimbursement to itself for such expenses, and (ii) that
such expenses will be recoverable to it through Liquidation Proceeds. The Servicer shall maintain information required for tax
reporting purposes regarding any Mortgaged Property which is abandoned or which has been foreclosed or otherwise comparably
converted. The Servicer shall report such information to the Internal Revenue Service and the Mortgagor in the manner required by
applicable law.

The Servicer may enter into one or more
special servicing agreements with a Lowest Class B Owner, subject to each Rating Agency’s acknowledgment that the Ratings of
the Certificates in effect immediately prior to the entering into of such agreement would not be qualified, downgraded or withdrawn
and the Certificates would not be placed on credit review status (except for possible upgrading) as a result of such
agreement.  Any such agreement may contain provisions whereby such Lowest Class B Owner may (a) instruct the Servicer to
commence or delay foreclosure proceedings with respect to delinquent Mortgage Loans, provided that the Lowest Class B Owner
deposits a specified amount of cash with the Servicer that will be available for distribution to Certificateholders if Liquidation
Proceeds are less than they otherwise may have been had the Servicer acted pursuant to its normal servicing procedures, (b)
purchase such delinquent Mortgage Loans from the Trust immediately prior to the commencement of foreclosure proceedings at a price
equal to the aggregate outstanding Principal Balance of such Mortgage Loans plus accrued interest thereon at the applicable
Mortgage Interest Rate through the last day of the month in which such Mortgage Loans are purchased plus any unreimbursed advances
made by the Servicer hereunder; and/or (c) assume all of the servicing rights and obligations with respect to such delinquent
Mortgage Loans so long as (i) the Servicer has the right to transfer the servicing rights and obligations of such Mortgage Loans to
another servicer and (ii) such Lowest Class B Owner will service such Mortgage Loans in accordance with the terms of this
Agreement; provided, however, that no such agreement will relieve the Servicer of any of its obligations
hereunder.

REMIC I shall not acquire any real property (or personal property
incident to such real property) except in connection with a default or imminent default of a Mortgage Loan. In the event that REMIC
I acquires any real property (or personal property incident to such real property) in connection with a default or imminent default
of a Mortgage Loan, such property shall be disposed of by the Servicer as soon as practicable in a manner that, consistent with
prudent mortgage loan servicing practices, maximizes the net present value of the recovery to the Trust, but in any event within
three years after its acquisition by the Servicer for REMIC I unless the Servicer provides to the Trustee an Opinion of Counsel to
the effect that the holding by REMIC I of such Mortgaged Property subsequent to three years after its acquisition will not result
in the imposition of taxes on “prohibited transactions” of REMIC I as defined in Section 860F of the Code or under the
law of any state in which real property securing a Mortgage Loan owned by REMIC I is located or cause REMIC I to fail to qualify as
a REMIC for federal income tax purposes or for state tax purposes under the laws of any state in which real property securing a
Mortgage Loan owned by REMIC I is located at any time that any Certificates are outstanding. The Servicer shall conserve, protect
and operate each such property for the Certificateholders solely for the purpose of its prompt disposition and sale in a manner
which does not cause such property to fail to qualify as “foreclosure property” within the meaning of Section
860G(a)(8) or result in the receipt by the REMIC of any “income from non-permitted assets” within the meaning of
Section 860F(a)(2)(B) of the Code or any “net income from foreclosure property” which is subject to taxation under the
REMIC Provisions. Pursuant to its efforts to sell such property, the Servicer shall either itself or through an agent selected by
the Servicer protect and conserve such property in the same manner and to such extent as is customary in the locality where such
property is located and may, incident to its conservation and protection of the assets of the Trust, rent the same, or any part
thereof, as the Servicer deems to be in the best interest of the Trust for the period prior to the sale of such property.
Additionally, the Servicer shall perform the tax withholding and shall file information returns with respect to the receipt of
mortgage interests received in a trade or business, the reports of foreclosures and abandonments of any Mortgaged Property and the
information returns relating to cancellation of indebtedness income with respect to any Mortgaged Property required by Sections
6050H, 6050J and 6050P, respectively, of the Code, and deliver to the Trustee an Officers’ Certificate on or before March 31
of each year stating that such reports have been filed.  Such reports shall be in form and substance sufficient to meet the
reporting requirements imposed by Sections 6050H, 6050J and 6050P of the Code.

Notwithstanding any other provision of this Agreement, the Servicer
and the Trustee, as applicable, shall comply with all federal withholding requirements with respect to payments to
Certificateholders of interest or original issue discount that the Servicer or the Trustee reasonably believes are applicable under
the Code.  The consent of Certificateholders shall not be required for any such withholding.  Without limiting the
foregoing, the Servicer shall not withhold with respect to payments of interest or original issue discount in the case of a
Certificateholder that has furnished or caused to be furnished an effective Form W-8 or an acceptable substitute form or a
successor form and who is not a “10 percent shareholder” within the meaning of Code Section 871(h)(3)(B) or a
“controlled foreign corporation” described in Code Section 881(c)(3)(C) with respect to REMIC I, REMIC II or the
Company.  In the event the Trustee withholds any amount from interest or original issue discount payments or advances thereof
to any Certificateholder pursuant to federal withholding requirements, the Trustee shall indicate the amount withheld to such
Certificateholder.

Section 3.10.        Trustee to Cooperate; Release of Mortgage Files. Upon the Payoff or scheduled maturity of any Mortgage Loan,
the Servicer shall cause such final payment to be deposited within 48 hours in the related Custodial Account for P&I.  The
Servicer shall promptly notify the Trustee thereof by a certification (which certification shall include a statement to the effect
that all amounts received in connection with such payment which are required to be deposited in such account have been so
deposited) of a Servicing Officer and shall request delivery to it of the Mortgage File; provided, however, that such
certification shall not be required if the Mortgage File is held by a Custodian which is also the Servicer of the Mortgage Loan.
Upon receipt of such certification and request, the Trustee shall (or, if applicable, shall cause the Custodian in accordance with
the Custodial Agreement to), not later than the fifth succeeding Business Day, release, or cause to be released, the related
Mortgage File to the Servicer. With any such Payoff or other final payment, the Servicer is authorized (i) to prepare for and
procure from the trustee or mortgagee under the Mortgage which secured the Mortgage Note a deed of full reconveyance or other form
of satisfaction or assignment of Mortgage and endorsement of Mortgage Note in connection with a refinancing covering the Mortgaged
Property, which satisfaction, endorsed Mortgage Note or assigning document shall be delivered by the Servicer to the person or
persons entitled thereto, and (ii) with respect to any MERS Loan, to cause the removal of such Mortgage Loan from registration on
the MERS® System. No expenses incurred in connection with such satisfaction or assignment shall be payable to the Servicer by
the Trustee or from the Certificate Account, the related Investment Account or the related Custodial Account for P&I. From time
to time as appropriate for the servicing or foreclosure of any Mortgage Loan, including, for this purpose, collection under any
Primary Insurance Policy, the Trustee shall (or, if applicable, shall cause the Custodian in accordance with the Custodial
Agreement to), upon request of the Servicer and delivery to it of a trust receipt signed by a Servicing Officer, release not later
than the fifth Business Day following the date of receipt of such request and trust receipt the related Mortgage File to the
Servicer and shall execute such documents as shall be necessary to the prosecution of any such proceedings. Such trust receipt
shall obligate the Servicer to return the Mortgage File to the Trustee (or, if applicable, the Custodian) when the need therefor by
the Servicer no longer exists, unless the Mortgage Loan shall be liquidated, in which case, upon receipt of a certificate of a
Servicing Officer similar to that herein above specified, the trust receipt shall be released by the Trustee to the Servicer.

Section 3.11.        Compensation to the Servicer. As compensation for its activities hereunder, the Servicer shall be entitled to
receive from the accounts listed in Section 3.05(a) the amounts provided for by Section 3.05(a)(iii). In addition, the Servicer
shall be entitled to be paid, as additional servicing compensation, (i) any prepayment penalties, late charges, nonsufficient funds
fees and other fees and charges collected on the Mortgage Loan, (ii) to the extent provided in Section 3.03, all gains realized on
investments of funds held in the Investment Account and (iii) all gains realized on investments of funds held in the Certificate
Account. The Servicer shall be required to pay all expenses incurred by it in connection with its activities hereunder and shall
not be entitled to reimbursement therefor, except as specifically provided herein.

Section 3.12.        [Reserved.] 

Section 3.13.        Annual Statement as to Compliance.

The Servicer shall
deliver to the Company and the Trustee, on or before April 30 of each year, beginning with the first April 30 succeeding the
Cut-Off Date by at least six months, an Officer’s Certificate stating as to the signer thereof, that (i) a review of the
activities of the Servicer during the preceding calendar year (or the applicable portion thereof) and of its performance under this
Agreement has been made under such officer’s supervision, and (ii) to the best of such officer’s knowledge, based on
such review, the Servicer has fulfilled all its obligations under this Agreement in all material respects throughout such year (or
the applicable portion thereof), or, if there has been a failure to fulfill any such obligation in any material respect, specifying
each such failure known to such officer and the nature and status thereof. Copies of such statement shall be provided by the
Servicer, or by the Trustee (solely to the extent that such copies are available to the Trustee) at the expense of the Servicer, to
Certificateholders upon request.

Section 3.14.        Access to Certain Documentation and Information Regarding the Mortgage Loans. In the event that the
Certificates are legal for investment by federally-insured savings associations, the Servicer shall provide to the OTS, the FDIC
and the supervisory agents and examiners of the OTS and the FDIC access to the documentation regarding the related Mortgage Loans
required by applicable regulations of the OTS or the FDIC, as applicable, and shall in any event provide such access to the
documentation regarding such Mortgage Loans to the Trustee and its representatives, such access being afforded without charge, but
only upon reasonable request and during normal business hours at the offices of the Servicer designated by it.

Section 3.15.        Annual Independent Public Accountants’ Servicing Report. On or before April 30 of each year, beginning
with the first April 30 succeeding the Cut-Off Date by at least six months, the Servicer, at its expense, shall furnish to the
Trustee a copy of a report delivered to the Servicer by a firm of independent public accountants (who may also render other
services to the Servicer or any affiliate thereof) to the effect that, on the basis of an examination conducted by such firm in
accordance with standards established by the American Institute of Certified Public Accountants, the Servicer has complied with
certain minimum residential mortgage loan servicing standards in its role as Servicer with respect to the servicing of residential
mortgage loans (including the Mortgage Loans) during the most recently completed fiscal year.  In rendering its report such
firm may rely, (a) as to matters relating to the Certificates, upon a statistical sampling of series of mortgage-backed
certificates which may include the Certificates and (b) as to matters relating to the direct servicing of residential mortgage
loans by subservicers, upon comparable reports of firms of independent certified public accountants rendered on the basis of
examinations conducted in accordance with the same standards (rendered within one year of such report) with respect to those
subservicers.

ARTICLE IV

Payments to Certificateholders; Payment of Expenses

Section 4.01.        Distributions to Holders of REMIC I Regular Interests and Class R-1 Residual Interest.  On each
Distribution Date, the Trustee (or any duly appointed paying agent) on behalf of the Trust (i) shall be deemed to have distributed
from the Certificate Account the REMIC I Distribution Amount to the Holders of the REMIC I Regular Interests and to have deposited
such amounts for their benefit into the Certificate Account and (ii) from the Certificate Account shall distribute to the Class R
Certificateholders, in accordance with the written statement received from the Servicer pursuant to Section 4.02(b), the sum of (a)
the Excess Liquidation Proceeds and (b) the amounts to be distributed to the Holders of the Class R-1 Residual Interest pursuant to
the definition of “REMIC I Distribution Amount” for such Distribution Date.  Amounts distributed pursuant to
clause (ii) above shall be distributed by wire transfer in immediately available funds for the account of each Class R
Certificateholder, or by any other means of payment acceptable to each Class R Certificateholder of record on the immediately
preceding Record Date (other than as provided in Section 9.01 respecting the final distribution), as specified by each such
Certificateholder and at the address of such Holder appearing in the Certificate Register. Notwithstanding any other provision of
this Agreement, no actual distributions pursuant to clause (i) of this Section 4.01 shall be made on account of the deemed
distributions described in this paragraph except in the event of a liquidation of REMIC II and not REMIC I.

Section 4.02.        Monthly P&I
Advances; Distribution Reports to the Trustee.

(a)        To the extent described
below, the Servicer is obligated to advance its own funds to the Custodial Account for P&I, or apply funds held in the
Custodial Account for P&I for future distribution, to cover any shortfall between (i) payments of principal and interest
scheduled to be received in respect of the Mortgage Loans and (ii) the amounts actually received.  The Servicer’s
obligation to make any advance or advances described in this Section 4.02 is effective only to the extent that such advance is, in
the good faith judgment of the Servicer made not later than the second Business Day prior to each Distribution Date, reimbursable
from Insurance Proceeds or Liquidation Proceeds of the related Mortgage Loans or recoverable as late Monthly Payments with respect
to the related Mortgage Loans or otherwise.

Prior to the close of business on the second Business Day prior to
each Distribution Date, the Servicer shall determine whether or not it will make a Monthly P&I Advance not later than the
Business Day prior to such Distribution Date and shall furnish a written statement to the Trustee, the Paying Agent, if any, and to
any Certificateholder requesting the same, setting forth the aggregate amount to be advanced on account of principal and interest
in respect of the Mortgage Loans, stated separately.

In the event that the Servicer shall be required to make a Monthly
P&I Advance, it shall, not later than the Business Day prior to the related Distribution Date either (i) deposit in the
Custodial Account for P&I an amount equal to such Monthly P&I Advance, (ii) make an appropriate entry in the records of the
Custodial Account for P&I that funds in such account being held for future distribution or withdrawal have been, as permitted
by this Section 4.02, used by the Servicer to make such Monthly P&I Advance or (iii) make advances in the form of any
combination of (i) and (ii) aggregating the amount of such Monthly P&I Advance.  Any funds being held for future
distribution and so used shall be replaced by the Servicer by deposit in the Custodial Account for P&I not later than the
Business Day prior to any future Distribution Date to the extent that funds otherwise available for distribution on such
Distribution Date with respect to the Mortgage Loans shall be less than payments required to be made hereunder on such Distribution
Date. 

(b)        Prior to noon New York
City time two Business Days prior to each Distribution Date, the Servicer shall provide (x) the Trustee and (y) the Company with a
statement in writing of:

(A)       the
following information with respect to the Certificates: 

(1) the total amount of (i) interest, (ii)
scheduled principal, (iii) Principal Prepayments, (iv) Liquidation Proceeds and Insurance Proceeds, (v) Subsequent Recoveries and
(vi) Repurchase Proceeds to be distributed to the Certificates on such Distribution Date;

(2) the amount, as applicable, of (i)
interest, (ii) principal, (iii) Excess Liquidation Proceeds and (iv) the Residual Distribution Amount to be distributed to each
Class of Certificates on such Distribution Date;

(3) the amount of (i) Realized Losses (after
giving effect to any reduction thereof by application of any Cumulative Carry-Forward Subsequent Recoveries Amount) and (ii)
Uncompensated Interest Shortfall to be allocated to each Class of Certificates on such Distribution Date; and

(4) the applicable Class Principal Balance
before and after giving effect to such distributions and allocations; and

(B)       the
following information with respect to the Mortgage Loans:

(1)        the number and aggregate Principal Balance of the Mortgage Loans before and
after giving effect to the distributions on such Distribution Date, in each case, by Loan Group;

(2)        the number and aggregate Principal Balance of the Mortgage Loans delinquent
one, two and three months or more, in each case, by Loan Group;

(3)        the number and aggregate Principal Balance of the Mortgage Loans with respect
to which foreclosure proceedings have been initiated, in each case, by Loan Group;

(4)        the number and aggregate Principal Balance of Mortgage Loans with respect to
which the related Mortgaged Properties have been acquired through foreclosure, deed in lieu of foreclosure or otherwise, in each
case, by Loan Group; and

(5)        any Monthly P&I Advance made by the Servicer for such Distribution
Date.

Section 4.03.        Nonrecoverable Advances. Any advance previously made by the Servicer that the Servicer shall determine in its
good faith judgment not to be ultimately recoverable from Insurance Proceeds or Liquidation Proceeds or otherwise with respect to
such Mortgage Loan or recoverable as late Monthly Payments with respect to such Mortgage Loan shall be a Nonrecoverable
Advance.  The determination by the Servicer that it has made a Nonrecoverable Advance or that any advance would constitute a
Nonrecoverable Advance shall be evidenced by an Officer’s Certificate of the Servicer delivered to the Trustee on the
Determination Date and detailing the reasons for such determination.  Notwithstanding any other provision of this Agreement,
any insurance policy relating to the Mortgage Loans, or any other agreement relating to the Mortgage Loans to which the Company or
the Servicer is a party, (a) the Servicer shall not be obligated to, and shall not, make any advance that, after reasonable inquiry
and in its sole discretion, the Servicer shall determine would be a Nonrecoverable Advance and (b) the Servicer shall be entitled
to reimbursement for any advance as provided in Section 3.05(a)(i) and (ii) of this Agreement.

Section 4.04.        Distributions to Certificateholders; Payment of Special Primary Insurance Premiums. 

(a)        On each Distribution
Date, the Trustee (or any duly appointed paying agent) shall on behalf of the Trust (i) subject to Section 3.05(a)(vi), withdraw
from the Certificate Account any Special Primary Insurance Premium payable on such Distribution Date and pay such amount to the
insurer under the applicable Special Primary Insurance Policy in accordance with the Servicer’s instructions and (ii)
withdraw from the Certificate Account the REMIC II Available Distribution Amount for such Distribution Date and distribute, from
the amount so withdrawn, to the extent of the REMIC II Available Distribution Amount, the REMIC II Distribution Amount to the
Certificateholders (including the Class R Certificateholders with respect to any distribution to the Holders of the Class R-2
Residual Interest), all in accordance with the written statement received from the Servicer pursuant to Section 4.02(b).  Any
Special Primary Insurance Premiums distributed pursuant to clause (i) above shall be distributed by any method specified in the
respective Special Primary Insurance Policy as directed by the related insurer to the Servicer (and by the Servicer to the
Trustee).  Amounts distributed to the Certificateholders pursuant to clause (ii) above shall be distributed by wire transfer
in immediately available funds for the account of, or by check mailed to, each such Certificateholder of record on the immediately
preceding Record Date (other than as provided in Section 9.01 respecting the final distribution), as specified by each such
Certificateholder and at the address of such Holder appearing in the Certificate Register.

(b)        All reductions in the
Certificate Principal Balance of a Certificate effected by distributions of principal and all allocations of Realized Losses made
on any Distribution Date shall be binding upon all Holders of such Certificate and of any Certificate issued upon the registration
of transfer or exchange therefor or in lieu thereof, whether or not such distribution is noted on such Certificate. The final
distribution of principal of each Certificate (and the final distribution upon the Class R Certificates upon (i) the termination of
REMIC I and REMIC II and (ii) the payment, or making provision for payment, of all liabilities of the Trust) shall be payable in
the manner provided above only upon presentation and surrender thereof on or after the Distribution Date therefor at the office or
agency of the Certificate Registrar specified in the notice delivered pursuant to Section 4.04(c)(ii) and Section
9.01(b).

(c)        Whenever, on the basis
of Curtailments, Payoffs and Monthly Payments on the Mortgage Loans and Insurance Proceeds and Liquidation Proceeds received and
expected to be received during the Payoff Period, the Servicer has notified the Trustee that it believes that the entire remaining
unpaid Class Principal Balance of any Class of Certificates will become distributable on the next Distribution Date, the Trustee
shall, no later than the 18th day of the month of such Distribution Date, mail or cause to be mailed to each Person in whose name a
Certificate to be so retired is registered at the close of business on the Record Date and to the Rating Agencies a notice to the
effect that:

(i)                  it is
expected that funds sufficient to make such final distribution will be available in the Certificate Account on such Distribution
Date, and

(ii)                if
such funds are available, (A) such final distribution will be payable on such Distribution Date, but only upon presentation and
surrender of such Certificate at the office or agency of the Certificate Registrar maintained for such purpose (the address of
which shall be set forth in such notice), and (B) no interest shall accrue on such Certificate after such Distribution
Date.

Section 4.05.        Statements to Certificateholders. With each distribution from the Certificate Account on a Distribution Date,
the Trustee shall send to each Rating Agency and shall make available to each Certificateholder the statement required by Section
4.02(b).  The Trustee may make available such statement and certain other information, including, without limitation,
information required to be provided by the Trustee pursuant to Section 3.13, to Certificateholders through the Trustee’s web
site. Such web site is currently located at “https://www.tss.db.com/invr”.  Assistance in using the web site can
currently be obtained by calling the Trustee’s investor relations desk at 800-735-7777. Parties unable to use this
distribution method may request that a paper copy be mailed to them via first class mail by calling the investor relations desk.
The location of such web page and the procedures used therein are subject to change from time to time at the Trustee’s
discretion.

Upon request by any Certificateholder, the
Servicer, as soon as reasonably practicable, shall provide the requesting Certificateholder with such information as is necessary
and appropriate, in the Servicer’s sole discretion, for purposes of satisfying applicable reporting requirements under Rule
144A of the Securities Act.

The Company or the Servicer may make
available any reports, statements or other information to Certificateholders through a web page on the world wide web. As of the
Closing Date, such web page is located at “www.wamumsc.com” and information is available by clicking on “Investor
Information.”

ARTICLE V

The Certificates

Section 5.01.        The
Certificates.

(a)        The Certificates shall
be substantially in the forms set forth in Exhibit A and B with the additional insertion from Exhibit H attached hereto, and shall
be executed by the Trustee on behalf of the Trust, authenticated by the Trustee (or any duly appointed Authenticating Agent) and
delivered (i) upon and pursuant to the order of the Company and (ii) upon receipt by the Trustee of the documents specified in
Section 2.01. The Certificates shall be issuable in Authorized Denominations. Certificates shall be executed by manual or facsimile
signature on behalf of the Trust by authorized officers of the Trustee. Certificates bearing the manual or facsimile signatures of
individuals who were at the time of execution the proper officers of the Trustee shall bind the Trust, notwithstanding that such
individuals or any of them have ceased to hold such offices prior to the authentication and delivery of such Certificates or did
not hold such offices at the date of such Certificates. No Certificate shall be entitled to any benefit under this Agreement, or be
valid for any purpose, unless there appears on such Certificate a certificate of authentication substantially in the form provided
for herein executed by the Trustee or any Authenticating Agent by manual signature, and such certificate upon any Certificate shall
be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and delivered hereunder. All
Certificates shall be dated the date of their authentication.

(b)        The following
definitions apply for purposes of this Section 5.01: “Disqualified Organization” means any Person which is not a
Permitted Transferee, but does not include any “Pass-Through Entity” which owns or holds a Residual Certificate
and of which a Disqualified Organization, directly or indirectly, may be a stockholder, partner or beneficiary; “Pass-Through
Entity” means any regulated investment company, real estate investment trust, common trust fund, partnership, trust or
estate, and any organization to which Section 1381 of the Code applies; “Ownership Interest” means, with respect
to any Residual Certificate, any ownership or security interest in such Residual Certificate, including any interest in a Residual
Certificate as the Holder thereof and any other interest therein whether direct or indirect, legal or beneficial, as owner or as
pledgee; “Transfer” means any direct or indirect transfer or sale of, or directly or indirectly transferring or
selling any Ownership Interest in a Residual Certificate; and “Transferee” means any Person who is acquiring by
Transfer any Ownership Interest in a Residual Certificate.

(c)        Restrictions on
Transfers of the Residual Certificates to Disqualified Organizations are set forth in this Section 5.01(c).

(i)                  Each
Person who has or who acquires any Ownership Interest in a Residual Certificate shall be deemed by the acceptance or acquisition of
such Ownership Interest to have agreed to be bound by the following provisions and to have irrevocably authorized the Trustee or
its designee under clause (iii)(A) below to deliver payments to a Person other than such Person and to negotiate the terms of any
mandatory sale under clause (iii)(B) below and to execute all instruments of transfer and to do all other things necessary in
connection with any such sale. The rights of each Person acquiring any Ownership Interest in a Residual Certificate are expressly
subject to the following provisions:

(A)       Each
Person holding or acquiring any Ownership Interest in a Residual Certificate shall be a Permitted Transferee and shall promptly
notify the Trustee of any change or impending change in its status as a Permitted Transferee.

(B)       In
connection with any proposed Transfer of any Ownership Interest in a Residual Certificate to a U.S. Person, the Trustee shall
require delivery to it, and shall not register the Transfer of any Residual Certificate until its receipt of (1) an affidavit and
agreement (a “Transferee Affidavit and Agreement”) attached hereto as Exhibit J from the proposed Transferee, in
form and substance satisfactory to the Company, representing and warranting, among other things, that it is not a Non-U.S. Person,
that such transferee is a Permitted Transferee, that it is not acquiring its Ownership Interest in the Residual Certificate that is
the subject of the proposed Transfer as a nominee, trustee or agent for any Person who is not a Permitted Transferee, that for so
long as it retains its Ownership Interest in a Residual Certificate, it will endeavor to remain a Permitted Transferee, and that it
has reviewed the provisions of this Section 5.01(c) and agrees to be bound by them, and (2) a certificate, attached hereto as
Exhibit I, from the Holder wishing to transfer the Residual Certificate, in form and substance satisfactory to the Company,
representing and warranting, among other things, that no purpose of the proposed Transfer is to allow such Holder to impede the
assessment or collection of tax.

(C)      
Notwithstanding the delivery of a Transferee Affidavit and Agreement by a proposed Transferee under clause (B) above, if the
Trustee has actual knowledge that the proposed Transferee is not a Permitted Transferee, no Transfer of an Ownership Interest in a
Residual Certificate to such proposed Transferee shall be effected.

(D)       Each
Person holding or acquiring any Ownership Interest in a Residual Certificate agrees by holding or acquiring such Ownership Interest
(i) to require a Transferee Affidavit and Agreement from any other Person to whom such Person attempts to transfer its Ownership
Interest and to provide a certificate to the Trustee in the form attached hereto as Exhibit J; (ii) to obtain the express written
consent of the Company prior to any transfer of such Ownership Interest, which consent may be withheld in the Company’s sole
discretion; and (iii) to provide a certificate to the Trustee in the form attached hereto as Exhibit I.

(ii)                The
Trustee shall register the Transfer of any Residual Certificate only if it shall have received the Transferee Affidavit and
Agreement, a certificate of the Holder requesting such transfer in the form attached hereto as Exhibit J and all of such other
documents as shall have been reasonably required by the Trustee as a condition to such registration.

