Document:

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                                                                   EXHIBIT 10.27

                           ALTIGEN COMMUNICATIONS INC.

                             DISTRIBUTION AGREEMENT

     THIS DISTRIBUTION AGREEMENT ("Agreement") is made and entered into as of
this 22nd day of December, 1999, (the "Effective Date") by and between ALTIGEN
COMMUNICATIONS INC., a California corporation, with principal offices at 47427
Fremont Blvd., Fremont, CA 94538 ("AltiGen") and SYNNEX INFORMATION
TECHNOLOGIES, INC., a California corporation, with principal offices at 3797
Spinnaker Court, Fremont, California, 94538 ("Distributor"); both jointly
referred to herein as "The Parties".

     1.   DEFINITIONS

          1.1   DEALER means any individual or entity which acquires the
Products for the express purpose of resale to others, whether such resale is of
the Product as a standalone product, as bundled and sold with other software or
hardware products, as integrated with other software or hardware products or as
sold with associated services.

          1.2   END USER means a licensee who acquires Products for Internal Use
(rather than distribution or resale) in accordance with the terms of an End-User
License Agreement substantially in the form of the End-User License Agreement
attached hereto as Exhibit A (the "End-User Agreement").

          1.3   INTERNAL USE means use for purposes which do not directly
produce revenue for the End User. "Internal Use" does not include timesharing.

          1.4   INTELLECTUAL PROPERTY means any patent, copyright, trade name,
trademark, trade secret, know-how, mask work or any other intellectual property
right or proprietary information or technology, whether registered or
unregistered.

          1.5   PRODUCT means software program packages and physical computer
hardware, including (1) a program code, in object code form only, on diskette(s)
or CD-ROM (the "Program"); (2) physical computer hardware including computer
boards, computer power supply, computer cables (the "PC Hardware"); (3)
instruction booklets and other information prepared for End-Users concerning the
use of the program and computer hardware ("Documentation"); (4) an End-User
Agreement. The Products include only those listed by title and functional
description on the "Product and Price List" attached hereto as Exhibit B.

          1.6   PURCHASE OBJECTIVES means the minimum quantity of each Product
which Distributor commits to purchase quarterly during the term of this
Agreement, as mutually agreed upon and set forth in Exhibit C attached hereto.
These quarterly purchase objectives are to serve as goals and a means to track
progress but are nonbinding.

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          1.7   TERRITORY shall be described in Exhibit E.

          1.8   GRANT OF DISTRIBUTION Right Subject to the terms and conditions
set forth in this Agreement, AltiGen hereby grants to Distributor a
non-exclusive, non-transferable right to (a) market and distribute the Products
solely to Dealers located in the Territory as stated in Exhibit E and (b) use
the Products for those purposes set forth in the Agreement. Distributor shall
not, knowingly directly or indirectly, solicit sales of the Products outside of
the Territory without the prior written consent of AltiGen. AltiGen retains the
right to sell the Products directly to other parties in the Territory,
including, by way of illustration but not limitation, distributors, Dealers, and
original equipment manufacturers. Distributor shall have no right to modify the
Product or Documentation without the prior written approval of AltiGen.
Distributor agrees not to (a) reverse engineer, decompile, disassemble or
otherwise reduce the Product to human-perceivable form, or to knowingly
encourage or assist third parties in doing so or (b) distribute the Product by
rental or lease to end users. All rights not expressly granted herein are
retained by AltiGen. Distributor shall have no right to grant a Dealer the right
to make copies from a golden master absent further agreement between AltiGen and
the Distributor.

     2.   OWNERSHIP

          Except as specified in this agreement, AltiGen does not grant to the
distributor any rights in or to any intellectual property related to the product
or to any materials furnished hereunder. The intellectual property embodied in
the product all modifications thereto, and all documentation thereof, are
proprietary to AltiGen, and AltiGen retains all right, title and interest in and
to such intellectual property.

     3.   PRICES AND PAYMENTS

          3.1   PRICES. Distributor shall pay AltiGen, for each Product and
upgrade, the list price for the Product as set forth on Exhibit B, less any
Distributor discount listed in Exhibit B. Both the AltiGen standard list price
and the Distributor's discount levels are subject to change by AltiGen from time
to time in its sole discretion upon [*****] written notice to Distributor.
Orders requesting delivery after the [*****] of written notice of price or
discount change will be charged at the new price or discount level.

          3.2   DISTRIBUTOR PRICING. Distributor is free to determine its own
resale prices for the Products. Although AltiGen may publish suggested list
prices, these are suggestions only and are not binding in any way. However,
Distributor agrees that any discounts it may offer (from suggested applicable
list prices that may be published by AltiGen) shall be commercially reasonable
and consistent with industry practices providing Distributor commercially
reasonable margins for its resale activities with respect to the Products.
Manufacturer agrees to extend to Distributor equal pricing as is given to other
like Distributors.

          3.3   DEALER PRICING. Distributor shall inform each of its Dealers
that it is free to determine its own retail prices and that, although AltiGen
may publish suggested retail price lists, they are suggestions only and are not
binding in any way.

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          3.4   INITIAL ORDER. Within [*****] of the Effective Date, Distributor
shall deliver to AltiGen a purchase order for an aggregate price of [*****].
This order will include a onetime only payment term of [*****] and an
unconditional return of any items not sold within the initial [*****].

          3.5   PAYMENT. Upon approval of credit by AltiGen, payment for
additional orders shall be due and payable within [*****] days following receipt
of invoice or on such terms as may be otherwise specified in AltiGen's invoice.
All Products ordered in excess of any credit limit shall be paid for as agreed
upon by AltiGen and Distributor. These terms and conditions will be communicated
in writing within forty-eight hours to Distributor to resolve or accept currency
in advance of shipment, by a letter of credit drawn upon a bank acceptable to
AltiGen and Distributor, a bank cashier's check, or a bank wire transfer.
AltiGen reserves the right to vary, change, or limit the amount or duration of
credit to be allowed to Distributor, either generally or with respect to a
particular order. In the event AltiGen does not extend credit to Distributor,
payment for all purchases hereunder shall be made in advance of shipment or, at
AltiGen's option, C.O.D. If Distributor fails to meet its payment obligations
under the Agreement and such failure continues for [*****] following receipt of
written notice from AltiGen this Agreement will or may be terminated which is
described in section 12.2 of this Agreement.

                     (A) RIGHT TO WITHHOLD. Notwithstanding any other provision
in this Agreement to the contrary, Distributor shall not be deemed in default if
it withholds any specific amount to AltiGen because of a legitimate dispute
between the parties as to that specific amount pending the timely resolution of
the disputed amount.

          3.6   PRICE PROTECTION.

                     (A) DISTRIBUTOR PRICE PROTECTION. AltiGen shall notify
Distributor of the effective date of a [*****] for any of the Products covered
herein. All inventory acquired by Distributor from AltiGen prior to the
effective date of the [*****] and not yet sold or under a contract for sale will
be granted price protection as set forth herein. This will also include any
product order accepted by AltiGen that has not shipped, all product in transit
from AltiGen to Distributor's warehouse and product in transit between
Distributor's warehouses during the less than [*****] period before the
effective date of the [*****] and not yet sold or under a contract for sale will
be granted price protection as set forth herein. For each such copy of Product,
the [*****] will be credited to Distributor's account. To obtain price
protection, within [*****] of receipt of AltiGen's notice of the [*****],
Distributor shall provide to AltiGen a written inventory report showing by part
number the quantity of each AltiGen Product in the Distributor's inventory as of
the effective date of the [*****]. [*****].

                     (B) DEALER PRICE PROTECTION. On a case by case basis,
AltiGen will grant price protection for Distributor's dealers at AltiGen's
discretion. To obtain price protection for its Dealers, Distributor (i) shall
provide to AltiGen a written shipment report showing by part number the quantity
of each AltiGen Product shipped to a Dealer less than [*****] before the
effective date of this [*****], including the identity of each Dealer, the
Products sold, and the date of shipment and (ii) shall provide, or require its
Dealers to provide, a written Dealer inventory report showing by part number the
quantity of each AltiGen Product in Dealer's inventory as of the effective date
of the [*****]. If Distributor provides such reports to AltiGen within [*****]
of Distributor's receipt of

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AltiGen's notice of a [*****], AltiGen shall credit the Distributor's account
for the [*****]. [*****]. [*****].

          3.7   STOCK ROTATION.

                     (A) INVENTORY BALANCING. Provided that the Distributor
issues a simultaneous offsetting purchase order, Distributor may, once during
each quarter, return for credit Product purchased for up to a maximum of [*****]
of net dollar sales invoiced by AltiGen during the immediately preceding
quarter. The credit issued for the returned inventory will be based on the
[*****] at which the Products were available to Distributor during the period
commencing with the date on which the Product was purchased and ending on the
date the Product was returned, and may be used on a dollar-for-dollar basis
solely to purchase additional Product pursuant to the offsetting purchase order.
The right to balance inventory granted herein must be exercised by the last day
of the second month of the quarter. Distributor shall submit a request for
authorization to return Product for inventory balancing which shall state the
quantity of Product to be returned. Upon receipt of such request, AltiGen shall
issue a Return of Materials Authorization (RMA) number no later than 1 week
after the request is acknowledged by AltiGen, Inc. Inventory returned under this
section must be accompanied by a return of materials authorization number
assigned by AltiGen and (i) in merchantable condition, in its factory-sealed
packaging. All Product returned under this subsection (a) shall be returned
within thirty (30) days of the date of issuance of the return of materials
authorization number. AltiGen shall pay for the shipping of returned Products to
AltiGen and Distributor shall pay for the shipping of replacement Product sent
to Distributor.

                     (B) DEFECTIVE PRODUCT/DEAD ON ARRIVAL (DOA). Distributor
may return any product to AltiGen that its customer finds defective as detailed
in the End User Agreement described in Exhibit A. Inventory returned under this
section must be accompanied by a return of materials authorization number
assigned by AltiGen. All Product returned under this section shall be returned
within thirty (30) days of the date of issuance of the return of materials
authorization number, and if the returned Product is returned because defective
by virtue of being in breach of the warranty provided for in the End User
Agreement, returned with the entire contents of such Product package. The credit
issued for the returned products will be based on the Product's purchase price,
less any discounts or credits previously received. AltiGen shall pay for the
shipping of returned Products to AltiGen and for the shipping of replacement
Product sent to Distributor. AltiGen will specify account number and carrier at
time of RMA issuance.

                     (C) PRODUCT REFRESH. AltiGen may, at its sole discretion,
modify the Products. For purposes of this Agreement, AltiGen shall have sole
discretion as to whether a Product is deemed to be a new version of an existing
Product to be provided to Distributor under the terms of this Agreement or a new
product requiring execution of an appendix to this Agreement prior to
distribution. Once a new version of a Product covered by this Agreement begins
shipping, Distributor shall have thirty (30) days from the first AltiGen
shipment date of the new version to Distributor, or from written notification by
AltiGen of the new version, whichever is later, (i) to submit an offsetting
purchase order for an equal dollar-for-dollar value of the new version of the
Product and (ii) to return Product from the prior release from Distributor's
inventory that was shipped by AltiGen to Distributor within the previous ninety
(90) days. Such returns shall be shipped at AltiGen expense using AltiGen
Communication's account number and carrier which will

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be specified at time of RMA issuance, and the offsetting Purchase Order shipment
will be paid for by Distributor as described in section 5.7 and 5.8 of this
agreement. Returned Product will be exchanged by AltiGen on a dollar for dollar
basis, proportional with any price increase or decrease, with the new version of
the Product and shipped to Distributor at AltiGen expense. Product returned
under this provision must be in merchantable condition and in its original
factory-sealed packaging. The right to refresh Product under this subsection (b)
shall be in addition to Distributor's inventory balancing right under subsection
(a) above.

                     (D) PRODUCT DISCONTINUATION. AltiGen shall provide
Distributor with thirty (30) days written notice prior to AltiGen's
discontinuation of any Product. Upon receipt of such notice, Distributor shall
have the right to return all discontinued Products purchased within sixty (60)
days of the notice of discontinuation for a credit to Distributor's account of
the Product's purchase price less any discounts or credits previously received.
The rights to return discontinued Product under this subsection (d) shall be in
addition to Distributor's inventory balancing right under subsection (a) above.

          3.8   DISTRIBUTOR FINANCIAL CONDITION. Distributor represents and
warrants that it is and at all times during the term of this Agreement shall
remain in good financial condition, solvent and able to pay its bills when due.
Distributor further represents and warrants that it has and at all times during
the term of this Agreement shall retain the ability to order and pay for all
Product purchased. From time to time, on reasonable notice from AltiGen,
Distributor shall furnish Annual Reports, 10K, 10Q reports or other similar
reports that are supplied to other partners of Distributor.

          3.9   TAXES. Prices calculated in accordance with Exhibit B are
exclusive of all applicable taxes. Distributor agrees to pay all taxes
associated with the marketing, distribution and delivery of the Products
ordered, including but not limited to sales, use, excise, added value and
similar taxes and all customs, duties or governmental impositions, but excluding
taxes on AltiGen's net income. Any tax or duty AltiGen may be required to
collect or pay upon the marketing or delivery of the Products shall be paid by
Distributor and such sums shall be due and payable to AltiGen upon delivery. If
claiming a tax exemption, Distributor must provide AltiGen with valid tax
exemption certificates at the time of invoicing.

     4.   PRODUCT CHANGES

     AltiGen shall have the right, in its sole discretion, without liability
to Distributor, with written thirty (30) day notice, to (a) change the Products
available on the Product List, (b) change the design, or discontinue developing,
producing, licensing or distributing any of the Products covered by this
Agreement, and (c) announce new products to which the terms and conditions of
this Agreement do not apply. The parties agree that additional Products may be
added to the Agreement by execution of an appendix to this Agreement setting
forth any special terms, conditions, modifications or deletions necessary for
the additional Products. Additional Products shall be deemed to be added to this
Agreement to the extent AltiGen accepts any purchase orders for Products not
otherwise listed on the Product List.

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     5.   ORDERS

          5.1   PROCEDURE. All orders for Products placed by Distributor shall
be in writing, or if placed orally, shall be confirmed in writing within ten
(10) business days after such oral order.

          5.2   ACCEPTANCE OF ORDERS. All orders for Products by Distributor
shall be subject to acceptance by AltiGen and shall not be binding on AltiGen
until the earlier of written confirmation or shipment and, in the case of
acceptance by shipment, only as to the portion of the order actually shipped. If
a rejection is not provided within (5) days of written receipt of the order, it
shall be deemed accepted.

          5.3   CONTROLLING TERMS. The terms and conditions of this Agreement
and of the applicable AltiGen order confirmation pursuant to Section 5.2
("Acceptance of Orders") above, shall apply to each order accepted or shipped by
AltiGen hereunder. Any terms or conditions appearing on the face or reverse side
of any purchase order, acknowledgment, or confirmation other than confirmation
pursuant to Section 5.2 above that are different from or in addition to those
required hereunder shall not be binding on the parties, even if signed and
returned, unless both parties hereto expressly agree in a separate writing to be
bound by such separate or additional terms and conditions.

          5.4   ALTIGEN ORDER CANCELLATION & OBLIGATION TO SHIP IN PRESENCE OF
BREACH. Even where AltiGen accepts a purchase order, AltiGen reserves the right
to cancel or suspend any orders placed by Distributor and accepted by AltiGen,
or to refuse or delay shipment thereof, at the time of scheduled shipment if
Distributor (a) fails to make any payment as provided herein or in any invoice,
(b) fails to meet credit or financial requirements established by AltiGen, or
(c) otherwise fails to comply with the terms and conditions of this Agreement.
If Distributor has a legitimate dispute of an invoice under section 3.5b, orders
will not be held or canceled as a result.

          5.5   DISTRIBUTOR ORDER CANCELLATION. Orders accepted by AltiGen may
be canceled without penalty if written notice of cancellation is given to
AltiGen and the notice is received by AltiGen at least [*****] prior to the
scheduled shipment date. In no event may Distributor cancel any order or any
portion of an order after shipment.

          5.6   PRODUCT AVAILABILITY. AltiGen will use reasonable efforts to
fill orders for Products and meet requests for shipment dates subject to Product
availability and AltiGen production and supply schedules. Should orders for
Products exceed AltiGen's available inventory, AltiGen will allocate its
available inventory on an even and equitable basis, without liability to
Distributor on account of the method of allocation chosen or its implementation.
AltiGen shall not be liable to Distributor or any third party for any damages
due to AltiGen's failure to for any orders or for any delay in delivery or error
in filing any orders for any reason whatsoever.

                     (A) Distributor requires concurrent with the execution of
this Agreement Export Administration Regulations product classification and
supporting documentation: Certificate of Origin (General Use and/or NAFTA),
Export Commodity Control Number's; (ECCN's), General License and/or Individual
Validated License information and Schedule "B"/Harmonized Numbers.

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This applies when distribution rights granted under Section 1.7 are outside the
United States for the initial Product/s and when additions or changes to these
Products occurs.

                     (B) Product Marking AltiGen will clearly mark each unit of
Product with the Product name and computer compatibility. Such packaging will
also bear a machine-readable bar code identifier scannable in standard Uniform
Product Code (UPC) format. The bar code must identify the Product as specified
by the Uniform Code Council (UCC). If the AltiGen or Distributor customers
require serial number tracking, the serial number must be clearly marked and bar
coded on the outside of the individual selling unit. The bar code shall fully
comply with all conditions regarding standard product labeling set forth in
Exhibit B in the then-current Distributor GUIDE TO BAR CODE: THE PRODUCT LABEL.
AltiGen may be assessed a reasonable per unit charge for all Product not in
conformance herewith.

          5.7   DELIVERY. AltiGen will ship Products FOB Destination, unless
otherwise agreed in writing, to Distributor's North American designated location
or freight forwarder via ground transport. Distributor may change the designated
locations by providing AltiGen with written notice of such change, and the
notice is received by AltiGen at least fifteen (15) days prior to the estimated
shipment dates. AltiGen shall ship all Product in accordance with instructions
specified in Distributor's AltiGen Routing Guide attached hereto as Exhibit F.
AltiGen shall, to the extent possible, assist Distributor in making claims with
carriers in the event of loss or damage in transit.

          5.8   RISK OF LOSS. In the case of shipments to shipping destinations
within the United States, exclusive of the rights retained under the Agreement
in trademarks, patents, copyrights, trade names, trade secrets and intellectual
property, and all risk of loss or damage for any Product shall pass to
Distributor upon delivery by AltiGen to the freight carrier regardless of
whether AltiGen or the Distributor has designated the carrier. Title to the
Products will be passed to the Distributor once sold to dealer or paid for by
Distributor, whichever occurs first.

     6.   DISTRIBUTION OBLIGATIONS

          6.1   DISTRIBUTOR DISTRIBUTION. Distributor shall distribute or market
Product: (i) solely to resellers approved by AltiGen under its Authorized Dealer
Program, (ii) subject to Distributor's standard terms and conditions of sale to
its resellers which do not alter or contradict this Agreement and (iii) in the
form received from AltiGen, adhering to the conditions of the End User License
Agreement, Exhibit A stating: You may not modify or translate the Program, the
PC Hardware or the Documentation without the prior written consent of AltiGen.
You may not reverse assemble, reverse compile or otherwise attempt to create the
source code from the Program or the PC Hardware. Distributor shall neither add
to nor remove any documentation included by AltiGen with the Product.

          6.2   AUTHORIZED DEALER PROGRAM. AltiGen has instituted an AltiGen
Authorized Dealer Program. Distributor agrees to market the Products in
compliance with AltiGen's Authorized Dealer Program.

          6.3   BUSINESS PLAN. Within ninety (90) days of the Effective Date of
the contract, Distributor and AltiGen will co-author a business plan setting
forth Distributor's plans for promoting

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the Products, which will be reviewed semiannually, at which time objectives and
performance will be evaluated. Distributor agrees to provide an updated business
plan in accordance with the schedule for updating such as specified by AltiGen.

          6.4   PURCHASE OBJECTIVES; INVENTORY. Distributor and AltiGen shall
agree upon quarterly Purchase Objectives. The initial Purchase Objectives are
stated in Exhibit C with ongoing purchase and business objectives described in
the business plan outlined in 6.3. Distributor shall warehouse and order to meet
market demand and will deliver to resellers in a timely manner. Distributor will
inventory 30 days of product in each of its named warehouses or as deemed by
market conditions.

          6.5   POINT OF SALE AND INVENTORY REPORTS. During the term of
this Agreement, Distributor will provide AltiGen standard sales-out and
inventory reports via its electronic Bulletin Board. Each report will be ready
on the 1st Tuesday of the new month. This report will include the following: (i)
State and zip code*; (ii) Products purchased in this month's reporting,
including returns; (iii) Current distributor's inventory on a weekly basis,
reflecting the previous Friday's close of business inventory; (iv) Six month
trailing history of product sold by region; (v) List of Distributor's open
purchase orders. Such report, with respect to a calendar month, shall be posted.
Distributor shall also provide non-standard reporting data including reseller
name and address subject to the terms and conditions of a separate Proprietary
Information Non-Disclosure Agreement attached hereto as Exhibit G. * POS to
include Dealer name, city, state, zip code and authorization number.

          6.6 CUSTOMER SATISFACTION. Distributor agrees that the Products
marketed under this Agreement are technically complex and require high-quality,
individualized pre-marketing and post-marketing support. This support is
necessary to achieve and maintain high customer satisfaction. Therefore,
Distributor agrees that high customer satisfaction is a condition of
distribution authorization by AltiGen. The distribution channels established by
AltiGen, and the obligations placed on distributors, exist to ensure high
customer satisfaction. Distributor agrees to market the Products only in
accordance with this Agreement. In addition, in order to assure high customer
satisfaction, Distributor agrees to:

          o    Report to AltiGen promptly and in writing all suspected and
               actual problems with any Product.

          o    maintain a shipment report identifying for each Dealer, the
               Products sold, the date of sale, and each Product's serial
               number;

          o    Retain all shipment reports for five years after the date of
               sale, and assist AltiGen, upon request, in tracing a Product to a
               Dealer, in order to distribute critical Product information,
               locate a Product for safety reasons, or discover unauthorized
               marketing or infringing acts;

          o    Conduct business in a manner which reflects favorably at all
               times on the Products, goodwill and reputation of AltiGen.

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          o    Avoid deceptive, misleading or unethical practices, which are or
               might be detrimental to AltiGen or its products.

          o    Refrain from making any false or misleading representations with
               regard to AltiGen or its products; and

          o    Refrain from making any representations, warranties or guarantees
               to customers or to the trade with respect to the specifications,
               features or capabilities of the Products that are inconsistent
               with the literature distributed by AltiGen.

          6.7  PROMOTIONAL EFFORTS. Distributor shall use reasonable commercial
efforts to market and distribute the Products to Dealers in the Territory.
Distributor may advertise the Products in advertising media of Distributor's
choice, provided that the primary audience or circulation is located in the
Territory. Distributor shall make full use of all promotional material supplied
by AltiGen and make available literature and other information that AltiGen
requires to be transmitted to such Dealers. In all advertising and promotion of
the Products, Distributor shall comply with AltiGen standard cooperative
advertising policies as specified from time to time by AltiGen.

          6.8  DEMONSTRATION SYSTEM. Distributor shall maintain a demonstration
system, provided by AltiGen, capable of supporting the most technically advanced
Products. Distributor shall use such demonstration system both to facilitate its
ability to fulfill its Dealer support obligations, and to support its sales
efforts.

          6.9  DISTRIBUTOR PERSONNEL. AltiGen will provide mutually agreed upon
levels of training for Distributor's sales and technical personnel. Distributor
shall train and maintain a sufficient number of capable technical and sales
personnel to serve the demands of Dealers for the Products, for service and
support of the Products, call on all Dealers with reasonable frequency and
answer promptly all Dealer inquiries or requests for information regarding the
Products. Distributor and its staff shall develop and maintain sufficient
knowledge of the industry, the Products, and competitive offerings (including
specifications, features, and functions) so as to be able to demonstrate and
support the Products for Dealers. Distributor shall provide all Dealers with
technical support and other assistance appropriate for the promotion, marketing,
and distribution of the Products. Distributor shall attend AltiGen distribution
meetings, as appropriate.

     7.   SUPPORT AND MAINTENANCE

     AltiGen shall provide Distributor (but not its Dealers, and not End Users
which purchase from such Dealers) with the support and maintenance described in
Exhibit D hereto free of charge during the term of this Agreement. AltiGen may
provide Dealers and End Users with support and maintenance under a separate
agreement. In order to have a high degree of customer satisfaction and technical
expertise, Distributor and AltiGen will have to perform on-site training for
Distributor's Technical Support personnel. This will be coordinated at a later
date.

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     8.   TRADEMARKS AND CONFIDENTIAL INFORMATION

          8.1   TRADEMARKS. AltiGen shall have and retain sole ownership of
AltiGen's logo, trade names and trademarks ("Trademarks"), including the
goodwill pertaining thereto. AltiGen hereby grants to Distributor the right to
use and display the Trademarks solely in connection with and solely to the
extent reasonably necessary for the marketing, distribution, and support of the
Products within the Territory in accordance with the terms and conditions of
this Agreement. Distributor shall not do or suffer to be done any act or thing
that would impair AltiGen's rights in its Trademarks or damage the reputation
for quality inherent in the Trademarks. AltiGen's has the right to take all
action which it deems necessary to ensure that the advertising and promotional
materials related to the Products utilized by Distributor are consistent with
the reputation and prestige of the Trademarks. Distributor shall market,
distribute, and support the Products only under the Trademarks, and not any
other trademark or logo. Distributor shall not use the Trademarks or any other
trademarks or trade names of AltiGen or any word, symbol, or design confusingly
similar thereto, as part of its corporate name, or as part of the name of any
product of Distributor. Distributor shall not (i) remove, alter or overprint the
Products' copyright notices, trademarks, and logos, or packaging, (ii) attach
any additional trademarks to the Products without AltiGen's prior written
consent or (iii) affix any of the Trademarks to any non-AltiGen products.
Distributor agrees that any goodwill which accrues because of Distributor's use
of the Trademarks shall become AltiGen's property. Distributor further agrees
not to contest AltiGen's Trademarks or tradenames, or to make application for
registration of any AltiGen Trademarks or tradenames.

          8.2 CONFIDENTIAL INFORMATION. During the term of this Agreement, and
for a period of three (3) years thereafter, The Parties will maintain in
confidence any confidential or proprietary information of The Parties disclosed
to one another including, without limitation, any information regarding
scientific, engineering, manufacturing, marketing, business plan, financial or
personnel matter relating to The Parties, whether in oral, written, graphic or
electronic form ("Confidential Information"). The Parties will not use, disclose
or grant use of such Confidential Information except as expressly authorized by
The Parties. To the extent that disclosure is authorized by The Parties, The
Parties will obtain prior agreement from their employees, agents or consultants
to whom disclosure is to be made to hold in confidence and not make use of such
information for any purpose other than those permitted by The Parties. The
Parties will use at least the same standard of care as they use to protect its
own Confidential Information to ensure that such employees, agents or
consultants do not disclose or make any unauthorized use of such Confidential
Information. The Parties will promptly notify each other upon discovery of any
unauthorized use or disclosure of the Confidential Information.

          8.3  EXCEPTIONS. The obligations of confidentiality contained in
Section 8.2 will not apply to the extent that it ran be established by
Distributor by competent proof that such Confidential Information:

                     (A) was already known to the parties, other than under an
obligation of confidentiality, at the time of disclosure;

                     (B) was generally available to the public or otherwise part
of the public domain at the time of its disclosure to the parties;

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                     (C) became generally available to the public or otherwise
part of the public domain after its disclosure and other than through any act or
omission of the parties in breach of this Agreement;

                     (D) was disclosed to the parties, other than under an
obligation of confidentiality, by a third party who had no obligation to the
disclosing party not to disclose such information to others.

     9.   INDEMNIFICATION

          9.1   ALTIGEN INFRINGEMENT INDEMNITY. Subject to the limitations set
forth herein below, AltiGen shall defend Distributor with respect to any claim,
suit or proceeding brought against Distributor to the extent it is based upon a
claim that any Product sold pursuant to this Agreement infringes upon any U.S.
patent, U.S. trademark, U.S. copyright or U.S. trade secret of any third party;
provided, however, that Distributor (i) promptly notifies AltiGen in writing of
such claim, suit or proceeding; (ii) gives AltiGen the right to control and
direct investigation, preparation, defense and settlement of any claim, suit or
proceeding; and (iii) gives assistance and full cooperation for the defense of
same, and, further provided, that AltiGen's liability with respect to portions
of Products provided by or licensed from third parties will be limited to the
extent AltiGen is indemnified by such third parties. AltiGen shall pay any
resulting damages, costs and expenses finally awarded to a third party, but
AltiGen shall not be liable for such amounts, or for settlements incurred by
Distributor, without AltiGen's prior written authorization. If a Product is, or
in AltiGen's opinion might be, held to infringe as set forth above, AltiGen may,
at its option, replace or modify such Product so as to avoid infringement, or
procure the right for Distributor to continue the use and resale of such
Product. If neither of such alternatives is, in AltiGen's opinion, reasonably
possible, the infringing Product shall be returned to AltiGen, and AltiGen's
sole liability, in addition to its obligation to reimburse any awarded damages,
costs and expenses set forth above, shall be to refund the purchase price paid
for such Products by Distributor.

          9.2   EXCLUSIONS. The provisions of the indemnity provided in
Section 9.1 (with respect to infringement) shall not apply with respect to any
instances of alleged infringement based upon or arising out of the use of such
Products in any manner for which the Products were not designed, or for use of
Products other than the uses and distributions designated by AltiGen, for use of
any Product that has been modified by Distributor or any third party, or for use
of any Product in connection with or in combination with any equipment, devices
or software that have not been supplied by AltiGen. Notwithstanding any other
provisions hereof, the foregoing indemnity shall not apply with respect to any
infringement based on Distributor's activities occurring subsequent to its
receipt of notice of any claimed infringement unless AltiGen shall have given
Distributor written permission to continue to market and distribute the
allegedly infringing Product.

          9.3   ENTIRE LIABILITY AND LIMITATION. THE FOREGOING SECTIONS 10.1 AND
10.2 STATE THE SOLE AND EXCLUSIVE REMEDY OF DISTRIBUTOR AND THE ENTIRE LIABILITY
AND OBLIGATION OF ALTIGEN WITH RESPECT TO INFRINGEMENT OR CLAIMS OF INFRINGEMENT
OF ANY PATENT, COPYRIGHT TRADE SECRET OR OTHER INTELLECTUAL PROPERTY RIGHT BY
THE PRODUCTS OR ANY PART THEREOF.

                                      -11-
<PAGE>

          9.4   PRODUCT DEFECT INDEMNITY: Subject to the limitations set forth
herein below, AltiGen shall defend Distributor with respect to any claim, suit
or proceeding brought against Distributor to the extent it is based upon a claim
that any property damage, personal or bodily injury or other damage has resulted
from a defect in the Products; provided, however, that Distributor (i) promptly
notifies AltiGen in writing of such claim, suit or proceeding; (ii) gives
AltiGen the right to control and direct investigation, preparation, defense and
settlement of any claim, suit or proceeding; and (iii) gives assistance and full
cooperation for the defense of same, and, further provided, that AltiGen's
liability with respect to portions of Products provided by or licensed from
third parties will be limited to the extent AltiGen is indemnified by such third
parties. AltiGen shall pay any resulting damages, costs and expenses finally
awarded to a third party, but AltiGen shall not be liable for such amounts, or
for settlements incurred by Distributor, without AltiGen's prior written
authorization.

          9.5   INDEMNITY BY DISTRIBUTOR. DISTRIBUTOR AGREES TO INDEMNIFY AND
HOLD ALTIGEN HARMLESS FROM ANY CLAIMS, SUITS, PROCEEDINGS, LOSSES, LIABILITIES,
DAMAGES, COSTS AND EXPENSES (INCLUSIVE OF ALTIGEN'S REASONABLE ATTORNEYS' FEES)
MADE AGAINST OR INCURRED BY ALTIGEN AS A RESULT OF NEGLIGENCE,
MISREPRESENTATION, OR ERROR OR OMISSION ON THE PART OF DISTRIBUTOR OR
REPRESENTATIVE OF DISTRIBUTOR. DISTRIBUTOR SHALL BE SOLELY RESPONSIBLE FOR, AND
SHALL INDEMNIFY AND HOLD ALTIGEN HARMLESS FROM, ANY CLAIMS, WARRANTIES OR
REPRESENTATIONS MADE BY DISTRIBUTOR OR DISTRIBUTOR'S EMPLOYEES OR AGENTS WHICH
DIFFER FROM THE WARRANTY PROVIDED BY ALTIGEN IN ITS END USER AGREEMENT.

          9.6   MUTUAL INDEMNITY REGARDING PERSONAL INJURY AND OTHER DAMAGES.
Each party shall indemnify and hold the other harmless from and against any and
all claims, actions, damages, demands, liabilities, costs and expenses,
including reasonable attorney's fees and expenses, resulting from any act or
omission of the acting party or its employees or agents under this Agreement
that causes or results in property damage, personal injury or death.

     10.  WARRANTY

          10.1  ALTIGEN WARRANTY. AltiGen warrants the Products TO END-USERS
ONLY pursuant to the terms and conditions of the End User Agreement, provided,
however, Distributor shall be entitled to rely on the End User Warranty for
purposes of returns of Product and indemnities, a copy of which is attached to
this Agreement as Exhibit A. In addition AltiGen warrants the following:

                (A)  It has good transferable title to the products.

                (B)  There are no suits or proceedings pending or threatened
which allege any infringement by the Products of any patents, copyrights,
trademarks, trade secrets or any other intellectual property rights of a third
party Product sales to Distributor do not in any way constitute violation of any
law, ordinance, rule or regulation in the distribution territory.

                                      -12-
<PAGE>

                (C)  The Products will properly (a) record, store, process,
calculate or present calendar dates falling on or after (and if applicable,
spans of time including) January 1, 2000 as a result of the occurrence, or use
of data consisting of such dates and (b) calculate any information dependent on
or relating to dates on or after January 1, 2000 in the same manner, and with
the same functionality, data integrity and performance, as such Product records,
stores, processes, calculates; and presents calendar dates on or before December
31, 1999, or information dependent on or relating to such dates.

                (D)  The Products have been or will be at the time of shipment
certified as a Class B computing device as required by the rules of the U.S.A.
Federal Communications Commission.

                (E)  AltiGen will not label any of its products as being "Made
in America", "Made in USA," or with similar wording, unless substantially all
components of such Products are in fact made in the United States of America.

          10.2  LIMITATIONS AND DISCLAIMER. EXCEPT FOR THE EXPRESS WARRANTIES
SET FORTH IN SECTION 10.1 ABOVE, ALTIGEN EXPRESSLY DISCLAIMS ALL WARRANTIES
EXPRESSED OR IMPLIED RELATING TO THE PRODUCTS, AND FURTHER EXPRESSLY EXCLUDES
ANY WARRANTY OF NON-INFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE OR
MERCHANTABILITY.

          10.3  NO PERSON IS AUTHORIZED TO MAKE ANY OTHER WARRANTY OR
REPRESENTATION CONCERNING THE PERFORMANCE OF THE PRODUCTS OTHER THAN AS PROVIDED
IN THE END USER AGREEMENT. DISTRIBUTOR SHALL MAKE NO OTHER WARRANTY, EXPRESS OR
IMPLIED, ON BEHALF OF ALTIGEN.

          10.4 DISTRIBUTOR'S WARRANTY. Distributor hereby represents and
warrants to AltiGen that neither this Agreement (or any term hereof) nor the
performance of or exercise of rights under this Agreement, is restricted by,
contrary to, in conflict with, ineffective under, requires registration or
approval or tax withholding under, or affects AltiGen's intellectual property
rights (or the duration thereof) under, or will require any compulsory licensing
under, any law or regulation of any organization, country, group of countries or
political or governmental entity to which Distributor is subject.

     11.  LIMITATION ON LIABILITY

          11.1  LIMITATION OF LIABILITY. OTHER THAN AS PROVIDED IN SECTION 9
ABOVE THE TOTAL LIABILITY OF EITHER PARTY TO THE OTHER HEREUNDER SHALL NOT
EXCEED [*****].

          11.2  WAIVER OF CONSEQUENTIAL DAMAGES. IN NO EVENT WILL ALTIGEN OR
DISTRIBUTOR BE LIABLE TO THE OTHER PARTY FOR ANY INDIRECT, SPECIAL OR
CONSEQUENTIAL DAMAGES, INCLUDING WITHOUT LIMITATION ANY LOSS OF INCOME, LOSS OF
PROFITS OR LOSS OF DATA, EVEN IF ALTIGEN HAS BEEN ADVISED

                                      -13-
<PAGE>

OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE
GRANT OF THE LICENSE HEREUNDER.

          11.3  THIRD PARTY CLAIMS. AltiGen shall not be liable for any claim by
Distributor based on any third party claim, except as stated in Section 10 of
the Agreement.

     12.  TERM AND TERMINATION

          12.1  TERM. Subject to the provisions of Sections
13.2 and 13.3 below, this Agreement is valid for a term of one year and shall be
renewed automatically for additional one year terms provided that each party
shall have the right to terminate this Agreement for convenience upon ninety
(90) days written notice prior to the end of the initial term or any subsequent
term of the Agreement.

          12.2  TERMINATION FOR CAUSE. Either party may terminate this Agreement
for cause upon thirty (30) days written notice to the other party if such other
party materially breaches this Agreement and such material breach is not cured
within the thirty (30) day period following delivery of notice. Either party
shall have the right to terminate this Agreement immediately in the event the
other party terminates its business, or becomes subject to any bankruptcy or
insolvency proceeding under Federal or State statute, and such petition is not
dismissed within sixty (60) days.

          12.3  EFFECT OF TERMINATION. For a period of sixty (60) days following
termination of this Agreement, Distributor may distribute any Products in
Distributor's possession at the time of termination or at its option return any
product in inventory, provided, however, that if AltiGen has terminated the
Agreement pursuant to Section 12.2, Distributor's right to distribute the
Products shall immediately terminate. Following any permitted distribution,
Distributor shall return to AltiGen or, at AltiGen's request, destroy the copies
of the Products and Documentation then in its possession. In addition,
Distributor shall be entitled to retain one (1) copy of the Product following
termination solely for the purposes of providing support to Dealers and End
Users. AltiGen shall apply the value of any returned Products to any outstanding
credit balance in Distributor's account. The termination of this Agreement shall
not act to terminate the licenses granted to Dealers or End Users pursuant to
this Agreement. (i) For a ninety day (90) period after termination, Distributor
may send back inventory received from its resellers to AltiGen. Product returned
under this provision must be in merchantable condition and in its original
factory-sealed packaging.

          12.4  PAYMENT UPON TERMINATION. Upon termination of the Agreement by
AltiGen for cause, the due dates of all outstanding invoices for Products will
become due and payable thirty (30) days from date of termination minus returns
received, even if longer terms had been provided previously. After the ninety-
(90) day period a final true-up of inventory and monies will take place. If
AltiGen owes Distributor monies, AltiGen will issue a check to Distributor. All
orders or portions of orders remaining unshipped as of the effective date of
such termination shall automatically be canceled.

                                      -14-
<PAGE>

     13.  MISCELLANEOUS

          13.1  NONEXCLUSIVITY. AltiGen retains the right to market, distribute,
and support the Products in the Territory directly to or through any person or
entity on any terms deemed desirable by AltiGen in its sole discretion. Any
discounts extended to other like distributors that exceed the discount schedule
(see Exhibit "B") in effect at the time between AltiGen and Distributor shall
also be extended to distributor.

          13.2  MODIFICATION AND AMENDMENT. Except with respect to Exhibit B
hereof, this Agreement may be modified or amended only in writing by the consent
of both parties.

          13.3  SURVIVAL. Sections 5.8, 8, 9, 10, 11, 12.3, 12.4, 13 shall
survive termination of this Agreement for three (3) years.

          13.4  GOVERNING LAW. This Agreement is made in accordance with and
shall be governed and construed under the laws of the State of California, as
applied to agreements executed and performed entirely in California by
California residents.

          13.5  TOLL FRAUD. Dealer is forbidden from stating or implying that
AltiGen Products provide immunity from fraudulent intrusion (Toll Fraud). Dealer
must use this language on all sales materials and contract involving AltiGen
Products.

          13.6  NOTICES. All notices, demands, or consents required or permitted
under this Agreement shall be in writing and shall be delivered personally or
sent by a national overnight courier service or by registered or certified,
return receipt requested mail to the other party at the addresses first set
forth above. All notices, demands, or consents shall be deemed effective upon
personal delivery or five (5) days following dispatch via first class mail or
day three (3) following deposit with any national overnight courier service in
accordance with this section.

          13.7  NO PARTNERSHIP OF JOINT VENTURE. No agency, employment,
partnership, joint venture, or other joint relationship is created hereby, it
being understood that Distributor and AltiGen are independent contractors
vis-a-vis one another and that neither has any authority to bind the other in
any respect whatsoever.

          13.8  FORCE MAJEURE. Neither party shall be deemed to be in default of
or to have breached any provision of this Agreement as a result of any delay,
failure in performance, or interruption of service resulting directly or
indirectly from acts of God, acts of civil or military authority, civil
disturbance, war, strikes or other labor disputes, fires, transportation
contingencies, laws, regulations, acts or orders of any government agency or
official thereof, other catastrophes or any other circumstances beyond the
party's reasonable control.

          13.9  EXPORT CONTROL. The parties acknowledge that the Products may be
subject to the export control laws of the United States of America, including
the U.S. Bureau of Export Administration regulations, and hereby agree to obey
any and all such laws. The parties agree to comply with the U.S. Foreign Corrupt
Practices Act of 1977, as amended, and with all applicable foreign laws relating
to the use, importation, licensing or distribution of the Products.

                                      -15-
<PAGE>

          13.10 ASSIGNMENT. Neither party may assign this Agreement or any of
its rights, duties or obligations under this Agreement to any third party
without the other party's prior written consent, which consent shall not be
unreasonably withheld. Notwithstanding the foregoing, either party may assign
its rights and delegate its obligations under this Agreement without the consent
of the other party to a purchaser of all or substantially all of its voting
stock or capital assets or to an entity with which such party merges or is
consolidated.

          13.11 SEVERABILITY AND WAIVER. In the event any provision of this
Agreement is held to be invalid or unenforceable, the valid or enforceable
portion thereof and the remaining provisions of this Agreement will remain in
full force and effect. Any waiver (express or implied) by any party of any
default or breach of this Agreement shall not constitute a waiver of any other
or subsequent default or breach.

          13.12 ENTIRE AGREEMENT. This Agreement and all Exhibits referred to
herein embody the entire understanding of the parties with respect to the
subject matter hereof and shall supersede all previous communications,
representations or understandings, either oral or written, between the parties
relating to the subject matter hereof.

          13.13 HEADINGS. The section headings appearing in this Agreement are
inserted only as a matter of convenience and in no way define, limit, construe
or describe the scope or intent of any such section nor in any way affect this
Agreement.

          13.14 PARTIES ADVISED BY COUNSEL. This Agreement has been negotiated
between unrelated parties who are sophisticated and knowledgeable in the matters
contained in this Agreement and who have acted in their own self interest. In
addition, each party has been represented by legal counsel. The provisions of
this Agreement shall be interpreted in a reasonable manner to effect the purpose
of the parties, and this Agreement shall not be interpreted or construed against
any party to this Agreement because that party or any attorney or representative
for that party drafted this Agreement or participated in the drafting of this
Agreement.

          13.15 INSURANCE. AltiGen shall carry insurance coverage for product
liability/completed operations of [*****] primary each occurrence and [*****].
Within ten (10) days of full execution of this Agreement, AltiGen shall provide
Distributor with a Certificate of Insurance. This Certificate of Insurance must
include: (i) a broad form endorsement naming Distributor as an additional
insured, and (ii) a mandatory thirty (30) day notice to Distributor of insurance
cancellation.

                                      -16-
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have duly executed this
Agreement, including the Exhibits hereto, and incorporated herein by reference,
as of the date first above written above.

ALTIGEN INC.                               SYNNEX

By:       /s/ Michele Shannon              By:      /s/ Chih-Kai Cheng
      ---------------------------------        ---------------------------------

Name:         Michele Shannon              Name:        Chih-Kai Cheng
      ---------------------------------          -------------------------------

Title:        V.P. of Sales                Title:       S.V.P
       --------------------------------          -------------------------------

EXHIBIT

         A - END USER AGREEMENT

         B - PRODUCT LIST AND DISCOUNT SCHEDULE

         C - PURCHASING OBJECTIVES

         D - SUPPORT AND MAINTENANCE

         E - TERRITORIES

         F - VENDOR ROUTING GUIDE

         G - PROPRIETARY INFORMATION NON-DISCLOSURE AGREEMENT

<PAGE>

                                    EXHIBIT A

                      ALTIGEN(R), INC. - END USER AGREEMENT

        NOTICE - READ THIS BEFORE OPENING THIS PACKAGE, INSTALLING THE PC
                         HARDWARE OR USING THE SOFTWARE

     OPENING THIS PACKAGE, INSTALLING THE PC HARDWARE OR USING THE SOFTWARE
INDICATES YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS. READ ALL OF THE TERMS
AND CONDITIONS OF THIS LICENSE AGREEMENT PRIOR TO OPENING THIS PACKAGE OR USING
THE SOFTWARE. IF YOU DO NOT ACCEPT THESE TERMS, YOU MUST RETURN THIS PACKAGE
WITHIN 5 DAYS OF OBTAINING THE PACKAGE, WITH YOUR RECEIPT, AND YOUR MONEY WILL
BE RETURNED.

                                     * * * *

     PLEASE NOTE THAT YOU MAY NOT USE, COPY MODIFY OR TRANSFER THE PROGRAM THE
PC HARDWARE OR DOCUMENTATION OR ANY COPY, EXCEPT AS EXPRESSLY PROVIDED IN THIS
AGREEMENT.

     LICENSE. This software program (the "Program") and the documentation (the
"Documentation") are licensed, not sold, to you. The term "Program" shall also
include any updates of the Program licensed to you by AltiGen. Subject to the
terms of this agreement, you have a non-exclusive and nontransferable right to
use the Program, Personal Computer Card (the "PC Hardware") and Documentation.
You agree to use your best efforts to prevent and protect the contents of the
Program, the PC Hardware and Documentation from unauthorized disclosure or use.
AltiGen and its licensors reserve all rights not expressly granted to you.
AltiGen's licensors are the intended third party beneficiaries of this agreement
and have the express right to rely upon and directly enforce the terms set forth
herein.

     LIMITATIONS ON USE. You may not rent, lease. sell or otherwise transfer or
distribute copies of the Program, the PC Hardware or Documentation to others.
You may not modify or translate the Program, the PC Hardware, or the
Documentation without the prior written consent of AltiGen. You may not reverse
assemble. reverse compile or otherwise attempt to create the source code from
the Program or the PC Hardware. You may not use AltiGen's name or refer to
AltiGen directly or indirectly in any papers, articles, advertisements, sales
presentations, news releases or releases to any third party without the prior
written approval of AltiGen for each such use. You may not release the results
of any performance or functional evaluation of any Program to any third party
without prior written approval of AltiGen for each such release.

     BACKUP AND TRANSFER. You may make one copy of thr Program for backup
purposes if AltiGen's copyright notice is included. You may not sublicense,
assign, delegate, rent, lease, time-share or otherwise transfer this license or
any of the related rights or obligations for any reason. Any attempt to make any
such sublicense, assignment, delegation or other transfer by you shall be, void.

<PAGE>

You may physically transfer the program from one computer to another provided
that you do not retain any copies of the program, including any copies stored on
a computer.

     TOLL FRAUD. Although this software provides passwords and blocking options
for controlling telephone use, the software does not provide a security system
that would prevent unauthorized use. AltiGen does not warrant that the software
will prevent, or can prevent, unauthorized and/or unlawful use. AltiGen will
have no responsibility and will not be liable for any unauthorized of unlawful
use, including without limitation long distance charges, criminal or civil
liabilities, or damages.

     COPYRIGHT. The Program, the PC Hardware and related Documentation are
copyrighted by AltiGen and its licensors. You may make one copy of the
Documentation and print one copy of any on-line documentation or other materials
provided to you in electronic form. ANY AND ALL OTHER COPIES OF THE PROGRAM AND
ANY COPY OF THE DOCUMENTATION MADE BY YOU ARE IN VIOLATION OF THIS LICENSE.

     OWNERSHIP. You agree that the Program and Documentation belong to AltiGen
and its licensors. You agree that you neither own nor hereby acquire any claim
or right of ownership to the Program and Documentation or to any related
patents, copyrights, trademarks or other intellectual property. You own only the
magnetic or other physical media (including Personal Computer Card) on which the
Program and related Documentation are recorded or fixed. AltiGen and its
licensors retain all right, title and interest in and to the Documentation and
all copies and the Program recorded on the original media and all subsequent
copies of the Program at all times, regardless of the form or media in or on
which the original or other copies may subsequently exist. This license is not a
sale of the original or any subsequent copy. All content assessed through the
Program is the property of the applicable content owner and may be protected by
applicable copyright law. This license gives you no rights to such content.

     TERM AND TERMINATION. This license is effective until terminated. You may
terminate this license at any time by destroying the Program and Documentation
and the permitted backup copy. This license automatically terminates if you fail
to comply with its terms and conditions. You agree that, upon such termination,
you will either destroy (or permanently erase) all copies of the Program and
Documentation, or return the original Program and Documentation to AltiGen,
together with any other material (PC Hardware) you have received from AltiGen in
connection with the Program.

     LIMITED WARRANTY. AltiGen warrants the media on which the Program is
furnished to be free from defects in materials and workmanship under normal use
for 30 days from the date that you obtain the Program. AltiGen warrants the PC
Hardware for a period of one year from the date of consumer purchase to be free
from defects in materials and workmanship. EXCEPT FOR THIS LIMITED WARRANTY,
ALTIGEN AND ITS LICENSORS PROVIDE THE PROGRAM, THE PC HARDWARE AND THE
DOCUMENTATION "AS IS" WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS, IMPLIED OR
STATUTORY, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

<PAGE>

     Some states do not allow the exclusion of implied warranties, so the above
exclusion may not apply to you. This warranty gives you specific legal rights
and you may also have other rights which vary from state to state.

     LIMITATION OF REMEDIES. AltiGen and its licensors' entire liability and
your exclusive remedy in connection with the Program, the PC Hardware and the
Documentation shall be that you are entitled to return the defective media
containing the Program together with the PC Hardware and Documentation to the
merchant. At the option of the merchant, you may receive replacement media
containing the Program, the PC Hardware and Documentation that conforms with the
limited warranty or a refund of the amount paid by you. IN NO EVENT WILL ALTIGEN
OR ITS LICENSORS BE LIABLE FOR ANY INDIRECT DAMAGES OR OTHER RELIEF ARISING OUT
OF YOUR USE OR INABILITY TO USE THE PROGRAM INCLUDING, BY WAY OF ILLUSTRATION
AND NOT LIMITATION, LOST PROFITS, LOST BUSINESS OR LOST OPPORTUNITY, OR ANY
SPECIAL, INCIDENTAL OR CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING LEGAL FEES,
ARISING OUT OF SUCH USE OR INABILITY TO USE THE PROGRAM. EVEN IF ALTIGEN, ITS
LICENSORS OR AN AUTHORIZED ALTIGEN DEALER, DISTRIBUTOR OR SUPPLIER HAS BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIM BY ANY OTHER PARTY.

     Some states do not allow the exclusion or limitation of incidental or
consequential damages so the above limitation or exclusion may not apply to you.

     This license will be governed by the laws of the State of California as
applied to transactions taking place wholly within California between California
residents.

     U.S. GOVERNMENT END USERS. The Program is a "commercial item" as that term
is defined at 48 C.F.R. 2.101 (Oct. 1995), consisting of "commercial computer
software" and "commercial computer software documentation," as such terms are
used in 48 C.F.R. 12.212 (Sept. 1995). Consistent with 48 C.F.R. 12.212 and 48
C.F.R. 227.7202-1 through 227.7202-4 (June 1995), all U.S. Government End Users
acquire the Program with only those rights set forth herein.

<PAGE>

                                                       EXHIBIT B

<PAGE>

                                    EXHIBIT C

                               PURCHASE OBJECTIVES

         ALTIGEN OPERATES ON A FISCAL CALENDAR.

Q1                                            Q2
OCT., NOV., DEC.                              JAN., FEB., MARCH

------------------------------------          ----------------------------------
(QTY. OF BOARDS PER QUARTER)                  (QTY. OF BOARDS PER QUARTER)

Q3                                            Q4
APRIL, MAY, JUNE                              JULY, AUG., SEPT.

------------------------------------          ----------------------------------
(QTY. OF BOARDS PER QUARTER)                  (QTY. OF BOARDS PER QUARTER)

TOTAL FOR 2000:

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

<PAGE>

                                    EXHIBIT D

                             SUPPORT AND MAINTENANCE

     AltiGen will provide the following maintenance services:

     TELEPHONE SUPPORT. Telephone support from [*****].

     EMAIL SUPPORT. Email support available at "support@AltiGen.com" or a
special address to be established for Distributor support. AltiGen will respond
to email [*****].

     TRAINING. AltiGen may provide in-depth Product training to Distributor from
time-to-time and Distributor will use its best efforts to have appropriate
support personnel attend such training sessions to the extent such training will
assist Distributor in better supporting the channel.

     WEBSITE. AltiGen will provide product information and technical tips at
WWW.ALTIGEN.COM.
----------------

<PAGE>

                                    EXHIBIT E

                                   TERRITORIES

     ALL TERRITORIES AND POSSESSIONS IN:

          o    [*****]

          o    [*****]

<PAGE>

<TABLE>
<CAPTION>

                                    EXHIBIT F

            ROUTING INSTRUCTIONS FOR SYNNEX INFORMATION TECHNOLOGIES
                                 PM'S AND BUYERS
                              CONTACT: DANNY DAVIS
                                  864-289-4250

<S>                                                                             <C>

Shipping to Fremont, Ca
1-150 lbs. Ground (All U.S. Points) FexEx 3rd Party Acct# [*****]
1-150 lbs. Air Freight (All U.S. Points) FedEx 3rd Party Acct# [*****]
151-10000 lbs. From (Ca) Viking Frt.
151-10000 lbs. From (All other U.S. Points) Watkings (Primary) Roadway Frt (Secondary)
Over 10000 lbs Pup or Truckload Call Synnex Traffic
Air Freight / Expedited...Call Synnex Traffic

Shipping To Glendale Heights, Ill
1-150 lbs. Ground (All U.S. Points) FexEx 3rd Party Acct# [*****]
1-150 lbs.Air Freight (All U.S. Points) FedEx 3rd Party Acct# [*****]
150-10000 lbs. From (California) Am-Can Transport    Northern CA 510-261-2900
                                                                       Southern CA 562-928-1555
151-10000 lbs. From (IL, In, TN, Oh, MI, KY) R&L Carriers
151-10000 lbs. From (All other U.S. Points) Watkings (Primary) Roadway Frt (Secondary)
Over 10000 lbs Pup or Truckload Call Synnex Traffic
Air Freight / Expedited...Call Synnex Traffic

Shipping to Memphis, TN
1-150 lbs. Ground (All U.S. Points) FexEx 3rd Party Acct# [*****]
1-150 lbs.Air Freight (All U.S. Points) FedEx 3rd Party Acct# [*****]
150-10000 lbs. From (California) Am-Can Transport    Northern CA 510-261-2900
                                                                       Southern CA 562-928-1555
151-10000 lbs. From (Il, In, TN, MI, Oh, GA, Al, Ms, AR, KY) R&L Carriers
151-10000 lbs. From (All other U.S. Points) Watkings (Primary) Roadway Frt (Secondary)
Over 10000 lbs Pup or Truckload Call Synnex Traffic
Air Freight / Expedited...Call Synnex Traffic

Shipping to Lyndhurst, NJ
1-150 lbs. Ground (All U.S. Points) FexEx 3rd Party Acct# [*****]
1-150 lbs.Air Freight (All U.S. Points) FedEx 3rd Party Acct# [*****]
150-10000 lbs. From (California) Am-Can Transport    Northern CA 510-261-2900
                                                                       Southern CA 562-928-1555
151-10000 lbs. From (NY, NJ, RI, Mass., Pa, Oh, Md, De, Va) R&L Carriers
151-10000 lbs. From (All other U.S. Points) Watkings (Primary) Roadway Frt (Secondary)
Over 10000 lbs Pup or Truckload Call Synnex Traffic
Air Freight / Expedited...Call Synnex Traffic

</TABLE>

<PAGE>

<TABLE>
<CAPTION>

<S>                                                                             <C>
Shipping to Salt Lake City, UT
1-150 lbs. Ground (All U.S. Points) FexEx 3rd Party Acct# [*****]
1-150 lbs.Air Freight (All U.S. Points) FedEx 3rd Party Acct# [*****]
151-10000 lbs. From (Ca, Nv, Wa, Or, Az, Id) Viking Frt.
151-10000 lbs. From (All other U.S. Points) Watkings (Primary) Roadway Frt (Secondary)
Over 10000 lbs Pup or Truckload Call Synnex Traffic
Air Freight / Expedited...Call Synnex Traffic

Shipping to Norcross, Ga
1-150 lbs. Ground (All U.S. Points) FexEx 3rd Party Acct# [*****]
1-150 lbs.Air Freight (All U.S. Points) FedEx 3rd Party Acct# [*****]
150-10000 lbs. From (California) Am-Can Transport    Northern CA 510-261-2900
                                                                       Southern CA 562-928-1555
151-10000 lbs. From (Ill, In, Tn, Mi, Oh, Ga, AL, Ms, Ar, Ky, N.C., S.C., Fl) R&L Carriers
151-10000 lbs. From (All other U.S. Points) Watkings (Primary) Roadway Frt (Secondary)
Over 10000 lbs Pup or Truckload Call Synnex Traffic
Air Freight / Expedited...Call Synnex Traffic

Shipping to Richardson, Tx
1-150 lbs. Ground (All U.S. Points) FexEx 3rd Party Acct# [*****]
1-150 lbs.Air Freight (All U.S. Points) FedEx 3rd Party Acct# [*****]
150-10000 lbs. From (California) Am-Can Transport    Northern CA 510-261-2900
                                                                       Southern CA 562-928-1555
151-10000 lbs. From (Tx, La, Ms, Ar,) R&L Carriers
151-10000 lbs. From (All other U.S. Points) Watkings (Primary) Roadway Frt (Secondary)
Over 10000 lbs Pup or Truckload Call Synnex Traffic
Air Freight / Expedited...Call Synnex Traffic

Notes:    1.  Shipments giving to unauthorized carriers, and unauthorized airfreight will be charged
              back to shipper.
          2.  When preparing bills of lading please show number of pieces shipped in the left hand
              column of the bill and number of pallets in the body.
          3.  If a single shipment results in a Pup or Truckload less than 10000 lbs contact Synnex
              Traffic.
          4.  Shipments over 150 lbs. must be palletized.
          5.  Synnex PO# must appear on bill of lading.
</TABLE>

FOR ROUTING ON DROP SHIPMENTS TO SYNNEX CUSTOMERS PLEASE CALL TRAFFIC DEPT.

Revised 11-21-01

Contact Synnex Traffic if you have nay questions regarding these routing
instructions.

                                      -2-

<PAGE>

                                    EXHIBIT G

                             PROPRIETARY INFORMATION
                            NON-DISCLOSURE AGREEMENT

     This Agreement is made this 22 day of December, 1999, by and between Synnex
Information Technologies, Inc., a California corporation with its principal
place of business at 3797 Spinnaker Court, Fremont, California, 94538
("Distributor'), ALTIGEN COMMUNICATIONS INC., a California corporation, with
principal offices at 47427 Fremont Blvd., Fremont, CA 94538 ("AltiGen")

     WHEREAS Synnex has compiled and organized certain information relating to
its sales which is proprietary and confidential, and such information includes,
but is not limited to the "Point of Sale (POS) Report" ("Proprietary
Information"); and

     WHEREAS Synnex agrees to disclose Proprietary Information to AltiGen for
the limited purpose set out herein; and

     WHEREAS AltiGen desires to inspect and use such Proprietary information for
the purposes of calculating sales commissions and monitoring marketing programs
only;

     NOW, THEREFORE, in consideration of the mutual promises set out herein, the
parties hereby agree as follows:

     1. AltiGen agrees not to communicate, disclose, or otherwise make available
all or any part of the Proprietary Information to any third party, including,
but not limited to AltiGen's parent, subsidiaries, or affiliated companies.

     2. AltiGen agrees not to use, or permit others to use, the Proprietary
Information, other than for the purpose(s) stated above. AltiGen agrees to make
no more than five (5) copies of the Proprietary Information unless otherwise
agreed in writing between the parties; and AltiGen agrees to limit distribution
of and access to the Proprietary Information to those of AltiGen's personnel who
require access to Proprietary Information for the foregoing purpose. AltiGen
agrees not to solicit, or sell Product to any customer or dealer listed in the
Proprietary Information that requests to purchase product from Synnex.

     3. The term of this Agreement, unless terminated in accordance with
paragraph 7 shall be concurrent with the term of that mutual Distribution
Agreement between Synnex and AltiGen Inc. dated DECEMBER 22, 1999, incorporated
by reference as if fully set forth herein.

     4. AltiGen and Synnex mutually agree that all copies of the Proprietary
Information and all written descriptions, extractions, or summaries thereof,
whether made by AltiGen or Synnex, shall be the property of Synnex, and shall,
upon expiration of this Agreement or Synnex's request, be immediately returned
to Synnex.

<PAGE>

     5. AltiGen and Synnex mutually agree that Synnex's public disclosure of the
Proprietary Information, except pursuant to a confidential disclosure agreement,
to any party will release AltiGen from the obligation of confidentiality with
respect to that portion of the Proprietary Information actually disclosed by
Synnex.

     6. AltiGen acknowledges the damage which Synnex may suffer in the event of
AltiGen's breach of obligations set forth herein. AltiGen agrees to and shall
indemnify Synnex from and compensate Synnex for any and all damage or injury,
including legal fees and costs incurred by Synnex because of AltiGen's misuse of
any Proprietary Information or incurred by Synnex in enforcing its rights
hereunder. This provision shall survive the expiration or earlier termination of
this Agreement for a period of one (1) year.

     7. Upon termination of this Agreement by either party for any reason,
AltiGen shall return all Proprietary Information to Synnex within thirty (30)
days, irrespective of format. For purposes of enforcing this provision,
AltiGen's return obligation shall survive the termination of this Agreement.

     8. The rights, promises, duties, and obligations set out herein, and the
validity, interpretation, performance, and legal effect of the whole Agreement
shall be governed and determined by the laws of the State of California. In the
event that any provision is found invalid or unenforceable pursuant to statutory
or judicial decree, such provision shall be construed only to the maximum extent
permitted by law, and the remainder of the Agreement shall be valid and
enforceable in accordance with its terms.