(iii)              
(A)       If any “disqualified organization” (as defined in Section 860E(e)(5) of the
Code) shall become a holder of a Residual Certificate, then the last preceding Permitted Transferee shall be restored, to the
extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer
of such Residual Certificate. If any Non-U.S. Person shall become a holder of a Residual Certificate, then the last preceding
holder which is a U.S. Person shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof
retroactive to the date of registration of the Transfer to such Non-U.S. Person of such Residual Certificate. If a transfer of a
Residual Certificate is disregarded pursuant to the provisions of Treasury Regulations Section 1.860E-1 or Section 1.860G-3, then
the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder
thereof retroactive to the date of registration of such Transfer of such Residual Certificate. Neither the Trust nor the Trustee
shall be under any liability to any Person for any registration of Transfer of a Residual Certificate that is in fact not permitted
by this Section 5.01(c) or for making any payments due on such Certificate to the holder thereof or for taking any other action
with respect to such holder under the provisions of this Agreement.

(B)       If any purported Transferee shall become a Holder of a Residual Certificate in
violation of the restrictions in this Section 5.01(c) and to the extent that the retroactive restoration of the rights of the
Holder of such Residual Certificate as described in clause (iii)(A) above shall be invalid, illegal or unenforceable, then the
Company shall have the right, without notice to the Holder or any prior Holder of such Residual Certificate, to sell such Residual
Certificate to a purchaser selected by the Company on such terms as the Company may choose. Such purported Transferee shall
promptly endorse and deliver each Residual Certificate in accordance with the instructions of the Company. Such purchaser may be
the Company itself or any affiliate of the Company. The proceeds of such sale, net of the commissions (which may include
commissions payable to the Company or its affiliates), expenses and taxes due, if any, shall be remitted by the Company to such
purported Transferee. The terms and conditions of any sale under this clause (iii)(B) shall be determined in the sole discretion of
the Company, and the Company shall not be liable to any Person having an Ownership Interest in a Residual Certificate as a result
of its exercise of such discretion.

(iv)              The Servicer
shall make available, upon written request from the Trustee, all information necessary to compute any tax imposed (A) as a result
of the Transfer of an Ownership Interest in a Residual Certificate to any Person who is not a Permitted Transferee, including the
information regarding “excess inclusions” of such Residual Certificates required to be provided to the Internal Revenue
Service and certain Persons as described in Treasury Regulation Section 1.860D-1(b)(5), and (B) as a result of any regulated
investment company, real estate investment trust, common trust fund, partnership, trust, estate or organizations described in
Section 1381 of the Code having as among its record holders at any time any Person who is not a Permitted Transferee. Reasonable
compensation for providing such information may be required by the Servicer from such Person.

(v)                The
provisions of this Section 5.01 set forth prior to this Section (v) may be modified, added to or eliminated by the Company, the
Servicer and the Trustee, provided that there shall have been delivered to the Trustee the following:

(A)       written notification from each of the Rating Agencies to the effect that the
modification, addition to or elimination of such provisions will not cause such Rating Agency to downgrade its then-current Ratings
of the Certificates; and

(B)       an Opinion of Counsel, in form and substance satisfactory to the Company (as
evidenced by a certificate of the Company), to the effect that such modification, addition to or absence of such provisions will
not cause REMIC I and REMIC II to cease to qualify as a REMIC and will not create a risk that (1) REMIC I and REMIC II may be
subject to an entity-level tax caused by the Transfer of any Residual Certificate to a Person which is not a Permitted Transferee
or (2) a Certificateholder or another Person will be subject to a REMIC-related tax caused by the Transfer of a Residual
Certificate to a Person which is not a Permitted Transferee.

(vi)              The following legend shall
appear on all Residual Certificates:

ANY RESALE, TRANSFER OR OTHER
DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE COMPANY AND THE
TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT EITHER (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN
GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (B) ANY ORGANIZATION (OTHER
THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH
ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (C) ANY ORGANIZATION DESCRIBED IN SECTION 1381(a)(2)(C) OF
THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B), OR (C) BEING HEREINAFTER REFERRED TO AS A
“DISQUALIFIED ORGANIZATION”), OR (D) AN AGENT OF A DISQUALIFIED ORGANIZATION AND (2) NO PURPOSE OF SUCH TRANSFER IS TO
ENABLE THE TRANSFEROR TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX. SUCH AFFIDAVIT SHALL INCLUDE CERTAIN REPRESENTATIONS AS TO THE
FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OF ANY TRANSFER, SALE
OR OTHER DISPOSITION OF THIS CLASS R CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH
REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A
CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH
HOLDER OF THE CLASS R CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS
PARAGRAPH.

(vii)             The Tax Matters
Person for each of REMIC I and REMIC II, while not a Disqualified Organization, shall be the tax matters person for the related
REMIC within the meaning of Section 6231(a)(7) of the Code and Treasury Regulation Section 1.860F-4(d).

(d)        In the case of any
Junior Subordinate Certificate presented for registration in the name of any Person, the Trustee shall require (i) an
officer’s certificate substantially in the form of Exhibit N attached hereto acceptable to and in form and substance
satisfactory to the Trustee and the Company, which officer’s certificate shall not be an expense of the Trust, the Trustee,
the Delaware Trustee, the Servicer or the Company, and (ii) only if such officer’s certificate indicates that a Benefit Plan
Opinion is delivered in connection therewith, a Benefit Plan Opinion.

In the case of any Residual Certificate presented for registration in
the name of any Person, the Trustee shall require (i) a Transferee Affidavit and Agreement which includes the representation set
forth in paragraph 19 of the form attached hereto as Exhibit J and (ii) only if the representation set forth in such paragraph 19
indicates that a Benefit Plan Opinion is delivered in connection therewith, a Benefit Plan Opinion.

(e)        No transfer, sale,
pledge or other disposition of a Junior Subordinate Certificate shall be made unless such transfer, sale, pledge or other
disposition is made in accordance with this Section 5.01(e) or Section 5.01(f).  Each Person who, at any time, acquires any
ownership interest in any Junior Subordinate Certificate shall be deemed by the acceptance or acquisition of such ownership
interest to have agreed to be bound by the following provisions of this Section 5.01(e) and Section 5.01(f), as applicable. No
transfer of a Junior Subordinate Certificate shall be deemed to be made in accordance with this Section 5.01(e) unless such
transfer is made pursuant to an effective registration statement under the Securities Act or unless the Trustee is provided with
the certificates and an Opinion of Counsel, if required, on which the Trustee may conclusively rely, to the effect that such
transfer is exempt from the registration requirements under the Securities Act, as follows.  In the event that a transfer is
to be made in reliance upon an exemption from the Securities Act, the Trustee shall require, in order to assure compliance with the
Securities Act, that the Certificateholder desiring to effect such transfer certify to the Trustee and the Trust in writing, in
substantially the form attached hereto as Exhibit F, the facts surrounding the transfer, with such modifications to such Exhibit F
as may be appropriate to reflect the actual facts of the proposed transfer, and that the Certificateholder’s proposed
transferee certify to the Trustee and the Trust in writing, in substantially the form attached hereto as Exhibit G, the facts
surrounding the transfer, with such modifications to such Exhibit G as may be appropriate to reflect the actual facts of the
proposed transfer. If such certificate of the proposed transferee does not contain substantially the substance of Exhibit G, the
Trustee shall require an Opinion of Counsel that such transfer may be made without registration, which Opinion of Counsel shall not
be obtained at the expense of the Trustee, the Delaware Trustee, the Trust, the Servicer or the Company. Such Opinion of Counsel
shall allow for the forwarding of, and the Trustee shall forward, a copy thereof to the Rating Agencies. Notwithstanding the
foregoing, any Junior Subordinate Certificate may be transferred, sold, pledged or otherwise disposed of in accordance with the
requirements set forth in Section 5.01(f).

(f)         To effectuate a
transfer of a Junior Subordinate Certificate in accordance with this Section 5.01(f), the proposed transferee of such Certificate
must provide the Trustee and the Company with an investment letter substantially in the form of Exhibit L attached hereto, which
investment letter shall not be an expense of the Trust, the Trustee, the Delaware Trustee or the Company, and which investment
letter states that, among other things, such transferee (i) is a “qualified institutional buyer” as defined under Rule
144A, acting for its own account or the accounts of other “qualified institutional buyers” as defined under Rule 144A,
and (ii) is aware that the proposed transferor intends to rely on the exemption from registration requirements under the Securities
Act provided by Rule 144A. Notwithstanding the foregoing, the proposed transferee of such Certificate shall not be required to
provide the Trustee or the Company with Annex 1 or Annex 2 to the form of Exhibit L attached hereto if the Company so consents
prior to each such transfer. Such transfers shall be deemed to have complied with the requirements of this Section 5.01(f). The
Holder of a Certificate desiring to effect such transfer does hereby agree to indemnify the Trust, the Trustee, the Delaware
Trustee, the Servicer, the Company, and the Certificate Registrar against any liability that may result if transfer is not made in
accordance with this Agreement.

(g)       
(1)        In the case of any ERISA Restricted Certificate presented for registration in the
name of any Person, the prospective transferee shall be required to provide the Trustee and the Company (A) an officer’s
certificate substantially in the form of Exhibit O attached hereto acceptable to and in form and substance satisfactory to the
Trustee and the Company, which officer’s certificate shall not be an expense of the Trust, the Servicer, the Trustee, the
Delaware Trustee or the Company, and (B) only if such officer’s certificate indicates that a Benefit Plan Opinion is
delivered in connection therewith, a Benefit Plan Opinion.

(2)       
Notwithstanding the foregoing, a certification (and, if applicable, a Benefit Plan Opinion) as described in Section 5.01(g)(1)
above will not be required with respect to the transfer of any ERISA Restricted Certificate to a Clearing Agency, or for any
subsequent transfer of any interest in a ERISA Restricted Certificate for so long as such Certificate is a Book-Entry Certificate
(each such ERISA Restricted Certificate, a “Book-Entry ERISA Restricted Certificate”).  Any transferee of a
Book-Entry ERISA Restricted Certificate will be deemed to have represented, by virtue of its acquisition or holding of such
Certificate (or interest therein), that either (i) such transferee is not an employee benefit or other plan subject to the
prohibited transaction provisions of ERISA or Section 4975 of the Code, or any person (including an investment manager, a named
fiduciary or a trustee of any such plan) acting, directly or indirectly, on behalf of or purchasing such Certificate with
“plan assets” of any such plan (a “Plan Investor”), (ii) such transferee is an insurance company,
the source of funds to be used by it to acquire or hold such Certificate is an “insurance company general account”
(within the meaning of Department of Labor Prohibited Transaction Class Exemption (“PTCE”) 95-60), and the
conditions in Sections I and III of PTCE 95-60 have been satisfied (each entity that satisfies this clause (ii), a
“Complying Insurance Company”) or (iii) such Certificate was rated “BBB-” or better (or its
equivalent) by at least one of the Rating Agencies at the time of such transferee’s acquisition of such Certificate (or
interest therein).

(3)       
If any Book-Entry ERISA Restricted Certificate (or any interest therein) is acquired or held in violation of the provisions of
Section 5.01(g)(2) above, then the last preceding transferee that either (i) is not a Plan Investor, (ii) is a Complying Insurance
Company or (iii) acquired such Certificate at a time when such Certificate was rated “BBB-” or better (or its
equivalent) by at least one of the Rating Agencies shall be restored, to the extent permitted by law, to all rights and obligations
as Beneficial Holder thereof retroactive to the date of transfer of such Certificate by such preceding transferee.  Neither
the Trust nor the Trustee shall be under any liability to any Person for making any payments due on such Certificate to such
preceding transferee.

(4)       
Any purported Beneficial Holder whose acquisition or holding of any Book-Entry ERISA Restricted Certificate (or interest therein)
was effected in violation of the restrictions in this Section 5.01(g) shall indemnify and hold harmless the Company, the Trustee,
the Delaware Trustee, the Servicer, the Trust and each Underwriter from and against any and all liabilities, claims, costs or
expenses incurred by such parties as a result of such acquisition or holding.

Section 5.02.        Certificates Issuable in Classes; Distributions of Principal and Interest; Authorized Denominations. The
aggregate principal amount of the Certificates that may be authenticated and delivered under this Agreement is limited to the
aggregate Principal Balance of the Mortgage Loans as of the Cut-Off Date, as specified in the Preliminary Statement to this
Agreement, except for Certificates authenticated and delivered upon registration of transfer of, or in exchange for, or in lieu of,
other Certificates pursuant to Section 5.03. Such aggregate principal amount shall be allocated among one or more Classes having
designations, types of interests, initial per annum Certificate Interest Rates, initial Class Principal Balances and Final Maturity
Dates as specified in the Preliminary Statement to this Agreement. The aggregate Percentage Interest of each Class of Certificates
of which the Class Principal Balance equals zero as of the Cut-Off Date that may be authenticated and delivered under this
Agreement is limited to 100%. Certificates shall be issued in Authorized Denominations.

Section 5.03.        Registration of Transfer and Exchange of Certificates. The Trustee on behalf of the Trust shall cause to be
maintained at one of its offices or at its designated agent, a Certificate Register in which there shall be recorded the name and
address of each Certificateholder. Subject to such reasonable rules and regulations as the Trustee may prescribe, the Certificate
Register shall be amended from time to time by the Trustee or its agent to reflect notice of any changes received by the Trustee or
its agent pursuant to Section 10.06. The Trustee hereby appoints itself as the initial Certificate Registrar.

Upon surrender for registration of transfer of any Certificate to the
Trustee at DB Services Tennessee, Inc., 648 Grassmere Park Road, Nashville, TN 37211, Attention: Transfer Department, or such other
address or agency as may hereafter be provided to the Servicer in writing by the Trustee, the Trustee on behalf of the Trust shall
execute, and the Trustee or any Authenticating Agent shall authenticate and deliver, in the name of the designated transferee or
transferees, one or more new Certificates of Authorized Denominations. At the option of the Certificateholders, Certificates may be
exchanged for other Certificates in Authorized Denominations of like Certificate Principal Balance or Percentage Interest, as
applicable, upon surrender of the Certificates to be exchanged at any such office or agency. Whenever any Certificates are so
surrendered for exchange, the Trustee on behalf of the Trust shall execute, and the Trustee, or any Authenticating Agent, shall
authenticate and deliver, the Certificates which the Certificateholder making the exchange is entitled to receive. Every
Certificate presented or surrendered for transfer shall be duly endorsed by, or be accompanied by a written instrument of transfer
in form satisfactory to the Trustee or any Authenticating Agent and duly executed by, the Holder thereof or such Holder’s
attorney duly authorized in writing.

A reasonable service charge may be made for any such exchange or
transfer of Certificates, and the Trustee may require payment of a sum sufficient to cover any tax or governmental charge that may
be imposed in connection with any exchange or transfer of Certificates.

All Certificates surrendered for exchange or transfer shall be
cancelled by the Trustee or any Authenticating Agent.

Section 5.04.        Mutilated, Destroyed, Lost or Stolen Certificates. If (i) any mutilated Certificate is surrendered to the
Trustee or any Authenticating Agent, or (ii) the Trustee or any Authenticating Agent receives evidence to their satisfaction of the
destruction, loss or theft of any Certificate, and there is delivered to the Trustee or any Authenticating Agent such security or
indemnity as may be required by them to save each of them and the Trust harmless, then, in the absence of notice to the Trustee or
any Authenticating Agent that such Certificate has been acquired by a protected purchaser, the Trustee on behalf of the Trust shall
execute and the Trustee or any Authenticating Agent shall authenticate and deliver, in exchange for or in lieu of any such
mutilated, destroyed, lost or stolen Certificate, a new Certificate of like Certificate Principal Balance or Percentage Interest as
applicable. Upon the issuance of any new Certificate under this Section 5.04, the Trustee or any Authenticating Agent may require
the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other
expenses (including the fees and expenses of the Trustee or any Authenticating Agent) connected therewith. Any replacement
Certificate issued pursuant to this Section 5.04 shall constitute complete and indefeasible evidence of a beneficial interest in
the Trust as if originally issued, whether or not the lost or stolen Certificate shall be found at any time.

Section 5.05.        Persons Deemed Owners. The Company, the Servicer, the Trust, the Trustee, the Delaware Trustee and any agent
of any of them may treat the Person in whose name any Certificate is registered as the owner of such Certificate for the purpose of
receiving distributions pursuant to Section 4.01 and Section 4.04 and for all other purposes whatsoever, and none of the Company,
the Servicer, the Trust, the Trustee, the Delaware Trustee, the Certificate Registrar or any agent thereof shall be affected by
notice to the contrary.

Section 5.06.        [Reserved.] 

Section 5.07.        Book-Entry for Book-Entry Certificates. Notwithstanding the foregoing, the Book-Entry Certificates, upon
original issuance, shall be issued in the form of one or more word-processed Certificates of Authorized Denomination representing
the Book-Entry Certificates, to be delivered to DTC, the initial Clearing Agency, by, or on behalf of, the Company. The Book-Entry
Certificates shall initially be registered on the Certificate Register in the name of Cede & Co., the nominee of DTC, as the
initial Clearing Agency, and no Beneficial Holder shall receive a definitive certificate representing such Beneficial
Holder’s interest in any Class of Book-Entry Certificate, except as provided above and in Section 5.09. Each Book-Entry
Certificate shall bear the following legend:

Unless this Certificate is presented by an authorized representative of The Depository Trust Company, a
New York corporation (“DTC”), to the Trust or its agent for registration of transfer, exchange, or payment, and
any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by an authorized
representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an authorized
representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL inasmuch as
the registered owner hereof, Cede & Co., has an interest herein.

Unless and until definitive, fully registered Book-Entry
Certificates (the “Definitive Certificates”) have been issued to the Beneficial Holders pursuant to Section
5.09:

(a)       
the provisions of this Section 5.07 shall be in full force and effect with respect to the Book-Entry Certificates;

(b)       
the Servicer and the Trustee may deal with the Clearing Agency for all purposes with respect to the Book-Entry Certificates
(including the making of distributions on the Book-Entry Certificates) as the sole Certificateholder;

(c)       
to the extent that the provisions of this Section 5.07 conflict with any other provisions of this Agreement, the provisions of this
Section 5.07 shall control; and

(d)       
the rights of the Beneficial Holders shall be exercised only through the Clearing Agency and the DTC Participants and shall be
limited to those established by law and agreements between such Beneficial Holders and the Clearing Agency and/or the DTC
Participants. Pursuant to the Depositary Agreement, unless and until Definitive Certificates are issued pursuant to Section 5.09,
the initial Clearing Agency will make book-entry transfers among the DTC Participants and receive and transmit distributions of
principal and interest on the related Class of Book-Entry Certificates to such DTC Participants.

For purposes of any provision of this Agreement requiring or
permitting actions with the consent of, or at the direction of, Holders of Book-Entry Certificates evidencing a specified
Percentage Interest, such direction or consent may be given by the Clearing Agency at the direction of Beneficial Holders owning
Book-Entry Certificates evidencing the requisite Percentage Interest represented by the Book-Entry Certificates. The Clearing
Agency may take conflicting actions with respect to the Book-Entry Certificates to the extent that such actions are taken on behalf
of the Beneficial Holders.

Section 5.08.        Notices to Clearing Agency. Whenever notice or other communication to the Certificateholders is required
under this Agreement, unless and until Definitive Certificates shall have been issued to the related Certificateholders pursuant to
Section 5.09, the Trustee shall give all such notices and communications specified herein to be given to Holders of the Book-Entry
Certificates to the Clearing Agency which shall give such notices and communications to the related DTC Participants in accordance
with its applicable rules, regulations and procedures.

Section 5.09.        Definitive Certificates. If (a) the Clearing Agency or the Servicer notifies the Trustee in writing that the
Clearing Agency is no longer willing or able to discharge properly its responsibilities under the Depositary Agreement with respect
to the Book-Entry Certificates and the Trustee or the Servicer is unable to locate a qualified successor, (b) the Servicer, to the
extent permitted by law, advises the Trustee in writing that it elects to terminate the book-entry system with respect to the
Book-Entry Certificates through the Clearing Agency or (c) after the occurrence of an Event of Default, Certificateholders holding
Book-Entry Certificates evidencing Percentage Interests aggregating not less than 662⁄3% of the aggregate Class Principal
Balance of such Certificates advise the Trustee and the Clearing Agency through DTC Participants in writing that the continuation
of a book-entry system with respect to the Book-Entry Certificates through the Clearing Agency is no longer in the best interests
of the Certificateholders with respect to such Certificates, the Trustee shall notify all Certificateholders of Book-Entry
Certificates of the occurrence of any such event and of the availability of Definitive Certificates. Upon surrender to the Trustee
of the Book-Entry Certificates by the Clearing Agency, accompanied by registration instructions from the Clearing Agency for
registration, the Trustee on behalf of the Trust shall execute and the Trustee or any Authenticating Agent shall authenticate and
deliver the Definitive Certificates. Neither the Company, the Servicer, the Trust nor the Trustee shall be liable for any delay in
delivery of such instructions and may conclusively rely on, and shall be protected in relying on, such instructions. Upon the
issuance of Definitive Certificates for all of the Certificates all references herein to obligations imposed upon or to be
performed by the Clearing Agency shall be deemed to be imposed upon and performed by the Trustee, to the extent applicable with
respect to such Definitive Certificates, and the Trustee shall recognize the Holders of Definitive Certificates as
Certificateholders hereunder.

Section 5.10.        Office for Transfer of Certificates. The Trustee on behalf of the Trust shall maintain an office or agency
where Certificates may be surrendered for registration of transfer or exchange. The office of the Trustee’s agent at DB
Services Tennessee, 648 Grassmere Park Road, Nashville, TN 37211-3658, Attn: Transfer Unit, is initially designated for said
purposes.

Section 5.11.        Nature of Certificates. The Certificates shall be personal property giving only the rights specifically set
forth therein and in this Agreement.  The Certificates shall have no preemptive or similar rights and when issued and
delivered to the Holders against payment of the purchase price therefor will be fully paid and nonassessable by the Trust. 
The Holders of the Certificates, in their capacities as such, shall be entitled to the same limitation of personal liability
extended to stockholders of private corporations for profit organized under the General Corporation Law of the State of Delaware.
THE RECEIPT AND ACCEPTANCE OF A CERTIFICATE OR ANY INTEREST THEREIN BY OR ON BEHALF OF A HOLDER OR ANY BENEFICIAL OWNER, WITHOUT
ANY SIGNATURE OR FURTHER MANIFESTATION OF ASSENT, SHALL CONSTITUTE THE UNCONDITIONAL ACCEPTANCE BY THE HOLDER AND ALL OTHERS HAVING
A BENEFICIAL INTEREST IN SUCH CERTIFICATE OF ALL THE TERMS AND PROVISIONS OF THIS AGREEMENT, AND SHALL CONSTITUTE THE AGREEMENT OF
THE TRUST, SUCH HOLDER AND SUCH OTHERS THAT THE TERMS AND PROVISIONS OF THIS AGREEMENT SHALL BE BINDING, OPERATIVE AND EFFECTIVE AS
BETWEEN THE TRUST AND SUCH HOLDER AND SUCH OTHERS.

ARTICLE VI

The Company and the Servicer

Section 6.01.        Liability of the Company and the Servicer. Each of the Company and the Servicer shall be liable in accordance
herewith only to the extent of the obligations specifically imposed upon and undertaken by the Company or the Servicer, as
applicable, herein.

Section 6.02.        Merger or Consolidation of the Company or the Servicer. Any Corporation into which either the Company or the
Servicer may be merged or consolidated, or any Corporation resulting from any merger, conversion or consolidation to which either
the Company or the Servicer shall be a party, or any Corporation succeeding to the business of either the Company or the Servicer,
shall be the successor of the Company or the Servicer, as applicable, hereunder, without the execution or filing of any paper or
any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding.

Section 6.03.        Limitation on Liability of the Company, the Servicer and Others. Neither the Company nor the Servicer nor any
of the directors, officers, employees or agents of the Company or the Servicer shall be under any liability to the Trust, the
Holders of the REMIC I Regular Interests or the Certificateholders for any action taken by such Person or for such Person’s
refraining from the taking of any action in good faith pursuant to this Agreement, or for errors in judgment; provided,
however, that this provision shall not protect the Company, the Servicer or any such Person against any liability which would
otherwise be imposed by reason of willful misfeasance, bad faith or gross negligence in the performance of duties or by reason of
reckless disregard of duties and obligations hereunder. Each of the Company, the Servicer and any director, officer, employee or
agent of the Company or the Servicer, as applicable, may rely in good faith on any document of any kind properly executed and
submitted by any Person respecting any matters arising hereunder. Each of the Company, the Servicer and any director, officer,
employee or agent of the Company or the Servicer, as applicable, shall be indemnified by the Trust and held harmless against any
loss, liability or expense incurred in connection with any legal action relating to this Agreement or the Certificates, other than
any loss, liability or expense relating to any Mortgage Loan (other than as otherwise permitted in this Agreement) or incurred by
reason of willful misfeasance, bad faith or gross negligence in the performance of duties hereunder or by reason of reckless
disregard of obligations and duties hereunder. Neither the Company nor the Servicer shall be under any obligation to appear in,
prosecute or defend any legal action which is not incidental to its duties related to the Mortgage Loans in accordance with this
Agreement and which in its opinion may involve it in any expense or liability; provided, however, that each of the Company
and the Servicer may in its discretion undertake any such action which it may deem necessary or desirable with respect to the
Mortgage Loans, this Agreement, the Certificates or the rights and duties of the parties hereto and the interests of the
Certificateholders hereunder. In such event, the legal expenses and costs of such action and any liability resulting therefrom
shall be expenses, costs and liabilities of the Trust and the Company and the Servicer shall be entitled to be reimbursed, as
applicable, therefor out of the Certificate Account, as provided by Section 3.05.

Section 6.04.        Neither the Company nor the Servicer May Resign. Neither the Company nor the Servicer shall resign from its
respective obligations and duties hereby imposed on it, as applicable, except upon determination by the Company or the Servicer
that its respective duties hereunder are no longer permissible under applicable law.  Any such determination permitting the
resignation of the Company or the Servicer shall be evidenced by an Opinion of Counsel to such effect delivered to the Trustee. No
such resignation shall become effective until the Trustee or a successor Servicer shall have assumed the Servicer’s
responsibilities and obligations in accordance with Section 7.02 hereof.

The Servicer shall give prompt written notice to the Company of any
information received by the Servicer which affects or relates to an ongoing obligation or right of the Company under this
Agreement.