                                      -2-RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC.,
                                    Company,

                        RESIDENTIAL FUNDING CORPORATION,
                                Master Servicer,

                                       and
                         BANK ONE, NATIONAL ASSOCIATION,
                                     Trustee

                               SERIES SUPPLEMENT,
                          DATED AS OF JANUARY 1, 2002,

                                       TO

                                STANDARD TERMS OF
                         POOLING AND SERVICING AGREEMENT

                            DATED AS OF JULY 1, 2001

                       Mortgage Pass-Through Certificates

                                 Series 2002-S1

<PAGE>
<TABLE>
<CAPTION>

                                TABLE OF CONTENTS

                                                                                          PAGE

                                    ARTICLE I

                                   DEFINITIONS
<S>             <C>                                                                         <C>
        Section 1.01  Definitions..........................................................-5-
                      -----------
        Section 1.02  Use of Words and Phrases............................................-19-
                      ------------------------

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;
                        ORIGINAL ISSUANCE OF CERTIFICATES
        Section 2.01  Conveyance of Mortgage Loans.  (See Section 2.01 of the Standard Terms)
                      -----------------------------------------------------------------------
                       ...................................................................-20-
        Section 2.02  Acceptance by Trustee.  (See Section 2.02 of the Standard Terms)
                      ----------------------------------------------------------------
                       ...................................................................-20-
        Section 2.03  Representations, Warranties and Covenants of the Master Servicer and the
                      ------------------------------------------------------------------------
                      Company.............................................................-20-
                      -------
        Section 2.04  Representations and Warranties of Sellers. (See Section 2.04 of the Standard
                      ----------------------------------------------------------------------------
                      Terms)
                      ------
                       ...................................................................-22-
        Section 2.05  Execution and Authentication of Certificates........................-22-
                      --------------------------------------------

                                   ARTICLE III

                          ADMINISTRATION AND SERVICING
                                OF MORTGAGE LOANS

                                   ARTICLE IV

                         PAYMENTS TO CERTIFICATEHOLDERS
        Section 4.01  Certificate Account.  (See Section 4.01 of the Standard Terms)
                      --------------------------------------------------------------
                       ...................................................................-25-
        Section 4.02  Distributions.......................................................-25-
                      -------------
        Section 4.03  Statements to Certificateholders.  (See Section 4.03(a) through (d) of the
                      --------------------------------------------------------------------------
                      Standard Terms and Exhibit Three attached hereto)...................-35-
                      -------------------------------------------------
        Section 4.04  Distribution of Reports to the Trustee and the Company; Advances by the
                      -----------------------------------------------------------------------
                      Master Servicer. (See Section 4.04 of the Standard Terms)
                      ---------------------------------------------------------
                       ...................................................................-35-
        Section 4.05  Allocation of Realized Losses.......................................-35-
                      -----------------------------

<PAGE>

        Section 4.06  Reports of Foreclosures and Abandonment of Mortgaged Property.  (See
                      --------------------------------------------------------------------
                      Section 4.06 of the Standard Terms)
                      -----------------------------------
                       ...................................................................-37-
        Section 4.07  Optional Purchase of Defaulted Mortgage Loans.  (See Section 4.07 of the
                      ------------------------------------------------------------------------
                      Standard Terms)
                       ...................................................................-37-
        Section 4.08  [Reserved]..........................................................-37-
                      ----------
        Section 4.09  Distributions on the Uncertificated REMIC I Regular Interests.......-37-
                      --------------------------------------------------------------
        Section 4.10  Distributions on the Uncertificated Class A-V REMIC Regular Interests
                      ---------------------------------------------------------------------
                       ...................................................................-38-

                                    ARTICLE V

                                THE CERTIFICATES
        Section 5.01. The Certificates.  (See Section 5.01 of the Standard Terms).........-40-
                      -----------------------------------------------------------
        Section 5.02. Registration of Transfer and Exchange of Certificates...............-40-
                      ------------------------------------------------------
        Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates.  (See Section 5.03 of the
                      ----------------------------------------------------------------------------
                      Standard Terms).....................................................-40-
                      ---------------
        Section 5.04. Persons Deemed Owners.  (See Section 5.04 of the Standard Terms)
                      ----------------------------------------------------------------
                       ...................................................................-40-
        Section 5.05. Appointment of Paying Agent.  (See Section 5.05 of the Standard Terms)
                      ----------------------------------------------------------------------
                       ...................................................................-40-

                                   ARTICLE VI

                       THE COMPANY AND THE MASTER SERVICER

                                   ARTICLE VII

                                     DEFAULT

                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE

                                   ARTICLE IX

                                   TERMINATION

                                    ARTICLE X

                                REMIC PROVISIONS
        Section 10.01 REMIC Administration.  (See Section 10.01 of the Standard Terms)
                      ----------------------------------------------------------------
                       ...................................................................-45-
        Section 10.02 Master Servicer; REMIC Administrator and Trustee Indemnification.  (See
                      -----------------------------------------------------------------------
                      Section 10.02 of the  Standard Terms)...............................-45-
                      -------------------------------------

<PAGE>

        Section 10.03 Designation of REMIC(s).............................................-45-
                      ------------------------
        Section 10.04 [Reserved]..........................................................-45-
                      -----------
        Section 10.05 Compliance with Withholding Requirements............................-45-
                      -----------------------------------------

                                   ARTICLE XI

                            MISCELLANEOUS PROVISIONS
        Section 11.01 Amendment.  (See Section 11.01 of the Standard Terms)
                      -----------------------------------------------------
                       ...................................................................-46-
        Section 11.02 Recordation of Agreement.  Counterparts.  (See Section 11.02 of the Standard
                      ----------------------------------------------------------------------------
                      Terms)
                      ------
                       ...................................................................-46-
        Section 11.03 Limitation on Rights of Certificateholders.  (See Section 11.03 of the
                      ----------------------------------------------------------------------
                      Standard Terms)
                       ...................................................................-46-
        Section 11.04 Governing Laws.  (See Section 11.04 of the Standard Terms)
                      ----------------------------------------------------------
                       ...................................................................-46-
        Section 11.05 Notices.............................................................-46-
                      -------
        Section 11.06 Required Notices to Rating Agency and Subservicer. (See Section 11.06 of
                      ------------------------------------------------------------------------
                      the Standard Terms)
                       ...................................................................-47-
        Section 11.07 Severability of Provisions. (See Section 11.07 of the Standard Terms)
                      ---------------------------------------------------------------------
                       ...................................................................-47-
        Section 11.08 Supplemental Provisions for Resecuritization.  (See Section 11.08 of the
                      ------------------------------------------------------------------------
                      Standard Terms)
                       ...................................................................-47-
        Section 11.09 Allocation of Voting Rights.........................................-47-
                      ---------------------------

</TABLE>

<PAGE>

EXHIBITS

Exhibit One:      Mortgage Loan Schedule
Exhibit Two:      Schedule of Discount Fractions
Exhibit Three:    Information to be Included in
                  Monthly Distribution Date Statement
Exhibit Four:     Standard Terms of Pooling and Servicing
                  Agreement dated as of July 1, 2001
Exhibit Five:     Planned Principal Balances and Targeted Principal Balances

<PAGE>

        This is a Series  Supplement,  dated as of January 1, 2002 (the  "Series
Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as
of July 1, 2001 and attached as Exhibit Four hereto (the  "Standard  Terms" and,
together with this Series Supplement,  the "Pooling and Servicing  Agreement" or
"Agreement"),  among  RESIDENTIAL  FUNDING  MORTGAGE  SECURITIES I, INC., as the
company  (together with its permitted  successors and assigns,  the  "Company"),
RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted
successors  and  assigns,  the  "Master  Servicer"),   and  BANK  ONE,  NATIONAL
ASSOCIATION, as Trustee (together with its permitted successors and assigns, the
"Trustee").

                              PRELIMINARY STATEMENT

        The  Company   intends  to  sell  Mortgage   Pass-Through   Certificates
(collectively, the "Certificates"),  to be issued hereunder in multiple classes,
which in the aggregate will evidence the entire beneficial ownership interest in
the  Trust  Fund.  As  provided  herein,  the REMIC  Administrator  will make an
election  to  treat  the  entire  segregated  pool of  assets  described  in the
definition  of  REMIC I (as  defined  herein),  and  subject  to this  Agreement
(including  the Mortgage  Loans but  excluding  the Reserve Fund and the Initial
Monthly Payment Fund), as a real estate mortgage  investment conduit (a "REMIC")
for  federal  income tax  purposes  and such  segregated  pool of assets will be
designated as the "REMIC I." The  Uncertificated  REMIC I Regular Interests will
be "regular  interests"  in REMIC I and the Class R-I  Certificates  will be the
sole  class  of  "residual  interests"  in  REMIC I for  purposes  of the  REMIC
Provisions (as defined  herein).  A segregated pool of assets  consisting of the
Uncertificated  REMIC I Regular  Interests will be designated as "REMIC II," and
the REMIC  Administrator  will  make a  separate  REMIC  election  with  respect
thereto.  The  Class  A-1  Certificates,  Class  A-2  Certificates,  Class  A-2A
Certificates,   Class  A-3  Certificates,  Class  A-4  Certificates,  Class  A-5
Certificates,   Class  A-6  Certificates,  Class  A-7  Certificates,  Class  A-8
Certificates,  Class A-9  Certificates,  Class  A-10  Certificates,  Class  A-11
Certificates,  Class  A-12  Certificates,  Class A-13  Certificates,  Class A-14
Certificates,  Class A-14A  Certificates,  Class A-15  Certificates,  Class A-16
Certificates,   Class  A-P  Certificates,  Class  M-1  Certificates,  Class  M-2
Certificates,   Class  M-3  Certificates,  Class  B-1  Certificates,  Class  B-2
Certificates,  Class B-3  Certificates  and the  Uncertificated  Class A-V REMIC
Regular  Interests  will be "regular  interests"  in REMIC II and the Class R-II
Certificates will be the sole class of "residual interests" therein for purposes
of the REMIC  Provisions.  The Class A-V Certificates  will represent the entire
beneficial  ownership  interest in the  Uncertificated  Class A-V REMIC  Regular
Interests.

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

        The  following  table  irrevocably  sets  forth  the  designation,   the
Uncertificated REMIC I Pass- Through Rate, the initial Uncertificated  Principal
Balance,  and solely for  purposes of  satisfying  Treasury  regulation  Section
1.860G-1(a)(4)(iii), the "latest possible maturity date" for each of the

                                       -1-

<PAGE>

Uncertificated  REMIC I Regular Interests.  None of the  Uncertificated  REMIC I
Regular Interests will be certificated.

<TABLE>
<CAPTION>

                          UNCERTIFICATED    INITIAL UNCERTIFICATED           LATEST
                          REMIC-I-PASS         PRINCIPAL-BALANCE      POSSIBLE-MATURITY(1)
      DESIGNATION          THROUGH RATE
---------------------------------------------------------------------------------------------
<S>                           <C>         <C>                                       <C> <C>
REMIC I Regular Interest      6.25%       $           870,314,145.85        January 25, 2032
           W
REMIC I Regular Interest      6.25%       $            25,016,400.00        January 25, 2032
           X
REMIC I Regular Interest      6.25%       $            30,407,214.00        January 25, 2032
           Y
REMIC I Regular Interest      0.00%       $             1,376,798.17        January 25, 2032
           Z
        REMIC I            Variable (2)                       N/A(3)        January 25, 2032
  IO Regular Interests

</TABLE>

_____________
(1)     Solely for  purposes  of  Section  1.860G-1(a)(4)(iii)  of the  Treasury
        regulations,  the Distribution  Date immediately  following the maturity
        date for the  Mortgage  Loan  with  the  latest  maturity  date has been
        designated  as the  "latest  possible  maturity  date" for each  REMIC I
        Regular Interest.

(2)  Calculated  in   accordance   with  the   definition   of   "Uncertificated
     Pass-Through Rate" herein.

(3)  The  Uncertificated  REMIC I IO Regular  Interests  have no  Uncertificated
     Principal Balance.

                                       -2-

<PAGE>

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

                            AGGREGATE
                             INITIAL
                PASS-      CERTIFICATE
               THROUGH      PRINCIPAL                                 MATURITY       MOODY'S/        MINIMUM
DESIGNATION     RATE         BALANCE            FEATURES1               DATE           S&P       DENOMINATIONS2

<S>     <C>     <C>      <C>                                              <C> <C>                    <C>
Class A-1       6.25%    $ 114,000,000.00         Senior          January 25, 2032   Aaa/AAA         $25,000
Class A-2       5.50%    $  25,016,400.00 Senior/Accretion DirecteJanuary 25, 2032   Aaa/AAA         $25,000
Class A-2A      0.75%    $              0  Senior/Interest Only   January 25, 2032   Aaa/AAA       $2,000,000
Class A-3       6.25%    $  37,146,800.00     Senior/Accrual      January 25, 2032   Aaa/AAA         $25,000
Class A-4       6.25%    $  92,970,000.00     Senior/Lockout      January 25, 2032   Aaa/AAA         $25,000
Class A-5       6.25%    $  50,000,000.00         Senior          January 25, 2032   Aaa/AAA         $25,000
Class A-6       6.25%    $  50,000,000.00         Senior          January 25, 2032   Aaa/AAA         $25,000
Class A-7       6.25%    $  50,000,000.00         Senior          January 25, 2032   Aaa/AAA         $25,000
Class A-8       6.25%    $  50,000,000.00         Senior          January 25, 2032   Aaa/AAA         $25,000
Class A-9       6.25%    $ 208,678,800.00         Senior          January 25, 2032   Aaa/AAA         $25,000
Class A-10      6.25%    $  43,100,000.00 Senior/Accretion DirecteJanuary 25, 2032   Aaa/AAA         $25,000
Class A-11      6.25%    $  84,857,143.00         Senior          January 25, 2032   Aaa/AAA         $25,000
Class A-12      6.25%    $  20,830,000.00         Senior          January 25, 2032   Aaa/AAA         $25,000
Class A-13      6.25%    $  10,000,000.00     Senior/Retail       January 25, 2032   Aaa/AAA         $1,000
Class A-14      5.50%    $  30,407,214.00       Senior/TAC        January 25, 2032   Aaa/AAA         $25,000
Class A-14A     0.75%    $              0  Senior/Interest Only   January 25, 2032   Aaa/AAA       $2,000,000
Class A-15      6.25%    $  30,000,000.00       Senior/PAC        January 25, 2032   Aaa/AAA         $25,000
Class A-16      6.25%    $   3,235,643.00    Senior/Companion     January 25, 2032   Aaa/AAA         $25,000
                                             Senior/Principal
Class A-P       0.00%    $   1,376,798.17          Only           January 25, 2032   Aaa/AAA         $25,000
              Variable                       Senior/Interest
Class A-V       Rate     $           0.00  Only/Variable Strip    January 25, 2032   Aaa/AAA           20%
Class R-I       6.25%    $         100.00    Senior/Residual      January 25, 2032   Aaa/AAA           20%
Class R-II      6.25%    $         100.00    Senior/Residual      January 25, 2032   Aaa/AAA           20%
</TABLE>

--------

1    The Class A-1,  Class A-2,  Class A-2A,  Class A-3,  Class A-4,  Class A-5,
     Class A-6, Class A-7, Class A-8, Class A-9, Class A-10,  Class A-11,  Class
     A-12, Class A-13, Class A-14, Class A-14A, Class A-15, Class A-16 and Class
     M Certificates shall be Book-Entry Certificates.  The Class A-P, Class A-V,
     Class R and Class B Certificates  shall be delivered to the holders thereof
     in physical form.

2    The Certificates,  other than the Class A-2A, Class A-13, Class A-14, Class
     A-V  and  Class  R  Certificates,  shall  be  issuable  in  minimum  dollar
     denominations  as  indicated  above (by  Certificate  Principal  Balance or
     Notional Amount, as applicable) and integral  multiples of $1 (or $1,000 in
     the case of the Class A-13,  Class A-P,  Class B-1, Class B-2 and Class B-3
     Certificates) in excess thereof,  except that one Certificate of any of the
     Class  A-13,  Class A-P and Class B  Certificates  that  contains an uneven
     multiple of $1,000  shall be issued in a  denomination  equal to the sum of
     the related minimum  denomination  set forth above and such uneven multiple
     for such Class or the sum of such  denomination and an integral multiple of
     $1,000.  The Class A-2A  Certificates and Class A-14A  Certificates will be
     issued in minimum  denominations of $2,000,000 notional amount and integral
     multiples of $1 in excess thereof.  The Class R Certificates  and Class A-V
     Certificates shall be issuable in minimum  denominations of not less than a
     20% Percentage Interest;  provided,  however,  that one Class R Certificate
     will be issuable to Residential Funding as "tax matters person" pursuant to
     Section  10.01(c)  and  (e)  in  a  minimum  denomination   representing  a
     Percentage Interest of not less than 0.01%.

                                       -3-

<PAGE>

<TABLE>

<S>     <C>     <C>      <C>                                              <C> <C>                    <C>
Class M-1       6.25%    $  12,516,000.00       Mezzanine         January 25, 2032    NA/AA          $25,000
Class M-2       6.25%    $   4,635,600.00       Mezzanine         January 25, 2032     NA/A         $250,000
Class M-3       6.25%    $   3,708,400.00       Mezzanine         January 25, 2032    NA/BBB        $250,000
Class B-1       6.25%    $   1,854,300.00      Subordinate        January 25, 2032    NA/BB         $250,000
Class B-2       6.25%    $   1,390,600.00      Subordinate        January 25, 2032     NA/B         $250,000
Class B-3       6.25%    $   1,390,759.85      Subordinate        January 25, 2032      NA          $250,000
</TABLE>

        The Mortgage Loans have an aggregate principal balance as of the Cut-off
Date of $927,114,658.02.

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

                                       -4-

<PAGE>

                                    ARTICLE I

                                   DEFINITIONS

        Section 1.01  Definitions.
                      -----------

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

     Accretion Directed Certificates: Any one of the Class A-2, Class A-7, Class
A-8, Class A-9 or Class A-10 Certificates.

        Accretion Termination Date: The earlier to occur of (i) the Distribution
Date on which the  Certificate  Principal  Balances  of the  Accretion  Directed
Certificates  have been  reduced to zero and (ii) the Credit  Support  Depletion
Date.

        Accrual Certificates: The Class A-3 Certificates.
        --------------------

        Accrual  Distribution  Amount:  With respect to each  Distribution  Date
prior to the Accretion Termination Date, an amount equal to the aggregate amount
of Accrued Certificate Interest on the Class A-3 Certificates, for such date, to
the extent added to the amount  thereof  pursuant to Section  4.02(e);  provided
that,  with  respect  to  each  Distribution  Date  on or  after  the  Accretion
Termination Date, the Accrued Certificate Interest on the Class A-3 Certificates
for such date remaining after reduction of the Certificate  Principal Balance of
the  Accretion  Directed  Certificates  to zero will be payable to the Class A-3
Certificateholders,  pursuant  to  Section  4.02(a)(i)  hereof on the  Accretion
Termination Date; and provided further,  that if the Accretion  Termination Date
is the Credit Support  Depletion Date, the entire amount of Accrued  Certificate
Interest on the Class A-3 Certificates for that date will be payable as interest
to the Class A-3 Certificateholders, pursuant to Section 4.02(a)(i) hereof.

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

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

        (ii)   the interest  portion  (adjusted to the Net Mortgage Rate (or the
               Modified  Net  Mortgage  Rate in the case of a Modified  Mortgage
               Loan)) of Realized Losses on all

                                       -5-

<PAGE>

               Mortgage Loans  (including  Excess Special Hazard Losses,  Excess
               Fraud Losses,  Excess Bankruptcy Losses and Extraordinary Losses)
               not  allocated   solely  to  one  or  more  specific  Classes  of
               Certificates pursuant to Section 4.05,

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

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

with all such reductions  allocated among all of the  Certificates in proportion
to their  respective  amounts of Accrued  Certificate  Interest  payable on such
Distribution Date absent such reductions,  with the remainder of such reductions
allocated among the Holders of the Class M Certificates and Class B Certificates
in  proportion  to their  respective  amounts  of Accrued  Certificate  Interest
payable on such  Distribution  Date absent such reductions.  In addition to that
portion of the reductions described in the preceding sentence that are allocated
to any  Class  of Class B  Certificates  or any  Class of Class M  Certificates,
Accrued Certificate Interest on such Class of Class B Certificates or such Class
of Class M Certificates will be reduced by the interest portion (adjusted to the
Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of
Class B Certificates  or such Class of Class M Certificates  pursuant to Section
4.05.

        Bankruptcy  Amount:  As of any date of determination  prior to the first
anniversary  of the Cut-off Date, an amount equal to the excess,  if any, of (A)
$201,218 over (B) the aggregate amount of Bankruptcy  Losses allocated solely to
one or more specific  Classes of Certificates in accordance with Section 4.05 of
this Series  Supplement.  As of any date of  determination on or after the first
anniversary of the Cut-off Date, an amount equal to the excess, if any, of

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

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

                      (B) the greater of (i) the product of (x) an amount  equal
               to the largest  difference in the related Monthly Payment for any
               Non-Primary Residence Loan

                                       -6-

<PAGE>

               remaining in the Mortgage Pool (other than Additional  Collateral
               Loans, if any) which had an original  Loan-to-Value  Ratio of 80%
               or greater that would result if the Net Mortgage Rate thereof was
               equal to the weighted average (based on the principal  balance of
               the  Mortgage  Loans as of the Relevant  Anniversary)  of the Net
               Mortgage   Rates  of  all  Mortgage  Loans  as  of  the  Relevant
               Anniversary  less  1.25%  per  annum,  (y) a number  equal to the
               weighted average  remaining term to maturity,  in months,  of all
               Non-Primary  Residence Loans remaining in the Mortgage Pool as of
               the  Relevant  Anniversary,  and (z) one plus the quotient of the
               number  of  all  Non-Primary  Residence  Loans  remaining  in the
               Mortgage Pool divided by the total number of Outstanding Mortgage
               Loans in the Mortgage  Pool as of the Relevant  Anniversary,  and
               (ii) $50,000,  over (2) the aggregate amount of Bankruptcy Losses
               allocated  solely to one or more specific Classes of Certificates
               in accordance with Section 4.05 since the Relevant Anniversary.

        The  Bankruptcy  Amount  may be further  reduced by the Master  Servicer
(including  accelerating the manner in which such coverage is reduced)  provided
that prior to any such  reduction,  the Master Servicer shall (i) obtain written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency  (without
giving effect to the Certificate Policy in the case of the Insured Certificates)
below  the  lower of the  then-current  rating or the  rating  assigned  to such
Certificates  as of the Closing  Date by such Rating  Agency and (ii)  provide a
copy of such written confirmation to the Trustee.

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

        Certificate  Account:  The  separate  account or  accounts  created  and
maintained  pursuant  to Section  4.01 of the  Standard  Terms,  which  shall be
entitled  "Bank  One,  National  Association,  as  trustee,  in  trust  for  the
registered holders of Residential  Funding Mortgage Securities I, Inc., Mortgage
Pass-Through  Certificates,  Series  2002-S1  " and  which  must be an  Eligible
Account.

     Certificate Principal Balance: With respect to each Certificate (other than
any Interest Only  Certificate),  on any date of determination,  an amount equal
to:

(i)  the Initial Certificate  Principal Balance of such Certificate as specified
     on the face thereof, plus

        (ii)   in the case of the Accrual  Certificates,  an amount equal to the
               aggregate Accrued  Certificate  Interest added to the Certificate
               Principal  Balance  thereof prior to such date of  determination,
               minus

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

                                       -7-

<PAGE>

provided,  that the  Certificate  Principal  Balance of the Class of Subordinate
Certificates  with the Lowest  Priority at any given time shall be calculated to
equal the Percentage Interest evidenced by such Certificate times the excess, if
any, of (A) the then aggregate  Stated  Principal  Balance of the Mortgage Loans
over (B) the then aggregate  Certificate  Principal Balance of all other Classes
of Certificates then outstanding.

        Class A  Certificate:  Any one of the Class A-1,  Class A-2, Class A-2A,
Class A-3,  Class A-4,  Class A-5,  Class A-6,  Class A-7, Class A-8, Class A-9,
Class A-10, Class A-11,  Class A-12, Class A-13, Class A-14, Class A-14A,  Class
A-15, Class A-16, Class A-P or Class A-V  Certificates,  executed by the Trustee
and authenticated by the Certificate Registrar substantially in the form annexed
to the Standard Terms as Exhibit A.

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

        Closing Date: January 30, 2002.
        ------------

        Corporate Trust Office:  The principal office of the Trustee at which at
any particular  time its corporate trust business with respect to this Agreement
shall  be  administered,  which  office  at the  date of the  execution  of this
instrument is located at 1 Bank One Plaza,  Suite  IL1-0126,  Chicago,  Illinois
60670-0126, Attention: Residential Funding Corporation Series 2002-S1.

        Corresponding  Certificated  Interests:  With respect to  Uncertificated
REMIC I Regular  Interest  W, the Class A-1,  Class A-3,  Class A-4,  Class A-5,
Class A-6 Class A-7, Class A-8, Class A-9, Class A-10,  Class A-11,  Class A-12,
Class A-13,  Class A-15,  Class A-16,  Class R-II,  Class M- 1, Class M-2, Class
M-3,  Class  B-1,  Class  B-2  and  Class  B-3  Certificates;  with  respect  to
Uncertificated  REMIC I Regular  Interest  X, the Class A-2  Certificates;  with
respect  to   Uncertificated   REMIC  I  Regular  Interest  Y,  the  Class  A-14
Certificates;  with respect to  Uncertificated  REMIC I Regular  Interest Z, the
Class  A-P  Certificates;  and with  respect  to the  Uncertificated  REMIC I IO
Regular Interests, the Class A-V Certificates.

        Cut-off Date: January 1, 2002.
        ------------

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

        Discount Net Mortgage Rate: 6.25% per annum.
        --------------------------

        Due Period:  With  respect to each  Distribution  Date and any  Mortgage
Loan, the period commencing on the second day of the month prior to the month in
which such  Distribution Date occurs and ending on the first day of the month in
which such Distribution Date occurs.

        Eligible Funds: On any  Distribution  Date, the portion,  if any, of the
Available  Distribution  Amount  remaining after reduction by the sum of (i) the
aggregate  amount of Accrued  Certificate  Interest on the Senior  Certificates,
(ii) the Senior Principal Distribution Amount (determined without

                                       -8-

<PAGE>

regard to Section 4.02(a)(ii)(Y)(D) of this Series Supplement),  (iii) the Class
A-P  Principal   Distribution  Amount  (determined  without  regard  to  Section
4.02(b)(i)(E)  of this  Series  Supplement)  and (iv) the  aggregate  amount  of
Accrued  Certificate   Interest  on  the  Class  M,  Class  B-1  and  Class  B-2
Certificates.

        Fraud Loss  Amount:  As of any date of  determination  after the Cut-off
Date, an amount equal to:(X) prior to the first  anniversary of the Cut-off Date
an  amount  equal to  3.00% of the  aggregate  principal  balance  of all of the
Mortgage  Loans as of the Cut-off  Date minus the  aggregate  amounts  allocated
through  subordination  with  respect  to  Fraud  Losses  up  to  that  date  of
determination, (Y) from the first to the second anniversary of the Cut-off Date,
an  amount  equal to  2.00% of the  aggregate  principal  balance  of all of the
Mortgage  Loans as of the Cut-off  Date minus the  aggregate  amounts  allocated
through  subordination  with  respect  to  Fraud  Losses  up  to  that  date  of
determination  and (Z) from the second to the fifth  anniversary  of the Cut-off
Date,  an amount  equal to (1) the lesser of (a) the Fraud Loss Amount as of the
most  recent  anniversary  of the  Cut-off  Date and (b) 1.00% of the  aggregate
principal balance of all of the Mortgage Loans as of the most recent anniversary
of  the  Cut-off  Date  minus  (2)  the  aggregate   amounts  allocated  through
subordination  with respect to Fraud Losses since the most recent anniversary of
the  Cut-off  Date up to that  date of  determination.  On and  after  the fifth
anniversary  of the Cut-off Date,  the Fraud Loss Amount shall be zero and Fraud
Losses shall not be allocated through subordination.

        The Fraud  Loss  Amount may be  further  reduced by the Master  Servicer
(including  accelerating the manner in which such coverage is reduced)  provided
that prior to any such  reduction,  the Master Servicer shall (i) obtain written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency  (without
giving effect to the Certificate Policy in the case of the Insured Certificates)
below  the  lower of the  then-current  rating or the  rating  assigned  to such
Certificates  as of the Closing  Date by such Rating  Agency and (ii)  provide a
copy of such written confirmation to the Trustee.

        Indirect Depository Participant: An institution that is not a Depository
Participant  but clears  through or  maintains  a  custodial  relationship  with
Participants and has access to the Depository's clearing system.

        Initial Monthly Payment Fund: $362,661, representing scheduled principal
amortization  and interest at the Net Mortgage Rate during the Due Period ending
in January  2002,  for those  Mortgage  Loans for which the Trustee  will not be
entitled to receive such payment in  accordance  with the  definition  of "Trust
Fund". The Initial Monthly Payment Fund will not be part of any REMIC.

        Initial  Notional Amount:  With respect to the Class A-2A  Certificates,
approximately  $25,016,400.00.  With  respect to the Class  A-14A  Certificates,
approximately  $30,407,214.00.  With  respect to any Class A-V  Certificates  or
Subclass thereof issued pursuant to Section 5.01(c),  the aggregate Cut-off Date
Principal  Balance of the Mortgage  Loans  corresponding  to the  Uncertificated
Class A-V REMIC Regular Interests  represented by such Class or Subclass on such
date.

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

                                       -9-

<PAGE>

        Class M-1: 1.35%                    Class B-1: 0.20%
        Class M-2: 0.50%                    Class B-2: 0.15%
        Class M-3: 0.40%                    Class B-3: 0.15%

     Interest  Accrual  Period:   With  respect  to  any  Certificates  and  any
Distribution  Date,  the  calendar  month  preceding  the  month in  which  such
Distribution Date occurs.

     Interest Only Certificates: Any one of Class A-2A Certificates, Class A-14A
Certificates or Class A-V Certificates. The Interest Only Certificates will have
no Certificate Principal Balance.

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

        Lockout Prepayment Percentage: For any Distribution Date occurring prior
to the  Distribution  Date in  February  2007,  0%.  For any  Distribution  Date
occurring  after the first five years  following  the Closing Date, a percentage
determined as follows: (i) for any Distribution Date during the sixth year after
the Closing Date,  30%; (ii) for any  Distribution  Date during the seventh year
after the Closing Date, 40%; (iii) for any  Distribution  Date during the eighth
year after the Closing  Date,  60%;  (iv) for any  Distribution  Date during the
ninth  year after the  Closing  Date,  80%;  and (v) for any  Distribution  Date
thereafter, 100%.

        Maturity Date: With respect to each Class of  Certificates,  January 25,
2032, the Distribution Date immediately  following the latest scheduled maturity
date of any Mortgage Loan.

        Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached
hereto as Exhibit One (as amended  from time to time to reflect the  addition of
Qualified  Substitute  Mortgage Loans),  which list or lists shall set forth the
following information as to each Mortgage Loan:

        (a)    the Mortgage Loan identifying number ("RFC LOAN #");
        (b)    the maturity of the Mortgage Note ("MATURITY DATE");
        (c)    the Mortgage Rate ("ORIG RATE");
        (d)    the Subservicer pass-through rate ("CURR NET");
        (e)    the Net Mortgage Rate ("NET MTG RT");
        (f)    the Pool Strip Rate ("STRIP");

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

        (h)    the Cut-off Date Principal Balance ("PRINCIPAL BAL");
        (i)    the Loan-to-Value Ratio at origination ("LTV");
        (j)    the rate at which the  Subservicing  Fee accrues  ("SUBSERV FEE")
               and at which the Servicing Fee accrues ("MSTR SERV FEE");
        (k)    a  code  "T,"  "BT"  or  "CT"  under  the  column  "LN  FEATURE,"
               indicating  that the  Mortgage  Loan is  secured  by a second  or
               vacation residence; and
        (l)    a code "N" under the  column  "OCCP  CODE,"  indicating  that the
               Mortgage Loan is secured by a non-owner occupied residence.

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

                                      -10-

<PAGE>

        Notional Amount:  As of any date of  determination,  with respect to the
Class A-2A Certificates,  an amount equal to the aggregate Certificate Principal
Balance of the Class A-2 Certificates. For federal income tax purposes, however,
as of any date of  determination,  with respect to the Class A-2A  Certificates,
the  equivalent  of the  foregoing,  expressed as the  Uncertificated  Principal
Balance of  Uncertificated  REMIC I Regular  Interest X, and when such  Notional
Amount is  multiplied by a  Pass-Through  Rate of 0.75%,  the resulting  Accrued
Certificate  Interest will be the economic equivalent of the Accrued Certificate
Interest   resulting   under  the  definition   thereof.   As  of  any  date  of
determination,  with respect to the Class A-14A Certificates, an amount equal to
the aggregate Certificate Principal Balance of the Class A-14 Certificates.  For
federal  income tax purposes,  however,  as of any date of  determination,  with
respect  to the Class  A-14A  Certificates,  the  equivalent  of the  foregoing,
expressed as the  Uncertificated  Principal  Balance of  Uncertificated  REMIC I
Regular   Interest  Y,  and  when  such  Notional  Amount  is  multiplied  by  a
Pass-Through Rate of 0.75%, the resulting Accrued  Certificate  Interest will be
the economic equivalent of the Accrued Certificate  Interest resulting under the
definition thereof.  As of any date of determination,  with respect to any Class
A-V  Certificates or Subclass  thereof issued pursuant to Section  5.01(c),  the
aggregate  Stated Principal  Balance of the Mortgage Loans  corresponding to the
Uncertificated  Class A-V REMIC Regular  Interests  represented by such Class or
Subclass as of the day immediately  preceding such  Distribution  Date (or, with
respect  to the  initial  Distribution  Date,  at the close of  business  on the
Cut-off Date).

        PAC Certificates: The Class A-14 Certificates.
        ----------------

        Pass-Through Rate: With respect to the Class A Certificates  (other than
the Variable  Strip  Certificates  and  Principal  Only  Certificates),  Class M
Certificates, Class B Certificates and Class R Certificates and any Distribution
Date, the per annum rates set forth in the  Preliminary  Statement  hereto.  For
federal income tax purposes,  however,  the Pass-Through Rate for the Class A-2A
Certificates  will be 0.75%  per  annum,  and  when  such  Pass-Through  Rate is
multiplied by a Notional Amount equal to the Uncertificated Principal Balance of
Uncertificated  REMIC I Regular  Interest X, the resulting  Accrued  Certificate
Interest  will be the economic  equivalent of the Accrued  Certificate  Interest
resulting under the definition thereof,  and the Pass-Through Rate for the Class
A-14A  Certificates  will be 0.75% per annum, and when such Pass-Through Rate is
multiplied by a Notional Amount equal to the Uncertificated Principal Balance of
Uncertificated  REMIC I Regular  Interest Y, the resulting  Accrued  Certificate
Interest  will be the economic  equivalent of the Accrued  Certificate  Interest
resulting  under  the  definition  thereof  .  With  respect  to the  Class  A-V
Certificates (other than any Subclass thereof) and any Distribution Date, a rate
equal to the  weighted  average,  expressed as a  percentage,  of the Pool Strip
Rates  of all  Mortgage  Loans  as of the Due Date in the  related  Due  Period,
weighted  on the  basis of the  respective  Stated  Principal  Balances  of such
Mortgage Loans as of the day immediately  preceding such  Distribution Date (or,
with respect to the initial  Distribution  Date, at the close of business on the
Cut-off  Date).  With  respect  to the Class A-V  Certificates  and the  initial
Distribution  Date the  Pass-Through  Rate is equal to 0.2234%  per annum.  With
respect to any Subclass of Class A-V Certificates  and any Distribution  Date, a
rate equal to the weighted average, expressed as a percentage, of the Pool Strip
Rates of all Mortgage Loans corresponding to the Uncertificated  Class A-V REMIC
Regular Interests represented by such Subclass as of the Due Date in the related
Due Period, weighted on the basis of the respective Stated Principal Balances of
such Mortgage Loans as of the day immediately  preceding such  Distribution Date
(or with respect to the initial  Distribution  Date, at the close of business on
the Cut-off Date).

                                      -11-

<PAGE>

The Principal Only  Certificates  have no Pass-Through Rate and are not entitled
to Accrued Certificate Interest.

        Planned Principal Balance: With respect to the PAC Certificates and each
Distribution Date, the amount set forth for such Class on such Distribution Date
on Exhibit Five hereto.

        Prepayment Assumption: A prepayment assumption of 300% of the prepayment
speed  assumption,  used for  determining the accrual of original issue discount
and market  discount  and premium on the  Certificates  for  federal  income tax
purposes.  The prepayment speed assumption assumes a constant rate of prepayment
of mortgage loans of 0.2% per annum of the then outstanding principal balance of
such  mortgage  loans in the  first  month of the  life of the  mortgage  loans,
increasing by an additional  0.2% per annum in each  succeeding  month until the
thirtieth month,  and a constant 6% per annum rate of prepayment  thereafter for
the life of the mortgage loans.

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

               (i) For any Distribution  Date prior to the Distribution  Date in
        February 2007 (unless the Certificate  Principal  Balances of the Senior
        Certificates  (other than the Class A-P Certificates)  have been reduced
        to zero), 0%.

               (ii) For any  Distribution  Date for which  clause (i) above does
        not  apply,  and on which  any  Class of  Subordinate  Certificates  are
        outstanding:

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

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

               (iii)  Notwithstanding  the foregoing,  if the application of the
        foregoing  percentages on any  Distribution  Date as provided in Section
        4.02 of this Series Supplement (determined without regard to the proviso
        to the definition of "Subordinate  Principal Distribution Amount") would
        result in a distribution in respect of principal of any Class or Classes
        of  Subordinate  Certificates  in an amount  greater than the  remaining
        Certificate  Principal  Balance  thereof  (any such  class,  a "Maturing
        Class"),  then:  (a)  the  Prepayment  Distribution  Percentage  of each
        Maturing  Class  shall be  reduced  to a level  that,  when  applied  as
        described above, would exactly reduce the Certificate  Principal Balance
        of such Class to zero;  (b) the  Prepayment  Distribution  Percentage of
        each other Class of Subordinate Certificates (any such

                                      -12-

<PAGE>

        Class, a "Non-Maturing  Class") shall be recalculated in accordance with
        the provisions in paragraph (ii) above, as if the Certificate  Principal
        Balance of each Maturing Class had been reduced to zero (such percentage
        as recalculated, the "Recalculated Percentage"); (c) the total amount of
        the  reductions  in  the  Prepayment  Distribution  Percentages  of  the
        Maturing  Class or  Classes  pursuant  to clause  (a) of this  sentence,
        expressed  as an  aggregate  percentage,  shall be  allocated  among the
        Non-Maturing  Classes in  proportion  to their  respective  Recalculated
        Percentages (the portion of such aggregate reduction so allocated to any
        Non-Maturing Class, the "Adjustment  Percentage");  and (d) for purposes
        of such  Distribution  Date, the Prepayment  Distribution  Percentage of
        each Non-Maturing  Class shall be equal to the sum of (1) the Prepayment
        Distribution  Percentage  thereof,  calculated  in  accordance  with the
        provisions  in  paragraph  (ii)  above as if the  Certificate  Principal
        Balance of each  Maturing  Class had not been reduced to zero,  plus (2)
        the related Adjustment Percentage.

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

        Record Date:  With respect to each  Distribution  Date and each Class of
Certificates,  the close of business on the last  Business Day of the month next
preceding the month in which the related Distribution Date occurs.

     Relief  Act:  The  Soldiers'  and  Sailors'  Civil  Relief Act of 1940,  as
amended, or similar legislation or regulations as in effect from time to time.

     Relief Act Shortfalls:  Shortfalls in interest  payable by a Mortgagor that
is not collectable from the Mortgagor pursuant to the Relief Act.

        REMIC I: The  segregated  pool of assets  related to this  Series,  with
respect  to which a REMIC  election  is to be made  (except as  provided  below)
pursuant to this Agreement, consisting of:

          (i)  the Mortgage Loans and the related  Mortgage Files and collateral
               securing such Mortgage Loans,

        (ii)   all payments on and  collections in respect of the Mortgage Loans
               due  after  the  Cut-off  Date  as  shall  be on  deposit  in the
               Custodial Account or in the Certificate Account and identified as
               belonging  to the Trust Fund,  including  the  proceeds  from the
               liquidation  of  Pledged  Assets  for  any  Pledged  Asset  Loan,
               including amounts on deposit in the Initial Monthly Payment Fund,

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

        (iv)   the hazard insurance policies and Primary Insurance Policies,  if
               any, the Pledged  Assets with respect to each Pledged Asset Loan,
               and

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

                                      -13-

<PAGE>

        Notwithstanding the foregoing,  the REMIC election specifically excludes
the Initial Monthly Payment Fund.

        REMIC I Certificates:  The Class R-I Certificates.

        REMIC II: The segregated pool of assets consisting of the Uncertificated
REMIC I Regular  Interests  conveyed  in trust to the Trustee for the benefit of
the holders of the Class A-1, Class A-2, Class A-2A, Class A-3, Class A-4, Class
A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A- 10, Class A-11,  Class
A-12, Class A-13,  Class A-14,  Class A-14A,  Class A-15, Class A-16, Class A-P,
Class A-V,  Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and
R-II  Certificates  pursuant to Section  2.06,  with respect to which a separate
REMIC  election  is to be made.  The REMIC  election  with  respect  to REMIC II
specifically excludes the Initial Monthly Payment Fund, the Rounding Account and
the Reserve Fund.

        REMIC II  Certificates:  Any of the Class A-1,  Class A-2,  Class  A-2A,
Class A-3,  Class A-4,  Class A-5,  Class A-6,  Class A-7, Class A-8, Class A-9,
Class A-10, Class A-11,  Class A-12, Class A-13, Class A-14, Class A-14A,  Class
A-P, Class A-V, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3
and Class R-II Certificates.

        Retail Certificates:  Any of the Class A-13 Certificates.

        Scheduled Final Distribution Date: January 25, 2032.

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

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

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

        Special Hazard Amount:  As of any Distribution  Date, an amount equal to
$9,271,147  minus the sum of (i) the aggregate  amount of Special  Hazard Losses
allocated  solely to one or more specific  Classes of Certificates in accordance
with Section 4.05 of this Series  Supplement and (ii) the Adjustment  Amount (as
defined below) as most recently calculated. For each anniversary of the Cut- off
Date, the Adjustment  Amount shall be equal to the amount,  if any, by which the
amount

                                      -14-

<PAGE>

calculated in accordance with the preceding  sentence  (without giving effect to
the deduction of the Adjustment Amount for such anniversary) exceeds the greater
of (A) the  greatest  of (i)  twice the  outstanding  principal  balance  of the
Mortgage  Loan in the Trust Fund  which has the  largest  outstanding  principal
balance on the Distribution Date immediately  preceding such  anniversary,  (ii)
the product of 1.00%  multiplied  by the  outstanding  principal  balance of all
Mortgage Loans on the Distribution  Date immediately  preceding such anniversary
and (iii) the aggregate  outstanding  principal  balance (as of the  immediately
preceding  Distribution  Date) of the  Mortgage  Loans in any single  five-digit
California  zip code area with the largest amount of Mortgage Loans by aggregate
principal  balance as of such anniversary and (B) the greater of (i) the product
of 0.50% multiplied by the outstanding  principal  balance of all Mortgage Loans
on the Distribution Date immediately preceding such anniversary  multiplied by a
fraction, the numerator of which is equal to the aggregate outstanding principal
balance  (as of  the  immediately  preceding  Distribution  Date)  of all of the
Mortgage  Loans  secured  by  Mortgaged  Properties  located  in  the  State  of
California  divided by the aggregate  outstanding  principal  balance (as of the
immediately preceding Distribution Date) of all of the Mortgage Loans, expressed
as a percentage,  and the denominator of which is equal to  approximately  43.2%
(which percentage is equal to the percentage of Mortgage Loans initially secured
by  Mortgaged  Properties  located  in the  State  of  California)  and (ii) the
aggregate  outstanding  principal  balance  (as  of  the  immediately  preceding
Distribution  Date) of the largest Mortgage Loan secured by a Mortgaged Property
(or,  with respect to a Cooperative  Loan,  the related  Cooperative  Apartment)
located in the State of California.

        The Special Hazard Amount may be further  reduced by the Master Servicer
(including  accelerating the manner in which coverage is reduced)  provided that
prior to any such  reduction,  the  Master  Servicer  shall (i)  obtain  written
confirmation  from each Rating Agency that such  reduction  shall not reduce the
rating  assigned to any Class of  Certificates  by such Rating  Agency  (without
giving effect to the Certificate Policy in the case of the Insured Certificates)
below  the  lower of the  then-current  rating or the  rating  assigned  to such
Certificates  as of the Closing  Date by such Rating  Agency and (ii)  provide a
copy of such written confirmation to the Trustee.

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

                                      -15-

<PAGE>

Lowest Priority,  any Excess Subordinate  Principal Amount for such Distribution
Date; provided,  however, that the Subordinate Principal Distribution Amount for
any Class of Subordinate Certificates on any Distribution Date shall in no event
exceed  the  outstanding   Certificate   Principal  Balance  of  such  Class  of
Certificates immediately prior to such date.

        TAC Certificates: The Class A-15 Certificates.
        ----------------

        Targeted  Principal  Balance:  With respect to the TAC  Certificates and
each Distribution Date, the amount set forth for such Class on such Distribution
Date on Exhibit Five hereto.

        Trust Fund:  REMIC I, REMIC II and the Initial Monthly Payment Fund.
        ----------

        Uncertificated  Class A-V REMIC Accrued  Interest:  With respect to each
Distribution Date, as to each  Uncertificated  Class A-V REMIC Regular Interest,
an amount equal to the  aggregate  amount of Accrued  Certificate  Interest that
would  result  under  the  terms  of  the   definition   thereof  on  each  such
uncertificated  interest,  if  the  Pass-Through  Rate  on  such  uncertificated
interest was equal to the related  Uncertificated  Class A-V REMIC  Pass-Through
Rate and the notional  amount of such  uncertificated  interest was equal to the
related  Uncertificated  Class A-V REMIC  Notional  Amount;  provided,  that any
reduction  in the  amount of Accrued  Certificate  Interest  resulting  from the
allocation of Prepayment Interest  Shortfalls,  Realized Losses or other amounts
to the Class A-V  Certificateholders  pursuant to Section  4.05 hereof  shall be
allocated to the  Uncertificated  Class A-V REMIC Regular  Interests pro rata in
accordance  with the amount of interest  accrued  with  respect to each  related
Uncertificated Class A-V REMIC Notional Amount and such Distribution Date.

        Uncertificated  Class A-V REMIC  Notional  Amount:  With respect to each
Uncertificated  Class A-V REMIC  Regular  Interest,  the  amount of the  related
Uncertificated REMIC I IO Notional Amount.

        Uncertificated  Class A-V REMIC  Pass-Through Rate: With respect to each
Uncertificated Class A-V REMIC Regular Interest, 100% of the interest payable on
the related Uncertificated REMIC I IO Regular Interest.

        Uncertificated  Class A-V REMIC Regular Interest  Distribution  Amounts:
With  respect to any  Distribution  Date,  the sum of the  amounts  deemed to be
distributed  on the  Uncertificated  Class AV REMIC  Regular  Interests for such
Distribution Date pursuant to Section 4.08(a).

        Uncertificated   Class   A-V   REMIC   Regular   Interests:   The   1909
uncertificated  partial undivided  beneficial  ownership  interests in the Trust
Fund numbered  sequentially  from 1 through 1909 each relating to the particular
Mortgage Loan  identified by  sequential  number on the Mortgage Loan  Schedule,
each having no principal  balance,  and each bearing the  respective  Pool Strip
Rate on the Stated Principal Balance of the related Mortgage Loan.

        Uncertificated  Principal Balance:  With respect to each  Uncertificated
REMIC I Regular Interest on any date of determination, an amount equal to (A)(i)
$870,314,145.85  with respect to Uncertificated REMIC I Regular Interest W, (ii)
$25,016,400.00 with respect to Uncertificated  REMIC I Regular Interest X, (iii)
$30,407,214.00  with respect to  Uncertificated  REMIC I Regular  Interest Y and
(iv)  $1,376,798.17  with respect to Uncertificated  REMIC I Regular Interest Z,
minus

                                      -16-

<PAGE>

(B) the sum of (x) the aggregate of all amounts  previously  deemed  distributed
with respect to such interest and applied to reduce the Uncertificated Principal
Balance  thereof  pursuant to Section  4.09(a)(ii)  and (y) the aggregate of all
reductions  in  Uncertificated  Principal  Balance  deemed to have  occurred  in
connection  with Realized Losses that were  previously  deemed  allocated to the
Uncertificated Principal Balance of such Uncertificated REMIC I Regular Interest
pursuant to Section 4.09(d).

        Uncertificated   REMIC  I  Accrued   Interest:   With  respect  to  each
Distribution  Date,  (i) as to  Uncertificated  REMIC I Regular  Interest  W, an
amount equal to the aggregate amount of Accrued Certificate  Interest that would
result under the terms of the  definition  thereof on the Class A-1,  Class A-3,
Class A-4,  Class A-5,  Class A-6,  Class A-7, Class A-8, Class A-9, Class A-10,
Class A-11,  Class A-12,  Class A-13,  Class A-15, Class A-16, Class R-II, Class
M-1, Class M-2, Class M-3,  Class B-1, Class B-2 and Class B-3  Certificates  if
the  Pass-Through  Rate on each such  Classes  were equal to the  Uncertificated
REMIC I Pass-Through  Rate and the  Uncertificated  Principal  Balances were the
Certificate  Principal  Balances,  (ii) as to  Uncertificated  REMIC  I  Regular
Interest  X, an amount  equal to the  aggregate  amount of  Accrued  Certificate
Interest  that would  result  under the terms of the  definition  thereof on the
Class A-2 Certificates if the Pass-Through  Rate on such Class were equal to the
Uncertificated  REMIC  I  Pass-Through  Rate  and the  Uncertificated  Principal
Balance were the Certificate Principal Balance, (iii) as to Uncertificated REMIC
I  Regular  Interest  Y, an amount  equal to the  aggregate  amount  of  Accrued
Certificate Interest that would result under the terms of the definition thereof
on the A-14  Certificates if the  Pass-Through  Rate on such Class were equal to
the Uncertificated  REMIC I Pass-Through Rate and the  Uncertificated  Principal
Balance were the Certificate  Principal Balance, (iv) as to Uncertificated REMIC
I  Regular  Interest  Z, an amount  equal to the  aggregate  amount  of  Accrued
Certificate Interest that would result under the terms of the definition thereof
on the Class A-P Certificates if the Pass-Through  Rate on such Class were equal
to the Uncertificated REMIC I Pass-Through Rate and the Uncertificated Principal
Balance were the Certificate Principal Balance and (v) as to each Uncertificated
REMIC I IO Regular Interest,  an amount equal to the aggregate amount of Accrued
Certificate Interest that would result under the terms of the definition thereof
on  each  such  uncertificated  interest,  if the  Pass-  Through  Rate  on such
uncertificated  interest was equal to the related  Uncertificated  REMIC I Pass-
Through Rate and the notional amount of such  uncertificated  interest was equal
to the related  Uncertificated  REMIC I IO Notional Amount;  provided,  that any
reduction  in the  amount of Accrued  Certificate  Interest  resulting  from the
allocation of Prepayment Interest  Shortfalls,  Realized Losses or other amounts
to the  Certificates  pursuant  to Sections  4.02(a)  and 4.05  hereof  shall be
allocated  to the  Uncertificated  REMIC I  Regular  Interests  for  which  such
Certificates are the Corresponding Certificated Interests.

        Uncertificated  REMIC  I  IO  Notional  Amount:  With  respect  to  each
Uncertificated  REMIC I IO Regular  Interest,  an amount equal to the  aggregate
Stated Principal Balance of the related Non- Discount Mortgage Loan.

        Uncertificated  REMIC I IO Regular  Interests:  The 1909  uncertificated
partial undivided  beneficial ownership interests in REMIC I, each relating to a
Mortgage  Loan with a Net  Mortgage  Rate in excess  of  6.25%,  each  having no
principal balance, and each bearing interest at the related Uncertificated REMIC
I Pass-Through Rate on the related Uncertificated REMIC I IO Notional Amount.

                                      -17-

<PAGE>

        Uncertificated  REMIC I Pass-Through  Rate:  With respect to each of the
Uncertificated  REMIC I Regular Interests W, X, Y and Z, 6.25%,  6.25% 6.25% and
0.00%, respectively. With respect to Uncertificated REMIC I IO Regular Interest,
an amount equal to the Pool Strip Rate for the related Mortgage Loan.

        Uncertificated  REMIC I Regular  Interest W: An  uncertificated  partial
undivided  beneficial  ownership  interest in REMIC I having a principal balance
equal to the aggregate  Certificate  Principal  Balance of the Class A-1,  Class
A-3,  Class A-4,  Class A-5,  Class A-6,  Class A-7, Class A-8, Class A-9, Class
A-10,  Class A-11,  Class A-12,  Class A-13, Class A-15, Class A-16, Class R-II,
Class  M- 1,  Class  M-2,  Class  M-3,  Class  B-1,  Class  B-2  and  Class  B-3
Certificates and which bears interest at a rate equal to 6.25% per annum.

        Uncertificated  REMIC I Regular  Interest X: An  uncertificated  partial
undivided  beneficial  ownership  interest in REMIC I having a principal balance
equal  to  the  aggregate   Certificate  Principal  Balance  of  the  Class  A-2
Certificates and which bears interest at a rate equal to 6.25% per annum.

        Uncertificated  REMIC I Regular  Interest Y: An  uncertificated  partial
undivided  beneficial  ownership  interest in REMIC I having a principal balance
equal  to  the  aggregate  Certificate  Principal  Balance  of  the  Class  A-14
Certificates and which bears interest at a rate equal to 6.25% per annum.

        Uncertificated  REMIC I Regular  Interest Z: An  uncertificated  partial
undivided  beneficial  ownership  interest in REMIC I having a principal balance
equal  to  the  aggregate   Certificate  Principal  Balance  of  the  Class  A-P
Certificates, and which bears interest at a rate equal to 0.00% per annum.

        Uncertificated REMIC I Regular Interests: Uncertificated REMIC I Regular
Interest W, Uncertificated  REMIC I Regular Interest X,  Uncertificated  REMIC I
Regular  Interest  Y,  Uncertificated   REMIC  I  Regular  Interest  Z  and  the
Uncertificated REMIC I IO Regular Interests.

        Uncertificated  REMIC I IO Regular Interest  Distribution  Amount:  With
respect  to  any  Distribution  Date,  the  sum  of  the  amounts  deemed  to be
distributed  on  the  Uncertificated  REMIC  I IO  Regular  Interests  for  such
Distribution Date pursuant to Section 4.09(a).

        Uncertificated  REMIC I Regular  Interest W  Distribution  Amount:  With
respect  to  any  Distribution  Date,  the  sum  of  the  amounts  deemed  to be
distributed  on  the  Uncertificated   REMIC  I  Regular  Interest  W  for  such
Distribution Date pursuant to Section 4.09(a).

        Uncertificated  REMIC I Regular  Interest X  Distribution  Amount:  With
respect  to  any  Distribution  Date,  the  sum  of  the  amounts  deemed  to be
distributed  on  the  Uncertificated   REMIC  I  Regular  Interest  X  for  such
Distribution Date pursuant to Section 4.09(a).

        Uncertificated  REMIC I Regular  Interest Y  Distribution  Amount:  With
respect  to  any  Distribution  Date,  the  sum  of  the  amounts  deemed  to be
distributed  on  the  Uncertificated   REMIC  I  Regular  Interest  Y  for  such
Distribution Date pursuant to Section 4.09(a).

        Uncertificated  REMIC I Regular  Interest Z  Distribution  Amount:  With
respect  to  any  Distribution  Date,  the  sum  of  the  amounts  deemed  to be
distributed  on  the  Uncertificated   REMIC  I  Regular  Interest  Z  for  such
Distribution Date pursuant to Section 4.09(a).

                                      -18-

<PAGE>

        Uncertificated  REMIC  I  Regular  Interest  Distribution  Amounts:  The
Uncertificated   REMIC  I  Regular   Interest   W   Distribution   Amount,   the
Uncertificated   REMIC  I  Regular   Interest   X   Distribution   Amount,   the
Uncertificated   REMIC  I  Regular   Interest   Y   Distribution   Amount,   the
Uncertificated   REMIC  I  Regular  Interest  Z  Distribution   Amount  and  the
Uncertificated REMIC I IO Regular Interest Distribution Amount.

        Underwriters: Salomon Smith Barney Inc. and Bear, Stearns & Co. Inc.

        Section 1.02  Use of Words and Phrases.

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

                                      -19-

<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;
                        ORIGINAL ISSUANCE OF CERTIFICATES

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

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

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

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

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

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

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

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

                      (iv) To the best of the Company's knowledge, except in the
               case of one Mortgage  Loan  representing  0.04% of the  aggregate
               Stated  Principal  Balance of the Mortgage  Loans,  if a Mortgage
               Loan is  secured by a  Mortgaged  Property  with a  Loan-to-Value
               Ratio at  origination in excess of 80%, such Mortgage Loan is the
               subject of a Primary  Insurance  Policy that  insures that (a) at
               least 30% of the Stated Principal Balance of the Mortgage Loan at
               origination  if the  Loan-to-Value  Ratio is  between  95.00% and
               90.01%,  (b) at least 25% of such  balance  if the  Loan-to-Value
               Ratio is between 90.00% and 85.01%,  and (c) at least 12% of such
               balance if the Loan-to-Value  Ratio is between 85.00% and 80.01%.
               To the  best  of  the  Company's  knowledge,  each  such  Primary
               Insurance  Policy is in full force and effect and to the  Trustee
               is entitled to the benefits  thereunder.  Two Pledged Asset Loans
               representing   approximately   0.1%  of  the  Mortgage  Loans  by
               aggregate Stated Principal Balance as of the Cut-off Date will be
               secured by Pledged  Assets in addition  to the related  Mortgaged
               Property and in lieu of any Primary Insurance Policy;

                                      -20-

<PAGE>

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

                      (vi) No more than 0.6% of the Mortgage  Loans by aggregate
               Stated  Principal  Balance as of the Cut-off  Date are secured by
               Mortgaged  Properties  located  in  any  one  zip  code  area  in
               California  and no  more  than  0.7%  of the  Mortgage  Loans  by
               aggregate  Stated  Principal  Balance as of the Cut-off  Date are
               secured by Mortgaged  Properties located in any one zip code area
               outside California;

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

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

                    (ix) 10.23% of the Mortgage Loans were underwritten  under a
               reduced loan documentation program;

                      (x) Each  Mortgagor  represented  in its loan  application
               with  respect to the  related  Mortgage  Loan that the  Mortgaged
               Property would be  owner-occupied  and therefore  would not be an
               investor  property as of the date of origination of such Mortgage
               Loan. No Mortgagor is a corporation or a partnership;

                    (xi) None of the Mortgage Loans is a Buydown Mortgage Loan;

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

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

                      (xiv)  None of the Mortgage Loans are Cooperative Loans;

                      (xv) With respect to each Mortgage Loan originated under a
               "streamlined"  Mortgage  Loan  program  (through  which no new or
               updated  appraisals  of  Mortgaged  Properties  are  obtained  in
               connection with the refinancing thereof), the related Seller

                                      -21-

<PAGE>

               has  represented  that  either  (a)  the  value  of  the  related
               Mortgaged   Property  as  of  the  date  the  Mortgage  Loan  was
               originated was not less than the appraised value of such property
               at the time of origination of the refinanced Mortgage Loan or (b)
               the Loan-  to-Value  Ratio of the Mortgage Loan as of the date of
               origination  of the Mortgage Loan  generally  meets the Company's
               underwriting guidelines;

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

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

                      (xviii)Two   of   the   Mortgage    Loans,    representing
               approximately  0.1% of the  Mortgage  Loans by  aggregate  Stated
               Principal  Balance as of the Cut-off  Date,  are a Pledged  Asset
               Loan.

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

        Upon discovery by any of the Company,  the Master Servicer,  the Trustee
or any Custodian of a breach of any of the  representations  and  warranties set
forth  in this  Section  2.03(b)  that  materially  and  adversely  affects  the
interests of the  Certificateholders in any Mortgage Loan, the party discovering
such breach shall give prompt written notice to the other parties (any Custodian
being so obligated under a Custodial Agreement);  provided, however, that in the
event of a breach  of the  representation  and  warranty  set  forth in  Section
2.03(b)(xii),  the party  discovering  such breach shall give such notice within
five days of discovery. Within 90 days of its discovery or its receipt of notice
of  breach,  the  Company  shall  either  (i) cure such  breach in all  material
respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase
Price and in the manner set forth in Section  2.02;  provided  that the  Company
shall have the option to  substitute  a Qualified  Substitute  Mortgage  Loan or
Loans  for such  Mortgage  Loan if such  substitution  occurs  within  two years
following the Closing Date;  provided that if the omission or defect would cause
the Mortgage Loan to be other than a "qualified  mortgage" as defined in Section
860G(a)(3) of the Code,  any such cure or  repurchase  must occur within 90 days
from the date  such  breach  was  discovered.  Any  such  substitution  shall be
effected  by the  Company  under the same terms and  conditions  as  provided in
Section 2.04 for  substitutions  by  Residential  Funding.  It is understood and
agreed that the  obligation of the Company to cure such breach or to so purchase
or  substitute  for any Mortgage Loan as to which such a breach has occurred and
is continuing shall constitute the sole remedy  respecting such breach available
to the  Certificateholders  or the Trustee on behalf of the  Certificateholders.
Notwithstanding  the  foregoing,  the  Company  shall  not be  required  to cure
breaches  or  purchase  or  substitute  for  Mortgage  Loans as provided in this
Section  2.03(b) if the  substance of the breach of a  representation  set forth
above also constitutes fraud in the origination of the Mortgage Loan.

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

        Section 2.05  Execution and Authentication of Certificates.

                                      -22-

<PAGE>

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

        Section 2.06  Conveyance of  Uncertificated  REMIC I;  Acceptance by the
Trustee.

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

        Section 2.07 Issuance of Certificates Evidencing Interest in REMIC II.

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

                                      -23-

<PAGE>

                                   ARTICLE III

                          ADMINISTRATION AND SERVICING
                                OF MORTGAGE LOANS
                     (SEE ARTICLE III OF THE STANDARD TERMS)

                                      -24-

<PAGE>

                                   ARTICLE IV

                         PAYMENTS TO CERTIFICATEHOLDERS

          Section 4.01  Certificate  Account.  (See Section 4.01 of the Standard
               Terms)

        Section 4.02  Distributions.
                      -------------

               (a) On each  Distribution  Date (x) the Master Servicer on behalf
        of the Trustee or (y) the Paying Agent appointed by the Trustee,  to the
        Master  Servicer,  in the case of a  distribution  pursuant  to  Section
        4.02(a)(iii)  below, the amount required to be distributed to the Master
        Servicer or a Sub-Servicer  pursuant to Section  4.02(a)(iii) below, and
        to each  Certificateholder  of record on the next preceding  Record Date
        (other  than  as  provided  in  Section   9.01   respecting   the  final
        distribution),  either  (1) in  immediately  available  funds  (by  wire
        transfer or  otherwise)  to the account of such  Certificateholder  at a
        bank or other entity having  appropriate  facilities  therefor,  if such
        Certificateholder  has so  notified  the Master  Servicer  or the Paying
        Agent, as the case may be, or (2) if such  Certificateholder  has not so
        notified the Master  Servicer or the Paying Agent by the Record Date, by
        check  mailed to such  Certificateholder  at the  address of such Holder
        appearing in the Certificate Register,  such  Certificateholder's  share
        (which share (A) with respect to each Class of Certificates  (other than
        any  Subclass  of the  Class  A-V  Certificates),  shall be based on the
        aggregate of the Percentage Interests represented by Certificates of the
        applicable Class held by such Holder or (B) with respect to any Subclass
        of the Class A-V  Certificates,  shall be equal to the  amount  (if any)
        distributed  pursuant  to Section  4.02(a)(i)  below to each Holder of a
        Subclass  thereof) of the following  amounts,  in the following order of
        priority  (subject to the provisions of Section 4.02(b) below),  in each
        case to the extent of the Available Distribution Amount:

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

                      (ii) (X) to the  Class  A-P  Certificates,  the  Class A-P
               Principal  Distribution  Amount (as defined in Section 4.02(b)(i)
               herein); and

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

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

                                      -25-

<PAGE>

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

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

                                    (3)  the  principal  portion  of  all  other
                             unscheduled   collections   (other  than  Principal
                             Prepayments  in Full and  Curtailments  and amounts
                             received in connection  with a Cash  Liquidation or
                             REO  Disposition  of a Mortgage  Loan  described in
                             Section    4.02(a)(ii)(Y)(B)    of   this    Series
                             Supplement,  including without limitation Insurance
                             Proceeds,  Liquidation  Proceeds and REO  Proceeds)
                             received  during the preceding  calendar  month (or
                             deemed to have been so received in accordance  with
                             Section  3.07(b)  of  the  Standard  Terms)  to the
                             extent applied by the Master Servicer as recoveries
                             of principal of the related  Mortgage Loan pursuant
                             to Section 3.14 of the  Standard  Terms (other than
                             the  related  Discount  Fraction  of the  principal
                             portion  of  such  unscheduled  collections,   with
                             respect to each Discount Mortgage Loan);

                             (B) with respect to each  Mortgage Loan for which a
                      Cash Liquidation or a REO Disposition  occurred during the
                      preceding  calendar  month (or was deemed to have occurred
                      during such period in accordance  with Section  3.07(b) of
                      the  Standard  Terms)  and did not  result  in any  Excess
                      Special  Hazard  Losses,   Excess  Fraud  Losses,   Excess
                      Bankruptcy Losses or Extraordinary Losses, an amount equal
                      to the  lesser  of (a)  the  Senior  Percentage  for  such
                      Distribution  Date times the Stated  Principal  Balance of
                      such  Mortgage  Loan  (other  than  the  related  Discount
                      Fraction of such Stated

                                      -26-

<PAGE>

                      Principal Balance,  with respect to each Discount Mortgage
                      Loan)  and  (b)  the   Senior   Accelerated   Distribution
                      Percentage  for such  Distribution  Date times the related
                      unscheduled   collections  (including  without  limitation
                      Insurance Proceeds, Liquidation Proceeds and REO Proceeds)
                      to the extent applied by the Master Servicer as recoveries
                      of  principal  of the related  Mortgage  Loan  pursuant to
                      Section  3.14 of the  Standard  Terms (in each case  other
                      than the  portion of such  unscheduled  collections,  with
                      respect to a Discount  Mortgage Loan,  included in Section
                      4.02(b)(i)(C) of this Series Supplement);

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

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

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

                      (iii)  if  the  Certificate   Principal  Balances  of  the
               Subordinate  Certificates  have not been reduced to zero,  to the
               Master  Servicer or a  Sub-Servicer,  by remitting for deposit to
               the Custodial Account,  to the extent of and in reimbursement for
               any  Advances  or  Sub-Servicer  Advances  previously  made  with
               respect  to any  Mortgage  Loan  or  REO  Property  which  remain
               unreimbursed  in whole or in part following the Cash  Liquidation
               or REO  Disposition of such Mortgage Loan or REO Property,  minus
               any such  Advances  that were made with respect to  delinquencies
               that ultimately  constituted Excess Special Hazard Losses, Excess
               Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses;

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

                      (v) to the  Holders  of the  Class  M-1  Certificates,  an
               amount equal to (x) the Subordinate Principal Distribution Amount
               for such Class of Certificates for such Distribution  Date, minus
               (y) the amount of any Class A-P  Collection  Shortfalls  for such
               Distribution   Date  or   remaining   unpaid  for  all   previous
               Distribution  Dates, to the extent the amounts available pursuant
               to clause (x) of Sections 4.02(a)(vii), (ix), (xi),

                                      -27-

<PAGE>

               (xiii), (xiv) and (xv) of this Series Supplement are insufficient
               therefor,  applied  in  reduction  of the  Certificate  Principal
               Balance of the Class M-1 Certificates;

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

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

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

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

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

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

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

                                      -28-

<PAGE>

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

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

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

                      (xvi) to the  Senior  Certificates,  in the  priority  set
               forth in Section 4.02(b) of this Series Supplement,  the portion,
               if any, of the Available  Distribution Amount remaining after the
               foregoing distributions,  but in no event more than the aggregate
               of the outstanding  Certificate  Principal  Balances of each such
               Class of Senior  Certificates,  and thereafter,  to each Class of
               Subordinate  Certificates  then  outstanding  beginning with such
               Class with the Highest  Priority,  any  portion of the  Available
               Distribution  Amount remaining after the Senior Certificates have
               been retired, applied to reduce the Certificate Principal Balance
               of each such Class of Subordinate  Certificates,  but in no event
               more than the outstanding  Certificate  Principal Balance of each
               such Class of Subordinate Certificates; and

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

        Notwithstanding the foregoing, on any Distribution Date, with respect to
the Class of Subordinate Certificates outstanding on such Distribution Date with
the Lowest Priority, or in the event the Subordinate  Certificates are no longer
outstanding,  the Senior  Certificates,  Accrued  Certificate  Interest  thereon
remaining unpaid from any previous  Distribution Date will be distributable only
to the extent that such unpaid Accrued Certificate  Interest was attributable to
interest  shortfalls  relating to the failure of the Master Servicer to make any
required Advance,  or the determination by the Master Servicer that any proposed
Advance would be a  Nonrecoverable  Advance with respect to the related Mortgage
Loan where such Mortgage Loan has not yet been the subject of a Cash Liquidation
or REO Disposition or the related Liquidation  Proceeds,  Insurance Proceeds and
REO Proceeds have not yet been distributed to the Certificateholders.