Section 6.05.        Trustee Access. The Servicer shall afford the Company and the Trustee, upon
reasonable notice, during normal business hours access to all records maintained by the Servicer, in respect of the Mortgage Loans
and in respect of its rights and obligations hereunder and access to such of its officers as are responsible for such
obligations.  Upon reasonable request, the Servicer, shall furnish the Company and the Trustee with its most recent financial
statements (or, for so long as Washington Mutual Bank is the Servicer, the most recent consolidated financial statements for
Washington Mutual Bank appearing in the audited financial statements of Washington Mutual, Inc., or the entity with whose financial
statements the financial statements of Washington Mutual Bank are consolidated) and such other information as it possesses, and
which it is not prohibited by law or, to the extent applicable, binding obligations to third parties with respect to
confidentiality, from disclosing, regarding its business, affairs, property and condition, financial or otherwise.

ARTICLE VII

Default

Section 7.01.        Events of Default. (a) In case one or more of the following Events of Default by the Servicer shall occur and
be continuing, that is to say:

(i)                  Any
failure by the Servicer to deposit into the Certificate Account any payment required to be deposited therein by the Servicer under
the terms of this Agreement which continues unremedied for a period of five Business Days after the date upon which written notice
of such failure, requiring the same to be remedied, shall have been given to the Servicer by the Trustee or to the Servicer and the
Trustee by the Holders of Certificates evidencing Percentage Interests aggregating not less than 25% of REMIC II; or

(ii)               
Failure on the part of the Servicer duly to observe or perform in any material respect any other of the covenants or agreements on
the part of the Servicer contained in the Certificates or in this Agreement which continues unremedied for a period of 60 days
after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Servicer by
the Trustee, or to the Servicer and the Trustee by the Holders of Certificates evidencing Percentage Interests aggregating not less
than 25% of REMIC II; or

(iii)               A decree
or order of a court or agency or supervisory authority having jurisdiction in the premises for the appointment of a trustee,
conservator, receiver or liquidator in any bankruptcy, insolvency, readjustment of debt, marshalling of assets and liabilities or
similar proceedings, or for the winding‐up or liquidation of its affairs, shall have been entered against the Servicer and
such decree or order shall have remained in force undischarged or unstayed for a period of 60 days; or

(iv)              The Servicer
shall consent to the appointment of a trustee, conservator, receiver or liquidator in any bankruptcy, insolvency, readjustment of
debt, marshalling of assets and liabilities or similar proceedings of or relating to the Servicer or of or relating to all or
substantially all of its property; or

(v)                The
Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of
any applicable bankruptcy, insolvency or reorganization statute, make an assignment for the benefit of its creditors, or
voluntarily suspend payment of its obligations; or

(vi)              Any failure of
the Servicer to make any Monthly P&I Advance (other than a Nonrecoverable Advance) which continues unremedied at the opening of
business on the Distribution Date in respect of which such Monthly P&I Advance was to have been made;

then, and in each and every such case, so long as an Event of
Default shall not have been remedied, either the Trustee or the Holders of Certificates evidencing Percentage Interests aggregating
not less than 25% of REMIC II, by notice in writing to the Company and the Servicer (and to the Trustee if given by the
Certificateholders, in which case such notice shall set forth evidence reasonably satisfactory to the Trustee that such Event of
Default has occurred and shall not have been remedied) may terminate all of the rights (other than its right to reimbursement for
advances) and obligations of the Servicer, including its right to the Servicing Fee, under this Agreement. Such determination shall
be final and binding. On or after the receipt by the Servicer of such written notice, all authority and power of the Servicer under
this Agreement, whether with respect to the Certificates or the Mortgage Loans or otherwise, shall pass to and be vested in the
Trustee pursuant to and under this Section 7.01; and, without limitation, the Trustee is hereby authorized and empowered to execute
and deliver, on behalf of the Servicer, as attorney‐in‐fact or otherwise, any and all documents and other instruments,
and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination,
whether to complete the transfer and endorsement or assignment of the Mortgage Loans and related documents, or otherwise. The
Servicer agrees to cooperate with the Trustee in effecting the termination of the Servicer's responsibilities and rights hereunder,
including, without limitation, the transfer to the Trustee for administration by it of all cash amounts which shall at the time be
credited by the Servicer to the Certificate Account or thereafter be received with respect to the Mortgage Loans.

Notwithstanding the foregoing, if an Event of Default described in
clause (vi) of this Section 7.01(a) shall occur, the Trustee shall, by notice in writing to the Servicer, which may be delivered by
telecopy, immediately suspend all of the rights and obligations of the Servicer thereafter arising under this Agreement, but
without prejudice to any rights it may have as a Certificateholder or to reimbursement of advances, and the Trustee shall act as
provided in Section 7.02 to carry out the duties of the Servicer, including the obligation to make any Monthly P&I Advance the
nonpayment of which was an Event of Default described in clause (vi) of this Section 7.01(a). Any such action taken by the
Trustee must be prior to the distribution on the relevant Distribution Date. If the Servicer shall within two Business Days
following such suspension remit to the Trustee the amount of any Monthly P&I Advance the nonpayment of which by the Servicer
was an Event of Default described in clause (vi) of this Section 7.01(a), the Trustee, subject to the last sentence of
this paragraph, shall permit the Servicer to resume its rights and obligations as Servicer hereunder. The Servicer agrees that it
will reimburse the Trustee for actual, necessary and reasonable costs incurred by the Trustee because of action taken pursuant to
clause (vi) of this Section 7.01(a). The Servicer agrees that if an Event of Default as described in clause (vi) of this Section
7.01(a) shall occur more than two times in any twelve month period, the Trustee shall be under no obligation to permit the Servicer
to resume its rights and obligations as Servicer hereunder.

(b)        In case one or more of
the following Events of Default by the Company shall occur and be continuing, that is to say:

(i)                  Failure
on the part of the Company duly to observe or perform in any material respect any of the covenants or agreements on the part of the
Company contained in the Certificates or in this Agreement which continues unremedied for a period of 60 days after the date on
which written notice of such failure, requiring the same to be remedied, shall have been given to the Company by the Trustee, or to
the Company and the Trustee by the Holders of Certificates evidencing Percentage Interests aggregating not less than 25% of REMIC
II; or

(ii)                A
decree or order of a court or agency or supervisory authority having jurisdiction in the premises for the appointment of a trustee,
conservator, receiver or liquidator in any bankruptcy, insolvency, readjustment of debt, marshalling of assets and liabilities or
similar proceedings, or for the winding‐up or liquidation of its affairs, shall have been entered against the Company and
such decree or order shall have remained in force undischarged or unstayed for a period of 60 days; or

(iii)               The
Company shall consent to the appointment of a trustee, conservator, receiver or liquidator in any bankruptcy, insolvency,
readjustment of debt, marshalling of assets and liabilities or similar proceedings of or relating to the Company or of or relating
to all or substantially all of its property; or

(iv)              The Company
shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of any
applicable bankruptcy, insolvency or reorganization statute, make an assignment for the benefit of creditors, or voluntarily
suspend payment of its obligations;

then, and in each and every such case, so long as such Event of
Default shall not have been remedied, the Holders of Certificates evidencing Percentage Interests aggregating not less than 25% of
REMIC II, by notice in writing to the Company and the Trustee, may direct the Trustee in accordance with Section 10.03 to institute
an action, suit or proceeding in its own name as Trustee hereunder to enforce the Company's obligations hereunder.

(c)        In any circumstances in
which this Agreement states that Certificateholders owning Certificates evidencing a certain Percentage Interest in REMIC II may
take certain action, such action shall be taken by the Trustee, but only if the requisite percentage of Certificateholders required
under this Agreement for taking like action or giving like instruction to the Trustee under this Agreement shall have so directed
the Trustee in writing.

Section 7.02.        Trustee to Act; Appointment of Successor.

(a)        On and after the date on
which the Servicer receives a notice of termination pursuant to Section 7.01 or the Servicer resigns pursuant to Section 6.04, the
Trustee shall be the successor in all respects to the Servicer under this Agreement with respect to the Mortgage Loans in the
Mortgage Pool and with respect to the transactions set forth or provided for herein and shall have all the rights and powers and be
subject to all the responsibilities, duties and liabilities relating thereto arising on or after such date of termination or
resignation placed on the Servicer by the terms and provisions hereof and thereof, and shall have the same limitations on liability
herein granted to the Servicer; provided, that the Trustee shall not under any circumstances be responsible for any
representations and warranties or any repurchase obligation of the Company or any liability incurred by the Servicer prior to such
date of termination or resignation and the Trustee shall not be obligated to make a Monthly P&I Advance if it is prohibited by
law from so doing. As compensation therefor, the Trustee shall be entitled to all compensation to which the Servicer would have
been entitled if the Servicer had continued to act hereunder. Notwithstanding the above, the Trustee may, if it shall be unwilling
to so act, or shall if it is unable to so act, appoint, or petition a court of competent jurisdiction to appoint, any established
housing and home finance institution having a net worth of not less than $10,000,000 as the successor to the Servicer hereunder in
the assumption of all or any part of the responsibilities, duties or liabilities of the Servicer hereunder. Pending any such
appointment, the Trustee is obligated to act in such capacity. In connection with such appointment and assumption, the Trustee may
make such arrangements for the compensation of such successor out of payments on Mortgage Loans as it and such successor shall
agree; provided, however, that no such compensation shall, together with the compensation to the Trustee, be in excess of
that permitted the Servicer hereunder. The Trustee and such successor shall take such actions, consistent with this Agreement, as
shall be necessary to effectuate any such succession.

(b)        In connection with any
termination or resignation of the Servicer hereunder, in the event that any of the Mortgage Loans are MERS Loans, either (i) the
successor Servicer (including the Trustee if the Trustee is acting as successor Servicer) shall represent and warrant that it is a
member of MERS in good standing and shall agree to comply in all material respects with the rules and procedures of MERS in
connection with the servicing of the MERS Loans, in which case the predecessor Servicer shall cooperate with the successor Servicer
in registering the transfer of servicing of the MERS Loans to the successor Servicer on the MERS® System in accordance with
MERS’ rules and procedures, or (ii) if the successor Servicer is not a member of MERS, the predecessor Servicer shall
cooperate with the successor Servicer in (A) de-registering the MERS Loans from the MERS® System and (B) causing MERS to
execute and deliver an assignment from MERS to the Trust of the Mortgage securing each MERS Loan in recordable form and in the form
otherwise provided under clause (X)(iii) of the definition of “Mortgage File” herein and to execute and deliver such
other notices, documents and other instruments as may be necessary or desirable to effect such de-registration and assignment. The
predecessor Servicer shall bear any and all fees of MERS and all fees and costs of preparing and recording any assignments of
Mortgages as required under this Section 7.02(b).

Section 7.03.        Notification to Certificateholders. Upon any such termination or appointment of a successor to the Servicer,
the Trustee shall give prompt written notice thereof to the Certificateholders at their respective addresses appearing in the
Certificate Register.

ARTICLE VIII

Concerning the Trustees

Section 8.01.        Duties of
Trustees.

(a)        The Trustee, prior to
the occurrence of an Event of Default and after the curing of all Events of Default which may have occurred, undertakes to perform
such duties and only such duties as are specifically set forth in this Agreement. In case an Event of Default has occurred (which
has not been cured or waived) the Trustee shall exercise such of the rights and powers vested in it by this Agreement, and use the
same degree of care and skill in its exercise as a prudent person would exercise or use under the circumstances in the conduct of
such person’s own affairs.

(b)        The Trustee, upon
receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or other instruments furnished to it
which are specifically required to be furnished to it pursuant to any provision of this Agreement, shall examine them to determine
whether they are in the form required by this Agreement; provided, however, that the Trustee shall not be responsible for the
accuracy or content of any such certificate, statement, opinion, report, or other order or instrument furnished by the Company or
Servicer to the Trustee pursuant to this Agreement.

(c)        No provision of this
Agreement shall be construed to relieve the Trustee or the Delaware Trustee from liability for its own negligent action, its own
negligent failure to act or its own willful misconduct; provided, however, that:

(i)                  Prior
to the occurrence of an Event of Default and after the curing of all such Events of Default which may have occurred, the duties and
obligations of the Trustee shall be determined solely by the express provisions of this Agreement,

(ii)               
Neither the Trustee nor the Delaware Trustee shall be liable except for the performance of such duties and obligations as are
specifically set forth in this Agreement, no implied covenants or obligations shall be read into this Agreement against the Trustee
or the Delaware Trustee, and, in the absence of bad faith on the part of the Trustee or the Delaware Trustee, such trustee may
conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein, upon any certificates
or opinions furnished to such trustee and conforming to the requirements of this Agreement; and

(iii)               Neither
the Trustee nor the Delaware Trustee shall be personally liable with respect to any action taken or omitted to be taken by it in
good faith in accordance with the direction of the Certificateholders holding Certificates which evidence Percentage Interests
aggregating not less than 25% of REMIC II relating to the time, method and place of conducting any proceeding for any remedy
available to such trustee, or relating to the exercise of any trust or power conferred upon such trustee under this
Agreement.

(d)        Within ten Business Days
after the occurrence of any Event of Default known to the Trustee, the Trustee shall transmit by mail to the Rating Agencies notice
of each Event of Default. Within 90 days after the occurrence of any Event of Default known to the Trustee, the Trustee shall
transmit by mail to all Certificateholders (with a copy to the Rating Agencies) notice of each Event of Default, unless such Event
of Default shall have been cured or waived; provided, however, the Trustee shall be protected in withholding such notice if and so
long as a Responsible Officer of the Trustee in good faith determines that the withholding of such notice is in the best interests
of the Certificateholders; and provided, further, that in the case of any Event of Default of the character specified in Section
7.01(i) or Section 7.01(ii) no such notice to Certificateholders or to the Rating Agencies shall be given until at least 30 days
after the occurrence thereof.

(e)        The immediately
following sentence shall constitute the Trustee's notice required by the U.S.A. Patriot Act.  In order to comply with its
duties under the U.S.A. Patriot Act, the Trustee shall obtain and verify certain information and documentation from the other
parties to this Agreement including, but not limited to, each such party’s name, address and other identifying
information.

Section 8.02.        Certain Matters Affecting the Trustees. Except as otherwise provided in Section 8.01:

(i)                  Each of
the Trustee and the Delaware Trustee may request and rely upon and shall be protected in acting or refraining from acting upon any
resolution, Officer’s Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report,
notice, request, consent, order, approval, bond or other paper or document believed by it to be genuine and to have been signed or
presented by the proper party or parties;

(ii)               
Each of the Trustee and the Delaware Trustee may consult with counsel and any Opinion of Counsel shall be full and complete
authorization and protection in respect of any action taken or suffered or omitted by it hereunder in good faith and in accordance
with such Opinion of Counsel;

(iii)               Neither
the Trustee nor the Delaware Trustee shall be personally liable for any action taken or omitted by it in good faith and reasonably
believed by it to be authorized or within the discretion or rights or powers conferred upon it by this Agreement;

(iv)              Prior to the
occurrence of an Event of Default hereunder and after the curing of all Events of Default which may have occurred, neither the
Trustee nor the Delaware Trustee shall be bound to make any investigation into the facts or matters stated in any resolution,
certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or document,
unless requested in writing to do so by the Holders of Certificates evidencing Percentage Interests aggregating not less than 25%
of REMIC II; provided, however, that if the payment within a reasonable time to the Trustee or the Delaware Trustee of the costs,
expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of such trustee, not
reasonably assured to such trustee by the security, if any, afforded to it by the terms of this Agreement, such trustee may require
reasonable indemnity against such expense or liability as a condition to proceeding;

(v)               
Each of the Trustee and the Delaware Trustee may execute the trust or any of the powers hereunder or perform any duties hereunder
either directly or by or through agents or attorneys selected by it with reasonable care or (as in the case of the Initial
Custodian) designated by the Servicer;

(vi)              Neither the
Trustee nor the Delaware Trustee shall be deemed to have knowledge or notice of any matter, including without limitation an Event
of Default, unless actually known by a Responsible Officer, or unless written notice thereof referencing this Agreement or the
Certificates is received at the Notice Address of such trustee;

(vii)             In no event shall the
Trustee or the Delaware Trustee be held liable for acts or omissions of the Servicer (excepting the Trustee’s own actions as
Servicer).   No provision of this Agreement shall require the Trustee or the Delaware Trustee to expend or risk its own
funds or otherwise incur any financial liability in the performance of any of its duties hereunder (except for the giving of
required notices), or in the exercise of any of its rights or powers, if it shall have reasonable grounds for believing the
repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured to it; and

(viii)           When the Trustee is acting as
Servicer pursuant to Section 7.02, and to the extent permitted under applicable law, the Trustee is hereby authorized, in making or
disposing of any investment permitted hereunder, to deal with itself (in its individual capacity) or with any one or more of its
affiliates, whether it or its affiliate is acting as an agent of the Trustee or of any third person or dealing as principal for its
own account.

Section 8.03.        Trustees Not Liable for Certificates or Mortgage Loans. The recitals contained herein (other than those
relating to the due organization, power and authority of the Trustee and the Delaware Trustee) and in the Certificates (other than
the execution of, and certificate of authentication on, the Certificates) shall not be taken as the statements of the Trustee or
the Delaware Trustee, and neither the Trustee nor the Delaware Trustee assumes any responsibility for their correctness. Neither
the Trustee nor the Delaware Trustee makes any representations as to the validity or sufficiency of this Agreement, the Mortgage
Loan Purchase Agreement or of the Certificates or any Mortgage Loan. Neither the Trustee nor the Delaware Trustee shall be
accountable for the use or application by the Company, the Servicer or the Trust, as applicable, of any of the Certificates or of
the proceeds of such Certificates, or for the use or application of any funds paid to the Servicer or the Company in respect of the
Mortgage Loans or deposited into the Custodial Accounts for P&I, any Buydown Fund Account, the Investment Account or the
Certificate Account by the Servicer or the Company.

Section 8.04.        Trustees May Own Certificates. The Trustee, the Delaware Trustee or any agent or affiliate of such trustee,
in its individual or any other capacity, may become the owner or pledgee of Certificates with the same rights it would have if it
were not trustee.

Section 8.05.        The Servicer to Pay Trustees’ Fees and Expenses. Subject to separate written agreements with the
Trustee and the Delaware Trustee, the Servicer covenants and agrees to, and the Servicer shall, pay each of the Trustee and the
Delaware Trustee from time to time, and such trustee shall be entitled to payment, for all services rendered by it in the execution
of the trust hereby created and in the exercise and performance of any of the powers and duties hereunder of such trustee. Except
as otherwise expressly provided herein, the Servicer shall pay or reimburse each of the Trustee and the Delaware Trustee upon such
trustee’s request for all reasonable expenses and disbursements incurred or made by such trustee in accordance with any of
the provisions of this Agreement and indemnify such trustee from any loss, liability or expense incurred by it hereunder (including
the reasonable compensation and the expenses and disbursements of its counsel and of all persons not regularly in its employ)
except any such expense or disbursement as may arise from its negligence or bad faith. Such obligation shall survive the
termination of this Agreement or resignation or removal of the Trustee or the Delaware Trustee. The Servicer shall, at its expense,
prepare or cause to be prepared all federal and state income tax and franchise tax and information returns relating to REMIC I or
REMIC II required to be prepared or filed by the Trustee or the Delaware Trustee and shall indemnify the Trustee and the Delaware
Trustee for any liability of such trustees arising from any error in such returns.

Section 8.06.        Eligibility Requirements for Trustees. The Trustee hereunder shall at all times be (i) an institution insured
by the FDIC, (ii) a Corporation organized and doing business under the laws of the United States of America or of any state,
authorized under such laws to exercise corporate trust powers, having a combined capital and surplus of not less than $50,000,000
and subject to supervision or examination by federal or state authority and (iii) acceptable to the Rating Agencies. If such
Corporation publishes reports of condition at least annually, pursuant to law or to the requirements of any aforementioned
supervising or examining authority, then for the purposes of this Section 8.06, the combined capital and surplus of such
Corporation shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so
published.  The Delaware Trustee hereunder shall at all times have its principal place of business in the State of Delaware
and shall satisfy the applicable requirements under the laws of the State of Delaware authorizing it to act as the Delaware trustee
of the Trust.  In case at any time the Trustee or the Delaware Trustee shall cease to be eligible in accordance with the
provisions of this Section 8.06, such trustee shall resign immediately in the manner and with the effect specified in Section
8.07.

Section 8.07.        Resignation and Removal of Trustees. Each of the Trustee and the Delaware Trustee may at any time resign and
be discharged from the trust hereby created by giving written notice thereof to the Servicer. Upon receiving such notice of
resignation, the Servicer shall promptly appoint a successor trustee by written instrument, in duplicate, one copy of which
instrument shall be delivered to the resigning trustee and one copy to the successor trustee. If no successor trustee shall have
been so appointed and shall have accepted appointment within 30 days after the giving of such notice of resignation, the resigning
trustee may petition any court of competent jurisdiction for the appointment of a successor trustee.

If at any time the Trustee or the Delaware Trustee shall cease to be
eligible in accordance with the provisions of Section 8.06 and shall fail to resign after written request therefor by the Servicer,
or if at any time the Trustee or the Delaware Trustee shall become incapable of acting, or shall be adjudged bankrupt or insolvent,
or a receiver of such trustee or of its property shall be appointed, or any public officer shall take charge or control of such
trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, then the Servicer may remove
such trustee and appoint a successor trustee by written instrument, in triplicate, copies of which instrument shall be delivered to
the trustee so removed, the trustee continuing in its capacity and the successor trustee.

The Holders of Certificates evidencing Percentage Interests
aggregating more than 50% of REMIC II may at any time remove the Trustee or the Delaware Trustee and appoint a successor trustee by
written instrument or instruments, in triplicate, signed by such Holders or their attorneys in-fact duly authorized, one complete
set of which instruments shall be delivered to the Servicer, one complete set to the Trustee so removed and one complete set to the
successor so appointed.

Any resignation or removal of the Trustee or the Delaware Trustee and
appointment of a successor trustee pursuant to any of the provisions of this Section 8.07 shall become effective upon acceptance of
appointment by the successor trustee as provided in Section 8.08. Any expenses associated with the resignation of the Trustee or
the Delaware Trustee shall be borne by such trustee, and any expenses associated with the removal of the Trustee or the Delaware
Trustee shall be borne by the Servicer.

Section 8.08.        Successor Trustee. Any successor trustee appointed as provided in Section 8.07 shall execute, acknowledge and
deliver to the Servicer and to its predecessor trustee an instrument accepting such appointment hereunder, and thereupon the
resignation or removal of the predecessor trustee shall become effective and such successor trustee, without any further act, deed
or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor hereunder, with
like effect as if originally named as Trustee or Delaware Trustee herein. The predecessor shall deliver to the successor trustee
all Mortgage Files, related documents, statements and all other property held by it hereunder, and the Servicer and the predecessor
trustee shall execute and deliver such instruments and do such other things as may reasonably be required for more fully and
certainly vesting and confirming in the successor trustee all such rights, powers, duties and obligations.

No successor trustee shall accept appointment as provided in this
Section 8.08 unless at the time of such appointment such successor trustee shall be eligible under the provisions of Section
8.06.

Upon acceptance of appointment by a successor trustee as provided in
this Section 8.08, the Servicer shall mail notice of the succession of such trustee hereunder to (i) all Certificateholders at
their addresses as shown in the Certificate Register and (ii) the Rating Agencies. If the Servicer fails to mail such notice within
ten days after acceptance of appointment by the successor trustee, the successor trustee shall cause such notice to be
mailed.

Section 8.09.        Merger or Consolidation of Trustee. Any Corporation into which the Trustee or the Delaware Trustee may be
merged or converted or with which it may be consolidated, or any Corporation resulting from any merger, conversion or consolidation
to which the Trustee or the Delaware Trustee shall be a party, or any Corporation succeeding to the corporate trust business of
such trustee, shall be the successor of such trustee hereunder, provided such resulting or successor Corporation shall be eligible
under the provisions of Section 8.06, without the execution or filing of any paper or any further act on the part of any of the
parties hereto, anything herein to the contrary notwithstanding.

Section 8.10.        Appointment of Co-Trustee or Separate Trustee. Notwithstanding any other provisions hereof, at any time, for
the purpose of meeting any legal requirements of any jurisdiction in which any part of the assets of the Trust may at the time be
located, the Servicer and the Trustee or the Delaware Trustee, as applicable, acting jointly shall have the power and shall execute
and deliver all instruments to appoint one or more Persons approved by such trustee to act as co-trustee or co-trustees, jointly
with such trustee, or separate trustee or separate trustees, of all or any part of the assets of the Trust and to vest in such
Person or Persons, in such capacity, such title to the assets of the Trust, or any part thereof, and, subject to the other
provisions of this Section 8.10, such powers, duties, obligations, rights and trusts as the Servicer and the Trustee or the
Delaware Trustee, as applicable, may consider necessary or desirable; provided, that the Trustee or the Delaware Trustee, as
applicable, shall remain liable for all of its obligations and duties under this Agreement. If the Servicer shall not have joined
in such appointment within 15 days after the receipt by it of a request so to do, or in case an Event of Default shall have
occurred and be continuing, the Trustee or the Delaware Trustee, as applicable, alone shall have the power to make such
appointment; provided, that such trustee shall remain liable for all of its obligations and duties under this Agreement. No
co-trustee or separate trustee hereunder shall be required to meet the terms of eligibility as a successor trustee under Section
8.06 hereunder and no notice to Certificateholders of the appointment of co-trustee(s) or separate trustee(s) shall be required
under Section 8.08 hereof.

In the case of any appointment of a co-trustee or separate trustee
pursuant to this Section 8.10, all rights, powers, duties and obligations conferred or imposed upon the Trustee or the Delaware
Trustee, as applicable, shall be conferred or imposed upon and exercised or performed by the Trustee or the Delaware Trustee, as
applicable, and such separate trustee or co-trustee jointly and severally, except to the extent that under any law of any
jurisdiction in which any particular act or acts are to be performed by the Trustee or the Delaware Trustee, as applicable, such
trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations
(including the holding of title to the assets of the Trust or any portion thereof in any such jurisdiction) shall be exercised and
performed by such separate trustee or co-trustee at the direction of the Trustee or the Delaware Trustee, as applicable.