                                      -29-

<PAGE>

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

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

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

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

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

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

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

                      (ii) an amount  equal to the Accrual  Distribution  Amount
               shall  be  distributed  in the  following  manner  and  order  or
               priority:

                                      -30-

<PAGE>

                             (A)   first,   sequentially,   to  the   Class  A-2
                      Certificates  and Class  A-10  Certificates,  in each case
                      until the Certificate Principal Balances thereof have been
                      reduced to zero; and

                             (B) second,  concurrently  on a pro rata basis,  to
                      the Class A-7, Class A-8 and Class A-9 Certificates, until
                      the  Certificate  Principal  Balances  thereof  have  been
                      reduced to zero;

                      (iii) the Senior  Principal  Distribution  Amount shall be
        distributed,  concurrently, to the Class R-I Certificates and Class R-II
        Certificates,  on a pro rata  basis,  until  the  Certificate  Principal
        Balances thereof have been reduced to zero;

                      (iv) the  balance  of the  Senior  Principal  Distribution
        Amount remaining after the distribution  described in clause (iii) above
        shall be  distributed to the Lockout  Certificates,  in reduction of the
        Certificate Principal Balance thereof, in an amount equal to the Lockout
        Percentage  of the Lockout  Certificates'  pro rata share  (based on the
        Certificate   Principal   Balance  thereof  relative  to  the  aggregate
        Certificate  Principal  Balance of all  classes  of Senior  Certificates
        (other than the Principal  Only  Certificates)),  until the  Certificate
        Principal Balance thereof has been reduced to zero;

                      (v)  the  balance  of the  Senior  Principal  Distribution
        Amount remaining after the  distributions,  if any,  described in clause
        (iii) and (iv) above shall be distributed to the Class A-11, Class A-12,
        Class A-13,  Class A-14,  Class A-15 and Class A-16  Certificates  in an
        amount equal to their pro rata share (based on the aggregate Certificate
        Principal Balance of the Class A-11, Class A-12, Class A-13, Class A-14,
        Class  A-15  and  Class  A-16  Certificates  relative  to the  aggregate
        Certificate Principal Balance of the Senior Certificates, other than the
        Principal  Only and Lockout  Certificates)  in the following  manner and
        order of priority:

                             (A) first,  57.1428572391%  of the amount described
                      above in this clause (v), to the Class A-11  Certificates,
                      until the Certificate  Principal  Balance thereof has been
                      reduced to zero;

                             (B) second, to the Class A-14  Certificates,  until
                      the Certificate Principal Balance thereof has been reduced
                      to its Planned  Principal  Balance  for such  Distribution
                      Date;

                             (C) third,  to the Class A-15  Certificates,  until
                      the Certificate Principal Balance thereof has been reduced
                      to its Targeted  Principal  Balance for such  Distribution
                      Date;

                             (D) fourth, to the Class A-16  Certificates,  until
                      the Certificate Principal Balance thereof has been reduced
                      to zero;

                             (E) fifth, to the Class A-15 Certificates,  without
                      regard  to  the  Targeted   Principal   Balance  for  such
                      Distribution Date, until the Certificate Principal Balance
                      thereof the has been reduced to zero;

                                      -31-

<PAGE>

                             (F) sixth, to the Class A-14 Certificates,  without
                      regard  to  the   Planned   Principal   Balance  for  such
                      Distribution Date, until the Certificate Principal Balance
                      thereof has been reduced to zero; and

                             (G)  seventh,   sequentially,  to  the  Class  A-12
                      Certificates  and Class A- 13  Certificates,  in each case
                      until the Certificate  Principal  Balance thereof has been
                      reduced to zero;

                      (vi) 41.1279039375% of the balance of the Senior Principal
        Distribution Amount remaining after the distributions, if any, described
        in clauses (iii) through (v) above shall be distributed  concurrently as
        follows:

                                    (A)   53.2710280373%   to  the   Class   A-1
                      Certificates,  until  the  Certificate  Principal  Balance
                      thereof has been reduced to zero; and

                                    (B) 46.7289719627% in the following order of
priority:

                         (1)  first,  to the Class A-6  Certificates,  until the
                    Certificate  Principal  Balance  thereof has been reduced to
                    $20,000,000;

                         (2)  second,   concurrently   as  follows,   until  the
                    Certificate   Principal   Balance   of   either   Class   of
                    Certificates has been reduced to zero:

                         (a) 95.00% to the Class A-5 Certificates; and

                         (b) 5.00% to the Class A-6 Certificates; and

                         (3) third, sequentially,  to the Class A-5 Certificates
                    and  Class  A-6   Certificates,   in  each  case  until  the
                    Certificate  Principal  Balance  thereof has been reduced to
                    zero;

                      (vii) the  balance  of the Senior  Principal  Distribution
        Amount remaining after the  distributions,  if any, described in clauses
        (iii)  through  (vi)  above  shall  be  distributed  to  the  Class  A-9
        Certificates  in an  amount  equal to its pro rata  share  (based on the
        Certificate   Principal   Balance  thereof  relative  to  the  aggregate
        Certificate  Principal Balance of the Class A-7, Class A-8 and Class A-9
        Certificates),  until the Certificate Principal Balance thereof has been
        reduced to zero;

                      (viii) the  balance of the Senior  Principal  Distribution
        Amount remaining after the  distributions,  if any, described in clauses
        (iii)  through  (vii)  above  shall  be  distributed  to the  Class  A-8
        Certificates on any Distribution Date on which the Certificate Principal
        Balance is greater than  $22,711,300,  until the  Certificate  Principal
        Balance thereof has been reduced to zero;

                                      -32-

<PAGE>

                      (ix) the  balance  of the  Senior  Principal  Distribution
        Amount remaining after the  distributions,  if any, described in clauses
        (iii)  through  (viii)  above  shall be  distributed  to the  Class  A-7
        Certificates and Class A-8 Certificates,  concurrently as follows, until
        the Certificate  Principal  Balance of either Class of Certificates  has
        been reduced to zero:

                                    (A) 95.00% to the Class A-7 Certificates;

                                    (B) 5.00% to the Class A-8 Certificates;

                      (x)  the  balance  of the  Senior  Principal  Distribution
        Amount remaining after the  distributions,  if any, described in clauses
        (iii)  through  (ix) above shall be  distributed,  sequentially,  to the
        Class A-7  Certificates and Class A-8  Certificates,  in each case until
        the Certificate Principal Balance thereof has been reduced to zero;

                      (xi) the  balance  of the  Senior  Principal  Distribution
        Amount remaining after the  distributions,  if any, described in clauses
        (iii) through (x) above shall be distributed, sequentially, to the Class
        A-2, Class A-10 and Class A-3 Certificates,  in that order, in each case
        until the  Certificate  Principal  Balance  thereof has been  reduced to
        zero; and

                      (xii) the  balance  of the Senior  Principal  Distribution
        Amount remaining after the  distributions,  if any, described in clauses
        (iii)   through  (xi)  above  shall  be   distributed   to  the  Lockout
        Certificates,  until the Certificate  Principal Balance thereof has been
        reduced to zero;

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

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

               (e) On each Distribution Date prior to the Accretion  Termination
        Date,  an amount equal to the Accrued  Certificate  Interest  that would
        otherwise be distributed on the Class A-3 Certificates shall be added to
        Certificate Principal Balance of the Class A-3 Certificates. On or after
        the Accretion Termination Date, the entire amount of Accrued Certificate
        Interest on the Class A-3 Certificates for such  Distribution Date shall
        be payable to the Class A-3

                                      -33-

<PAGE>

        Certificateholders   pursuant  to  Section  4.02(a)(i)  of  this  Series
        Supplement  to  the  extent  not  required  to  reduce  the  Certificate
        Principal  Balances of the Accretion  Directed  Certificates  to zero on
        such  Accretion   Termination  Date;  provided  that  if  the  Accretion
        Termination Date is the Credit Support Depletion Date, the entire amount
        of Accrued  Certificate  Interest on the Class A-3 Certificates for such
        Distribution Date will be paid to the Class A-3  Certificateholders,  to
        the extent of Accrued Certificate Interest on the Class A-3 Certificates
        for the related Distribution Date. Any such Accrued Certificate Interest
        on the  Class  A-3  Certificates  which  is  required  to be paid to the
        Holders of the  Accretion  Directed  Certificates  in  reduction  of the
        Certificate  Principal Balances on such Accretion  Termination Date will
        be  added  to  the  Certificate  Principal  Balance  of  the  Class  A-3
        Certificates  in the  manner  described  in the first  sentence  of this
        Section 4.02(e).

               (f) In addition to the foregoing  distributions,  with respect to
        any Mortgage Loan that was previously the subject of a Cash  Liquidation
        or an REO  Disposition  that  resulted in a Realized  Loss, in the event
        that  within  two  years  of the date on which  such  Realized  Loss was
        determined to have occurred the Master Servicer receives amounts,  which
        the  Master  Servicer  reasonably   believes  to  represent   subsequent
        recoveries (net of any related liquidation expenses), or determines that
        it  holds  surplus  amounts  previously   reserved  to  cover  estimated
        expenses, specifically related to such Mortgage Loan (including, but not
        limited to, recoveries in respect of the  representations and warranties
        made by the related Seller pursuant to the applicable Seller's Agreement
        and  assigned  to the  Trustee  pursuant  to Section  2.04),  the Master
        Servicer   shall    distribute    such   amounts   to   the   applicable
        Certificateholders  of the Class or Classes to which such  Realized Loss
        was allocated  (with the amounts to be distributed  allocated among such
        Classes in the same  proportions  as such Realized Loss was  allocated),
        and within each such Class to the Certificateholders of record as of the
        Record Date immediately  preceding the date of such  distribution (or if
        such  Class  of   Certificates   is  no  longer   outstanding,   to  the
        Certificateholders  of record at the time  that such  Realized  Loss was
        allocated);   provided  that  no  such  distribution  to  any  Class  of
        Certificates of subsequent  recoveries  related to a Mortgage Loan shall
        exceed,  either  individually  or in the aggregate and together with any
        other amounts paid in reimbursement  therefor, the amount of the related
        Realized  Loss  that  was  allocated  to  such  Class  of  Certificates.
        Notwithstanding  the foregoing,  no such distribution shall be made with
        respect to the  Certificates  of any Class to the extent that either (i)
        such Class was protected  against the related  Realized Loss pursuant to
        any instrument or fund  established  under Section 11.01(e) or (ii) such
        Class of  Certificates  has been deposited into a separate trust fund or
        other structuring vehicle and separate certificates or other instruments
        representing  interests therein have been issued in one or more classes,
        and  any  of  such  separate  certificates  or  other  instruments  were
        protected  against the  related  Realized  Loss  pursuant to any limited
        guaranty, payment obligation, irrevocable letter of credit, surety bond,
        insurance  policy  or  similar  instrument  or  a  reserve  fund,  or  a
        combination thereof. Any amount to be so distributed with respect to the
        Certificates of any Class shall be distributed by the Master Servicer to
        the  Certificateholders  of record  as of the  Record  Date  immediately
        preceding  the  date  of  such  distribution  (i)  with  respect  to the
        Certificates of any Class (other than the Class A-V Certificates),  on a
        pro rata basis  based on the  Percentage  Interest  represented  by each
        Certificate  of such Class as of such Record Date and (ii) with  respect
        to the Class A-V  Certificates,  to the  Class A-V  Certificates  or any
        Subclass thereof in the same proportion as the related Realized Loss was
        allocated. Any amounts to be so distributed shall not be

                                      -34-

<PAGE>

        remitted to or  distributed  from the Trust Fund,  and shall  constitute
        subsequent  recoveries with respect to Mortgage Loans that are no longer
        assets of the Trust Fund.

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

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

          Section 4.03  Statements to  Certificateholders.  (See Section 4.03(a)
               through  (d) of the  Standard  Terms and Exhibit  Three  attached
               hereto)

        (e) The Trustee  will make the reports  referred to in this Section 4.03
(and, at its option,  any additional files containing the same information in an
alternative format) available each month to Certificateholders and other parties
to the  Agreement  via the  Trustee's  website,  which is  presently  located at
www.abs.bankone.com.  Persons  that are  unable  to use the  above  website  are
entitled to have a paper copy mailed to them via first class mail by calling the
Trustee at (800)  524-9472.  The Trustee  shall have the right to change the way
the reports  referred to in this Section 4.03 are  distributed  in order to make
such  distribution  more convenient  and/or more accessible to the above parties
and to the  Certificateholders.  The Trustee shall  provide  timely and adequate
notification to all the parties  mentioned  above and to the  Certificateholders
regarding any such change.

          Section 4.04  Distribution  of Reports to the Trustee and the Company;
               Advances  by  the  Master  Servicer.  (See  Section  4.04  of the
               Standard Terms)

        Section 4.05  Allocation of Realized Losses.

                                      -35-

<PAGE>

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

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

                                      -36-

<PAGE>

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

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

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

        Section 4.08  [Reserved]

        Section  4.09  Distributions  on  the  Uncertificated  REMIC  I  Regular
Interests.

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

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

            (ii) In accordance  with the priority set forth in Section  4.09(b),
        an  amount  equal to the sum of the  amounts  in  respect  of  principal
        distributable  on the Class A-1  Certificates,  Class A-2  Certificates,
        Class A-2A Certificates, Class A-3 Certificates, Class A-4 Certificates,
        Class A-5 Certificates,  Class A-7 Certificates, Class A-8 Certificates,
        Class  A-9   Certificates,   Class   A-10   Certificates,   Class   A-11
        Certificates,  Class A-12 Certificates,  Class A-13 Certificates,  Class
        A-14 Certificates,  Class A-14A  Certificates,  Class A-15 Certificates,
        Class A-16 Certificates, Class A-P Certificates, Class M-1 Certificates,
        Class M-2 Certificates,  Class M-3 Certificates, Class B-1 Certificates,
        Class  B-2   Certificates,   Class  B-3   Certificates  and  Class  R-II
        Certificates  under Section  4.02(a),  as allocated  thereto pursuant to
        Section 4.02(b).

        (b)  The  amount  described  in  Section  4.09(a)(ii)  shall  be  deemed
distributed to (i) Uncertificated REMIC I Regular Interest W, (ii)Uncertificated
REMIC I Regular Interest X, (iii)  Uncertificated REMIC I Regular Interest Y and
(iv)  Uncertificated  REMIC  I  Regular  Interest  Z,  with  the  amount  to  be
distributed  allocated  among such  interests  in  accordance  with the priority
assigned to the (i) Class A-1, Class A-3, Class A-4, Class A-5, Class A-6, Class
A-7, Class A-8, Class A-9, Class A-10, Class A-11, Class A-12, Class A-13, Class
A-15, Class A-16, Class R-II, Class M-1,

                                      -37-

<PAGE>

Class M-2,  Class M-3,  Class B-1,  Class B-2 and Class B-3  Certificates,  (ii)
Class  A-1  Certificates,   (iii)  Class  A-2   Certificates,   (iv)  Class  A-4
Certificates,  (v) Class A-7 Certificates,  (vi) Class A-8  Certificates,  (vii)
Class  A-9  Certificates,  (viii)  Class  A-10  Certificates,  (ix)  Class  A-11
Certificates, (x) Class A-12 Certificates,  (xi) Class A-13 Certificates,  (xii)
Class A-14  Certificates,  (xiii)  Class  A-14A  Certificates,  (xiv) Class A-15
Certificates,  (xv) Class A-16  Certificates  and (xvi) Class A-P  Certificates,
respectively,  under Section 4.02(b) until the Uncertificated  Principal Balance
of each such interest is reduced to zero.

        (c)  The  portion  of  the  Uncertificated   REMIC  I  Regular  Interest
Distribution Amounts described in Section 4.09(a)(i) shall be deemed distributed
by REMIC I to REMIC II in accordance with the priority  assigned to the REMIC II
Certificates  relative to that assigned to the REMIC I Regular  Interests  under
Section 4.02(b).

        (d) In determining from time to time the Uncertificated  REMIC I Regular
Interest  Distribution  Amounts,  Realized Losses  allocated to the Certificates
shall be  allocated  to  Uncertificated  REMIC I Regular  Interests  in the same
amounts and priorities as allocated to the Corresponding Certificated Interests.

        (e) Notwithstanding the deemed distributions on the Uncertificated REMIC
I Regular Interests described in this Section 4.09,  distributions of funds from
the Certificate Account shall be made only in accordance with Section 4.02.

          Section 4.10  Distributions  on the  Uncertificated  Class  A-V  REMIC
               Regular Interests.

        (a) On each Distribution Date, the Trustee shall be deemed to distribute
to  itself,  as the  holder  of  the  Uncertificated  Class  A-V  REMIC  Regular
Interests, from REMIC II, Uncertificated Class A-V REMIC Accrued Interest on the
Uncertificated  Class A-V REMIC Regular  Interests for such  Distribution  Date,
plus any  Uncertificated  Class A-V REMIC  Accrued  Interest  thereon  remaining
unpaid from any previous Distribution Date.

        (b) In determining from time to time the Uncertificated  Class A-V REMIC
Regular Interest  Distribution  Amounts,  Realized Losses allocated to the Class
A-V Certificates  under Section 4.05 shall be deemed allocated to Uncertificated
Class  A-V  REMIC   Regular   Interests  on  a  pro  rata  basis  based  on  the
Uncertificated  Class A-V REMIC  Accrued  Interest for the related  Distribution
Date.

        (c) On each Distribution Date, the Trustee shall be deemed to distribute
from the Trust Fund, in the priority set forth in Sections 4.02(a), to the Class
A-V  Certificates,  the amounts  distributable  thereon from the  Uncertificated
Class  A-V  REMIC  Regular  Interest  Distribution  Amounts  deemed to have been
received by the Trustee from the Trust Fund under this Section 4.08.  The amount
deemed distributable  hereunder with respect to the Class A-V Certificates shall
equal 100% of the amounts payable with respect to the  Uncertificated  Class A-V
REMIC Regular Interests.

        (d) Notwithstanding the deemed distributions on the Uncertificated Class
A-V REMIC Regular  Interests  described in this Section 4.10,  distributions  of
funds from the Certificate Account shall be made only in accordance with Section
4.02.

                                      -38-

<PAGE>

                                      -39-

<PAGE>

                                    ARTICLE V

                                THE CERTIFICATES

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

        Section 5.02. Registration of Transfer and Exchange of Certificates.

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

               (B) Any purported  Certificate Owner whose acquisition or holding
               of any Class M Certificate (or interest  therein) was effected in
               violation  of the  restrictions  in this  Section  5.02(e)  shall
               indemnify and hold harmless the Company,  the Trustee, the Master
               Servicer,  any  Subservicer,  the Underwriters and the Trust Fund
               from  and  against  any and all  liabilities,  claims,  costs  or
               expenses incurred by such parties as a result of such acquisition
               or holding.

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

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

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

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

                                      -40-

<PAGE>

                                   ARTICLE VI

                       THE COMPANY AND THE MASTER SERVICER
                     (SEE ARTICLE VI OF THE STANDARD TERMS)

                                      -41-

<PAGE>

                                   ARTICLE VII

                                     DEFAULT
                     (SEE ARTICLE VII OF THE STANDARD TERMS)

                                      -42-

<PAGE>

                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE
                    (SEE ARTICLE VIII OF THE STANDARD TERMS)

                                      -43-

<PAGE>

                                   ARTICLE IX

                                   TERMINATION
                     (SEE ARTICLE IX OF THE STANDARD TERMS)

                                      -44-

<PAGE>

                                    ARTICLE X

                                REMIC PROVISIONS

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

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

        Section 10.03 Designation of REMIC(s).

        The REMIC Administrator will make elections to treat each of REMIC I and
REMIC II, and  subject  to this  Agreement  (including  the  Mortgage  Loans but
excluding the Initial  Monthly  Payment Fund) as a REMIC for federal  income tax
purposes.

        The Uncertificated  REMIC I Regular Interests shall be designated as the
"regular  interests" and the Class R-I  Certificates  shall be designated as the
sole class of "residual  interests" in REMIC I. The Class A-1,  Class A-2, Class
A-2A,  Class A-3,  Class A-4,  Class A-5, Class A-6, Class A-7, Class A-8, Class
A-9, Class A-10,  Class A-11,  Class A-12,  Class A-13, Class A-14, Class A-14A,
Class A-15,  Class A-16,  Class A-P, Class M-1, Class M-2, Class M-3, Class B-1,
Class B-2 and  Class B-3  Certificates  and the  rights in and to which  will be
represented by the Class A-V Certificates,  will be "regular interests" in REMIC
II,  and the  Class  R-II  Certificates  will be the  sole  class  of  "residual
interests"  therein  for  purposes  of the REMIC  Provisions  (as defined in the
Standard  Terms) under federal income tax law. On and after the date of issuance
of any  Subclass of Class A-V  Certificates  pursuant to Section  5.01(c) of the
Standard Terms,  any such Subclass will represent the  Uncertificated  Class A-V
REMIC Regular Interest or Interests specified by the initial Holder of the Class
A-V Certificates pursuant to said Section.

        Section 10.04 [Reserved].
                      -----------

        Section 10.05 Compliance with Withholding Requirements.
                      -----------------------------------------

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

                                      -45-

<PAGE>

                                   ARTICLE XI

                            MISCELLANEOUS PROVISIONS

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

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

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

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

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

           Recipient                                        Address
                                 8400 Normandale Lake Boulevard
                                 Suite 250, Minneapolis, Minnesota  55437,
Company                          Attention:  President
                                 2255 N. Ontario Street, Suite 400
                                 Burbank, California 91504-2130,
Master Servicer                  Attention:  Managing Director/Master Servicing
                                 Corporate Trust Office
                                 The Trustee  designates its offices  located at
                                 55 Water Street,  1st Floor New York,  New York
                                 10041, for the purposes of Section 8.12
Trustee                          of the Standard Terms
                                 55 Water Street
Standard & Poor's                New York, New York 10041
                                 99 Church Street
Moody's                          New York, New York 10007

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.

                                      -46-

<PAGE>

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

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

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

        Section 11.09 Allocation of Voting Rights.

        96.0%  of  all  Voting  Rights  shall  be  allocated  among  Holders  of
Certificates,   other  than  the  Interest   Only   Certificates   and  Residual
Certificates, in proportion to the outstanding Certificate Principal Balances of
their  respective  Certificates,  1.0% of all Voting  Rights  shall be allocated
among the  Holders of the Class  A-2A  Certificates,  1.0% of all Voting  Rights
shall be allocated  among the Holders of the Class A-14A  Certificates,  1.0% of
all Voting  Rights  shall be allocated  among the Holders of the Variable  Strip
Certificates;  and 0.5% and 0.5% of all Voting  Rights shall be allocated  among
the  Holders  of  the  Class  R-I  Certificates  and  Class  R-II  Certificates,
respectively, in accordance with their respective Percentage Interests.

                                      -47-

<PAGE>

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

[Seal]                                          RESIDENTIAL FUNDING MORTGAGE
                                                        SECURITIES I, INC.

Attest:                                         By:
        ---------------------------------------
        Name:  Julie Steinhagen                         Name:  Randy Van Zee
        Title:   Vice President                         Title:    Vice President

[Seal]
                                                RESIDENTIAL FUNDING CORPORATION

Attest:                                         By:
       ----------------------------------------
        Name:  Randy Van Zee                            Name: Julie Steinhagen
        Title:   Director                               Title:    Director

[Seal]                                          BANK ONE, NATIONAL ASSOCIATION
                                                                  as Trustee

Attest:
        ---------------------------------------
        Name:                                   By:
                                                   ---------------------------
        Title:                                   Name:   Keith R. Richardson
                                                 Title:     Vice President

                                       -1-

<PAGE>

STATE OF MINNESOTA              )
                                ) ss.:
COUNTY OF HENNEPIN              )

               On the 30th day of January,  2002  before me, a notary  public in
and for said State,  personally appeared Randy Van Zee, known to me to be a Vice
President  of  Residential  Funding  Mortgage  Securities  I,  Inc.,  one of the
corporations that executed the within instrument, and also known to me to be the
person who executed it on behalf of said  corporation,  and  acknowledged  to me
that such corporation executed the within instrument.

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

                                                    Notary Public

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

[Notarial Seal]

                                       -2-

<PAGE>

STATE OF MINNESOTA              )
                                ) ss.:
COUNTY OF HENNEPIN              )

               On the 30th day of January,  2002  before me, a notary  public in
and for said State,  personally  appeared Julie Steinhagen,  known to me to be a
Director  of  Residential  Funding  Corporation,  one of the  corporations  that
executed  the  within  instrument,  and also  known to me to be the  person  who
executed  it on behalf of said  corporation,  and  acknowledged  to me that such
corporation executed the within instrument.

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

                                                    Notary Public

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

[Notarial Seal]

                                       -3-

<PAGE>

STATE OF ILLINOIS               )
                                ) ss.:
COUNTY OF COOK                  )

               On the 30th day of January,  2002  before me, a notary  public in
and for said State, personally appeared Keith R. Richardson, known to me to be a
Vice President of Bank One, National Association, a national banking association
that executed the within  instrument,  and also known to me to be the person who
executed it on behalf of said banking  corporation  and  acknowledged to me that
such banking corporation executed the within instrument.

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

                                                    Notary Public

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

[Notarial Seal]

                                       -4-

<PAGE>

                                   EXHIBIT ONE
                             MORTGAGE LOAN SCHEDULE
                            (Available Upon Request)

  RUN ON     : 01/23/02           RFC DISCLOSURE SYSTEM       RFFSDFIX-01
  AT         : 14.09.21           FIXED PASSTHRU REPORT       AMORTIZED BALANCE
  SERIES     : RFMSI 2001-S1                                  CUTOFF : 01/01/02
  POOL       : 0004563
             :
             :
  POOL STATUS: F

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

      4552586                              .2500
      326,363.59                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      4889086                              .2500
      995,363.71                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      4954294                              .2500
      796,104.07                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      5013864                              .2500
      364,211.09                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5025071                              .2500
      122,064.55                          .0300
            6.5000                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      5050232                              .2500
      397,775.71                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700
1

      5075871                              .3750
      437,492.61                          .0800
            7.1250                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      5220568                              .2500
      645,705.81                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      5237850                              .2500
      117,507.93                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5266697                              .2500
      292,206.03                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5337720                              .2500
      362,693.21                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      5399977                              .2500
      129,000.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      5419096                              .2500
      356,346.24                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      5421150                              .5000
      382,483.99                          .0800
            7.2500                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200
1

      5421151                              .5000
      357,417.99                          .0800
            7.3750                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      5469752                              .2500
      359,087.44                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5476479                              .2500
      106,588.02                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      5482629                              .2500
      367,475.02                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      5517576                              .2500
      298,651.74                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5560505                              .2500
      337,467.75                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5561810                              .2500
      348,485.13                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      5571476                              .2500
      329,483.56                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700
1

      5579761                              .2500
      318,007.98                          .0300
            6.3750                         .0000
            6.1250                         .0000
            6.0950                         .0000
            6.0950                         .0000

      5583354                              .2500
      345,458.55                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5596110                              .2500
      399,687.96                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5599520                              .2500
      291,543.04                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5604525                              .2500
      319,188.85                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5605730                              .2500
      347,160.14                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      5615049                              .2500
      318,329.63                          .0300
            6.5000                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      5615160                              .2500
      514,917.75                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450
1

      5637154                              .2500
      445,894.34                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      5640475                              .2500
      347,427.82                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      5644623                              .2500
      359,704.91                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      5653844                              .2500
      603,047.45                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      5656238                              .2500
      442,601.66                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5662479                              .2500
      646,385.55                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5670961                              .2500
      301,346.62                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5678411                              .2500
      342,138.51                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200
1

      5702043                              .2500
      426,750.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5704954                              .2500
      114,735.85                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      5721818                              .2500
      339,728.10                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      5724229                              .2500
      546,242.48                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      5731273                              .2500
      728,281.24                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5748300                              .2500
      598,912.24                          .0300
            6.5000                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      5797280                              .2500
      521,539.45                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      5798750                              .2500
      273,640.01                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000
1

      5800460                              .2500
      347,912.76                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5803642                              .2500
      369,376.52                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5809960                              .2500
      334,648.88                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      5829502                              .2500
      367,424.11                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5837606                              .2500
      107,815.83                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5850584                              .2500
      575,098.61                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5850756                              .2500
      350,168.48                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      5854952                              .2500
      675,325.47                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200
1

      5860512                              .2500
       94,843.80                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      5894946                              .2500
      479,606.55                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      5895046                              .2500
      399,309.28                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      5896110                              .2500
      338,742.12                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      5896350                              .2500
      293,307.78                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      5899292                              .2500
      998,115.31                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      5902532                              .2500
      369,376.52                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5915550                              .2500
      399,655.60                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700
1

      5918310                              .2500
      399,630.16                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      5924964                              .2500
      358,448.61                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5927638                              .2500
      372,355.89                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      5935468                              .2500
      334,562.47                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      5940706                              .2500
      639,428.24                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      5941172                              .2500
      317,233.26                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5943278                              .2500
      364,685.75                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      5943452                              .2500
      387,346.19                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950
1

      5944432                              .2500
      411,653.87                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5947802                              .2500
      286,670.57                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      5951040                              .2500
      646,956.03                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5963358                              .2500
      367,414.44                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      5963614                              .2500
      391,453.02                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      5968848                              .2500
      324,478.65                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      5974816                              .2500
       91,926.43                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      5982990                              .2500
      479,596.74                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950
1

      5988864                              .2500
      366,366.26                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      5989708                              .2500
      332,838.18                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5992124                              .2500
      983,318.59                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      5994996                              .2500
      559,056.37                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5995380                              .2500
      345,302.44                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      5997320                              .2500
      325,726.12                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      5997368                              .2500
      320,472.23                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      6003116                              .2500
      418,472.48                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950
1

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            6.2200                         .0000
            6.2200                         .0000

      7171800                              .5000
      408,000.00                          .0800
            7.0000                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700
1

      7171802                              .5000
      412,000.00                          .0800
            7.0000                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      7171806                              .5000
      595,000.00                          .0300
            6.7500                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7171808                              .5000
      411,653.87                          .0800
            6.8750                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      7171810                              .5000
      341,000.00                          .0800
            6.8750                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      7171814                              .5000
      370,000.00                          .0800
            6.8750                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      7171816                              .3750
      386,000.00                          .0300
            6.6250                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7171818                              .5000
      473,000.00                          .0300
            6.7500                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7171822                              .5000
      576,000.00                          .0800
            6.8750                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450
1

      7171824                              .5000
      360,000.00                          .0300
            6.7500                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7171826                              .3750
      419,000.00                          .0300
            6.6250                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7171828                              .3750
      392,000.00                          .0300
            6.6250                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7178570                              .2500
      400,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      7178602                              .2500
      322,100.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      7178622                              .2500
      500,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      7178624                              .2500
      315,000.00                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      7178630                              .2500
      514,900.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200
1

      7180046                              .2500
      351,397.19                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      7180050                              .2500
      309,733.09                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      7180052                              .2500
      508,695.54                          .0300
            6.5000                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7180054                              .2500
      404,659.74                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      7180060                              .2500
      354,797.36                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      7180062                              .2500
      389,688.12                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      7180064                              .2500
      469,595.33                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      7180066                              .2500
      456,125.81                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200
1

      7180068                              .2500
      449,593.19                          .0300
            6.5000                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7180070                              .2500
      594,362.20                          .0300
            6.5000                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7180086                              .2500
      399,647.08                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      7180090                              .2500
      403,144.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      7180092                              .2500
      424,434.08                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      7180094                              .2500
      426,623.27                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      7180096                              .2500
      369,689.15                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      7180100                              .2500
      386,158.55                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450
1

      7180104                              .2500
      599,457.59                          .0300
            6.5000                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7180110                              .2500
      471,633.52                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      7180114                              .2500
      524,569.66                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      7180120                              .2500
      375,000.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      7180122                              .2500
      424,651.63                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      7180128                              .2500
      356,000.00                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      7180144                              .2500
      339,207.69                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      7180146                              .2500
      499,558.86                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450
1

      7180156                              .2500
      319,717.66                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      7180170                              .2500
      309,739.56                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      7180176                              .2500
      519,529.91                          .0300
            6.5000                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7180178                              .2500
      346,569.21                          .0300
            6.3750                         .0000
            6.1250                         .0000
            6.0950                         .0000
            6.0950                         .0000

      7180182                              .2500
      899,186.38                          .0300
            6.5000                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7180184                              .2500
      409,629.35                          .0300
            6.5000                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7180190                              .2500
      548,515.63                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      7202018                              .2500
      376,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950
1

      7209844                              .2500
      447,574.91                          .0300
            6.2500                         .0000
            6.0000                         .0000
            5.9700                         .0000
            5.9700                         .0000

      7215100                              .2500
      480,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      7222542                              .2500
      489,300.00                          .0800
            7.0000                         .0000
            6.7500                         .0000
            6.6700                         .0000
            6.2500                         .4200

      7223300                              .2500
      349,720.12                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

      7223798                              .2500
      437,613.55                          .0800
            6.6250                         .0000
            6.3750                         .0000
            6.2950                         .0000
            6.2500                         .0450

      7224762                              .2500
      399,663.95                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      7232294                              .2500
      340,491.91                          .0300
            6.5000                         .0000
            6.2500                         .0000
            6.2200                         .0000
            6.2200                         .0000

      7233838                              .2500
      399,655.60                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700
1

      7236854                              .2500
      389,664.21                          .0800
            6.7500                         .0000
            6.5000                         .0000
            6.4200                         .0000
            6.2500                         .1700

      7246218                              .2500
      274,790.74                          .0800
            7.3750                         .0000
            7.1250                         .0000
            7.0450                         .0000
            6.2500                         .7950

      7248024                              .2500
      300,000.00                          .0800
            6.8750                         .0000
            6.6250                         .0000
            6.5450                         .0000
            6.2500                         .2950

      7254272                              .2500
      564,115.82                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      7255290                              .2500
      347,403.20                          .0800
            7.2500                         .0000
            7.0000                         .0000
            6.9200                         .0000
            6.2500                         .6700

      7258394                              .2500
      325,477.07                          .0800
            7.1250                         .0000
            6.8750                         .0000
            6.7950                         .0000
            6.2500                         .5450

  TOTAL NUMBER OF LOANS:     2228
  TOTAL BALANCE........:        927,114,658.02

  RUN ON     : 01/23/02            RFC DISCLOSURE SYSTEM      RFFSDFIX-01
  AT         : 14.09.21            INITIAL SECURITY FEES      AMORTIZED BALANCE
  SERIES     : RFMSI 2001-S1        FIXED SUMMARY REPORT      CUTOFF : 01/01/02
  POOL       : 0004563
             :
             :
  POOL STATUS: F

                                   WEIGHTED AVERAGES      FROM         TO
  -----------------------------------------------------------------------------
  CURR NOTE RATE                        6.8136            6.0000      7.3750
  RFC NET RATE                          6.5369            5.7500      7.1250
  NET MTG RATE(INVSTR RATE)             6.4641            5.7200      7.0450
  POST STRIP RATE                       6.2407            5.7200      6.2500
  SUB SERV FEE                           .2767             .2500       .5000
  MSTR SERV FEE                          .0728             .0300        .0800
  ALL EXP                                .0000             .0000       .0000
  MISC EXP                               .0000             .0000       .0000
  SPREAD                                 .0000             .0000       .0000
  STRIP                                  .2234             .0000       .7950

  TOTAL NUMBER OF LOANS:  2228
  TOTAL BALANCE........:     927,114,658.02

                             ***************************
                             *      END OF REPORT      *
                             ***************************
  RUN ON     : 01/23/02           RFC DISCLOSURE SYSTEM       RFFSD177-01
  AT         : 14.09.21          FIXED RATE LOAN LISTING      AMORTIZED BALANCE
  SERIES     : RFMSI 2001-S1                                  CUTOFF : 01/01/02
  POOL       : 0004563
             :
             :
  POOL STATUS: F

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

    4552586          964/G01             F          330,000.00         ZZ
                                         360        326,363.59          1
                                       7.375          2,279.23         58
                                       7.125          2,279.23
    SAN JOSE         CA   95132          5            04/05/01         00
    0432900496                           05           06/01/01          0
    109738                               O            05/01/31
    0

    4889086          A06/G01             F        1,000,000.00         ZZ
                                         360        995,363.71          1
                                       7.375          6,906.76         53
                                       7.125          6,906.76
    BLOOMFIELD HILL  MI   48304          2            06/22/01         00
    0432924165                           05           08/01/01          0
    021000020022564                      O            07/01/31
    0

    4954294          676/G01             F          800,000.00         ZZ
                                         360        796,104.07          1
                                       7.125          5,389.75         45
                                       6.875          5,389.75
    HONOLULU         HI   96816          5            06/15/01         00
    0433524105                           05           08/01/01          0
    6001099440                           O            07/01/31
    0

    5013864          286/286             F          365,950.00         ZZ
                                         360        364,211.09          1
                                       7.250          2,496.42         74
                                       7.000          2,496.42
    SOUTHLAKE        TX   76092          2            06/01/01         00
    379777                               03           08/01/01          0
1

    379777                               O            07/01/31
    0

    5025071          E21/G01             F          122,175.00         ZZ
                                         360        122,064.55          1
                                       6.500            772.23         67
                                       6.250            772.23
    ROMEOVILLE       IL   60446          1            11/29/01         00
    0433491834                           05           01/01/02          0
    1007385                              O            12/01/31
    0

    5050232          550/550             F          400,000.00         ZZ
                                         360        397,775.71          1
                                       7.250          2,728.71         71
                                       7.000          2,728.71
    SAN FRANCISCO    CA   94116          5            05/14/01         00
    120528265                            05           07/01/01          0
    120528265                            O            06/01/31
    0

    5075871          405/405             F          440,000.00         ZZ
                                         360        437,492.61          1
                                       7.125          2,964.37         80
                                       6.750          2,964.37
    HOUSTON          TX   77005          1            05/02/01         00
    0012201844                           05           07/01/01          0
    0012201844                           O            06/01/31
    0

    5220568          225/G01             F          650,000.00         ZZ
                                         360        645,705.81          1
                                       6.625          4,162.02         79
                                       6.375          4,162.02
    LINCOLNVILLE     ME   04849          1            05/09/01         00
    0433030566                           05           07/01/01          0
    6532399                              O            06/01/31
    0

    5237850          E22/G01             F          118,500.00         ZZ
                                         360        117,507.93          1
                                       6.875            778.46         62
                                       6.625            778.46
    STERLING         VA   20166          2            07/26/01         00
    0412780199                           09           09/01/01          0
    0412780199                           O            08/01/31
    0

1

    5266697          E47/G01             F          293,840.00         ZZ
                                         360        292,206.03          1
                                       7.250          2,004.51         80
                                       7.000          2,004.51
    LOS ANGELES      CA   90027          1            05/23/01         00
    0433482726                           05           07/01/01          0
    7331013055                           O            06/01/31
    0

    5337720          714/G01             F          365,568.97         ZZ
                                         286        362,693.21          1
                                       7.375          2,717.93         68
                                       7.125          2,717.93
    CEDARBURG        WI   53012          4            06/11/01         00
    0433479631                           05           08/01/01          0
    99999999999                          O            05/01/25
    0

    5399977          562/G01             F          129,000.00         ZZ
                                         360        129,000.00          2
                                       7.000            858.25         70
                                       6.750            858.25
    AMITYVILLE       NY   11701          2            12/17/01         00
    0433548583                           05           02/01/02          0
    297031974                            O            01/01/32
    0

    5419096          975/G01             F          357,500.00         ZZ
                                         360        356,346.24          1
                                       7.125          2,408.54         65
                                       6.875          2,408.54
    SAN DIEGO        CA   92130          1            08/24/01         00
    0433181286                           01           10/01/01          0
    2013854                              O            09/01/31
    0

    5421150          405/405             F          384,000.00         ZZ
                                         360        382,483.99          1
                                       7.250          2,619.56         80
                                       6.750          2,619.56
    MOUNTAIN VIEW    CA   94043          1            07/12/01         00
    0017593880                           01           09/01/01          0
    0017593880                           O            08/01/31
    0

    5421151          405/405             F          358,800.00         ZZ
                                         360        357,417.99          1
                                       7.375          2,478.15         80
                                       6.875          2,478.15
1

    LA CANADA FLINT  CA   91011          1            07/23/01         00
    0017595547                           05           09/01/01          0
    0017595547                           O            08/01/31
    0

    5469752          356/G01             F          360,000.00         ZZ
                                         360        359,087.44          1
                                       6.875          2,364.95         80
                                       6.625          2,364.95
    OAKDALE          CA   95361          1            08/27/01         00
    0433542321                           05           11/01/01          0
    2855161                              O            10/01/31
    0

    5476479          J37/286             F          107,650.00         ZZ
                                         360        106,588.02          1
                                       7.125            725.26         60
                                       6.875            725.26
    TACOMA           WA   98406          5            04/24/01         00
    0005391101                           05           06/01/01          0
    0005391101                           O            05/01/31
    0

    5482629          M27/G01             F          368,500.00         ZZ
                                         360        367,475.02          1
                                       7.000          2,451.64         80
                                       6.750          2,451.64
    DAVIDSON         NC   28036          2            09/20/01         00
    0433333267                           03           11/01/01          0
    600678676                            O            10/01/31
    0

    5517576          994/X14             F          300,000.00         ZZ
                                         360        298,651.74          1
                                       7.250          2,046.53         47
                                       7.000          2,046.53
    SEATTLE          WA   98108          5            08/07/01         00
    818605669                            05           10/01/01          0
    818605669                            O            09/01/31
    0

    5560505          227/G01             F          338,651.00         ZZ
                                         360        337,467.75          1
                                       7.250          2,310.20         80
                                       7.000          2,310.20
    CYPRESS          TX   77252          1            08/23/01         00
    0433516309                           03           10/01/01          0
    1920850                              O            09/01/31
    0
1

    5561810          369/G01             F          349,500.00         ZZ
                                         360        348,485.13          1
                                       7.000          2,325.23         49
                                       6.750          2,325.23
    CRANSTON         RI   02905          5            09/25/01         00
    0433303575                           05           11/01/01          0
    17859951                             O            10/01/31
    0

    5571476          356/G01             F          330,000.00         ZZ
                                         360        329,483.56          1
                                       7.250          2,251.19         72
                                       7.000          2,251.19
    FREMONT          CA   94538          5            10/23/01         00
    0433385796                           09           12/01/01          0
    2896231                              O            11/01/31
    0

    5579761          R88/G01             F          319,200.00         ZZ
                                         360        318,007.98          1
                                       6.375          1,991.39         80
                                       6.125          1,991.39
    CAMBRIDGE        MA   02139          1            08/10/01         00
    0433186921                           01           10/01/01          0
    1201601                              O            09/01/31
    0

    5583354          M27/G01             F          346,000.00         ZZ
                                         360        345,458.55          1
                                       7.250          2,360.33         46
                                       7.000          2,360.33
    MOORESVILLE      NC   28117          2            10/02/01         00
    0433348919                           03           12/01/01          0
    600684638                            O            11/01/31
    0

    5596110          356/G01             F          400,000.00         ZZ
                                         360        399,687.96          1
                                       7.250          2,728.71         58
                                       7.000          2,728.71
    FREMONT          CA   94536          5            11/21/01         00
    0433495538                           05           01/01/02          0
    2905875                              O            12/01/31
    0

    5599520          356/G01             F          292,000.00         ZZ
                                         360        291,543.04          1
1

                                       7.250          1,991.96         55
                                       7.000          1,991.96
    FREMONT          CA   94539          2            09/28/01         00
    0433501350                           05           12/01/01          0
    28851376                             O            11/01/31
    0

    5604525          M27/G01             F          320,000.00         ZZ
                                         360        319,188.85          1
                                       6.875          2,102.17         59
                                       6.625          2,102.17
    CHAPEL HILL      NC   27514          2            09/21/01         00
    0433319290                           05           11/01/01          0
    600682900                            O            10/01/31
    0

    5605730          757/G01             F          348,000.00         ZZ
                                         360        347,160.14          1
                                       7.125          2,344.55         80
                                       6.875          2,344.55
    NEEDHAM          MA   02492          1            09/26/01         00
    0433462934                           05           11/01/01          0
    2GARVEYJAME                          O            10/01/31
    0

    5615049          E22/G01             F          319,200.00         ZZ
                                         360        318,329.63          1
                                       6.500          2,017.56         80
                                       6.250          2,017.56
    FEDERAL WAY      WA   98003          1            09/17/01         00
    0413033911                           05           11/01/01          0
    0413033911                           O            10/01/31
    0

    5615160          025/025             F          517,500.00         ZZ
                                         360        514,917.75          1
                                       7.125          3,486.50         75
                                       6.875          3,486.50
    VIRGINIA BEACH   VA   23454          4            06/28/01         00
    0130250962                           03           08/01/01          0
    0130250962                           O            07/01/31
    0

    5637154          356/G01             F          447,000.00         ZZ
                                         360        445,894.34          1
                                       7.000          2,973.91         80
                                       6.750          2,973.91
    MONTEREY         CA   93940          1            09/26/01         00
    0433544053                           05           12/01/01          0
1

    2896637                              O            11/01/31
    0

    5640475          757/G01             F          348,000.00         ZZ
                                         360        347,427.82          1
                                       7.000          2,315.26         80
                                       6.750          2,315.26
    CUMBERLAND       ME   04021          2            10/02/01         00
    0433424363                           05           12/01/01          0
    2POWERSJOSE                          O            11/01/31
    0

    5644623          313/G01             F          360,000.00         ZZ
                                         360        359,704.91          1
                                       7.000          2,395.09         80
                                       6.750          2,395.09
    SHREWSBURY       MA   01545          1            11/15/01         00
    0433483328                           05           01/01/02          0
    8362451                              O            12/01/31
    0

    5653844          E84/G01             F          605,000.00         ZZ
                                         360        603,047.45          1
                                       7.125          4,076.00         80
                                       6.875          4,076.00
    MILWAUKIE        OR   97222          1            08/20/01         00
    0433455417                           05           10/01/01          0
    60107946                             O            09/01/31
    0

    5656238          E84/G01             F          444,000.00         ZZ
                                         360        442,601.66          1
                                       7.250          3,028.86         74
                                       7.000          3,028.86
    OAKLAND          CA   94611          2            08/14/01         00
    0433202355                           05           10/01/01          0
    33210047                             O            09/01/31
    0

    5662479          E84/G01             F          650,000.00         ZZ
                                         360        646,385.55          3
                                       7.250          4,434.15         62
                                       7.000          4,434.15
    CHICAGO          IL   60614          2            05/08/01         00
    0433192812                           05           07/01/01          0
    11006876                             O            06/01/31
    0

1

    5670961          P09/G01             F          301,600.00         T
                                         360        301,346.62          1
                                       6.875          1,981.30         80
                                       6.625          1,981.30
    WASHINGTON       DC   20016          1            11/20/01         00
    0433429073                           05           01/01/02          0
    R0109191                             O            12/01/31
    0

    5678411          W86/W86             F          344,000.00         ZZ
                                         360        342,138.51          1
                                       7.000          2,288.64         47
                                       6.750          2,288.64
    JACKSON          WY   83001          5            07/12/01         00
    240008                               03           09/01/01          0
    240008                               O            08/01/31
    0

    5702043          U80/U80             F          426,750.00         ZZ
                                         359        426,750.00          1
                                       6.875          2,803.44         80
                                       6.625          2,803.44
    ANDERSON         SC   29621          2            12/17/01         00
    10000071                             05           02/01/02          0
    10000071                             O            12/01/31
    0

    5704954          926/926             F          115,000.00         ZZ
                                         360        114,735.85          1
                                       7.375            794.28         46
                                       7.125            794.28
    HILTON HEAD ISL  SC   29928          2            09/07/01         00
    163024569                            03           11/01/01          0
    163024569                            O            10/01/31
    0

    5721818          356/G01             F          340,000.00         ZZ
                                         360        339,728.10          1
                                       7.125          2,290.65         80
                                       6.875          2,290.65
    FREMONT          CA   94536          2            11/01/01         00
    0433438488                           05           01/01/02          0
    28852036                             O            12/01/31
    0

    5724229          696/G01             F          547,500.00         ZZ
                                         360        546,242.48          1
                                       7.375          3,781.45         75
                                       7.125          3,781.45
1

    BETHESDA         MD   20816          5            09/24/01         00
    0433227717                           05           11/01/01          0
    30101200                             O            10/01/31
    0

    5731273          926/926             F          730,000.00         ZZ
                                         360        728,281.24          1
                                       7.250          4,979.89         70
                                       7.000          4,979.89
    ISLE OF PALMS    SC   29451          2            09/07/01         00
    163024510                            03           11/01/01          0
    163024510                            O            10/01/31
    0

    5748300          W08/G01             F          600,000.00         ZZ
                                         360        598,912.24          1
                                       6.500          3,792.41         60
                                       6.250          3,792.41
    MIAMI            FL   33143          5            10/05/01         00
    0433280435                           05           12/01/01          0
    011599                               O            11/01/31
    0

    5797280          B57/G01             F          522,000.00         ZZ
                                         360        521,539.45          1
                                       6.625          3,342.42         42
                                       6.375          3,342.42
    MANHATTAN BEACH  CA   90266          2            11/16/01         00
    0433449212                           05           01/01/02          0
    2117605                              O            12/01/31
    0

    5798750          A35/G01             F          274,000.00         ZZ
                                         360        273,640.01          1
                                       6.250          1,687.06         58
                                       6.000          1,687.06
    LONG BEACH       NY   11561          1            11/08/01         00
    0433392602                           05           01/01/02          0
    12665                                O            12/01/31
    0

    5800460          A06/G01             F          348,500.00         ZZ
                                         360        347,912.76          1
                                       6.875          2,289.40         69
                                       6.625          2,289.40
    PLYMOUTH         MI   48170          5            10/10/01         00
    0433291697                           05           12/01/01          0
    1                                    O            11/01/31
    0
1

    5803642          U42/G01             F          370,000.00         ZZ
                                         360        369,376.52          1
                                       6.875          2,430.64         61
                                       6.625          2,430.64
    FRISCO           TX   75034          5            10/10/01         00
    0433482940                           03           12/01/01          0
    12102754                             O            11/01/31
    0

    5809960          D11/G01             F          335,200.00         ZZ
                                         360        334,648.88          1
                                       7.000          2,230.09         80
                                       6.750          2,230.09
    SAN DIEGO        CA   92110          1            10/19/01         00
    0433472198                           05           12/01/01          0
    1082007084                           O            11/01/31
    0

    5829502          757/G01             F          368,000.00         ZZ
                                         360        367,424.11          1
                                       7.250          2,510.41         73
                                       7.000          2,510.41
    AMHERST          NH   03031          2            10/25/01         00
    0433427713                           05           12/01/01          0
    100414175                            O            11/01/31
    0

    5837606          144/144             F          107,900.00         ZZ
                                         360        107,815.83          1
                                       7.250            736.07         73
                                       7.000            736.07
    AQUEBOGUE        NY   11931          1            11/19/01         00
    01MORGANP                            05           01/01/02          0
    01MORGANP                            O            12/01/31
    0

    5850584          676/G01             F          576,000.00         ZZ
                                         360        575,098.61          1
                                       7.250          3,929.34         70
                                       7.000          3,929.34
    HONOLULU         HI   96813          2            10/15/01         00
    0433528445                           05           12/01/01          0
    6001515540                           O            11/01/31
    0

    5850756          L60/F27             F          353,450.00         ZZ
                                         360        350,168.48          1
1

                                       7.000          2,351.51         80
                                       6.750          2,351.51
    FAIRFAX          VA   22030          1            01/25/01         00
    6920010332                           09           03/01/01          0
    6920010332                           O            02/01/31
    0

    5854952          M27/G01             F          677,000.00         ZZ
                                         360        675,325.47          1
                                       7.000          4,504.10         54
                                       6.750          4,504.10
    HILLSBOROUGH     NC   27278          5            09/28/01         00
    0433525649                           05           11/01/01          0
    600683725                            O            10/01/31
    0

    5860512          E22/G01             F           95,000.00         ZZ
                                         360         94,843.80          1
                                       7.000            632.04         34
                                       6.750            632.04
    SEATTLE          WA   98144          5            09/27/01         00
    0413073552                           05           12/01/01          0
    0413073552                           O            11/01/31
    0

    5894946          369/G01             F          480,000.00         ZZ
                                         360        479,606.55          1
                                       7.000          3,193.45         80
                                       6.750          3,193.45
    CHANDLER         AZ   85224          2            11/09/01         00
    0433418167                           03           01/01/02          0
    0073461816                           O            12/01/31
    0

    5895046          M27/G01             F          400,000.00         ZZ
                                         360        399,309.28          1
                                       6.750          2,594.39         47
                                       6.500          2,594.39
    CHARLOTTE        NC   28277          5            10/23/01         00
    0433332111                           09           12/01/01          0
    600690810                            O            11/01/31
    0

    5896110          313/G01             F          339,300.00         ZZ
                                         360        338,742.12          1
                                       7.000          2,257.38         90
                                       6.750          2,257.38
    MIRAMAR          FL   33027          1            10/30/01         12
    0433516721                           09           12/01/01         25
1

    8365280                              O            11/01/31
    0

    5896350          356/G01             F          294,000.00         ZZ
                                         360        293,307.78          1
                                       7.250          2,005.60         80
                                       7.000          2,005.60
    SAN LEANDRO      CA   94577          1            10/16/01         00
    0433542461                           05           12/01/01          0
    2882504                              O            11/01/31
    0

    5899292          Q44/G01             F          999,000.00         ZZ
                                         360        998,115.31          1
                                       6.625          6,396.71         63
                                       6.375          6,396.71
    BLOOMFIELD HILL  MI   48301          2            11/14/01         00
    0433401494                           29           01/01/02          0
    VOGLER                               O            12/01/31
    0

    5902532          M27/G01             F          370,000.00         ZZ
                                         360        369,376.52          1
                                       6.875          2,430.64         25
                                       6.625          2,430.64
    CARY             NC   27511          2            10/19/01         00
    0433396363                           03           12/01/01          0
    600690578                            O            11/01/31
    0

    5915550          313/G01             F          400,000.00         ZZ
                                         360        399,655.60          1
                                       6.750          2,594.40         53
                                       6.500          2,594.40
    WINSTON SALEM    NC   27104          1            11/06/01         00
    0433453131                           05           01/01/02          0
    8434011                              O            12/01/31
    0

    5918310          964/G01             F          399,950.00         ZZ
                                         360        399,630.16          1
                                       7.125          2,694.54         62
                                       6.875          2,694.54
    NOVATO           CA   94947          5            11/21/01         00
    0433492535                           05           01/01/02          0
    400160340                            O            12/01/31
    0

1

    5924964          964/G01             F          358,750.00         ZZ
                                         360        358,448.61          1
                                       6.875          2,356.73         59
                                       6.625          2,356.73
    BROOMFIELD       CO   80020          2            11/08/01         00
    0433416187                           03           01/01/02          0
    155068                               O            12/01/31
    0

    5927638          313/G01             F          373,000.00         ZZ
                                         360        372,355.89          1
                                       6.750          2,419.28         79
                                       6.500          2,419.28
    BARRINGTON       IL   60010          1            11/02/01         00
    0433455037                           05           12/01/01          0
    8398992                              O            11/01/31
    0

    5935468          E82/G01             F          335,100.00         ZZ
                                         360        334,562.47          1
                                       7.125          2,257.63         80
                                       6.875          2,257.63
    ENGLEWOOD        CO   80112          2            10/11/01         00
    0400509238                           03           12/01/01          0
    4186696                              O            11/01/31
    0

    5940706          M29/G01             F          640,562.00         ZZ
                                         360        639,428.24          1
                                       6.625          4,101.59         41
                                       6.375          4,101.59
    DENVER           CO   80220          2            11/01/01         00
    0433405636                           05           12/01/01          0
    0110143DB                            O            11/01/31
    0

    5941172          757/G01             F          317,500.00         ZZ
                                         360        317,233.26          1
                                       6.875          2,085.75         80
                                       6.625          2,085.75
    DERWOOD          MD   20832          2            11/01/01         00
    0433478088                           05           01/01/02          0
    1000454338                           O            12/01/31
    0

    5943278          R65/G01             F          365,000.00         ZZ
                                         360        364,685.75          1
                                       6.750          2,367.38         62
                                       6.500          2,367.38
1

    MC LEAN          VA   22101          5            11/29/01         00
    0433437100                           05           01/01/02          0
    20015878                             O            12/01/31
    0

    5943452          757/G01             F          388,000.00         ZZ
                                         360        387,346.19          1
                                       6.875          2,548.89         80
                                       6.625          2,548.89
    TAKOMA PARK      MD   20912          2            10/29/01         00
    0433532835                           05           12/01/01          0
    1000454361                           O            11/01/31
    0

    5944432          N47/G01             F          412,000.00         ZZ
                                         360        411,653.87          1
                                       6.875          2,706.55         80
                                       6.625          2,706.55
    OAKLAND          CA   94618          1            11/01/01         00
    0433486594                           05           01/01/02          0
    20211606                             O            12/01/31
    0

    5947802          356/G01             F          286,900.00         ZZ
                                         360        286,670.57          1
                                       7.125          1,932.90         95
                                       6.875          1,932.90
    HAYWARD          CA   94545          1            11/09/01         19
    0433509130                           05           01/01/02         30
    2902484                              O            12/01/31
    0

    5951040          R65/G01             F          647,500.00         ZZ
                                         360        646,956.03          1
                                       6.875          4,253.61         70
                                       6.625          4,253.61
    BURR RIDGE       IL   60521          2            11/16/01         00
    0433437159                           05           01/01/02          0
    EXCELL                               O            12/01/31
    0

    5963358          369/G01             F          368,050.00         ZZ
                                         360        367,414.44          1
                                       6.750          2,387.17         58
                                       6.500          2,387.17
    EDINA            MN   55439          2            10/23/01         00
    0433385929                           05           12/01/01          0
    0073476426                           O            11/01/31
    0
1

    5963614          758/G01             F          392,400.00         ZZ
                                         360        391,453.02          1
                                       7.125          2,643.67         80
                                       6.875          2,643.67
    KELLER           TX   76248          2            09/24/01         00
    0433434941                           03           11/01/01          0
    420142                               O            10/01/31
    0

    5968848          E23/G01             F          325,000.00         ZZ
                                         360        324,478.65          1
                                       7.125          2,189.59         80
                                       6.875          2,189.59
    VALLEY CENTER    CA   92082          5            10/25/01         00
    0433462652                           05           12/01/01          0
    11006599                             O            11/01/31
    0

    5974816          X31/G01             F           92,000.00         ZZ
                                         360         91,926.43          1
                                       7.125            619.82         80
                                       6.875            619.82
    SAN BERNARDINO   CA   92404          1            11/02/01         00
    0433385317                           05           01/01/02          0
    16000057                             O            12/01/31
    0

    5982990          964/G01             F          480,000.00         ZZ
                                         360        479,596.74          1
                                       6.875          3,153.26         80
                                       6.625          3,153.26
    SONOMA           CA   95476          2            11/01/01         00
    0433347788                           03           01/01/02          0
    151103                               O            12/01/31
    0

    5988864          Q97/G01             F          367,000.00         ZZ
                                         360        366,366.26          1
                                       6.750          2,380.36         75
                                       6.500          2,380.36
    AVON             CT   06001          5            10/24/01         00
    0433405081                           05           12/01/01          0
    16100328                             O            11/01/31
    0

    5989708          757/G01             F          333,400.00         ZZ
                                         360        332,838.18          1
1

                                       6.875          2,190.21         55
                                       6.625          2,190.21
    GLEN ELLYN       IL   60137          2            10/23/01         00
    0433474665                           05           12/01/01          0
    1000431500                           O            11/01/31
    0

    5992124          W53/G01             F          984,938.00         ZZ
                                         360        983,318.59          1
                                       7.000          6,552.82         65
                                       6.750          6,552.82
    HOUSTON          TX   77024          2            10/24/01         00
    0433385200                           03           12/01/01          0
    8990790200                           O            11/01/31
    0

    5994996          M27/G01             F          560,000.00         ZZ
                                         360        559,056.37          1
                                       6.875          3,678.80         79
                                       6.625          3,678.80
    CHAPEL HILL      NC   27514          2            10/12/01         00
    0433324365                           05           12/01/01          0
    600688345                            O            11/01/31
    0

    5995380          Q69/G01             F          345,600.00         ZZ
                                         360        345,302.44          1
                                       6.750          2,241.56         58
                                       6.500          2,241.56
    DALLAS           TX   75208          2            11/05/01         00
    0433398245                           05           01/01/02          0
    0110008                              O            12/01/31
    0

    5997320          S43/G01             F          326,000.00         ZZ
                                         360        325,726.12          1
                                       6.875          2,141.59         51
                                       6.625          2,141.59
    SANTE FE         NM   87506          2            10/31/01         00
    0433377264                           05           01/01/02          0
    011375                               O            12/01/31
    0

    5997368          369/G01             F          321,000.00         ZZ
                                         360        320,472.23          1
                                       7.000          2,135.62         74
                                       6.750          2,135.62
    SCOTTSDALE       AZ   85255          2            10/23/01         00
    0433483039                           03           12/01/01          0
1

    1                                    O            11/01/31
    0

    6003116          U62/G01             F          420,000.00         ZZ
                                         360        418,472.48          1
                                       6.875          2,759.10         52
                                       6.625          2,759.10
    SAVANNAH         GA   31411          2            10/23/01         00
    0433348513                           05           12/01/01          0
    2001298668                           O            11/01/31
    0

    6006666          A06/G01             F          281,000.00         ZZ
                                         360        281,000.00          1
                                       6.875          1,845.97         64
                                       6.625          1,845.97
    CINCINNATI       OH   45213          2            12/10/01         00
    0433510716                           05           02/01/02          0
    1                                    O            01/01/32
    0

    6007788          783/G01             F          312,000.00         ZZ
                                         360        310,714.60          1
                                       6.750          2,023.63         73
                                       6.500          2,023.63
    OAK HARBOR       WA   98277          5            10/25/01         00
    0433390887                           05           12/01/01          0
    01091901730007                       O            11/01/31
    0

    6012140          H12/G01             F          360,000.00         ZZ
                                         360        359,422.51          1
                                       7.125          2,425.39         56
                                       6.875          2,425.39
    OVERLAND PARK    KS   66221          5            10/04/01         00
    0433439338                           03           12/01/01          0
    0800013877055                        O            11/01/31
    0

    6016284          Q57/G01             F          105,520.00         ZZ
                                         360        105,346.50          1
                                       7.000            702.03         80
                                       6.750            702.03
    GILBERT          AZ   85233          1            10/23/01         00
    0433339009                           03           12/01/01          0
    42100024                             O            11/01/31
    0

1

    6022088          313/G01             F          371,000.00         ZZ
                                         360        370,359.36          1
                                       6.750          2,406.30         75
                                       6.500          2,406.30
    MESA             AZ   85207          2            10/23/01         00
    0433452364                           05           12/01/01          0
    8424244                              O            11/01/31
    0

    6024648          313/G01             F          338,900.00         ZZ
                                         360        338,314.78          1
                                       6.750          2,198.10         65
                                       6.500          2,198.10
    ATLANTA          GA   30328          5            10/25/01         00
    0433467446                           05           12/01/01          0
    8398133                              O            11/01/31
    0

    6028516          964/G01             F          501,300.00         ZZ
                                         360        500,455.27          1
                                       6.875          3,293.19         71
                                       6.625          3,293.19
    DANVILLE         CA   94526          2            10/29/01         00
    0433350477                           05           12/01/01          0
    156663                               O            11/01/31
    0

    6029168          964/G01             F          328,000.00         ZZ
                                         360        327,724.44          1
                                       6.875          2,154.73         80
                                       6.625          2,154.73
    SACRAMENTO       CA   95864          1            11/09/01         00
    0433391331                           05           01/01/02          0
    153658                               O            12/01/31
    0

    6036192          550/550             F        1,300,000.00         ZZ
                                         360      1,297,781.72          1
                                       6.900          8,561.81         22
                                       6.650          8,561.81
    HILLSBOROUGH     CA   94010          2            10/01/01         00
    120542738                            05           12/01/01          0
    120542738                            O            11/01/31
    0

    6040352          994/X14             F          335,550.00         ZZ
                                         360        334,982.40          1
                                       6.875          2,204.32         90
                                       6.625          2,204.32
1

    MURRIETA         CA   92563          1            10/25/01         11
    618853962                            05           12/01/01         25
    618853962                            O            11/01/31
    0

    6041048          994/994             F          300,000.00         ZZ
                                         360        299,031.78          1
                                       7.125          2,021.16         90
                                       6.875          2,021.16
    OLD RIDGE        NJ   08857          1            08/28/01         11
    1000265000                           05           10/01/01         25
    1000265000                           O            09/01/31
    0

    6044662          A35/G01             F          416,000.00         ZZ
                                         360        415,281.65          1
                                       6.750          2,698.17         80
                                       6.500          2,698.17
    LAS VEGAS        NV   89117          1            10/25/01         00
    0433392347                           03           12/01/01          0
    00605                                O            11/01/31
    0

    6051466          E23/G01             F          367,200.00         ZZ
                                         360        366,883.85          1
                                       6.750          2,381.65         80
                                       6.500          2,381.65
    CARLSBAD         CA   92009          1            11/12/01         00
    0433456753                           05           01/01/02          0
    11006987                             O            12/01/31
    0

    6053922          624/G01             F          159,000.00         ZZ
                                         360        158,718.67          3
                                       6.625          1,018.09         80
                                       6.375          1,018.09
    SUMNER           WA   98390          2            10/27/01         00
    0433431640                           05           12/01/01          0
    85303010123F                         O            11/01/31
    0

    6057080          964/G01             F          475,000.00         ZZ
                                         360        474,600.94          1
                                       6.875          3,120.41         56
                                       6.625          3,120.41
    PACIFIC PALASID  CA   90272          2            11/01/01         00
    0433391349                           05           01/01/02          0
    160630                               O            12/01/31
    0
1

    6057174          E85/G01             F          365,200.00         ZZ
                                         360        364,642.51          1
                                       7.375          2,522.35         80
                                       7.125          2,522.35
    SAUSALITO        CA   94965          1            10/31/01         00
    0433506417                           01           12/01/01          0
    9610966                              O            11/01/31
    0

    6059724          E22/G01             F          162,800.00         ZZ
                                         360        162,504.85          1
                                       6.500          1,029.01         80
                                       6.250          1,029.01
    SAN ANTONIO      TX   78254          1            10/19/01         00
    0413121138                           03           12/01/01          0
    0413121138                           O            11/01/31
    0

    6063082          M82/G01             F          353,000.00         ZZ
                                         360        352,688.55          1
                                       6.625          2,260.30         62
                                       6.375          2,260.30
    ATLANTA          GA   30350          2            11/19/01         00
    0433427887                           05           01/01/02          0
    SGI10142                             O            12/01/31
    0

    6063282          696/G01             F          562,000.00         ZZ
                                         360        561,539.33          1
                                       7.000          3,739.00         55
                                       6.750          3,739.00
    WASHINGTON       DC   20008          2            11/07/01         00
    0433392099                           05           01/01/02          0
    32601296                             O            12/01/31
    0

    6067366          757/G01             F          308,000.00         ZZ
                                         360        307,493.58          1
                                       7.000          2,049.14         70
                                       6.750          2,049.14
    EGG HARBOR       WI   54209          2            10/25/01         00
    0433433067                           05           12/01/01          0
    4SERVAISKEV3                         O            11/01/31
    0

    6067368          A06/G01             F          650,000.00         ZZ
                                         360        649,426.51          1
1

                                       6.625          4,162.03         65
                                       6.375          4,162.03
    BIRMINGHAM       MI   48009          2            11/14/01         00
    0433391745                           05           01/01/02          0
    6067160                              O            12/01/31
    0

    6067728          964/G01             F          310,000.00         ZZ
                                         360        309,733.10          1
                                       6.750          2,010.65         73
                                       6.500          2,010.65
    NEWBURY PARK     CA   91320          2            11/06/01         00
    0433422466                           05           01/01/02          0
    400162422                            O            12/01/31
    0

    6069004          369/G01             F          315,000.00         ZZ
                                         360        314,395.78          1
                                       6.750          2,043.08         53
                                       6.500          2,043.08
    HIGHLANDS RANCH  CO   80126          5            10/30/01         00
    0433385697                           03           12/01/01          0
    0073528721                           O            11/01/31
    0

    6076796          R65/G01             F          462,500.00         ZZ
                                         360        462,111.44          1
                                       6.875          3,038.30         66
                                       6.625          3,038.30
    SHREWSBURY       NJ   07702          1            11/07/01         00
    0433494317                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6081076          R84/G01             F          128,000.00         ZZ
                                         360        127,892.46          1
                                       6.875            840.87         52
                                       6.625            840.87
    MAPLE VALLEY     WA   98038          5            11/07/01         00
    0433404688                           05           01/01/02          0
    WA366699                             O            12/01/31
    0

    6087266          G52/G01             F          360,500.00         ZZ
                                         360        360,181.94          1
                                       6.625          2,308.32         73
                                       6.375          2,308.32
    BROOMSFIELD      CO   80020          2            11/13/01         00
    0433472008                           03           01/01/02          0
1

    7405003672                           O            12/01/31
    0

    6090642          964/G01             F          334,000.00         ZZ
                                         360        333,712.43          1
                                       6.750          2,166.32         73
                                       6.500          2,166.32
    NAPA             CA   94558          2            11/12/01         00
    0433466125                           05           01/01/02          0
    152440                               O            12/01/31
    0

    6093082          W93/G01             F          506,100.00         ZZ
                                         360        504,848.18          1
                                       7.000          3,367.10         80
                                       6.750          3,367.10
    PLACENTIA        CA   92870          1            09/19/01         00
    0433285061                           03           11/01/01          0
    4295104                              O            10/01/31
    0

    6095194          356/G01             F          370,000.00         ZZ
                                         360        369,420.97          1
                                       7.250          2,524.06         70
                                       7.000          2,524.06
    LINCOLN HILLS    CA   95648          1            10/27/01         00
    0433528221                           03           12/01/01          0
    28852572                             O            11/01/31
    0

    6096260          W93/G01             F          328,000.00         ZZ
                                         360        327,188.68          1
                                       7.000          2,182.20         80
                                       6.750          2,182.20
    CROCKETT         CA   94525          1            09/18/01         00
    0433277076                           05           11/01/01          0
    20345795                             O            10/01/31
    0

    6107348          M27/G01             F          315,300.00         ZZ
                                         360        314,755.54          1
                                       6.750          2,045.03         73
                                       6.500          2,045.03
    FRANKLIN         TN   37067          2            10/30/01         00
    0433398948                           05           12/01/01          0
    600696331                            O            11/01/31
    0

1

    6108364          964/G01             F          356,000.00         ZZ
                                         360        355,685.91          1
                                       6.625          2,279.51         28
                                       6.375          2,279.51
    AUBURN           CA   95603          5            11/28/01         00
    0433492741                           05           01/01/02          0
    162955                               O            12/01/31
    0

    6110890          E22/G01             F          399,999.00         ZZ
                                         360        399,341.35          1
                                       7.000          2,661.20         49
                                       6.750          2,661.20
    FORT COLLINS     CO   80525          2            10/17/01         00
    0413008947                           03           12/01/01          0
    0413008947                           O            11/01/31
    0

    6111728          B57/G01             F          480,000.00         ZZ
                                         360        479,596.74          1
                                       6.875          3,153.26         67
                                       6.625          3,153.26
    LOS ANGELES      CA   91604          2            11/15/01         00
    0433435732                           05           01/01/02          0
    2117372                              O            12/01/31
    0

    6114916          R65/G01             F          332,000.00         ZZ
                                         360        331,714.15          1
                                       6.750          2,153.35         70
                                       6.500          2,153.35
    CHEVY CHASE      MD   20815          2            11/09/01         00
    0433476058                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6116842          994/994             F          518,000.00         ZZ
                                         360        517,564.82          1
                                       6.875          3,402.89         36
                                       6.625          3,402.89
    RUMSON           NJ   07760          2            11/16/01         00
    4319017971                           05           01/01/02          0
    4319017971                           O            12/01/31
    0

    6124076          369/G01             F          297,000.00         ZZ
                                         360        296,750.48          1
                                       6.875          1,951.08         72
                                       6.625          1,951.08
1

    ALPHARETTA       GA   30004          5            11/01/01         00
    0433515517                           03           01/01/02          0
    0073483166                           O            12/01/31
    0

    6125824          964/G01             F          386,000.00         ZZ
                                         360        385,659.44          1
                                       6.625          2,471.60         60
                                       6.375          2,471.60
    SAN RAFAEL       CA   94903          2            11/08/01         00
    0433488111                           05           01/01/02          0
    400164842                            O            12/01/31
    0

    6129388          964/G01             F          375,200.00         ZZ
                                         360        375,200.00          1
                                       6.625          2,402.45         80
                                       6.375          2,402.45
    LOS OSOS         CA   93402          1            12/05/01         00
    0433498151                           05           02/01/02          0
    154281                               O            01/01/32
    0

    6129534          994/X14             F          645,000.00         ZZ
                                         360        644,402.60          1
                                       6.375          4,023.96         63
                                       6.125          4,023.96
    KAILUA           HI   96734          5            11/05/01         00
    619023136                            05           01/01/02          0
    619023136                            O            12/01/31
    0

    6129972          964/G01             F          399,900.00         ZZ
                                         360        399,572.20          1
                                       7.000          2,660.55         80
                                       6.750          2,660.55
    SAN GABRIEL      CA   91775          2            11/12/01         00
    0433526886                           05           01/01/02          0
    162478                               O            12/01/31
    0

    6130500          964/G01             F          345,000.00         ZZ
                                         360        344,710.15          1
                                       6.875          2,266.41         46
                                       6.625          2,266.41
    SAN RAFAEL       CA   94903          2            11/16/01         00
    0433489663                           03           01/01/02          0
    160259                               O            12/01/31
    0
1

    6139282          A80/G01             F          200,000.00         ZZ
                                         360        199,827.80          1
                                       6.750          1,297.20         61
                                       6.500          1,297.20
    PEMBROKE PINES   FL   33432          2            11/06/01         00
    0433403409                           03           01/01/02          0
    0153818                              O            12/01/31
    0

    6144402          994/X14             F          765,000.00         ZZ
                                         360        764,372.94          1
                                       7.000          5,089.56         58
                                       6.750          5,089.56
    LA CANADA        CA   91011          2            11/09/01         00
    619005760                            05           01/01/02          0
    619005760                            O            12/01/31
    0

    6145160          U97/G01             F          399,000.00         ZZ
                                         360        398,311.00          1
                                       6.750          2,587.91         80
                                       6.500          2,587.91
    EAGLE            ID   83616          2            10/23/01         00
    0433382405                           03           12/01/01          0
    5959532                              O            11/01/31
    0

    6146736          964/G01             F          355,000.00         ZZ
                                         360        354,686.80          1
                                       6.625          2,273.10         60
                                       6.375          2,273.10
    MILLBRAE         CA   94030          2            11/21/01         00
    0433489796                           05           01/01/02          0
    400163375                            O            12/01/31
    0

    6148370          964/G01             F          343,600.00         ZZ
                                         360        343,600.00          1
                                       6.625          2,200.11         80
                                       6.375          2,200.11
    NOVATO           CA   94947          1            11/30/01         00
    0433501335                           05           02/01/02          0
    164782                               O            01/01/32
    0

    6154288          H58/G01             F          100,000.00         ZZ
                                         360         99,913.90          1
1

                                       6.750            648.60         32
                                       6.500            648.60
    MARTINEZ         CA   94553          5            11/14/01         00
    0433482106                           05           01/01/02          0
    0000080325                           O            12/01/31
    0

    6156820          J49/G01             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.875          2,496.33         80
                                       6.625          2,496.33
    LOS ALAMITOS     CA   90720          2            12/01/01         00
    0433521853                           05           02/01/02          0
    10110039                             O            01/01/32
    0

    6159082          964/G01             F          399,500.00         ZZ
                                         360        399,500.00          1
                                       7.000          2,657.88         68
                                       6.750          2,657.88
    SAN MATEO        CA   94404          1            12/04/01         00
    0433519931                           05           02/01/02          0
    165367                               O            01/01/32
    0

    6162888          W93/G01             F          386,400.00         ZZ
                                         360        385,467.49          1
                                       7.125          2,603.25         80
                                       6.875          2,603.25
    JAMUL            CA   91935          1            09/13/01         00
    0433287802                           05           11/01/01          0
    28312135                             O            10/01/31
    0

    6164496          W93/G01             F          339,000.00         ZZ
                                         360        338,161.49          1
                                       7.000          2,255.38         80
                                       6.750          2,255.38
    PLACENTIA        CA   92870          1            09/24/01         00
    0433287364                           03           11/01/01          0
    4295258                              O            10/01/31
    0

    6166494          F96/G01             F          362,000.00         ZZ
                                         360        361,664.72          1
                                       6.375          2,258.41         73
                                       6.125          2,258.41
    BOROUGH OF OAKL  NJ   07436          2            11/28/01         00
    0433486636                           03           01/01/02          0
1

    0106628                              O            12/01/31
    0

    6167568          757/G01             F          424,000.00         ZZ
                                         360        423,652.44          1
                                       7.000          2,820.89         78
                                       6.750          2,820.89
    HANOVER          NH   03755          2            11/08/01         00
    0433469590                           05           01/01/02          0
    2WEIDMANERI                          O            12/01/31
    0

    6169828          944/G01             F          383,600.00         ZZ
                                         360        383,269.72          1
                                       6.750          2,488.03         80
                                       6.500          2,488.03
    BELLEVUE         WA   98007          1            11/01/01         00
    0433393907                           05           01/01/02          0
    W01093495                            O            12/01/31
    0

    6174436          X18/G01             F          572,000.00         ZZ
                                         360        571,495.34          1
                                       6.625          3,662.58         52
                                       6.375          3,662.58
    EL DORADO HILLS  CA   95762          2            11/05/01         00
    0433451267                           05           01/01/02          0
    11112559                             O            12/01/31
    0

    6176644          994/X14             F          650,000.00         ZZ
                                         360        648,431.34          1
                                       7.125          4,379.17         67
                                       6.875          4,379.17
    ATLANTA          GA   30309          2            09/07/01         00
    421879520                            05           11/01/01          0
    421879520                            O            10/01/31
    0

    6179478          313/G01             F          650,000.00         ZZ
                                         360        649,453.92          1
                                       6.875          4,270.04         60
                                       6.625          4,270.04
    OCONOMOWOC       WI   53069          5            11/12/01         00
    0433456092                           05           01/01/02          0
    8382780                              O            12/01/31
    0

1

    6179522          624/G01             F          320,000.00         ZZ
                                         360        319,737.70          1
                                       7.000          2,128.97         68
                                       6.750          2,128.97
    CLAYTON          CA   94517          5            10/30/01         00
    0433426038                           03           01/01/02          0
    41002110036F                         O            12/01/31
    0

    6181162          S11/G01             F          378,400.00         ZZ
                                         360        378,082.10          1
                                       6.875          2,485.82         80
                                       6.625          2,485.82
    HUNTINGTON BEAC  CA   92646          1            10/31/01         00
    0433438520                           05           01/01/02          0
    10205302                             O            12/01/31
    0

    6186296          964/G01             F          578,000.00         ZZ
                                         360        577,514.41          1
                                       6.875          3,797.05         43
                                       6.625          3,797.05
    REDWOOD CITY     CA   94062          2            11/01/01         00
    0433397122                           05           01/01/02          0
    159509                               O            12/01/31
    0

    6186382          964/G01             F          470,000.00         T
                                         360        469,595.34          1
                                       6.750          3,048.41         65
                                       6.500          3,048.41
    VASHON           WA   98070          2            11/07/01         00
    0433446408                           05           01/01/02          0
    163311                               O            12/01/31
    0

    6188496          E22/G01             F          340,000.00         ZZ
                                         360        339,383.61          1
                                       6.500          2,149.03         80
                                       6.250          2,149.03
    BELLEVUE         WA   98008          1            10/24/01         00
    0413182825                           05           12/01/01          0
    0413182825                           O            11/01/31
    0

    6189696          R65/G01             F          449,000.00         ZZ
                                         360        448,603.85          1
                                       6.625          2,875.00         75
                                       6.375          2,875.00
1

    ARLINGTON        VA   22207          2            11/28/01         00
    0433468139                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6198496          964/G01             F          345,000.00         ZZ
                                         360        344,702.97          1
                                       6.750          2,237.66         45
                                       6.500          2,237.66
    SAN RAFAEL       CA   94901          5            11/08/01         00
    0433444189                           05           01/01/02          0
    165531                               O            12/01/31
    0

    6198812          624/G01             F          474,000.00         ZZ
                                         360        473,620.95          1
                                       7.125          3,193.43         68
                                       6.875          3,193.43
    KINGS BEACH      CA   96143          5            11/05/01         00
    0433433406                           05           01/01/02          0
    36800710896F                         O            12/01/31
    0

    6202456          964/G01             F          350,000.00         ZZ
                                         360        349,705.96          1
                                       6.875          2,299.25         38
                                       6.625          2,299.25
    LAS VEGAS        NV   89128          5            11/01/01         00
    0433391158                           03           01/01/02          0
    158150                               O            12/01/31
    0

    6205988          B57/G01             F          375,000.00         ZZ
                                         360        374,677.14          1
                                       6.750          2,432.24         69
                                       6.500          2,432.24
    SOUTH PASADENA   CA   91030          5            11/15/01         00
    0433446762                           05           01/01/02          0
    2160353                              O            12/01/31
    0

    6208142          H58/G01             F          496,000.00         ZZ
                                         360        495,583.30          1
                                       6.875          3,258.37         67
                                       6.625          3,258.37
    MORGAN HILL      CA   95037          2            11/05/01         00
    0433467602                           05           01/01/02          0
    0000080356                           O            12/01/31
    0
1

    6208234          964/G01             F          399,000.00         ZZ
                                         360        398,664.79          1
                                       6.875          2,621.15         50
                                       6.625          2,621.15
    SAN FRANCISCO    CA   94127          5            11/09/01         00
    0433442464                           05           01/01/02          0
    400156725                            O            12/01/31
    0

    6209308          B57/G01             F          429,000.00         ZZ
                                         360        428,639.59          1
                                       6.875          2,818.22         80
                                       6.625          2,818.22
    PASADENA         CA   91105          2            11/19/01         00
    0433456522                           01           01/01/02          0
    2160364                              O            12/01/31
    0

    6209794          M24/G01             F          328,000.00         ZZ
                                         360        327,724.44          1
                                       6.875          2,154.73         78
                                       6.625          2,154.73
    LADERA RANCH     CA   92694          2            11/08/01         00
    0433494499                           03           01/01/02          0
    0511530                              O            12/01/31
    0

    6213388          E22/G01             F          348,000.00         ZZ
                                         360        347,369.10          1
                                       6.500          2,199.60         58
                                       6.250          2,199.60
    MIAMI            FL   33173          2            10/23/01         00
    0413145574                           05           12/01/01          0
    0413145574                           O            11/01/31
    0

    6213472          E22/G01             F        1,000,000.00         ZZ
                                         360        998,230.58          1
                                       6.625          6,403.11         40
                                       6.375          6,403.11
    SEATTLE          WA   98105          1            10/17/01         00
    0413173253                           05           12/01/01          0
    0413173253                           O            11/01/31
    0

    6213496          E22/G01             F          328,700.00         ZZ
                                         360        328,159.56          1
1

                                       7.000          2,186.85         52
                                       6.750          2,186.85
    DALLAS           TX   75205          5            10/22/01         00
    0413188863                           05           12/01/01          0
    0413188863                           O            11/01/31
    0

    6214472          A52/G01             F          420,000.00         ZZ
                                         360        419,591.79          1
                                       6.125          2,551.96         63
                                       5.875          2,551.96
    RALEIGH          NC   27608          5            11/06/01         00
    0433462611                           05           01/01/02          0
    17012                                O            12/01/31
    0

    6215982          A35/A35             F          317,000.00         ZZ
                                         360        316,727.07          1
                                       6.750          2,056.06         74
                                       6.500          2,056.06
    ROCKVILLE        MD   20853          5            11/15/01         00
    12787                                05           01/01/02          0
    12787                                O            12/01/31
    0

    6217290          A06/G01             F          305,000.00         ZZ
                                         360        304,730.90          1
                                       6.625          1,952.95         69
                                       6.375          1,952.95
    COMMERCE TOWNSH  MI   48382          2            11/02/01         00
    0433350170                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6218830          964/G01             F          360,000.00         ZZ
                                         360        359,682.38          1
                                       6.625          2,305.12         60
                                       6.375          2,305.12
    LAS FLORES       CA   92688          2            11/15/01         00
    0433466299                           03           01/01/02          0
    158216                               O            12/01/31
    0

    6221432          F28/G01             F          294,100.00         ZZ
                                         360        293,372.55          1
                                       7.000          1,956.65         48
                                       6.750          1,956.65
    MINNETONKA       MN   55305          2            09/19/01         00
    0433313517                           05           11/01/01          0
1

    7388517                              O            10/01/31
    0

    6223306          964/G01             F          319,200.00         ZZ
                                         360        318,925.17          1
                                       6.750          2,070.33         80
                                       6.500          2,070.33
    SAN MATEO        CA   94401          1            11/20/01         00
    0433444163                           05           01/01/02          0
    166629                               O            12/01/31
    0

    6231854          N47/G01             F          399,500.00         ZZ
                                         360        399,500.00          1
                                       6.875          2,624.43         63
                                       6.625          2,624.43
    BERKELEY         CA   94709          5            11/08/01         00
    0433530078                           05           02/01/02          0
    20211946                             O            01/01/32
    0

    6233800          356/G01             F          315,000.00         ZZ
                                         360        314,741.79          1
                                       7.000          2,095.71         77
                                       6.750          2,095.71
    MILPITAS         CA   95035          2            11/20/01         00
    0433509908                           05           01/01/02          0
    28854214                             O            12/01/31
    0

    6235392          B57/G01             F          440,000.00         ZZ
                                         360        439,602.23          1
                                       6.500          2,781.10         63
                                       6.250          2,781.10
    ENCINO           CA   91436          2            11/26/01         00
    0433442035                           05           01/01/02          0
    2118554                              O            12/01/31
    0

    6237070          E22/G01             F          840,000.00         ZZ
                                         360        838,513.69          1
                                       6.625          5,378.61         70
                                       6.375          5,378.61
    KIRKLAND         WA   98034          2            10/19/01         00
    0413156654                           05           12/01/01          0
    0413156654                           O            11/01/31
    0

1

    6241438          116/116             F          509,150.00         ZZ
                                         360        508,700.78          1
                                       6.625          3,260.15         80
                                       6.375          3,260.15
    THE WOODLANDS    TX   77380          2            11/05/01         00
    091020629                            05           01/01/02          0
    091020629                            O            12/01/31
    0

    6245840          N47/G01             F          340,000.00         ZZ
                                         360        339,692.64          1
                                       6.500          2,149.03         64
                                       6.250          2,149.03
    CONCORD          CA   94521          5            11/07/01         00
    0433444460                           05           01/01/02          0
    20211947                             O            12/01/31
    0

    6246096          P44/G01             F          348,000.00         ZZ
                                         360        347,707.64          1
                                       6.875          2,286.11         45
                                       6.625          2,286.11
    OSTERVILLE       MA   02655          2            11/09/01         00
    0433426061                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6247166          Q57/G01             F          340,000.00         ZZ
                                         360        339,714.36          1
                                       6.875          2,233.56         80
                                       6.625          2,233.56
    SAN FRANCISCO    CA   94122          1            11/10/01         00
    0433392693                           01           01/01/02          0
    46500007                             O            12/01/31
    0

    6248074          975/G01             F          325,000.00         ZZ
                                         360        324,726.96          1
                                       6.875          2,135.02         68
                                       6.625          2,135.02
    LA CRESCENTA AR  CA   91214          2            11/01/01         00
    0433440674                           05           01/01/02          0
    2015091                              O            12/01/31
    0

    6248266          964/G01             F          376,000.00         ZZ
                                         360        375,668.26          1
                                       6.625          2,407.57         80
                                       6.375          2,407.57
1

    PACIFICA         CA   94044          1            11/26/01         00
    0433485745                           05           01/01/02          0
    400166780                            O            12/01/31
    0

    6250638          Q97/G01             F          393,500.00         ZZ
                                         360        393,185.33          1
                                       7.125          2,651.08         75
                                       6.875          2,651.08
    COLLEGEVILLE     PA   19426          5            11/06/01         00
    0433397734                           05           01/01/02          0
    16080322                             O            12/01/31
    0

    6252430          K89/G01             F          425,000.00         ZZ
                                         360        424,668.46          1
                                       7.250          2,899.25         61
                                       7.000          2,899.25
    MIAMI BEACH      FL   33140          2            11/05/01         00
    0433387479                           05           01/01/02          0
    20010911                             O            12/01/31
    0

    6252790          Q97/G01             F          750,000.00         ZZ
                                         360        749,369.91          1
                                       6.875          4,926.97         72
                                       6.625          4,926.97
    NEWTON           MA   02465          2            11/20/01         00
    0433523560                           05           01/01/02          0
    16100432                             O            12/01/31
    0

    6253158          U80/U80             F          307,023.56         ZZ
                                         356        306,745.66          1
                                       6.625          1,972.93         80
                                       6.375          1,972.93
    CHAPIN           SC   29036          1            12/10/01         00
    10002655                             05           01/01/02          0
    10002655                             O            08/01/31
    0

    6254210          L60/F27             F          365,600.00         ZZ
                                         360        364,695.70          1
                                       7.000          2,432.35         80
                                       6.750          2,432.35
    CLIFTON          VA   20124          2            09/25/01         00
    6920159646                           05           11/01/01          0
    6920159646                           O            10/01/31
    0
1

    6254212          L60/F27             F          374,400.00         T
                                         360        373,518.49          1
                                       7.250          2,554.07         80
                                       7.000          2,554.07
    LEWISVILLE       NC   27023          2            09/27/01         00
    6610860050                           05           11/01/01          0
    6610860050                           O            10/01/31
    0

    6255482          950/G01             F          750,000.00         ZZ
                                         360        749,338.30          1
                                       6.625          4,802.33         63
                                       6.375          4,802.33
    WOODWAY          WA   98020          5            11/02/01         00
    0433409844                           05           01/01/02          0
    EW110420                             O            12/01/31
    0

    6260102          964/G01             F          450,000.00         ZZ
                                         360        449,602.97          1
                                       6.625          2,881.40         60
                                       6.375          2,881.40
    ARROYO GRANDE    CA   93420          4            11/25/01         00
    0433494853                           05           01/01/02          0
    164223                               O            12/01/31
    0

    6261210          B57/G01             F          649,500.00         ZZ
                                         360        648,926.96          1
                                       6.625          4,158.82         44
                                       6.375          4,158.82
    LOS ANGELES      CA   90068          2            11/19/01         00
    0433464682                           05           01/01/02          0
    2118105                              O            12/01/31
    0

    6261390          926/926             F          440,000.00         ZZ
                                         360        439,665.19          1
                                       7.375          3,038.98         80
                                       7.125          3,038.98
    HILTON HEAD ISL  SC   29926          2            11/12/01         00
    01109365                             03           01/01/02          0
    01109365                             O            12/01/31
    0

    6262372          964/G01             F          336,000.00         ZZ
                                         360        336,000.00          1
1

                                       6.875          2,207.28         80
                                       6.625          2,207.28
    LAGUNA HILLS     CA   92653          5            12/05/01         00
    0433488871                           05           02/01/02          0
    164297                               O            01/01/32
    0

    6263330          575/G01             F          470,000.00         ZZ
                                         360        469,605.14          1
                                       6.875          3,087.57         58
                                       6.625          3,087.57
    CHEVY CHASE      MD   20815          5            11/23/01         00
    0433516630                           05           01/01/02          0
    12074167                             O            12/01/31
    0

    6267108          E33/G01             F        1,000,000.00         ZZ
                                         360        998,273.20          1
                                       6.750          6,485.98         67
                                       6.500          6,485.98
    LAKE BLUFF       IL   60044          2            10/25/01         00
    0433354891                           05           12/01/01          0
    GANSHIRT                             O            11/01/31
    0

    6269300          F26/G01             F          325,000.00         ZZ
                                         360        324,155.83          1
                                       6.750          2,107.94         79
                                       6.500          2,107.94
    EDMONDS          WA   98026          4            10/24/01         00
    0433409265                           05           11/01/01          0
    7142717509                           O            10/01/31
    0

    6270548          R65/G01             F          359,600.00         ZZ
                                         360        358,415.33          1
                                       6.500          2,272.92         69
                                       6.250          2,272.92
    ANNAPOLIS        MD   21401          5            11/09/01         00
    0433421187                           05           01/01/02          0
    20015657                             O            12/01/31
    0

    6270892          A06/G01             F          650,000.00         ZZ
                                         360        649,453.92          1
                                       6.875          4,270.04         65
                                       6.625          4,270.04
    ROCHESTER        MI   48306          1            11/07/01         00
    0433512092                           05           01/01/02          0
1

    1000010013223                        O            12/01/31
    0

    6273026          K15/G01             F          100,100.00         ZZ
                                         360        100,011.69          1
                                       6.625            640.95         65
                                       6.375            640.95
    RIVERHEAD        NY   11901          5            11/10/01         00
    0433414372                           05           01/01/02          0
    020805302986                         O            12/01/31
    0

    6276194          964/G01             F          500,000.00         ZZ
                                         360        499,558.86          1
                                       6.625          3,201.56         64
                                       6.375          3,201.56
    HALF MOON BAY    CA   94019          5            11/13/01         00
    0433454980                           05           01/01/02          0
    400167883                            O            12/01/31
    0

    6277372          G52/G01             F          595,000.00         ZZ
                                         360        594,500.12          1
                                       6.875          3,908.73         77
                                       6.625          3,908.73
    SCOTTSDALE       AZ   85259          2            11/06/01         00
    0433515434                           05           01/01/02          0
    6900001406                           O            12/01/31
    0

    6278512          R65/G01             F          381,900.00         ZZ
                                         360        381,579.16          1
                                       6.875          2,508.81         64
                                       6.625          2,508.81
    COLTS NECK       NJ   07722          2            11/28/01         00
    0433437241                           05           01/01/02          0
    20015741                             O            12/01/31
    0

    6279596          624/G01             F          379,200.00         ZZ
                                         360        378,881.43          1
                                       6.875          2,491.07         62
                                       6.625          2,491.07
    NEWARK           CA   94560          2            11/05/01         00
    0433425659                           05           01/01/02          0
    41101611096F                         O            12/01/31
    0

1

    6279684          E11/G01             F          801,200.00         ZZ
                                         360        800,493.12          1
                                       6.625          5,130.17         61
                                       6.375          5,130.17
    TONKA BAY        MN   55331          2            11/05/01         00
    0433395506                           05           01/01/02          0
    0010001036471                        O            12/01/31
    0

    6282288          H58/G01             F          332,000.00         ZZ
                                         360        331,692.50          1
                                       6.375          2,071.25         74
                                       6.125          2,071.25
    NEWTOWN          CT   06470          5            11/08/01         00
    0433400850                           05           01/01/02          0
    0000078197                           O            12/01/31
    0

    6282802          F28/G01             F          427,800.00         ZZ
                                         360        426,817.42          1
                                       7.375          2,954.71         80
                                       7.125          2,954.71
    WHITE PLAINS     NY   10603          1            09/21/01         00
    0433309093                           03           11/01/01          0
    7252176                              O            10/01/31
    0

    6283070          F28/G01             F          380,000.00         ZZ
                                         360        379,060.09          1
                                       7.000          2,528.15         51
                                       6.750          2,528.15
    HILTON HEAD      SC   29928          2            09/10/01         00
    0433311446                           03           11/01/01          0
    7076724                              O            10/01/31
    0

    6283464          964/G01             F          624,000.00         ZZ
                                         360        623,475.76          1
                                       6.875          4,099.24         55
                                       6.625          4,099.24
    SAUSALITO        CA   94965          2            11/12/01         00
    0433501129                           05           01/01/02          0
    158642                               O            12/01/31
    0

    6286326          964/G01             F          363,500.00         ZZ
                                         360        363,179.29          1
                                       6.625          2,327.53         80
                                       6.375          2,327.53
1

    ATASCADERO       CA   93422          2            11/21/01         00
    0433497682                           05           01/01/02          0
    156805                               O            12/01/31
    0

    6286946          N47/G01             F          336,800.00         ZZ
                                         360        336,502.85          1
                                       6.625          2,156.57         80
                                       6.375          2,156.57
    SAN RAMON        CA   94583          1            11/01/01         00
    0433355831                           05           01/01/02          0
    20510843                             O            12/01/31
    0

    6287542          L85/G01             F          326,000.00         ZZ
                                         360        326,000.00          1
                                       6.625          2,087.41         30
                                       6.375          2,087.41
    ST. LOUIS        MO   63131          2            12/10/01         00
    0433487493                           05           02/01/02          0
    10111003MO                           O            01/01/32
    0

    6288130          944/G01             F          445,000.00         ZZ
                                         360        444,616.86          1
                                       6.750          2,886.27         49
                                       6.500          2,886.27
    CRYSTAL BAY      NV   89452          5            11/16/01         00
    0433448495                           05           01/01/02          0
    W01100635                            O            12/01/31
    0

    6289380          950/G01             F          315,000.00         ZZ
                                         360        314,735.36          1
                                       6.875          2,069.33         63
                                       6.625          2,069.33
    SAN LEANDRO      CA   94577          1            11/13/01         00
    0433437431                           03           01/01/02          0
    A6110005                             O            12/01/31
    0

    6290866          E22/G01             F          635,000.00         ZZ
                                         360        633,876.43          1
                                       6.625          4,065.97         32
                                       6.375          4,065.97
    SEATTLE          WA   98105          2            10/23/01         00
    0413145707                           05           12/01/01          0
    0413145707                           O            11/01/31
    0
1

    6290910          E22/G01             F          311,000.00         ZZ
                                         360        310,449.70          1
                                       6.625          1,991.37         63
                                       6.375          1,991.37
    SEATTLE          WA   98105          2            10/25/01         00
    0413183005                           05           12/01/01          0
    0413183005                           O            11/01/31
    0

    6290942          E22/G01             F          525,000.00         ZZ
                                         360        524,071.06          1
                                       6.625          3,361.63         70
                                       6.375          3,361.63
    SEATTLE          WA   98112          2            10/24/01         00
    0413212457                           05           12/01/01          0
    0413212457                           O            11/01/31
    0

    6300068          964/G01             F          353,200.00         ZZ
                                         360        352,888.38          1
                                       6.625          2,261.58         72
                                       6.375          2,261.58
    ELK GROVE        CA   95758          2            11/09/01         00
    0433488665                           05           01/01/02          0
    157867                               O            12/01/31
    0

    6301308          964/G01             F          600,000.00         ZZ
                                         360        599,508.18          1
                                       7.000          3,991.82         28
                                       6.750          3,991.82
    SAUSALITO        CA   94965          2            11/14/01         00
    0433548245                           05           01/01/02          0
    400166341                            O            12/01/31
    0

    6301352          964/G01             F          715,000.00         T
                                         360        714,399.31          1
                                       6.875          4,697.04         65
                                       6.625          4,697.04
    GRANBY           CO   80446          2            12/27/01         00
    0433492899                           05           01/01/02          0
    165202                               O            12/01/31
    0

    6302692          994/X14             F          532,000.00         ZZ
                                         360        531,595.19          1
1

                                       7.375          3,674.39         70
                                       7.125          3,674.39
    PASADENA         CA   91107          5            11/06/01         00
    619042367                            05           01/01/02          0
    619042367                            O            12/01/31
    0

    6302812          964/G01             F          485,000.00         ZZ
                                         360        484,592.54          1
                                       6.875          3,186.11         78
                                       6.625          3,186.11
    GLENDALE         CA   91208          2            11/19/01         00
    0433456472                           03           01/01/02          0
    161330                               O            12/01/31
    0

    6311420          964/G01             F          650,000.00         ZZ
                                         360        649,453.92          1
                                       6.875          4,270.04         77
                                       6.625          4,270.04
    SAN RAFAEL       CA   94901          1            11/14/01         00
    0433506532                           05           01/01/02          0
    166326                               O            12/01/31
    0

    6311490          L46/L46             F          356,100.00         ZZ
                                         360        355,793.40          1
                                       6.750          2,309.66         78
                                       6.500          2,309.66
    FRISCO           TX   75034          2            11/16/01         00
    0000950246                           05           01/01/02          0
    0000950246                           O            12/01/31
    0

    6312152          L33/G01             F          650,000.00         T
                                         360        649,426.52          1
                                       6.625          4,162.02         65
                                       6.375          4,162.02
    EDWARDS          CO   81632          1            11/09/01         00
    0433394798                           05           01/01/02          0
    00950211                             O            12/01/31
    0

    6313364          E76/G01             F           96,000.00         ZZ
                                         360         95,919.35          1
                                       6.875            630.65         64
                                       6.625            630.65
    NORTH LAS VEGAS  NV   89031          2            11/16/01         00
    0433478799                           05           01/01/02          0
1

    10009834                             O            12/01/31
    0

    6313660          944/G01             F          700,000.00         ZZ
                                         360        699,367.19          1
                                       6.500          4,424.48         54
                                       6.250          4,424.48
    HALF MOON BAY    CA   94019          5            11/16/01         00
    0433457173                           03           01/01/02          0
    R00091558                            O            12/01/31
    0

    6315498          964/G01             F          354,000.00         ZZ
                                         360        353,687.67          1
                                       6.625          2,266.70         60
                                       6.375          2,266.70
    DENVER           CO   80246          2            11/28/01         00
    0433487386                           05           01/01/02          0
    400168642                            O            12/01/31
    0

    6316090          E33/G01             F          320,000.00         ZZ
                                         360        319,724.49          1
                                       6.750          2,075.51         69
                                       6.500          2,075.51
    NORTHBROOK       IL   60062          2            10/29/01         00
    0433506110                           05           01/01/02          0
    EGGERT                               O            12/01/31
    0

    6316348          665/G01             F          386,000.00         ZZ
                                         360        385,659.44          1
                                       6.625          2,471.60         72
                                       6.375          2,471.60
    SAN RAMON        CA   94583          2            11/07/01         00
    0433427614                           05           01/01/02          0
    88102891                             O            12/01/31
    0

    6317970          356/G01             F          350,000.00         ZZ
                                         360        349,726.96          1
                                       7.250          2,387.62         71
                                       7.000          2,387.62
    TRACY            CA   95304          5            11/21/01         00
    0433506318                           05           01/01/02          0
    2909752                              O            12/01/31
    0

1

    6319644          E22/G01             F          400,000.00         ZZ
                                         360        399,358.36          1
                                       7.125          2,694.87         53
                                       6.875          2,694.87
    AUSTIN           TX   78734          5            10/29/01         00
    0413115882                           03           12/01/01          0
    0413115882                           O            11/01/31
    0

    6319662          E22/G01             F          305,250.00         ZZ
                                         360        304,696.60          1
                                       6.500          1,929.39         58
                                       6.250          1,929.39
    DAVIE            FL   33326          2            10/29/01         00
    0413132531                           03           12/01/01          0
    0413132531                           O            11/01/31
    0

    6320082          Q73/G01             F           99,500.00         ZZ
                                         360         99,416.41          1
                                       6.875            653.64         74
                                       6.625            653.64
    COLDWATER        MS   38618          2            12/04/01         00
    0433498789                           05           01/01/02          0
    2867788                              O            12/01/31
    0

    6320404          E82/G01             F          399,000.00         ZZ
                                         360        398,298.84          1
                                       6.750          2,587.91         80
                                       6.500          2,587.91
    GREENVILLE       MS   38701          2            10/31/01         00
    0400517389                           05           12/01/01          0
    6320404                              O            11/01/31
    0

    6321336          624/G01             F          350,000.00         ZZ
                                         360        349,698.66          1
                                       6.750          2,270.09         45
                                       6.500          2,270.09
    SANTA BARBARA    CA   93110          5            11/12/01         00
    0433425832                           05           01/01/02          0
    72014612226F                         O            12/01/31
    0

    6324348          R65/G01             F          549,000.00         ZZ
                                         360        548,515.63          1
                                       6.625          3,515.31         77
                                       6.375          3,515.31
1

    STAMFORD         CT   06902          2            11/14/01         00
    0433496858                           05           01/01/02          0
    20015702                             O            12/01/31
    0

    6328554          964/G01             F          715,000.00         ZZ
                                         360        714,384.40          1
                                       6.750          4,637.48         25
                                       6.500          4,637.48
    NAPA             CA   94558          5            11/16/01         00
    0433441839                           05           01/01/02          0
    148984                               O            12/01/31
    0

    6329112          964/G01             F          440,000.00         ZZ
                                         360        439,630.34          1
                                       6.875          2,890.49         71
                                       6.625          2,890.49
    SANTA ROSA       CA   95405          2            11/27/01         00
    0433496999                           05           01/01/02          0
    400161420                            O            12/01/31
    0

    6329290          116/116             F          536,650.00         ZZ
                                         360        536,199.15          1
                                       6.875          3,525.41         80
                                       6.625          3,525.41
    BELLAIRE         TX   77401          1            11/09/01         00
    091068983                            05           01/01/02          0
    091068983                            O            12/01/31
    0

    6329362          W93/G01             F          650,000.00         ZZ
                                         360        648,957.33          1
                                       7.125          4,379.17         59
                                       6.875          4,379.17
    AGOURA HILLS     CA   91301          5            10/09/01         00
    0433508017                           05           12/01/01          0
    67335098                             O            11/01/31
    0

    6329444          R65/G01             F          430,500.00         ZZ
                                         360        430,120.18          1
                                       6.625          2,756.54         52
                                       6.375          2,756.54
    VIENNA           VA   22182          5            11/14/01         00
    0433447562                           05           01/01/02          0
    20015700                             O            12/01/31
    0
1

    6329938          T29/G01             F          399,999.00         ZZ
                                         360        399,662.95          1
                                       6.875          2,627.71         77
                                       6.625          2,627.71
    SCOTTSDALE       AZ   85253          2            11/12/01         00
    0433391091                           05           01/01/02          0
    1210593                              O            12/01/31
    0

    6329986          825/G01             F          999,950.00         ZZ
                                         360        999,067.77          1
                                       6.625          6,402.79         63
                                       6.375          6,402.79
    SNOWMASS VILLAG  CO   81611          2            11/26/01         00
    0433441292                           05           01/01/02          0
    24039                                O            12/01/31
    0

    6333444          W93/G01             F          288,000.00         ZZ
                                         360        287,526.48          1
                                       7.000          1,916.07         80
                                       6.750          1,916.07
    CYPRESS          CA   90630          1            10/10/01         00
    0433507191                           05           12/01/01          0
    67334643                             O            11/01/31
    0

    6334000          R65/G01             F          370,000.00         ZZ
                                         360        369,673.56          1
                                       6.625          2,369.15         62
                                       6.375          2,369.15
    WELLESLEY        MA   02482          5            12/14/01         00
    0433437076                           05           01/01/02          0
    20015696                             O            12/01/31
    0

    6334198          E60/G01             F          576,000.00         ZZ
                                         360        575,479.28          1
                                       6.500          3,640.72         80
                                       6.250          3,640.72
    SANTA ANA AREA   CA   92705          2            11/06/01         00
    0433447331                           05           01/01/02          0
    523157                               O            12/01/31
    0

    6336502          696/G01             F          397,000.00         ZZ
                                         360        396,662.00          1
1

                                       6.875          2,608.01         80
                                       6.625          2,608.01
    ALEXANDRIA       VA   22302          2            10/30/01         00
    0433339157                           05           01/01/02          0
    31801186                             O            12/01/31
    0

    6336504          696/G01             F          682,500.00         ZZ
                                         360        681,349.95          1
                                       6.875          4,483.54         70
                                       6.625          4,483.54
    WASHINGTON       DC   20009          2            10/30/01         00
    0433344140                           05           12/01/01          0
    31201523                             O            11/01/31
    0

    6337992          964/G01             F          397,000.00         ZZ
                                         360        397,000.00          1
                                       6.875          2,608.01         80
                                       6.625          2,608.01
    PORTLAND         OR   97231          2            12/07/01         00
    0433492394                           05           02/01/02          0
    167861                               O            01/01/32
    0

    6338780          624/G01             F          329,000.00         ZZ
                                         360        328,716.74          1
                                       6.750          2,133.89         51
                                       6.500          2,133.89
    SAN CLEMENTE     CA   92673          2            11/07/01         00
    0433425576                           29           01/01/02          0
    34900112416F                         O            12/01/31
    0

    6338792          964/G01             F          348,900.00         ZZ
                                         360        348,599.60          1
                                       6.750          2,262.96         46
                                       6.500          2,262.96
    SUNNYVALE        CA   94087          2            11/14/01         00
    0433517414                           05           01/01/02          0
    162088                               O            12/01/31
    0

    6345142          E22/G01             F          343,500.00         ZZ
                                         360        342,948.99          1
                                       7.125          2,314.22         69
                                       6.875          2,314.22
    OAK PARK         IL   60304          5            10/30/01         00
    0413145525                           05           12/01/01          0
1

    0413145525                           O            11/01/31
    0

    6345158          E22/G01             F          404,000.00         ZZ
                                         360        403,285.15          1
                                       6.625          2,586.86         79
                                       6.375          2,586.86
    JOHNS ISLAND     SC   29455          2            10/30/01         00
    0413155912                           05           12/01/01          0
    0413155912                           O            11/01/31
    0

    6345260          E22/G01             F          141,300.00         ZZ
                                         360        141,084.32          1
                                       7.375            975.92         57
                                       7.125            975.92
    WOODBRIDGE       NJ   07095          2            10/31/01         00
    0413201336                           05           12/01/01          0
    0413201336                           O            11/01/31
    0

    6345488          757/G01             F          365,750.00         ZZ
                                         360        365,442.72          1
                                       6.875          2,402.72         78
                                       6.625          2,402.72
    DACULA           GA   30019          2            11/26/01         00
    0433436839                           05           01/01/02          0
    1000466902                           O            12/01/31
    0

    6345982          M27/G01             F          388,500.00         ZZ
                                         360        387,861.24          1
                                       7.000          2,584.70         65
                                       6.750          2,584.70
    RICHMOND         VA   23220          5            10/29/01         00
    0433381951                           05           12/01/01          0
    600694670                            O            11/01/31
    0

    6346548          W93/G01             F          578,900.00         ZZ
                                         360        577,900.34          1
                                       6.750          3,754.74         80
                                       6.500          3,754.74
    PLACENTIA        CA   92870          1            10/11/01         00
    0433508025                           03           12/01/01          0
    4295279                              O            11/01/31
    0

1

    6347140          757/G01             F          341,250.00         ZZ
                                         360        341,250.00          1
                                       7.000          2,270.35         75
                                       6.750          2,270.35
    ANDOVER          MA   01810          5            11/30/01         00
    0433500824                           05           02/01/02          0
    2DRUTHSTEV                           O            01/01/32
    0

    6347284          757/G01             F          397,000.00         ZZ
                                         360        396,674.57          1
                                       7.000          2,641.26         55
                                       6.750          2,641.26
    NORTH ANDOVER    MA   01845          2            11/16/01         00
    0433435799                           05           01/01/02          0
    1000476265                           O            12/01/31
    0

    6347744          964/G01             F          351,200.00         ZZ
                                         360        350,882.51          1
                                       6.500          2,219.82         80
                                       6.250          2,219.82
    PORTLAND         OR   97212          1            11/17/01         00
    0433444213                           05           01/01/02          0
    168281                               O            12/01/31
    0

    6350398          994/X14             F          333,000.00         ZZ
                                         360        332,215.97          1
                                       7.250          2,271.65         65
                                       7.000          2,271.65
    ST LOUIS         MO   63124          5            09/25/01         00
    2001204279                           03           11/01/01          0
    2001204279                           O            10/01/31
    0

    6352874          964/G01             F          325,000.00         ZZ
                                         360        324,726.96          1
                                       6.875          2,135.02         45
                                       6.625          2,135.02
    LAFAYETTE        CA   94549          5            11/19/01         00
    0433494887                           05           01/01/02          0
    168797                               O            12/01/31
    0

    6354800          964/G01             F          375,000.00         ZZ
                                         360        374,669.14          1
                                       6.625          2,401.17         69
                                       6.375          2,401.17
1

    INCLINE VILLAGE  NV   89451          2            11/14/01         00
    0433494028                           05           01/01/02          0
    161576                               O            12/01/31
    0

    6357830          B57/G01             F          360,000.00         ZZ
                                         360        359,697.56          1
                                       6.875          2,364.94         57
                                       6.625          2,364.94
    LOS ANGELES      CA   91436          1            11/19/01         00
    0433446432                           05           01/01/02          0
    2118710                              O            12/01/31
    0

    6358334          964/G01             F          284,000.00         ZZ
                                         360        283,749.44          1
                                       6.625          1,818.48         79
                                       6.375          1,818.48
    SANTA ROSA       CA   95405          1            11/21/01         00
    0433488939                           05           01/01/02          0
    400165308                            O            12/01/31
    0

    6358536          964/G01             F          497,000.00         ZZ
                                         360        496,592.62          1
                                       7.000          3,306.55         69
                                       6.750          3,306.55
    SAN JOSE         CA   95120          5            11/16/01         00
    0433513413                           05           01/01/02          0
    157212                               O            12/01/31
    0

    6360930          N47/G01             F          422,000.00         ZZ
                                         360        421,662.54          1
                                       7.125          2,843.09         61
                                       6.875          2,843.09
    HAYWARD          CA   94542          2            11/09/01         00
    0433485596                           05           01/01/02          0
    20211664                             O            12/01/31
    0

    6361836          Q97/G01             F          325,000.00         ZZ
                                         360        325,000.00          1
                                       6.875          2,135.02         78
                                       6.625          2,135.02
    TAUNTON          MA   02780          1            12/13/01         00
    0433494721                           05           02/01/02          0
    16100459                             O            01/01/32
    0
1

    6362018          G51/G01             F          479,600.00         ZZ
                                         360        479,187.07          1
                                       6.750          3,110.68         68
                                       6.500          3,110.68
    LAFAYETTE        CO   80026          2            11/20/01         00
    0433440864                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6369764          964/G01             F          369,600.00         ZZ
                                         360        369,281.78          1
                                       6.750          2,397.22         80
                                       6.500          2,397.22
    HUNTINGTON BEAC  CA   92646          1            11/12/01         00
    0433441813                           05           01/01/02          0
    164821                               O            12/01/31
    0

    6369894          L60/F27             F          362,500.00         ZZ
                                         360        361,591.79          1
                                       7.250          2,472.89         50
                                       7.000          2,472.89
    LEWISVILLE       NC   27023          5            09/24/01         00
    6610867942                           05           11/01/01          0
    6610867942                           O            10/01/31
    0

    6369988          L60/F27             F          429,800.00         ZZ
                                         360        428,446.66          1
                                       7.250          2,931.99         66
                                       7.000          2,931.99
    CHARLOTTE        NC   28203          5            08/27/01         00
    6990421801                           05           10/01/01          0
    6990421801                           O            09/01/31
    0

    6370226          L60/F27             F          304,000.00         ZZ
                                         360        302,607.12          1
                                       7.250          2,073.82         80
                                       7.000          2,073.82
    LUTHERVILLE      MD   21093          2            08/28/01         00
    6990428350                           03           10/01/01          0
    6990428350                           O            09/01/31
    0

    6370260          L60/F27             F          322,000.00         ZZ
                                         360        320,979.94          1
1

                                       7.000          2,142.27         63
                                       6.750          2,142.27
    RALEIGH          NC   27615          5            09/12/01         00
    6610868698                           05           11/01/01          0
    6610868698                           O            10/01/31
    0

    6372816          964/G01             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.625          2,049.00         80
                                       6.375          2,049.00
    AUBURN           WA   98001          2            12/04/01         00
    0433495165                           03           02/01/02          0
    168367                               O            01/01/32
    0

    6376232          E22/G01             F          384,000.00         ZZ
                                         360        383,318.09          1
                                       6.750          2,490.62         80
                                       6.500          2,490.62
    BOERNE           TX   78015          2            11/01/01         00
    0413223611                           03           12/01/01          0
    0413223611                           O            11/01/31
    0

    6376256          E22/G01             F          432,000.00         ZZ
                                         360        431,235.62          1
                                       6.625          2,766.14         80
                                       6.375          2,766.14
    HOUSTON          TX   77025          1            11/06/01         00
    0413236217                           05           12/01/01          0
    0413236217                           O            11/01/31
    0

    6377008          W93/G01             F          348,000.00         ZZ
                                         360        347,427.82          1
                                       7.000          2,315.26         80
                                       6.750          2,315.26
    CARLSBASD        CA   92009          1            10/08/01         00
    0433507340                           01           12/01/01          0
    28352986                             O            11/01/31
    0

    6377464          994/X14             F          385,000.00         ZZ
                                         360        382,162.34          1
                                       7.125          2,593.82         80
                                       6.875          2,593.82
    BOSTON           MA   02118          1            03/30/01         00
    1000242230                           01           05/01/01          0
1

    1000242230                           O            04/01/31
    0

    6378346          575/G01             F          355,000.00         ZZ
                                         360        355,000.00          1
                                       6.875          2,332.10         75
                                       6.625          2,332.10
    HIGHLAND         MD   20777          2            12/06/01         00
    0433524535                           05           02/01/02          0
    0012069027                           O            01/01/32
    0

    6378648          757/G01             F          367,000.00         ZZ
                                         360        366,691.67          1
                                       6.875          2,410.93         77
                                       6.625          2,410.93
    ARNOLD           MD   21012          2            11/27/01         00
    0433538592                           05           01/01/02          0
    1000501831                           O            12/01/31
    0

    6380246          R65/G01             F          345,000.00         ZZ
                                         360        344,695.62          1
                                       6.625          2,209.07         59
                                       6.375          2,209.07
    OAKLAND          CA   94611          5            11/26/01         00
    0433530821                           05           01/01/02          0
    20015733                             O            12/01/31
    0

    6382288          964/G01             F          575,600.00         ZZ
                                         360        575,116.43          1
                                       6.875          3,781.28         20
                                       6.625          3,781.28
    HILLSBOROUGH     CA   94010          2            11/21/01         00
    0433486800                           05           01/01/02          0
    400162498                            O            12/01/31
    0

    6383958          X31/G01             F          324,000.00         ZZ
                                         360        323,727.80          1
                                       6.875          2,128.45         80
                                       6.625          2,128.45
    SEAL BEACH       CA   90740          2            11/01/01         00
    0433499878                           05           01/01/02          0
    40100273                             O            12/01/31
    0

1

    6390546          964/G01             F          355,000.00         ZZ
                                         360        354,686.80          1
                                       6.625          2,273.10         59
                                       6.375          2,273.10
    CASTRO VALLEY    CA   94522          2            11/16/01         00
    0433487766                           03           01/01/02          0
    400167197                            O            12/01/31
    0

    6390604          M27/G01             F          365,000.00         ZZ
                                         360        364,693.36          1
                                       6.875          2,397.79         76
                                       6.625          2,397.79
    CONCORD          NC   28025          2            11/21/01         00
    0433440617                           05           01/01/02          0
    600702557                            O            12/01/31
    0

    6391596          B57/G01             F          382,500.00         ZZ
                                         360        382,162.53          1
                                       6.625          2,449.19         75
                                       6.375          2,449.19
    VALLEY VILLAGE   CA   91607          5            11/14/01         00
    0433443496                           05           01/01/02          0
    2116831                              O            12/01/31
    0

    6394456          757/G01             F          325,000.00         ZZ
                                         360        325,000.00          1
                                       6.750          2,107.95         51
                                       6.500          2,107.95
    RIVER FOREST     IL   60305          5            12/06/01         00
    0433548500                           05           02/01/02          0
    1000506566                           O            01/01/32
    0

    6394970          L46/L46             F          396,000.00         ZZ
                                         360        395,659.05          1
                                       6.750          2,568.45         80
                                       6.500          2,568.45
    PLANO            TX   75093          1            11/13/01         00
    0000950808                           05           01/01/02          0
    0000950808                           O            12/01/31
    0

    6396970          964/G01             F          535,000.00         ZZ
                                         360        534,550.53          1
                                       6.875          3,514.57         43
                                       6.625          3,514.57
1

    MENLO PARK       CA   94025          2            11/20/01         00
    0433501491                           05           01/01/02          0
    400164481                            O            12/01/31
    0

    6399474          783/G01             F          510,000.00         ZZ
                                         360        509,571.54          1
                                       6.875          3,350.34         57
                                       6.625          3,350.34
    ROCHE HARBOR     WA   98250          5            11/20/01         00
    0433468295                           03           01/01/02          0
    01101802460009                       O            12/01/31
    0

    6406600          964/G01             F          381,500.00         ZZ
                                         360        381,179.50          1
                                       6.875          2,506.18         74
                                       6.625          2,506.18
    TRUCKEE          CA   96161          2            11/20/01         00
    0433434453                           03           01/01/02          0
    165661                               O            12/01/31
    0

    6408398          E22/G01             F          350,000.00         ZZ
                                         360        349,705.96          1
                                       6.875          2,299.25         45
                                       6.625          2,299.25
    SAN ANTONIO      TX   78212          5            11/01/01         00
    0413158791                           05           01/01/02          0
    0413158791                           O            12/01/31
    0

    6411584          U28/G01             F          450,000.00         ZZ
                                         360        449,602.97          1
                                       6.625          2,881.40         74
                                       6.375          2,881.40
    ATLANTA          GA   30305          1            11/15/01         00
    0433394863                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6412748          511/511             F          379,000.00         ZZ
                                         360        378,681.59          1
                                       6.875          2,489.76         77
                                       6.625          2,489.76
    DEERFIELD        IL   60015          2            12/29/01         00
    0002473240                           05           01/01/02          0
    0002473240                           O            12/01/31
    0
1

    6413000          964/G01             F          368,000.00         ZZ
                                         360        367,683.16          1
                                       6.750          2,386.84         80
                                       6.500          2,386.84
    PETALUMA         CA   94954          1            11/16/01         00
    0433444239                           05           01/01/02          0
    160253                               O            12/01/31
    0

    6414730          X18/G01             F          639,000.00         ZZ
                                         360        638,436.22          1
                                       6.625          4,091.59         53
                                       6.375          4,091.59
    GILROY           CA   95020          2            11/12/01         00
    0433479920                           03           01/01/02          0
    11112730                             O            12/01/31
    0

    6418102          964/G01             F          328,000.00         ZZ
                                         360        328,000.00          1
                                       6.875          2,154.73         73
                                       6.625          2,154.73
    OAKLAND          CA   94611          2            12/05/01         00
    0433489820                           05           02/01/02          0
    400170327                            O            01/01/32
    0

    6418110          757/G01             F          380,000.00         ZZ
                                         360        379,656.47          1
                                       6.500          2,401.86         68
                                       6.250          2,401.86
    WESTON           CT   06883          2            11/30/01         00
    0433486420                           05           01/01/02          0
    1000485837                           O            12/01/31
    0

    6418558          964/G01             F          336,000.00         ZZ
                                         360        335,717.72          1
                                       6.875          2,207.28         63
                                       6.625          2,207.28
    GRANITE BAY      CA   95746          2            11/15/01         00
    0433471463                           03           01/01/02          0
    159659                               O            12/01/31
    0

    6419326          E11/G01             F          365,000.00         ZZ
                                         360        364,685.75          1
1

                                       6.750          2,367.38         67
                                       6.500          2,367.38
    EDINA            MN   55424          5            11/14/01         00
    0433405008                           05           01/01/02          0
    0015001037561                        O            12/01/31
    0

    6419952          964/G01             F          327,000.00         ZZ
                                         360        326,731.96          1
                                       7.000          2,175.54         78
                                       6.750          2,175.54
    SAN JOSE         CA   95117          2            11/21/01         00
    0433495249                           05           01/01/02          0
    400164609                            O            12/01/31
    0

    6421672          964/G01             F          379,000.00         ZZ
                                         360        378,665.62          1
                                       6.625          2,426.78         78
                                       6.375          2,426.78
    FULLERTON        CA   92831          2            11/13/01         00
    0433495843                           03           01/01/02          0
    156821                               O            12/01/31
    0

    6424198          W68/G01             F          310,000.00         ZZ
                                         360        309,490.30          1
                                       7.000          2,062.44         80
                                       6.750          2,062.44
    ALBUQUERQUE      NM   87111          2            11/01/01         00
    0433487428                           05           12/01/01          0
    22547                                O            11/01/31
    0

    6425716          950/G01             F          305,200.00         ZZ
                                         360        304,924.09          1
                                       6.500          1,929.08         80
                                       6.250          1,929.08
    SAN LEANDRO      CA   94577          1            11/20/01         00
    0433435435                           03           01/01/02          0
    A6108014                             O            12/01/31
    0

    6425978          964/G01             F          345,000.00         ZZ
                                         360        344,710.15          1
                                       6.875          2,266.41         66
                                       6.625          2,266.41
    AUBURN           CA   95602          2            11/14/01         00
    0433444171                           03           01/01/02          0
1

    160264                               O            12/01/31
    0

    6426986          W53/G01             F          352,174.00         ZZ
                                         360        351,594.95          1
                                       7.000          2,343.03         63
                                       6.750          2,343.03
    TIERRA VERDE     FL   33715          5            10/10/01         00
    0433486677                           05           12/01/01          0
    1302000037                           O            11/01/31
    0

    6428864          R84/G01             F          340,600.00         ZZ
                                         360        340,320.81          1
                                       7.000          2,266.02         62
                                       6.750          2,266.02
    HOUSTON          TX   77005          5            11/26/01         00
    0433498573                           05           01/01/02          0
    0506975                              O            12/01/31
    0

    6429592          E23/G01             F          512,000.00         ZZ
                                         360        511,580.32          1
                                       7.000          3,406.35         80
                                       6.750          3,406.35
    EL CAJON         CA   92019          1            11/14/01         00
    0433477940                           05           01/01/02          0
    11007482                             O            12/01/31
    0

    6429622          758/G01             F          452,000.00         ZZ
                                         360        451,620.26          1
                                       6.875          2,969.32         70
                                       6.625          2,969.32
    AUSTIN           TX   78730          5            11/13/01         00
    0433424694                           03           01/01/02          0
    1                                    O            12/01/31
    0

    6430588          893/G01             F          353,500.00         ZZ
                                         360        353,203.02          1
                                       6.875          2,322.24         70
                                       6.625          2,322.24
    SAN JOSE         CA   95129          2            11/14/01         00
    0433392339                           05           01/01/02          0
    M11031041                            O            12/01/31
    0

1

    6431856          B57/G01             F          363,000.00         ZZ
                                         360        362,687.47          1
                                       6.750          2,354.41         66
                                       6.500          2,354.41
    NORTHRIDGE       CA   91324          2            11/16/01         00
    0433455508                           05           01/01/02          0
    2118683                              O            12/01/31
    0

    6438426          D03/D03             F          264,000.00         ZZ
                                         360        264,000.00          1
                                       7.375          1,823.38         80
                                       7.125          1,823.38
    NEWARK           CA   94560          1            12/05/01         00
    1010001390                           05           02/01/02          0
    1010001390                           O            01/01/32
    0

    6439426          U80/U80             F          794,500.00         ZZ
                                         360        793,832.52          1
                                       6.875          5,219.30         62
                                       6.625          5,219.30
    PAWLEYS ISLAND   SC   29585          2            11/28/01         00
    10004385                             05           01/01/02          0
    10004385                             O            12/01/31
    0

    6441392          964/G01             F          389,000.00         ZZ
                                         360        388,673.20          1
                                       6.875          2,555.45         62
                                       6.625          2,555.45
    SANTA CLARA      CA   95054          2            11/20/01         00
    0433502093                           05           01/01/02          0
    166046                               O            12/01/31
    0

    6443716          624/G01             F          314,496.00         ZZ
                                         360        314,231.79          1
                                       6.875          2,066.01         77
                                       6.625          2,066.01
    AUSTIN           TX   78704          2            11/07/01         00
    0433425915                           05           01/01/02          0
    82300510266F                         O            12/01/31
    0

    6446530          144/144             F        1,000,000.00         ZZ
                                         360        999,180.31          1
                                       7.000          6,653.02         67
                                       6.750          6,653.02
1

    WACCABUC         NY   10597          1            11/15/01         00
    01STYLESS                            03           01/01/02          0
    01STYLESS                            O            12/01/31
    0

    6448970          F61/G01             F          485,500.00         ZZ
                                         360        485,121.26          1
                                       7.250          3,311.97         65
                                       7.000          3,311.97
    SEATTLE          WA   98116          2            11/14/01         00
    0433392867                           05           01/01/02          0
    011512S                              O            12/01/31
    0

    6449586          757/G01             F          394,400.00         ZZ
                                         360        394,400.00          1
                                       6.875          2,590.93         80
                                       6.625          2,590.93
    PROVIDENCE       RI   02906          1            12/03/01         00
    0433471828                           05           02/01/02          0
    1000465169                           O            01/01/32
    0

    6450458          964/G01             F          380,000.00         ZZ
                                         360        379,680.75          1
                                       6.875          2,496.33         50
                                       6.625          2,496.33
    CORTE MADERA     CA   94925          2            11/13/01         00
    0433436342                           05           01/01/02          0
    400158668                            O            12/01/31
    0

    6456646          L96/G01             F          348,000.00         ZZ
                                         360        347,692.97          1
                                       6.625          2,228.29         80
                                       6.375          2,228.29
    NEWBURY PARK     CA   91320          1            11/14/01         00
    0433472131                           03           01/01/02          0
    511667                               O            12/01/31
    0

    6456824          964/G01             F          345,250.00         ZZ
                                         360        344,980.68          1
                                       7.250          2,355.21         77
                                       7.000          2,355.21
    BRENTWOOD        CA   94513          2            11/19/01         00
    0433444312                           05           01/01/02          0
    156896                               O            12/01/31
    0
1

    6459392          S11/G01             F          420,000.00         ZZ
                                         360        419,629.44          1
                                       6.625          2,689.31         67
                                       6.375          2,689.31
    ORANGE           CA   92867          2            11/19/01         00
    0433483500                           05           01/01/02          0
    10205673                             O            12/01/31
    0

    6461908          R65/G01             F          363,000.00         ZZ
                                         360        362,679.73          1
                                       6.625          2,324.33         75
                                       6.375          2,324.33
    FALLS CHURCH     VA   22042          5            11/19/01         00
    0433419108                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6463142          R65/G01             F          337,600.00         ZZ
                                         360        337,287.32          1
                                       6.375          2,106.18         80
                                       6.125          2,106.18
    CATONSVILLE      MD   21228          2            11/21/01         00
    0433419363                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6464682          A06/G01             F          289,000.00         ZZ
                                         360        288,745.02          1
                                       6.625          1,850.50         65
                                       6.375          1,850.50
    BINGMAN FARMS    MI   48025          2            11/14/01         00
    0433512258                           05           01/01/02          0
    001000010013237                      O            12/01/31
    0

    6466666          U05/G01             F          337,000.00         ZZ
                                         360        336,723.76          1
                                       7.000          2,242.07         66
                                       6.750          2,242.07
    ANAHEIM          CA   92808          2            11/27/01         00
    0433502051                           05           01/01/02          0
    3187782                              O            12/01/31
    0

    6466906          N47/G01             F          396,000.00         ZZ
                                         360        395,650.62          1
1

                                       6.625          2,535.63         80
                                       6.375          2,535.63
    WALNUT CREEK     CA   94598          2            11/20/01         00
    0433454287                           05           01/01/02          0
    20211882                             O            12/01/31
    0

    6468376          A06/G01             F          330,000.00         ZZ
                                         360        329,729.50          1
                                       7.000          2,195.50         66
                                       6.750          2,195.50
    WATERFORD        MI   48328          2            11/15/01         00
    0433428513                           29           01/01/02          0
    1                                    O            12/01/31
    0

    6469024          783/G01             F        1,000,000.00         ZZ
                                         360        999,139.02          1
                                       6.750          6,485.98         59
                                       6.500          6,485.98
    BELLEVUE         WA   98004          5            11/14/01         00
    0433455896                           05           01/01/02          0
    9420002569                           O            12/01/31
    0