Any notice, request or other writing given to the Trustee or the
Delaware Trustee shall be deemed to have been given to each of the then related separate trustee(s) and co-trustee(s), as
effectively as if given to each of them. Every instrument appointing any separate trustee(s) or co-trustee(s) shall refer to this
Agreement and the conditions of this Article VIII. Each separate trustee and co-trustee, upon its acceptance of the trusts
conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Trustee
or the Delaware Trustee, as applicable, or separately, as may be provided therein, subject to all the provisions of this Agreement,
specifically including every provision of this Agreement relating to the conduct of, affecting the liability of, or affording
protection to, the Trustee or the Delaware Trustee, as applicable. Every such instrument shall be filed with the Trustee or the
Delaware Trustee, as applicable.

Any separate trustee or co-trustee may, at any time, constitute the
Trustee or the Delaware Trustee, as applicable, its agent or attorney-in-fact, with full power and authority, to the extent not
prohibited by law, to do any lawful act under or in respect of this Agreement on its behalf and in its name. If any separate
trustee or co-trustee shall die, become incapable of acting, resign or be removed, all of its estates, properties, rights, remedies
and the trust shall vest in and be exercised by the Trustee or the Delaware Trustee, as applicable, to the extent permitted by law,
without the appointment of a new or successor trustee.

Section 8.11.        Authenticating Agents. The Trustee may appoint one or more Authenticating Agents which shall be authorized to
act on behalf of the Trustee in authenticating Certificates. Wherever reference is made in this Agreement to the authentication of
Certificates by the Trustee or the Trustee’s certificate of authentication, such reference shall be deemed to include
authentication on behalf of the Trustee by an Authenticating Agent and a certificate of authentication executed on behalf of the
Trustee by an Authenticating Agent. Each Authenticating Agent must be acceptable to the Servicer and must be a corporation, trust
company or banking association organized and doing business under the laws of the United States of America or of any state, having
a principal office and place of business in New York, New York, having a combined capital and surplus of at least $15,000,000,
authorized under such laws to do a trust business and subject to supervision or examination by federal or state authorities.

Any corporation into which any Authenticating Agent may be merged or
converted or with which it may be consolidated, or any corporation resulting from any merger, conversion or consolidation to which
any Authenticating Agent shall be a party, or any corporation succeeding to the corporate agency business of any Authenticating
Agent, shall continue to be the Authenticating Agent so long as it shall be eligible in accordance with the provisions of the first
paragraph of this Section 8.11 without the execution or filing of any paper or any further act on the part of the Trustee or the
Authenticating Agent.

Any Authenticating Agent may at any time resign by giving written
notice of resignation to the Trustee and the Servicer. The Trustee may, upon prior written approval of the Servicer, at any time
terminate the agency of any Authenticating Agent by giving written notice of termination to such Authenticating Agent and to the
Servicer. Upon receiving a notice of resignation or upon such a termination, or in case at any time any Authenticating Agent shall
cease to be eligible in accordance with the provisions of the first paragraph of this Section 8.11, the Trustee may appoint, upon
prior written approval of the Servicer, a successor Authenticating Agent, shall give written notice of such appointment to the
Servicer and shall mail notice of such appointment to all Certificateholders. Any successor Authenticating Agent upon acceptance of
its appointment hereunder shall become vested with all the rights, powers, duties and responsibilities of its predecessor
hereunder, with like effect as if originally named as Authenticating Agent. Any reasonable compensation paid to an Authenticating
Agent shall be a reimbursable expense pursuant to Section 8.05 if paid by the Trustee.

Section 8.12.        Paying Agents. The Trustee may appoint one or more Paying Agents which shall be authorized to act on behalf
of the Trustee in making withdrawals from the Certificate Account, and distributions to Certificateholders as provided in Section
4.01, Section 4.04(a) and Section 9.01(b) to the extent directed to do so by the Servicer. Wherever reference is made in this
Agreement to the withdrawal from the Certificate Account by the Trustee, such reference shall be deemed to include such a
withdrawal on behalf of the Trustee by a Paying Agent. Whenever reference is made in this Agreement to a distribution by the
Trustee or the furnishing of a statement to Certificateholders by the Trustee, such reference shall be deemed to include such a
distribution or furnishing on behalf of the Trustee by a Paying Agent. Each Paying Agent shall provide to the Trustee such
information concerning the Certificate Account as the Trustee shall request from time to time. Each Paying Agent must be reasonably
acceptable to the Servicer and must be a corporation, trust company or banking association organized and doing business under the
laws of the United States of America or of any state, having a principal office and place of business in New York, New York, having
a combined capital and surplus of at least $15,000,000, authorized under such laws to do a trust business and subject to
supervision or examination by federal or state authorities.

Any corporation into which any Paying Agent may be merged or converted
or with which it may be consolidated, or any corporation resulting from any merger, conversion or consolidation to which any Paying
Agent shall be a party, or any corporation succeeding to the corporate agency business of any Paying Agent, shall continue to be
the Paying Agent provided that such corporation after the consummation of such merger, conversion, consolidation or succession
meets the eligibility requirements of this Section 8.12.

Any Paying Agent may at any time resign by giving written notice of
resignation to the Trustee and to the Servicer; provided, that the Paying Agent has returned to the Certificate Account or
otherwise accounted, to the reasonable satisfaction of the Servicer, for all amounts it has withdrawn from the Certificate Account.
The Trustee may, upon prior written approval of the Servicer, at any time terminate the agency of any Paying Agent by giving
written notice of termination to such Paying Agent and to the Servicer. Upon receiving a notice of resignation or upon such a
termination, or in case at any time any Paying Agent shall cease to be eligible in accordance with the provisions of the first
paragraph of this Section 8.12, the Trustee may appoint, upon prior written approval of the Servicer, a successor Paying Agent,
shall give written notice of such appointment to the Servicer and shall mail notice of such appointment to all Certificateholders.
Any successor Paying Agent upon acceptance of its appointment hereunder shall become vested with all the rights, powers, duties and
responsibilities of its predecessor hereunder, with like effect as if originally named as Paying Agent. Any reasonable compensation
paid to any Paying Agent shall be a reimbursable expense pursuant to Section 8.05 if paid by the Trustee.

Section 8.13.        Duties of Delaware Trustee.

(a)        The Delaware Trustee is
appointed to serve as the trustee of the Trust in the State of Delaware for the sole purpose of satisfying the requirement of
Section 3807(a) of the Statutory Trust Statute that the Trust have at least one trustee with a principal place of business in
Delaware.  It is understood and agreed by the parties hereto that the Delaware Trustee shall have none of the duties or
liabilities of the Trustee.

(b)        The duties of the
Delaware Trustee shall be limited to (i) accepting legal process served on the Trust in the State of Delaware, (ii) the execution
of any certificates with respect to the Trust required to be filed with the Secretary of State which the Delaware Trustee is
required to execute under Section 3811 of the Statutory Trust Statute and (iii) such other duties as are set forth in this Article
VIII.  To the extent that, at law or in equity, the Delaware Trustee has duties (including fiduciary duties) and liabilities
relating thereto to the Trust or the Holders of the REMIC I Regular Interests or the Certificates, it is hereby understood and
agreed by the parties hereto that such duties and liabilities are replaced by the duties and liabilities of the Delaware Trustee
expressly set forth in this Agreement.

Section 8.14.        Amendment to Certificate of Trust. If at any time required by Section 3810 of the Statutory Trust Statute,
the Trustee, the Delaware Trustee and any other trustee of the Trust shall cause an amendment to the Certificate of Trust to be
filed with the Secretary of State in accordance with the provisions of such Section 3810.

Section 8.15.        Limitation of Liability. It is expressly understood and agreed by the parties hereto that (a) each of the
representations, undertakings and agreements herein made on the part of the Trust is made and intended not as personal
representations, undertakings and agreements by the Trustee but is made and intended for the purpose of binding only the Trust and
(b) under no circumstances shall the Trustee be personally liable for the payment of any indebtedness or expenses of the Trust or
be liable for the breach or failure of any obligation, representation, warranty or covenant made or undertaken by the Trust under
this Agreement.

Section 8.16.        Trustees Act on Behalf of Trust. Except to the extent otherwise expressly provided herein, in the performance
of its obligations under this Agreement, each of the Trustee and the Delaware Trustee shall at all times be acting on behalf of the
Trust or the Certificateholders, as applicable.

ARTICLE IX

Termination

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

(a)        The Servicer may
purchase the outstanding Mortgage Loans, all property acquired by the Trust in respect of any Mortgage Loan and all other property
included in any REMIC formed under this Agreement at the price stated in clause (i) of the second paragraph of this Section 9.01(a)
on or after the first date on which the aggregate Principal Balance of the Mortgage Loans is less than the Clean-Up Call Percentage
of the aggregate Principal Balance of the Mortgage Loans as of the Cut-Off Date; provided, however, that
the Servicer may not so purchase such outstanding Mortgage Loans and property if the price stated in such clause (i) exceeds the
fair market value, determined by the Servicer in accordance with prudent industry practices, of such
outstanding Mortgage Loans and property. If such right is exercised, the Servicer shall provide to the Trustee, the Delaware
Trustee and the Company the written certification of an officer of the Servicer (which certification shall include a statement to
the effect that all amounts required to be paid in order to exercise such right have been deposited in the Certificate Account) and
the Trustee on behalf of the Trust shall promptly execute all instruments as may be necessary to release and assign to the Servicer
the Mortgage Loans, all property acquired by the Trust in respect of any
Mortgage Loan and all other property included in any REMIC formed under this Agreement.

Except as otherwise set forth in this Article IX, including, without
limitation, the obligation of the Servicer to make payments to Certificateholders as hereafter set forth, the Trust and the
respective obligations and responsibilities of the Company, the Servicer, the Trustee and the Delaware Trustee created hereby shall
terminate in accordance with Section 3808 of the Statutory Trust Statute upon:

(i)         the Distribution Date immediately following the exercise by the Servicer
of its purchase option, set forth in to the first paragraph of this Section 9.01(a), of all Mortgage Loans, all property acquired
by the Trust in respect of any Mortgage Loan by foreclosure, deed in lieu of foreclosure or otherwise, and all other property
included in any REMIC formed under this Agreement at a price equal to the sum, reduced by unreimbursed advances (other than
advances made with respect to Mortgage Loans as to which the Servicer expects at the time of such purchase, in its sole judgment,
that foreclosure is not imminent), of

(x)        the excess of

(A)       100%
of the aggregate Principal Balance of the Mortgage Loans (other than Mortgage Loans in respect of which the related Mortgaged
Property has been acquired by the Trust by foreclosure, deed in lieu of foreclosure or otherwise) (after giving effect to the
distribution of all other principal and the allocation of Realized Losses to the Certificates on the date of such purchase), plus
accrued interest at the applicable Pass-Through Rates with respect to such Mortgage Loans through the last day of the month of such
purchase, over

(B)       the
amount of any Bankruptcy Losses incurred with respect to such Mortgage Loans as of the date of such purchase to the extent that the
Principal Balances of such Mortgage Loans have not been previously reduced by such Bankruptcy Losses, and

(y)        without duplication,

(A)       the
appraised fair market value as of the date of such purchase of all property owned by the Trust which secured a Mortgage Loan and
which has been acquired by the Trust by foreclosure, deed in lieu of foreclosure or otherwise, including related Insurance
Proceeds, and

(B)       the
appraised fair market value as of the date of such purchase of all other property included in any REMIC formed under this
Agreement, any such appraisal pursuant to clause (A) or (B) to be conducted by an appraiser mutually agreed upon by the Servicer
and the Trustee, or

(ii)        the later of the final payment or other liquidation (or any advance with
respect thereto) of the last Mortgage Loan owned by the Trust or the disposition of all property acquired upon foreclosure in
respect of any Mortgage Loan, and the payment to the Certificateholders of all amounts required to be paid to them
hereunder.

The Servicer shall not have any further right to reimbursement by the
Trust for any advance that is used to reduce the purchase price of the Mortgage Loans pursuant to the immediately preceding
sentence.

In no event shall the Trust continue beyond the expiration of 21 years
from the death of the survivor of the issue of Joseph P. Kennedy, the late ambassador of the United States to the Court of St.
James’, living on the date hereof.

In no event shall the Servicer be required to expend any amounts other
than those described in the second paragraph of this Section 9.01(a) in order to terminate the Trust or purchase the Mortgage Loans
under this Section 9.01, and in no event shall the Company, the Trustee or the Delaware Trustee be required to expend any amounts
in connection with such termination or purchase.

(b)        In the event that the
Servicer elects to exercise its purchase option as provided in Section 9.01(a), the Servicer shall provide to the Company, the
Trustee and the Delaware Trustee notice thereof not less than 40 days prior to the date of the final distribution to
Certificateholders.  Notice of such purchase, specifying the date upon which the Certificateholders may surrender their
Certificates to the Trustee for payment and cancellation, shall be given promptly by letter from the Trustee to Certificateholders
mailed not less than 30 days prior to such final distribution, specifying (i) the date upon which final payment of the Certificates
will be made upon presentation and surrender of Certificates at the office of the Certificate Registrar therein designated (the
“Termination Date”), (ii) the amount of such final payment (the “Termination Payment”) and (iii) that the
Record Date otherwise applicable to the Distribution Date upon which the Termination Date occurs is not applicable, payments being
made only upon presentation and surrender of the Certificates at the office of the Certificate Registrar therein specified. Upon
any such notice, the Certificate Account shall terminate subject to the Servicer’s obligation to hold all amounts payable to
Certificateholders in trust without interest pending such payment.

In the event that all of the Certificateholders shall not surrender
their Certificates for cancellation within six months after the Termination Date, the Servicer shall give a second written notice
to the remaining Certificateholders to surrender their Certificates for cancellation and receive the Termination Payment with
respect thereto. If within one year after the second notice all the Certificates shall not have been surrendered for cancellation,
the Servicer may take appropriate steps to contact the remaining Certificateholders concerning surrender of their Certificates, and
the cost thereof shall be paid out of the funds and other assets which remain in trust hereunder.

Upon the completion of winding up of the Trust, including the payment
or the making reasonable provision for payment of all obligations of the Trust in accordance with Section 3808(e) of the Statutory
Trust Statute, the Delaware Trustee shall prepare, the Trustee, the Delaware Trustee and any other trustee hereunder shall sign,
and the Delaware Trustee (upon the direction of the Servicer) shall file, a certificate of cancellation with the Secretary of State
in accordance with Section 3810 of the Statutory Trust Statute, at which time the Trust and this Agreement shall terminate. 
The Servicer shall act as the liquidator of the Trust and shall be responsible for taking all actions in connection with winding up
the Trust, in accordance with the requirements of this Agreement (including this Section 9.01 and Section 9.02) and applicable
law.

Section 9.02.        Additional
Termination Requirements.

(a)        In the event the
Servicer exercises its purchase option as provided in Section 9.01, REMIC I and REMIC II shall be terminated in accordance with the
following additional requirements, unless the Servicer, at its own expense, obtains for the Trustee an Opinion of Counsel to the
effect that the failure of REMIC I and REMIC II to comply with the requirements of this Section 9.02 will not (i) result in the
imposition of taxes on “prohibited transactions” of REMIC I and REMIC II as described in Section 860F of the Code, or
(ii) cause REMIC I or REMIC II to fail to qualify as a REMIC at any time that any Certificates are outstanding:

(i)                  Within
90 days prior to the final Distribution Date set forth in the notice given by the Trustee under Section 9.01, the Tax Matters
Person shall prepare the documentation required and the Tax Matters Person and the Trustee shall adopt a plan of complete
liquidation on behalf of REMIC I and REMIC II meeting the requirements of a qualified liquidation under Section 860F of the Code
and any regulations thereunder, as evidenced by an Opinion of Counsel obtained at the expense of the Servicer, on behalf of REMIC I
and REMIC II; and

(ii)                At
or after the time of adoption of such a plan of complete liquidation and at or prior to the final Distribution Date, the Servicer
on behalf of the Trust shall sell all of the assets of REMIC I and REMIC II to the Servicer for cash in the amount specified in
Section 9.01.

(b)        By its acceptance of any
Residual Certificate, the Holder thereof hereby agrees to authorize the Tax Matters Person and the Trustee to adopt such a plan of
complete liquidation and to take such other action in connection therewith as may be reasonably necessary.

Section 9.03.        Trust Irrevocable. Except as expressly provided herein, the trust created hereby is irrevocable.

ARTICLE X

Miscellaneous Provisions

Section 10.01.    Amendment.

(a)        This Agreement may be
amended from time to time by the Servicer, the Company and the Trustee, without the consent of any of the
Certificateholders:

(i)                  to cure
any ambiguity;

(ii)                to
correct or supplement any provision herein which may be defective or inconsistent with any other provisions herein;

(iii)               to comply
with any requirements imposed by the Code or any regulations thereunder;

(iv)              to correct the
description of any property at any time included in REMIC I or REMIC II, or to assure the conveyance to the Trust of any property
included in REMIC I or REMIC II;

(v)               
pursuant to Section 5.01(c)(v); and

(vi)              to add any
provision to, or amend any provision in, this Agreement, provided that such amendment or addition does not adversely affect in any
material respect the interests of any Certificateholder;

provided, however, that any such
amendment which modifies the rights or obligations of the Delaware Trustee hereunder shall require the consent of the Delaware
Trustee. No such amendment (other than one entered into pursuant to clause (iii) of the preceding sentence) shall change the powers
of the Servicer. Prior to entering into any amendment (other than one entered into pursuant to clause (iii) of the second preceding
sentence) without the consent of Certificateholders pursuant to this paragraph, the Trustee shall require an Opinion of Counsel
addressed to the Trust and the Trustee to the effect that such amendment is permitted under this Agreement and has no material
adverse effect on the interests of the Certificateholders; provided, however, that no such Opinion of Counsel shall be
required if the Company obtains a letter from each Rating Agency stating that the amendment would not result in the downgrading or
withdrawal of the respective ratings then assigned to the Certificates. Prior to entering into any amendment pursuant to clause
(iii) of the third preceding sentence without the consent of Certificateholders pursuant to this paragraph, the Trustee shall
require an Opinion of Counsel to the effect that such action is necessary or helpful to comply with the requirements imposed by the
Code or any regulations thereunder and shall not cause any REMIC formed under this Agreement to fail to qualify as such under the
Code. 

(b)        This Agreement may also
be amended from time to time by the Servicer, the Company and the Trustee with the consent of the Holders of Certificates
evidencing Percentage Interests aggregating not less than 66% of REMIC II, for the purpose of adding any provisions to, or changing
in any manner or eliminating any of the provisions of, this Agreement or of modifying in any manner the rights of the
Certificateholders; provided, however, that no such amendment shall, without the consent of the Holder of each Certificate
affected thereby (i) reduce in any manner the amount of, or delay the timing of, distributions of principal or interest required to
be made hereunder or reduce the Certificateholder’s Percentage Interest, the Certificate Interest Rate or the Termination
Payment with respect to any of the Certificates, (ii) reduce the percentage of Percentage Interests specified in this Section 10.01
which are required to amend this Agreement, (iii) create or permit the creation of any lien against any part of REMIC I or REMIC
II, or (iv) modify any provision in any way which would permit an earlier retirement of the Certificates; provided, further,
that any such amendment which modifies the rights or obligations of the Delaware Trustee hereunder shall require the consent of the
Delaware Trustee.

Promptly after the execution of any such amendment, the Trustee shall
furnish written notification of the substance of such amendment to the Delaware Trustee and each Certificateholder. Any failure to
provide such notice, or any defect therein, shall not, however, in any way impair or affect the validity of any such
amendment.

It shall not be necessary for the consent of Certificateholders under
this Section 10.01 to approve the particular form of any proposed amendment, but it shall be sufficient if such consent shall
approve the substance thereof. The manner of obtaining such consents and of evidencing the authorization of the execution thereof
by Certificateholders shall be subject to such reasonable regulations as the Trustee may prescribe.

Section 10.02.    Recordation of
Agreement. To the extent permitted by applicable law, this Agreement is subject to recordation in all appropriate
public offices for real property records in all the counties or the comparable jurisdictions in which any Mortgaged Property is
situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Company and at
its expense only if such recordation is reasonably necessary or required to effectuate the duties and powers of the Servicer under
this Agreement.

Section 10.03.    Limitation on
Rights of Certificateholders. The death or incapacity of any Certificateholder shall not operate to terminate this
Agreement or the Trust, nor entitle such Certificateholder’s legal representatives or heirs to claim an accounting or to take
any action or proceeding in any court for a partition or winding-up of the Trust, nor otherwise affect the rights, obligations and
liabilities of the parties hereto or any of them.

No Certificateholder shall have any right to vote or in any manner
otherwise to control the operation and management of the Trust or the obligations of the parties hereto (except as provided in
Section 5.09, Section 7.01, Section 8.01, Section 8.02, Section 8.07, Section 10.01 and this Section 10.03), nor shall anything
herein set forth, or contained in the terms of the Certificates, be construed so as to constitute the Certificateholders from time
to time as partners or members of an association; nor shall any Certificateholder be under any liability to any third person by
reason of any action taken by the parties to this Agreement pursuant to any provision hereof.

No Certificateholder shall have any right by virtue or by availing of
any provision of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect to
this Agreement, unless such Holder previously shall have given to the Trustee a written notice of default and of the continuance
thereof, as hereinbefore provided, and unless also the Holders of Certificates evidencing Percentage Interests aggregating not less
than 25% of REMIC II shall have made written request upon the Trustee to institute such action, suit or proceeding in its own name
as Trustee hereunder and shall have offered to the Trustee such reasonable indemnity as it may require against the costs, expenses
and liabilities to be incurred therein or thereby, and the Trustee, for 60 days after its receipt of such notice, request and offer
of indemnity, shall have neglected or refused to institute any such action, suit or proceeding. However, the Trustee is under no
obligation to exercise any of the extraordinary trusts or powers vested in it by this Agreement or to make any investigation of
matters arising hereunder or to institute, conduct or defend any litigation hereunder or in relation hereto at the request, order
or direction of any of the Certificateholders unless such Certificateholders have offered to the Trustee reasonable security or
indemnity against the costs, expenses and liabilities which may be incurred therein or thereby. It is understood and intended, and
expressly covenanted by each Certificateholder with every other Certificateholder and the Trustee, that no one or more Holders of
Certificates shall have any right in any manner whatever by virtue or by availing of any provision of this Agreement to affect,
disturb or prejudice the rights of the Holders of any other of such Certificates, or to obtain or seek to obtain priority over or
preference to any other such Holder, or to enforce any right under this Agreement, except in the manner herein provided and for the
equal, ratable and common benefit of all Certificateholders. For the protection and enforcement of the provisions of this Section
10.03, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in
equity.

Section 10.04.    Access to List of
Certificateholders. The Certificate Registrar shall furnish or cause to be furnished to the Trustee within 30 days
after receipt of a request by the Trustee in writing, a list, in such form as the Trustee may reasonably require, of the names and
addresses of the Certificateholders as of the most recent Record Date for payment of distributions to such Certificateholders.

If three or more Certificateholders (hereinafter referred to as
“applicants”) apply in writing to the Trustee, and such application states that the applicants desire to
communicate with other Certificateholders with respect to their rights under this Agreement or under the Certificates and is
accompanied by a copy of the communication which such applicants propose to transmit, then the Trustee shall, within five Business
Days after the receipt of such list from the Certificate Registrar, afford such applicants access during normal business hours to
the most recent list of Certificateholders held by the Trustee. If such a list is as of a date more than 90 days prior to the date
of receipt of such applicants’ request, the Trustee shall promptly request from the Certificate Registrar a current list as
provided above, and shall afford such applicants access to such list promptly upon receipt.

Every Certificateholder, by receiving and holding the same, agrees
with the Servicer, the Company, the Trust, the Trustee and the Delaware Trustee that none of the Servicer, the Company, the Trust,
the Trustee or the Delaware Trustee shall be held accountable by reason of the disclosure of any such information as to the names
and addresses of the Certificateholders hereunder, regardless of the source from which such information was derived.

Section 10.05.    Governing
Law. This Agreement shall be construed in accordance with the laws of the State of Delaware without giving effect to
its conflict of laws provisions and the obligations, rights and remedies of the parties hereunder shall be determined in accordance
with such laws without giving effect to conflict of laws provisions.

Section 10.06.    Notices. All demands, notices and communications hereunder shall be in writing and shall be deemed to have
been duly given if personally delivered at or mailed by registered or certified mail, return receipt requested, or overnight
courier to the applicable Notice Address. Notices to the Rating Agencies shall also be deemed to have been duly given if mailed by
first class mail, postage prepaid, to the above listed addresses of the Rating Agencies. Any notice required or permitted to be
mailed to a Certificateholder shall be given by first class mail, postage prepaid, at the address of such Holder as shown in the
Certificate Register. Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been
duly given, whether or not the Certificateholder receives such notice.

Section 10.07.    Severability of
Provisions. If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any
reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining
covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other
provisions of this Agreement or of the Certificates or the rights of the Holders thereof.

Section 10.08.    Counterpart
Signatures. For the purpose of facilitating the recordation of this Agreement as herein provided and for other
purposes, this Agreement may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed
to be an original, and such counterparts shall constitute but one and the same instrument.

Section 10.09.    Benefits of
Agreement. Nothing in this Agreement or in any Certificate, expressed or implied, shall give to any Person, other
than the parties hereto and their respective successors hereunder, any separate trustee or co-trustee appointed under Section 8.10
and the Certificateholders, any benefit or any legal or equitable right, remedy or claim under this Agreement.

Section 10.10.    Notices and
Copies to Rating Agencies.

(a)        The Trustee shall notify
the Rating Agencies of the occurrence of any of the following events, in the manner provided in Section 10.06:

(i)                  the
occurrence of an Event of Default pursuant to Section 7.01, subject to the provisions of Section 8.01(d); and

(ii)                the
appointment of a successor Servicer pursuant to Section 7.02;

(b)        The Servicer shall
notify the Rating Agencies of the occurrence of any of the following events, or in the case of clauses (iii), (iv), (v), (vii) and
(viii) promptly upon receiving notice thereof, in the manner provided in Section 10.06:

(i)                  any
amendment of this Agreement pursuant to Section 10.01;

(ii)                the
appointment of a successor Trustee or successor Delaware Trustee pursuant to Section 8.08;

(iii)               the
filing of any claim under or the cancellation or modification of any fidelity bond and errors and omissions coverage pursuant to
Section 3.01 and Section 3.06 with respect to the Servicer;

(iv)              any change in
the location of the Certificate Account, any Custodial Account for P&I or the Investment Account;

(v)                the
purchase of any Mortgage Loan by the Company pursuant to Section 2.08 or by a Seller pursuant to the Mortgage Loan Purchase
Agreement, or the purchase of the outstanding Mortgage Loans pursuant to Section 9.01;

(vi)              the occurrence
of the final Distribution Date or the termination of the Trust pursuant to Section 9.01(a)(ii);

(vii)             the failure of the
Servicer to make a Monthly P&I Advance pursuant to Section 4.02; and

(viii)           the failure of the Servicer to
make a determination by the close of business on the second Business Day prior a Distribution Date regarding whether it will make a
Monthly P&I Advance for such Distribution Date pursuant to Section 4.02.

The Servicer shall provide copies of the
statements pursuant to Section 4.02, Section 4.05, Section 3.13 or Section 3.15 or any other statements or reports to the Rating
Agencies in such time and manner that such statements or determinations are required to be provided to
Certificateholders.

 

Section 10.11.    Covenant Not to
Place Trust Into Bankruptcy. Each party hereto covenants that it shall not, until at least one year and one day
after all Certificates have been paid in full, (i) take any action to file an involuntary bankruptcy petition against the Trust, or
(ii) institute against the Trust, or join in any institution against the Trust of, any bankruptcy or insolvency proceedings under
any federal or state bankruptcy, insolvency or similar law. In addition, each Certificateholder or Beneficial Owner, by accepting
and holding a Certificate or an interest therein, agrees it shall not, until at least one year and one day after all Certificates
have been paid in full, take any action to file an involuntary bankruptcy petition against the Trust.

Section 10.12.    Covenant Not to
Place Company Into Bankruptcy. Each party hereto (other than the Company) covenants that it shall not, until at
least one year and one day after all securities issued by any trust to which the Company has transferred property have been paid in
full, take any action to file an involuntary bankruptcy petition against the Company.  In addition, each Certificateholder or
Beneficial Owner, by accepting and holding a Certificate or an interest therein, agrees it shall not, until at least one year and
one day after all securities issued by any trust to which the Company has transferred property have been paid in full, take any
action to file an involuntary bankruptcy petition against the Company.

IN WITNESS WHEREOF, the Company, the Servicer, the Trustee and the
Delaware Trustee have caused their names to be signed hereto by their respective officers, thereunto duly authorized, all as of the
date first above written.

 

 

WAMU ASSET ACCEPTANCE CORP.

By:    /s/ Thomas G. Lehmann

Name: Thomas G. Lehmann

Title: First Vice President

WASHINGTON MUTUAL BANK

By:    /s/ Barbara Loper

Name: Barbara Loper

Title: Vice President

DEUTSCHE BANK NATIONAL TRUST COMPANY,

as Trustee

By:    /s/ Barbara Campbell

Name: Barbara Campbell

Title: Vice President

By:    /s/ Barbara Campbell

Name:  Barbara Campbell

Title: Vice President

DEUTSCHE BANK TRUST COMPANY DELAWARE,

as Delaware Trustee

By:    /s/ Elizabeth B. Ferry

Name:  Elizabeth B. Ferry

Title:  Assistant Vice President

 

 

[Signature
page to Pooling and Servicing Agreement for WaMu Series 2005-AR16]

Appendix 1
Definition of Class Y Principal Reduction Amounts

 

Copies of Appendix 1 (which has been intentionally omitted
from this filing)  may be obtained from WaMu Asset Acceptance Corp. or Deutsche Bank National Trust Company by
contacting:

 

	
 

	
      in the case of WaMu
Asset Acceptance Corp.,

 

	
 

	
        John Race

         WaMu Asset Acceptance Corp.

         c/o Washington Mutual Mortgage Securities Corp.

         75 N. Fairway Drive,VHF2A01

         Vernon Hills, IL 60061

         Telephone:  (847) 549-3113

         Facsimile:     (847) 549-3680

 

	
 

	
      in the case of
Deutsche Bank National Trust Company,

 

	
 

	
        Alan Sueda

         Trust Administrator

         Deutsche Bank National Trust Company

         1761 E. St. Andrew Place

         Santa Ana, CA 92705

         Telephone:  (714) 247-6315

         Facsimile:    (714) 247-6329

 

 

	
 

	
Exhibit A

	
 

	
CUSIP 92922F 6W 3

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class 1-A1

 

Evidencing a beneficial interest in a pool of assets consisting of
beneficial interests in another pool of assets consisting of, among other things, conventional one- to four-family mortgage loans
formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended. The issue date of this Certificate is November 23, 2005.

Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation (“DTC”), to the Trust or its agent for registration of transfer,
exchange, or payment, and any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by
an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an
authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
inasmuch as the registered owner hereof, Cede & Co., has an interest herein.

 

	
Series 2005-AR16

	
Portion of the Class 1-A1 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$474,355,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class 1-A1 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class 1-A1 Principal Balance as of the Cut-Off Date:

	
$474,355,000.00

	
 

 

 

 

  

	
Cede & Co.

	
Registered Owner

  

 

	
 

	
Exhibit A

	
 

	
CUSIP 92922F 6X 1

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class 1-A2

 

Evidencing a beneficial interest in a pool of assets consisting of
beneficial interests in another pool of assets consisting of, among other things, conventional one- to four-family mortgage loans
formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended. The issue date of this Certificate is November 23, 2005.

Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation (“DTC”), to the Trust or its agent for registration of transfer,
exchange, or payment, and any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by
an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an
authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
inasmuch as the registered owner hereof, Cede & Co., has an interest herein.

 

	
Series 2005-AR16

	
Portion of the Class 1-A2 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$108,831,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class 1-A2 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class 1-A2 Principal Balance as of the Cut-Off Date:

	
$108,831,000.00

	
 

 

 

 

  

	
Cede & Co.

	
Registered Owner

  

 

	
 

	
Exhibit A

	
 

	
CUSIP 92922F 6Y 9

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class 1-A3

 

Evidencing a beneficial interest in a pool of assets consisting of
beneficial interests in another pool of assets consisting of, among other things, conventional one- to four-family mortgage loans
formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended. The issue date of this Certificate is November 23, 2005.

Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation (“DTC”), to the Trust or its agent for registration of transfer,
exchange, or payment, and any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by
an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an
authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
inasmuch as the registered owner hereof, Cede & Co., has an interest herein.

 

	
Series 2005-AR16

	
Portion of the Class 1-A3 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$121,112,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class 1-A3 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class 1-A3 Principal Balance as of the Cut-Off Date:

	
$121,112,000.00

	
 

 

 

 

  

	
Cede & Co.

	
Registered Owner

  

 

	 	
Exhibit A

	
 

	
CUSIP 92922F 6Z 6

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class 1-A4A

 

Evidencing a beneficial interest in a pool of assets consisting of
beneficial interests in another pool of assets consisting of, among other things, conventional one- to four-family mortgage loans
formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended. The issue date of this Certificate is November 23, 2005.

Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation (“DTC”), to the Trust or its agent for registration of transfer,
exchange, or payment, and any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by
an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an
authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
inasmuch as the registered owner hereof, Cede & Co., has an interest herein.

 

	
Series 2005-AR16

	
Portion of the Class 1-A4A Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$50,000,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class 1-A4A Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class 1-A4A Principal Balance as of the Cut-Off Date:

	
$50,000,000.00

	
 

 

 

	
Cede & Co.

	
Registered Owner

 

 

	 	
Exhibit A

	
 

	
CUSIP 92922F 7A 0

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class 1-A4B

 

Evidencing a beneficial interest in a pool of assets consisting of
beneficial interests in another pool of assets consisting of, among other things, conventional one- to four-family mortgage loans
formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended. The issue date of this Certificate is November 23, 2005.

Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation (“DTC”), to the Trust or its agent for registration of transfer,
exchange, or payment, and any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by
an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an
authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
inasmuch as the registered owner hereof, Cede & Co., has an interest herein.

The Class 1-A4B Certificates will provide credit support to certain
Classes of Certificates, as described in the Pooling Agreement.

 

	
Series 2005-AR16

	
Portion of the Class 1-A4B Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$3,107,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class 1-A4B Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class 1-A4B Principal Balance as of the Cut-Off Date:

	
$3,107,000.00

	
 

 

 

	
Cede & Co.

	
Registered Owner

 

 

	 	
Exhibit A

	
 

	
CUSIP 92922F 7B 8

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class 1-A5

 

Evidencing a beneficial interest in a pool of assets consisting of
beneficial interests in another pool of assets consisting of, among other things, conventional one- to four-family mortgage loans
formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended. The issue date of this Certificate is November 23, 2005.

Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation (“DTC”), to the Trust or its agent for registration of transfer,
exchange, or payment, and any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by
an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an
authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
inasmuch as the registered owner hereof, Cede & Co., has an interest herein.

The Class 1-A5 Certificates will provide credit support to certain Classes
of Certificates, as described in the Pooling Agreement.

 

	
Series 2005-AR16

	
Portion of the Class 1-A5 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$32,800,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class 1-A5 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class 1-A5 Principal Balance as of the Cut-Off Date:

	
$32,800,000.00

	
 

 

 

	
Cede & Co.

	
Registered Owner

 

	 	
Exhibit A

	
 

	
CUSIP 92922F 7C 6

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class 2-A1

 

Evidencing a beneficial interest in a pool of assets consisting of
beneficial interests in another pool of assets consisting of, among other things, conventional one- to four-family mortgage loans
formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended. The issue date of this Certificate is November 23, 2005.

Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation (“DTC”), to the Trust or its agent for registration of transfer,
exchange, or payment, and any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by
an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an
authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
inasmuch as the registered owner hereof, Cede & Co., has an interest herein.

 

	
Series 2005-AR16

	
Portion of the Class 2-A1 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$10,000,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class 2-A1 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class 2-A1 Principal Balance as of the Cut-Off Date:

	
$10,000,000.00

	
 

 

 

	
Cede & Co.

	
Registered Owner

 

	
 

	
Exhibit A

	
 

	
CUSIP 92922F 7D 4

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class 2-A2

 

Evidencing a beneficial interest in a pool of assets consisting of
beneficial interests in another pool of assets consisting of, among other things, conventional one- to four-family mortgage loans
formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended. The issue date of this Certificate is November 23, 2005.

Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation (“DTC”), to the Trust or its agent for registration of transfer,
exchange, or payment, and any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by
an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an
authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
inasmuch as the registered owner hereof, Cede & Co., has an interest herein.

	
Series 2005-AR16

	
Portion of the Class 2-A2 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$61,301,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class 2-A2 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class 2-A2 Principal Balance as of the Cut-Off Date:

	
$61,301,000.00

	
 

 

 

 

  

	
Cede & Co.

	
Registered Owner

  

 

	
 

	
Exhibit A

	
 

	
CUSIP 92922F 7E 2

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class 2-A3

 

Evidencing a beneficial interest in a pool of assets consisting of
beneficial interests in another pool of assets consisting of, among other things, conventional one- to four-family mortgage loans
formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended. The issue date of this Certificate is November 23, 2005.

Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation (“DTC”), to the Trust or its agent for registration of transfer,
exchange, or payment, and any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by
an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an
authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
inasmuch as the registered owner hereof, Cede & Co., has an interest herein.

 

	
Series 2005-AR16

	
Portion of the Class 2-A3 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$20,539,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class 2-A3 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class 2-A3 Principal Balance as of the Cut-Off Date:

	
$20,539,000.00

	
 

 

 

 

  

	
Cede & Co.

	
Registered Owner

  

 

	
 

	
Exhibit A

	
 

	
CUSIP 92922F 7F 9

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class 2-A4

 

Evidencing a beneficial interest in a pool of assets consisting of
beneficial interests in another pool of assets consisting of, among other things, conventional one- to four-family mortgage loans
formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended. The issue date of this Certificate is November 23, 2005.

Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation (“DTC”), to the Trust or its agent for registration of transfer,
exchange, or payment, and any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by
an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an
authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
inasmuch as the registered owner hereof, Cede & Co., has an interest herein.

The Class 2-A4 Certificates will provide credit support to certain Classes
of Certificates, as described in the Pooling Agreement.

 

	
Series 2005-AR16

	
Portion of the Class 2-A4 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$3,978,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class 2-A4 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class 2-A4 Principal Balance as of the Cut-Off Date:

	
$3,978,000.00

	
 

 

  

	
Cede & Co.

	
Registered Owner

  

 

	
 

	
Exhibit A

	
 

	
CUSIP 92922F 7G 7

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class B-1

 

Evidencing a beneficial interest in a pool of
assets consisting of beneficial interests in another pool of assets consisting of, among other things, conventional one- to
four-family mortgage loans formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended (the “Code”). The issue date of this Certificate is November 23, 2005.

Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation (“DTC”), to the Trust or its agent for registration of transfer,
exchange, or payment, and any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by
an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an
authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
inasmuch as the registered owner hereof, Cede & Co., has an interest herein.

NO TRANSFER OF THIS CLASS B-1 CERTIFICATE WILL BE MADE UNLESS THE TRUSTEE
HAS RECEIVED (I) AN OFFICER’S CERTIFICATE IN THE FORM DESCRIBED IN SECTION 5.01(g) OF THE POOLING AGREEMENT AND (II) IF SO
INDICATED IN SUCH OFFICER’S CERTIFICATE, AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE
TRUSTEE AND THE COMPANY TO THE EFFECT THAT THE PURCHASE AND HOLDING OF THIS CERTIFICATE ARE PERMISSIBLE UNDER APPLICABLE LAW, WILL
NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE, AND WILL
NOT SUBJECT THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE COMPANY TO ANY OBLIGATION OR LIABILITY (INCLUDING
OBLIGATIONS OR LIABILITIES UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING
AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE
COMPANY.

NOTWITHSTANDING THE FOREGOING PARAGRAPH, WITH RESPECT TO THE TRANSFER OF
THIS CLASS B-1 CERTIFICATE TO DTC OR ANY OTHER CLEARING AGENCY OR ANY SUBSEQUENT TRANSFER OF ANY INTEREST IN THIS CERTIFICATE FOR
SO LONG AS THIS CERTIFICATE IS HELD BY DTC OR ANY OTHER CLEARING AGENCY, (I) AN OFFICER’S CERTIFICATE (AND, IF APPLICABLE, A
BENEFIT PLAN OPINION), AS DESCRIBED IN THE FOREGOING PARAGRAPH, SHALL NOT BE REQUIRED, AND (II) THE FOLLOWING CONDITIONS SHALL
APPLY:

1.             ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED
TO HAVE REPRESENTED, BY VIRTUE OF ITS ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST HEREIN), THAT EITHER (A) SUCH
TRANSFEREE IS NOT AN EMPLOYEE BENEFIT OR OTHER PLAN SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA OR SECTION 4975 OF
THE CODE, OR ANY PERSON (INCLUDING AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH PLAN) ACTING, DIRECTLY OR
INDIRECTLY, ON BEHALF OF OR PURCHASING THIS CERTIFICATE WITH “PLAN ASSETS” OF ANY SUCH PLAN (A “PLAN
INVESTOR”), (B) SUCH TRANSFEREE IS AN INSURANCE COMPANY, THE SOURCE OF FUNDS TO BE USED BY IT TO ACQUIRE OR HOLD THIS
CERTIFICATE IS AN “INSURANCE COMPANY GENERAL ACCOUNT” (WITHIN THE MEANING OF DEPARTMENT OF LABOR PROHIBITED TRANSACTION
CLASS EXEMPTION (“PTCE”) 95-60), AND THE CONDITIONS IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH
ENTITY THAT SATISFIES THIS CLAUSE (B), A “COMPLYING INSURANCE COMPANY”) OR (C) THIS CERTIFICATE WAS RATED
“BBB-” OR BETTER (OR ITS EQUIVALENT) BY AT LEAST ONE OF THE RATING AGENCIES AT THE TIME OF SUCH TRANSFEREE’S
ACQUISITION OF THIS CERTIFICATE (OR INTEREST HEREIN); AND

2.             IF THIS CERTIFICATE (OR ANY INTEREST HEREIN) IS
ACQUIRED OR HELD IN VIOLATION OF THE PROVISIONS OF THE PRECEDING PARAGRAPH, THEN THE LAST PRECEDING TRANSFEREE THAT EITHER (I) IS
NOT A PLAN INVESTOR, (II) IS A COMPLYING INSURANCE COMPANY OR (III) ACQUIRED THIS CERTIFICATE AT A TIME WHEN THIS CERTIFICATE WAS
RATED “BBB-” OR BETTER (OR ITS EQUIVALENT) BY AT LEAST ONE OF THE RATING AGENCIES SHALL BE RESTORED, TO THE EXTENT
PERMITTED BY LAW, TO ALL RIGHTS AND OBLIGATIONS AS BENEFICIAL HOLDER THEREOF RETROACTIVE TO THE DATE OF TRANSFER OF THIS
CERTIFICATE BY SUCH PRECEDING TRANSFEREE.  NEITHER THE TRUST NOR THE TRUSTEE SHALL BE UNDER ANY LIABILITY TO ANY PERSON FOR
MAKING ANY PAYMENTS DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.

ANY PURPORTED BENEFICIAL HOLDER WHOSE ACQUISITION OR HOLDING OF THIS
CERTIFICATE (OR INTEREST HEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 5.01(g) OF THE POOLING AGREEMENT SHALL
INDEMNIFY AND HOLD HARMLESS THE COMPANY, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER, THE TRUST AND EACH UNDERWRITER FROM AND
AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR
HOLDING.

The Class B-1 Certificates will be subordinate in right of payment to and
provide credit support to certain Classes of Certificates, as described in the Pooling Agreement.

 

	
Series 2005-AR16

	
Portion of the Class B-1 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$22,185,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class B-1 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class B-1 Principal Balance as of the Cut-Off Date:

	
$22,185,000.00

	
 

 

 

 

  

	
Cede & Co.

	
Registered Owner

  

 

	
 

	
Exhibit A

	
 

	
CUSIP 92922F 7H 5

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class B-2

 

Evidencing a beneficial interest in a pool of
assets consisting of beneficial interests in another pool of assets consisting of, among other things, conventional one- to
four-family mortgage loans formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended (the “Code”). The issue date of this Certificate is November 23, 2005.

Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation (“DTC”), to the Trust or its agent for registration of transfer,
exchange, or payment, and any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by
an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an
authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
inasmuch as the registered owner hereof, Cede & Co., has an interest herein.

NO TRANSFER OF THIS CLASS B-2 CERTIFICATE WILL BE MADE UNLESS THE TRUSTEE
HAS RECEIVED (I) AN OFFICER’S CERTIFICATE IN THE FORM DESCRIBED IN SECTION 5.01(g) OF THE POOLING AGREEMENT AND (II) IF SO
INDICATED IN SUCH OFFICER’S CERTIFICATE, AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE
TRUSTEE AND THE COMPANY TO THE EFFECT THAT THE PURCHASE AND HOLDING OF THIS CERTIFICATE ARE PERMISSIBLE UNDER APPLICABLE LAW, WILL
NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE, AND WILL
NOT SUBJECT THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE COMPANY TO ANY OBLIGATION OR LIABILITY (INCLUDING
OBLIGATIONS OR LIABILITIES UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING
AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE
COMPANY.

NOTWITHSTANDING THE FOREGOING PARAGRAPH, WITH RESPECT TO THE TRANSFER OF
THIS CLASS B-2 CERTIFICATE TO DTC OR ANY OTHER CLEARING AGENCY OR ANY SUBSEQUENT TRANSFER OF ANY INTEREST IN THIS CERTIFICATE FOR
SO LONG AS THIS CERTIFICATE IS HELD BY DTC OR ANY OTHER CLEARING AGENCY, (I) AN OFFICER’S CERTIFICATE (AND, IF APPLICABLE, A
BENEFIT PLAN OPINION), AS DESCRIBED IN THE FOREGOING PARAGRAPH, SHALL NOT BE REQUIRED, AND (II) THE FOLLOWING CONDITIONS SHALL
APPLY:

1.             ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED
TO HAVE REPRESENTED, BY VIRTUE OF ITS ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST HEREIN), THAT EITHER (A) SUCH
TRANSFEREE IS NOT AN EMPLOYEE BENEFIT OR OTHER PLAN SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA OR SECTION 4975 OF
THE CODE, OR ANY PERSON (INCLUDING AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH PLAN) ACTING, DIRECTLY OR
INDIRECTLY, ON BEHALF OF OR PURCHASING THIS CERTIFICATE WITH “PLAN ASSETS” OF ANY SUCH PLAN (A “PLAN
INVESTOR”), (B) SUCH TRANSFEREE IS AN INSURANCE COMPANY, THE SOURCE OF FUNDS TO BE USED BY IT TO ACQUIRE OR HOLD THIS
CERTIFICATE IS AN “INSURANCE COMPANY GENERAL ACCOUNT” (WITHIN THE MEANING OF DEPARTMENT OF LABOR PROHIBITED TRANSACTION
CLASS EXEMPTION (“PTCE”) 95-60), AND THE CONDITIONS IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH
ENTITY THAT SATISFIES THIS CLAUSE (B), A “COMPLYING INSURANCE COMPANY”) OR (C) THIS CERTIFICATE WAS RATED
“BBB-” OR BETTER (OR ITS EQUIVALENT) BY AT LEAST ONE OF THE RATING AGENCIES AT THE TIME OF SUCH TRANSFEREE’S
ACQUISITION OF THIS CERTIFICATE (OR INTEREST HEREIN); AND

2.             IF THIS CERTIFICATE (OR ANY INTEREST HEREIN) IS
ACQUIRED OR HELD IN VIOLATION OF THE PROVISIONS OF THE PRECEDING PARAGRAPH, THEN THE LAST PRECEDING TRANSFEREE THAT EITHER (I) IS
NOT A PLAN INVESTOR, (II) IS A COMPLYING INSURANCE COMPANY OR (III) ACQUIRED THIS CERTIFICATE AT A TIME WHEN THIS CERTIFICATE WAS
RATED “BBB-” OR BETTER (OR ITS EQUIVALENT) BY AT LEAST ONE OF THE RATING AGENCIES SHALL BE RESTORED, TO THE EXTENT
PERMITTED BY LAW, TO ALL RIGHTS AND OBLIGATIONS AS BENEFICIAL HOLDER THEREOF RETROACTIVE TO THE DATE OF TRANSFER OF THIS
CERTIFICATE BY SUCH PRECEDING TRANSFEREE.  NEITHER THE TRUST NOR THE TRUSTEE SHALL BE UNDER ANY LIABILITY TO ANY PERSON FOR
MAKING ANY PAYMENTS DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.

ANY PURPORTED BENEFICIAL HOLDER WHOSE ACQUISITION OR HOLDING OF THIS
CERTIFICATE (OR INTEREST HEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 5.01(g) OF THE POOLING AGREEMENT SHALL
INDEMNIFY AND HOLD HARMLESS THE COMPANY, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER, THE TRUST AND EACH UNDERWRITER FROM AND
AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR
HOLDING.

The Class B-2 Certificates will be subordinate in right of payment to and
provide credit support to certain Classes of Certificates, as described in the Pooling Agreement.

 

	
Series 2005-AR16

	
Portion of the Class B-2 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$6,009,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class B-2 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class B-2 Principal Balance as of the Cut-Off Date:

	
$6,009,000.00

	
 

 

 

  

	
Cede & Co.

	
Registered Owner

  

 

	
 

	
Exhibit A

	
 

	
CUSIP  92922F 7J 1

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class B-3

 

Evidencing a beneficial interest in a pool of
assets consisting of beneficial interests in another pool of assets consisting of, among other things, conventional one- to
four-family mortgage loans formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended (the “Code”). The issue date of this Certificate is November 23, 2005.

Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation (“DTC”), to the Trust or its agent for registration of transfer,
exchange, or payment, and any Certificate issued is registered in the name of Cede & Co. or such other name as is requested by
an authorized representative of DTC (and any payment is made to Cede & Co. or to such other entity as is requested by an
authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL
inasmuch as the registered owner hereof, Cede & Co., has an interest herein.

NO TRANSFER OF THIS CLASS B-3 CERTIFICATE WILL BE MADE UNLESS THE TRUSTEE
HAS RECEIVED (I) AN OFFICER’S CERTIFICATE IN THE FORM DESCRIBED IN SECTION 5.01(g) OF THE POOLING AGREEMENT AND (II) IF SO
INDICATED IN SUCH OFFICER’S CERTIFICATE, AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE
TRUSTEE AND THE COMPANY TO THE EFFECT THAT THE PURCHASE AND HOLDING OF THIS CERTIFICATE ARE PERMISSIBLE UNDER APPLICABLE LAW, WILL
NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE, AND WILL
NOT SUBJECT THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE COMPANY TO ANY OBLIGATION OR LIABILITY (INCLUDING
OBLIGATIONS OR LIABILITIES UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING
AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE
COMPANY.

NOTWITHSTANDING THE FOREGOING PARAGRAPH, WITH RESPECT TO THE TRANSFER OF
THIS CLASS B-3 CERTIFICATE TO DTC OR ANY OTHER CLEARING AGENCY OR ANY SUBSEQUENT TRANSFER OF ANY INTEREST IN THIS CERTIFICATE FOR
SO LONG AS THIS CERTIFICATE IS HELD BY DTC OR ANY OTHER CLEARING AGENCY, (I) AN OFFICER’S CERTIFICATE (AND, IF APPLICABLE, A
BENEFIT PLAN OPINION), AS DESCRIBED IN THE FOREGOING PARAGRAPH, SHALL NOT BE REQUIRED, AND (II) THE FOLLOWING CONDITIONS SHALL
APPLY:

1.             ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED
TO HAVE REPRESENTED, BY VIRTUE OF ITS ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST HEREIN), THAT EITHER (A) SUCH
TRANSFEREE IS NOT AN EMPLOYEE BENEFIT OR OTHER PLAN SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA OR SECTION 4975 OF
THE CODE, OR ANY PERSON (INCLUDING AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY SUCH PLAN) ACTING, DIRECTLY OR
INDIRECTLY, ON BEHALF OF OR PURCHASING THIS CERTIFICATE WITH “PLAN ASSETS” OF ANY SUCH PLAN (A “PLAN
INVESTOR”), (B) SUCH TRANSFEREE IS AN INSURANCE COMPANY, THE SOURCE OF FUNDS TO BE USED BY IT TO ACQUIRE OR HOLD THIS
CERTIFICATE IS AN “INSURANCE COMPANY GENERAL ACCOUNT” (WITHIN THE MEANING OF DEPARTMENT OF LABOR PROHIBITED TRANSACTION
CLASS EXEMPTION (“PTCE”) 95-60), AND THE CONDITIONS IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH
ENTITY THAT SATISFIES THIS CLAUSE (B), A “COMPLYING INSURANCE COMPANY”) OR (C) THIS CERTIFICATE WAS RATED
“BBB-” OR BETTER (OR ITS EQUIVALENT) BY AT LEAST ONE OF THE RATING AGENCIES AT THE TIME OF SUCH TRANSFEREE’S
ACQUISITION OF THIS CERTIFICATE (OR INTEREST HEREIN); AND

2.             IF THIS CERTIFICATE (OR ANY INTEREST HEREIN) IS
ACQUIRED OR HELD IN VIOLATION OF THE PROVISIONS OF THE PRECEDING PARAGRAPH, THEN THE LAST PRECEDING TRANSFEREE THAT EITHER (I) IS
NOT A PLAN INVESTOR, (II) IS A COMPLYING INSURANCE COMPANY OR (III) ACQUIRED THIS CERTIFICATE AT A TIME WHEN THIS CERTIFICATE WAS
RATED “BBB-” OR BETTER (OR ITS EQUIVALENT) BY AT LEAST ONE OF THE RATING AGENCIES SHALL BE RESTORED, TO THE EXTENT
PERMITTED BY LAW, TO ALL RIGHTS AND OBLIGATIONS AS BENEFICIAL HOLDER THEREOF RETROACTIVE TO THE DATE OF TRANSFER OF THIS
CERTIFICATE BY SUCH PRECEDING TRANSFEREE.  NEITHER THE TRUST NOR THE TRUSTEE SHALL BE UNDER ANY LIABILITY TO ANY PERSON FOR
MAKING ANY PAYMENTS DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE.