    6470914          964/G01             F          479,200.00         ZZ
                                         360        478,777.21          1
                                       6.625          3,068.37         80
                                       6.375          3,068.37
    LOS ANGELES      CA   90036          1            11/20/01         00
    0433440377                           05           01/01/02          0
    167657                               O            12/01/31
    0

    6471984          964/G01             F          426,675.00         ZZ
                                         360        426,675.00          1
                                       7.125          2,874.59         70
                                       6.875          2,874.59
    SANTA ANA        CA   92705          2            12/05/01         00
    0433497815                           05           02/01/02          0
    400167778                            O            01/01/32
    0

    6472050          F19/G01             F          390,000.00         ZZ
                                         360        389,664.22          1
                                       6.750          2,529.53         74
                                       6.500          2,529.53
    APTOS            CA   95003          2            11/19/01         00
    0433419231                           05           01/01/02          0
1

    511960                               O            12/01/31
    0

    6473034          624/G01             F          428,000.00         ZZ
                                         360        427,631.50          1
                                       6.750          2,776.00         75
                                       6.500          2,776.00
    STOCKTON         CA   95219          2            11/14/01         00
    0433425881                           05           01/01/02          0
    29034712686F                         O            12/01/31
    0

    6473146          A06/G01             F          320,000.00         ZZ
                                         360        319,724.49          1
                                       6.750          2,075.51         69
                                       6.500          2,075.51
    WEST BLOOMFIELD  MI   48322          5            11/14/01         00
    0433498763                           05           01/01/02          0
    1000020149900                        O            12/01/31
    0

    6474080          757/G01             F          500,000.00         ZZ
                                         360        499,579.93          1
                                       6.875          3,284.65         55
                                       6.625          3,284.65
    BELMONT          MA   02478          2            11/19/01         00
    0433436813                           05           01/01/02          0
    1000472025                           O            12/01/31
    0

    6474454          N47/G01             F          523,600.00         ZZ
                                         360        523,126.66          1
                                       6.500          3,309.51         80
                                       6.250          3,309.51
    OAKLAND          CA   94610          1            11/20/01         00
    0433446440                           03           01/01/02          0
    20212053                             O            12/01/31
    0

    6478146          A06/G01             F          622,500.00         ZZ
                                         360        621,989.74          1
                                       7.000          4,141.51         75
                                       6.750          4,141.51
    BLOOMFIELD HILL  MI   48301          2            11/15/01         00
    0433448115                           05           01/01/02          0
    001000010013070                      O            12/01/31
    0

1

    6480140          E11/G01             F          348,700.00         ZZ
                                         360        348,399.78          1
                                       6.750          2,261.66         75
                                       6.500          2,261.66
    MINNETONKA       MN   55345          5            11/19/01         00
    0433435088                           05           01/01/02          0
    0003001037452                        O            12/01/31
    0

    6484530          644/G01             F          332,000.00         ZZ
                                         360        331,707.09          1
                                       6.625          2,125.83         58
                                       6.375          2,125.83
    OLYMPIA          WA   98516          5            11/19/01         00
    0433413770                           05           01/01/02          0
    48003916                             O            12/01/31
    0

    6486600          964/G01             F          392,350.00         ZZ
                                         360        392,012.19          1
                                       6.750          2,544.78         80
                                       6.500          2,544.78
    HOLLISTER        CA   95023          1            11/27/01         00
    0433492857                           05           01/01/02          0
    170962                               O            12/01/31
    0

    6487734          N47/G01             F          433,000.00         ZZ
                                         360        432,608.57          1
                                       6.500          2,736.85         80
                                       6.250          2,736.85
    BERKELEY         CA   94707          2            11/19/01         00
    0433488764                           05           01/01/02          0
    20212040                             O            12/01/31
    0

    6489866          P60/G01             F          619,500.00         ZZ
                                         360        618,979.55          1
                                       6.875          4,069.67         74
                                       6.625          4,069.67
    NORTHVILLE TWP   MI   48167          2            11/16/01         00
    0433471042                           05           01/01/02          0
    6100064619                           O            12/01/31
    0

    6490492          757/G01             F          319,000.00         ZZ
                                         360        319,000.00          1
                                       6.750          2,069.03         64
                                       6.500          2,069.03
1

    LUTHERVILLE      MD   21093          2            12/07/01         00
    0433498433                           05           02/01/02          0
    100050969                            O            01/01/32
    0

    6492242          R65/G01             F          399,950.00         ZZ
                                         360        399,950.00          1
                                       6.500          2,527.96         54
                                       6.250          2,527.96
    VIENNA           VA   22181          1            12/07/01         00
    0433436573                           05           02/01/02          0
    20016066                             O            01/01/32
    0

    6493678          E11/G01             F          360,000.00         ZZ
                                         360        359,682.38          1
                                       6.625          2,305.12         54
                                       6.375          2,305.12
    EDEN PRAIRIE     MN   55347          5            11/19/01         00
    0433421310                           05           01/01/02          0
    5719833                              O            12/01/31
    0

    6494688          N47/G01             F          403,000.00         ZZ
                                         360        402,653.03          1
                                       6.750          2,613.85         83
                                       6.500          2,613.85
    SAN DIEGO        CA   92131          2            11/26/01         04
    0433488277                           05           01/01/02         12
    30112532                             O            12/01/31
    0

    6496598          757/G01             F          340,000.00         ZZ
                                         360        339,714.36          1
                                       6.875          2,233.56         74
                                       6.625          2,233.56
    POTOMAC          MD   20854          2            11/28/01         00
    0433436870                           03           01/01/02          0
    1000497949                           O            12/01/31
    0

    6497596          R65/G01             F          323,000.00         ZZ
                                         360        322,721.91          1
                                       6.750          2,094.97         54
                                       6.500          2,094.97
    CABIN JOHN       MD   20818          2            11/19/01         00
    0433424868                           05           01/01/02          0
    25020265                             O            12/01/31
    0
1

    6499984          N47/G01             F          393,000.00         ZZ
                                         360        392,669.83          1
                                       6.875          2,581.73         54
                                       6.625          2,581.73
    LOS GATOS        CA   95032          5            11/12/01         00
    0433446481                           05           01/01/02          0
    20112142                             O            12/01/31
    0

    6500312          P09/G01             F          317,500.00         ZZ
                                         360        317,500.00          1
                                       6.990          2,110.20         73
                                       6.740          2,110.20
    ASHBURN          VA   20147          5            11/30/01         00
    0433479276                           05           02/01/02          0
    R0110404                             O            01/01/32
    0

    6500718          405/405             F          594,750.00         ZZ
                                         360        592,782.81          1
                                       7.000          3,956.89         75
                                       6.500          3,956.89
    MIDLOTHIAN       VA   23113          1            08/31/01         00
    12370326                             03           10/01/01          0
    12370326                             O            09/01/31
    0

    6501768          R65/G01             F          306,000.00         ZZ
                                         360        305,716.59          1
                                       6.375          1,909.04         58
                                       6.125          1,909.04
    PACIFICA         CA   94044          5            11/21/01         00
    0433494804                           05           01/01/02          0
    20015735                             O            12/01/31
    0

    6503316          P67/G01             F          603,000.00         ZZ
                                         360        602,480.83          1
                                       6.750          3,911.05         68
                                       6.500          3,911.05
    NEWTON           MA   02459          2            11/23/01         00
    0433393667                           05           01/01/02          0
    6503316                              O            12/01/31
    0

    6506804          893/G01             F          376,000.00         T
                                         360        376,000.00          1
1

                                       7.125          2,533.18         80
                                       6.875          2,533.18
    SANTA CRUZ       CA   95062          2            12/19/01         00
    0433526498                           05           02/01/02          0
    M11031071                            O            01/01/32
    0

    6509122          964/G01             F          399,000.00         ZZ
                                         360        398,664.79          1
                                       6.875          2,621.15         79
                                       6.625          2,621.15
    SUNNYVALE        CA   94086          2            11/27/01         00
    0433489788                           05           01/01/02          0
    400160836                            O            12/01/31
    0

    6509724          E60/G01             F          395,500.00         ZZ
                                         360        395,183.72          1
                                       7.125          2,664.56         80
                                       6.875          2,664.56
    HUNTINGTON BEAC  CA   92648          1            11/16/01         00
    0433440872                           05           01/01/02          0
    521845                               O            12/01/31
    0

    6511656          893/G01             F          520,000.00         ZZ
                                         360        520,000.00          1
                                       6.875          3,416.03         80
                                       6.625          3,416.03
    SUNNYVALE        CA   94087          1            12/14/01         00
    0433539590                           05           02/01/02          0
    M11115011                            O            01/01/32
    0

    6512060          356/G01             F        1,000,000.00         ZZ
                                         360        999,159.88          1
                                       6.875          6,569.29         33
                                       6.625          6,569.29
    ATHERTON         CA   94027          5            11/16/01         00
    0433469301                           05           01/01/02          0
    3096                                 O            12/01/31
    0

    6512186          964/G01             F          304,000.00         ZZ
                                         360        303,750.81          1
                                       7.000          2,022.52         80
                                       6.750          2,022.52
    NOVATO           CA   94947          1            11/26/01         00
    0433445350                           05           01/01/02          0
1

    157335                               O            12/01/31
    0

    6512280          356/G01             F          350,000.00         ZZ
                                         360        349,691.20          1
                                       6.625          2,241.09         40
                                       6.375          2,241.09
    FREMONT          CA   94539          5            11/23/01         00
    0433487576                           05           01/01/02          0
    3072                                 O            12/01/31
    0

    6514086          E22/G01             F          350,000.00         ZZ
                                         360        349,713.11          1
                                       7.000          2,328.56         54
                                       6.750          2,328.56
    BOULDER          CO   80304          2            11/05/01         00
    0413191735                           05           01/01/02          0
    0413191735                           O            12/01/31
    0

    6514134          E22/G01             F          331,000.00         ZZ
                                         360        330,721.92          1
                                       6.875          2,174.43         51
                                       6.625          2,174.43
    HOUSTON          TX   77024          5            11/06/01         00
    0413208562                           03           01/01/02          0
    0413208562                           O            12/01/31
    0

    6514182          E22/G01             F          252,000.00         ZZ
                                         360        251,793.44          1
                                       7.000          1,676.56         63
                                       6.750          1,676.56
    TERRELL          TX   75160          5            11/06/01         00
    0413228222                           05           01/01/02          0
    0413228222                           O            12/01/31
    0

    6514194          E22/G01             F          283,000.00         ZZ
                                         360        282,511.30          1
                                       6.750          1,835.53         57
                                       6.500          1,835.53
    CHARLOTTE        NC   28203          2            11/02/01         00
    0413232174                           05           12/01/01          0
    0413232174                           O            11/01/31
    0

1

    6514834          E33/G01             F          650,000.00         ZZ
                                         360        649,440.36          1
                                       6.750          4,215.89         44
                                       6.500          4,215.89
    LAKE FOREST      IL   60045          2            11/05/01         00
    0433498417                           05           01/01/02          0
    TSARWHAS                             O            12/01/31
    0

    6515334          757/G01             F          433,000.00         ZZ
                                         360        432,627.20          1
                                       6.750          2,808.43         76
                                       6.500          2,808.43
    ROSWELL          GA   30075          2            11/27/01         00
    0433494788                           03           01/01/02          0
    1HAGARTIM                            O            12/01/31
    0

    6516170          994/X14             F          490,000.00         ZZ
                                         360        488,691.42          1
                                       7.000          3,259.99         45
                                       6.750          3,259.99
    NANTUCKET        MA   02554          5            10/03/01         00
    1000309193                           05           12/01/01          0
    1000309193                           O            11/01/31
    0

    6517288          A39/G01             F          349,600.00         ZZ
                                         360        349,299.00          1
                                       6.750          2,267.50         52
                                       6.500          2,267.50
    WOODLAND HILLS   CA   91367          2            11/15/01         00
    0433466018                           03           01/01/02          0
    2102382RFC                           O            12/01/31
    0

    6518814          994/X14             F          616,500.00         ZZ
                                         360        615,461.15          1
                                       6.875          4,049.97         40
                                       6.625          4,049.97
    WASHINGTON       DC   20008          2            10/02/01         00
    218791402                            05           12/01/01          0
    218791402                            O            11/01/31
    0

    6519824          L94/G01             F          399,600.00         ZZ
                                         360        399,255.95          1
                                       6.750          2,591.80         80
                                       6.500          2,591.80
1

    PARK CITY        UT   84098          1            11/14/01         00
    0433392552                           05           01/01/02          0
    1000006413                           O            12/01/31
    0

    6520530          994/X14             F          649,900.00         ZZ
                                         360        648,857.48          1
                                       7.125          4,378.50         65
                                       6.875          4,378.50
    BOTHELL          WA   98012          2            10/03/01         00
    218860553                            03           12/01/01          0
    218860553                            O            11/01/31
    0

    6521254          994/X14             F          564,000.00         ZZ
                                         360        562,704.59          1
                                       7.375          3,895.41         80
                                       7.125          3,895.41
    WINCHESTER       MA   01890          1            09/25/01         00
    1000291652                           05           11/01/01          0
    1000291652                           O            10/01/31
    0

    6521498          R65/G01             F          370,000.00         ZZ
                                         360        369,681.44          1
                                       6.750          2,399.81         74
                                       6.500          2,399.81
    VALPARAISO       IN   46383          2            11/21/01         00
    0433448024                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6522146          994/X14             F          407,000.00         ZZ
                                         360        405,574.76          1
                                       6.750          2,639.79         80
                                       6.500          2,639.79
    SAN ANTONIO      TX   78258          2            10/12/01         00
    403831230                            03           12/01/01          0
    403831230                            O            11/01/31
    0

    6522520          994/X14             F          392,000.00         ZZ
                                         360        391,401.60          1
                                       7.375          2,707.45         80
                                       7.125          2,707.45
    SAN ANTONIO      TX   78209          2            10/05/01         00
    404006378                            05           12/01/01          0
    404006378                            O            11/01/31
    0
1

    6523154          994/X14             F          336,000.00         ZZ
                                         360        335,419.79          1
                                       6.750          2,179.29         77
                                       6.500          2,179.29
    PINEHURST        NC   28374          2            10/16/01         00
    403964440                            05           12/01/01          0
    403964440                            O            11/01/31
    0

    6523322          E44/G01             F          380,000.00         ZZ
                                         360        379,664.74          1
                                       6.625          2,433.18         80
                                       6.375          2,433.18
    OREM             UT   84058          2            11/19/01         00
    0433415619                           03           01/01/02          0
    45010442                             O            12/01/31
    0

    6523508          994/X14             F          499,000.00         ZZ
                                         360        497,853.89          1
                                       7.375          3,446.47         80
                                       7.125          3,446.47
    BROOKLYN         NY   11234          1            10/01/01         00
    80999197                             05           11/01/01          0
    80999197                             O            10/01/31
    0

    6524526          757/G01             F          370,000.00         ZZ
                                         360        370,000.00          1
                                       6.875          2,430.64         65
                                       6.625          2,430.64
    WINCHESTER       MA   01890          2            11/28/01         00
    0433506979                           05           02/01/02          0
    1                                    O            01/01/32
    0

    6525194          B57/G01             F          450,000.00         ZZ
                                         360        449,621.95          1
                                       6.875          2,956.18         79
                                       6.625          2,956.18
    SHERMAN OAKS     CA   91423          2            11/19/01         00
    0433437068                           05           01/01/02          0
    2118907                              O            12/01/31
    0

    6525316          994/X14             F          380,000.00         ZZ
                                         360        379,359.67          1
1

                                       6.875          2,496.33         72
                                       6.625          2,496.33
    YORBA LINDA      CA   92886          1            10/03/01         00
    218867913                            05           12/01/01          0
    218867913                            O            11/01/31
    0

    6525944          N47/G01             F          424,000.00         ZZ
                                         360        424,000.00          1
                                       6.625          2,714.92         65
                                       6.375          2,714.92
    KENSINGTON       CA   94707          2            12/05/01         00
    0433504297                           05           02/01/02          0
    20212154                             O            01/01/32
    0

    6525996          994/X14             F          512,000.00         ZZ
                                         360        510,286.82          1
                                       7.375          3,536.26         80
                                       7.125          3,536.26
    HADDONFIELD      NJ   08033          1            09/21/01         00
    1000292907                           05           11/01/01          0
    1000292907                           O            10/01/31
    0

    6526420          964/G01             F          600,000.00         ZZ
                                         360        599,495.92          1
                                       6.875          3,941.58         79
                                       6.625          3,941.58
    SCOTTSDALE       AZ   85262          2            11/29/01         00
    0433501525                           03           01/01/02          0
    158202                               O            12/01/31
    0

    6526808          G51/G01             F          335,000.00         ZZ
                                         360        335,000.00          1
                                       6.500          2,117.43         59
                                       6.250          2,117.43
    DENVER           CO   80209          5            11/28/01         00
    0433486016                           05           02/01/02          0
    1                                    O            01/01/32
    0

    6527254          964/G01             F          558,500.00         ZZ
                                         360        558,042.21          1
                                       7.000          3,715.71         78
                                       6.750          3,715.71
    FOLSOM           CA   95630          2            11/16/01         00
    0433462421                           05           01/01/02          0
1

    158611                               O            12/01/31
    0

    6529254          956/G01             F          372,500.00         ZZ
                                         360        371,856.76          1
                                       6.750          2,416.03         58
                                       6.500          2,416.03
    MAPLE LAKE       MN   55358          2            11/05/01         00
    0433367513                           05           12/01/01          0
    3511100196                           O            11/01/31
    0

    6529388          696/G01             F          386,000.00         ZZ
                                         360        385,683.60          1
                                       7.000          2,568.07         44
                                       6.750          2,568.07
    MCLEAN           VA   22101          2            11/09/01         00
    0433358140                           05           01/01/02          0
    22301182                             O            12/01/31
    0

    6531142          994/X14             F          340,000.00         ZZ
                                         360        339,427.08          1
                                       6.875          2,233.56         72
                                       6.625          2,233.56
    ATLANTA          GA   30306          5            10/22/01         00
    403669486                            05           12/01/01          0
    403669486                            O            11/01/31
    0

    6531496          B57/G01             F          388,000.00         ZZ
                                         360        387,674.04          1
                                       6.875          2,548.88         78
                                       6.625          2,548.88
    LOS ANGELES      CA   90019          2            11/16/01         00
    0433449139                           05           01/01/02          0
    2118180                              O            12/01/31
    0

    6531978          994/X14             F          326,400.00         ZZ
                                         360        325,836.38          1
                                       6.750          2,117.02         80
                                       6.500          2,117.02
    MURFREESBORO     TN   37129          2            10/25/01         00
    81118621                             05           12/01/01          0
    81118621                             O            11/01/31
    0

1

    6534968          758/G01             F          200,000.00         ZZ
                                         360        199,831.97          1
                                       6.875          1,313.86         73
                                       6.625          1,313.86
    DALLAS           TX   75231          5            11/14/01         00
    0433520137                           05           01/01/02          0
    400925                               O            12/01/31
    0

    6535236          964/G01             F          366,500.00         ZZ
                                         360        366,184.45          1
                                       6.750          2,377.11         52
                                       6.500          2,377.11
    LOS GATOS        CA   95032          2            11/21/01         00
    0433495108                           05           01/01/02          0
    161394                               O            12/01/31
    0

    6536348          964/G01             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       7.000          2,128.97         80
                                       6.750          2,128.97
    CONCORD          CA   94521          1            12/11/01         00
    0433548484                           05           02/01/02          0
    400172422                            O            01/01/32
    0

    6536382          964/G01             F          300,000.00         ZZ
                                         360        299,735.32          1
                                       6.625          1,920.93         80
                                       6.375          1,920.93
    RENO             NV   89509          5            11/21/01         00
    0433511714                           05           01/01/02          0
    167866                               O            12/01/31
    0

    6536550          964/G01             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.750          2,724.11         63
                                       6.500          2,724.11
    SAN JOSE         CA   95120          2            12/05/01         00
    0433491339                           05           02/01/02          0
    400168865                            O            01/01/32
    0

    6536730          964/G01             F          365,000.00         ZZ
                                         360        365,000.00          1
                                       6.625          2,337.14         67
                                       6.375          2,337.14
1

    NOVATO           CA   94947          5            12/04/01         00
    0433487774                           05           02/01/02          0
    400172005                            O            01/01/32
    0

    6540558          E44/G01             F          400,000.00         ZZ
                                         360        399,655.61          1
                                       6.750          2,594.39         45
                                       6.500          2,594.39
    HEBER CITY       UT   84032          2            11/13/01         00
    0433405727                           05           01/01/02          0
    47010116                             O            12/01/31
    0

    6542648          S11/G01             F          431,200.00         ZZ
                                         240        430,333.86          1
                                       6.625          3,246.72         44
                                       6.375          3,246.72
    SAN CLEMENTE     CA   92672          5            11/20/01         00
    0433449261                           05           01/01/02          0
    10205675                             O            12/01/21
    0

    6544574          E22/G01             F          250,000.00         ZZ
                                         360        249,774.00          1
                                       6.500          1,580.17         56
                                       6.250          1,580.17
    ARVADA           CO   80007          1            11/14/01         00
    0413228503                           05           01/01/02          0
    0413228503                           O            12/01/31
    0

    6544670          E22/G01             F          551,000.00         ZZ
                                         360        550,513.87          1
                                       6.625          3,528.11         78
                                       6.375          3,528.11
    DAVIDSON         NC   28036          2            11/08/01         00
    0413285891                           03           01/01/02          0
    0413285891                           O            12/01/31
    0

    6544932          U80/U80             F          407,500.00         ZZ
                                         360        407,500.00          1
                                       6.875          2,676.98         80
                                       6.625          2,676.98
    SUMMERVILLE      SC   29483          2            12/13/01         00
    10004772                             05           02/01/02          0
    10004772                             O            01/01/32
    0
1

    6545300          994/994             F          608,000.00         ZZ
                                         360        606,947.93          1
                                       7.250          4,147.63         80
                                       7.000          4,147.63
    SCOTTSDALE       AZ   85259          1            10/09/01         00
    218914954                            03           12/01/01          0
    218914954                            O            11/01/31
    0

    6545644          994/X14             F          400,000.00         ZZ
                                         360        398,740.58          1
                                       7.000          2,661.21         75
                                       6.750          2,661.21
    LOUISVILLE       KY   40245          5            10/26/01         00
    403981889                            03           12/01/01          0
    403981889                            O            11/01/31
    0

    6546126          994/X14             F          307,000.00         ZZ
                                         360        306,518.57          1
                                       7.250          2,094.28         76
                                       7.000          2,094.28
    WESTCHESTER      PA   19380          2            10/19/01         00
    218825218                            05           12/01/01          0
    218825218                            O            11/01/31
    0

    6546250          994/X14             F          552,600.00         ZZ
                                         360        551,568.84          1
                                       6.875          3,630.19         66
                                       6.625          3,630.19
    RIVER HILLS      WI   53217          5            10/24/01         00
    404223520                            05           12/01/01          0
    404223520                            O            11/01/31
    0

    6546374          624/G01             F          200,000.00         ZZ
                                         360        199,827.80          1
                                       6.750          1,297.20         62
                                       6.500          1,297.20
    NIPOMO           CA   93444          1            11/19/01         00
    0433425857                           05           01/01/02          0
    72005010203F                         O            12/01/31
    0

    6546424          994/X14             F          316,000.00         ZZ
                                         360        315,480.43          1
1

                                       7.000          2,102.36         80
                                       6.750          2,102.36
    SALEM            NH   03079          1            10/18/01         00
    1000298447                           05           12/01/01          0
    1000298447                           O            11/01/31
    0

    6548152          994/X14             F          500,000.00         ZZ
                                         360        499,136.60          1
                                       6.750          3,242.99         66
                                       6.500          3,242.99
    CHARLOTTE        NC   28207          5            10/18/01         00
    404227607                            05           12/01/01          0
    404227607                            O            11/01/31
    0

    6549338          E11/G01             F          364,000.00         ZZ
                                         360        363,678.85          1
                                       6.625          2,330.73         70
                                       6.375          2,330.73
    SPRING PARK      MN   55384          5            11/26/01         00
    0433440526                           05           01/01/02          0
    0003001038001                        O            12/01/31
    0

    6549640          X19/G01             F          250,000.00         ZZ
                                         360        249,800.08          1
                                       7.125          1,684.30         56
                                       6.875          1,684.30
    CORTLANDT MANOR  NY   10567          5            11/21/01         00
    0433461829                           05           01/01/02          0
    21101504                             O            12/01/31
    0

    6549668          994/X14             F          316,500.00         ZZ
                                         360        315,943.39          1
                                       6.750          2,052.82         80
                                       6.500          2,052.82
    GORE SPRINGS     MS   38929          2            10/22/01         00
    81117839                             05           12/01/01          0
    81117839                             O            11/01/31
    0

    6550160          994/X14             F          360,000.00         ZZ
                                         360        359,408.10          1
                                       7.000          2,395.09         60
                                       6.750          2,395.09
    SACO             ME   04072          5            10/15/01         00
    1000321222                           05           12/01/01          0
1

    1000321222                           O            11/01/31
    0

    6550816          964/G01             F          335,400.00         ZZ
                                         360        335,400.00          1
                                       7.000          2,231.43         77
                                       6.750          2,231.43
    DUBLIN           CA   94568          2            12/12/01         00
    0433522646                           05           02/01/02          0
    400167408                            O            01/01/32
    0

    6552660          994/X14             F          600,000.00         ZZ
                                         360        598,515.92          1
                                       7.000          3,991.82         73
                                       6.750          3,991.82
    WELLSELY         MA   02482          1            09/21/01         00
    1000317862                           05           11/01/01          0
    1000317862                           O            10/01/31
    0

    6552698          757/G01             F          525,000.00         ZZ
                                         360        525,000.00          1
                                       7.000          3,492.84         80
                                       6.750          3,492.84
    WESTPORT         CT   06880          2            11/28/01         00
    0433453859                           05           02/01/02          0
    2KAIROUZJOSE                         O            01/01/32
    0

    6553406          624/G01             F          365,000.00         ZZ
                                         360        364,685.75          1
                                       6.750          2,367.38         54
                                       6.500          2,367.38
    FREMONT          CA   94538          2            11/09/01         00
    0433435062                           03           01/01/02          0
    66502710456F                         O            12/01/31
    0

    6553446          830/G01             F          300,000.00         ZZ
                                         360        299,747.96          1
                                       6.875          1,970.79         79
                                       6.625          1,970.79
    BOUNTIFUL        UT   84010          5            11/21/01         00
    0433526225                           05           01/01/02          0
    SIMONSEN546337                       O            12/01/31
    0

1

    6553740          N47/G01             F          388,000.00         ZZ
                                         360        387,657.67          1
                                       6.625          2,484.41         77
                                       6.375          2,484.41
    FOOTHILL RANCH   CA   92610          2            12/20/01         00
    0433444254                           03           01/01/02          0
    30112434                             O            12/01/31
    0

    6554036          994/X14             F          386,250.00         ZZ
                                         360        385,614.95          1
                                       7.000          2,569.73         75
                                       6.750          2,569.73
    DENVER           CO   80231          5            10/25/01         00
    403837166                            05           12/01/01          0
    403837166                            O            11/01/31
    0

    6554172          Q59/G01             F          390,000.00         ZZ
                                         360        389,695.76          1
                                       7.250          2,660.49         65
                                       7.000          2,660.49
    GLENDALE         CA   91206          5            11/27/01         00
    0433442324                           05           01/01/02          0
    304459                               O            12/01/31
    0

    6554622          994/X14             F          314,400.00         ZZ
                                         360        313,895.65          1
                                       7.125          2,118.18         80
                                       6.875          2,118.18
    BEVERLY          MA   01915          2            10/10/01         00
    1000272421                           01           12/01/01          0
    1000272421                           O            11/01/31
    0

    6554636          E76/G01             F          397,000.00         ZZ
                                         360        396,649.74          1
                                       6.625          2,542.03         67
                                       6.375          2,542.03
    COLORADO SPRING  CO   80906          5            11/19/01         00
    0433438637                           03           01/01/02          0
    10009692                             O            12/01/31
    0

    6555158          994/X14             F          400,000.00         ZZ
                                         360        398,387.44          1
                                       6.750          2,594.40         56
                                       6.500          2,594.40
1

    CORAL SPRINGS    FL   33071          2            10/25/01         00
    404236863                            01           12/01/01          0
    404236863                            O            11/01/31
    0

    6555458          714/G01             F          325,000.00         ZZ
                                         360        324,720.19          1
                                       6.750          2,107.94         80
                                       6.500          2,107.94
    RICHFIELD        WI   53076          2            11/13/01         00
    0433387842                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6555888          994/X14             F          468,000.00         ZZ
                                         360        466,898.13          1
                                       7.250          3,192.58         80
                                       7.000          3,192.58
    GALLATIN GATEWA  MT   59730          1            09/18/01         00
    80998994                             05           11/01/01          0
    80998994                             O            10/01/31
    0

    6555896          Q51/G01             F          320,000.00         ZZ
                                         360        319,731.16          1
                                       6.875          2,102.17         63
                                       6.625          2,102.17
    SAN DIEGO        CA   92127          2            11/15/01         00
    0433443934                           03           01/01/02          0
    0508441R1110599                      O            12/01/31
    0

    6556072          714/G01             F          450,000.00         ZZ
                                         360        449,241.73          1
                                       6.875          2,956.18         63
                                       6.625          2,956.18
    MEQUON           WI   53092          5            10/15/01         00
    0433440625                           05           12/01/01          0
    1                                    O            11/01/31
    0

    6557338          W40/G01             F          345,200.00         ZZ
                                         360        344,641.75          1
                                       6.750          2,238.96         54
                                       6.500          2,238.96
    WEST BLOOMFIELD  MI   48324          2            11/15/01         00
    0433406881                           05           01/01/02          0
    101001850                            O            12/01/31
    0
1

    6557752          964/G01             F          336,000.00         ZZ
                                         360        335,710.71          1
                                       6.750          2,179.29         63
                                       6.500          2,179.29
    MILLBRAE         CA   94030          2            11/27/01         00
    0433502549                           05           01/01/02          0
    166555                               O            12/01/31
    0

    6558198          944/G01             F          373,000.00         ZZ
                                         360        372,670.91          1
                                       6.625          2,388.36         68
                                       6.375          2,388.36
    AURORA           CO   80016          2            11/30/01         00
    0433508371                           03           01/01/02          0
    W01104787                            O            12/01/31
    0

    6558246          N47/G01             F          650,000.00         ZZ
                                         360        649,426.52          1
                                       6.625          4,162.02         69
                                       6.375          4,162.02
    DANVILLE         CA   94506          1            11/21/01         00
    0433448396                           03           01/01/02          0
    20212109                             O            12/01/31
    0

    6558272          E44/G01             F          334,400.00         ZZ
                                         360        334,112.09          1
                                       6.750          2,168.91         80
                                       6.500          2,168.91
    WEST HAVEN       UT   84315          2            11/26/01         00
    0433450921                           05           01/01/02          0
    58010160                             O            12/01/31
    0

    6559570          S43/G01             F          398,250.00         ZZ
                                         360        397,915.42          1
                                       6.875          2,616.22         45
                                       6.625          2,616.22
    SANTA FE         NM   87506          2            11/21/01         00
    0433406956                           03           01/01/02          0
    011718                               O            12/01/31
    0

    6559864          975/G01             F          470,000.00         ZZ
                                         360        469,605.14          1
1

                                       6.875          3,087.57         70
                                       6.625          3,087.57
    BELMONT          CA   94002          2            11/01/01         00
    0433476272                           05           01/01/02          0
    2015270                              O            12/01/31
    0

    6560422          B57/G01             F          350,000.00         ZZ
                                         360        349,705.96          1
                                       6.875          2,299.25         61
                                       6.625          2,299.25
    GRANADA HILLS    CA   91344          2            11/20/01         00
    0433449337                           29           01/01/02          0
    2160341                              O            12/01/31
    0

    6560712          Q73/G01             F          332,000.00         ZZ
                                         360        331,699.86          1
                                       6.500          2,098.47         90
                                       6.250          2,098.47
    MADISON          MS   39110          2            12/03/01         11
    0433500279                           05           01/01/02         30
    2880134                              O            12/01/31
    0

    6561800          M37/G01             F          298,400.00         ZZ
                                         360        298,149.30          1
                                       6.875          1,960.28         80
                                       6.625          1,960.28
    LARKSPUR         CO   80118          1            11/27/01         00
    0433471240                           03           01/01/02          0
    10005010000604                       O            12/01/31
    0

    6562022          757/G01             F          394,000.00         ZZ
                                         360        394,000.00          1
                                       6.875          2,588.30         80
                                       6.625          2,588.30
    BEVERLY HILLS    MI   48025          2            12/03/01         00
    0433504826                           05           02/01/02          0
    4KEMPERMICH                          O            01/01/32
    0

    6562024          B57/G01             F          476,000.00         ZZ
                                         360        475,580.04          1
                                       6.625          3,047.88         59
                                       6.375          3,047.88
    GLENDALE         CA   91207          5            11/20/01         00
    0433456068                           05           01/01/02          0
1

    2117330                              O            12/01/31
    0

    6563168          M29/G01             F          330,400.00         ZZ
                                         360        330,122.43          1
                                       6.875          2,170.49         80
                                       6.625          2,170.49
    LITTLETON        CO   80127          1            11/21/01         00
    0433494770                           03           01/01/02          0
    010944                               O            12/01/31
    0

    6565264          E22/G01             F          390,900.00         ZZ
                                         360        390,546.63          1
                                       6.500          2,470.75         78
                                       6.250          2,470.75
    KELLER           TX   76248          2            11/08/01         00
    0413195843                           05           01/01/02          0
    0413195843                           O            12/01/31
    0

    6565298          E22/G01             F          380,000.00         ZZ
                                         360        379,680.75          1
                                       6.875          2,496.33         54
                                       6.625          2,496.33
    RIVER FOREST     IL   60305          5            11/09/01         00
    0413219676                           05           01/01/02          0
    0413219676                           O            12/01/31
    0

    6565360          E22/G01             F          440,000.00         ZZ
                                         360        439,582.51          1
                                       6.250          2,709.16         58
                                       6.000          2,709.16
    SEATTLE          WA   98112          5            11/05/01         00
    0413249848                           05           01/01/02          0
    0413249848                           O            12/01/31
    0

    6565390          E22/G01             F          490,000.00         ZZ
                                         360        489,546.17          1
                                       6.375          3,056.96         74
                                       6.125          3,056.96
    SEATTLE          WA   98102          2            11/05/01         00
    0413264060                           05           01/01/02          0
    0413264060                           O            12/01/31
    0

1

    6565980          E82/G01             F          208,500.00         ZZ
                                         360        208,324.83          1
                                       6.875          1,369.70         44
                                       6.625          1,369.70
    LITTLE NECK      NY   11362          2            11/12/01         00
    0400484374                           05           01/01/02          0
    1974364                              O            12/01/31
    0

    6566636          B57/G01             F          325,000.00         ZZ
                                         360        324,713.26          1
                                       6.625          2,081.01         74
                                       6.375          2,081.01
    LOS ANGELES      CA   91344          2            11/19/01         00
    0433429651                           29           01/01/02          0
    2118486                              O            12/01/31
    0

    6568210          G51/G01             F          504,000.00         ZZ
                                         360        503,555.33          1
                                       6.625          3,227.17         73
                                       6.375          3,227.17
    LOUISVILLE       CO   80027          2            12/03/01         00
    0433441623                           03           01/01/02          0
    524800714                            O            12/01/31
    0

    6570884          B57/G01             F          360,500.00         ZZ
                                         360        360,181.63          1
                                       6.620          2,307.13         49
                                       6.370          2,307.13
    STUDIO CITY ARE  CA   91604          2            11/20/01         00
    0433494655                           05           01/01/02          0
    034200000045934                      O            12/01/31
    0

    6571392          B57/G01             F          399,950.00         ZZ
                                         360        399,622.16          1
                                       7.000          2,660.88         54
                                       6.750          2,660.88
    DANA POINT       CA   92629          2            11/26/01         00
    0433481082                           29           01/01/02          0
    2118929                              O            12/01/31
    0

    6572174          A39/G01             F          565,000.00         ZZ
                                         360        565,000.00          1
                                       6.625          3,617.76         65
                                       6.375          3,617.76
1

    OAK PARK         CA   91377          2            12/02/01         00
    0433487311                           03           02/01/02          0
    2102266RFC                           O            01/01/32
    0

    6574040          N47/G01             F          382,000.00         ZZ
                                         360        381,654.67          1
                                       6.500          2,414.50         55
                                       6.250          2,414.50
    BERKELEY         CA   94707          2            11/21/01         00
    0433488954                           05           01/01/02          0
    20212041                             O            12/01/31
    0

    6574554          477/G01             F          299,000.00         ZZ
                                         360        298,742.57          1
                                       6.750          1,939.31         48
                                       6.500          1,939.31
    LAGUNA NIGUEL    CA   92677          5            11/09/01         00
    0433504248                           09           01/01/02          0
    114201                               O            12/01/31
    0

    6575280          227/G01             F          387,554.00         ZZ
                                         360        386,900.94          1
                                       6.875          2,545.96         80
                                       6.625          2,545.96
    KINGSTOWNE       VA   22315          1            10/31/01         00
    0433549698                           03           12/01/01          0
    1938423                              O            11/01/31
    0

    6575776          R84/G01             F          596,000.00         T
                                         360        595,474.17          1
                                       6.625          3,816.26         61
                                       6.375          3,816.26
    BRECKENRIDGE     CO   80424          2            11/26/01         00
    0433445228                           09           01/01/02          0
    0511957                              O            12/01/31
    0

    6577048          757/G01             F          347,000.00         ZZ
                                         360        346,701.24          1
                                       6.750          2,250.64         64
                                       6.500          2,250.64
    MILLEDGEVILLE    GA   31061          2            11/26/01         00
    0433445129                           05           01/01/02          0
    1000471316                           O            12/01/31
    0
1

    6577374          757/G01             F          341,250.00         ZZ
                                         360        340,963.31          1
                                       6.875          2,241.77         75
                                       6.625          2,241.77
    ELLICOTT CITY    MD   21042          5            11/30/01         00
    0433436854                           05           01/01/02          0
    1000499374                           O            12/01/31
    0

    6578240          X19/G01             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       7.000          2,661.21         74
                                       6.750          2,661.21
    KATONAH          NY   10536          5            11/30/01         00
    0433422698                           05           02/01/02          0
    21102303                             O            01/01/32
    0

    6578482          956/G01             F          312,000.00         ZZ
                                         360        311,731.37          1
                                       6.750          2,023.63         60
                                       6.500          2,023.63
    CLEARWATER       FL   33756          2            11/08/01         00
    0433393147                           05           01/01/02          0
    4111100152                           O            12/01/31
    0

    6578586          757/G01             F          345,000.00         ZZ
                                         360        344,688.11          1
                                       6.500          2,180.64         77
                                       6.250          2,180.64
    LORTON           VA   22079          2            11/30/01         00
    0433499951                           03           01/01/02          0
    5MOONSUR                             O            12/01/31
    0

    6579230          W53/G01             F          397,500.00         ZZ
                                         360        396,830.17          1
                                       6.875          2,611.30         75
                                       6.625          2,611.30
    PALM HARBOR      FL   34685          2            10/26/01         00
    0433391521                           03           12/01/01          0
    1302000038                           O            11/01/31
    0

    6579682          W53/G01             F          354,000.00         ZZ
                                         360        353,417.97          1
1

                                       7.000          2,355.17         80
                                       6.750          2,355.17
    TAMPA            FL   33626          2            10/11/01         00
    0433419454                           03           12/01/01          0
    7601410373                           O            11/01/31
    0

    6580320          313/G01             F          383,000.00         ZZ
                                         360        382,653.75          1
                                       6.500          2,420.83         70
                                       6.250          2,420.83
    TEMPE            AZ   85283          2            11/20/01         00
    0433456639                           03           01/01/02          0
    84664703                             O            12/01/31
    0

    6580460          F25/G01             F          634,000.00         ZZ
                                         360        634,000.00          1
                                       6.750          4,112.11         48
                                       6.500          4,112.11
    COS COB          CT   06807          2            11/29/01         00
    0433418613                           05           02/01/02          0
    1                                    O            01/01/32
    0

    6581092          696/G01             F        1,000,000.00         ZZ
                                         360        999,159.88          1
                                       6.875          6,569.29         32
                                       6.625          6,569.29
    GREAT FALLS      VA   22066          2            11/13/01         00
    0433395688                           05           01/01/02          0
    10001042                             O            12/01/31
    0

    6582054          758/G01             F          318,500.00         ZZ
                                         360        318,219.00          1
                                       6.625          2,039.39         70
                                       6.375          2,039.39
    MAGNOLIA         TX   77355          5            11/21/01         00
    0433496528                           03           01/01/02          0
    101241                               O            12/01/31
    0

    6583118          D03/D03             F          450,000.00         ZZ
                                         360        450,000.00          1
                                       7.250          3,069.79         72
                                       7.000          3,069.79
    SAN MATEO        CA   94403          5            11/30/01         00
    1010001300                           05           02/01/02          0
1

    1010001300                           O            01/01/32
    0

    6584952          N47/G01             F          332,100.00         ZZ
                                         360        331,821.00          1
                                       6.875          2,181.66         80
                                       6.625          2,181.66
    PITTSBURG        CA   94565          1            11/26/01         00
    0433483229                           05           01/01/02          0
    20311855                             O            12/01/31
    0

    6585332          783/G01             F          300,000.00         ZZ
                                         360        299,765.97          1
                                       7.250          2,046.53         76
                                       7.000          2,046.53
    MAPLE VALLEY     WA   98038          5            11/23/01         00
    0433470846                           05           01/01/02          0
    01101201540004                       O            12/01/31
    0

    6586918          E22/G01             F          384,000.00         ZZ
                                         360        383,669.38          1
                                       6.750          2,490.62         80
                                       6.500          2,490.62
    ALBUQUERQUE      NM   87122          1            11/15/01         00
    0413192121                           05           01/01/02          0
    0413192121                           O            12/01/31
    0

    6586920          E22/G01             F          304,000.00         ZZ
                                         360        303,710.00          1
                                       6.750          1,971.74         63
                                       6.500          1,971.74
    WOODINVILLE      WA   98072          5            11/08/01         00
    0413192402                           03           01/01/02          0
    0413192402                           O            12/01/31
    0

    6587856          757/G01             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.750          2,334.96         70
                                       6.500          2,334.96
    WEST FRIENDSHIP  MD   21794          5            12/07/01         00
    0433496270                           03           02/01/02          0
    1000510162                           O            01/01/32
    0

1

    6588262          757/G01             F          388,000.00         ZZ
                                         360        388,000.00          1
                                       7.000          2,581.38         80
                                       6.750          2,581.38
    YORK             ME   03909          2            11/29/01         00
    0433515954                           05           02/01/02          0
    1                                    O            01/01/32
    0

    6588452          757/G01             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.875          3,284.65         74
                                       6.625          3,284.65
    RIDGEFIELD       CT   06877          5            11/30/01         00
    0433502309                           05           02/01/02          0
    1000500353                           O            01/01/32
    0

    6588740          R65/G01             F          370,000.00         ZZ
                                         360        369,681.44          1
                                       6.750          2,399.81         61
                                       6.500          2,399.81
    SUDBURY          MA   01776          2            11/29/01         00
    0433469368                           05           01/01/02          0
    20015880                             O            12/01/31
    0

    6589766          369/G01             F          320,000.00         ZZ
                                         360        319,717.67          1
                                       6.625          2,049.00         80
                                       6.375          2,049.00
    CUMMING          GA   30040          2            11/26/01         00
    0433499050                           03           01/01/02          0
    19024315                             O            12/01/31
    0

    6592674          M27/G01             F          384,000.00         ZZ
                                         360        384,000.00          1
                                       7.000          2,554.76         75
                                       6.750          2,554.76
    MIDLOTHIAN       VA   23112          2            12/20/01         00
    0433540374                           03           02/01/02          0
    600716868                            O            01/01/32
    0

    6593552          757/G01             F          350,000.00         ZZ
                                         360        349,691.20          1
                                       6.625          2,241.09         70
                                       6.375          2,241.09
1

    DECATUR          GA   30030          2            12/03/01         00
    0433444783                           05           01/01/02          0
    1000498517                           O            12/01/31
    0

    6594352          665/G01             F          560,000.00         ZZ
                                         360        559,529.53          1
                                       6.875          3,678.80         70
                                       6.625          3,678.80
    PLEASANTON       CA   94588          2            11/27/01         00
    0433499209                           05           01/01/02          0
    88102873                             O            12/01/31
    0

    6596404          956/G01             F          322,000.00         ZZ
                                         360        321,722.76          1
                                       6.750          2,088.49         49
                                       6.500          2,088.49
    WEST END         NC   27376          2            11/07/01         00
    0433408812                           03           01/01/02          0
    3911100084                           O            12/01/31
    0

    6596708          956/G01             F          611,250.00         ZZ
                                         360        610,761.20          1
                                       7.125          4,118.10         75
                                       6.875          4,118.10
    YORK             PA   17403          2            11/07/01         00
    0433515632                           05           01/01/02          0
    3811100168                           O            12/01/31
    0

    6598280          757/G01             F          383,000.00         ZZ
                                         360        383,000.00          1
                                       6.875          2,516.04         80
                                       6.625          2,516.04
    FAIRFAX          VA   22033          2            12/04/01         00
    0433501152                           03           02/01/02          0
    297967704                            O            01/01/32
    0

    6599308          757/G01             F          397,200.00         ZZ
                                         360        396,866.30          1
                                       6.875          2,609.33         80
                                       6.625          2,609.33
    ATLANTA          GA   30327          2            11/28/01         00
    0433436805                           05           01/01/02          0
    1000520047                           O            12/01/31
    0
1

    6602076          M29/G01             F          430,500.00         ZZ
                                         360        430,500.00          1
                                       6.750          2,792.21         74
                                       6.500          2,792.21
    CASTLE ROCK      CO   80104          2            12/05/01         00
    0433461290                           05           02/01/02          0
    011157DCL                            O            01/01/32
    0

    6602672          944/G01             F          310,000.00         ZZ
                                         360        309,733.09          1
                                       6.750          2,010.66         79
                                       6.500          2,010.66
    SACRAMENTO       CA   95818          2            11/27/01         00
    0433454311                           05           01/01/02          0
    W01090502                            O            12/01/31
    0

    6604430          E22/G01             F          152,000.00         ZZ
                                         360        151,865.90          1
                                       6.625            973.27         47
                                       6.375            973.27
    BLACK DIAMOND    WA   98010          5            11/08/01         00
    0413195694                           05           01/01/02          0
    0413195694                           O            12/01/31
    0

    6604454          E22/G01             F          600,000.00         ZZ
                                         360        599,483.41          1
                                       6.750          3,891.59         40
                                       6.500          3,891.59
    SEVERNA PARK     MD   21146          2            11/14/01         00
    0413203514                           05           01/01/02          0
    0413203514                           O            12/01/31
    0

    6604562          E22/G01             F          369,500.00         ZZ
                                         360        369,149.40          1
                                       6.250          2,275.08         79
                                       6.000          2,275.08
    KIRKLAND         WA   98033          2            11/08/01         00
    0413268426                           05           01/01/02          0
    0413268426                           O            12/01/31
    0

    6604584          E22/G01             F          650,000.00         ZZ
                                         360        649,412.39          1
1

                                       6.500          4,108.44         47
                                       6.250          4,108.44
    SPICEWOOD        TX   78669          4            11/19/01         00
    0413284191                           05           01/01/02          0
    0413284191                           O            12/01/31
    0

    6608794          144/144             F          645,000.00         ZZ
                                         360        644,458.12          1
                                       6.875          4,237.19         51
                                       6.625          4,237.19
    SCARSDALE        NY   10583          2            11/27/01         00
    01ROVNERM                            05           01/01/02          0
    01ROVNERM                            O            12/01/31
    0

    6609018          926/926             F          543,000.00         T
                                         360        542,543.81          1
                                       6.875          3,567.13         46
                                       6.625          3,567.13
    HILTON HEAD ISL  SC   29928          2            11/26/01         00
    163025665                            03           01/01/02          0
    163025665                            O            12/01/31
    0

    6611790          P60/G01             F        1,000,000.00         ZZ
                                         360        999,139.02          1
                                       6.750          6,485.98         58
                                       6.500          6,485.98
    HOLLAND          OH   43528          2            11/23/01         00
    0433470929                           05           01/01/02          0
    6100066684                           O            12/01/31
    0

    6612354          B57/G01             F          450,000.00         ZZ
                                         360        450,000.00          1
                                       6.875          2,956.18         35
                                       6.625          2,956.18
    LOS ANGELES      CA   91423          2            12/01/01         00
    0433507423                           05           02/01/02          0
    2117424                              O            01/01/32
    0

    6616606          964/G01             F          426,200.00         ZZ
                                         360        425,823.97          1
                                       6.625          2,729.01         74
                                       6.375          2,729.01
    DOVE CANYON      CA   92679          2            11/27/01         00
    0433489671                           03           01/01/02          0
1

    167919                               O            12/01/31
    0

    6619990          R65/G01             F          384,000.00         ZZ
                                         360        384,000.00          1
                                       6.625          2,458.79         69
                                       6.375          2,458.79
    STERLING         VA   20165          5            12/07/01         00
    0433501467                           03           02/01/02          0
    20016017                             O            01/01/32
    0

    6623408          S11/G01             F          600,000.00         ZZ
                                         360        599,470.63          1
                                       6.625          3,841.87         62
                                       6.375          3,841.87
    LAGUNA HILLS     CA   92653          2            11/26/01         00
    0433474715                           03           01/01/02          0
    10206166                             O            12/01/31
    0

    6624130          665/G01             F          562,000.00         ZZ
                                         360        561,516.13          1
                                       6.750          3,645.12         49
                                       6.500          3,645.12
    DANVILLE         CA   94506          2            11/27/01         00
    0433491172                           09           01/01/02          0
    88103003                             O            12/01/31
    0

    6624870          R65/G01             F          364,000.00         ZZ
                                         360        363,686.60          1
                                       6.750          2,360.90         67
                                       6.500          2,360.90
    SAN DIEGO        CA   92104          5            11/30/01         00
    0433512365                           05           01/01/02          0
    20015900                             O            12/01/31
    0

    6625008          E60/G01             F          367,500.00         ZZ
                                         360        367,191.25          1
                                       6.875          2,414.22         68
                                       6.625          2,414.22
    TARZANA AREA LO  CA   91356          2            11/26/01         00
    0433452398                           05           01/01/02          0
    521855                               O            12/01/31
    0

1

    6625272          783/G01             F          309,000.00         ZZ
                                         360        309,000.00          1
                                       6.625          1,978.56         56
                                       6.375          1,978.56
    MERCER ISLAND    WA   98040          5            11/27/01         00
    0433511441                           05           02/01/02          0
    01102903860009                       O            01/01/32
    0

    6625610          964/G01             F          404,000.00         ZZ
                                         360        403,660.59          1
                                       6.875          2,653.99         70
                                       6.625          2,653.99
    PETALUMA         CA   94954          5            11/28/01         00
    0433491230                           05           01/01/02          0
    158591                               O            12/01/31
    0

    6627882          E85/G01             F          305,250.00         ZZ
                                         360        305,250.00          1
                                       7.250          2,082.34         80
                                       7.000          2,082.34
    FAIRFAX          CA   94930          1            12/06/01         00
    0433485778                           05           02/01/02          0
    9611534                              O            01/01/32
    0

    6627994          356/G01             F          742,500.00         ZZ
                                         360        741,876.21          1
                                       6.875          4,877.70         65
                                       6.625          4,877.70
    CARMEL           CA   93923          2            11/28/01         00
    0433548872                           05           01/01/02          0
    3094                                 O            12/01/31
    0

    6629008          R65/G01             F          330,000.00         ZZ
                                         360        329,722.76          1
                                       6.875          2,167.87         75
                                       6.625          2,167.87
    POTOMAC          MD   20854          5            11/30/01         00
    0433436888                           05           01/01/02          0
    20015904                             O            12/01/31
    0

    6629266          L49/G01             F          357,000.00         ZZ
                                         360        356,692.63          1
                                       6.750          2,315.50         80
                                       6.500          2,315.50
1

    THOUSAND OAKS    CA   91320          1            11/01/01         00
    0433376654                           03           01/01/02          0
    10007099                             O            12/01/31
    0

    6629698          L49/G01             F          384,550.00         ZZ
                                         360        384,242.48          1
                                       7.125          2,590.79         80
                                       6.875          2,590.79
    SAN CLEMENTE     CA   92673          1            11/01/01         00
    0433375904                           03           01/01/02          0
    10007182                             O            12/01/31
    0

    6630570          L49/G01             F          600,000.00         ZZ
                                         360        599,543.45          1
                                       7.375          4,144.05         80
                                       7.125          4,144.05
    SAN CLEMENTE     CA   92673          1            11/01/01         00
    0433374139                           05           01/01/02          0
    10006562                             O            12/01/31
    0

    6631128          L49/G01             F          508,100.00         ZZ
                                         360        507,693.67          1
                                       7.125          3,423.17         80
                                       6.875          3,423.17
    FULLERTON        CA   92835          1            11/01/01         00
    0433374048                           03           01/01/02          0
    10006861                             O            12/01/31
    0

    6631638          964/G01             F          430,000.00         ZZ
                                         360        429,620.62          1
                                       6.625          2,753.34         67
                                       6.375          2,753.34
    ORINDA           CA   94563          2            11/28/01         00
    0433497161                           05           01/01/02          0
    400164701                            O            12/01/31
    0

    6631852          964/G01             F          319,000.00         ZZ
                                         360        318,732.00          1
                                       6.875          2,095.60         60
                                       6.625          2,095.60
    IRVINE           CA   92612          2            11/21/01         00
    0433444197                           09           01/01/02          0
    161877                               O            12/01/31
    0
1

    6632416          F25/G01             F          364,000.00         ZZ
                                         360        364,000.00          1
                                       6.875          2,391.22         80
                                       6.625          2,391.22
    DOBBS FERRY      NY   10522          2            12/20/01         00
    0433542347                           05           02/01/02          0
    CAIN                                 O            01/01/32
    0

    6632764          696/G01             F          320,000.00         ZZ
                                         360        319,724.49          1
                                       6.750          2,075.51         80
                                       6.500          2,075.51
    RESTON           VA   20191          2            11/14/01         00
    0433415460                           03           01/01/02          0
    23301337                             O            12/01/31
    0

    6633150          L49/G01             F          441,900.00         ZZ
                                         360        441,537.77          1
                                       7.000          2,939.98         80
                                       6.750          2,939.98
    COSTA MESA       CA   92626          1            11/01/01         00
    0433370574                           03           01/01/02          0
    10007825                             O            12/01/31
    0

    6633364          W40/G01             F          440,000.00         ZZ
                                         360        439,630.34          1
                                       6.875          2,890.49         60
                                       6.625          2,890.49
    WEST BLOOMFIELD  MI   48324          5            11/28/01         00
    0433470655                           05           01/01/02          0
    101001894                            O            12/01/31
    0

    6633542          964/G01             F          390,000.00         ZZ
                                         360        389,672.36          1
                                       6.875          2,562.02         53
                                       6.625          2,562.02
    VENICE AREA      CA   90291          2            11/29/01         00
    0433501541                           05           01/01/02          0
    164237                               O            12/01/31
    0

    6633584          964/G01             F          312,000.00         ZZ
                                         360        312,000.00          1
1

                                       7.125          2,102.00         80
                                       6.875          2,102.00
    PACIFICA         CA   94044          5            12/04/01         00
    0433492345                           05           02/01/02          0
    166608                               O            01/01/32
    0

    6637056          Q51/G01             F          381,000.00         ZZ
                                         360        380,679.91          1
                                       6.875          2,502.90         58
                                       6.625          2,502.90
    SAN MARINO       CA   91108          5            11/19/01         00
    0433443959                           05           01/01/02          0
    0508931R1103089                      O            12/01/31
    0

    6639904          E22/G01             F          399,900.00         ZZ
                                         360        399,572.21          1
                                       7.000          2,660.54         45
                                       6.750          2,660.54
    MEAD             CO   80542          2            10/25/01         00
    0413003252                           05           01/01/02          0
    0413003252                           O            12/01/31
    0

    6639924          E22/G01             F          325,000.00         ZZ
                                         360        324,424.94          1
                                       6.625          2,081.01         63
                                       6.375          2,081.01
    MIAMI            FL   33157          5            10/25/01         00
    0413095399                           05           12/01/01          0
    0413095399                           O            11/01/31
    0

    6640068          E22/G01             F          362,000.00         ZZ
                                         360        361,688.32          1
                                       6.750          2,347.93         60
                                       6.500          2,347.93
    SEATTLE          WA   98115          2            11/02/01         00
    0413241654                           05           01/01/02          0
    0413241654                           O            12/01/31
    0

    6640386          369/G01             F          442,800.00         ZZ
                                         360        442,428.00          1
                                       6.875          2,908.88         74
                                       6.625          2,908.88
    INDIANAPOLIS     IN   46236          2            11/27/01         00
    0433507712                           09           01/01/02          0
1

    73637928                             O            12/01/31
    0

    6640452          R84/G01             F          596,000.00         ZZ
                                         360        596,000.00          1
                                       6.625          3,816.26         62
                                       6.375          3,816.26
    HOUSTON          TX   77019          5            12/06/01         00
    0433493434                           03           02/01/02          0
    0509637                              O            01/01/32
    0

    6640480          E82/G01             F          448,500.00         ZZ
                                         360        448,132.37          1
                                       7.000          2,983.88         80
                                       6.750          2,983.88
    MESA             AZ   85205          2            11/14/01         00
    0400523502                           03           01/01/02          0
    3107920                              O            12/01/31
    0

    6640486          E82/G01             F          330,200.00         ZZ
                                         360        329,915.71          1
                                       6.750          2,141.67         74
                                       6.500          2,141.67
    SAN ANSELMO      CA   94960          2            11/20/01         00
    0400536785                           05           01/01/02          0
    1927286                              O            12/01/31
    0

    6640490          E82/G01             F          383,500.00         ZZ
                                         360        383,177.82          1
                                       6.875          2,519.32         68
                                       6.625          2,519.32
    ARCADIA          CA   91006          2            11/12/01         00
    0400523262                           05           01/01/02          0
    4911399                              O            12/01/31
    0

    6640492          E82/G01             F          191,500.00         ZZ
                                         360        191,350.61          1
                                       7.250          1,306.37         68
                                       7.000          1,306.37
    BOCA RATON       FL   33433          2            11/19/01         00
    0400523270                           05           01/01/02          0
    0400523270                           O            12/01/31
    0

1

    6640510          E82/G01             F          522,500.00         ZZ
                                         360        522,061.04          1
                                       6.875          3,432.45         60
                                       6.625          3,432.45
    PENN VALLEY      CA   95946          2            11/15/01         00
    0400517728                           05           01/01/02          0
    0400517728                           O            12/01/31
    0

    6640512          E82/G01             F          344,200.00         ZZ
                                         360        343,917.86          1
                                       7.000          2,289.97         68
                                       6.750          2,289.97
    CARLSBAD         CA   92009          2            11/09/01         00
    0400521563                           05           01/01/02          0
    4679302                              O            12/01/31
    0

    6640514          E82/G01             F          366,000.00         ZZ
                                         360        365,699.99          1
                                       7.000          2,435.01         75
                                       6.750          2,435.01
    SANTA ROSA       CA   95404          2            11/12/01         00
    0400522447                           05           01/01/02          0
    3014510                              O            12/01/31
    0

    6640518          E82/G01             F          234,000.00         ZZ
                                         360        233,793.54          1
                                       6.625          1,498.33         50
                                       6.375          1,498.33
    LA HABRA HEIGHT  CA   90631          2            11/08/01         00
    0400533725                           05           01/01/02          0
    1988143                              O            12/01/31
    0

    6640528          E82/G01             F          325,000.00         ZZ
                                         360        324,733.60          1
                                       7.000          2,162.23         64
                                       6.750          2,162.23
    BENICIA          CA   94510          2            11/15/01         00
    0400512141                           05           01/01/02          0
    1950995                              O            12/01/31
    0

    6640530          E82/G01             F          496,500.00         ZZ
                                         360        496,072.52          1
                                       6.750          3,220.29         61
                                       6.500          3,220.29
1

    EDINA            MN   55436          2            11/16/01         00
    0400524930                           05           01/01/02          0
    0400524930                           O            12/01/31
    0

    6640538          E82/G01             F          272,200.00         ZZ
                                         360        271,959.84          1
                                       6.625          1,742.93         69
                                       6.375          1,742.93
    KNIGHTDALE       NC   27545          2            11/19/01         00
    0400539383                           05           01/01/02          0
    3379439                              O            12/01/31
    0

    6640540          E82/G01             F          295,900.00         ZZ
                                         360        295,651.41          1
                                       6.875          1,943.85         80
                                       6.625          1,943.85
    ARLINGTON        MA   02174          2            11/20/01         00
    0400536744                           05           01/01/02          0
    0400536744                           O            12/01/31
    0

    6640546          E82/G01             F          511,100.00         ZZ
                                         360        510,670.62          1
                                       6.875          3,357.56         69
                                       6.625          3,357.56
    SALINAS          CA   93908          2            11/13/01         00
    0400526950                           03           01/01/02          0
    4716030                              O            12/01/31
    0

    6640570          E82/G01             F          376,800.00         ZZ
                                         360        376,475.58          1
                                       6.750          2,443.92         56
                                       6.500          2,443.92
    LAGUNA BEACH     CA   92651          2            11/13/01         00
    0400522140                           05           01/01/02          0
    2933240                              O            12/01/31
    0

    6640592          E82/G01             F          350,300.00         ZZ
                                         360        349,998.40          1
                                       6.750          2,272.04         80
                                       6.500          2,272.04
    EASTON           CT   06612          2            11/15/01         00
    0400517488                           05           01/01/02          0
    2864709                              O            12/01/31
    0
1

    6640610          E82/G01             F          321,500.00         ZZ
                                         360        321,216.35          1
                                       6.625          2,058.60         54
                                       6.375          2,058.60
    FREMONT          CA   94536          2            11/19/01         00
    0400538815                           05           01/01/02          0
    6640610                              O            12/01/31
    0

    6640614          E82/G01             F          597,000.00         ZZ
                                         360        596,486.00          1
                                       6.750          3,872.13         60
                                       6.500          3,872.13
    RIVERWOODS       IL   60015          2            11/20/01         00
    0400534533                           05           01/01/02          0
    0400534533                           O            12/01/31
    0

    6640618          E82/G01             F          164,500.00         T
                                         360        164,361.80          1
                                       6.875          1,080.65         70
                                       6.625          1,080.65
    MELBOURNE        FL   32940          2            11/14/01         00
    0400528188                           03           01/01/02          0
    0400528188                           O            12/01/31
    0

    6640744          A06/G01             F          350,000.00         ZZ
                                         360        349,713.11          1
                                       7.000          2,328.56         78
                                       6.750          2,328.56
    HOWELL           MI   48843          5            11/27/01         00
    0433492048                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6641850          757/G01             F          335,000.00         ZZ
                                         360        335,000.00          1
                                       6.750          2,172.81         68
                                       6.500          2,172.81
    HANOVER          MA   02339          2            12/21/01         00
    0433541497                           05           02/01/02          0
    2NGUYENVIET                          O            01/01/32
    0

    6641904          U28/G01             F          315,700.00         ZZ
                                         360        315,421.47          1
1

                                       6.625          2,021.46         80
                                       6.375          2,021.46
    ALPHARETTA       GA   30004          1            11/29/01         00
    0433498326                           03           01/01/02          0
    3200                                 O            12/01/31
    0

    6642068          G75/G75             F          307,000.00         ZZ
                                         360        306,495.24          1
                                       7.000          2,042.48         75
                                       6.750          2,042.48
    MANSFIELD TOWNS  NJ   08022          5            10/10/01         00
    04469272                             05           12/01/01          0
    04469272                             O            11/01/31
    0

    6642070          G75/G75             F          380,000.00         ZZ
                                         360        379,405.33          1
                                       7.250          2,592.27         80
                                       7.000          2,592.27
    HILTON HEAD      SC   29926          1            10/15/01         00
    04467571                             03           12/01/01          0
    04467571                             O            11/01/31
    0

    6642078          G75/G75             F          496,000.00         ZZ
                                         360        495,223.80          1
                                       7.250          3,383.60         80
                                       7.000          3,383.60
    WASHINGTON       DC   20011          1            10/15/01         00
    04439229                             05           12/01/01          0
    04439229                             O            11/01/31
    0

    6642090          G75/G75             F          800,000.00         ZZ
                                         360        798,477.90          1
                                       6.250          4,925.74         70
                                       6.000          4,925.74
    LONDON BRITAIN   PA   19350          1            10/30/01         00
    04295641                             03           12/01/01          0
    04295641                             O            11/01/31
    0

    6642096          G75/G75             F          531,050.00         ZZ
                                         360        530,087.24          1
                                       6.500          3,356.60         65
                                       6.250          3,356.60
    KNOXVILLE        TN   37922          5            10/24/01         00
    04495758                             05           12/01/01          0
1

    04495758                             O            11/01/31
    0

    6642098          G75/G75             F          400,000.00         ZZ
                                         360        399,342.33          1
                                       7.000          2,661.21         30
                                       6.750          2,661.21
    CHARLOTTESVILLE  VA   22903          5            10/23/01         00
    04480339                             03           12/01/01          0
    04480339                             O            11/01/31
    0

    6642102          G75/G75             F          435,000.00         ZZ
                                         360        434,284.78          1
                                       7.000          2,894.07         57
                                       6.750          2,894.07
    WHITE STONE      VA   22578          2            11/02/01         00
    04500597                             05           12/01/01          0
    04500597                             O            11/01/31
    0

    6642104          G75/G75             F          315,850.00         ZZ
                                         360        315,304.59          1
                                       6.750          2,048.60         76
                                       6.500          2,048.60
    VIRGINIA BEACH   VA   23451          2            11/02/01         00
    04501157                             05           12/01/01          0
    04501157                             O            11/01/31
    0

    6642114          G75/G75             F          350,000.00         ZZ
                                         360        349,713.11          1
                                       7.000          2,328.56         75
                                       6.750          2,328.56
    BIRMINGHAM       PA   19382          5            11/02/01         00
    04492928                             03           01/01/02          0
    04492928                             O            12/01/31
    0

    6642116          G75/G75             F          348,150.00         ZZ
                                         360        347,376.98          1
                                       7.000          2,316.26         75
                                       6.750          2,316.26
    ASBURY           NJ   08802          1            10/26/01         00
    04304236                             05           12/01/01          0
    04304236                             O            11/01/31
    0

1

    6643304          757/G01             F          343,000.00         ZZ
                                         360        343,000.00          1
                                       6.625          2,196.27         65
                                       6.375          2,196.27
    POTOMAC          MD   20854          2            12/11/01         00
    0433511391                           05           02/01/02          0
    1000516631                           O            01/01/32
    0

    6643894          P60/G01             F          650,000.00         ZZ
                                         360        649,426.52          1
                                       6.625          4,162.02         73
                                       6.375          4,162.02
    HOLLAND          OH   43528          5            11/09/01         00
    0433453735                           05           01/01/02          0
    6100066409                           O            12/01/31
    0

    6644148          964/G01             F          329,000.00         ZZ
                                         360        328,709.73          1
                                       6.625          2,106.62         70
                                       6.375          2,106.62
    NOVATO           CA   94945          2            11/07/01         00
    0433442258                           05           01/01/02          0
    155387                               O            12/01/31
    0

    6645056          E23/G01             F          399,950.00         ZZ
                                         360        399,605.65          1
                                       6.750          2,594.07         66
                                       6.500          2,594.07
    SAN DIEGO        CA   92131          1            11/16/01         00
    0433408960                           03           01/01/02          0
    11005053                             O            12/01/31
    0

    6645392          M45/G01             F          360,000.00         ZZ
                                         360        359,674.55          1
                                       6.500          2,275.45         77
                                       6.250          2,275.45
    EL DORADO HILLS  CA   95762          1            11/12/01         00
    0433423241                           03           01/01/02          0
    A0291929                             O            12/01/31
    0

    6646190          N47/G01             F          392,000.00         ZZ
                                         360        391,694.20          1
                                       7.250          2,674.13         80
                                       7.000          2,674.13
1

    OAKLAND          CA   94610          1            11/21/01         00
    0433446465                           05           01/01/02          0
    2021231                              O            12/01/31
    0

    6646268          964/G01             F          483,000.00         ZZ
                                         360        483,000.00          1
                                       6.875          3,172.97         70
                                       6.625          3,172.97
    MORAGA           CA   94556          5            12/04/01         00
    0433544376                           05           02/01/02          0
    161410                               O            01/01/32
    0

    6647192          A46/G01             F          854,000.00         ZZ
                                         360        853,227.97          1
                                       6.500          5,397.86         70
                                       6.250          5,397.86
    HOUSTON          TX   77056          1            11/29/01         00
    0433430261                           03           01/02/02          0
    0131131                              O            12/02/31
    0

    6647844          M45/G01             F          385,000.00         ZZ
                                         360        384,676.55          1
                                       6.875          2,529.18         60
                                       6.625          2,529.18
    CORRALES         NM   87048          2            11/10/01         00
    0433392743                           05           01/01/02          0
    A0302216                             O            12/01/31
    0

    6647856          550/550             F          500,000.00         ZZ
                                         360        499,577.87          1
                                       6.850          3,276.30         17
                                       6.600          3,276.30
    PIEDMONT         CA   94611          2            11/15/01         00
    120553362                            05           01/01/02          0
    120553362                            O            12/01/31
    0

    6647976          N47/G01             F          525,000.00         ZZ
                                         360        524,525.39          1
                                       6.500          3,318.36         37
                                       6.250          3,318.36
    RANCHO SANTA FE  CA   92067          2            11/28/01         00
    0433488103                           03           01/01/02          0
    30112484                             O            12/01/31
    0
1

    6648570          E11/G01             F          487,200.00         ZZ
                                         360        486,770.15          1
                                       6.625          3,119.60         80
                                       6.375          3,119.60
    MOUND            MN   55384          1            11/30/01         00
    0433469079                           05           01/01/02          0
    0003001038193                        O            12/01/31
    0

    6648598          B57/G01             F          370,000.00         ZZ
                                         360        369,665.52          1
                                       6.500          2,338.65         63
                                       6.250          2,338.65
    LOS ANGELES      CA   90066          2            11/27/01         00
    0433500303                           05           01/01/02          0
    2117954                              O            12/01/31
    0

    6648650          G51/G01             F          450,000.00         ZZ
                                         360        449,612.56          1
                                       6.750          2,918.69         59
                                       6.500          2,918.69
    LONGMONT         CO   80503          2            11/30/01         00
    0433469533                           05           01/01/02          0
    567960598                            O            12/01/31
    0

    6650108          R65/G01             F          868,400.00         ZZ
                                         360        867,652.32          1
                                       6.750          5,632.43         65
                                       6.500          5,632.43
    OWINGS MILLS     MD   21117          5            11/28/01         00
    0433447794                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6650732          Q97/G01             F          331,600.00         ZZ
                                         360        331,321.41          1
                                       6.875          2,178.38         80
                                       6.625          2,178.38
    STAFFORD         VA   22554          1            11/28/01         00
    0433510476                           05           01/01/02          0
    16100606                             O            12/01/31
    0

    6651064          H93/G01             F          375,000.00         ZZ
                                         360        374,684.96          1
1

                                       6.875          2,463.48         52
                                       6.625          2,463.48
    OLATHE           KS   66062          1            11/27/01         00
    0433431699                           05           01/01/02          0
    2001001740                           O            12/01/31
    0

    6651964          M29/G01             F        1,000,000.00         ZZ
                                         360        999,117.72          1
                                       6.625          6,403.11         50
                                       6.375          6,403.11
    BOULDER          CO   80301          2            11/27/01         00
    0433415916                           03           01/01/02          0
    0110293DM                            O            12/01/31
    0

    6652322          M45/G01             F          488,000.00         ZZ
                                         360        487,609.75          1
                                       7.125          3,287.75         68
                                       6.875          3,287.75
    YORBA LINDA      CA   92887          2            11/07/01         00
    0433383734                           03           01/01/02          0
    A0302138                             O            12/01/31
    0

    6652944          M45/G01             F          325,000.00         ZZ
                                         360        324,438.78          1
                                       6.750          2,107.95         54
                                       6.500          2,107.95
    CHASKA           MN   55318          1            10/26/01         00
    0433385333                           05           12/01/01          0
    A0297286                             O            11/01/31
    0

    6653164          M45/G01             F          309,000.00         ZZ
                                         360        308,740.39          1
                                       6.875          2,029.92         63
                                       6.625          2,029.92
    SEATTLE          WA   98102          5            11/12/01         00
    0433392438                           05           01/01/02          0
    A0297017                             O            12/01/31
    0

    6653494          N47/G01             F          368,000.00         ZZ
                                         360        367,690.83          1
                                       6.875          2,417.50         80
                                       6.625          2,417.50
    ESCONDIDO        CA   92026          2            11/28/01         00
    0433483096                           05           01/01/02          0
1

    30112478                             O            12/01/31
    0

    6653750          B57/G01             F          334,000.00         ZZ
                                         360        334,000.00          1
                                       6.750          2,166.32         76
                                       6.500          2,166.32
    HUNTINGTON BEAC  CA   92646          2            12/01/01         00
    0433491271                           29           02/01/02          0
    2190065                              O            01/01/32
    0

    6654002          M45/G01             F          478,400.00         ZZ
                                         360        477,946.07          1
                                       6.250          2,945.60         80
                                       6.000          2,945.60
    ESCONDIDO        CA   92029          1            11/16/01         00
    0433378932                           03           01/01/02          0
    A0291120                             O            12/01/31
    0

    6654044          M45/G01             F          377,000.00         ZZ
                                         360        376,390.97          1
                                       7.000          2,508.20         75
                                       6.750          2,508.20
    MERIDIAN         ID   83642          2            11/15/01         00
    0433377694                           03           01/01/02          0
    A0302670                             O            12/01/31
    0

    6654468          M45/G01             F          471,847.00         ZZ
                                         360        471,460.23          1
                                       7.000          3,139.21         63
                                       6.750          3,139.21
    ORINDA           CA   94563          2            11/09/01         00
    0433402708                           05           01/01/02          0
    A0305697                             O            12/01/31
    0

    6654600          405/405             F          369,000.00         ZZ
                                         360        368,378.21          1
                                       6.875          2,424.07         41
                                       6.500          2,424.07
    SAN FRANCISCO    CA   94131          2            10/19/01         00
    0017803032                           01           12/01/01          0
    0017803032                           O            11/01/31
    0

1

    6654622          405/405             F          400,000.00         ZZ
                                         360        399,342.30          1
                                       7.000          2,661.21         79
                                       6.500          2,661.21
    ASHBURN          VA   20147          2            10/26/01         00
    0017832908                           05           12/01/01          0
    0017832908                           O            11/01/31
    0

    6654644          405/405             F          450,000.00         ZZ
                                         360        449,222.92          1
                                       6.750          2,918.70         62
                                       6.500          2,918.70
    BETHESDA         MD   20817          5            10/26/01         00
    0017854514                           05           12/01/01          0
    0017854514                           O            11/01/31
    0

    6654678          405/405             F          364,000.00         ZZ
                                         360        360,679.19          1
                                       7.000          2,421.70         80
                                       6.500          2,421.70
    BOULDER          CO   80304          2            10/18/01         00
    0012467718                           05           12/01/01          0
    0012467718                           O            11/01/31
    0

    6654680          405/405             F          419,000.00         ZZ
                                         360        418,276.47          1
                                       6.750          2,717.63         69
                                       6.250          2,717.63
    PASADENA         CA   91104          2            10/11/01         00
    0012548970                           05           12/01/01          0
    0012548970                           O            11/01/31
    0

    6654682          405/405             F          346,000.00         ZZ
                                         360        345,431.11          1
                                       7.000          2,301.95         80
                                       6.500          2,301.95
    ENCINITAS        CA   92024          1            10/05/01         00
    0012550935                           03           12/01/01          0
    0012550935                           O            11/01/31
    0

    6654688          405/405             F          380,000.00         ZZ
                                         360        379,105.30          1
                                       7.250          2,592.27         80
                                       6.750          2,592.27
1

    LAS VEGAS        NV   89131          2            09/25/01         00
    0012618633                           05           11/01/01          0
    0012618633                           O            10/01/31
    0

    6654690          405/405             F          341,000.00         ZZ
                                         360        340,713.52          1
                                       6.875          2,240.13         62
                                       6.375          2,240.13
    SAN FRANCISCO    CA   94131          2            11/01/01         00
    0017642810                           05           01/01/02          0
    0017642810                           O            12/01/31
    0

    6654692          405/405             F          650,000.00         ZZ
                                         360        647,711.98          1
                                       7.125          4,379.18         60
                                       6.625          4,379.18
    VENTURA          CA   93001          2            10/16/01         00
    0017673823                           05           12/01/01          0
    0017673823                           O            11/01/31
    0

    6654694          405/405             F          500,000.00         ZZ
                                         360        499,590.15          1
                                       7.000          3,326.52         75
                                       6.500          3,326.52
    SUNNYVALE        CA   94085          2            11/01/01         00
    0017734229                           03           01/01/02          0
    0017734229                           O            12/01/31
    0

    6654696          405/405             F          581,300.00         ZZ
                                         360        580,367.52          1
                                       7.125          3,916.33         80
                                       6.625          3,916.33
    MOUNT AIRY       MD   21797          2            10/29/01         00
    0017762063                           05           12/01/01          0
    0017762063                           O            11/01/31
    0

    6654698          405/405             F          483,000.00         ZZ
                                         360        482,186.11          1
                                       6.875          3,172.97         79
                                       6.375          3,172.97
    BEVERLY HILLS    CA   90212          2            10/31/01         00
    0017785817                           01           12/01/01          0
    0017785817                           O            11/01/31
    0
1

    6654700          405/405             F          560,000.00         ZZ
                                         360        559,529.53          1
                                       6.875          3,678.80         80
                                       6.375          3,678.80
    SAN ANSELMO      CA   94960          1            11/01/01         00
    0017793092                           05           01/01/02          0
    0017793092                           O            12/01/31
    0

    6654706          405/405             F          417,000.00         ZZ
                                         360        416,192.50          1
                                       7.000          2,774.32         47
                                       6.500          2,774.32
    BURLINGAME       CA   94010          2            11/06/01         00
    0017826389                           05           01/01/02          0
    0017826389                           O            12/01/31
    0

    6654718          405/405             F          505,000.00         ZZ
                                         360        504,586.05          1
                                       7.000          3,359.78         63
                                       6.500          3,359.78
    SAN JOSE         CA   95135          2            11/01/01         00
    0017856998                           05           01/01/02          0
    0017856998                           O            12/01/31
    0

    6654726          405/405             F          400,000.00         ZZ
                                         360        399,309.26          1
                                       6.750          2,594.40         72
                                       6.250          2,594.40
    IRVINE           CA   92614          2            10/31/01         00
    0017862681                           03           12/01/01          0
    0017862681                           O            11/01/31
    0

    6654730          405/405             F          375,000.00         ZZ
                                         360        374,383.43          1
                                       7.000          2,494.89         74
                                       6.500          2,494.89
    GLENDALE         CA   91206          2            10/27/01         00
    0017872516                           05           12/01/01          0
    0017872516                           O            11/01/31
    0

    6654732          405/405             F          600,000.00         ZZ
                                         360        599,483.41          1
1

                                       6.750          3,891.59         70
                                       6.250          3,891.59
    SAN RAFAEL       CA   94903          1            11/06/01         00
    0017875220                           03           01/01/02          0
    0017875220                           O            12/01/31
    0

    6654734          405/405             F          560,000.00         ZZ
                                         360        559,079.26          1
                                       7.000          3,725.70         80
                                       6.500          3,725.70
    STEVENSON RANCH  CA   91381          2            10/26/01         00
    0017879537                           05           12/01/01          0
    0017879537                           O            11/01/31
    0

    6654738          405/405             F          335,900.00         ZZ
                                         360        335,573.52          1
                                       6.125          2,040.97         80
                                       5.875          2,040.97
    SAN RAMON        CA   94583          1            11/05/01         00
    0017902263                           03           01/01/02          0
    0017902263                           O            12/01/31
    0

    6654740          405/405             F          420,000.00         ZZ
                                         360        419,006.25          1
                                       6.875          2,759.10         53
                                       6.375          2,759.10
    SAN JOSE         CA   95120          2            11/01/01         00
    0017905134                           05           01/01/02          0
    0017905134                           O            12/01/31
    0

    6654746          405/405             F          408,000.00         ZZ
                                         360        407,495.00          1
                                       6.750          2,646.29         80
                                       6.250          2,646.29
    REDONDO BEACH    CA   90278          1            11/07/01         00
    0017925348                           05           01/01/02          0
    0017925348                           O            12/01/31
    0

    6654748          405/405             F          445,000.00         ZZ
                                         360        444,616.86          1
                                       6.750          2,886.27         78
                                       6.250          2,886.27
    CARLSBAD         CA   92009          1            11/06/01         00
    0017945353                           03           01/01/02          0
1

    0017945353                           O            12/01/31
    0

    6654750          405/405             F          455,000.00         ZZ
                                         360        454,251.90          1
                                       7.000          3,027.13         65
                                       6.500          3,027.13
    RIVERSIDE        CA   92506          2            10/23/01         00
    0019921394                           05           12/01/01          0
    0019921394                           O            11/01/31
    0

    6654752          405/405             F          600,000.00         ZZ
                                         360        598,746.48          1
                                       6.750          3,891.59         35
                                       6.250          3,891.59
    LOS GATOS        CA   95032          2            10/26/01         00
    0019934702                           05           12/01/01          0
    0019934702                           O            11/01/31
    0

    6654754          405/405             F          375,000.00         ZZ
                                         360        373,982.62          1
                                       6.750          2,432.25         51
                                       6.250          2,432.25
    RANCHO PALOS VE  CA   90275          2            10/04/01         00
    0019946912                           05           12/01/01          0
    0019946912                           O            11/01/31
    0

    6654758          405/405             F          647,000.00         ZZ
                                         360        646,442.95          1
                                       6.750          4,196.43         72
                                       6.250          4,196.43
    SAN JUAN CAPIST  CA   92675          2            10/29/01         00
    0019954601                           03           01/01/02          0
    0019954601                           O            12/01/31
    0

    6654760          405/405             F          400,000.00         ZZ
                                         360        399,663.95          1
                                       6.875          2,627.72         37
                                       6.375          2,627.72
    DANA POINT       CA   92629          2            11/02/01         00
    0019961010                           03           01/01/02          0
    0019961010                           O            12/01/31
    0

1

    6654762          405/405             F          396,000.00         ZZ
                                         360        395,659.05          1
                                       6.750          2,568.45         80
                                       6.250          2,568.45
    OJAI             CA   93023          1            11/01/01         00
    0019961432                           05           01/01/02          0
    0019961432                           O            12/01/31
    0

    6656100          W40/G01             F          371,000.00         ZZ
                                         360        371,000.00          1
                                       6.625          2,375.55         54
                                       6.375          2,375.55
    ANN ARBOR        MI   48104          2            11/29/01         00
    0433423670                           05           02/01/02          0
    101001901                            O            01/01/32
    0

    6656150          L96/G01             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.750          3,242.99         61
                                       6.500          3,242.99
    WESTLAKE VILLAG  CA   91361          2            12/01/01         00
    0433481561                           03           02/01/02          0
    0509480                              O            01/01/32
    0

    6656514          H58/G01             F          328,800.00         ZZ
                                         360        328,509.91          1
                                       6.625          2,105.34         80
                                       6.375          2,105.34
    ATLANTA          GA   30319          1            11/28/01         00
    0433434172                           05           01/01/02          0
    0000081685                           O            12/01/31
    0

    6657882          783/G01             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.875          1,970.79         79
                                       6.625          1,970.79
    FRIDAY HARBOR    WA   98250          2            11/29/01         00
    0433489887                           05           02/01/02          0
    9420002426                           O            01/01/32
    0

    6658700          E85/G01             F          387,500.00         ZZ
                                         360        386,830.86          1
                                       6.750          2,513.32         71
                                       6.500          2,513.32
1

    SAN RAFAEL       CA   94903          2            10/25/01         00
    0433419082                           05           12/01/01          0
    9310847                              O            11/01/31
    0

    6661064          E22/G01             F          600,000.00         ZZ
                                         360        599,495.93          1
                                       6.875          3,941.57         67
                                       6.625          3,941.57
    UPPER SADDLE RI  NJ   07458          5            11/15/01         00
    0413117193                           05           01/01/02          0
    0413117193                           O            12/01/31
    0

    6661172          E22/G01             F          375,000.00         ZZ
                                         360        374,669.14          1
                                       6.625          2,401.17         50
                                       6.375          2,401.17
    ARNOLD           MD   21012          5            11/16/01         00
    0413232653                           05           01/01/02          0
    0413232653                           O            12/01/31
    0

    6661184          E22/G01             F          315,000.00         ZZ
                                         360        314,722.08          1
                                       6.625          2,016.98         77
                                       6.375          2,016.98
    VALENCIA         CA   91354          2            11/12/01         00
    0413236183                           05           01/01/02          0
    0413236183                           O            12/01/31
    0

    6661228          E22/G01             F          180,000.00         ZZ
                                         360        179,852.46          1
                                       7.000          1,197.54         80
                                       6.750          1,197.54
    FRAZIER PARK     CA   93225          1            11/13/01         00
    0413257965                           05           01/01/02          0
    0413257965                           O            12/01/31
    0

    6661242          E22/G01             F          408,000.00         ZZ
                                         360        407,631.16          1
                                       6.500          2,578.84         73
                                       6.250          2,578.84
    AURORA           CO   80016          5            11/16/01         00
    0413269713                           03           01/01/02          0
    0413269713                           O            12/01/31
    0
1

    6661246          E22/G01             F          345,000.00         ZZ
                                         360        344,702.97          1
                                       6.750          2,237.66         75
                                       6.500          2,237.66
    RIVER FOREST     IL   60305          5            11/16/01         00
    0413271149                           05           01/01/02          0
    0413271149                           O            12/01/31
    0

    6661298          E22/G01             F          642,000.00         ZZ
                                         360        641,447.25          1
                                       6.750          4,164.00         50
                                       6.500          4,164.00
    DENVER           CO   80246          2            11/16/01         00
    0413292806                           05           01/01/02          0
    0413292806                           O            12/01/31
    0

    6661318          E22/G01             F          310,000.00         ZZ
                                         360        309,726.50          1
                                       6.625          1,984.96         70
                                       6.375          1,984.96
    HUNTINGTON BEAC  CA   92646          1            11/15/01         00
    0413309212                           05           01/01/02          0
    0413309212                           O            12/01/31
    0

    6661766          E82/G01             F          359,000.00         ZZ
                                         360        358,690.91          1
                                       6.750          2,328.47         65
                                       6.500          2,328.47
    LOS ANGELES      CA   91344          2            11/19/01         00
    0400522355                           05           01/01/02          0
    6661766                              O            12/01/31
    0

    6661770          E82/G01             F          314,800.00         ZZ
                                         360        314,535.53          1
                                       6.875          2,068.01         80
                                       6.625          2,068.01
    STACY            MN   55079          2            11/21/01         00
    0400520227                           05           01/01/02          0
    0400520227                           O            12/01/31
    0

    6661794          W56/M32             F          349,000.00         ZZ
                                         360        348,699.52          1
1

                                       6.750          2,263.61         81
                                       6.500          2,263.61
    WOODINVILLE      WA   98072          2            11/21/01         23
    0400519880                           05           01/01/02          0
    0400519880                           O            12/01/31
    0

    6661856          550/550             F          635,000.00         ZZ
                                         360        634,463.89          1
                                       6.850          4,160.90         46
                                       6.600          4,160.90
    PIEDMONT         CA   94610          2            11/13/01         00
    120553099                            05           01/01/02          0
    120553099                            O            12/01/31
    0

    6661936          A46/G01             F          975,450.00         ZZ
                                         360        974,650.42          1
                                       7.000          6,489.70         70
                                       6.750          6,489.70
    HOUSTON          TX   77019          2            11/30/01         00
    0433469988                           05           01/02/02          0
    0134116                              O            12/02/31
    0

    6663174          M45/G01             F          410,000.00         ZZ
                                         360        409,655.55          1
                                       6.875          2,693.41         53
                                       6.625          2,693.41
    BERKELEY         CA   94708          2            11/06/01         00
    0433423316                           05           01/01/02          0
    A0304812                             O            12/01/31
    0

    6663310          944/G01             F          347,500.00         ZZ
                                         360        347,193.40          1
                                       6.625          2,225.09         52
                                       6.375          2,225.09
    SAN CARLOS       CA   94070          5            11/27/01         00
    0433527967                           05           01/01/02          0
    W01100489                            O            12/01/31
    0

    6663408          M27/G01             F          340,000.00         ZZ
                                         360        339,707.27          1
                                       6.750          2,205.23         68
                                       6.500          2,205.23
    GREER            SC   29650          5            11/26/01         00
    0433526738                           05           01/01/02          0
1

    600705736                            O            12/01/31
    0

    6664712          757/G01             F          461,000.00         ZZ
                                         360        461,000.00          1
                                       6.875          3,028.45         69
                                       6.625          3,028.45
    STERLING         MA   01564          2            12/11/01         00
    0433525888                           05           02/01/02          0
    1000495117                           O            01/01/32
    0

    6664854          470/G01             F          319,200.00         ZZ
                                         360        318,925.17          1
                                       6.750          2,070.33         80
                                       6.500          2,070.33
    WESTMINSTER      CA   92683          2            11/21/01         00
    0433454089                           05           01/01/02          0
    1                                    O            12/01/31
    0

    6665930          W40/G01             F          369,700.00         ZZ
                                         360        369,389.40          1
                                       6.875          2,428.67         74
                                       6.625          2,428.67
    DEARBORN         MI   48124          2            11/21/01         00
    0433469160                           05           01/01/02          0
    101001877                            O            12/01/31
    0

    6666006          367/367             F          380,654.34         ZZ
                                         343        380,296.58          1
                                       6.875          2,538.59         89
                                       6.625          2,538.59
    POTOMAC          MD   20854          1            11/19/01         10
    99267060                             03           01/01/02         25
    99267060                             O            07/01/30
    0

    6667038          H58/G01             F          327,000.00         ZZ
                                         360        326,718.46          1
                                       6.750          2,120.92         80
                                       6.500          2,120.92
    GREENWOOD        IN   46143          2            11/30/01         00
    0433493400                           05           01/01/02          0
    0000081943                           O            12/01/31
    0

1

    6667624          N47/G01             F          640,000.00         ZZ
                                         360        639,475.39          1
                                       7.000          4,257.94         74
                                       6.750          4,257.94
    REDONDO BEACH    CA   90277          2            11/28/01         00
    0433498771                           05           01/01/02          0
    30311823                             O            12/01/31
    0

    6668346          M45/G01             F          525,000.00         ZZ
                                         360        524,115.34          1
                                       6.875          3,448.88         49
                                       6.625          3,448.88
    MANHATTAN BEACH  CA   90266          2            10/26/01         00
    0433426855                           05           12/01/01          0
    A0298595                             O            11/01/31
    0

    6668392          P59/G01             F          660,000.00         ZZ
                                         360        659,431.75          1
                                       6.750          4,280.75         65
                                       6.500          4,280.75
    PASO ROBLES      CA   93446          5            11/23/01         00
    0433495272                           05           01/01/02          0
    002895                               O            12/01/31
    0

    6668666          738/G01             F          523,200.00         ZZ
                                         360        523,200.00          1
                                       6.625          3,350.11         80
                                       6.375          3,350.11
    CHARLOTTE        NC   28207          2            11/28/01         00
    0433530177                           05           02/01/02          0
    40181828                             O            01/01/32
    0

    6668892          N47/G01             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.875          2,233.56         74
                                       6.625          2,233.56
    BERKELEY         CA   94710          1            12/11/01         00
    0433489200                           05           02/01/02          0
    20212176                             O            01/01/32
    0

    6669724          N47/G01             F          476,750.00         T
                                         360        476,359.21          1
                                       7.000          3,171.83         55
                                       6.750          3,171.83
1

    TAHOE CITY       CA   96145          2            11/28/01         00
    0433512142                           05           01/01/02          0
    20112289                             O            12/01/31
    0

    6669788          367/367             F          764,198.02         ZZ
                                         344        762,832.09          1
                                       7.125          5,218.37         68
                                       6.875          5,218.37
    CHEVY CHASE      MD   20815          5            11/05/01         00
    99134950                             05           12/01/01          0
    99134950                             O            07/01/30
    0

    6669914          783/G01             F          380,000.00         ZZ
                                         360        379,672.83          1
                                       6.750          2,464.67         80
                                       6.500          2,464.67
    SEATTLE          WA   98105          2            11/13/01         00
    0433405107                           05           01/01/02          0
    9420002115                           O            12/01/31
    0

    6670710          E87/G01             F          347,750.00         ZZ
                                         360        347,750.00          1
                                       6.500          2,198.02         65
                                       6.250          2,198.02
    GOLETA           CA   93117          5            12/03/01         00
    0433482528                           05           02/01/02          0
    70003904                             O            01/01/32
    0

    6671038          757/G01             F          399,950.00         ZZ
                                         360        399,950.00          1
                                       6.750          2,594.07         80
                                       6.500          2,594.07
    FAIRFAX          VA   22039          2            12/06/01         00
    0433502721                           03           02/01/02          0
    5JYOTHISI                            O            01/01/32
    0

    6671062          948/G01             F          409,000.00         ZZ
                                         360        408,647.86          1
                                       6.750          2,652.77         71
                                       6.500          2,652.77
    RENO             NV   89511          2            11/29/01         00
    0433426541                           03           01/01/02          0
    63366                                O            12/01/31
    0
1

    6671248          253/253             F          368,600.00         ZZ
                                         360        367,963.49          1
                                       6.750          2,390.74         56
                                       6.500          2,390.74
    CLIFFTON         VA   20124          2            10/25/01         00
    980633                               05           12/01/01          0
    980633                               O            11/01/31
    0

    6671596          M45/G01             F          463,000.00         ZZ
                                         360        462,581.44          1
                                       6.500          2,926.48         49
                                       6.250          2,926.48
    LA JOLLA         CA   92037          2            11/02/01         00
    0433426863                           05           01/01/02          0
    A0290874                             O            12/01/31
    0

    6671824          T29/G01             F          590,000.00         ZZ
                                         360        589,005.82          1
                                       6.875          3,875.88         46
                                       6.625          3,875.88
    PHOENIX          AZ   85044          2            10/24/01         00
    0433506466                           03           12/01/01          0
    1210570                              O            11/01/31
    0

    6672608          A46/G01             F          375,700.00         ZZ
                                         360        375,376.52          1
                                       6.750          2,436.79         63
                                       6.500          2,436.79
    ARLINGTON        TX   76017          2            12/04/01         00
    0433497047                           03           01/01/02          0
    0993236                              O            12/01/31
    0

    6673042          M45/G01             F          395,000.00         ZZ
                                         360        394,659.91          1
                                       6.750          2,561.97         59
                                       6.500          2,561.97
    PARKER           CO   80134          2            11/09/01         00
    0433387768                           05           01/01/02          0
    A0306913                             O            12/01/31
    0

    6673430          M45/G01             F          345,000.00         ZZ
                                         360        344,702.96          1
1

                                       6.750          2,237.67         35
                                       6.500          2,237.67
    LOS ALTOS        CA   94024          2            11/07/01         00
    0433394780                           05           01/01/02          0
    A0305213                             O            12/01/31
    0

    6673442          M45/G01             F          356,000.00         ZZ
                                         360        355,685.91          1
                                       6.625          2,279.51         80
                                       6.375          2,279.51
    CONCORD          CA   94518          2            11/07/01         00
    0433387974                           05           01/01/02          0
    A0287936                             O            12/01/31
    0

    6673776          964/G01             F          731,000.00         ZZ
                                         360        730,370.63          1
                                       6.750          4,741.25         46
                                       6.500          4,741.25
    LAGUNA NIGUEL    CA   92677          2            11/16/01         00
    0433426731                           05           01/01/02          0
    163070                               O            12/01/31
    0

    6674048          757/G01             F          352,000.00         ZZ
                                         360        352,000.00          1
                                       6.875          2,312.39         75
                                       6.625          2,312.39
    ALEXANDRIA       VA   22302          5            12/03/01         00
    0433504396                           05           02/01/02          0
    1000499432                           O            01/01/32
    0

    6674160          M45/G01             F          475,000.00         ZZ
                                         360        474,580.92          1
                                       6.625          3,041.48         69
                                       6.375          3,041.48
    PEBBLE BEACH     CA   93953          1            11/15/01         00
    0433384252                           05           01/01/02          0
    A0308851                             O            12/01/31
    0

    6674814          M45/G01             F          650,000.00         ZZ
                                         360        649,426.51          1
                                       6.625          4,162.03         60
                                       6.375          4,162.03
    HANOVER          NH   03755          2            11/09/01         00
    0433394434                           05           01/01/02          0
1

    A0304084                             O            12/01/31
    0

    6675456          W55/G01             F          336,000.00         ZZ
                                         360        335,717.72          1
                                       6.875          2,207.28         80
                                       6.625          2,207.28
    SAN FRANCISCO    CA   94112          1            11/28/01         00
    0433421245                           05           01/01/02          0
    000215653400                         O            12/01/31
    0

    6675514          964/G01             F          540,000.00         ZZ
                                         360        539,535.07          1
                                       6.750          3,502.43         70
                                       6.500          3,502.43
    KENTFIELD        CA   94904          2            11/29/01         00
    0433489689                           05           01/01/02          0
    163632                               O            12/01/31
    0

    6676792          W40/G01             F          645,000.00         ZZ
                                         360        645,000.00          1
                                       6.875          4,237.19         65
                                       6.625          4,237.19
    NORTHVILLE       MI   48167          2            11/29/01         00
    0433498896                           05           02/01/02          0
    101001828                            O            01/01/32
    0

    6676794          M45/G01             F          313,500.00         ZZ
                                         360        313,236.61          1
                                       6.875          2,059.48         60
                                       6.625          2,059.48
    UNION CITY       CA   94587          2            11/08/01         00
    0433387487                           05           01/01/02          0
    A0306792                             O            12/01/31
    0

    6677126          696/G01             F          414,550.00         ZZ
                                         360        414,201.73          1
                                       6.875          2,723.30         80
                                       6.625          2,723.30
    ROCKVILLE        MD   20850          1            11/20/01         00
    0433457744                           03           01/01/02          0
    32700151                             O            12/01/31
    0

1

    6677128          696/G01             F          384,000.00         ZZ
                                         360        383,669.38          1
                                       6.750          2,490.62         80
                                       6.500          2,490.62
    CHEVY CHASE      MD   20815          2            11/19/01         00
    0433405925                           05           01/01/02          0
    31801195                             O            12/01/31
    0

    6677134          696/G01             F          311,500.00         ZZ
                                         360        311,231.81          1
                                       6.750          2,020.38         70
                                       6.500          2,020.38
    BETHESDA         MD   20816          2            11/16/01         00
    0433405826                           05           01/01/02          0
    30501188                             O            12/01/31
    0

    6677332          M45/G01             F          586,500.00         ZZ
                                         360        586,007.27          1
                                       6.875          3,852.89         64
                                       6.625          3,852.89
    TIBURON          CA   94920          2            11/13/01         00
    0433386158                           05           01/01/02          0
    A0305511                             O            12/01/31
    0

    6677432          964/G01             F          347,000.00         ZZ
                                         360        347,000.00          1
                                       6.625          2,221.88         78
                                       6.375          2,221.88
    NOVATO           CA   94949          5            12/05/01         00
    0433490992                           05           02/01/02          0
    166938                               O            01/01/32
    0

    6678674          E23/G01             F          330,000.00         T
                                         360        329,742.57          1
                                       7.250          2,251.18         36
                                       7.000          2,251.18
    TRUCKEE          CA   96160          2            11/16/01         00
    0433435146                           09           01/01/02          0
    51009137                             O            12/01/31
    0

    6681366          964/G01             F          378,750.00         ZZ
                                         360        378,750.00          1
                                       7.000          2,519.83         75
                                       6.750          2,519.83
1

    BEND             OR   97701          5            12/04/01         00
    0433496049                           05           02/01/02          0
    173531                               O            01/01/32
    0

    6681376          956/G01             F          341,100.00         ZZ
                                         360        340,510.99          1
                                       6.750          2,212.37         46
                                       6.500          2,212.37
    TUCSON           AZ   85737          2            10/26/01         00
    0433404902                           03           12/01/01          0
    010531                               O            11/01/31
    0

    6682418          757/G01             F          363,000.00         ZZ
                                         360        363,000.00          1
                                       6.625          2,324.33         53
                                       6.375          2,324.33
    ATLANTA          GA   30309          2            12/04/01         00
    0433529997                           05           02/01/02          0
    1000510659                           O            01/01/32
    0

    6683420          E22/G01             F          469,000.00         ZZ
                                         360        468,605.98          1
                                       6.875          3,081.00         57
                                       6.625          3,081.00
    LOS ANGELES      CA   90024          2            11/15/01         00
    0413067398                           05           01/01/02          0
    0413067398                           O            12/01/31
    0

    6683446          E22/G01             F          303,000.00         ZZ
                                         360        302,445.45          1
                                       6.875          1,990.49         65
                                       6.625          1,990.49
    BEVERLY HILLS    CA   90212          2            11/09/01         00
    0413148453                           01           01/01/02          0
    0413148453                           O            12/01/31
    0

    6683502          E22/G01             F          497,000.00         ZZ
                                         360        496,572.10          1
                                       6.750          3,223.53         70
                                       6.500          3,223.53
    LOS ANGELES      CA   91344          1            11/19/01         00
    0413223413                           03           01/01/02          0
    0413223413                           O            12/01/31
    0
1

    6683504          E22/G01             F          331,575.00         ZZ
                                         360        331,289.52          1
                                       6.750          2,150.59         59
                                       6.500          2,150.59
    RENTON           WA   98059          2            11/19/01         00
    0413224122                           03           01/01/02          0
    0413224122                           O            12/01/31
    0

    6683526          E22/G01             F          547,200.00         ZZ
                                         360        546,728.87          1
                                       6.750          3,549.13         80
                                       6.500          3,549.13
    SAN MATEO        CA   94403          1            11/14/01         00
    0413233933                           05           01/01/02          0
    0413233933                           O            12/01/31
    0

    6683536          E22/G01             F          373,500.00         ZZ
                                         360        373,178.43          1
                                       6.750          2,422.51         59
                                       6.500          2,422.51
    NOVATO           CA   94949          2            11/15/01         00
    0413236340                           03           01/01/02          0
    0413236340                           O            12/01/31
    0

    6683540          E22/G01             F          317,500.00         ZZ
                                         360        317,226.64          1
                                       6.750          2,059.30         56
                                       6.500          2,059.30
    PASADENA         CA   91105          2            11/14/01         00
    0413237629                           01           01/01/02          0
    0413237629                           O            12/01/31
    0

    6683544          E22/G01             F          303,000.00         ZZ
                                         360        302,732.67          1
                                       6.625          1,940.14         80
                                       6.375          1,940.14
    REDONDO BEACH    CA   90278          2            11/16/01         00
    0413237975                           01           01/01/02          0
    0413237975                           O            12/01/31
    0

    6683546          E22/G01             F          504,000.00         ZZ
                                         360        503,555.33          1
1

                                       6.625          3,227.17         70
                                       6.375          3,227.17
    SHORELINE        WA   98177          2            11/19/01         00
    0413238205                           05           01/01/02          0
    0413238205                           O            12/01/31
    0

    6683554          E22/G01             F          455,000.00         ZZ
                                         360        454,617.74          1
                                       6.875          2,989.03         57
                                       6.625          2,989.03
    AROMAS           CA   95004          2            11/19/01         00
    0413243577                           03           01/01/02          0
    0413243577                           O            12/01/31
    0

    6683556          E22/G01             F          467,000.00         ZZ
                                         360        463,837.73          1
                                       6.625          2,990.25         30
                                       6.375          2,990.25
    NEWPORT BEACH    CA   92663          2            11/13/01         00
    0413244229                           03           01/01/02          0
    0413244229                           O            12/01/31
    0

    6683558          E22/G01             F          424,000.00         ZZ
                                         360        423,616.70          1
                                       6.500          2,679.97         42
                                       6.250          2,679.97
    REDWOOD CITY     CA   94062          2            11/16/01         00
    0413249822                           05           01/01/02          0
    0413249822                           O            12/01/31
    0

    6683568          E22/G01             F          400,000.00         ZZ
                                         360        399,647.09          1
                                       6.625          2,561.24         72
                                       6.375          2,561.24
    OAKDALE          CA   95361          2            11/19/01         00
    0413253220                           05           01/01/02          0
    0413253220                           O            12/01/31
    0

    6683570          E22/G01             F          384,000.00         ZZ
                                         360        383,652.86          1
                                       6.500          2,427.14         80
                                       6.250          2,427.14
    SOUTHLAKE        TX   76092          2            11/20/01         00
    0413255449                           03           01/01/02          0
1

    0413255449                           O            12/01/31
    0

    6683572          E22/G01             F          476,500.00         ZZ
                                         360        476,069.24          1
                                       6.500          3,011.80         77
                                       6.250          3,011.80
    ATLANTA          GA   30339          2            11/20/01         00
    0413258039                           05           01/01/02          0
    0413258039                           O            12/01/31
    0

    6683582          E22/G01             F          414,000.00         ZZ
                                         360        413,634.73          1
                                       6.625          2,650.89         45
                                       6.375          2,650.89
    SEATTLE          WA   98199          2            11/14/01         00
    0413262007                           05           01/01/02          0
    0413262007                           O            12/01/31
    0

    6683602          E22/G01             F          408,000.00         ZZ
                                         360        407,640.03          1
                                       6.625          2,612.47         63
                                       6.375          2,612.47
    LIVERMORE        CA   94550          2            11/13/01         00
    0413268434                           05           01/01/02          0
    0413268434                           O            12/01/31
    0

    6683612          E22/G01             F          587,250.00         ZZ
                                         360        586,706.09          1
                                       6.375          3,663.68         32
                                       6.125          3,663.68
    MERCER ISLAND    WA   98040          2            11/13/01         00
    0413270281                           05           01/01/02          0
    0413270281                           O            12/01/31
    0

    6683708          E22/G01             F          376,000.00         ZZ
                                         360        375,676.27          1
                                       6.750          2,438.73         64
                                       6.500          2,438.73
    OAKLAND          CA   94610          1            11/15/01         00
    0413342379                           05           01/01/02          0
    0413342379                           O            12/01/31
    0

1

    6684370          757/G01             F          375,000.00         ZZ
                                         360        375,000.00          1
                                       6.250          2,308.94         75
                                       6.000          2,308.94
    ARLINGTON HEIGH  IL   60005          5            12/07/01         00
    0433530714                           05           02/01/02          0
    4LUMIAMARK                           O            01/01/32
    0

    6685240          H12/G01             F          344,000.00         ZZ
                                         360        343,718.03          1
                                       7.000          2,288.64         80
                                       6.750          2,288.64
    OMAHA            NE   68132          2            11/14/01         00
    0433439437                           05           01/01/02          0
    0800015832301                        O            12/01/31
    0

    6685304          M45/G01             F          500,000.00         ZZ
                                         360        499,558.86          1
                                       6.625          3,201.56         46
                                       6.375          3,201.56
    WALNUT CREEK     CA   94598          2            11/06/01         00
    0433426897                           03           01/01/02          0
    A0287947                             O            12/01/31
    0

    6685856          M45/G01             F          510,000.00         ZZ
                                         360        509,560.89          1
                                       6.750          3,307.86         57
                                       6.500          3,307.86
    SAN JOSE         CA   95120          2            11/02/01         00
    0433426905                           05           01/01/02          0
    A0305001                             O            12/01/31
    0

    6686228          H12/G01             F          301,700.00         ZZ
                                         360        301,191.63          1
                                       6.875          1,981.95         79
                                       6.625          1,981.95
    OVERLAND PARK    KS   66221          2            10/24/01         00
    0433455227                           03           12/01/01          0
    0800013895855                        O            11/01/31
    0

    6686454          M45/G01             F          432,000.00         ZZ
                                         360        431,628.05          1
                                       6.750          2,801.95         70
                                       6.500          2,801.95
1

    DAVIS            CA   95616          2            11/07/01         00
    0433384526                           05           01/01/02          0
    A0306215                             O            12/01/31
    0

    6688690          N28/G01             F          350,000.00         ZZ
                                         360        349,713.11          1
                                       7.000          2,328.56         69
                                       6.750          2,328.56
    CAMAS            WA   98607          5            11/08/01         00
    0433413291                           03           01/01/02          0
    25413                                O            12/01/31
    0

    6689954          757/G01             F          335,000.00         ZZ
                                         360        335,000.00          1
                                       6.750          2,172.81         78
                                       6.500          2,172.81
    HERNDON          VA   22033          1            12/14/01         00
    0433536620                           05           02/01/02          0
    5MACOMBERPA                          O            01/01/32
    0

    6691866          A35/G01             F          328,000.00         ZZ
                                         360        328,000.00          1
                                       7.000          2,182.19         80
                                       6.750          2,182.19
    MONROE           CT   06468          1            12/04/01         00
    0433498698                           09           02/01/02          0
    512879                               O            01/01/32
    0

    6692068          964/G01             F          373,500.00         ZZ
                                         360        373,170.47          1
                                       6.625          2,391.56         79
                                       6.375          2,391.56
    LONGMONT         CO   80504          2            11/30/01         00
    0433491404                           03           01/01/02          0
    169138                               O            12/01/31
    0

    6693430          E60/G01             F          545,000.00         ZZ
                                         360        544,530.77          1
                                       6.750          3,534.86         61
                                       6.500          3,534.86
    SAN LUIS OBISPO  CA   93401          2            11/20/01         00
    0433446846                           05           01/01/02          0
    513846                               O            12/01/31
    0
1

    6693464          N47/G01             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.750          2,464.67         56
                                       6.500          2,464.67
    SANTA CRUZ       CA   95060          5            12/05/01         00
    0433510260                           05           02/01/02          0
    20112476                             O            01/01/32
    0

    6693634          550/550             F          575,000.00         ZZ
                                         360        574,509.76          1
                                       6.800          3,748.57         53
                                       6.550          3,748.57
    LOS ANGELES      CA   90272          2            11/07/01         00
    120550152                            05           01/01/02          0
    120550152                            O            12/01/31
    0

    6693694          994/X14             F          332,000.00         ZZ
                                         360        331,237.46          1
                                       7.375          2,293.04         80
                                       7.125          2,293.04
    SAN JOSE         CA   95127          2            09/18/01         00
    218492605                            05           11/01/01          0
    218492605                            O            10/01/31
    0

    6693830          757/G01             F          562,000.00         ZZ
                                         360        562,000.00          1
                                       6.750          3,645.13         64
                                       6.500          3,645.13
    ATLANTA          GA   30305          2            12/03/01         00
    0433496403                           05           02/01/02          0
    1BALDMI                              O            01/01/32
    0

    6695804          Q41/G01             F          352,800.00         ZZ
                                         360        352,488.73          1
                                       6.625          2,259.02         80
                                       6.375          2,259.02
    FLOWER MOUND     TX   75022          1            11/21/01         00
    0433495918                           05           01/01/02          0
    5103176                              O            12/01/31
    0

    6696052          994/X14             F          318,000.00         ZZ
                                         360        317,489.91          1
1

                                       7.125          2,142.42         79
                                       6.875          2,142.42
    SAN FRANCISCO    CA   94134          2            10/01/01         00
    218777963                            07           12/01/01          0
    218777963                            O            11/01/31
    0

    6696220          994/X14             F          372,000.00         ZZ
                                         360        360,418.12          1
                                       6.750          2,412.78         71
                                       6.500          2,412.78
    THOUSAND OAKS    CA   91362          2            10/09/01         00
    218786733                            05           12/01/01          0
    218786733                            O            11/01/31
    0

    6696296          Q51/G01             F          413,000.00         ZZ
                                         360        412,661.47          1
                                       7.000          2,747.70         62
                                       6.750          2,747.70
    TOPANGA AREA     CA   90290          2            11/19/01         00
    0433408184                           05           01/01/02          0
    0510054R1091908                      O            12/01/31
    0

    6696402          550/550             F          570,000.00         ZZ
                                         360        569,532.77          1
                                       7.000          3,792.23         59
                                       6.750          3,792.23
    LOS ANGELES      CA   90024          2            11/14/01         00
    120554238                            05           01/01/02          0
    120554238                            O            12/01/31
    0

    6696948          994/X14             F          340,000.00         ZZ
                                         360        338,963.65          1
                                       7.000          2,262.03         66
                                       6.750          2,262.03
    DALY CITY        CA   94015          5            10/24/01         00
    218925141                            05           12/01/01          0
    218925141                            O            11/01/31
    0

    6697316          E33/G01             F          325,000.00         ZZ
                                         360        324,720.19          1
                                       6.750          2,107.94         57
                                       6.500          2,107.94
    LAKE FOREST      IL   60045          5            11/21/01         00
    0433424421                           05           01/01/02          0
1

    FILIPP                               O            12/01/31
    0

    6698272          994/X14             F          310,000.00         ZZ
                                         360        309,464.70          1
                                       6.750          2,010.65         31
                                       6.500          2,010.65
    SAN JOSE         CA   95120          5            10/23/01         00
    218914020                            05           12/01/01          0
    218914020                            O            11/01/31
    0

    6698818          994/X14             F          302,000.00         ZZ
                                         360        301,215.55          1
                                       6.750          1,958.77         71
                                       6.500          1,958.77
    BUENA PARK       CA   90621          2            09/27/01         00
    403830927                            03           11/01/01          0
    403830927                            O            10/01/31
    0

    6699970          367/367             F          366,635.05         ZZ
                                         345        365,936.99          1
                                       6.750          2,410.37         79
                                       6.500          2,410.37
    WASHINGTON       DC   20007          1            11/27/01         00
    99381750                             05           12/01/01          0
    99381750                             O            08/01/30
    0

    6701336          F19/G01             F          400,000.00         ZZ
                                         360        399,647.09          1
                                       6.625          2,561.24         80
                                       6.375          2,561.24
    CARLSBAD         CA   92009          2            11/08/01         00
    0433445186                           03           01/01/02          0
    0104757513                           O            12/01/31
    0

    6703440          757/G01             F          452,000.00         ZZ
                                         360        452,000.00          1
                                       6.875          2,969.32         63
                                       6.625          2,969.32
    POTOMAC          MD   20854          2            12/06/01         00
    0433507092                           05           02/01/02          0
    5MOYNIHANC                           O            01/01/32
    0

1

    6704520          B57/G01             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       7.000          2,395.09         78
                                       6.750          2,395.09
    LOS ANGELES      CA   90004          1            12/05/01         00
    0433503091                           05           02/01/02          0
    2119292                              O            01/01/32
    0

    6705076          B57/G01             F          407,500.00         ZZ
                                         360        407,140.47          1
                                       6.625          2,609.27         61
                                       6.375          2,609.27
    LOS ANGELES      CA   91436          2            11/29/01         00
    0433429602                           05           01/01/02          0
    2118894                              O            12/01/31
    0

    6707270          E22/G01             F          310,000.00         ZZ
                                         360        309,733.10          1
                                       6.750          2,010.65         41
                                       6.500          2,010.65
    LAKE CHARLES     LA   70605          2            11/20/01         00
    0413221300                           05           01/01/02          0
    0413221300                           O            12/01/31
    0

    6707302          E22/G01             F          450,000.00         ZZ
                                         360        449,621.95          1
                                       6.875          2,956.18         63
                                       6.625          2,956.18
    SAN JOSE         CA   95118          2            11/07/01         00
    0413245960                           05           01/01/02          0
    0413245960                           O            12/01/31
    0

    6707310          E22/G01             F          174,000.00         ZZ
                                         360        173,864.26          4
                                       7.250          1,186.99         56
                                       7.000          1,186.99
    LONG BEACH       CA   90813          2            11/14/01         00
    0413248634                           05           01/01/02          0
    0413248634                           O            12/01/31
    0

    6707356          E22/G01             F          460,000.00         ZZ
                                         360        459,594.15          1
                                       6.625          2,945.43         70
                                       6.375          2,945.43
1

    SAN JOSE         CA   95112          2            11/13/01         00
    0413267725                           05           01/01/02          0
    0413267725                           O            12/01/31
    0

    6707362          E22/G01             F          388,000.00         ZZ
                                         360        387,649.25          1
                                       6.500          2,452.42         52
                                       6.250          2,452.42
    SEATTLE          WA   98112          2            11/14/01         00
    0413268897                           05           01/01/02          0
    0413268897                           O            12/01/31
    0

    6707364          E22/G01             F          400,000.00         ZZ
                                         360        399,663.95          1
                                       6.875          2,627.72         80
                                       6.625          2,627.72
    SAN JOSE         CA   95123          1            11/13/01         00
    0413269978                           05           01/01/02          0
    0413269978                           O            12/01/31
    0

    6707372          E22/G01             F          501,000.00         ZZ
                                         360        500,547.09          1
                                       6.500          3,166.66         69
                                       6.250          3,166.66
    LIVERMORE        CA   94550          2            11/14/01         00
    0413272204                           05           01/01/02          0
    0413272204                           O            12/01/31
    0

    6707386          E22/G01             F          440,000.00         ZZ
                                         360        439,656.75          1
                                       7.250          3,001.58         80
                                       7.000          3,001.58
    PALO ALTO        CA   94306          1            11/16/01         00
    0413277625                           05           01/01/02          0
    0413277625                           O            12/01/31
    0

    6707446          E22/G01             F          612,950.00         ZZ
                                         360        612,322.26          1
                                       6.750          3,975.58         80
                                       6.500          3,975.58
    SEATTLE          WA   98115          1            11/19/01         00
    0413316936                           05           01/01/02          0
    0413316936                           O            12/01/31
    0
1

    6708026          994/X14             F          330,000.00         ZZ
                                         360        329,715.88          1
                                       6.750          2,140.37         76
                                       6.500          2,140.37
    IRVINE           CA   92620          2            11/01/01         00
    218921058                            05           01/01/02          0
    218921058                            O            12/01/31
    0

    6708078          994/X14             F          378,000.00         ZZ
                                         360        377,347.27          1
                                       6.750          2,451.70         77
                                       6.500          2,451.70
    TUCSON           AZ   85737          2            10/15/01         00
    218948135                            03           12/01/01          0
    218948135                            O            11/01/31
    0

    6708254          994/X14             F          456,000.00         ZZ
                                         360        455,250.26          1
                                       7.000          3,033.78         79
                                       6.750          3,033.78
    SAN DIEGO        CA   92109          2            10/24/01         00
    218967416                            05           12/01/01          0
    218967416                            O            11/01/31
    0

    6708570          696/G01             F          328,000.00         ZZ
                                         360        327,717.60          1
                                       6.750          2,127.40         80
                                       6.500          2,127.40
    WASHINGTON       DC   20008          2            11/19/01         00
    0433443843                           05           01/01/02          0
    31101249                             O            12/01/31
    0

    6708572          696/G01             F          449,600.00         ZZ
                                         360        449,222.28          1
                                       6.875          2,953.55         80
                                       6.625          2,953.55
    ALEXANDRIA       VA   22305          2            11/19/01         00
    0433471117                           05           01/01/02          0
    22601229                             O            12/01/31
    0

    6708576          696/G01             F          470,000.00         ZZ
                                         360        469,595.34          1
1

                                       6.750          3,048.41         76
                                       6.500          3,048.41
    OAKTON           VA   22124          2            11/19/01         00
    0433492303                           03           01/01/02          0
    23601157                             O            12/01/31
    0

    6708578          696/G01             F          320,000.00         ZZ
                                         360        319,724.49          1
                                       6.750          2,075.51         80
                                       6.500          2,075.51
    BOYDS            MD   20841          2            11/20/01         00
    0433435997                           03           01/01/02          0
    25701088                             O            12/01/31
    0

    6708582          696/G01             F        1,000,000.00         ZZ
                                         360        999,159.88          1
                                       6.875          6,569.29         49
                                       6.625          6,569.29
    WASHINGTON       DC   20008          2            11/19/01         00
    0433499282                           05           01/01/02          0
    24401170                             O            12/01/31
    0

    6708594          994/X14             F          470,000.00         ZZ
                                         360        469,208.02          1
                                       6.875          3,087.57         55
                                       6.625          3,087.57
    GLENVIEW         IL   60025          1            10/22/01         00
    218924490                            03           12/01/01          0
    218924490                            O            11/01/31
    0

    6708836          994/X14             F          530,500.00         ZZ
                                         360        530,043.25          1
                                       6.750          3,440.81         80
                                       6.500          3,440.81
    CHARLOTTE        NC   28226          2            10/31/01         00
    404219152                            05           01/01/02          0
    404219152                            O            12/01/31
    0

    6708904          994/X14             F          315,000.00         ZZ
                                         360        314,456.07          1
                                       6.750          2,043.08         74
                                       6.500          2,043.08
    RALEIGH          NC   27617          1            10/26/01         00
    81256318                             03           12/01/01          0
1

    81256318                             O            11/01/31
    0

    6708922          757/G01             F          334,000.00         ZZ
                                         360        334,000.00          1
                                       6.875          2,194.15         77
                                       6.625          2,194.15
    WOODSTOCK        GA   30189          2            12/05/01         00
    0433496221                           03           02/01/02          0
    1000507416                           O            01/01/32
    0

    6709126          994/X14             F          309,000.00         ZZ
                                         360        308,327.28          1
                                       6.875          2,029.91         50
                                       6.625          2,029.91
    SCOTTSDALE       AZ   85259          2            10/23/01         00
    218929168                            03           12/01/01          0
    218929168                            O            11/01/31
    0

    6709542          N28/G01             F          615,000.00         ZZ
                                         360        614,457.40          1
                                       6.625          3,937.91         65
                                       6.375          3,937.91
    PORTLAND         OR   97201          2            11/15/01         00
    0433533593                           05           01/01/02          0
    26251                                O            12/01/31
    0

    6709574          994/X14             F          299,500.00         ZZ
                                         360        298,982.83          1
                                       6.750          1,942.55         63
                                       6.500          1,942.55
    BREVARD          NC   28712          5            10/24/01         00
    81096251                             03           12/01/01          0
    81096251                             O            11/01/31
    0

    6709942          994/X14             F          381,000.00         ZZ
                                         360        380,373.58          1
                                       7.000          2,534.80         74
                                       6.750          2,534.80
    EDWARDS          CO   81632          2            10/26/01         00
    218513699                            09           12/01/01          0
    218513699                            O            11/01/31
    0

1

    6711450          R65/G01             F          365,000.00         ZZ
                                         360        365,000.00          1
                                       7.125          2,459.07         69
                                       6.875          2,459.07
    SOUTH BRUNSWICK  NJ   08852          5            12/07/01         00
    0433505872                           05           02/01/02          0
    20015995                             O            01/01/32
    0

    6712362          975/G01             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.875          2,627.72         76
                                       6.625          2,627.72
    CYPRESS          CA   90630          1            12/03/01         00
    0433496338                           05           02/01/02          0
    2015767                              O            01/01/32
    0

    6713186          E33/G01             F          800,000.00         ZZ
                                         360        799,276.79          1
                                       6.500          5,056.54         62
                                       6.250          5,056.54
    LAKE FOREST      IL   60045          5            11/23/01         00
    0433424884                           03           01/01/02          0
    WEHMER                               O            12/01/31
    0

    6715016          K21/G01             F          475,000.00         ZZ
                                         360        475,000.00          1
                                       6.750          3,080.84         57
                                       6.500          3,080.84
    LOS ANGELES      CA   90077          2            12/24/01         00
    0433512266                           01           02/01/02          0
    0116128                              O            01/01/32
    0

    6715280          026/G01             F          337,000.00         T
                                         360        336,709.85          1
                                       6.750          2,185.78         60
                                       6.500          2,185.78
    HILTON HEAD ISL  SC   29928          2            11/19/01         00
    0433417508                           03           01/01/02          0
    0201386721                           O            12/01/31
    0

    6716556          956/G01             F          385,000.00         ZZ
                                         360        384,660.32          1
                                       6.625          2,465.20         35
                                       6.375          2,465.20
1

    GREAT FALLS      VA   22066          2            11/14/01         00
    0433482098                           05           01/01/02          0
    441100049                            O            12/01/31
    0

    6716646          Q97/G01             F          434,000.00         ZZ
                                         360        434,000.00          1
                                       6.625          2,778.95         79
                                       6.375          2,778.95
    SOUTH RIDING     VA   20152          2            12/06/01         00
    0433489051                           03           02/01/02          0
    16111206                             O            01/01/32
    0

    6717230          369/G01             F          320,000.00         ZZ
                                         240        320,000.00          1
                                       6.625          2,409.44         68
                                       6.375          2,409.44
    HOCKESSIN        DE   19707          5            12/05/01         00
    0433506599                           05           02/01/02          0
    19262270                             O            01/01/22
    0

    6717792          U05/G01             F          342,900.00         ZZ
                                         360        342,900.00          1
                                       7.250          2,339.18         57
                                       7.000          2,339.18
    CONROE           TX   77304          5            12/07/01         00
    0433526555                           05           02/01/02          0
    3188803                              O            01/01/32
    0

    6717898          964/G01             F          460,000.00         ZZ
                                         360        459,622.94          1
                                       7.000          3,060.39         78
                                       6.750          3,060.39
    COVINA (AREA)    CA   91724          2            11/14/01         00
    0433486222                           05           01/01/02          0
    154996                               O            12/01/31
    0

    6718186          964/G01             F          650,000.00         ZZ
                                         360        649,426.52          1
                                       6.625          4,162.02         57
                                       6.375          4,162.02
    BURLINGAME       CA   94010          2            11/05/01         00
    0433425469                           05           01/01/02          0
    152959                               O            12/01/31
    0
1

    6718794          K21/G01             F          303,000.00         ZZ
                                         360        302,739.13          1
                                       6.750          1,965.25         75
                                       6.500          1,965.25
    PHOENIX          AZ   85007          2            11/20/01         00
    0433461134                           05           01/01/02          0
    0116116                              O            12/01/31
    0

    6719136          758/G01             F          401,200.00         ZZ
                                         360        400,862.94          1
                                       6.875          2,635.60         65
                                       6.625          2,635.60
    BARTONVILLE      TX   76226          2            11/26/01         00
    0433479300                           05           01/01/02          0
    420214                               O            12/01/31
    0

    6719582          926/926             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.750          2,205.24         63
                                       6.500          2,205.24
    HILTON HEAD ISL  SC   29928          2            12/13/01         00
    01119589                             03           02/01/02          0
    01119589                             O            01/01/32
    0

    6720012          N47/G01             F          422,000.00         ZZ
                                         360        422,000.00          1
                                       6.750          2,737.08         44
                                       6.500          2,737.08
    CASTRO VALLEY    CA   94546          2            12/06/01         00
    0433512241                           05           02/01/02          0
    20211952                             O            01/01/32
    0

    6721602          N47/G01             F          377,000.00         ZZ
                                         360        377,000.00          1
                                       6.750          2,445.21         85
                                       6.500          2,445.21
    EDMONDS          WA   98026          2            12/01/01         04
    0433495637                           05           02/01/02         12
    20410379                             O            01/01/32
    0

    6723218          994/X14             F          347,500.00         ZZ
                                         360        346,928.64          1
1

                                       7.000          2,311.93         77
                                       6.750          2,311.93
    ALBUQUERQUE      NM   87111          2            10/24/01         00
    218931321                            03           12/01/01          0
    218931321                            O            11/01/31
    0

    6723558          994/X14             F          506,000.00         ZZ
                                         360        505,208.16          1
                                       7.250          3,451.81         78
                                       7.000          3,451.81
    GREENWOOD        MO   64034          2            10/26/01         00
    81248850                             05           12/01/01          0
    81248850                             O            11/01/31
    0

    6723936          994/X14             F          396,000.00         ZZ
                                         360        395,659.05          1
                                       6.750          2,568.45         80
                                       6.500          2,568.45
    LITTLETON        CO   80123          2            11/02/01         00
    219022930                            03           01/01/02          0
    219022930                            O            12/01/31
    0

    6724568          757/G01             F          382,000.00         ZZ
                                         360        382,000.00          1
                                       6.750          2,477.65         42
                                       6.500          2,477.65
    NORTHFIELD       IL   60093          2            12/05/01         00
    0433522109                           05           02/01/02          0
    1000501799                           O            01/01/32
    0

    6724698          964/G01             F          385,000.00         ZZ
                                         360        384,668.53          1
                                       6.750          2,497.10         69
                                       6.500          2,497.10
    LOS ANGELES      CA   90045          5            11/26/01         00
    0433536810                           05           01/01/02          0
    167846                               O            12/01/31
    0

    6724918          994/X14             F          450,000.00         ZZ
                                         360        449,241.73          1
                                       6.875          2,956.18         45
                                       6.625          2,956.18
    COLUMBUS         IN   47201          2            10/24/01         00
    81067125                             05           12/01/01          0
1

    81067125                             O            11/01/31
    0

    6726690          757/G01             F          325,000.00         ZZ
                                         352        324,712.21          1
                                       6.875          2,149.77         73
                                       6.625          2,149.77
    MOBILE           AL   36695          4            11/16/01         00
    0433538360                           05           01/01/02          0
    1000152312                           O            04/01/31
    0

    6729246          X43/G01             F          520,500.00         ZZ
                                         360        520,500.00          1
                                       7.000          3,462.90         59
                                       6.750          3,462.90
    PALM DESERT      CA   92211          1            12/03/01         00
    0433502572                           03           02/01/02          0
    R1101004                             O            01/01/32
    0

    6729836          994/X14             F          336,000.00         ZZ
                                         360        335,433.82          1
                                       6.875          2,207.28         79
                                       6.625          2,207.28
    CANTON TOWNSHIP  MI   48188          2            10/25/01         00
    218925646                            05           12/01/01          0
    218925646                            O            11/01/31
    0

    6729936          994/X14             F          650,000.00         ZZ
                                         360        649,412.39          1
                                       6.500          4,108.44         47
                                       6.250          4,108.44
    WEST DES MOINES  IA   50265          2            10/29/01         00
    404319324                            05           01/01/02          0
    404319324                            O            12/01/31
    0

    6730016          994/X14             F          318,750.00         ZZ
                                         360        318,238.68          1
                                       7.125          2,147.48         75
                                       6.875          2,147.48
    PLACENTIA        CA   92870          1            10/09/01         00
    404445696                            05           12/01/01          0
    404445696                            O            11/01/31
    0

1

    6730070          B57/G01             F          515,000.00         ZZ
                                         360        514,577.86          1
                                       7.000          3,426.31         51
                                       6.750          3,426.31
    LOS ANGELES      CA   90024          2            11/23/01         00
    0433437084                           05           01/01/02          0
    2117150                              O            12/01/31
    0

    6730082          994/X14             F          400,000.00         ZZ
                                         360        399,672.12          1
                                       7.000          2,661.21         66
                                       6.750          2,661.21
    FRANKLIN         WI   53132          5            11/02/01         00
    404216223                            05           01/01/02          0
    404216223                            O            12/01/31
    0

    6730206          994/X14             F          405,000.00         ZZ
                                         300        403,936.33          1
                                       6.625          2,766.31         52
                                       6.375          2,766.31
    MAGNOLIA         MA   01930          5            10/26/01         00
    1000237976                           05           12/01/01          0
    1000237976                           O            11/01/26
    0

    6730528          M96/G01             F          349,000.00         ZZ
                                         360        348,692.08          1
                                       6.625          2,234.69         58
                                       6.375          2,234.69
    ADA              MI   49301          2            11/28/01         00
    0433447844                           05           01/01/02          0
    200102771                            O            12/01/31
    0

    6730564          994/X14             F          324,300.00         ZZ
                                         360        323,766.79          1
                                       7.000          2,157.58         79
                                       6.750          2,157.58
    HOUSTON          TX   77006          2            10/23/01         00
    404222945                            05           12/01/01          0
    404222945                            O            11/01/31
    0

    6730630          994/X14             F          343,150.00         ZZ
                                         360        342,571.75          1
                                       6.875          2,254.26         74
                                       6.625          2,254.26
1

    ASHLAND          MA   01721          2            10/18/01         00
    1000353805                           05           12/01/01          0
    1000353805                           O            11/01/31
    0