ANY PURPORTED BENEFICIAL HOLDER WHOSE ACQUISITION OR HOLDING OF THIS
CERTIFICATE (OR INTEREST HEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 5.01(g) OF THE POOLING AGREEMENT SHALL
INDEMNIFY AND HOLD HARMLESS THE COMPANY, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER, THE TRUST AND EACH UNDERWRITER FROM AND
AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR
HOLDING.

The Class B-3 Certificates will be subordinate in right of payment to and
provide credit support to certain Classes of Certificates, as described in the Pooling Agreement.

 

	
Series 2005-AR16

	
Portion of the Class B-3 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$3,698,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class B-3 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class B-3 Principal Balance as of the Cut-Off Date:

	
$3,698,000.00

	
 

 

 

  

	
Cede & Co.

	
Registered Owner

  

 

	
 

	
Exhibit A

	
 

	
CUSIP  92922F 7L 6

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class B-4

 

Evidencing a beneficial interest in a pool of
assets consisting of beneficial interests in another pool of assets consisting of, among other things, conventional one- to
four-family mortgage loans formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended (the “Code”). The issue date of this Certificate is November 23, 2005.

NO TRANSFER OF THIS CLASS B-4
CERTIFICATE WILL BE MADE UNLESS THE TRUSTEE HAS RECEIVED (I) AN OFFICER’S CERTIFICATE IN THE FORM DESCRIBED IN SECTION
5.01(d) OF THE POOLING AGREEMENT AND (II) IF SO INDICATED IN SUCH OFFICER’S CERTIFICATE, AN OPINION OF COUNSEL ACCEPTABLE TO
AND IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE COMPANY TO THE EFFECT THAT THE PURCHASE AND HOLDING OF THIS
CERTIFICATE ARE PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER
SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE, AND WILL NOT SUBJECT THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER
OR THE COMPANY TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER SECTION 406 OF ERISA OR SECTION 4975 OF
THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST,
THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE COMPANY.

THE SECURITIES REPRESENTED BY THIS
CERTIFICATE HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933. THESE SECURITIES MAY NOT BE OFFERED, SOLD, TRANSFERRED,
PLEDGED OR HYPOTHECATED IN THE ABSENCE OF REGISTRATION OR THE AVAILABILITY OF AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES
ACT OF 1933 AND EXCEPT IN ACCORDANCE WITH SECTION 5.01(e) OF THE POOLING AGREEMENT.

The Class B-4 Certificates will be subordinate in right of payment to and
provide credit support to certain Classes of Certificates, as described in the Pooling Agreement.

 

	
Series 2005-AR16

	
Portion of the Class B-4 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$2,773,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class B-4 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class B-4 Principal Balance as of the Cut-Off Date:

	
$2,773,000.00

	
 

 

 

  

	
___________________________

	
Registered Owner

  

 

	
 

	
Exhibit A

	
 

	
CUSIP 92922F 7M 4

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class B-5

 

Evidencing a beneficial interest in a pool of
assets consisting of beneficial interests in another pool of assets consisting of, among other things, conventional one- to
four-family mortgage loans formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended (the “Code”). The issue date of this Certificate is November 23, 2005.

NO TRANSFER OF THIS CLASS B-5
CERTIFICATE WILL BE MADE UNLESS THE TRUSTEE HAS RECEIVED (I) AN OFFICER’S CERTIFICATE IN THE FORM DESCRIBED IN SECTION
5.01(d) OF THE POOLING AGREEMENT AND (II) IF SO INDICATED IN SUCH OFFICER’S CERTIFICATE, AN OPINION OF COUNSEL ACCEPTABLE TO
AND IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE COMPANY TO THE EFFECT THAT THE PURCHASE AND HOLDING OF THIS
CERTIFICATE ARE PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER
SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE, AND WILL NOT SUBJECT THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER
OR THE COMPANY TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER SECTION 406 OF ERISA OR SECTION 4975 OF
THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST,
THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE COMPANY.

THE SECURITIES REPRESENTED BY THIS
CERTIFICATE HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933. THESE SECURITIES MAY NOT BE OFFERED, SOLD, TRANSFERRED,
PLEDGED OR HYPOTHECATED IN THE ABSENCE OF REGISTRATION OR THE AVAILABILITY OF AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES
ACT OF 1933 AND EXCEPT IN ACCORDANCE WITH SECTION 5.01(e) OF THE POOLING AGREEMENT.

The Class B-5 Certificates will be subordinate in right of payment to and
provide credit support to certain Classes of Certificates, as described in the Pooling Agreement.

 

	
Series 2005-AR16

	
Portion of the Class B-5 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$2,311,000.00

	
 

	
 

	
 

	
 

	
 

	
 

	
Class B-5 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class B-5 Principal Balance as of the Cut-Off Date:

	
$2,311,000.00

	
 

 

 

	
______________________________

	
Registered Owner

 

	
 

	
Exhibit A

	
 

	
CUSIP 92922F 7N 2

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class B-6

 

Evidencing a beneficial interest in a pool of
assets consisting of beneficial interests in another pool of assets consisting of, among other things, conventional one- to
four-family mortgage loans formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. This Certificate represents ownership of a “regular interest” in a “real estate mortgage
investment conduit,” as those terms are defined in Sections 860G and 860D, respectively, of the Internal Revenue Code of
1986, as amended (the “Code”). The issue date of this Certificate is November 23, 2005.

NO TRANSFER OF THIS CLASS B-6
CERTIFICATE WILL BE MADE UNLESS THE TRUSTEE HAS RECEIVED (I) AN OFFICER’S CERTIFICATE IN THE FORM DESCRIBED IN SECTION
5.01(d) OF THE POOLING AGREEMENT AND (II) IF SO INDICATED IN SUCH OFFICER’S CERTIFICATE, AN OPINION OF COUNSEL ACCEPTABLE TO
AND IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE COMPANY TO THE EFFECT THAT THE PURCHASE AND HOLDING OF THIS
CERTIFICATE ARE PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER
SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE, AND WILL NOT SUBJECT THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER
OR THE COMPANY TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER SECTION 406 OF ERISA OR SECTION 4975 OF
THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST,
THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE COMPANY.

THE SECURITIES REPRESENTED BY THIS
CERTIFICATE HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933. THESE SECURITIES MAY NOT BE OFFERED, SOLD, TRANSFERRED,
PLEDGED OR HYPOTHECATED IN THE ABSENCE OF REGISTRATION OR THE AVAILABILITY OF AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES
ACT OF 1933 AND EXCEPT IN ACCORDANCE WITH SECTION 5.01(e) OF THE POOLING AGREEMENT.

The Class B-6 Certificates will be subordinate in right of payment to and
provide credit support to certain Classes of Certificates, as described in the Pooling Agreement.

 

	
Series 2005-AR16

	
Portion of the Class B-6 Principal Balance as of the Cut-Off Date
Evidenced by this Certificate:

	
$1,386,086.87

	
 

	
 

	
 

	
 

	
 

	
 

	
Class B-6 Certificate Interest Rate:

	
Variable

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class B-6 Principal Balance as of the Cut-Off Date:

	
$1,386,086.87

	
 

 

 

	
______________________________

	
Registered Owner

 

	
 

	
Exhibit B

	
 

	
CUSIP 92922F 7K 8

 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

	
 

	
Class R

 

Evidencing a Percentage Interest in certain distributions with respect to
a pool of conventional one- to four-family mortgage loans formed by

	
WaMu ASSET ACCEPTANCE CORP.

 

ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE
ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE COMPANY AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT EITHER
(A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY
AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (B) ANY ORGANIZATION (OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE
CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY
SECTION 511 OF THE CODE, (C) ANY ORGANIZATION DESCRIBED IN SECTION 1381(a)(2)(C) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE
FOREGOING CLAUSES (A), (B), OR (C) BEING HEREINAFTER REFERRED TO AS A “DISQUALIFIED ORGANIZATION”), OR (D) AN AGENT OF
A DISQUALIFIED ORGANIZATION AND (2) NO PURPOSE OF SUCH TRANSFER IS TO ENABLE THE TRANSFER TO IMPEDE THE ASSESSMENT OR COLLECTION OF
TAX. SUCH AFFIDAVIT SHALL INCLUDE CERTAIN REPRESENTATIONS AS TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING
THE REGISTRATION IN THE CERTIFICATE REGISTER OF ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CLASS R CERTIFICATE TO A
DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR
EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT
LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF A CLASS R CERTIFICATE BY ACCEPTANCE OF THIS
CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH.

IN THE CASE OF ANY CLASS R CERTIFICATE PRESENTED FOR REGISTRATION IN THE
NAME OF ANY PERSON, THE TRUSTEE SHALL REQUIRE (I) AN OFFICER’S CERTIFICATE IN THE FORM DESCRIBED IN SECTION 5.01(d) OF THE
POOLING AGREEMENT AND (II) IF SO INDICATED IN SUCH OFFICER’S CERTIFICATE, AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND
SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE COMPANY TO THE EFFECT THAT THE PURCHASE AND HOLDING OF A CLASS R CERTIFICATE ARE
PERMISSIBLE UNDER APPLICABLE LAW, WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE
EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT
THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE COMPANY TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR
LIABILITIES UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AGREEMENT, WHICH
OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST, THE TRUSTEE, THE DELAWARE TRUSTEE, THE SERVICER OR THE COMPANY.

This Certificate is issued by WaMu Mortgage Pass-Through Certificates
Series 2005-AR16 Trust. Solely for U.S. federal income tax purposes, this Certificate represents “residual interests”
in “real estate mortgage investment conduits,” as those terms are defined in Sections 860G and 860D, respectively, of
the Internal Revenue Code of 1986, as amended.

 

	
Series 2005-AR16

	
Percentage Interest evidenced by this Class R Certificate in the
distributions to be made with respect to the Class R Certificates:

	
__________%

	
 

	
 

	
 

	
Class R Certificate Interest Rate:

	
5.132%.  Additionally the Class R Certificates are entitled to
Excess Liquidation Proceeds and the Residual Distribution Amount as defined in the Pooling Agreement.

	
 

	
Cut-Off Date:

	
November 1, 2005

	
 

	
First Distribution Date:

	
December 27, 2005

	
 

	
Last Scheduled Distribution Date:

	
December 25, 2035

	
 

	
Class R Principal Balance as of the Cut-Off Date:

	
$100.00

	
 

 

	
______________________________

	
Registered Owner

	
Certificate No. ______

 

This Certificate does not represent an obligation of or interest in
WaMu Asset Acceptance Corp. or any of its affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed by
any agency or instrumentality of the United States.

This certifies that the above-named Registered Owner is the registered
owner of certain interests in (i) a pool of assets (“REMIC I”) consisting of, among other things, conventional one- to
four-family mortgage loans (the “Mortgage Loans”), formed by WaMu Asset Acceptance Corp. (the “Company”),
which term includes any successor entity under the Pooling Agreement referred to below and (ii) a pool of assets (“REMIC
II”) consisting of interests in REMIC I. REMIC I and REMIC II were created pursuant to a Pooling and Servicing Agreement,
dated as of the Cut-Off Date stated above (the “Pooling Agreement”), among the Company, the Servicer, Deutsche Bank
National Trust Company, as Trustee (the “Trustee”), and Deutsche Bank Trust Company Delaware, as Delaware Trustee, a
summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized
terms used herein have the meanings assigned in the Pooling Agreement. Nothing herein shall be deemed inconsistent with such
meanings, and in the event of any conflict between the Pooling Agreement and the terms of this Certificate, the Pooling Agreement
shall control. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling Agreement, to
which Pooling Agreement the Holder of this Certificate, by virtue of the acceptance hereof, assents and by which such Holder is
bound.

Distributions will be made, pursuant to the Pooling Agreement, on the
25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the “Distribution
Date”), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered
at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such
last day) of the month immediately preceding the month of such distribution (the “Record Date”), to the extent of such
Certificateholder's Percentage Interest represented by this Certificate in the portions (if any) then distributable on the
Certificates of this Class of (i) the REMIC I Available Distribution Amount for such Distribution Date, as specified in Section
4.01 of the Pooling Agreement and (ii) the REMIC II Available Distribution Amount for such Distribution Date, as specified in
Section 4.04 of the Pooling Agreement.

Distributions on this Certificate will be made by the Trustee by wire
transfer or check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate
Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Trustee of the
pendency of such distribution and only upon presentation and surrender of this Certificate to the Certificate Registrar.

Reference is hereby made to the further provisions of this Certificate
set forth below, which further provisions shall for all purposes have the same effect as if set forth at this place.

Unless the certificate of authentication hereon has been executed by or
on behalf of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Pooling Agreement or
be valid for any purpose.

IN WITNESS WHEREOF, the Trust has caused this Certificate to be duly
executed.

	
 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATES SERIES 2005-AR16
TRUST

 

	
 

	
By:

	
DEUTSCHE BANK NATIONAL TRUST COMPANY, as Trustee

 

	
 

	
 

	
 

By:  _____________________________________

 

 

 

	
(TRUSTEE'S CERTIFICATE OF AUTHENTICATION)

 

This is one of the Certificates referred to in the within-mentioned
Pooling Agreement.

DEUTSCHE BANK NATIONAL TRUST COMPANY,

as Trustee

 

By: ___________________________________

 

Dated: _________________________________

 

 

	
WaMu ASSET ACCEPTANCE CORP.

	
 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATE

 

 

This Certificate is one of a duly authorized issue of Certificates
designated as WaMu Mortgage Pass-Through Certificates of the Series and Class specified hereon (herein called the
“Certificates”) and representing certain interests in REMIC I and REMIC II.

The Certificates do not represent an obligation of, or an interest in,
the Company or any of its affiliates and are not insured or guaranteed by any governmental agency. The Certificates are limited in
right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and
in the Pooling Agreement. In the event funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the
Servicer from the related recoveries on such Mortgage Loan or from amounts received with respect to other Mortgage Loans to the
extent that such advance is not otherwise recoverable.

As provided in the Pooling Agreement, withdrawals from the Certificate
Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including
reimbursement to the Servicer of advances made, or certain expenses incurred, by it.

The Pooling Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and obligations of the Company and the rights of the
Certificateholders under the Pooling Agreement at any time by the Company, the Servicer and the Trustee with the consent of the
Holders of the Certificates evidencing Percentage Interests aggregating not less than 66% of REMIC II. The Pooling Agreement also
permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the
Certificates.

As provided in the Pooling Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate
for registration of transfer at the office of the Certificate Registrar or the office maintained by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in
form satisfactory to the Trustee or any Authenticating Agent duly executed by, the Holder hereof or such Holder's attorney duly
authorized in writing, and thereupon one or more new Certificates of Authorized Denominations evidencing the same Percentage
Interest set forth hereinabove will be issued to the designated transferee or transferees.

The Certificates are issuable only as registered Certificates without
coupons in Authorized Denominations specified in the Pooling Agreement. As provided in the Pooling Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new Certificates of Authorized Denominations of like Certificate
Principal Balance or Percentage Interest, as applicable, as requested by the Holder surrendering the same.

A reasonable service charge may be made for any such registration of
transfer or exchange, and the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable
in connection therewith.

The Company, the Servicer, the Trust, the Trustee, the Delaware Trustee
and any agent of any of them may treat the Person in whose name this Certificate is registered as the owner hereof for all
purposes, and none of the Company, the Servicer, the Trust, the Trustee, the Delaware Trustee nor any agent thereof shall be
affected by notice to the contrary.

The obligations created by the Pooling Agreement and the Trust created
thereby shall terminate upon (i) the later of the final payment or other liquidation (including purchase by the Servicer) of the
last Mortgage Loan owned by the Trust or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure
of any Mortgage Loan, and (ii) the payment to Certificateholders of all amounts required to be paid to them pursuant to the Pooling
Agreement. The Pooling Agreement permits, but does not require, the Servicer to purchase from the Trust all Mortgage Loans at the
time subject thereto and all property acquired by the Trust in respect of any Mortgage Loan upon payment to the Certificateholders
of the amounts specified in the Pooling Agreement. The exercise of such right will effect early retirement of the Certificates, the
Servicer’s right to purchase being subject to the aggregate Principal Balance of the Mortgage Loans at the time of purchase
being less than the Clean-Up Call Percentage of the aggregate Principal Balance of the Mortgage Loans as of the Cut-Off
Date.

 

	
ASSIGNMENT

 

FOR VALUE RECEIVED the undersigned hereby sell(s) and assign(s) and
transfer(s) unto

____________________________________________________________________________________ 

____________________________________________________________________________________

(Please print or typewrite name and address, including postal zip code
of assignee. Please insert social security or other identifying number of assignee.)

the within WaMu Mortgage Pass-Through Certificate and hereby
irrevocably constitutes and appoints

____________________________________________________________________________________

 

Attorney to transfer said Certificate on the Certificate Register,
with full power of substitution in the premises. 

	

Dated: 
_____________________

	

 

	

___________________________________________

	
 

	
 

	
Signature Guaranteed

 

____________________________________________________________________________________

NOTICE:   The signature to this assignment must correspond
with the name as written upon the face of the within instrument in every particular, without alteration or enlargement or any
change whatever.  This Certificate does not represent an obligation of or an interest in WaMu Asset Acceptance Corp. or any of
its affiliates.  Neither this Certificate nor the underlying Mortgage Loans are guaranteed by any agency or instrumentality of
the United States.

 

	
Exhibit C

 

	
[Reserved]

 

 

	

Exhibit D

 

 

	
Mortgage Loan Schedule

 

Copies of the Mortgage Loan Schedule (which has been intentionally
omitted from this filing) may be obtained from WaMu Asset Acceptance Corp. or Deutsche Bank National Trust Company by
contacting:

 

	
 

	
      in the case of WaMu Asset Acceptance
Corp.,

 

	
 

	
        John Race

         WaMu Asset Acceptance Corp.

         c/o Washington Mutual Mortgage Securities Corp.

         75 N. Fairway Drive,VHF2A01

         Vernon Hills, IL 60061

         Telephone:  (847) 549-3113

         Facsimile:     (847) 549-3680

 

	
 

	
      in the case of Deutsche Bank
National Trust Company,

 

	
 

	
        Alan Sueda

         Trust Administrator

         Deutsche Bank National Trust Company

         1761 E. St. Andrew Place

         Santa Ana, CA 92705

         Telephone:  (714) 247-6315

         Facsimile:    (714) 247-6329

 

 

 

 

	
Exhibit E

 

 

	
[Reserved]

 

 

	
Exhibit F

 

 

	
FORM OF TRANSFEROR CERTIFICATE FOR

JUNIOR SUBORDINATE CERTIFICATES

 

[Date]

 

WaMu Mortgage Pass-Through Certificates Series 2005-AR16
Trust

Deutsche Bank National Trust Company, as Trustee

1761 East St. Andrew Place

Santa Ana, CA 92705

Attn: Trust Administration WA05AC

 

WaMu Asset Acceptance Corp.

1201 Third Avenue, WMT 1706A

Seattle, WA 98101 

Re:      Purchase of WaMu Asset
Acceptance Corp. WaMu Mortgage Pass-Through Certificates Series 2005-AR16, Class [   ]  (the
“Certificates”)

Ladies and Gentlemen:

In connection with our disposition of the above Certificates we certify
that (a) we understand the Certificates have not been registered under the Securities Act of 1933, as amended (the
“Act”) and are being disposed by us in a transaction that is exempt from the registration requirements of the Act, and
(b) we have not offered or sold any certificates to, or solicited offers to buy any Certificates from, any person, or otherwise
approached or negotiated with any person with respect thereto, or taken any other action which would result in a violation of
Section 5 of the Act.

	
 

	
Very truly yours,

 

[Name of Transferor]

 

 

 

By:  __________________________________

Authorized
Officer

 

	
Exhibit G

 

 

	
FORM OF TRANSFEREE'S AGREEMENT FOR

JUNIOR SUBORDINATE CERTIFICATES

 

[Date]

 

WaMu Mortgage Pass-Through Certificates Series 2005-AR16
Trust

Deutsche Bank National Trust Company, as Trustee

1761 East St. Andrew Place

Santa Ana, CA 92705

Attn: Trust Administration WA05AC

 

WaMu Asset Acceptance Corp.

1201 Third Avenue, WMT 1706A

Seattle, WA 98101

 

The undersigned (the “Purchaser”) proposes to purchase WaMu
Asset Acceptance Corp. WaMu Mortgage Pass-Through Certificates, Series 2005-AR16, Class [   ] (the “Purchased
Certificates”) in the principal amount of $______________. In doing so, the Purchaser hereby acknowledges and agrees as
follows:

Section 1. Definitions. Each capitalized term used herein and
not otherwise defined herein shall have the meaning ascribed to it in the Pooling and Servicing Agreement, dated as of November 1,
2005 (the “Pooling Agreement”), by and among WaMu Asset Acceptance Corp. (“Washington Mutual”), Washington
Mutual Bank (the "Servicer"), Deutsche Bank National Trust Company, as trustee (the “Trustee”), and Deutsche Bank Trust
Company Delaware, as Delaware trustee, of the WaMu Asset Acceptance Corp. WaMu Mortgage Pass-Through Certificates, Series
2005-AR16.

Section 2. Representations and Warranties of the Purchaser. In
connection with the proposed transfer, the Purchaser represents and warrants to Washington Mutual, the Servicer, the Trustee and
the Trust that:

(a)        The Purchaser is
duly organized, validly existing and in good standing under the laws of the jurisdiction in which the Purchaser is organized, is
authorized to invest in the Purchased Certificates, and to enter into this Agreement, and duly executed and delivered this
Agreement;

(b)        The Purchaser is
acquiring the Purchased Certificates for its own account as principal and not with a view to the distribution thereof, in whole or
in part;

(c)        The Purchaser is
an “accredited investor” as such term is defined in paragraph (a)(1), (a)(2), (a)(3), (a)(7) or (a)(8) of Section 501
of Regulation D under the Securities Act of 1933, as amended (the “Act”), has knowledge of financial and business
matters and is capable of evaluating the merits and risks of an investment in the Purchased Certificates; the Purchaser has sought
such accounting, legal and tax advice as it has considered necessary to make an informed investment decision; and the Purchaser is
able to bear the economic risk of an investment in the Purchased Certificates and can afford a complete loss of such
investment;

(d)        The Purchaser is
not affiliated with the Trustee;

(e)        The Purchaser
confirms that Washington Mutual has made available to the Purchaser the opportunity to ask questions of, and receive answers from
Washington Mutual concerning the trust created pursuant to the Pooling Agreement (the “Trust”), the purchase by the
Purchaser of the Purchased Certificates and all matters relating thereto that Washington Mutual possesses or can acquire without
unreasonable effort or expense; and

(f)        If applicable, the
Purchaser has complied, and will continue to comply, with the guidelines established by Thrift Bulletin 13a issued April 23, 1998,
by the Office of Regulatory Activities of the Federal Home Loan Bank System.

Section 3. Transfer of Purchased Certificates.

(a)        The Purchaser
understands that the Purchased Certificates have not been registered under the Act, or any state securities laws and that no
transfer may be made unless the Purchased Certificates are registered under the Act and under applicable state law or unless an
exemption from registration is available. The Purchaser further understands that neither Washington Mutual nor the Trust is under
any obligation to register the Purchased Certificates or make an exemption available. In the event that such a transfer is to be
made within two years from the Closing Date without registration under the Act or applicable state securities laws, (i) the Trustee
shall require, in order to assure compliance with such laws, that the Certificateholder's prospective transferee each certify to
Washington Mutual, the Trustee and the Trust as to the factual basis for the registration or qualification exemption relied upon,
and (ii) the Trustee or Washington Mutual may require an Opinion of Counsel that such transfer may be made pursuant to an exemption
from the Act and state securities laws, which Opinion of Counsel shall not be an expense of the Trust, the Trustee or Washington
Mutual. Any such Certificateholder desiring to effect such transfer shall, and does hereby agree to, indemnify the Trust, the
Trustee and Washington Mutual against any liability that may result if the transfer is not so exempt or is not made in accordance
with such federal and state laws.

(b)        No transfer of a
Purchased Certificate shall be made unless the transferee provides Washington Mutual and the Trustee with (i) a Transferee's
Agreement, substantially in the form of this Agreement, (ii) an affidavit substantially in the form of Exhibit N to the Pooling
Agreement and (iii) if so indicated in such affidavit, a Benefit Plan Opinion (as defined in Section 1.01 of the Pooling
Agreement).

(c)        The Purchaser
acknowledges that its Purchased Certificates bear a legend setting forth the applicable restrictions on transfer.

IN WITNESS WHEREOF, the undersigned has caused this Agreement to be
validly executed by its duly authorized representative as of the day and the year first above written.

	
 

	
[Purchaser]

 

 

 

By:  __________________________________

 

Its: ___________________________________

 

 

 

	
Exhibit H-1

 

	
FORM OF ADDITIONAL MATTER INCORPORATED INTO THE FORM OF THE
CERTIFICATES (OTHER THAN THE CLASS R CERTIFICATES)

 

 

This Certificate does not represent an obligation of or interest in
WaMu Asset Acceptance Corp. or any of its affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed by
any agency or instrumentality of the United States.