    6730810          994/X14             F          323,200.00         ZZ
                                         360        322,628.11          1
                                       6.625          2,069.49         80
                                       6.375          2,069.49
    GLEN ROCK        NJ   07452          1            10/30/01         00
    1000288949                           05           12/01/01          0
    1000288949                           O            11/01/31
    0

    6730846          994/X14             F          540,000.00         ZZ
                                         360        539,535.07          1
                                       6.750          3,502.43         64
                                       6.500          3,502.43
    VILLA HILLS      KY   41017          2            11/01/01         00
    404305639                            05           01/01/02          0
    404305639                            O            12/01/31
    0

    6730968          550/550             F        1,000,000.00         ZZ
                                         360        999,122.02          1
                                       6.650          6,419.65         46
                                       6.400          6,419.65
    SAN FRANCISCO    CA   94114          1            11/15/01         00
    120555326                            05           01/01/02          0
    120555326                            O            12/01/31
    0

    6731120          994/X14             F          493,400.00         ZZ
                                         360        492,608.52          1
                                       7.125          3,324.13         75
                                       6.875          3,324.13
    SAN FRANCISCO    CA   94116          2            10/23/01         00
    21958639                             05           12/01/01          0
    21958639                             O            11/01/31
    0

    6731200          E82/G01             F          261,000.00         ZZ
                                         360        260,769.73          1
                                       6.625          1,671.21         70
                                       6.375          1,671.21
    LIVERMORE        CA   94550          2            11/20/01         00
    0400537833                           05           01/01/02          0
    1740111                              O            12/01/31
    0
1

    6731208          E82/G01             F          295,800.00         ZZ
                                         360        295,551.49          1
                                       6.875          1,943.20         78
                                       6.625          1,943.20
    CHESTERFIELD     MO   63005          2            11/15/01         00
    0400533840                           03           01/01/02          0
    0400533840                           O            12/01/31
    0

    6731212          E82/G01             F          288,200.00         ZZ
                                         360        287,951.87          1
                                       6.750          1,869.26         67
                                       6.500          1,869.26
    RIVERSIDE        CA   92508          2            11/21/01         00
    0400532784                           05           01/01/02          0
    2911361                              O            12/01/31
    0

    6731214          E82/G01             F          463,000.00         ZZ
                                         360        462,611.02          1
                                       6.875          3,041.58         66
                                       6.625          3,041.58
    VALLEY VILLAGE   CA   91607          2            11/16/01         00
    0400529467                           05           01/01/02          0
    0400529467                           O            12/01/31
    0

    6731216          E82/G01             F          758,400.00         ZZ
                                         360        757,762.85          1
                                       6.875          4,982.15         79
                                       6.625          4,982.15
    WASHINGTON       DC   20007          2            11/14/01         00
    0400528295                           05           01/01/02          0
    4056300                              O            12/01/31
    0

    6731218          E82/G01             F          504,000.00         ZZ
                                         360        503,566.07          1
                                       6.750          3,268.93         80
                                       6.500          3,268.93
    SAN BRUNO        CA   94066          2            11/21/01         00
    0400520573                           05           01/01/02          0
    4108858                              O            12/01/31
    0

    6731226          E82/G01             F          159,400.00         ZZ
                                         360        159,259.36          1
1

                                       6.625          1,020.66         70
                                       6.375          1,020.66
    CENTRAL POINT    OR   97502          2            11/26/01         00
    0400533691                           05           01/01/02          0
    1597852                              O            12/01/31
    0

    6731240          E82/G01             F          406,000.00         ZZ
                                         360        405,658.91          1
                                       6.875          2,667.13         70
                                       6.625          2,667.13
    RANCHO CUCAMONG  CA   91737          2            11/09/01         00
    0400524179                           05           01/01/02          0
    3671181                              O            12/01/31
    0

    6731244          E82/G01             F          303,000.00         ZZ
                                         360        300,345.45          1
                                       6.875          1,990.49         70
                                       6.625          1,990.49
    JORDAN           MN   55352          2            11/26/01         00
    0400526380                           05           01/01/02          0
    3855339                              O            12/01/31
    0

    6731246          E82/G01             F          311,800.00         ZZ
                                         360        311,538.05          1
                                       6.875          2,048.30         80
                                       6.625          2,048.30
    CYPRESS          CA   90630          2            11/20/01         00
    0400520243                           05           01/01/02          0
    0400520243                           O            12/01/31
    0

    6731256          E82/G01             F          344,500.00         ZZ
                                         360        344,210.58          1
                                       6.875          2,263.12         78
                                       6.625          2,263.12
    SAN RAMON        CA   94583          2            11/26/01         00
    0400519252                           09           01/01/02          0
    4013249                              O            12/01/31
    0

    6731258          E82/G01             F          328,400.00         ZZ
                                         360        328,117.25          1
                                       6.750          2,130.00         57
                                       6.500          2,130.00
    LOS ANGELES      CA   91364          2            11/23/01         00
    0400520110                           05           01/01/02          0
1

    1784852                              O            12/01/31
    0

    6731270          E82/G01             F          347,800.00         T
                                         360        347,507.80          1
                                       6.875          2,284.80         59
                                       6.625          2,284.80
    CRESTED BUTTE    CO   81224          2            11/13/01         00
    0400463659                           05           01/01/02          0
    0400463659                           O            12/01/31
    0

    6731272          E82/G01             F          242,400.00         ZZ
                                         360        242,196.35          1
                                       6.875          1,592.40         51
                                       6.625          1,592.40
    FRESNO           CA   93727          2            11/19/01         00
    0400529103                           03           01/01/02          0
    0400529103                           O            12/01/31
    0

    6731280          E82/G01             F          307,000.00         ZZ
                                         360        306,742.08          1
                                       6.875          2,016.77         32
                                       6.625          2,016.77
    PLEASANTON       CA   94566          2            11/20/01         00
    0400538393                           03           01/01/02          0
    0400538393                           O            12/01/31
    0

    6731284          E82/G01             F          342,700.00         ZZ
                                         360        342,412.09          1
                                       6.875          2,251.30         65
                                       6.625          2,251.30
    PLEASANTON       CA   94566          2            11/14/01         00
    0400518627                           05           01/01/02          0
    0400518627                           O            12/01/31
    0

    6731296          E82/G01             F          239,100.00         ZZ
                                         360        238,894.14          1
                                       6.750          1,550.80         60
                                       6.500          1,550.80
    WATERFORD TOWNS  MI   48328          2            11/26/01         00
    0400524260                           29           01/01/02          0
    0400524260                           O            12/01/31
    0

1

    6731364          994/X14             F          648,000.00         ZZ
                                         360        647,481.80          1
                                       7.125          4,365.70         69
                                       6.875          4,365.70
    TUCSON           AZ   85718          2            11/01/01         00
    218960775                            03           01/01/02          0
    218960775                            O            12/01/31
    0

    6731382          994/X14             F          468,750.00         ZZ
                                         360        467,960.14          1
                                       6.875          3,079.35         75
                                       6.625          3,079.35
    ST PETERSBURG    FL   33703          5            10/25/01         00
    403827846                            05           12/01/01          0
    403827846                            O            11/01/31
    0

    6731970          994/X14             F          330,000.00         ZZ
                                         360        329,430.16          1
                                       6.750          2,140.37         80
                                       6.500          2,140.37
    POOLESVILLE      MD   20837          2            10/29/01         00
    218890303                            05           12/01/01          0
    218890303                            O            11/01/31
    0

    6732348          994/X14             F          480,000.00         ZZ
                                         360        479,576.51          1
                                       6.625          3,073.49         80
                                       6.375          3,073.49
    SCOTTSDALE       AZ   85260          2            11/01/01         00
    219022229                            03           01/01/02          0
    219022229                            O            12/01/31
    0

    6732536          E22/G01             F          340,000.00         ZZ
                                         360        339,734.77          1
                                       7.250          2,319.40         80
                                       7.000          2,319.40
    HAYWARD          CA   94541          2            11/19/01         00
    0413045113                           05           01/01/02          0
    0413045113                           O            12/01/31
    0

    6732542          E22/G01             F          760,000.00         ZZ
                                         360        759,392.24          1
                                       7.125          5,120.26         59
                                       6.875          5,120.26
1

    REDMOND          WA   98052          2            11/20/01         00
    0413070012                           05           01/01/02          0
    0413070012                           O            12/01/31
    0

    6732576          E22/G01             F          364,000.00         ZZ
                                         360        363,708.91          1
                                       7.125          2,452.34         75
                                       6.875          2,452.34
    SAN ANTONIO      TX   78258          5            11/20/01         00
    0413188178                           03           01/01/02          0
    0413188178                           O            12/01/31
    0

    6732582          E22/G01             F          475,400.00         ZZ
                                         360        474,959.68          1
                                       6.375          2,965.88         70
                                       6.125          2,965.88
    CARLSBAD         CA   92009          2            11/16/01         00
    0413202763                           03           01/01/02          0
    0413202763                           O            12/01/31
    0

    6732586          E22/G01             F          465,000.00         ZZ
                                         360        464,579.63          1
                                       6.500          2,939.12         57
                                       6.250          2,939.12
    NEWPORT BEACH    CA   92660          2            11/15/01         00
    0413205337                           01           01/01/02          0
    0413205337                           O            12/01/31
    0

    6732588          E22/G01             F          375,000.00         ZZ
                                         360        374,677.14          1
                                       6.750          2,432.24         75
                                       6.500          2,432.24
    SHERMAN OAKS     CA   91423          5            11/15/01         00
    0413205576                           05           01/01/02          0
    0413205576                           O            12/01/31
    0

    6732590          E22/G01             F          308,000.00         ZZ
                                         360        307,721.56          1
                                       6.500          1,946.77         68
                                       6.250          1,946.77
    HUNTINGTON BEAC  CA   92646          2            11/16/01         00
    0413209255                           05           01/01/02          0
    0413209255                           O            12/01/31
    0
1

    6732596          E22/G01             F          425,000.00         T
                                         360        424,625.03          1
                                       6.625          2,721.32         48
                                       6.375          2,721.32
    GLOUCESTER       MA   01930          2            11/26/01         00
    0413211756                           05           01/01/02          0
    0413211756                           O            12/01/31
    0

    6732604          E22/G01             F          430,000.00         ZZ
                                         360        429,611.28          1
                                       6.500          2,717.89         67
                                       6.250          2,717.89
    CORAL GABLES     FL   33134          2            11/16/01         00
    0413216573                           05           01/01/02          0
    0413216573                           O            12/01/31
    0

    6732618          E22/G01             F          522,000.00         ZZ
                                         360        521,550.57          1
                                       6.750          3,385.68         39
                                       6.500          3,385.68
    KENTFIELD        CA   94904          2            11/13/01         00
    0413233834                           05           01/01/02          0
    0413233834                           O            12/01/31
    0

    6732636          E22/G01             F          358,400.00         ZZ
                                         360        358,098.90          1
                                       6.875          2,354.43         80
                                       6.625          2,354.43
    WALNUT CREEK     CA   94595          1            11/20/01         00
    0413250697                           05           01/01/02          0
    0413250697                           O            12/01/31
    0

    6732652          E22/G01             F          500,000.00         ZZ
                                         360        499,569.51          1
                                       6.750          3,242.99         39
                                       6.500          3,242.99
    LAGUNA BEACH     CA   92651          2            11/20/01         00
    0413265927                           05           01/01/02          0
    0413265927                           O            12/01/31
    0

    6732666          E22/G01             F          202,800.00         ZZ
                                         360        202,621.08          1
1

                                       6.625          1,298.55         58
                                       6.375          1,298.55
    DALLAS           TX   75206          5            11/21/01         00
    0413283276                           05           01/01/02          0
    0413283276                           O            12/01/31
    0

    6732692          E22/G01             F          345,000.00         ZZ
                                         360        344,717.21          1
                                       7.000          2,295.29         63
                                       6.750          2,295.29
    BURLINGTON       MA   01803          2            11/23/01         00
    0413304700                           05           01/01/02          0
    0413304700                           O            12/01/31
    0

    6732702          E22/G01             F          442,500.00         ZZ
                                         360        442,096.88          1
                                       6.500          2,796.90         48
                                       6.250          2,796.90
    ALAMEDA          CA   94501          5            11/16/01         00
    0413309097                           05           01/01/02          0
    0413309097                           O            12/01/31
    0

    6732710          E22/G01             F          402,500.00         ZZ
                                         360        402,144.89          1
                                       6.625          2,577.25         70
                                       6.375          2,577.25
    MORGAN HILL      CA   95037          5            11/16/01         00
    0413313560                           05           01/01/02          0
    0413313560                           O            12/01/31
    0

    6734348          L94/G01             F          306,000.00         ZZ
                                         360        305,723.37          1
                                       6.500          1,934.13         53
                                       6.250          1,934.13
    PARK CITY        UT   84060          2            11/26/01         00
    0433466067                           05           01/01/02          0
    1000007346                           O            12/01/31
    0

    6735356          994/X14             F          575,000.00         ZZ
                                         360        574,007.09          1
                                       6.750          3,729.44         75
                                       6.500          3,729.44
    BOCA RATON       FL   33432          1            11/01/01         00
    218927899                            03           12/01/01          0
1

    218927899                            O            11/01/31
    0

    6736908          R84/G01             F          396,650.00         ZZ
                                         360        396,650.00          1
                                       6.625          2,539.80         53
                                       6.375          2,539.80
    HOUSTON          TX   77005          2            12/06/01         00
    0433494580                           05           02/01/02          0
    0511458                              O            01/01/32
    0

    6737010          994/X14             F          375,000.00         ZZ
                                         360        374,336.46          1
                                       6.625          2,401.17         67
                                       6.375          2,401.17
    BABYLON VILLAGE  NY   11702          1            10/22/01         00
    1000322284                           05           12/01/01          0
    1000322284                           O            11/01/31
    0

    6737630          994/X14             F          330,000.00         ZZ
                                         360        329,430.16          1
                                       6.750          2,140.37         76
                                       6.500          2,140.37
    LEXINGTON        SC   29072          2            10/26/01         00
    81097357                             05           12/01/01          0
    81097357                             O            11/01/31
    0

    6737810          S43/G01             F          320,600.00         ZZ
                                         360        320,600.00          1
                                       6.750          2,079.41         76
                                       6.500          2,079.41
    CORRALES         NM   87048          2            12/06/01         00
    0433483047                           05           02/01/02          0
    000871                               O            01/01/32
    0

    6737880          893/G01             F          528,000.00         ZZ
                                         360        527,567.20          1
                                       7.000          3,512.80         80
                                       6.750          3,512.80
    FOSTER CITY      CA   94404          1            11/28/01         00
    0433470275                           05           01/01/02          0
    M11102041                            O            12/01/31
    0

1

    6737894          M29/G01             F          591,500.00         ZZ
                                         360        591,500.00          1
                                       6.750          3,836.46         65
                                       6.500          3,836.46
    DENVER           CO   80220          2            12/04/01         00
    0433431749                           05           02/01/02          0
    0111183DM                            O            01/01/32
    0

    6738046          893/G01             F          463,600.00         ZZ
                                         360        463,600.00          1
                                       7.000          3,084.34         80
                                       6.750          3,084.34
    REDWOOD CITY     CA   94062          1            12/04/01         00
    0433486941                           05           02/01/02          0
    M10927051                            O            01/01/32
    0

    6738184          N28/G01             F          308,000.00         ZZ
                                         360        307,734.82          1
                                       6.750          1,997.68         80
                                       6.500          1,997.68
    BEAVERTON        OR   97006          2            11/16/01         00
    0433492022                           03           01/01/02          0
    25533                                O            12/01/31
    0

    6738584          956/G01             F          322,300.00         ZZ
                                         360        322,029.23          1
                                       6.875          2,117.28         78
                                       6.625          2,117.28
    BRENTWOOD        CA   94513          2            11/01/01         00
    0433417995                           05           01/01/02          0
    211100060                            O            12/01/31
    0

    6738910          994/X14             F          530,000.00         ZZ
                                         360        529,106.93          1
                                       6.875          3,481.72         76
                                       6.625          3,481.72
    GAITHERSBURG     MD   20882          2            10/22/01         00
    218921488                            05           12/01/01          0
    218921488                            O            11/01/31
    0

    6739446          975/G01             F          390,000.00         ZZ
                                         360        390,000.00          1
                                       6.750          2,529.53         63
                                       6.500          2,529.53
1

    SOUTH PASADENA   CA   91030          1            12/10/01         00
    0433512779                           05           02/01/02          0
    2015932                              O            01/01/32
    0

    6739460          757/G01             F          392,000.00         ZZ
                                         360        392,000.00          1
                                       6.750          2,542.51         72
                                       6.500          2,542.51
    LAGRANGE         IL   60525          5            12/11/01         00
    0433536463                           05           02/01/02          0
    4FEDORUKJOSE                         O            01/01/32
    0

    6739484          994/X14             F          450,000.00         ZZ
                                         360        449,184.18          1
                                       6.500          2,844.31         73
                                       6.250          2,844.31
    CARLSBAD         CA   92009          1            10/19/01         00
    1000271210                           05           12/01/01          0
    1000271210                           O            11/01/31
    0

    6740244          994/X14             F          320,000.00         ZZ
                                         360        319,447.43          1
                                       6.750          2,075.51         78
                                       6.500          2,075.51
    LIBERTYVILLE     IL   60048          2            10/22/01         00
    218904344                            05           12/01/01          0
    218904344                            O            11/01/31
    0

    6741334          696/G01             F          418,100.00         ZZ
                                         360        417,748.74          1
                                       6.875          2,746.62         79
                                       6.625          2,746.62
    FAIRFAX          VA   22031          2            11/20/01         00
    0433443801                           05           01/01/02          0
    21701320                             O            12/01/31
    0

    6741338          696/G01             F          370,000.00         ZZ
                                         360        369,681.44          1
                                       6.750          2,399.81         50
                                       6.500          2,399.81
    GREAT FALLS      VA   22066          5            11/23/01         00
    0433443280                           05           01/01/02          0
    25201126                             O            12/01/31
    0
1

    6742434          994/X14             F          597,400.00         ZZ
                                         360        596,393.35          1
                                       6.875          3,924.49         65
                                       6.625          3,924.49
    SCOTTSDALE       AZ   85259          5            10/17/01         00
    218888281                            03           12/01/01          0
    218888281                            O            11/01/31
    0

    6743188          994/X14             F          342,000.00         ZZ
                                         360        341,423.71          1
                                       6.875          2,246.70         90
                                       6.625          2,246.70
    MESA             AZ   85215          1            10/15/01         11
    218905366                            03           12/01/01         25
    218905366                            O            11/01/31
    0

    6744048          E23/G01             F          354,200.00         ZZ
                                         360        354,200.00          1
                                       6.750          2,297.33         80
                                       6.500          2,297.33
    SAN MARCOS       CA   92078          1            12/04/01         00
    0433518966                           03           02/01/02          0
    11005922                             O            01/01/32
    0

    6746256          R84/G01             F          362,000.00         ZZ
                                         360        362,000.00          1
                                       6.750          2,347.93         90
                                       6.500          2,347.93
    LAS VEGAS        NM   89117          1            12/04/01         10
    0433479193                           03           02/01/02         25
    LVW3315                              O            01/01/32
    0

    6746538          E11/G01             F          552,000.00         ZZ
                                         360        551,500.98          1
                                       6.500          3,489.02         74
                                       6.250          3,489.02
    MINNETRISTA      MN   55364          2            11/16/01         00
    0433484441                           05           01/01/02          0
    0010001038033                        O            12/01/31
    0

    6746878          822/G01             F          388,000.00         ZZ
                                         360        387,362.05          1
1

                                       7.000          2,581.38         71
                                       6.750          2,581.38
    MEDIA            PA   19063          2            10/26/01         00
    0433404738                           05           12/01/01          0
    3626076202                           O            11/01/31
    0

    6747780          N47/G01             F          357,800.00         ZZ
                                         360        357,800.00          1
                                       6.875          2,350.49         90
                                       6.625          2,350.49
    OAKLAND          CA   94619          1            12/05/01         11
    0433512076                           03           02/01/02         25
    20510087                             O            01/01/32
    0

    6748918          W53/G01             F          316,300.00         ZZ
                                         360        316,027.67          1
                                       6.750          2,051.52         43
                                       6.500          2,051.52
    AUSTIN           TX   78703          2            11/05/01         00
    0433468659                           05           01/01/02          0
    8990765600                           O            12/01/31
    0

    6749730          994/X14             F          334,700.00         ZZ
                                         360        333,806.85          1
                                       6.875          2,198.74         80
                                       6.625          2,198.74
    LONGMONT         CO   80503          1            10/26/01         00
    218985699                            03           12/01/01          0
    218985699                            O            11/01/31
    0

    6750032          994/X14             F          425,000.00         ZZ
                                         360        424,266.12          1
                                       6.750          2,756.54         80
                                       6.500          2,756.54
    PARKLAND         FL   33067          1            10/31/01         00
    218999971                            03           12/01/01          0
    218999971                            O            11/01/31
    0

    6750152          994/X14             F          352,900.00         ZZ
                                         360        352,305.34          1
                                       6.875          2,318.30         76
                                       6.625          2,318.30
    STILLWATER       MN   55082          2            10/24/01         00
    81131844                             05           12/01/01          0
1

    81131844                             O            11/01/31
    0

    6750292          944/G01             F          397,000.00         ZZ
                                         360        396,632.29          1
                                       6.375          2,476.77         19
                                       6.125          2,476.77
    LA JOLLA         CA   92037          2            11/07/01         00
    0433415205                           05           01/01/02          0
    W01090724                            O            12/01/31
    0

    6750378          994/X14             F          432,000.00         ZZ
                                         360        431,235.62          1
                                       6.625          2,766.14         67
                                       6.375          2,766.14
    WESTLAKE VILLAG  CA   91361          2            10/15/01         00
    218914889                            03           12/01/01          0
    218914889                            O            11/01/31
    0

    6752052          E22/G01             F          456,500.00         ZZ
                                         360        456,116.48          1
                                       6.875          2,998.88         68
                                       6.625          2,998.88
    SAN MATEO        CA   94403          2            11/20/01         00
    0413101478                           05           01/01/02          0
    0413101478                           O            12/01/31
    0

    6752060          E22/G01             F          371,000.00         ZZ
                                         360        370,672.68          1
                                       6.625          2,375.55         40
                                       6.375          2,375.55
    DANVILLE         CA   94506          2            11/15/01         00
    0413164187                           03           01/01/02          0
    0413164187                           O            12/01/31
    0

    6752066          E22/G01             F          313,500.00         ZZ
                                         360        313,236.62          1
                                       6.875          2,059.47         95
                                       6.625          2,059.47
    WALPOLE          MA   02081          1            11/29/01         04
    0413175878                           05           01/01/02         30
    0413175878                           O            12/01/31
    0

1

    6752098          E22/G01             F          475,000.00         ZZ
                                         360        474,610.64          1
                                       7.000          3,160.19         80
                                       6.750          3,160.19
    SIMI VALLEY      CA   93065          2            11/19/01         00
    0413213398                           03           01/01/02          0
    0413213398                           O            12/01/31
    0

    6752114          E22/G01             F          304,000.00         ZZ
                                         360        303,731.78          1
                                       6.625          1,946.55         72
                                       6.375          1,946.55
    SAN DIEGO        CA   92116          2            11/21/01         00
    0413224437                           05           01/01/02          0
    0413224437                           O            12/01/31
    0

    6752116          E22/G01             F          975,000.00         ZZ
                                         360        974,180.88          1
                                       6.875          6,405.06         65
                                       6.625          6,405.06
    CALABASAS        CA   91302          2            11/09/01         00
    0413228362                           03           01/01/02          0
    0413228362                           O            12/01/31
    0

    6752136          E22/G01             F          303,960.00         ZZ
                                         360        303,691.82          1
                                       6.625          1,946.29         80
                                       6.375          1,946.29
    MILTON           WA   98354          1            11/15/01         00
    0413267261                           05           01/01/02          0
    0413267261                           O            12/01/31
    0

    6752142          E22/G01             F          444,000.00         ZZ
                                         360        443,598.62          1
                                       6.500          2,806.38         80
                                       6.250          2,806.38
    SAN JOSE         CA   95125          2            11/19/01         00
    0413271487                           05           01/01/02          0
    0413271487                           O            12/01/31
    0

    6752144          E22/G01             F          293,000.00         ZZ
                                         360        292,747.74          1
                                       6.750          1,900.39         74
                                       6.500          1,900.39
1

    SAN DIMAS        CA   91773          2            11/21/01         00
    0413273012                           05           01/01/02          0
    0413273012                           O            12/01/31
    0

    6752150          E22/G01             F          517,000.00         ZZ
                                         360        516,543.86          1
                                       6.625          3,310.41         58
                                       6.375          3,310.41
    DALLAS           TX   75252          5            11/20/01         00
    0413279217                           03           01/01/02          0
    0413279217                           O            12/01/31
    0

    6752152          E22/G01             F          367,500.00         ZZ
                                         360        364,204.17          1
                                       6.625          2,353.14         78
                                       6.375          2,353.14
    YORBA LINDA      CA   92887          2            11/21/01         00
    0413280926                           05           01/01/02          0
    0413280926                           O            12/01/31
    0

    6752156          E22/G01             F          343,460.00         ZZ
                                         360        343,171.45          1
                                       6.875          2,256.29         80
                                       6.625          2,256.29
    STEVENSON RANCH  CA   91381          1            11/16/01         00
    0413282195                           03           01/01/02          0
    0413282195                           O            12/01/31
    0

    6752176          E22/G01             F          756,000.00         ZZ
                                         360        755,316.57          1
                                       6.500          4,778.43         70
                                       6.250          4,778.43
    FREMONT          CA   94539          1            11/21/01         00
    0413307174                           05           01/01/02          0
    0413307174                           O            12/01/31
    0

    6752180          E22/G01             F          460,000.00         ZZ
                                         360        459,573.95          1
                                       6.375          2,869.80         78
                                       6.125          2,869.80
    SAN JOSE         CA   95136          1            11/26/01         00
    0413312083                           05           01/01/02          0
    0413312083                           O            12/01/31
    0
1

    6752184          E22/G01             F          530,000.00         ZZ
                                         360        529,509.12          1
                                       6.375          3,306.51         53
                                       6.125          3,306.51
    MERCER ISLAND    WA   98040          2            11/20/01         00
    0413313875                           03           01/01/02          0
    0413313875                           O            12/01/31
    0

    6752190          E22/G01             F          370,000.00         ZZ
                                         360        369,665.52          1
                                       6.500          2,338.65         53
                                       6.250          2,338.65
    BEND             OR   97701          5            11/19/01         00
    0413319856                           05           01/01/02          0
    0413319856                           O            12/01/31
    0

    6752200          E22/G01             F          311,960.00         ZZ
                                         360        311,716.64          1
                                       7.250          2,128.12         80
                                       7.000          2,128.12
    MOORPARK         CA   93021          1            11/26/01         00
    0413326729                           05           01/01/02          0
    0413326729                           O            12/01/31
    0

    6752654          994/X14             F          584,000.00         ZZ
                                         360        582,991.55          1
                                       6.750          3,787.81         80
                                       6.500          3,787.81
    WASHINGTON       DC   20009          2            10/23/01         00
    218900987                            07           12/01/01          0
    218900987                            O            11/01/31
    0

    6753742          L33/G01             F          645,000.00         ZZ
                                         360        644,458.12          1
                                       6.875          4,237.19         57
                                       6.625          4,237.19
    SILVERTHORNE     CO   80498          5            12/05/01         00
    0433492188                           05           01/01/02          0
    00930253                             O            12/01/31
    0

    6753912          F36/G01             F          442,500.00         ZZ
                                         360        442,500.00          1
1

                                       6.750          2,870.05         75
                                       6.500          2,870.05
    FOX ISLAND       WA   98333          5            12/06/01         00
    0433530466                           05           02/01/02          0
    06403577                             O            01/01/32
    0

    6753960          994/X14             F          332,000.00         ZZ
                                         360        330,665.05          1
                                       7.125          2,236.75         80
                                       6.875          2,236.75
    COLLIERVILLE     TN   38017          2            10/23/01         00
    404218409                            05           12/01/01          0
    404218409                            O            11/01/31
    0

    6754458          994/X14             F          455,000.00         ZZ
                                         360        454,214.31          1
                                       6.750          2,951.12         77
                                       6.500          2,951.12
    CHANTILLY        VA   20151          2            10/29/01         00
    218926792                            03           12/01/01          0
    218926792                            O            11/01/31
    0

    6756132          950/G01             F          516,000.00         ZZ
                                         360        515,555.73          1
                                       6.750          3,346.77         63
                                       6.500          3,346.77
    LAFAYETTE        CA   94549          2            11/09/01         00
    0433434388                           05           01/01/02          0
    A3110011                             O            12/01/31
    0

    6756588          994/X14             F          303,000.00         ZZ
                                         240        301,797.58          1
                                       6.750          2,303.90         53
                                       6.500          2,303.90
    NEW YORK         NY   10580          5            10/09/01         00
    403967298                            05           12/01/01          0
    403967298                            O            11/01/21
    0

    6757174          Q97/G01             F          548,000.00         ZZ
                                         360        548,000.00          1
                                       6.750          3,554.32         80
                                       6.500          3,554.32
    LEXINGTON        MA   02421          1            12/10/01         00
    0433513157                           05           02/01/02          0
1

    16100380                             O            01/01/32
    0

    6757310          E57/G01             F          510,000.00         ZZ
                                         360        509,560.90          1
                                       6.750          3,307.85         26
                                       6.500          3,307.85
    BASS LAKE        CA   93604          2            11/13/01         00
    0433438504                           05           01/01/02          0
    13001512                             O            12/01/31
    0

    6757630          F89/G01             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       7.250          2,387.62         54
                                       7.000          2,387.62
    SANTA CLARITA    CA   91355          2            12/14/01         00
    0433535739                           03           02/01/02          0
    16458                                O            01/01/32
    0

    6758272          E57/G01             F          380,000.00         ZZ
                                         360        379,664.74          1
                                       6.625          2,433.18         80
                                       6.375          2,433.18
    CYPRESS          CA   90630          1            11/19/01         00
    0433465903                           05           01/01/02          0
    06003753                             O            12/01/31
    0

    6759222          T53/G01             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.750          2,205.23         76
                                       6.500          2,205.23
    UPLAND           CA   91784          2            12/05/01         00
    0433515723                           05           02/01/02          0
    31001309                             O            01/01/32
    0

    6759954          994/X14             F          335,500.00         ZZ
                                         360        334,948.38          1
                                       7.000          2,232.09         56
                                       6.750          2,232.09
    EXCELSIOR        MN   55331          5            10/26/01         00
    218963456                            05           12/01/01          0
    218963456                            O            11/01/31
    0

1

    6760568          994/X14             F          360,800.00         ZZ
                                         360        360,221.23          1
                                       7.125          2,430.78         80
                                       6.875          2,430.78
    MCALLEN          TX   78503          2            10/22/01         00
    21885735                             03           12/01/01          0
    21885735                             O            11/01/31
    0

    6760604          994/X14             F          322,500.00         ZZ
                                         360        321,814.83          1
                                       7.250          2,200.02         75
                                       7.000          2,200.02
    ANNANDALE        VA   22003          5            10/16/01         00
    218885386                            05           12/01/01          0
    218885386                            O            11/01/31
    0

    6760740          M27/G01             F          378,750.00         ZZ
                                         360        378,750.00          1
                                       6.875          2,488.12         73
                                       6.625          2,488.12
    WAKE FOREST      NC   27587          5            12/10/01         00
    0433511730                           05           02/01/02          0
    600687663                            O            01/01/32
    0

    6761500          R65/G01             F          592,000.00         ZZ
                                         360        592,000.00          1
                                       6.500          3,741.84         62
                                       6.250          3,741.84
    WARREN           NJ   07059          5            12/06/01         00
    0433485141                           05           02/01/02          0
    20015990                             O            01/01/32
    0

    6761508          994/X14             F          336,000.00         ZZ
                                         360        335,419.79          1
                                       6.750          2,179.29         80
                                       6.500          2,179.29
    KINGWOOD         TX   77345          1            10/15/01         00
    404223546                            03           12/01/01          0
    404223546                            O            11/01/31
    0

    6762582          696/G01             F          650,000.00         ZZ
                                         360        649,440.36          1
                                       6.750          4,215.89         73
                                       6.500          4,215.89
1

    WASHINGTON       DC   20016          1            11/16/01         00
    0433426046                           05           01/01/02          0
    25601211                             O            12/01/31
    0

    6762584          696/G01             F          354,400.00         ZZ
                                         360        354,109.50          1
                                       7.000          2,357.83         80
                                       6.750          2,357.83
    SILVER SPRING    MD   20904          1            11/20/01         00
    0433430923                           03           01/01/02          0
    32201139                             O            12/01/31
    0

    6763136          K89/G01             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       7.000          3,326.52         67
                                       6.750          3,326.52
    FT. LAUDERDALE   FL   33332          2            12/06/01         00
    0433451598                           03           02/01/02          0
    200110056                            O            01/01/32
    0

    6764220          975/G01             F          308,000.00         ZZ
                                         360        308,000.00          1
                                       7.000          2,049.13         80
                                       6.750          2,049.13
    RANCHO PALOS VE  CA   90275          1            12/05/01         00
    0433516911                           05           02/01/02          0
    2015681                              O            01/01/32
    0

    6770092          E22/G01             F          867,000.00         ZZ
                                         360        866,271.62          1
                                       6.875          5,695.57         58
                                       6.625          5,695.57
    PLANO            TX   75093          2            11/26/01         00
    0413122201                           03           01/01/02          0
    0413122201                           O            12/01/31
    0

    6770110          E22/G01             F          365,000.00         ZZ
                                         360        364,677.96          1
                                       6.625          2,337.14         64
                                       6.375          2,337.14
    EUGENE           OR   97405          2            11/21/01         00
    0413152083                           05           01/01/02          0
    0413152083                           O            12/01/31
    0
1

    6770154          E22/G01             F          350,000.00         ZZ
                                         360        349,713.11          1
                                       7.000          2,328.56         56
                                       6.750          2,328.56
    NORTH WOODMERE   NY   11554          1            11/30/01         00
    0413202433                           05           01/01/02          0
    0413202433                           O            12/01/31
    0

    6770204          E22/G01             F          504,000.00         ZZ
                                         360        503,606.83          1
                                       7.250          3,438.17         80
                                       7.000          3,438.17
    MEDINA           MN   55340          2            11/26/01         00
    0413244815                           05           01/01/02          0
    0413244815                           O            12/01/31
    0

    6770206          E22/G01             F          324,000.00         ZZ
                                         240        323,349.19          1
                                       6.625          2,439.56         80
                                       6.375          2,439.56
    MISSION VIEJO    CA   92691          2            11/20/01         00
    0413245499                           05           01/01/02          0
    0413245499                           O            12/01/21
    0

    6770216          E22/G01             F          400,000.00         ZZ
                                         360        399,647.09          1
                                       6.625          2,561.24         75
                                       6.375          2,561.24
    GARDNERVILLE     NV   89410          2            11/26/01         00
    0413248592                           05           01/01/02          0
    0413248592                           O            12/01/31
    0

    6770276          E22/G01             F          300,000.00         ZZ
                                         360        299,728.80          1
                                       6.500          1,896.20         50
                                       6.250          1,896.20
    CAMPBELL         CA   95008          2            11/20/01         00
    0413271271                           05           01/01/02          0
    0413271271                           O            12/01/31
    0

    6770278          E22/G01             F          420,000.00         ZZ
                                         360        419,620.31          1
1

                                       6.500          2,654.69         56
                                       6.250          2,654.69
    SUNNYVALE        CA   94087          2            11/19/01         00
    0413271404                           05           01/01/02          0
    0413271404                           O            12/01/31
    0

    6770292          E22/G01             F          340,000.00         ZZ
                                         360        339,700.02          1
                                       6.625          2,177.06         60
                                       6.375          2,177.06
    ISSAQUAH         WA   98027          5            11/14/01         00
    0413274143                           03           01/01/02          0
    0413274143                           O            12/01/31
    0

    6770304          E22/G01             F          973,000.00         ZZ
                                         360        972,120.40          1
                                       6.500          6,150.02         73
                                       6.250          6,150.02
    SEATTLE          WA   98115          2            11/21/01         00
    0413278342                           05           01/01/02          0
    0413278342                           O            12/01/31
    0

    6770364          E22/G01             F          370,000.00         ZZ
                                         360        369,455.79          1
                                       6.875          2,430.64         80
                                       6.625          2,430.64
    WASHINGTON       DC   20015          5            11/26/01         00
    0413302985                           05           01/01/02          0
    0413302985                           O            12/01/31
    0

    6770368          E22/G01             F          515,000.00         ZZ
                                         360        514,577.86          1
                                       7.000          3,426.31         64
                                       6.750          3,426.31
    CAMPBELL         CA   95008          2            11/21/01         00
    0413305624                           05           01/01/02          0
    0413305624                           O            12/01/31
    0

    6770430          E22/G01             F          164,500.00         ZZ
                                         360        164,354.87          1
                                       6.625          1,053.31         70
                                       6.375          1,053.31
    SANTEE           CA   92071          1            11/28/01         00
    0413325416                           05           01/01/02          0
1

    0413325416                           O            12/01/31
    0

    6770854          E82/G01             F          466,500.00         ZZ
                                         360        466,108.09          1
                                       6.875          3,064.57         59
                                       6.625          3,064.57
    SEDONA           AZ   86336          2            11/27/01         00
    0400519914                           05           01/01/02          0
    1667618                              O            12/01/31
    0

    6770870          E82/G01             F          339,500.00         ZZ
                                         360        339,207.70          1
                                       6.750          2,201.99         63
                                       6.500          2,201.99
    NEWPORT BEACH    CA   92657          2            11/29/01         00
    0400540225                           03           01/01/02          0
    1809697                              O            12/01/31
    0

    6770890          E82/G01             F          965,000.00         ZZ
                                         360        964,265.71          1
                                       7.375          6,665.02         54
                                       7.125          6,665.02
    RANCHO SANTA FE  CA   92067          2            11/29/01         00
    0400473559                           05           01/01/02          0
    0400473559                           O            12/01/31
    0

    6770892          E82/G01             F          390,000.00         ZZ
                                         360        389,629.95          1
                                       6.250          2,401.30         74
                                       6.000          2,401.30
    SAN JOSE         CA   95127          5            11/28/01         00
    0400532271                           05           01/01/02          0
    0400532271                           O            12/01/31
    0

    6771600          G52/G01             F          329,000.00         ZZ
                                         360        328,716.74          1
                                       6.750          2,133.89         61
                                       6.500          2,133.89
    SCOTTSDALE       AZ   85259          2            11/13/01         00
    0433432952                           03           01/01/02          0
    6900001609                           O            12/01/31
    0

1

    6771944          757/G01             F          523,400.00         ZZ
                                         360        523,400.00          1
                                       6.750          3,394.77         80
                                       6.500          3,394.77
    FARMINGTON       CT   06032          2            12/14/01         00
    0433541844                           05           02/01/02          0
    1000488773                           O            01/01/32
    0

    6771996          757/G01             F          324,000.00         ZZ
                                         360        324,000.00          1
                                       6.875          2,128.45         80
                                       6.625          2,128.45
    STAMFORD         CT   06905          1            12/20/01         00
    0433540663                           05           02/01/02          0
    1000515690                           O            01/01/32
    0

    6772522          893/G01             F          310,000.00         ZZ
                                         360        309,739.56          1
                                       6.875          2,036.48         60
                                       6.625          2,036.48
    REDWOOD CITY     CA   94065          2            11/20/01         00
    0433415718                           01           01/01/02          0
    H10920031                            O            12/01/31
    0

    6773942          R65/G01             F          593,400.00         ZZ
                                         360        593,400.00          1
                                       6.875          3,898.22         54
                                       6.625          3,898.22
    BURLINGAME       CA   94010          2            12/12/01         00
    0433516747                           05           02/01/02          0
    20016102                             O            01/01/32
    0

    6774042          G18/G01             F          381,000.00         ZZ
                                         360        381,000.00          1
                                       6.500          2,408.18         74
                                       6.250          2,408.18
    MAPLE GROVE      MN   55311          2            12/05/01         00
    0433482072                           05           02/01/02          0
    1                                    O            01/01/32
    0

    6774232          N47/G01             F          780,000.00         ZZ
                                         360        780,000.00          1
                                       6.875          5,124.04         58
                                       6.625          5,124.04
1

    LOS ANGELES      CA   91423          2            12/05/01         00
    0433515095                           05           02/01/02          0
    30311816                             O            01/01/32
    0

    6776126          H58/G01             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       7.125          2,560.13         80
                                       6.875          2,560.13
    SOUTHBURY        CT   06488          2            12/17/01         00
    0433521937                           05           02/01/02          0
    000078876                            O            01/01/32
    0

    6780672          H58/G01             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       7.000          2,395.09         80
                                       6.750          2,395.09
    SAN DIEGO        CA   92128          1            12/05/01         00
    0433496437                           03           02/01/02          0
    0000080148                           O            01/01/32
    0

    6783518          624/G01             F          480,000.00         ZZ
                                         360        479,586.73          1
                                       6.750          3,113.27         80
                                       6.500          3,113.27
    SAN JOSE         CA   95118          2            11/07/01         00
    0433425519                           05           01/01/02          0
    46000610866F                         O            12/01/31
    0

    6784022          624/G01             F          313,800.00         ZZ
                                         360        313,549.06          1
                                       7.125          2,114.13         80
                                       6.875          2,114.13
    SALINAS          CA   93906          1            10/31/01         00
    0433433463                           05           01/01/02          0
    88613012084F                         O            12/01/31
    0

    6785980          A06/G01             F          190,000.00         ZZ
                                         360        189,836.41          1
                                       6.750          1,232.34         53
                                       6.500          1,232.34
    WEST BLOOMFIELD  MI   48322          5            11/23/01         00
    0433512282                           01           01/01/02          0
    001000010013357                      O            12/01/31
    0
1

    6786038          696/G01             F          377,900.00         ZZ
                                         360        377,574.64          1
                                       6.750          2,451.05         80
                                       6.500          2,451.05
    LOTHIAN          MD   20711          1            11/09/01         00
    0433443553                           03           01/01/02          0
    30501153                             O            12/01/31
    0

    6786044          696/G01             F          520,000.00         ZZ
                                         360        519,563.14          1
                                       6.875          3,416.03         80
                                       6.625          3,416.03
    BETHESDA         MD   20817          1            11/30/01         00
    0433448107                           05           01/01/02          0
    32901331                             O            12/01/31
    0

    6786048          696/G01             F          329,600.00         ZZ
                                         360        329,316.22          1
                                       6.750          2,137.78         80
                                       6.500          2,137.78
    WASHINGTON       DC   20002          1            11/15/01         00
    0433462348                           05           01/01/02          0
    31201553                             O            12/01/31
    0

    6786050          696/G01             F          568,000.00         ZZ
                                         360        567,522.81          1
                                       6.875          3,731.36         80
                                       6.625          3,731.36
    MCLEAN           VA   22102          1            11/19/01         00
    0433448297                           05           01/01/02          0
    50101196                             O            12/01/31
    0

    6786052          696/G01             F          332,850.00         ZZ
                                         360        332,570.36          1
                                       6.875          2,186.59         80
                                       6.625          2,186.59
    HAYMARKET        VA   20169          1            11/15/01         00
    0433443504                           05           01/01/02          0
    23501014                             O            12/01/31
    0

    6786054          696/G01             F          356,000.00         ZZ
                                         360        355,693.49          1
1

                                       6.750          2,309.01         80
                                       6.500          2,309.01
    SPRINGFIELD      VA   22153          1            11/15/01         00
    0433443686                           03           01/01/02          0
    21701277                             O            12/01/31
    0

    6786056          696/G01             F          331,000.00         ZZ
                                         360        330,721.92          1
                                       6.875          2,174.43         78
                                       6.625          2,174.43
    HAYMARKET        VA   20169          1            11/30/01         00
    0433443512                           03           01/01/02          0
    24501134                             O            12/01/31
    0

    6786058          696/G01             F          435,300.00         ZZ
                                         360        434,915.95          1
                                       6.625          2,787.27         80
                                       6.375          2,787.27
    LEESBURG         VA   20176          1            11/16/01         00
    0433443777                           03           01/01/02          0
    24501043                             O            12/01/31
    0

    6786066          696/G01             F          400,000.00         ZZ
                                         360        399,655.61          1
                                       6.750          2,594.39         61
                                       6.500          2,594.39
    GREAT FALLS      VA   22066          5            11/14/01         00
    0433457017                           03           01/01/02          0
    21301179                             O            12/01/31
    0

    6786074          696/G01             F          340,000.00         ZZ
                                         360        339,714.36          1
                                       6.875          2,233.56         80
                                       6.625          2,233.56
    LEESBURG         VA   20175          2            11/20/01         00
    0433449238                           03           01/01/02          0
    23301339                             O            12/01/31
    0

    6788932          B65/G01             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       7.000          2,235.42         77
                                       6.750          2,235.42
    MILLERSPORT      OH   43046          2            12/07/01         00
    0433482908                           05           02/01/02          0
1

    SR01108610                           O            01/01/32
    0

    6793284          E22/G01             F          630,000.00         ZZ
                                         360        630,000.00          1
                                       6.875          4,138.65         49
                                       6.625          4,138.65
    LOS ANGELES      CA   91607          5            11/27/01         00
    0413192956                           05           02/01/02          0
    0413192956                           O            01/01/32
    0

    6793288          E22/G01             F          332,000.00         ZZ
                                         360        331,714.15          1
                                       6.750          2,153.35         80
                                       6.500          2,153.35
    SAN DIEGO        CA   92130          1            11/09/01         00
    0413198136                           05           01/01/02          0
    0413198136                           O            12/01/31
    0

    6793298          E22/G01             F          381,600.00         ZZ
                                         360        381,279.41          1
                                       6.875          2,506.84         72
                                       6.625          2,506.84
    THOUSAND OAKS    CA   91320          2            11/26/01         00
    0413205907                           03           01/01/02          0
    0413205907                           O            12/01/31
    0

    6793304          E22/G01             F          903,000.00         ZZ
                                         360        902,241.37          1
                                       6.875          5,932.07         65
                                       6.625          5,932.07
    SAINT LOUIS      MO   63141          2            11/28/01         00
    0413210097                           05           01/01/02          0
    0413210097                           O            12/01/31
    0

    6793362          E22/G01             F          718,000.00         ZZ
                                         360        717,381.82          1
                                       6.750          4,656.93         60
                                       6.500          4,656.93
    NEWPORT BEACH    CA   92660          2            11/28/01         00
    0413264631                           03           01/01/02          0
    0413264631                           O            12/01/31
    0

1

    6793374          E22/G01             F          450,000.00         ZZ
                                         360        449,593.19          1
                                       6.500          2,844.31         47
                                       6.250          2,844.31
    SEATTLE          WA   98112          5            11/26/01         00
    0413268111                           05           01/01/02          0
    0413268111                           O            12/01/31
    0

    6793380          E22/G01             F          435,500.00         ZZ
                                         360        435,134.13          1
                                       6.875          2,860.92         69
                                       6.625          2,860.92
    BAINBRIDGE ISLA  WA   98110          5            11/21/01         00
    0413268392                           03           01/01/02          0
    0413268392                           O            12/01/31
    0

    6793382          E22/G01             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.750          2,270.09         80
                                       6.500          2,270.09
    LONG BEACH       CA   90808          5            11/26/01         00
    0413268962                           05           02/01/02          0
    0413268962                           O            01/01/32
    0

    6793386          E22/G01             F          397,000.00         ZZ
                                         360        396,641.11          1
                                       6.500          2,509.31         62
                                       6.250          2,509.31
    ARLINGTON        VA   22246          2            11/28/01         00
    0413269051                           05           01/01/02          0
    0413269051                           O            12/01/31
    0

    6793390          E22/G01             F          531,000.00         ZZ
                                         360        531,000.00          1
                                       6.125          3,226.41         69
                                       5.875          3,226.41
    ALAMO            CA   94507          5            11/27/01         00
    0413270547                           05           02/01/02          0
    0413270547                           O            01/01/32
    0

    6793392          E22/G01             F          600,000.00         ZZ
                                         360        600,000.00          1
                                       6.500          3,792.41         69
                                       6.250          3,792.41
1

    HALF MOON BAY    CA   94019          5            11/27/01         00
    0413271065                           03           02/01/02          0
    0413271065                           O            01/01/32
    0

    6793396          E22/G01             F          328,000.00         ZZ
                                         360        327,710.61          1
                                       6.625          2,100.22         60
                                       6.375          2,100.22
    PLEASANTON       CA   94566          2            11/20/01         00
    0413272022                           05           01/01/02          0
    0413272022                           O            12/01/31
    0

    6793398          E22/G01             F          409,000.00         ZZ
                                         360        409,000.00          1
                                       6.625          2,618.87         76
                                       6.375          2,618.87
    COLORADO SPRING  CO   80906          2            11/27/01         00
    0413272287                           05           02/01/02          0
    0413272287                           O            01/01/32
    0

    6793400          E22/G01             F          337,500.00         ZZ
                                         360        337,202.23          1
                                       6.625          2,161.05         70
                                       6.375          2,161.05
    PLEASANTON       CA   94566          2            11/26/01         00
    0413272535                           05           01/01/02          0
    0413272535                           O            12/01/31
    0

    6793408          E22/G01             F          549,000.00         ZZ
                                         360        548,503.70          1
                                       6.500          3,470.05         69
                                       6.250          3,470.05
    COLORADO SPRING  CO   80906          5            11/28/01         00
    0413274192                           05           01/01/02          0
    0413274192                           O            12/01/31
    0

    6793412          E22/G01             F          381,700.00         ZZ
                                         360        381,700.00          1
                                       6.500          2,412.60         55
                                       6.250          2,412.60
    LAKE OSWEGO      OR   97034          2            11/28/01         00
    0413275439                           05           02/01/02          0
    0413275439                           O            01/01/32
    0
1

    6793416          E22/G01             F          399,500.00         ZZ
                                         360        398,987.81          1
                                       6.625          2,558.04         85
                                       6.375          2,558.04
    MOORPARK         CA   93021          2            11/27/01         04
    0413275553                           03           01/01/02         12
    0413275553                           O            12/01/31
    0

    6793418          E22/G01             F          307,000.00         ZZ
                                         360        306,735.68          1
                                       6.750          1,991.20         79
                                       6.500          1,991.20
    BOTHELL          WA   98012          2            11/16/01         00
    0413275611                           05           01/01/02          0
    0413275611                           O            12/01/31
    0

    6793422          E22/G01             F          352,000.00         ZZ
                                         360        351,696.93          1
                                       6.750          2,283.07         62
                                       6.500          2,283.07
    MORAGA           CA   94556          2            11/21/01         00
    0413277906                           05           01/01/02          0
    0413277906                           O            12/01/31
    0

    6793434          E22/G01             F          328,500.00         ZZ
                                         360        328,500.00          1
                                       6.625          2,103.42         90
                                       6.375          2,103.42
    REDMOND          WA   98052          2            11/28/01         01
    0413279704                           05           02/01/02         25
    0413279704                           O            01/01/32
    0

    6793436          E22/G01             F          383,000.00         ZZ
                                         360        382,670.25          1
                                       6.750          2,484.13         46
                                       6.500          2,484.13
    BERKELEY         CA   94708          2            11/13/01         00
    0413279878                           05           01/01/02          0
    0413279878                           O            12/01/31
    0

    6793442          E22/G01             F          327,000.00         ZZ
                                         360        326,711.49          1
1

                                       6.625          2,093.82         67
                                       6.375          2,093.82
    WALNUT CREEK     CA   94598          2            11/26/01         00
    0413281387                           05           01/01/02          0
    0413281387                           O            12/01/31
    0

    6793484          E22/G01             F          348,000.00         ZZ
                                         360        347,692.97          1
                                       6.625          2,228.28         56
                                       6.375          2,228.28
    LOS ANGELES      CA   90027          2            11/26/01         00
    0413310913                           03           01/01/02          0
    0413310913                           O            12/01/31
    0

    6793500          E22/G01             F          327,000.00         ZZ
                                         360        326,704.39          1
                                       6.500          2,066.86         64
                                       6.250          2,066.86
    DALLAS           TX   75254          5            11/28/01         00
    0413322264                           05           01/01/02          0
    0413322264                           O            12/01/31
    0

    6793524          E22/G01             F          381,000.00         ZZ
                                         360        380,663.86          1
                                       6.625          2,439.58         75
                                       6.375          2,439.58
    EDMONDS          WA   98020          1            11/27/01         00
    0413333089                           05           01/01/02          0
    0413333089                           O            12/01/31
    0

    6793538          E22/G01             F          627,000.00         ZZ
                                         360        626,460.17          1
                                       6.750          4,066.71         63
                                       6.500          4,066.71
    SAN JOSE         CA   95125          2            11/27/01         00
    0413338997                           05           01/01/02          0
    0413338997                           O            12/01/31
    0

    6793552          E22/G01             F          588,500.00         ZZ
                                         360        587,967.99          1
                                       6.500          3,719.72         64
                                       6.250          3,719.72
    MORGAN HILL      CA   95037          2            11/27/01         00
    0413350349                           05           01/01/02          0
1

    0413350349                           O            12/01/31
    0

    6793758          E82/G01             F          321,000.00         ZZ
                                         360        320,730.32          1
                                       6.875          2,108.74         77
                                       6.625          2,108.74
    LAGUNA NIGUEL    CA   92677          2            11/27/01         00
    0400537882                           03           01/01/02          0
    3680403                              O            12/01/31
    0

    6793760          E82/G01             F          204,000.00         ZZ
                                         360        203,828.62          1
                                       6.875          1,340.13         48
                                       6.625          1,340.13
    SALINAS          CA   93907          2            11/26/01         00
    0400525036                           05           01/01/02          0
    3844181                              O            12/01/31
    0

    6793762          E82/G01             F          355,900.00         ZZ
                                         360        355,573.45          1
                                       7.250          2,427.87         75
                                       7.000          2,427.87
    ROSLYN HEIGHTS   NY   11577          2            11/29/01         00
    0400490876                           05           01/01/02          0
    2960861                              O            12/01/31
    0

    6793766          E82/G01             F          322,350.00         ZZ
                                         360        322,079.19          1
                                       6.875          2,117.61         77
                                       6.625          2,117.61
    REDWOOD CITY     CA   94062          2            11/28/01         00
    0400519955                           05           01/01/02          0
    0400519955                           O            12/01/31
    0

    6793776          E82/G01             F          399,900.00         ZZ
                                         360        399,564.03          1
                                       6.875          2,627.06         78
                                       6.625          2,627.06
    SANTA CRUZ       CA   95065          2            11/29/01         00
    0400517470                           03           01/01/02          0
    6793776                              O            12/01/31
    0

1

    6793778          E82/G01             F          354,850.00         ZZ
                                         360        354,551.88          1
                                       6.875          2,331.11         54
                                       6.625          2,331.11
    RANCHO PALOS VE  CA   90275          2            11/30/01         00
    0400521365                           05           01/01/02          0
    0400521365                           O            12/01/31
    0

    6793792          E82/G01             F          404,200.00         ZZ
                                         360        404,200.00          1
                                       6.875          2,655.31         58
                                       6.625          2,655.31
    NORTHPORT        ME   04849          2            11/30/01         00
    0400522363                           05           02/01/02          0
    0400522363                           O            01/01/32
    0

    6793814          E82/G01             F          360,000.00         ZZ
                                         360        359,690.05          1
                                       6.750          2,334.95         80
                                       6.500          2,334.95
    EL CERRITO       CA   94530          2            11/30/01         00
    0400529004                           05           01/01/02          0
    3843586                              O            12/01/31
    0

    6794672          964/G01             F          475,000.00         ZZ
                                         360        475,000.00          1
                                       7.000          3,160.19         74
                                       6.750          3,160.19
    DES MOINES       WA   98198          2            12/04/01         00
    0433543956                           05           02/01/02          0
    165181                               O            01/01/32
    0

    6795222          511/511             F          324,000.00         ZZ
                                         360        323,721.04          1
                                       6.750          2,101.46         73
                                       6.500          2,101.46
    FRESNO           CA   93727          1            11/13/01         00
    0002462138                           05           01/01/02          0
    0002462138                           O            12/01/31
    0

    6795240          L49/G01             F          392,000.00         ZZ
                                         360        391,662.49          1
                                       6.750          2,542.51         80
                                       6.500          2,542.51
1

    FULLERTON        CA   92835          1            11/08/01         00
    0433409810                           03           01/01/02          0
    10008186                             O            12/01/31
    0

    6795242          L49/G01             F          314,300.00         ZZ
                                         360        314,015.87          1
                                       6.500          1,986.59         80
                                       6.250          1,986.59
    DISCOVERY BAY    CA   94514          1            11/01/01         00
    0433407731                           05           01/01/02          0
    10007488                             O            12/01/31
    0

    6795244          L49/G01             F          339,450.00         ZZ
                                         360        339,157.74          1
                                       6.750          2,201.67         80
                                       6.500          2,201.67
    SAN MARCOS       CA   92078          1            11/16/01         00
    0433409190                           05           01/01/02          0
    10007608                             O            12/01/31
    0

    6795246          L49/G01             F          517,600.00         ZZ
                                         360        517,175.72          1
                                       7.000          3,443.61         80
                                       6.750          3,443.61
    FULLERTON        CA   92835          1            11/12/01         00
    0433408994                           05           01/01/02          0
    10008338                             O            12/01/31
    0

    6795248          L49/G01             F          478,400.00         ZZ
                                         360        477,967.51          1
                                       6.500          3,023.82         75
                                       6.250          3,023.82
    FULLERTON        CA   92835          1            11/02/01         00
    0433409794                           05           01/01/02          0
    10007864                             O            12/01/31
    0

    6795250          L49/G01             F          394,450.00         ZZ
                                         360        394,126.67          1
                                       7.000          2,624.29         80
                                       6.750          2,624.29
    THOUSAND OAKS    CA   91320          1            11/01/01         00
    0433409646                           05           01/01/02          0
    10007451                             O            12/01/31
    0
1

    6795252          L49/G01             F          360,000.00         ZZ
                                         360        359,697.55          1
                                       6.875          2,364.95         80
                                       6.625          2,364.95
    FAIRFIELD        CA   94533          1            11/05/01         00
    0433407293                           05           01/01/02          0
    10008148                             O            12/01/31
    0

    6795254          L49/G01             F          328,950.00         ZZ
                                         360        328,673.64          1
                                       6.875          2,160.97         53
                                       6.625          2,160.97
    UNION CITY       CA   94587          1            11/06/01         00
    0433407046                           05           01/01/02          0
    10007250                             O            12/01/31
    0

    6795256          L49/G01             F          340,000.00         ZZ
                                         360        339,721.30          1
                                       7.000          2,262.03         80
                                       6.750          2,262.03
    TRABUCO CANYON   CA   92679          2            11/09/01         00
    0433412491                           05           01/01/02          0
    10008301                             O            12/01/31
    0

    6795258          L49/G01             F          368,000.00         ZZ
                                         360        367,690.83          1
                                       6.875          2,417.50         59
                                       6.625          2,417.50
    CARLSBAD         CA   92009          2            11/13/01         00
    0433407970                           05           01/01/02          0
    10008247                             O            12/01/31
    0

    6795260          L49/G01             F          508,200.00         ZZ
                                         360        507,773.04          1
                                       6.875          3,338.52         80
                                       6.625          3,338.52
    FULLERTON        CA   92835          1            11/12/01         00
    0433409299                           05           01/01/02          0
    10006606                             O            12/01/31
    0

    6795266          L49/G01             F          328,200.00         ZZ
                                         360        327,917.43          1
1

                                       6.750          2,128.70         80
                                       6.500          2,128.70
    DISCOVERY BAY    CA   94514          1            11/02/01         00
    0433409687                           05           01/01/02          0
    10007823                             O            12/01/31
    0

    6795512          624/G01             F          307,000.00         ZZ
                                         360        306,715.66          1
                                       6.375          1,915.28         75
                                       6.125          1,915.28
    BREA             CA   92821          5            11/05/01         00
    0433426756                           03           01/01/02          0
    35000310546F                         O            12/01/31
    0

    6795726          624/G01             F          333,600.00         ZZ
                                         360        333,319.74          1
                                       6.875          2,191.51         80
                                       6.625          2,191.51
    WESTMINSTER      CA   92683          1            11/08/01         00
    0433425980                           05           01/01/02          0
    35004210803F                         O            12/01/31
    0

    6796540          624/G01             F          320,000.00         ZZ
                                         360        319,724.49          1
                                       6.750          2,075.51         59
                                       6.500          2,075.51
    BOULDER CREEK    CA   95006          2            11/07/01         00
    0433425899                           05           01/01/02          0
    46000610976F                         O            12/01/31
    0

    6796986          624/G01             F          376,000.00         ZZ
                                         360        375,676.27          1
                                       6.750          2,438.73         80
                                       6.500          2,438.73
    MOUNTAIN VIEW    CA   94043          2            11/09/01         00
    0433427028                           09           01/01/02          0
    46000611006F                         O            12/01/31
    0

    6797368          B65/G01             F          369,000.00         ZZ
                                         360        369,000.00          1
                                       6.750          2,393.33         60
                                       6.500          2,393.33
    NEW ALBANY       OH   43054          2            12/07/01         00
    0433487097                           05           02/01/02          0
1

    0512998                              O            01/01/32
    0

    6798184          420/G01             F          310,000.00         ZZ
                                         360        310,000.00          1
                                       6.750          2,010.65         74
                                       6.500          2,010.65
    PETALUMA         CA   94954          1            12/06/01         00
    0433506102                           05           02/01/02          0
    71003237                             O            01/01/32
    0

    6798246          N47/G01             F          313,500.00         ZZ
                                         360        313,500.00          1
                                       6.875          2,059.47         72
                                       6.625          2,059.47
    BERKELEY         CA   94706          2            12/19/01         00
    0433529625                           05           02/01/02          0
    20212166                             O            01/01/32
    0

    6801432          757/G01             F          358,950.00         ZZ
                                         360        358,950.00          1
                                       6.750          2,328.15         80
                                       6.500          2,328.15
    ACWORTH          GA   30101          1            12/14/01         00
    0433511698                           03           02/01/02          0
    1000499176                           O            01/01/32
    0

    6802004          E82/G01             F          391,000.00         ZZ
                                         360        390,663.36          1
                                       6.750          2,536.02         64
                                       6.500          2,536.02
    HAYWARD          CA   94541          2            11/28/01         00
    0400520805                           03           01/01/02          0
    0400520805                           O            12/01/31
    0

    6802200          550/550             F          525,000.00         ZZ
                                         360        524,534.54          3
                                       6.600          3,352.96         21
                                       6.350          3,352.96
    SAN FRANCISCO    CA   94118          2            11/19/01         00
    120554071                            05           01/01/02          0
    120554071                            O            12/01/31
    0

1

    6803270          822/G01             F          410,000.00         ZZ
                                         360        409,655.55          1
                                       6.875          2,693.41         64
                                       6.625          2,693.41
    BROOKLINE        MA   02445          1            11/05/01         00
    0433429792                           05           01/01/02          0
    3446014187                           O            12/01/31
    0

    6803840          964/G01             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       7.125          2,829.62         80
                                       6.875          2,829.62
    SAN BRUNO        CA   94066          1            12/10/01         00
    0433512209                           05           02/01/02          0
    169123                               O            01/01/32
    0

    6805808          696/G01             F          340,000.00         ZZ
                                         360        339,714.36          1
                                       6.875          2,233.56         80
                                       6.625          2,233.56
    BETHESDA         MD   20817          1            11/30/01         00
    0433449402                           05           01/01/02          0
    31201514                             O            12/01/31
    0

    6805810          696/G01             F          318,000.00         ZZ
                                         360        317,719.43          1
                                       6.625          2,036.19         38
                                       6.375          2,036.19
    OAKTON           VA   22124          2            11/28/01         00
    0433449451                           03           01/01/02          0
    25401220                             O            12/01/31
    0

    6805814          696/G01             F          328,000.00         ZZ
                                         360        327,717.60          1
                                       6.750          2,127.40         37
                                       6.500          2,127.40
    GREAT FALLS      VA   22066          2            11/28/01         00
    0433449485                           05           01/01/02          0
    25301143                             O            12/01/31
    0

    6805816          696/G01             F          370,000.00         ZZ
                                         360        369,673.56          1
                                       6.625          2,369.15         42
                                       6.375          2,369.15
1

    BETHESDA         MD   20816          2            11/29/01         00
    0433469566                           05           01/01/02          0
    31901145                             O            12/01/31
    0

    6805820          696/G01             F          521,500.00         ZZ
                                         360        521,051.00          1
                                       6.750          3,382.44         75
                                       6.500          3,382.44
    WASHINGTON       DC   20016          2            11/28/01         00
    0433449329                           05           01/01/02          0
    31801197                             O            12/01/31
    0

    6805824          696/G01             F          421,000.00         ZZ
                                         360        420,619.41          1
                                       6.500          2,661.01         70
                                       6.250          2,661.01
    FALLS CHURCH     VA   22046          2            11/28/01         00
    0433449196                           05           01/01/02          0
    23101108                             O            12/01/31
    0

    6805828          696/G01             F          631,000.00         ZZ
                                         360        630,469.88          1
                                       6.875          4,145.22         77
                                       6.625          4,145.22
    GREAT FALLS      VA   22066          2            11/28/01         00
    0433448206                           03           01/01/02          0
    21301155                             O            12/01/31
    0

    6805832          696/G01             F          560,000.00         ZZ
                                         360        559,540.98          1
                                       7.000          3,725.69         65
                                       6.750          3,725.69
    ALEXANDRIA       VA   22304          2            11/28/01         00
    0433449154                           05           01/01/02          0
    24601336                             O            12/01/31
    0

    6805836          696/G01             F        1,000,000.00         ZZ
                                         360        999,139.02          1
                                       6.750          6,485.98         60
                                       6.500          6,485.98
    MCLEAN           VA   22101          2            11/20/01         00
    0433449444                           05           01/01/02          0
    24401176                             O            12/01/31
    0
1

    6805838          696/G01             F          385,000.00         ZZ
                                         360        384,676.55          1
                                       6.875          2,529.18         75
                                       6.625          2,529.18
    MCLEAN           VA   22101          2            11/28/01         00
    0433448412                           05           01/01/02          0
    23301341                             O            12/01/31
    0