This certifies that the above-named Registered Owner is the registered
owner of certain interests in a pool of assets (“REMIC II”) consisting of interests in another pool of assets
(“REMIC I”) consisting of, among other things, conventional one- to four-family mortgage loans (the “Mortgage
Loans”), formed by WaMu Asset Acceptance Corp. (the “Company”), which term includes any successor entity under
the Pooling Agreement referred to below. REMIC I and REMIC II were created pursuant to a Pooling and Servicing Agreement, dated as
of the Cut-Off Date stated above (the “Pooling Agreement”), among the Company, the Servicer, Deutsche Bank National
Trust Company, as Trustee (the “Trustee”), and Deutsche Bank Trust Company Delaware, as Delaware Trustee, a summary of
certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used
herein have the meanings assigned in the Pooling Agreement. Nothing herein shall be deemed inconsistent with such meanings, and in
the event of any conflict between the Pooling Agreement and the terms of this Certificate, the Pooling Agreement shall control.
This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling Agreement, to which Pooling
Agreement the Holder of this Certificate, by virtue of the acceptance hereof, assents and by which such Holder is bound.

Distributions will be made, pursuant to the Pooling Agreement, on the
25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the “Distribution
Date”), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered
at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such
last day) of the month immediately preceding the month of such distribution (the “Record Date”), to the extent of such
Certificateholder's Percentage Interest represented by this Certificate in the portion of the REMIC II Available Distribution
Amount for such Distribution Date then distributable on the Certificates of this Class, as specified in Section 4.04 of the Pooling
Agreement.

Distributions on this Certificate will be made by the Trustee by wire
transfer or check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate
Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Trustee of the
pendency of such distribution and only upon presentation and surrender of this Certificate to the Certificate Registrar.

Reference is hereby made to the further provisions of this Certificate
set forth below, which further provisions shall for all purposes have the same effect as if set forth at this place.

Unless the certificate of authentication hereon has been executed by or
on behalf of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Pooling Agreement or
be valid for any purpose.

IN WITNESS WHEREOF, the Trust has caused this Certificate to be duly
executed.

 

	
 

	
WaMu MORTGAGE PASS-THROUGH CERTIFICATES SERIES 2005-AR16
TRUST

 

	
 

	
By:

	
DEUTSCHE BANK NATIONAL TRUST COMPANY, as Trustee

 

	
 

	
 

	
 

 

By:  _____________________________________

 

 

	
(TRUSTEE'S CERTIFICATE OF AUTHENTICATION)

 

 

This is one of the Certificates referred to in the within-mentioned
Pooling Agreement.

DEUTSCHE BANK NATIONAL TRUST COMPANY,

as Trustee 

By: _____________________________________

 

Dated: ___________________________________

 

 

	
WaMu ASSET ACCEPTANCE CORP.

WaMu MORTGAGE PASS-THROUGH CERTIFICATE

 

 

This Certificate is one of a duly authorized issue of Certificates
designated as WaMu Mortgage Pass-Through Certificates of the Series and Class specified hereon (herein called the
“Certificates”) and representing certain interests in REMIC II.

The Certificates do not represent an obligation of, or an interest in,
the Company or any of its affiliates and are not insured or guaranteed by any governmental agency. The Certificates are limited in
right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and
in the Pooling Agreement. In the event funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the
Servicer from the related recoveries on such Mortgage Loan or from amounts received with respect to other Mortgage Loans to the
extent that such advance is not otherwise recoverable.

As provided in the Pooling Agreement, withdrawals from the Certificate
Account may be made from time to time for purposes other than distributions to Certificateholders, such purposes including
reimbursement to the Servicer of advances made, or certain expenses incurred, by it.

The Pooling Agreement permits, with certain exceptions therein
provided, the amendment thereof and the modification of the rights and obligations of the Company and the rights of the
Certificateholders under the Pooling Agreement at any time by the Company, the Servicer and the Trustee with the consent of the
Holders of the Certificates evidencing Percentage Interests aggregating not less than 66% of REMIC II. Any such consent by the
Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of
any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is
made upon this Certificate. The Pooling Agreement also permits the amendment thereof, in certain limited circumstances, without the
consent of the Holders of any of the Certificates.

As provided in the Pooling Agreement and subject to certain limitations
therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate
for registration of transfer at the office of the Certificate Registrar or the office maintained by the Trustee in the City and
State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in
form satisfactory to the Trustee or any Authenticating Agent duly executed by, the Holder hereof or such Holder's attorney duly
authorized in writing, and thereupon one or more new Certificates of Authorized Denominations evidencing the same Percentage
Interest set forth hereinabove will be issued to the designated transferee or transferees.

[to be used only in the case of the Junior Subordinate Certificates:]
[No transfer of a Certificate will be made unless such transfer is exempt from or is made in accordance with the registration
requirements of the Securities Act of 1933, as amended (the “Securities Act”) and any applicable state securities laws.
In the event that a transfer is to be made without registration or qualification under applicable laws, (i) in the event such
transfer is made pursuant to Rule 144A under the Securities Act, the Company and the Trustee shall require the transferee to
execute an investment letter in substantially the form attached as Exhibit L to the Pooling Agreement, which investment letter
shall not be an expense of the Company, the Servicer, the Trust, the Delaware Trustee or the Trustee and (ii) in the event that
such a transfer is not made pursuant to Rule 144A under the Securities Act, the Trustee may require an Opinion of Counsel
satisfactory to the Trustee that such transfer may be made without such registration or qualification, which Opinion of Counsel
shall not be an expense of the Company, the Servicer, the Trust, the Trustee or the Delaware Trustee. Neither the Company nor the
Trust will register the Certificate under the Securities Act, qualify the Certificate under any state securities law or provide
registration rights to any purchaser. Any Holder desiring to effect such transfer shall, and does hereby agree to, indemnify the
Trust, the Trustee, the Delaware Trustee, the Company and the Servicer against any liability that may result if the transfer is not
made in accordance with the Pooling Agreement.]

The Certificates are issuable only as registered Certificates without
coupons in Authorized Denominations specified in the Pooling Agreement. As provided in the Pooling Agreement and subject to certain
limitations therein set forth, Certificates are exchangeable for new Certificates of Authorized Denominations of like Certificate
Principal Balance or Percentage Interest, as applicable, as requested by the Holder surrendering the same.

A reasonable service charge may be made for any such registration of
transfer or exchange, and the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable
in connection therewith.

The Company, the Servicer, the Trust, the Trustee, the Delaware Trustee
and any agent of any of them may treat the Person in whose name this Certificate is registered as the owner hereof for all
purposes, and none of the Company, the Servicer, the Trust, the Trustee, the Delaware Trustee nor any agent thereof shall be
affected by notice to the contrary.

The obligations created by the Pooling Agreement and the Trust created
thereby shall terminate upon (i) the later of the final payment or other liquidation (including purchase by the Servicer) of the
last Mortgage Loan owned by the Trust or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure
of any Mortgage Loan, and (ii) the payment to Certificateholders of all amounts required to be paid to them pursuant to the Pooling
Agreement. The Pooling Agreement permits, but does not require, the Servicer to purchase from the Trust all Mortgage Loans at the
time subject thereto and all property acquired by the Trust in respect of any Mortgage Loan upon payment to the Certificateholders
of the amounts specified in the Pooling Agreement. The exercise of such right will effect early retirement of the Certificates, the
Servicer’s right to purchase being subject to the aggregate Principal Balance of the Mortgage Loans at the time of purchase
being less than the Clean-Up Call Percentage of the aggregate Principal Balance of the Mortgage Loans as of the Cut-Off
Date.

 

	
ASSIGNMENT

 

 

FOR VALUE RECEIVED the undersigned hereby sell(s) and assign(s) and
transfer(s) unto

____________________________________________________________________________________

____________________________________________________________________________________

(Please print or typewrite name and address, including postal zip code
of assignee. Please insert social security or other identifying number of assignee.)

the within WaMu Mortgage Pass-Through Certificate and hereby
irrevocably constitutes and appoints

____________________________________________________________________________________

Attorney to transfer said Certificate on the Certificate Register,
with full power of substitution in the premises.

	

Dated:
______________________

	

 

	

_________________________________________

	
 

	
 

	
Signature Guaranteed

____________________________________________________________________________________

NOTICE:   The signature to this assignment must correspond
with the name as written upon the face of the within instrument in every particular, without alteration or enlargement or any
change whatever.  This Certificate does not represent an obligation of or an interest in WaMu Asset Acceptance Corp. or any of
its affiliates.  Neither this Certificate nor the underlying Mortgage Loans are guaranteed by any agency or instrumentality of
the United States.

 

	
Exhibit I

 

 

	
TRANSFEROR CERTIFICATE FOR CLASS R CERTIFICATES

	
 

	
 

	
[Date]

 

 

Deutsche Bank National Trust Company, as Trustee

1761 East St. Andrew Place

Santa Ana, CA 92705

Attn: Trust Administration WA05AC

Re:      WaMu Asset Acceptance Corp. WaMu
Mortgage Pass-Through Certificates, Series 2005-AR16, Class R

Ladies and Gentlemen:

This letter is delivered to you in connection with the sale from
                                        
 (the “Seller”) to           
                                   
(the “Purchaser”) of $____________________ initial Certificate Principal Balance of WaMu Mortgage Pass-Through
Certificates, Series 2005-AR16, Class R (the “Certificate”), pursuant to Section 5.01 of the Pooling and Servicing
Agreement (the “Pooling Agreement”), dated as of November 1, 2005 among WaMu Asset Acceptance Corp., as depositor (the
"Company"), Washington Mutual Bank, as servicer (the “Servicer”), Deutsche Bank National Trust Company, as trustee (the
“Trustee”), and Deutsche Bank Trust Company Delaware, as Delaware trustee. All terms used herein and not otherwise
defined shall have the meanings set forth in the Pooling Agreement. The Seller hereby certifies, represents and warrants to, and
covenants with, the Company, the Servicer, the Trustee and the Trust that:

1.         No purpose of the
Seller relating to the sale of the Certificate by the Seller to the Purchaser is or will be to enable the Seller to impede the
assessment or collection of tax.

2.         The Seller
understands that the Purchaser has delivered to the Trustee and the Company a transferee affidavit and agreement in the form
attached to the Pooling Agreement as Exhibit J. The Seller does not know or believe that any representation contained therein is
false.

3.         The Seller has no
actual knowledge that the proposed Transferee is not a Permitted Transferee.

4.         The Seller has no
actual knowledge that the Purchaser would be unwilling or unable to pay taxes due on its share of the taxable income attributable
to the Certificates.

5.         The Seller has
conducted a reasonable investigation of the financial condition of the Purchaser and, as a result of the investigation, found that
the Purchaser has historically paid its debts as they came due, and found no significant evidence to indicate that the Purchaser
will not continue to pay its debts as they come due in the future.

6.         The Purchaser has
represented to the Seller that, if the Certificates constitute a noneconomic residual interest, it (i) understands that as holder
of a noneconomic residual interest it may incur tax liabilities in excess of any cash flows generated by the interest, and (ii)
intends to pay taxes associated with its holding of the Certificates as they become due.

	
 

	
Very truly yours,

 

[Seller]

 

 

 

By:  __________________________________

           
Name: __________________________

           
Title: ___________________________

 

 

 

	
Exhibit J

 

 

	
TRANSFEREE AFFIDAVIT AND AGREEMENT FOR CLASS R
CERTIFICATES

 

 

	
STATE OF

	
_________________________

	
)

	
 

	
 

	
 

	
)

	
ss:

	
COUNTY OF

	
_________________________

	
)

	
 

 

 

[NAME OF OFFICER], being first duly sworn, deposes and says:

1.         That he is [Title of
Officer] of [Name of Owner] (record or beneficial owner of the Class R Certificate (the “Owner”)), a [savings
institution] [corporation] duly organized and existing under the laws of [the State of
                  ] [the United
States], on behalf of which he makes this affidavit and agreement.

2.         That the Owner (i)
is not and will not be a “disqualified organization” as of [date of transfer] within the meaning of Section 860E(e)(5)
of the Internal Revenue Code of 1986, as amended (the “Code”) and will endeavor to remain other than a disqualified
organization for so long as it retains its ownership interest in the Class R Certificates, and (ii) is acquiring the Class R
Certificates for its own account or for the account of another Owner from which it has received an affidavit and agreement in
substantially the same form as this affidavit and agreement. (For this purpose, a disqualified organization” means the United
States, any state or political subdivision thereof, or any agency or instrumentality of any of the foregoing (other than an
instrumentality all of the activities of which are subject to tax and, except for the Federal Home Loan Mortgage Corporation, a
majority of whose board of directors is not selected by any such governmental entity), or any foreign government or international
organization, or any agency or instrumentality of such foreign government or organization, any rural electric or telephone
cooperative, or any organization (other than certain farmers' cooperatives) that is generally exempt from federal income tax unless
such organization is subject to the tax on unrelated business taxable income).

3.         That the Owner is
aware (i) of the tax that would be imposed on transfers of the Class R Certificates after March 31, 1988; (ii) that such tax would
be on the transferor, or, if such transfer is through an agent (which person includes a broker, nominee or middle-man) for a
disqualified organization, on the agent; (iii) that the person otherwise liable for the tax shall be relieved of liability for the
tax if the transferee furnishes to such person an affidavit that the transferee is not a disqualified organization and, at the time
of transfer, such person does not have actual knowledge that the affidavit is false; and (iv) that the Class R Certificates may be
a “noneconomic residual interest” within the meaning of Treasury regulations promulgated pursuant to the Code and that
the transferor of a noneconomic residual interest will remain liable for any taxes due with respect to the income on such residual
interest, if a significant purpose of the transfer was to enable the transferor to impede the assessment or collection of
tax.

4.         That the Owner is
aware of the tax imposed on a “pass-through entity” holding the Class R Certificates if at any time during the taxable
year of the pass-through entity a disqualified organization is the record holder of an interest in such entity. (For this purpose,
a “pass through entity” includes a regulated investment company, a real estate investment trust or common trust fund, a
partnership, trust or estate, and certain cooperatives.)

5.         That the Owner is
aware that the Trustee will not register the Transfer of the Class R Certificates unless the transferee, or the transferees' agent,
delivers to it an affidavit and agreement, among other things, in substantially the same form as this affidavit and agreement. The
Owner expressly agrees that it will not consummate any such transfer if it knows or believes that any of the representations
contained in such affidavit and agreement are false.

6.         That the Owner has
reviewed the restrictions set forth on the face of the Class R Certificates and the provisions of Section 5.01 of the Pooling
Agreement under which the Class R Certificates were issued (in particular, clauses (iii)(A) and (iii)(B) of Section 5.01(c) which
authorize the Trustee to deliver payments to a person other than the Owner and negotiate a mandatory sale by the Trustee in the
event the Owner holds such Certificates in violation of Section 5.01). The Owner expressly agrees to be bound by and to comply with
such restrictions and provisions.

7.         That the Owner
consents to any additional restrictions or arrangements that shall be deemed necessary upon advice of counsel to constitute a
reasonable arrangement to ensure that the Class R Certificates will only be owned, directly or indirectly, by an Owner that is not
a disqualified organization.

8.         The Owner's Taxpayer
Identification Number is
                              
..

9.         That no purpose of
the Owner relating to the purchase of the Class R Certificates by the Owner is or will be to enable the transferor to impede the
assessment or collection of tax, and that in making this representation, the Owner warrants that the Owner is familiar with
Treasury Regulation 1.860E-1(c) and with the preamble to the adoption of amendments to that regulation as of July 19, 2002,
attached hereto as Exhibit 1.

10.        That the Owner
anticipates that it will, so long as it holds the Class R Certificates, have sufficient assets to pay any taxes owed by the holder
of such Certificates, and hereby represents to and for the benefit of the person from whom it acquired the Class R Certificates
that the Owner intends to pay taxes associated with holding such Certificates as they become due, fully understanding that it may
incur tax liabilities in excess of any cash flows generated by the Class R Certificates. That the Owner has provided financial
statements or other financial information requested by the transferor in connection with the transfer of the Class R Certificates
to permit the transferor to assess the financial capability of the Owner to pay such taxes.

11.        That the Owner has no
present knowledge or expectation that it will be unable to pay any United States taxes owed by it so long as any of the Class R
Certificates remain outstanding.

12.        That the Owner has no
present knowledge or expectation that it will become insolvent or subject to a bankruptcy proceeding for so long as any of the
Class R Certificates remain outstanding.

13.        That the Owner is
familiar with Treasury Regulation 1.860E-1(c) and with the preamble to the adoption of amendments to that regulation as of July 19,
2002, attached hereto as Exhibit 1, and that no purpose of the Owner relating to any sale of the Class R Certificates by the Owner
will be to impede the assessment or collection of tax.

14.        The Owner is a citizen or
resident of the United States, a corporation, partnership or other entity treated as a partnership or corporation for U.S. federal
income tax purposes created or organized in, or under the laws of, the United States or any state thereof or the District of
Columbia, or an estate or trust whose income from sources without the United States is includible in gross income for United States
federal income tax purposes regardless of its connection with the conduct of a trade or business within the United
States.

15.        The Owner hereby agrees
that it will not cause income from the Class R Certificates to be attributable to a foreign permanent establishment or fixed base
(within the meaning of an applicable income tax treaty) of the Owner or another United States taxpayer.

16.        The Owner hereby agrees
to cooperate with the Company and to take any action required of it by the Code or Treasury regulations thereunder (whether now or
hereafter promulgated) in order to create or maintain the REMIC status of REMIC I and REMIC II (the
“REMICs”).

17.        The Owner hereby agrees
that it will not take any action that could endanger the REMIC status of the REMICs or result in the imposition of tax on the
REMICs unless counsel for, or acceptable to, the Company has provided an opinion that such action will not result in the loss of
such REMIC status or the imposition of such tax, as applicable.

18.        The Owner as transferee
of the Class R Certificates has represented to the transferor that, if the Class R Certificates constitute a noneconomic residual
interest, the Owner (i) understands that as holder of a noneconomic residual interest it may incur tax liabilities in excess of any
cash flows generated by the interest, and (ii) intends to pay taxes associated with its holding of the Class R Certificates as they
become due.

19.        That the Owner satisfies
the condition in the paragraph marked below [mark one paragraph only]:

	

___

	

The Owner is not an
employee benefit or other plan subject to the prohibited transaction provisions of the Employee Retirement Income Security Act of
1974, as amended, or Section 4975 of the Internal Revenue Code of 1986, as amended (a “Plan”), or any other person
(including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of, or
purchasing the Class R Certificates with “plan assets” of, any Plan within the meaning of the Department of Labor
(“DOL”) regulation at 29 C.F.R. Section 2510.3-101.

	

___

	

The Owner has delivered
a Benefit Plan Opinion (as defined in Section 1.01 of the Pooling Agreement under which the Class R Certificates were
issued).

 

IN WITNESS WHEREOF, the Owner has caused this instrument to be executed
on its behalf, pursuant to the authority of its Board of Directors, by its [Title of Officer] and its corporate seal to be hereunto
attached, attested by its [Assistant] Secretary, this           day of
         , 20     .

 

	
 

	
[Name of Owner]

 

 

By:  __________________________________

[Name of
Officer]

[Title of
Officer

 

	
[Corporate Seal]

 

ATTEST:

 

 

[Assistant Secretary]

	
 

 

 

Personally appeared before me the above-named [Name of Officer], known
or proved to me to be the same person who executed the foregoing instrument and to be the [Title of Officer] of the Owner, and
Acknowledged to me that he executed the same as his free act and deed and the free act and deed of the Owner.

Subscribed and sworn before me this ___ day of __________________,
20__.

 

	
 

	
NOTARY PUBLIC

 

COUNTY OF ________________________________

STATE OF __________________________________

My commission expires the
       day of
                   ,
20      .

 

 

 

	
Exhibit 1 to Transferee Affidavit

 

 

DEPARTMENT OF THE TREASURY

Internal Revenue Service

26 CFR Parts 1 and 602

[TD 9004]

RIN 1545-AW98

 

Real Estate Mortgage Investment Conduits

 

AGENCY: Internal Revenue Service (IRS), Treasury.

 

ACTION: Final regulations.

 

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

 

	
SUMMARY:

	
This document contains final regulations relating to safe harbor
transfers of noneconomic residual interests in real estate mortgage investment conduits (REMICs). The final regulations provide
additional limitations on the circumstances under which transferors may claim safe harbor treatment.

	
 

	
 

	
DATES:

	
Effective Date: These regulations are effective July 19, 2002. 
Applicability Date: For dates of applicability, see Sec. 1.860E-(1)(c)(10).

	
 

	
 

	
FOR FURTHER INFORMATION CONTACT:

	
Courtney Shepardson at (202) 622-3940

(not a toll-free number).

			

 

SUPPLEMENTARY INFORMATION:

 

Paperwork Reduction Act

 

The collection of information in this final rule has been reviewed and,
pending receipt and evaluation of public comments, approved by the Office of Management and Budget (OMB) under 44 U.S.C. 3507 and
assigned control number 1545-1675.  The collection of information in this regulation is in Sec. 1.860E-1(c)(5)(ii). This
information is required to enable the IRS to verify that a taxpayer is complying with the conditions of this regulation. The
collection of information is mandatory and is required. Otherwise, the taxpayer will not receive the benefit of safe harbor
treatment as provided in the regulation. The likely respondents are businesses and other for-profit institutions.

Comments on the collection of information should be sent to the Office
of Management and Budget, Attn: Desk Officer for the Department of the Treasury, Office of Information and Regulatory Affairs,
Washington, DC, 20503, with copies to the Internal Revenue Service, Attn: IRS Reports Clearance Officer, W:CAR:MP:FP:S, Washington,
DC 20224. Comments on the collection of information should be received by September 17, 2002. Comments are specifically requested
concerning: 

Whether the collection of information is necessary for the proper
performance of the functions of the Internal Revenue Service, including whether the information will have practical
utility; 

The accuracy of the estimated burden associated with the
collection of information (see below);

How the quality, utility, and clarity of the information to be
collected may be enhanced;

How the burden of complying with the collection of information may
be minimized, including through the application of automated collection techniques or other forms of information technology;
and

Estimates of capital or start-up costs and costs of operation,
maintenance, and purchase of service to provide information.

An agency may not conduct or sponsor, and a person is not required to
respond to, a collection of information unless it displays a valid control number assigned by the Office of Management and
Budget.

The estimated total annual reporting burden is 470 hours, based on an
estimated number of respondents of 470 and an estimated average annual burden hours per respondent of one hour.

Books or records relating to a collection of information must be
retained as long as their contents may become material in the administration of any internal revenue law. Generally, tax returns
and tax return information are confidential, as required by 26 U.S.C. 6103.

Background

This document contains final regulations regarding the proposed
amendments to 26 CFR part 1 under section 860E of the Internal Revenue Code (Code). The regulations provide the circumstances under
which a transferor of a noneconomic REMIC residual interest meeting the investigation and representation requirements may avail
itself of the safe harbor by satisfying either the formula test or the asset test.

Final regulations governing REMICs, issued in 1992, contain rules
governing the transfer of noneconomic REMIC residual interests. In general, a transfer of a noneconomic residual interest is
disregarded for all tax purposes if a significant purpose of the transfer is to enable the transferor to impede the assessment or
collection of tax. A purpose to impede the assessment or collection of tax (a wrongful purpose) exists if the transferor, at the
time of the transfer, either knew or should have known that the transferee would be unwilling or unable to pay taxes due on its
share of the REMIC's taxable income.

Under a safe harbor, the transferor of a REMIC noneconomic residual
interest is presumed not to have a wrongful purpose if two requirements are satisfied: (1) the transferor conducts a reasonable
investigation of the transferee's financial condition (the investigation requirement); and (2) the transferor secures a
representation from the transferee to the effect that the transferee understands the tax obligations associated with holding a
residual interest and intends to pay those taxes (the representation requirement).

The IRS and Treasury have been concerned that some transferors of
noneconomic residual interests claim they satisfy the safe harbor even in situations where the economics of the transfer clearly
indicate the transferee is unwilling or unable to pay the tax associated with holding the interest. For this reason, on February 7,
2000, the IRS published in the Federal Register (65 FR 5807) a notice of proposed rulemaking (REG-100276-97; REG-122450-98)
designed to clarify the safe harbor by adding the ``formula test,'' an economic test. The proposed regulation provides that the
safe harbor is unavailable unless the present value of the anticipated tax liabilities associated with holding the residual
interest does not exceed the sum of: (1) The present value of any consideration given to the transferee to acquire the interest;
(2) the present value of the expected future distributions on the interest; and (3) the present value of the anticipated tax
savings associated with holding the interest as the REMIC generates losses.

The notice of proposed rulemaking also contained rules for FASITs.
Section 1.860H-6(g) of the proposed regulations provides requirements for transfers of FASIT ownership interests and adopts a safe
harbor by reference to the safe harbor provisions of the REMIC regulations.   

In January 2001, the IRS published Rev. Proc. 2001-12 (2001-3 I.R.B.
335) to set forth an alternative safe harbor that taxpayers could use while the IRS and the Treasury considered comments on the
proposed regulations. Under the alternative safe harbor, if a transferor meets the investigation requirement and the representation
requirement but the transfer fails to meet the formula test, the transferor may invoke the safe harbor if the transferee meets a
two-prong test (the asset test). A transferee generally meets the first prong of this test if, at the time of the transfer, and in
each of the two years preceding the year of transfer, the transferee's gross assets exceed $100 million and its net assets exceed
$10 million. A transferee generally meets the second prong of this test if it is a domestic, taxable corporation and agrees in
writing not to transfer the interest to any person other than another domestic, taxable corporation that also satisfies the
requirements of the asset test. A transferor cannot rely on the asset test if the transferor knows, or has reason to know, that the
transferee will not comply with its written agreement to limit the restrictions on subsequent transfers of the residual
interest.

Rev. Proc. 2001-12 provides that the asset test fails to be satisfied
in the case of a transfer or assignment of a noneconomic residual interest to a foreign branch of an otherwise eligible transferee.
If such a transfer or assignment were permitted, a corporate taxpayer might seek to claim that the provisions of an applicable
income tax treaty would resource excess inclusion income as foreign source income, and that, as a consequence, any U.S. tax
liability attributable to the excess inclusion income could be offset by foreign tax credits. Such a claim would impede the
assessment or collection of U.S. tax on excess inclusion income, contrary to the congressional purpose of assuring that such income
will be taxable in all events. See, e.g., sections 860E(a)(1), (b), (e) and 860G(b) of the Code.

The Treasury and the IRS have learned that certain taxpayers
transferring noneconomic residual interests to foreign branches have attempted to rely on the formula test to obtain safe harbor
treatment in an effort to impede the assessment or collection of U.S. tax on excess inclusion income. Accordingly, the final
regulations provide that if a noneconomic residual interest is transferred to a foreign permanent establishment or fixed base of a
U.S. taxpayer, the transfer is not eligible for safe harbor treatment under either the asset test or the formula test. The final
regulations also require a transferee to represent that it will not cause income from the noneconomic residual interest to be
attributable to a foreign permanent establishment or fixed base.

Section 1.860E-1(c)(8) provides computational rules that a taxpayer may
use to qualify for safe harbor status under the formula test. Section 1.860E-1(c)(8)(i) provides that the transferee is presumed to
pay tax at a rate equal to the highest rate of tax specified in section 11(b). Some commentators were concerned that this presumed
rate of taxation was too high because it does not take into consideration taxpayers subject to the alternative minimum tax rate. In
light of the comments received, this provision has been amended in the final regulations to allow certain transferees that compute
their taxable income using the alternative minimum tax rate to use the alternative minimum tax rate applicable to
corporations.

Additionally, Sec. 1.860E-1(c)(8)(iii) provides that the present values
in the formula test are to be computed using a discount rate equal to the applicable Federal short-term rate prescribed by section
1274(d). This is a change from the proposed regulation and Rev. Proc. 2001-12. In those publications the provision stated that
“present values are computed using a discount rate equal to the applicable Federal rate prescribed in section 1274(d)
compounded semiannually” and that “[a] lower discount rate may be used if the transferee can demonstrate that it
regularly borrows, in the course of its trade or business, substantial funds at such lower rate from an unrelated third
party.”  The IRS and the Treasury Department have learned that, based on this provision, certain taxpayers have been
attempting to use unrealistically low or zero interest rates to satisfy the formula test, frustrating the intent of the test.
Furthermore, the Treasury Department and the IRS believe that a rule allowing for a rate other than a rate based on an objective
index would add unnecessary complexity to the safe harbor. As a result, the rule in the proposed regulations that permits a
transferee to use a lower discount rate, if the transferee can demonstrate that it regularly borrows substantial funds at such
lower rate, is not included in the final regulations; and the Federal short-term rate has been substituted for the applicable
Federal rate. To simplify taxpayers' computations, the final regulations allow use of any of the published short-term rates,
provided that the present values are computed with a corresponding period of compounding. With the exception of the provisions
relating to transfers to foreign branches, these changes generally have the proposed applicability date of February 4, 2000, but
taxpayers may choose to apply the interest rate formula set forth in the proposed regulation and Rev. Proc. 2001-12 for transfers
occurring before August 19, 2002.

It is anticipated that when final regulations are adopted with respect
to FASITs, Sec. 1.860H-6(g) of the proposed regulations will be adopted in substantially its present form, with the result that the
final regulations contained in this document will also govern transfers of FASIT ownership interests with substantially the same
applicability date as is contained in this document.

Effect on Other Documents

Rev. Proc. 2001-12 (2001-3 I.R.B. 335) is obsolete for transfers of
noneconomic residual interests in REMICs occurring on or after August 19, 2002.

Special Analyses

It is hereby certified that these regulations will not have a
significant economic impact on a substantial number of small entities. This certification is based on the fact that it is unlikely
that a substantial number of small entities will hold REMIC residual interests. Therefore, a Regulatory Flexibility Analysis under
the Regulatory Flexibility Act (5 U.S.C. chapter 6) is not required. It has been determined that this Treasury decision is not a
significant regulatory action as defined in Executive Order 12866. Therefore, a regulatory assessment is not required. It also has
been determined that sections 553(b) and 553(d) of the Administrative Procedure Act (5 U.S.C. chapter 5) do not apply to these
regulations.

Drafting Information

The principal author of these regulations is Courtney Shepardson.
However, other personnel from the IRS and Treasury Department participated in their development.

List of Subjects

26 CFR Part 1

Income taxes, Reporting and record keeping requirements.

26 CFR Part 602

Reporting and record keeping requirements.

Adoption of Amendments to the Regulations

Accordingly, 26 CFR parts 1 and 602 are amended as follows:

PART 1--INCOME TAXES

Paragraph 1. The authority citation for part 1 continues to read in
part as follows:

    Authority: 26 U.S.C. 7805 * * *

 

	
Exhibit K

 

 

[Reserved]

 

 

	
Exhibit L

 

 

	
[FORM OF RULE 144A INVESTMENT REPRESENTATION]

	
 

	
Description of Rule 144A Securities, including numbers:

 

	
___________________________________

	
___________________________________

	
___________________________________

	
___________________________________

 

 

The undersigned  seller, as registered holder (the
“Seller”), intends to transfer the Rule 144A Securities described above to the undersigned buyer (the
“Buyer”).

1.         In connection with
such transfer and in accordance with the agreements pursuant to which the Rule 144A Securities were issued, the Seller hereby
certifies the following facts: Neither the Seller nor anyone acting on its behalf has offered, transferred, pledged, sold or
otherwise disposed of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security to, or
solicited any offer to buy or accept a transfer, pledge or other disposition of the Rule 144A Securities, any interest in the Rule
144A Securities or any other similar security from, or otherwise approached or negotiated with respect to the Rule 144A Securities,
any interest in the Rule 144A Securities or any other similar security with, any person in any manner, or made any general
solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a
distribution of the Rule 144A Securities under the Securities Act of 1933, as amended (the “1933 Act”), or that would
render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration pursuant
thereto, and that the Seller has not offered the Rule 144A Securities to any person other than the Buyer or another
“qualified institutional buyer” as defined in Rule 144A under the 1933 Act.

2.         The Buyer warrants
and represents to, and covenants with, the Seller, the Trustee, the Trust and the Servicer (as defined in Section 1.01 of the
Pooling and Servicing Agreement (the “Agreement”) dated as of November 1, 2005 among WaMu Asset Acceptance Corp., as
Depositor, Washington Mutual Bank, as Servicer, Deutsche Bank National Trust Company, as Trustee, and Deutsche Bank Trust Company
Delaware, as Delaware Trustee) pursuant to Section 5.01(f) of the Agreement, as follows:

a.         The Buyer
understands that the Rule 144A Securities have not been registered under the 1933 Act or the securities laws of any
state.

b.         The Buyer
considers itself a substantial, sophisticated institutional investor having such knowledge and experience in financial and business
matters that it is capable of evaluating the merits and risks of investment in the Rule 144A Securities.

c.         The Buyer
has received and reviewed the Private Placement Memorandum dated November 23, 2005 relating to the Rule 144A Securities and has
been furnished with all information regarding the Rule 144A Securities that it has requested from the Seller, the Trustee, the
Company or the Servicer.

d.         Neither the
Buyer nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule 144A Securities,
any interest in the Rule 144A Securities or any other similar security to, or solicited any offer to buy or accept a transfer,
pledge or other disposition of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security
from, or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or
any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in
any other manner, or taken any other action, that would constitute a distribution of the Rule 144A Securities under the 1933 Act or
that would render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration
pursuant thereto, nor will it act, nor has it authorized or will it authorize any person to act, in such manner with respect to the
Rule 144A Securities.

e.         The Buyer is
a “qualified institutional buyer” as that term is defined in Rule 144A under the 1933 Act and has (1) completed either
of the forms of certification to that effect attached hereto as Annex 1 or Annex 2, or (2) obtained the waiver of the Company with
respect to Annex 1 and Annex 2 pursuant to Section 5.01(f) of the Agreement. The Buyer is aware that the sale to it is
being made in reliance on Rule 144A. The Buyer is acquiring the Rule 144A Securities for its own account or the accounts of other
qualified institutional buyers, understands that such Rule 144A Securities may be resold, pledged or transferred only (i) to a
person reasonably believed to be a qualified institutional buyer that purchases for its own account or for the account of a
qualified institutional buyer to whom notice is given that the resale, pledge or transfer is being made in reliance on Rule 144A,
or (ii) pursuant to another exemption from registration under the 1933 Act.

f.          The
Buyer is not affiliated with (i) the Trustee or (ii) any Rating Agency that rated the Rule 144A Securities.

g.         If
applicable, the Buyer has complied, and will continue to comply, with the guidelines established by Thrift Bulletin 13a issued
April 23, 1998, by the Office of Regulatory Activities of the Federal Home Loan Bank System.

3.         This document may be
executed in one or more counterparts and by the different parties hereto on separate counterparts, each of which, when so executed,
shall be deemed to be an original; such counterparts, together, shall constitute one and the same document.

IN WITNESS WHEREOF, each of the parties has executed this document as
of the date set forth below.

 

	
___________________________________

	
 

	
___________________________________

	
Print Name of Seller

	
 

	
Print Name of Buyer

	
 

	
 

	
 

	
By:

	
______________________________

	
 

	
By:

	
______________________________

	
 

	
Name:

	
 

	
 

	
Name:

	
 

	
Title:

	
 

	
 

	
Title:

	
 

	
 

	
 

	
Taxpayer Identification Number:

	
 

	
Taxpayer Identification Number:

	
___________________________________

	
 

	
___________________________________

	
Date:

	
___________________________

	
 

	
Date:

	
___________________________

							

 

	
Annex 1 to Exhibit L

 

 

	
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

	
 

	
[For Buyers Other Than Registered Investment Companies]

 

 

The undersigned hereby certifies as follows in connection with the Rule
144A Investment Representation to which this Certification is attached:

1.         As indicated below,
the undersigned is the President, Chief Financial Officer, Senior Vice President or other executive officer of the
Buyer.

2.         In connection with
purchases by the Buyer, the Buyer is a “qualified institutional buyer” as that term is defined in Rule 144A under the
Securities Act of 1933 (“Rule 144A”) because (i) the Buyer owned and/or invested on a discretionary basis
$______________________ (the Buyer must own and/or invest on a discretionary basis at least $100,000,000 in securities unless the
Buyer is a dealer, and, in that case, the Buyer must own and/or invest on a discretionary basis at least $10,000,000 in securities)
in securities (except for the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such
amount being calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the criteria in the category marked
below.

	

___

	

Corporation,
etc. The Buyer is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts
or similar business trust, partnership, or charitable organization described in Section 501(c)(3) of the Internal Revenue Code.

	

___

	

Bank. The
Buyer (a) is a national bank or banking institution organized under the laws of any State, territory or the District of Columbia,
the business of which is substantially confined to banking and is supervised by the State or territorial banking commission or
similar official or is a foreign bank or equivalent institution, and (b) has an audited net worth of at least $25,000,000 as
demonstrated in its latest annual financial statements, a copy of which is attached hereto.

	

___

	

Savings and
Loan. The Buyer (a) is a savings and loan association, building and loan association, cooperative bank, homestead
association or similar institution, which is supervised and examined by a State or Federal authority having supervision over any
such institutions or is a foreign savings and loan association or equivalent institution and (b) has an audited net worth of at
least $25,000,000 as demonstrated in its latest annual financial statements.

	

___

	

Broker-Dealer.
The Buyer is a dealer registered pursuant to Section 15 of the Securities Exchange Act of 1934.

	

___

	

Insurance
Company. The Buyer is an insurance company whose primary and predominant business activity is the writing of insurance
or the reinsuring of risks underwritten by insurance companies and which is subject to supervision by the insurance commissioner or
a similar official or agency of a State or territory or the District of Columbia.

	

___

	

State or Local
Plan. The Buyer is a plan established and maintained by a State, its political subdivisions, or any agency or
instrumentality of the State or its political subdivisions, for the benefit of its employees.

	

___

	

ERISA Plan.
The Buyer is an employee benefit plan within the meaning of Section 3(3) of the Employee Retirement Income Security Act of 1974, as
amended (“ERISA”) and is subject to the fiduciary responsibility provisions of ERISA.

	

___

	

Investment
Adviser. The Buyer is an investment adviser registered under the Investment Advisers Act of 1940.

	

___

	

SBIC. The
Buyer is a Small Business Investment Company licensed by the U.S. Small Business Administration under Section 301(c) or (d) of the
Small Business Investment Act of 1958.

	

___

	

Business Development
Company. The Buyer is a business development company as defined in Section 202(a)(22) of the Investment Advisers Act of
1940.

	

___

	

Trust Fund.
The Buyer is a trust fund whose trustee is a bank or trust company and whose participants are exclusively (a) plans established and
maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for
the benefit of its employees, or (b) employee benefit plans within the meaning of Title I of the Employee Retirement Income
Security Act of 1974, but is not a trust fund that includes as participants individual retirement accounts or H.R. 10 plans.

3.         The term
“securities” as used herein does not include (i) securities of issuers that are affiliated with the
Buyer, (ii) securities that are part of an unsold allotment to or subscription by the Buyer, if the Buyer is a dealer,
(iii) bank deposit notes and certificates of deposit, (iv) loan participations, (v) repurchase agreements,
(vi) securities owned but subject to a repurchase agreement and (vii) currency, interest rate and commodity
swaps.

4.         For purposes of
determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Buyer, the Buyer used the cost
of such securities to the Buyer and did not include any of the securities referred to in the preceding paragraph. Further, in
determining such aggregate amount, the Buyer may have included securities owned by subsidiaries of the  Buyer,  but only
if such subsidiaries are consolidated with the Buyer in its financial statements prepared in accordance with generally accepted
accounting principles and if the investments of such subsidiaries are managed under the Buyer's direction. However, such securities
were not included if the Buyer is a majority-owned, consolidated subsidiary of another enterprise and the Buyer is not itself a
reporting company under the Securities Exchange Act of 1934.

5.         The Buyer
acknowledges that it is familiar with Rule 144A and understands that the seller to it and other parties related to the Certificates
are relying and will continue to rely on the statements made herein because one or more sales to the Buyer may be in reliance on
Rule 144A.

	

_____

	

 

	

_____

	
 

	
Will the Buyer be purchasing the Rule 144A Securities for the
Buyer’s own account?

	

Yes

	

No

 

6.         If the answer to the
foregoing question is “no”, the Buyer agrees that, in connection with any purchase of securities sold to the Buyer for
the account of a third party (including any separate account) in reliance on Rule 144A, the Buyer will only purchase for the
account of a third party that at the time is a “qualified institutional buyer” within the meaning of Rule 144A. In
addition, the Buyer agrees that the Buyer will not purchase securities for a third party unless the Buyer has obtained a current
representation letter from such third party or taken other appropriate steps contemplated by Rule 144A to conclude that such
third party independently meets the definition of “qualified institutional buyer” set forth in
Rule 144A.

7.         The Buyer will
notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such
notice is given, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification as of the date
of such purchase.

 

 

	

 

	
 

	

___________________________________

	

 

	
 

	

Print Name of
Buyer

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By:

	
______________________________

	
 

	
 

	
 

	
 

	
Name:

	
 

	
 

	
 

	
 

	
Title:

	
 

	
 

	
 

	
 

	
 

	
 

	
Date:

	
____________________________

	
 

	
 

	
 

	
 

	
 

							

 

	
Annex 2 to Exhibit L

 

 

	
QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

	
 

	
[For Buyers That Are Registered Investment Companies]

 

 

 

The undersigned hereby certifies as follows in connection with the Rule
144A Investment Representation to which this Certification is attached:

1.         As indicated below,
the undersigned is the President, Chief Financial Officer or Senior Vice President of the Buyer or, if the Buyer is a
“qualified institutional buyer” as that term is defined in Rule 144A under the Securities Act of 1933 (“Rule
144A”) because Buyer is part of a Family of Investment Companies (as defined below), is such an officer of the
Adviser.

2.         In connection with
purchases by Buyer, the Buyer is a “qualified institutional buyer” as defined in SEC Rule 144A because (i) the Buyer is
an investment company registered under the Investment Company Act of 1940, and (ii) as marked below, the Buyer alone, or the
Buyer's Family of Investment Companies, owned at least $100,000,000 in securities (other than the excluded securities referred to
below) as of the end of the Buyer's most recent fiscal year. For purposes of determining the amount of securities owned by the
Buyer or the Buyer's Family of Investment Companies, the cost of such securities was used.

	

____

	

The Buyer owned
$___________________ in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent
fiscal year (such amount being calculated in accordance with Rule 144A).

	

____

	

The Buyer is part of a
Family of Investment Companies which owned in the aggregate $______________ in securities (other than the excluded securities
referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule
144A).

3.         The term
“Family of Investment Companies” as used herein means two or more registered investment companies (or series
thereof) that have the same investment adviser or investment advisers that are affiliated (by virtue of being majority owned
subsidiaries of the same parent or because one investment adviser is a majority owned subsidiary of the other).

4.         The term
“securities” as used herein does not include (i) securities of issuers that are affiliated with the Buyer or are
part of the Buyer's Family of Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii) loan participations,
(iv) repurchase agreements, (v) securities owned but subject to a repurchase agreement and (vi) currency, interest rate and
commodity swaps.

5.         The Buyer is
familiar with Rule 144A and understands that each of the parties to which this certification is made are relying and will continue
to rely on the statements made herein because one or more sales to the Buyer will be in reliance on Rule 144A. In addition, the
Buyer will only purchase for the Buyer's own account.

6.         The undersigned will
notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such
notice, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification by the undersigned as of
the date of such purchase.

 

 

	

 

	
 

	

___________________________________

	

 

	
 

	

Print Name of
Buyer

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By:

	
______________________________

	
 

	
 

	
 

	
 

	
Name:

	
 

	
 

	
 

	
 

	
Title:

	
 

	
 

	
 

	
 

	
 

	
 

	
Date:

	
____________________________

	
 

	
 

	
 

	
 

	
 

							

 

 

	
IF AN ADVISER:

	
 

	

___________________________________

	

 

	
 

	

Print Name of
Buyer

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By:

	
______________________________

	
 

	
 

	
 

	
 

	
Name:

	
 

	
 

	
 

	
 

	
Title:

	
 

	
 

	
 

	
 

	
 

	
 

	
Date:

	
____________________________

	
 

	
 

	
 

	
 

	
 

							

 

 

 

 

(SEAL)

 

	
Exhibit M

 

 

	
[Date]

 

 

[Company]

Re:       Pooling and Servicing
Agreement dated as of November 1, 2005 by and among WaMu Asset Acceptance Corp., as Depositor, Washington Mutual Bank, as Servicer,
Deutsche Bank National Trust Company, as Trustee, and Deutsche Bank Trust Company Delaware, as Delaware Trustee, relating to WaMu
Asset Acceptance Corp. WaMu Mortgage Pass-Through Certificates, Series 2005-AR16

Ladies and Gentlemen:

In accordance with Section 2.07 of the above-captioned Pooling and
Servicing Agreement, the undersigned, as [Trustee] [Initial Custodian], hereby certifies that, except as noted on the attachment
hereto, as to each Mortgage Loan listed in the Mortgage Loan Schedule (other than any Mortgage Loan paid in full or listed on the
attachment hereto) it has reviewed the documents delivered to it pursuant to Section 2.05 of the Pooling and Servicing Agreement
and has determined that (i) all documents required (in the case of instruments described in clauses (X)(ii), (X)(iv) and (Y)(ix) of
the definition of “Mortgage File,” known by it to be required) pursuant to the definition of “Mortgage
File” and Section 2.05 of the Pooling and Servicing Agreement to have been executed and received as of the date hereof are in
its possession and (ii) all such documents have been executed and relate to the Mortgage Loans identified in the Mortgage Loan
Schedule. The [Trustee] [Initial Custodian] has made no independent examination of such documents beyond the review specifically
required in the above referenced Pooling and Servicing Agreement and has relied upon the purported genuineness and due execution of
any such documents and upon the purported genuineness of any signature thereon. The [Trustee] [Initial Custodian] makes no
representations as to: (i) the validity, legality, enforceability or genuineness of any of the documents contained in each Mortgage
File or any of the Mortgage Loans identified on the Mortgage Loan Schedule, or (ii) the collectability, insurability, effectiveness
or suitability of any such Mortgage Loan.

Capitalized words and phrases used herein shall have the respective
meanings assigned to them in the above-captioned Pooling and Servicing Agreement.

 

 

	
 

	
 

	
___________________________________

	

 

	
 

	

as [Trustee] [Initial
Custodian]

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By:

	
______________________________

	
 

	
 

	
 

	
 

	
Name:

	
 

	
 

	
 

	
 

	
Title:

 

	
Exhibit N

 

 

	
BENEFIT PLAN AFFIDAVIT

 

Deutsche Bank National Trust Company, as Trustee (the
“Trustee”)

1761 East St. Andrew Place

Santa Ana, CA 92705

Attn: Trust Administration WA05AC

 

WaMu Asset Acceptance Corp. (“Washington
Mutual”)

1201 Third Avenue, WMT 1706A

Seattle, WA 98101

 

RE:       CLASS [B-4][B-5][B-6]
CERTIFICATES (THE “PURCHASED CERTIFICATES”) ISSUED BY WaMu MORTGAGE PASS-THROUGH CERTIFICATES SERIES 2005-AR16 TRUST
(THE “TRUST”)

Under penalties of perjury, I, _____________________, declare that, to
the best of my knowledge and belief, the following representations are true, correct and complete; and

1.         That I am the
_______________ of __________________ (the “Purchaser”), whose taxpayer identification number is  ___________, and
on behalf of which I have the authority to make this affidavit.

2.         That the Purchaser
is acquiring a Purchased Certificate representing an interest in the assets of the Trust.

3.         That the Purchaser
satisfies the condition in the paragraph marked below [mark one paragraph only]:

	

___

	

The Purchaser is not an
employee benefit plan or other plan subject to the prohibited transaction provisions of the Employee Retirement Income Security Act
of 1974, as amended, or Section 4975 of the Internal Revenue Code of 1986, as amended (a “Plan”), or any other person
(including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of, or
purchasing any of the Purchased Certificates with “plan assets” of, any Plan within the meaning of the Department of
Labor (“DOL”) regulation at 29 C.F.R. Section 2510.3-101.

	

___

	

The Purchaser is an
insurance company, the source of funds to be used by it to acquire or hold the Purchased Certificate is an “insurance company
general account” (within the meaning of DOL Prohibited Transaction Class Exemption (“PTCE”) 95-60), and the
conditions in Sections I and III of PTCE 95-60 have been satisfied.

	

___

	

The Purchaser has delivered
to Washington Mutual and the Trustee a Benefit Plan Opinion (as defined in Section 1.01 of the Pooling and Servicing Agreement,
dated as of November 1, 2005, by and among Washington Mutual, the Servicer, the Trustee and the Delaware Trustee thereunder, and
relating to the Trust).

 

IN WITNESS WHEREOF, the Purchaser has caused this
instrument to be duly executed on its behalf, by its duly authorized officer this _____ day of __________________, 20__.

 

	
 

	
 

	
[Purchaser]

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By:

	
_________________________________

	
 

	
 

	
 

	
 

	
Its:

 

 

Personally appeared before me ______________________, known or proved
to me to be the same person who executed the foregoing instrument and to be a ________________ of the Purchaser, and acknowledged
to me that (s)he executed the same as his/her free act and deed and as the free act and deed of the Purchaser.

SUBSCRIBED and SWORN to before me this day of ____________,
20__.

 

 

 

	

 

	
 

	

____________________________________

	
 

	
 

	
Notary Public

 

 

	
Exhibit O

 

 

	
BENEFIT PLAN AFFIDAVIT

 

 

 

Deutsche Bank National Trust Company, as Trustee (the
“Trustee”)

1761 East St. Andrew Place

Santa Ana, CA 92705

Attn: Trust Administration WA05AC

 

WaMu Asset Acceptance Corp. (“Washington
Mutual”)

1201 Third Avenue, WMT 1706A

|Seattle, WA 98101

 

RE:       CLASS [B-1][B-2][B-3]
CERTIFICATES (THE “PURCHASED CERTIFICATES”) ISSUED BY WaMu MORTGAGE PASS-THROUGH CERTIFICATES SERIES 2005-AR16 TRUST
(THE “TRUST”)

 

Under penalties of perjury, I, _____________________, declare that, to
the best of my knowledge and belief, the following representations are true, correct and complete; and

1.         That I am the
_______________ of __________________ (the “Purchaser”), whose taxpayer identification number is  ___________, and
on behalf of which I have the authority to make this affidavit.

2.         That the Purchaser
is acquiring a Purchased Certificate representing an interest in the assets of the Trust.

3.         That the Purchaser
satisfies the condition in the paragraph marked below [mark one paragraph only]:

	

___

	

The Purchaser is not an
employee benefit or other plan subject to the prohibited transaction provisions of the Employee Retirement Income Security Act of
1974, as amended (“ERISA”), or Section 4975 of the Internal Revenue Code of 1986, as amended (a “Plan”), or
any other person (including an investment manager, a named fiduciary or a trustee of any such Plan) acting, directly or indirectly,
on behalf of or purchasing the Purchased Certificate with “plan assets” of, any Plan within the meaning of the
Department of Labor (“DOL”) regulation at 29 C.F.R. Section 2510.3-101.

	

___

	

The Purchaser is an
insurance company, the source of funds to be used by it to acquire or hold the Purchased Certificate is an “insurance company
general account” (within the meaning of DOL Prohibited Transaction Class Exemption (“PTCE”) 95-60), and the
conditions in Sections I and III of PTCE 95-60 have been satisfied.

	

___

	

The Purchased Certificate
was rated “BBB-” or better (or its equivalent) by at least one of the Rating Agencies (as defined in Section 1.01 of
the Pooling and Servicing Agreement (the “Pooling and Servicing Agreement”), dated as of November 1, 2005, by and among
Washington Mutual, the Servicer, the Trustee and the Delaware Trustee thereunder, and relating to the Trust) at the time of
Purchaser’s acquisition of the Purchased Certificate (or interest therein).

	

___

	

The Purchaser has delivered
to Washington Mutual and the Trustee a Benefit Plan Opinion (as defined in Section 1.01 of the Pooling and Servicing
Agreement).

 

 

IN WITNESS WHEREOF, the Purchaser has caused this
instrument to be duly executed on its behalf, by its duly authorized officer this _____ day of __________________, 20__.

 

	
 

	
 

	
[Purchaser]

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
By:

	
_________________________________

	
 

	
 

	
 

	
 

	
Its:

 

 

Personally appeared before me ______________________, known or proved
to me to be the same person who executed the foregoing instrument and to be a ________________ of the Purchaser, and acknowledged
to me that (s)he executed the same as his/her free act and deed and as the free act and deed of the Purchaser.

SUBSCRIBED and SWORN to before me this day of ____________,
20__.

 

 

	
 

	
 

	
___________________________________

	

 

	
 

	

Notary Public<PDF>
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