    6810074          944/G01             F          332,000.00         ZZ
                                         360        332,000.00          1
                                       6.375          2,071.25         80
                                       6.125          2,071.25
    EL DORADO HILLS  CA   95762          2            12/10/01         00
    0433531670                           03           02/01/02          0
    W01100237                            O            01/01/32
    0

    6810442          F89/G01             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.625          4,162.02         21
                                       6.375          4,162.02
    SANTA BARBARA    CA   93108          2            12/07/01         00
    0433498821                           05           02/01/02          0
    11615272                             O            01/01/32
    0

    6811194          964/G01             F          508,000.00         ZZ
                                         360        507,573.22          1
                                       6.875          3,337.20         80
                                       6.625          3,337.20
    LONG BEACH       CA   90815          2            11/01/01         00
    0433411907                           05           01/01/02          0
    157386                               O            12/01/31
    0

    6812520          964/G01             F          340,000.00         T
                                         360        340,000.00          1
                                       6.875          2,233.56         70
                                       6.625          2,233.56
    PISMO BEACH      CA   93449          2            12/11/01         00
    0433501988                           09           02/01/02          0
    171849                               O            01/01/32
    0

    6813216          E22/G01             F          490,000.00         ZZ
                                         360        489,588.34          1
1

                                       6.875          3,218.95         70
                                       6.625          3,218.95
    DALLAS           TX   75205          5            11/28/01         00
    0413197864                           05           01/01/02          0
    0413197864                           O            12/01/31
    0

    6813274          E22/G01             F          494,000.00         ZZ
                                         360        493,564.15          1
                                       6.625          3,163.14         65
                                       6.375          3,163.14
    SAN RAFAEL       CA   94901          2            11/20/01         00
    0413271206                           05           01/01/02          0
    0413271206                           O            12/01/31
    0

    6813310          E22/G01             F          380,000.00         ZZ
                                         360        379,656.47          1
                                       6.500          2,401.86         57
                                       6.250          2,401.86
    DANVILLE         CA   94506          2            11/20/01         00
    0413297060                           03           01/01/02          0
    0413297060                           O            12/01/31
    0

    6813314          E22/G01             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.375          1,871.61         65
                                       6.125          1,871.61
    SAN JOSE         CA   95123          2            11/27/01         00
    0413302605                           05           02/01/02          0
    0413302605                           O            01/01/32
    0

    6813366          E22/G01             F          490,000.00         ZZ
                                         360        489,588.34          1
                                       6.875          3,218.95         62
                                       6.625          3,218.95
    JACKSON          MS   39211          2            11/27/01         00
    0413341355                           03           01/01/02          0
    0413341355                           O            12/01/31
    0

    6813748          E82/G01             F          341,000.00         ZZ
                                         360        340,645.85          1
                                       7.000          2,268.68         27
                                       6.750          2,268.68
    SEBASTOPOL       CA   95472          2            11/30/01         00
    0400502225                           05           01/01/02          0
1

    1710781                              O            12/01/31
    0

    6813752          E82/G01             F          903,000.00         ZZ
                                         360        902,222.54          1
                                       6.750          5,856.84         52
                                       6.500          5,856.84
    PALO ALTO        CA   94301          2            11/20/01         00
    0400523494                           05           01/01/02          0
    1637712                              O            12/01/31
    0

    6813754          E82/G01             F          383,300.00         ZZ
                                         360        382,977.98          1
                                       6.875          2,518.01         56
                                       6.625          2,518.01
    LOS ANGELES      CA   91403          2            11/29/01         00
    0400522702                           05           01/01/02          0
    0400522702                           O            12/01/31
    0

    6813756          E82/G01             F          540,000.00         ZZ
                                         360        539,557.37          1
                                       7.000          3,592.63         80
                                       6.750          3,592.63
    YORBA LINDA      CA   92886          2            11/29/01         00
    0400544615                           05           01/01/02          0
    4811731                              O            12/01/31
    0

    6813758          E82/G01             F          424,000.00         ZZ
                                         360        423,652.45          1
                                       7.000          2,820.88         80
                                       6.750          2,820.88
    MOORESTOWN       NJ   08057          2            11/30/01         00
    0400517900                           05           01/01/02          0
    0400517900                           O            12/01/31
    0

    6814606          952/G01             F          435,000.00         ZZ
                                         360        435,000.00          1
                                       6.875          2,857.65         79
                                       6.625          2,857.65
    U SADDLE RIVER   NJ   07458          2            11/30/01         00
    0433435419                           05           02/01/02          0
    20014586                             O            01/01/32
    0

1

    6817202          964/G01             F          133,250.00         ZZ
                                         360        133,250.00          1
                                       6.750            864.26         65
                                       6.500            864.26
    BEND             OR   97702          5            12/11/01         00
    0433548278                           05           02/01/02          0
    161843                               O            01/01/32
    0

    6818686          163/G01             F          308,000.00         T
                                         360        308,000.00          1
                                       7.125          2,075.06         70
                                       6.875          2,075.06
    REVERE           MA   02151          1            12/10/01         00
    0433544020                           05           02/01/02          0
    1000307723                           O            01/01/32
    0

    6821094          964/G01             F          399,950.00         ZZ
                                         360        399,638.00          1
                                       7.250          2,728.36         45
                                       7.000          2,728.36
    LOS ANGELES      CA   90004          5            11/20/01         00
    0433489879                           05           01/01/02          0
    150438                               O            12/01/31
    0

    6821120          944/G01             F          324,000.00         ZZ
                                         360        323,727.80          1
                                       6.875          2,128.45         80
                                       6.625          2,128.45
    GARY             IN   46403          2            11/16/01         00
    0433444320                           05           01/01/02          0
    W01080962                            O            12/01/31
    0

    6821448          Q73/G01             F          460,000.00         ZZ
                                         360        460,000.00          1
                                       7.250          3,138.01         80
                                       7.000          3,138.01
    HOLLY SPRINGS    MS   38635          4            12/07/01         00
    0433513983                           05           02/01/02          0
    2739926                              O            01/01/32
    0

    6822778          G52/G01             F          520,000.00         ZZ
                                         360        519,552.29          1
                                       6.750          3,372.71         78
                                       6.500          3,372.71
1

    DENVER           CO   80224          2            11/21/01         00
    0433485299                           05           01/01/02          0
    7505001115                           O            12/01/31
    0

    6822912          A46/G01             F          861,000.00         ZZ
                                         360        861,000.00          1
                                       6.625          5,513.08         70
                                       6.375          5,513.08
    HOUSTON          TX   77005          1            12/10/01         00
    0433517265                           05           02/01/02          0
    0131198                              O            01/01/32
    0

    6825528          964/G01             F          338,000.00         ZZ
                                         360        337,722.95          1
                                       7.000          2,248.72         77
                                       6.750          2,248.72
    MISSION VIEJO    CA   92691          2            11/06/01         00
    0433465705                           03           01/01/02          0
    151688                               O            12/01/31
    0

    6826000          950/G01             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.750          2,334.96         70
                                       6.500          2,334.96
    CLAYTON          CA   94517          5            12/14/01         00
    0433531613                           03           02/01/02          0
    A311101                              O            01/01/32
    0

    6826238          E23/G01             F          470,000.00         T
                                         360        469,595.34          1
                                       6.750          3,048.41         62
                                       6.500          3,048.41
    LAFAYETTE        CA   94549          2            11/09/01         00
    0433431228                           05           01/01/02          0
    61002933                             O            12/01/31
    0

    6827210          696/G01             F          306,400.00         ZZ
                                         360        306,142.59          1
                                       6.875          2,012.83         80
                                       6.625          2,012.83
    ALEXANDRIA       VA   22308          1            11/30/01         00
    0433466463                           05           01/01/02          0
    24601302                             O            12/01/31
    0
1

    6827214          696/G01             F          350,000.00         ZZ
                                         360        349,713.11          1
                                       7.000          2,328.56         78
                                       6.750          2,328.56
    FAIRFAX STATION  VA   22039          1            11/30/01         00
    0433430725                           05           01/01/02          0
    21701264                             O            12/01/31
    0

    6827220          696/G01             F          375,000.00         ZZ
                                         360        374,677.14          1
                                       6.750          2,432.24         50
                                       6.500          2,432.24
    WASHINGTON       DC   20015          5            11/20/01         00
    0433485919                           05           01/01/02          0
    31101259                             O            12/01/31
    0

    6827492          757/G01             F          436,000.00         ZZ
                                         360        436,000.00          1
                                       6.875          2,864.21         80
                                       6.625          2,864.21
    ATLANTA          GA   30306          1            12/14/01         00
    0433535366                           05           02/01/02          0
    1SCHNEIDERJEFF                       O            01/01/32
    0

    6829714          E60/G01             F          471,200.00         ZZ
                                         360        471,200.00          1
                                       7.000          3,134.91         80
                                       6.750          3,134.91
    ENCINO           CA   91436          1            12/07/01         00
    0433512837                           05           02/01/02          0
    521866                               O            01/01/32
    0

    6830568          714/G01             F          475,200.00         ZZ
                                         360        475,200.00          1
                                       6.750          3,082.14         78
                                       6.500          3,082.14
    WHITEFISH BAY    WI   53211          2            11/29/01         00
    0433435294                           05           02/01/02          0
    0505823                              O            01/01/32
    0

    6836322          E22/G01             F          496,000.00         ZZ
                                         360        496,000.00          1
1

                                       6.500          3,135.06         69
                                       6.250          3,135.06
    BERKELEY         CA   94707          2            11/26/01         00
    0413185422                           05           02/01/02          0
    0413185422                           O            01/01/32
    0

    6836364          E22/G01             F          369,500.00         ZZ
                                         360        369,174.00          1
                                       6.625          2,365.95         61
                                       6.375          2,365.95
    BOCA RATON       FL   33432          2            11/30/01         00
    0413237199                           05           01/01/02          0
    0413237199                           O            12/01/31
    0

    6836366          E22/G01             F          453,700.00         ZZ
                                         360        453,700.00          1
                                       6.625          2,905.09         75
                                       6.375          2,905.09
    BREA             CA   92821          5            11/29/01         00
    0413244849                           05           02/01/02          0
    0413244849                           O            01/01/32
    0

    6836392          E22/G01             F          443,200.00         ZZ
                                         360        442,808.97          1
                                       6.625          2,837.86         80
                                       6.375          2,837.86
    PLANO            TX   75093          1            12/05/01         00
    0413269010                           03           01/01/02          0
    0413269010                           O            12/01/31
    0

    6836402          E22/G01             F          340,000.00         ZZ
                                         360        339,714.36          1
                                       6.875          2,233.56         72
                                       6.625          2,233.56
    LIVERMORE        CA   94550          2            11/14/01         00
    0413275165                           05           01/01/02          0
    0413275165                           O            12/01/31
    0

    6836412          E22/G01             F          406,000.00         ZZ
                                         360        405,641.80          1
                                       6.625          2,599.66         64
                                       6.375          2,599.66
    EDMONDS          WA   98026          2            11/29/01         00
    0413281262                           05           01/01/02          0
1

    0413281262                           O            12/01/31
    0

    6836416          E22/G01             F          378,000.00         ZZ
                                         360        378,000.00          1
                                       6.625          2,420.38         48
                                       6.375          2,420.38
    SANTA ROSA       CA   95401          2            11/30/01         00
    0413282179                           05           02/01/02          0
    0413282179                           O            01/01/32
    0

    6836434          E22/G01             F          510,000.00         ZZ
                                         360        509,550.03          1
                                       6.625          3,265.59         75
                                       6.375          3,265.59
    DAVIE            FL   33325          2            11/30/01         00
    0413291014                           03           01/01/02          0
    0413291014                           O            12/01/31
    0

    6836446          E22/G01             F          460,000.00         ZZ
                                         360        460,000.00          1
                                       6.500          2,907.51         46
                                       6.250          2,907.51
    DANVILLE         CA   94526          5            11/28/01         00
    0413294612                           05           02/01/02          0
    0413294612                           O            01/01/32
    0

    6836450          E22/G01             F          370,000.00         ZZ
                                         360        369,648.93          1
                                       6.250          2,278.15         71
                                       6.000          2,278.15
    DALLAS           TX   75218          2            11/30/01         00
    0413301607                           05           01/01/02          0
    0413301607                           O            12/01/31
    0

    6836452          E22/G01             F          528,500.00         ZZ
                                         360        528,500.00          1
                                       6.625          3,384.04         70
                                       6.375          3,384.04
    LOS ANGELES      CA   90035          5            11/30/01         00
    0413302035                           05           02/01/02          0
    0413302035                           O            01/01/32
    0

1

    6836454          E22/G01             F          775,000.00         ZZ
                                         360        774,316.24          1
                                       6.625          4,962.41         65
                                       6.375          4,962.41
    LOS ANGELES      CA   90064          2            11/27/01         00
    0413302340                           05           01/01/02          0
    0413302340                           O            12/01/31
    0

    6836478          E22/G01             F          620,000.00         ZZ
                                         360        618,966.19          1
                                       6.750          4,021.31         80
                                       6.500          4,021.31
    ELLICOTT CITY    MD   21042          2            11/30/01         00
    0413313784                           03           01/01/02          0
    0413313784                           O            12/01/31
    0

    6836500          E22/G01             F          455,000.00         ZZ
                                         360        454,588.67          1
                                       6.500          2,875.91         75
                                       6.250          2,875.91
    WEST COVINA      CA   91791          2            11/30/01         00
    0413325390                           05           01/01/02          0
    0413325390                           O            12/01/31
    0

    6836548          E22/G01             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       7.125          3,233.85         80
                                       6.875          3,233.85
    RANCHO CUCAMONG  CA   91701          1            11/28/01         00
    0413346669                           05           02/01/02          0
    0413346669                           O            01/01/32
    0

    6836860          E82/G01             F          332,500.00         ZZ
                                         360        332,500.00          1
                                       7.000          2,212.13         77
                                       6.750          2,212.13
    THOUSAND OAKS    CA   91320          2            12/03/01         00
    0400529723                           29           02/01/02          0
    0400529723                           O            01/01/32
    0

    6836862          E82/G01             F          965,500.00         ZZ
                                         360        965,500.00          1
                                       6.875          6,342.65         40
                                       6.625          6,342.65
1

    PALO ALTO        CA   94301          2            11/30/01         00
    0400534459                           05           02/01/02          0
    0400534459                           O            01/01/32
    0

    6836874          E82/G01             F          320,550.00         ZZ
                                         360        320,550.00          1
                                       6.500          2,026.09         79
                                       6.250          2,026.09
    INDIANAPOLIS     IN   46278          2            12/03/01         00
    0400538831                           05           02/01/02          0
    1811975                              O            01/01/32
    0

    6836880          E82/G01             F          266,700.00         ZZ
                                         360        266,700.00          1
                                       6.875          1,752.03         77
                                       6.625          1,752.03
    FOUNTAIN HILLS   AZ   85268          2            12/03/01         00
    0400537593                           03           02/01/02          0
    6836880                              O            01/01/32
    0

    6836900          W56/W56             F          480,000.00         ZZ
                                         360        479,586.73          1
                                       6.750          3,113.27        100
                                       6.500          3,113.27
    CINCINNATI       OH   45249          2            12/03/01         00
    0400527503                           05           01/01/02          0
    0400527503                           O            12/01/31
    0

    6837732          B57/G01             F          344,000.00         ZZ
                                         360        343,710.99          1
                                       6.875          2,259.84         80
                                       6.625          2,259.84
    LOS ANGELES      CA   91423          1            11/16/01         00
    0433443454                           05           01/01/02          0
    2118634                              O            12/01/31
    0

    6838626          944/G01             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.625          2,689.31         48
                                       6.375          2,689.31
    GREENWICH        CT   06830          5            12/13/01         00
    0433522968                           05           02/01/02          0
    3754                                 O            01/01/32
    0
1

    6841804          964/G01             F          757,000.00         ZZ
                                         360        757,000.00          1
                                       7.125          5,100.05         57
                                       6.875          5,100.05
    LAKE OSWEGO      OR   97035          2            12/10/01         00
    0433486891                           05           02/01/02          0
    168293                               O            01/01/32
    0

    6843870          E11/G01             F          344,500.00         ZZ
                                         360        344,500.00          1
                                       6.750          2,234.42         75
                                       6.500          2,234.42
    PHOENIX          AZ   85048          2            12/07/01         00
    0433496932                           03           02/01/02          0
    0006001038603                        O            01/01/32
    0

    6844174          550/550             F          630,000.00         ZZ
                                         360        629,435.98          1
                                       6.550          4,002.77         32
                                       6.300          4,002.77
    TIBURON          CA   94920          2            11/19/01         00
    120550210                            05           01/01/02          0
    120550210                            O            12/01/31
    0

    6844560          E33/G01             F          650,000.00         ZZ
                                         360        649,440.36          1
                                       6.750          4,215.89         80
                                       6.500          4,215.89
    LAKE FOREST      IL   60045          1            11/29/01         00
    0433485695                           05           01/01/02          0
    DSCHMIDT                             O            12/01/31
    0

    6844598          964/G01             F          483,000.00         ZZ
                                         360        483,000.00          1
                                       7.125          3,254.06         75
                                       6.875          3,254.06
    COTO DE CAZA AR  CA   92679          2            12/03/01         00
    0433522851                           03           02/01/02          0
    164725                               O            01/01/32
    0

    6847984          E87/G01             F          464,000.00         ZZ
                                         360        464,000.00          1
1

                                       7.375          3,204.73         80
                                       7.125          3,204.73
    LOS ANGELES      CA   91602          1            12/11/01         00
    0433507647                           05           02/01/02          0
    70003929                             O            01/01/32
    0

    6848344          994/X14             F          382,000.00         ZZ
                                         360        381,356.30          1
                                       6.875          2,509.47         75
                                       6.625          2,509.47
    NICHOLSON        GA   30565          2            10/25/01         00
    23612                                05           12/01/01          0
    23612                                O            11/01/31
    0

    6848346          994/X14             F          320,000.00         ZZ
                                         360        319,499.22          1
                                       7.250          2,182.97         72
                                       7.000          2,182.97
    MORRISTOWN       NJ   07960          5            10/18/01         00
    1000358555                           05           12/01/01          0
    1000358555                           O            11/01/31
    0

    6848356          994/X14             F          351,000.00         ZZ
                                         360        350,348.09          1
                                       6.375          2,189.78         74
                                       6.125          2,189.78
    BROOKEVILLE      MD   20833          2            10/31/01         00
    918909673                            05           12/01/01          0
    918909673                            O            11/01/31
    0

    6848360          994/X14             F          350,000.00         ZZ
                                         360        347,345.43          1
                                       6.875          2,299.25         80
                                       6.625          2,299.25
    LAS VEGAS        NV   89134          1            11/07/01         00
    1819008251                           03           01/01/02          0
    1819008251                           O            12/01/31
    0

    6848362          994/X14             F          347,000.00         ZZ
                                         360        346,429.48          1
                                       7.000          2,308.60         80
                                       6.750          2,308.60
    LITTLETON        CO   80127          1            10/05/01         00
    17854                                03           12/01/01          0
1

    17854                                O            11/01/31
    0

    6848364          994/X14             F          432,000.00         ZZ
                                         360        431,272.06          1
                                       6.875          2,837.93         80
                                       6.625          2,837.93
    LAYTONSVILLE     MD   20882          2            10/18/01         00
    918893521                            03           12/01/01          0
    918893521                            O            11/01/31
    0

    6848368          994/X14             F          347,500.00         ZZ
                                         360        347,222.10          1
                                       7.125          2,341.18         64
                                       6.875          2,341.18
    RIDGEWOOD        NJ   07450          1            11/05/01         00
    1000356596                           05           01/01/02          0
    1000356596                           O            12/01/31
    0

    6848372          994/X14             F          346,500.00         ZZ
                                         360        345,916.13          1
                                       6.875          2,276.26         79
                                       6.625          2,276.26
    WILDWOOD         MO   63011          2            10/26/01         00
    1818917510                           03           12/01/01          0
    1818917510                           O            11/01/31
    0

    6848374          994/X14             F          550,000.00         ZZ
                                         360        549,160.41          1
                                       7.375          3,798.72         79
                                       7.125          3,798.72
    LIDO BEACH       NY   11561          2            09/27/01         00
    1000260779                           05           12/01/01          0
    1000260779                           O            11/01/31
    0

    6848376          994/X14             F          590,000.00         ZZ
                                         360        589,492.02          1
                                       6.750          3,826.73         80
                                       6.500          3,826.73
    WESTLAKE VILLAG  CA   91361          2            11/08/01         00
    619081898                            03           01/01/02          0
    619081898                            O            12/01/31
    0

1

    6848378          994/X14             F          283,200.00         ZZ
                                         360        282,956.17          1
                                       6.750          1,836.83         80
                                       6.500          1,836.83
    COSTA MESA       CA   92626          1            11/06/01         00
    619015728                            05           01/01/02          0
    619015728                            O            12/01/31
    0

    6848382          994/X14             F          420,000.00         ZZ
                                         360        419,274.75          1
                                       6.750          2,724.11         75
                                       6.500          2,724.11
    LADERA RANCH     CA   92694          2            10/25/01         00
    1418916090                           03           12/01/01          0
    1418916090                           O            11/01/31
    0

    6848384          994/X14             F          350,000.00         ZZ
                                         360        349,438.57          1
                                       7.125          2,358.01         80
                                       6.875          2,358.01
    SAN FRANCISCO    CA   94121          1            10/19/01         00
    718844664                            01           12/01/01          0
    718844664                            O            11/01/31
    0

    6848386          994/X14             F          391,000.00         ZZ
                                         360        390,341.14          1
                                       6.875          2,568.59         77
                                       6.625          2,568.59
    STILLWATER       MN   55082          2            10/19/01         00
    05000000010876                       05           12/01/01          0
    05000000010876                       O            11/01/31
    0

    6848388          994/X14             F          480,000.00         ZZ
                                         360        479,267.28          1
                                       7.375          3,315.24         75
                                       7.125          3,315.24
    LOS ANGELOS      CA   90068          2            10/22/01         00
    618928145                            05           12/01/01          0
    618928145                            O            11/01/31
    0

    6848390          994/X14             F          351,681.00         ZZ
                                         360        351,014.83          1
                                       6.500          2,222.86         90
                                       6.250          2,222.86
1

    ACWORTH          GA   30101          1            10/30/01         14
    0110000982                           03           12/01/01         25
    0110000982                           O            11/01/31
    0

    6848392          994/X14             F          455,000.00         ZZ
                                         360        454,627.04          1
                                       7.000          3,027.13         80
                                       6.750          3,027.13
    REDWOOD CITY     CA   94065          2            11/05/01         00
    718933657                            03           01/01/02          0
    718933657                            O            12/01/31
    0

    6848396          994/X14             F          378,500.00         ZZ
                                         360        377,877.69          1
                                       7.000          2,518.17         64
                                       6.750          2,518.17
    LEAWOOD          KS   66211          2            10/31/01         00
    0404313252                           03           12/01/01          0
    0404313252                           O            11/01/31
    0

    6848410          994/X14             F          390,000.00         ZZ
                                         360        389,189.21          1
                                       6.875          2,562.02         86
                                       6.625          2,562.02
    BALLWIN          MO   63021          2            10/26/01         11
    218920290                            03           12/01/01         25
    218920290                            O            11/01/31
    0

    6848412          994/X14             F          609,000.00         ZZ
                                         360        608,488.36          1
                                       6.875          4,000.70         80
                                       6.625          4,000.70
    BARON ROUGE      LA   70808          2            11/08/01         00
    414534617                            05           01/01/02          0
    414534617                            O            12/01/31
    0

    6848414          994/X14             F          352,500.00         ZZ
                                         360        352,188.99          1
                                       6.625          2,257.10         75
                                       6.375          2,257.10
    CARLSBAD         CA   92009          2            11/01/01         00
    1418935249                           03           01/01/02          0
    1418935249                           O            12/01/31
    0
1

    6848418          994/X14             F          313,700.00         ZZ
                                         360        313,423.23          1
                                       6.625          2,008.66         47
                                       6.375          2,008.66
    SAN ANTONIO      TX   78248          2            11/09/01         00
    0404238434                           03           01/01/02          0
    0404238434                           O            12/01/31
    0

    6848420          994/X14             F          650,000.00         ZZ
                                         360        648,904.71          1
                                       6.875          4,270.04         79
                                       6.625          4,270.04
    LAKE ST. LOUIS   MO   63367          2            10/26/01         00
    1818920332                           03           12/01/01          0
    1818920332                           O            11/01/31
    0

    6848426          994/X14             F          337,500.00         ZZ
                                         360        337,230.11          1
                                       7.125          2,273.80         78
                                       6.875          2,273.80
    SAN CARLOS       CA   94070          2            10/29/01         00
    718975021                            01           01/01/02          0
    718975021                            O            12/01/31
    0

    6848428          994/X14             F          397,650.00         ZZ
                                         360        397,307.63          1
                                       6.750          2,579.15         80
                                       6.500          2,579.15
    CASTLE ROCK      CO   80104          1            11/02/01         00
    1818991689                           05           01/01/02          0
    1818991689                           O            12/01/31
    0

    6848430          994/X14             F          530,000.00         ZZ
                                         360        529,554.74          1
                                       6.875          3,481.72         62
                                       6.625          3,481.72
    IRVINE           CA   92620          2            11/01/01         00
    1418923591                           03           01/01/02          0
    1418923591                           O            12/01/31
    0

    6848436          994/X14             F          326,000.00         ZZ
                                         360        325,477.07          1
1

                                       7.125          2,196.32         62
                                       6.875          2,196.32
    SCOTTS VALLEY    CA   95066          2            10/19/01         00
    718870891                            03           12/01/01          0
    718870891                            O            11/01/31
    0

    6848438          994/X14             F          512,000.00         ZZ
                                         360        511,137.24          1
                                       6.875          3,363.48         80
                                       6.625          3,363.48
    BONITA           CA   91902          1            10/30/01         00
    0148901                              05           12/01/01          0
    0148901                              O            11/01/31
    0

    6848440          994/X14             F          334,000.00         ZZ
                                         360        329,126.78          1
                                       7.250          2,278.47         80
                                       7.000          2,278.47
    SHERMAN OAKS AR  CA   91411          2            08/08/01         00
    403550744                            05           10/01/01          0
    A0702470                             O            09/01/31
    0

    6848446          994/X14             F          580,000.00         ZZ
                                         360        579,069.61          1
                                       7.125          3,907.57         77
                                       6.875          3,907.57
    HIGHLAND PARK    IL   60035          2            10/26/01         00
    3918862252                           05           12/01/01          0
    3918862252                           O            11/01/31
    0

    6848448          994/X14             F          485,000.00         ZZ
                                         360        484,182.76          1
                                       6.875          3,186.10         66
                                       6.625          3,186.10
    SAN JUAN CAPIST  CA   92675          2            10/22/01         00
    1418920803                           03           12/01/01          0
    1418920803                           O            11/01/31
    0

    6848450          994/X14             F          383,000.00         ZZ
                                         360        382,670.25          1
                                       6.750          2,484.13         43
                                       6.500          2,484.13
    RIVERSIDE        IL   60546          5            10/29/01         00
    3918980369                           05           01/01/02          0
1

    3918980369                           O            12/01/31
    0

    6848452          994/X14             F          561,250.00         ZZ
                                         360        560,789.95          1
                                       7.000          3,734.01         57
                                       6.750          3,734.01
    IRVINE           CA   92620          2            11/02/01         00
    1418981623                           03           01/01/02          0
    1418981623                           O            12/01/31
    0

    6848454          994/X14             F          384,000.00         ZZ
                                         360        383,661.21          1
                                       6.625          2,458.79         89
                                       6.375          2,458.79
    LAS VEGAS        NV   89129          2            11/02/01         26
    1818971673                           03           01/01/02         25
    1818971673                           O            12/01/31
    0

    6848456          994/X14             F          464,000.00         ZZ
                                         360        463,179.00          1
                                       6.625          2,971.04         67
                                       6.375          2,971.04
    ALEXANDRIA       VA   22304          2            10/29/01         00
    4218894743                           05           12/01/01          0
    4218894743                           O            11/01/31
    0

    6848458          994/X14             F          360,000.00         ZZ
                                         360        359,378.36          1
                                       6.750          2,334.95         71
                                       6.500          2,334.95
    VERSAILLES       KY   40383          5            10/30/01         00
    0404344399                           05           12/01/01          0
    0404344399                           O            11/01/31
    0

    6848460          994/X14             F          309,900.00         ZZ
                                         360        309,645.97          1
                                       7.000          2,061.78         84
                                       6.750          2,061.78
    HILLSBOROUGH     NJ   08844          1            11/12/01         01
    404456151                            05           01/01/02         12
    404456151                            O            12/01/31
    0

1

    6848466          994/X14             F          333,500.00         ZZ
                                         360        332,865.47          1
                                       6.250          2,053.42         46
                                       6.000          2,053.42
    LAFAYETTE        LA   70503          2            10/31/01         00
    404314633                            05           12/01/01          0
    404314633                            O            11/01/31
    0

    6848468          994/X14             F          400,000.00         ZZ
                                         360        399,325.97          1
                                       6.875          2,627.72         89
                                       6.625          2,627.72
    LAS VEGAS        NV   89135          1            10/26/01         04
    1818471575                           03           12/01/01         25
    1818471575                           O            11/01/31
    0

    6848472          994/X14             F          350,000.00         ZZ
                                         360        349,705.21          1
                                       6.875          2,299.25         64
                                       6.625          2,299.25
    FREMONT          CA   94536          2            10/30/01         00
    718861809                            05           01/01/02          0
    718861809                            O            12/01/31
    0

    6848474          994/X14             F          438,700.00         ZZ
                                         360        437,960.76          1
                                       6.875          2,881.95         69
                                       6.625          2,881.95
    WINSTON SALEM    NC   27106          2            10/30/01         00
    81278626                             05           12/01/01          0
    81278626                             O            11/01/31
    0

    6848476          994/X14             F          550,000.00         ZZ
                                         360        549,502.80          1
                                       6.500          3,476.37         74
                                       6.250          3,476.37
    CAPE ELIZABETH   ME   04107          1            11/07/01         00
    1000321247                           05           01/01/02          0
    1000321247                           O            12/01/31
    0

    6848484          994/X14             F          408,000.00         ZZ
                                         360        407,278.07          1
                                       6.625          2,612.47         80
                                       6.375          2,612.47
1

    GRAFTON          MA   01545          1            10/31/01         00
    1000348950                           05           12/01/01          0
    1000348950                           O            11/01/31
    0

    6848486          994/X14             F          308,000.00         ZZ
                                         360        307,480.98          1
                                       6.875          2,023.35         70
                                       6.625          2,023.35
    ANDOVER          MA   01810          2            10/25/01         00
    1000330296                           05           12/01/01          0
    1000330296                           O            11/01/31
    0

    6848488          994/X14             F          357,200.00         ZZ
                                         360        356,892.45          1
                                       6.750          2,316.80         80
                                       6.500          2,316.80
    CHARLOTTE        NC   28277          2            11/08/01         00
    81309375                             03           01/01/02          0
    81309375                             O            12/01/31
    0

    6848490          994/X14             F          314,900.00         ZZ
                                         360        314,654.35          1
                                       7.250          2,148.17         90
                                       7.000          2,148.17
    OGDEN            UT   84403          2            11/05/01         11
    1819034935                           03           01/01/02         30
    1819034935                           O            12/01/31
    0

    6848492          994/X14             F          450,000.00         ZZ
                                         360        449,241.73          1
                                       6.875          2,956.18         48
                                       6.625          2,956.18
    PROVIDENCE       RI   02906          5            10/25/01         00
    1000359430                           05           12/01/01          0
    1000359430                           O            11/01/31
    0

    6851718          N47/G01             F          533,950.00         ZZ
                                         360        533,950.00          1
                                       6.750          3,463.19         80
                                       6.500          3,463.19
    SAN JOSE         CA   95124          1            12/10/01         00
    0433489077                           05           02/01/02          0
    20312027                             O            01/01/32
    0
1

    6854002          H58/G01             F          308,000.00         ZZ
                                         360        308,000.00          1
                                       6.875          2,023.34         80
                                       6.625          2,023.34
    NEWTOWN          CT   06470          1            12/12/01         00
    0433506482                           05           02/01/02          0
    0000082734                           O            01/01/32
    0

    6854460          A06/G01             F          350,000.00         ZZ
                                         360        349,698.65          1
                                       6.750          2,270.10         55
                                       6.500          2,270.10
    NOVI             MI   48374          1            11/29/01         00
    0433512324                           29           01/01/02          0
    1                                    O            12/01/31
    0

    6856256          E22/G01             F          308,000.00         ZZ
                                         360        307,734.82          1
                                       6.750          1,997.68         80
                                       6.500          1,997.68
    WALNUT CREEK     CA   94596          1            11/27/01         00
    0413192006                           03           01/01/02          0
    0413192006                           O            12/01/31
    0

    6856286          E22/G01             F          305,600.00         ZZ
                                         360        305,600.00          1
                                       6.375          1,906.55         80
                                       6.125          1,906.55
    LIVERMORE        CA   94550          1            11/20/01         00
    0413265596                           05           02/01/02          0
    0413265596                           O            01/01/32
    0

    6856288          E22/G01             F          336,000.00         ZZ
                                         360        335,696.25          1
                                       6.500          2,123.75         84
                                       6.250          2,123.75
    LAKE FOREST      CA   92630          2            11/29/01         04
    0413266867                           05           01/01/02         12
    0413266867                           O            12/01/31
    0

    6856298          E22/G01             F          433,360.00         ZZ
                                         360        433,360.00          1
1

                                       6.750          2,810.76         80
                                       6.500          2,810.76
    SIMI VALLEY      CA   93065          1            12/04/01         00
    0413284571                           03           02/01/02          0
    0413284571                           O            01/01/32
    0

    6856306          E22/G01             F          700,000.00         ZZ
                                         360        700,000.00          1
                                       6.625          4,482.18         56
                                       6.375          4,482.18
    MENLO PARK       CA   94025          2            11/28/01         00
    0413292277                           05           02/01/02          0
    0413292277                           O            01/01/32
    0

    6856310          E22/G01             F          426,000.00         ZZ
                                         360        425,633.22          1
                                       6.750          2,763.03         45
                                       6.500          2,763.03
    NEWPORT BEACH    CA   92625          2            11/30/01         00
    0413294091                           05           01/01/02          0
    0413294091                           O            12/01/31
    0

    6856312          E22/G01             F          310,000.00         ZZ
                                         360        310,000.00          1
                                       6.875          2,036.48         80
                                       6.625          2,036.48
    OMAHA            NE   68135          5            12/01/01         00
    0413294463                           05           02/01/02          0
    0413294463                           O            01/01/32
    0

    6856380          E22/G01             F          336,800.00         ZZ
                                         360        336,800.00          1
                                       7.000          2,240.74         80
                                       6.750          2,240.74
    SOUTH SAN FRANC  CA   94080          1            11/27/01         00
    0413353087                           05           02/01/02          0
    0413353087                           O            01/01/32
    0

    6856662          W56/M32             F          471,400.00         ZZ
                                         360        470,994.14          1
                                       6.750          3,057.49         79
                                       6.500          3,057.49
    BLAINE           MN   55449          2            11/29/01         00
    0400520565                           03           01/01/02          0
1

    0400520565                           O            12/01/31
    0

    6856688          E82/G01             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.875          1,970.79         71
                                       6.625          1,970.79
    IRVINE           CA   92620          2            12/04/01         00
    0400523577                           01           02/01/02          0
    1863595                              O            01/01/32
    0

    6856716          E82/G01             F          658,000.00         ZZ
                                         360        658,000.00          1
                                       7.375          4,544.64         70
                                       7.125          4,544.64
    FORT WASHINGTON  MD   20744          2            12/05/01         00
    0400531117                           05           02/01/02          0
    1936527                              O            01/01/32
    0

    6856718          E82/G01             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.875          2,496.33         73
                                       6.625          2,496.33
    LITTLETON        CO   80127          2            12/05/01         00
    0400500104                           03           02/01/02          0
    3815103                              O            01/01/32
    0

    6856722          E82/G01             F          350,300.00         ZZ
                                         360        350,300.00          1
                                       6.875          2,301.22         57
                                       6.625          2,301.22
    ANNAPOLIS        MD   21401          2            12/05/01         00
    0400525747                           05           02/01/02          0
    1743689                              O            01/01/32
    0

    6856726          E82/G01             F          758,000.00         ZZ
                                         360        758,000.00          1
                                       6.875          4,979.52         31
                                       6.625          4,979.52
    WASHINGTON       DC   20016          2            12/04/01         00
    0400522397                           05           02/01/02          0
    2679812                              O            01/01/32
    0

1

    6856730          E82/G01             F          348,000.00         ZZ
                                         360        348,000.00          1
                                       7.000          2,315.25         80
                                       6.750          2,315.25
    YORK             ME   03909          2            12/05/01         00
    0400518148                           05           02/01/02          0
    3796495                              O            01/01/32
    0

    6856732          E82/G01             F          348,000.00         ZZ
                                         360        348,000.00          1
                                       6.875          2,286.11         71
                                       6.625          2,286.11
    MISSION VIEJO    CA   92692          2            12/04/01         00
    0400529285                           05           02/01/02          0
    0400529285                           O            01/01/32
    0

    6856740          E82/G01             F          276,200.00         ZZ
                                         360        276,200.00          1
                                       6.625          1,768.54         69
                                       6.375          1,768.54
    SAINT LOUIS      MO   63130          2            12/04/01         00
    0400545240                           05           02/01/02          0
    1830343                              O            01/01/32
    0

    6856752          E82/G01             F          343,600.00         ZZ
                                         360        343,600.00          1
                                       6.750          2,228.58         61
                                       6.500          2,228.58
    LIBERTY          MO   64068          2            12/05/01         00
    0400536967                           05           02/01/02          0
    1641524                              O            01/01/32
    0

    6856762          E82/G01             F          346,300.00         ZZ
                                         360        346,300.00          1
                                       7.000          2,303.94         70
                                       6.750          2,303.94
    DELTA            UT   84624          2            12/05/01         00
    0400524617                           05           02/01/02          0
    0400524617                           O            01/01/32
    0

    6858050          H12/G01             F          425,000.00         ZZ
                                         360        425,000.00          1
                                       6.875          2,791.95         62
                                       6.625          2,791.95
1

    OMAHA            NE   68118          5            11/26/01         00
    0433442696                           05           02/01/02          0
    0800016590501                        O            01/01/32
    0

    6858082          757/G01             F          413,600.00         ZZ
                                         360        413,252.52          1
                                       6.875          2,717.06         55
                                       6.625          2,717.06
    HINSDALE         IL   60521          5            11/26/01         00
    0433516564                           05           01/01/02          0
    1000481661                           O            12/01/31
    0

    6858182          196/G01             F          340,000.00         ZZ
                                         360        339,692.63          1
                                       6.500          2,149.04         76
                                       6.250          2,149.04
    ARVADA           CO   80005          1            11/20/01         00
    0433484938                           03           01/01/02          0
    1303107                              O            12/01/31
    0

    6858190          196/G01             F          471,600.00         ZZ
                                         360        471,203.80          1
                                       6.875          3,098.08         73
                                       6.625          3,098.08
    DOVER            MA   02030          2            11/09/01         00
    0433485091                           05           01/01/02          0
    1308564                              O            12/01/31
    0

    6858192          196/G01             F          364,000.00         ZZ
                                         360        363,694.19          1
                                       6.875          2,391.23         70
                                       6.625          2,391.23
    NEWBURYPORT      MA   01950          2            11/19/01         00
    0433484797                           05           01/01/02          0
    1308644                              O            12/01/31
    0

    6858194          196/G01             F          560,000.00         ZZ
                                         360        559,540.97          1
                                       7.000          3,725.70         75
                                       6.750          3,725.70
    CANTON           MA   02021          2            11/05/01         00
    0433482585                           05           01/01/02          0
    1308647                              O            12/01/31
    0
1

    6858196          196/G01             F          442,400.00         ZZ
                                         360        442,037.37          1
                                       7.000          2,943.30         80
                                       6.750          2,943.30
    IPSWICH          MA   01938          2            11/08/01         00
    0433484490                           05           01/01/02          0
    1309043                              O            12/01/31
    0

    6858198          196/G01             F          405,000.00         ZZ
                                         360        404,659.74          1
                                       6.875          2,660.57         53
                                       6.625          2,660.57
    ROCKVILLE        MD   20852          2            11/19/01         00
    0433484755                           03           01/01/02          0
    1309155                              O            12/01/31
    0

    6858200          196/G01             F          332,000.00         ZZ
                                         360        331,721.07          1
                                       6.875          2,181.01         80
                                       6.625          2,181.01
    CERRITOS         CA   90703          1            11/20/01         00
    0433488509                           05           01/01/02          0
    1309347                              O            12/01/31
    0

    6858204          196/G01             F          462,500.00         ZZ
                                         360        462,111.44          1
                                       6.875          3,038.30         80
                                       6.625          3,038.30
    LYNNFIELD        MA   01940          2            11/14/01         00
    0433484367                           05           01/01/02          0
    1309647                              O            12/01/31
    0

    6858208          196/G01             F          337,150.00         ZZ
                                         360        336,866.75          1
                                       6.875          2,214.84         66
                                       6.625          2,214.84
    PEACHTREE CITY   GA   30269          2            11/19/01         00
    0433484987                           03           01/01/02          0
    1309805                              O            12/01/31
    0

    6858214          196/G01             F          429,000.00         ZZ
                                         360        428,656.93          1
1

                                       7.125          2,890.26         80
                                       6.875          2,890.26
    WELLESLEY        MA   02481          1            11/20/01         00
    0433484557                           05           01/01/02          0
    1311189                              O            12/01/31
    0

    6858220          196/G01             F          417,500.00         ZZ
                                         360        417,149.25          1
                                       6.875          2,742.68         67
                                       6.625          2,742.68
    GREAT FALLS      VA   22066          5            11/20/01         00
    0433479235                           05           01/01/02          0
    1312056                              O            12/01/31
    0

    6858222          196/G01             F          460,000.00         ZZ
                                         360        459,613.54          1
                                       6.875          3,021.88         80
                                       6.625          3,021.88
    PEACHTREE CITY   GA   30269          2            11/20/01         00
    0433485034                           03           01/01/02          0
    1312099                              O            12/01/31
    0

    6858224          196/G01             F          384,000.00         ZZ
                                         360        383,677.39          1
                                       6.875          2,522.61         60
                                       6.625          2,522.61
    ROCKVILLE        MD   20850          5            11/26/01         00
    0433484268                           03           01/01/02          0
    1312103                              O            12/01/31
    0

    6858226          196/G01             F          369,450.00         ZZ
                                         360        369,131.91          1
                                       6.750          2,396.25         53
                                       6.500          2,396.25
    CHEVY CHASE      MD   20815          5            11/19/01         00
    0433485042                           05           01/01/02          0
    1312178                              O            12/01/31
    0

    6858228          196/G01             F          383,000.00         ZZ
                                         360        382,645.26          1
                                       6.375          2,389.43         48
                                       6.125          2,389.43
    MEDFIELD         MA   02052          2            11/23/01         00
    0433484193                           05           01/01/02          0
1

    1312511                              O            12/01/31
    0

    6858230          196/G01             F          350,000.00         ZZ
                                         360        349,705.95          1
                                       6.875          2,299.26         54
                                       6.625          2,299.26
    GAITHERSBURG     MD   20878          2            11/21/01         00
    0433484615                           03           01/01/02          0
    1312643                              O            12/01/31
    0

    6858236          196/G01             F          325,000.00         ZZ
                                         360        324,720.18          1
                                       6.750          2,107.95         80
                                       6.500          2,107.95
    BETHESDA         MD   20817          2            11/13/01         00
    0433484508                           05           01/01/02          0
    1443402                              O            12/01/31
    0

    6858238          196/G01             F          573,200.00         ZZ
                                         360        572,694.27          1
                                       6.625          3,670.27         80
                                       6.375          3,670.27
    BIRMINGHAM       AL   35242          1            11/08/01         00
    0433484730                           05           01/01/02          0
    1444821                              O            12/01/31
    0

    6858246          196/G01             F          485,000.00         ZZ
                                         300        484,401.29          1
                                       7.000          3,427.88         62
                                       6.750          3,427.88
    BELMONT          MA   02478          2            11/08/01         00
    0433484565                           05           01/01/02          0
    1458842                              O            12/01/26
    0

    6858248          196/G01             F          460,000.00         ZZ
                                         360        459,613.54          1
                                       6.875          3,021.88         75
                                       6.625          3,021.88
    LINCOLN          RI   02865          2            11/08/01         00
    0433484946                           05           01/01/02          0
    1459619                              O            12/01/31
    0

1

    6858252          196/G01             F          470,000.00         ZZ
                                         360        469,605.14          1
                                       6.875          3,087.57         78
                                       6.625          3,087.57
    GILROY           CA   95020          5            11/07/01         00
    0433484482                           05           01/01/02          0
    1460971                              O            12/01/31
    0

    6858254          196/G01             F          505,000.00         ZZ
                                         360        504,565.20          1
                                       6.750          3,275.43         73
                                       6.500          3,275.43
    ATLANTA          GA   30350          2            11/12/01         00
    0433484672                           05           01/01/02          0
    1461154                              O            12/01/31
    0

    6858256          196/G01             F          470,000.00         ZZ
                                         360        469,595.33          1
                                       6.750          3,048.42         75
                                       6.500          3,048.42
    DORWALK          CT   06850          2            11/09/01         00
    0433484763                           05           01/01/02          0
    1461296                              O            12/01/31
    0

    6858262          196/G01             F          301,000.00         ZZ
                                         360        300,747.12          1
                                       6.875          1,977.36         76
                                       6.625          1,977.36
    MARTINEZ         CA   94553          2            11/19/01         00
    0433482783                           05           01/01/02          0
    1462199                              O            12/01/31
    0

    6858264          196/G01             F          331,300.00         ZZ
                                         360        331,014.75          1
                                       6.750          2,148.81         77
                                       6.500          2,148.81
    STERLING         VA   20165          2            11/13/01         00
    0433484466                           03           01/01/02          0
    1462822                              O            12/01/31
    0

    6858266          196/G01             F          380,000.00         ZZ
                                         360        379,672.82          1
                                       6.750          2,464.68         76
                                       6.500          2,464.68
1

    ARLINGTON        VA   22201          2            11/07/01         00
    0433485026                           05           01/01/02          0
    1463407                              O            12/01/31
    0

    6858268          196/G01             F          640,000.00         T
                                         360        639,448.97          1
                                       6.750          4,151.03         75
                                       6.500          4,151.03
    PETALUMA         CA   94954          2            11/05/01         00
    0433482189                           03           01/01/02          0
    1463459                              O            12/01/31
    0

    6858272          196/G01             F          600,000.00         ZZ
                                         360        599,470.63          1
                                       6.625          3,841.87         60
                                       6.375          3,841.87
    NEW CANAAN       CT   06840          5            11/20/01         00
    0433484631                           05           01/01/02          0
    1464672                              O            12/01/31
    0

    6858274          196/G01             F          350,000.00         ZZ
                                         360        349,713.11          1
                                       7.000          2,328.56         72
                                       6.750          2,328.56
    ARVADA           CO   80005          1            11/30/01         00
    0433484425                           05           01/01/02          0
    1464911                              O            12/01/31
    0

    6858276          196/G01             F          340,000.00         ZZ
                                         360        339,714.36          1
                                       6.875          2,233.56         53
                                       6.625          2,233.56
    GLENDALE         CA   91208          1            11/07/01         00
    0433488046                           03           01/01/02          0
    1465748                              O            12/01/31
    0

    6858278          196/G01             F          610,000.00         ZZ
                                         360        608,972.11          1
                                       6.875          4,007.27         55
                                       6.625          4,007.27
    SEBASTOPOL       CA   95472          5            10/30/01         00
    0433489168                           05           12/01/01          0
    1465768                              O            11/01/31
    0
1

    6858280          196/G01             F          338,000.00         ZZ
                                         360        337,722.94          1
                                       7.000          2,248.73         80
                                       6.750          2,248.73
    STAMFORD         CT   06905          1            11/29/01         00
    0433484417                           05           01/01/02          0
    1466184                              O            12/01/31
    0

    6858282          196/G01             F          494,000.00         ZZ
                                         360        493,146.95          1
                                       6.750          3,204.08         79
                                       6.500          3,204.08
    ORANGE           CA   92867          2            10/31/01         00
    0433483948                           05           12/01/01          0
    1466254                              O            11/01/31
    0

    6858288          196/G01             F          416,000.00         ZZ
                                         360        415,650.50          1
                                       6.875          2,732.83         80
                                       6.625          2,732.83
    LOS ANGELES      CA   90020          1            11/06/01         00
    0433484698                           05           01/01/02          0
    1467071                              O            12/01/31
    0

    6858290          196/G01             F          406,000.00         ZZ
                                         360        405,658.90          1
                                       6.875          2,667.14         66
                                       6.625          2,667.14
    CHEVY CHASE      MD   20815          2            11/09/01         00
    0433484300                           05           01/01/02          0
    1467103                              O            12/01/31
    0

    6858292          196/G01             F          500,000.00         ZZ
                                         360        499,569.51          1
                                       6.750          3,242.99         78
                                       6.500          3,242.99
    STEVENSVILLE     MI   49127          2            11/07/01         00
    0433482650                           29           01/01/02          0
    1467132                              O            12/01/31
    0

    6858298          196/G01             F          370,000.00         ZZ
                                         360        369,673.55          1
1

                                       6.625          2,369.16         74
                                       6.375          2,369.16
    SAN DIEGO        CA   92131          5            11/08/01         00
    0433488053                           03           01/01/02          0
    1467542                              O            12/01/31
    0

    6858300          196/G01             F          326,250.00         ZZ
                                         360        325,982.57          1
                                       7.000          2,170.55         75
                                       6.750          2,170.55
    MCLEAN           VA   22101          5            11/09/01         00
    0433485018                           05           01/01/02          0
    1467848                              O            12/01/31
    0

    6858302          196/G01             F          363,900.00         ZZ
                                         360        363,594.27          1
                                       6.875          2,390.57         80
                                       6.625          2,390.57
    OLNEY            MD   20832          1            11/27/01         00
    0433484953                           03           01/01/02          0
    1467871                              O            12/01/31
    0

    6858306          196/G01             F          310,000.00         ZZ
                                         360        309,745.89          1
                                       7.000          2,062.44         70
                                       6.750          2,062.44
    IRVINE           CA   92620          2            11/08/01         00
    0433489358                           03           01/01/02          0
    1467991                              O            12/01/31
    0

    6858314          196/G01             F          470,000.00         ZZ
                                         360        469,595.33          1
                                       6.750          3,048.42         69
                                       6.500          3,048.42
    BETHESDA         MD   20814          2            11/12/01         00
    0433484581                           05           01/01/02          0
    1468205                              O            12/01/31
    0

    6858320          196/G01             F          500,000.00         ZZ
                                         360        499,579.93          1
                                       6.875          3,284.65         63
                                       6.625          3,284.65
    GREAT FALLS      VA   22066          5            11/26/01         00
    0433479227                           03           01/01/02          0
1

    1468606                              O            12/01/31
    0

    6858324          196/G01             F          365,600.00         ZZ
                                         360        365,292.84          1
                                       6.875          2,401.74         80
                                       6.625          2,401.74
    POTOMAC          MD   20854          2            11/14/01         00
    0433485000                           05           01/01/02          0
    1468717                              O            12/01/31
    0

    6858326          196/G01             F          330,000.00         ZZ
                                         360        329,722.76          1
                                       6.875          2,167.87         80
                                       6.625          2,167.87
    OAK HILL         VA   20171          2            11/14/01         00
    0433484847                           03           01/01/02          0
    1468724                              O            12/01/31
    0

    6858328          196/G01             F          336,000.00         ZZ
                                         360        335,717.71          1
                                       6.875          2,207.29         78
                                       6.625          2,207.29
    SOUTHINGTON      CT   06489          2            11/26/01         00
    0433489382                           05           01/01/02          0
    1468747                              O            12/01/31
    0

    6858330          196/G01             F          322,000.00         ZZ
                                         360        321,722.76          1
                                       6.750          2,088.49         73
                                       6.500          2,088.49
    MILLERSVILLE     MD   21108          2            11/20/01         00
    0433481918                           03           01/01/02          0
    1468750                              O            12/01/31
    0

    6858332          196/G01             F          366,000.00         ZZ
                                         360        365,692.52          1
                                       6.875          2,404.36         78
                                       6.625          2,404.36
    FAIRFAX          VA   22032          2            11/14/01         00
    0433484532                           05           01/01/02          0
    1468814                              O            12/01/31
    0

1

    6858334          196/G01             F          600,000.00         ZZ
                                         360        599,495.92          1
                                       6.875          3,941.58         68
                                       6.625          3,941.58
    EVERGREEN        CO   80439          2            11/20/01         00
    0433484326                           05           01/01/02          0
    1469397                              O            12/01/31
    0

    6858336          196/G01             F          430,000.00         ZZ
                                         360        429,647.52          1
                                       7.000          2,860.81         75
                                       6.750          2,860.81
    SALISBURY (LAKE  CT   06039          5            11/13/01         00
    0433485125                           05           01/01/02          0
    1469407                              O            12/01/31
    0

    6858340          196/G01             F          415,000.00         ZZ
                                         360        414,651.34          1
                                       6.875          2,726.26         56
                                       6.625          2,726.26
    GREENWOOD        IN   46143          2            11/20/01         00
    0433484771                           05           01/01/02          0
    1469724                              O            12/01/31
    0

    6858342          196/G01             F          360,000.00         ZZ
                                         360        359,690.04          1
                                       6.750          2,334.96         80
                                       6.500          2,334.96
    LA CRESCENTA     CA   91214          2            11/08/01         00
    0433484334                           05           01/01/02          0
    1470120                              O            12/01/31
    0

    6858344          196/G01             F          460,500.00         ZZ
                                         360        460,103.51          1
                                       6.750          2,986.80         59
                                       6.500          2,986.80
    SAVANNAH         GA   31401          2            11/16/01         00
    0433488012                           05           01/01/02          0
    1470202                              O            12/01/31
    0

    6858346          196/G01             F          166,000.00         ZZ
                                         360        165,853.54          1
                                       6.625          1,062.92         61
                                       6.375          1,062.92
1

    GLENDORA         CA   91740          2            11/14/01         00
    0433484292                           05           01/01/02          0
    1470226                              O            12/01/31
    0

    6858350          196/G01             F          353,600.00         ZZ
                                         360        353,288.03          1
                                       6.625          2,264.14         80
                                       6.375          2,264.14
    ROWLAND HEIGHTS  CA   91748          1            11/05/01         00
    0433484680                           05           01/01/02          0
    1470887                              O            12/01/31
    0

    6858352          196/G01             F          311,000.00         ZZ
                                         360        310,745.07          1
                                       7.000          2,069.10         64
                                       6.750          2,069.10
    MORGAN HILL      CA   95037          2            11/12/01         00
    0433485109                           05           01/01/02          0
    1470952                              O            12/01/31
    0

    6858354          196/G01             F          440,000.00         ZZ
                                         360        439,639.33          1
                                       7.000          2,927.34         77
                                       6.750          2,927.34
    CLIFTON          VA   20124          5            11/26/01         00
    0433482668                           03           01/01/02          0
    1470970                              O            12/01/31
    0

    6858356          196/G01             F          339,000.00         ZZ
                                         360        338,700.90          1
                                       6.625          2,170.66         40
                                       6.375          2,170.66
    MURRIETA         CA   92562          2            11/08/01         00
    0433484540                           03           01/01/02          0
    1470980                              O            12/01/31
    0

    6858358          196/G01             F          490,000.00         ZZ
                                         360        489,578.11          1
                                       6.750          3,178.14         70
                                       6.500          3,178.14
    LOS ANGELES      CA   90048          2            11/16/01         00
    0433485083                           05           01/01/02          0
    1471326                              O            12/01/31
    0
1

    6858360          196/G01             F          321,200.00         ZZ
                                         360        320,909.62          1
                                       6.500          2,030.21         88
                                       6.250          2,030.21
    SALINAS          CA   93906          1            11/14/01         10
    0433482825                           05           01/01/02         25
    1471655                              O            12/01/31
    0

    6858362          196/G01             F          418,600.00         ZZ
                                         360        418,256.87          1
                                       7.000          2,784.96         70
                                       6.750          2,784.96
    PEACHTREE CITY   GA   30269          5            11/26/01         00
    0433484805                           03           01/01/02          0
    1471768                              O            12/01/31
    0

    6858364          196/G01             F          400,000.00         ZZ
                                         360        399,655.60          1
                                       6.750          2,594.40         80
                                       6.500          2,594.40
    ARLINGTON        VA   22202          1            11/14/01         00
    0433484573                           05           01/01/02          0
    1471887                              O            12/01/31
    0

    6858366          196/G01             F          354,000.00         ZZ
                                         360        353,679.97          1
                                       6.500          2,237.53         65
                                       6.250          2,237.53
    VISTA            CA   92084          2            11/21/01         00
    0433488020                           05           01/01/02          0
    1472241                              O            12/01/31
    0

    6858368          196/G01             F          320,000.00         ZZ
                                         360        319,731.15          1
                                       6.875          2,102.18         80
                                       6.625          2,102.18
    ALLEN            TX   75013          2            11/12/01         00
    0433484391                           05           01/01/02          0
    1472376                              O            12/01/31
    0

    6858370          196/G01             F          420,000.00         ZZ
                                         360        419,638.38          1
1

                                       6.750          2,724.12         80
                                       6.500          2,724.12
    DANVILLE         CA   94526          1            11/13/01         00
    0433484359                           03           01/01/02          0
    1472717                              O            12/01/31
    0

    6858372          196/G01             F          346,300.00         ZZ
                                         360        345,994.46          1
                                       6.625          2,217.40         65
                                       6.375          2,217.40
    AUSTIN           TX   78731          2            11/20/01         00
    0433482403                           03           01/01/02          0
    1472805                              O            12/01/31
    0

    6858374          196/G01             F          301,500.00         ZZ
                                         360        301,240.41          1
                                       6.750          1,955.53         80
                                       6.500          1,955.53
    VALLEY CENTER    CA   92082          2            11/15/01         00
    0433489333                           05           01/01/02          0
    1472906                              O            12/01/31
    0

    6858376          196/G01             F          367,200.00         ZZ
                                         360        366,883.84          1
                                       6.750          2,381.66         80
                                       6.500          2,381.66
    LOS ANGELES      CA   90036          1            11/06/01         00
    0433484706                           05           01/01/02          0
    1472915                              O            12/01/31
    0

    6858380          196/G01             F          325,000.00         ZZ
                                         360        324,706.19          1
                                       6.500          2,054.23         52
                                       6.250          2,054.23
    BOULDER          CO   80302          5            11/21/01         00
    0433489135                           05           01/01/02          0
    1473154                              O            12/01/31
    0

    6858382          196/G01             F          350,000.00         ZZ
                                         360        349,698.65          1
                                       6.750          2,270.10         80
                                       6.500          2,270.10
    POTOMAC          MD   20854          1            11/30/01         00
    0433482478                           07           01/01/02          0
1

    1473307                              O            12/01/31
    0

    6858384          196/G01             F          362,000.00         ZZ
                                         360        361,688.32          1
                                       6.750          2,347.93         74
                                       6.500          2,347.93
    ALAMEDA          CA   94501          2            11/15/01         00
    0433488004                           03           01/01/02          0
    1473347                              O            12/01/31
    0

    6858386          196/G01             F          370,000.00         ZZ
                                         360        369,681.43          1
                                       6.750          2,399.82         78
                                       6.500          2,399.82
    LOS ANGELES      CA   90048          2            11/14/01         00
    0433488038                           05           01/01/02          0
    1473368                              O            12/01/31
    0

    6858392          196/G01             F          328,000.00         ZZ
                                         360        327,717.59          1
                                       6.750          2,127.41         80
                                       6.500          2,127.41
    CLARKSBURG       MD   20871          1            11/19/01         00
    0433484995                           03           01/01/02          0
    1473910                              O            12/01/31
    0

    6858394          196/G01             F          330,000.00         ZZ
                                         360        329,715.87          1
                                       6.750          2,140.38         62
                                       6.500          2,140.38
    NATICK           MA   01760          5            11/19/01         00
    0433484870                           05           01/01/02          0
    1474016                              O            12/01/31
    0

    6858396          196/G01             F          328,000.00         ZZ
                                         360        327,710.60          1
                                       6.625          2,100.23         80
                                       6.375          2,100.23
    AUSTIN           TX   78732          1            11/21/01         00
    0433484524                           03           01/01/02          0
    1474044                              O            12/01/31
    0

1

    6858398          196/G01             F          500,000.00         ZZ
                                         360        499,558.86          1
                                       6.625          3,201.56         78
                                       6.375          3,201.56
    RANCHO PALOS VE  CA   90274          2            11/14/01         00
    0433484748                           05           01/01/02          0
    1474088                              O            12/01/31
    0

    6858400          196/G01             F          356,250.00         ZZ
                                         360        355,943.27          1
                                       6.750          2,310.64         75
                                       6.500          2,310.64
    SONOMA           CA   95476          5            11/19/01         00
    0433482544                           05           01/01/02          0
    1474222                              O            12/01/31
    0

    6858402          196/G01             F          466,000.00         ZZ
                                         360        465,588.86          1
                                       6.625          2,983.85         72
                                       6.375          2,983.85
    LA CANADA-FLINT  CA   91011          2            11/12/01         00
    0433484813                           05           01/01/02          0
    1475346                              O            12/01/31
    0

    6858404          196/G01             F          416,000.00         ZZ
                                         360        415,632.97          1
                                       6.625          2,663.70         73
                                       6.375          2,663.70
    AUSTIN           TX   78746          2            11/20/01         00
    0433482775                           05           01/01/02          0
    1476106                              O            12/01/31
    0

    6858410          196/G01             F          440,000.00         ZZ
                                         360        439,602.23          1
                                       6.500          2,781.10         61
                                       6.250          2,781.10
    SAN DIEGO        CA   92130          2            11/20/01         00
    0433489309                           03           01/01/02          0
    1476428                              O            12/01/31
    0

    6858412          196/G01             F          239,000.00         ZZ
                                         360        238,804.09          1
                                       7.000          1,590.08         78
                                       6.750          1,590.08
1

    VALLEY CENTER    CA   92082          1            11/20/01         00
    0433484961                           05           01/01/02          0
    1477151                              O            12/01/31
    0

    6858416          196/G01             F          318,500.00         ZZ
                                         360        318,232.42          1
                                       6.875          2,092.32         90
                                       6.625          2,092.32
    HOMEWOOD BHAM    AL   35209          1            11/21/01         10
    0433484979                           05           01/01/02         25
    1479708                              O            12/01/31
    0

    6858870          676/G01             F          440,000.00         ZZ
                                         360        438,911.66          1
                                       7.000          2,927.34         80
                                       6.750          2,927.34
    HONOLULU         HI   96822          1            09/21/01         00
    0433440971                           01           11/01/01          0
    4060014124                           O            10/01/31
    0

    6859252          X17/G01             F          335,000.00         ZZ
                                         360        334,732.10          1
                                       7.125          2,256.96         49
                                       6.875          2,256.96
    KINNELON         NJ   07405          5            11/09/01         00
    0433465143                           05           01/01/02          0
    010442                               O            12/01/31
    0

    6859420          M27/G01             F          315,050.00         ZZ
                                         360        315,050.00          1
                                       6.750          2,043.41         90
                                       6.500          2,043.41
    GERMANTOWN       TN   38138          2            12/11/01         01
    0433534344                           05           02/01/02         25
    300714679                            O            01/01/32
    0

    6859932          E76/G01             F          315,000.00         ZZ
                                         360        315,000.00          1
                                       6.750          2,043.08         52
                                       6.500          2,043.08
    TULSA            OK   74137          2            12/14/01         00
    0433542552                           03           02/01/02          0
    10010018                             O            01/01/32
    0
1

    6860210          L60/F27             F          114,000.00         ZZ
                                         360        111,258.31          1
                                       6.750            739.40         51
                                       6.500            739.40
    GAINESVILLE      GA   30501          5            10/18/01         00
    6990438771                           05           12/01/01          0
    6990438771                           O            11/01/31
    0

    6860212          L60/F27             F          118,392.50         ZZ
                                         360        118,092.41          1
                                       6.875            777.75         57
                                       6.625            777.75
    PINNACLE         NC   27043          1            09/21/01         00
    6610465259                           05           11/01/01          0
    6610465259                           O            10/01/31
    0

    6860272          L60/F27             F          312,000.00         ZZ
                                         360        311,208.79          1
                                       6.875          2,049.62         80
                                       6.625          2,049.62
    STEVENSVILLE     MD   21666          5            09/28/01         00
    6990448734                           05           11/01/01          0
    6990448734                           O            10/01/31
    0

    6860274          L60/F27             F          312,000.00         ZZ
                                         360        311,474.26          1
                                       6.875          2,049.62         75
                                       6.625          2,049.62
    BALTIMORE        MD   21212          2            10/22/01         00
    6920147478                           03           12/01/01          0
    6920147478                           O            11/01/31
    0

    6860278          L60/F27             F          314,000.00         T
                                         360        313,242.20          1
                                       7.125          2,115.48         49
                                       6.875          2,115.48
    COROLLA          NC   27927          2            10/05/01         00
    6990433575                           05           11/01/01          0
    6990433575                           O            10/01/31
    0

    6860292          L60/F27             F          324,800.00         ZZ
                                         360        324,035.26          1
1

                                       7.250          2,215.71         80
                                       7.000          2,215.71
    DAVIDSON         NC   28036          1            09/12/01         00
    6610513822                           05           11/01/01          0
    6610513822                           O            10/01/31
    0

    6860302          L60/F27             F          336,000.00         ZZ
                                         360        335,433.82          1
                                       6.875          2,207.28         75
                                       6.625          2,207.28
    GREENSBORO       NC   27410          2            10/12/01         00
    6990439743                           05           12/01/01          0
    6990439743                           O            11/01/31
    0

    6860306          L60/F27             F          340,000.00         ZZ
                                         360        339,293.82          1
                                       6.875          2,233.56         66
                                       6.625          2,233.56
    IRMO             SC   29063          1            10/05/01         00
    6610606332                           03           12/01/01          0
    6610606332                           O            11/01/31
    0

    6860320          L60/F27             F          348,000.00         ZZ
                                         359        347,175.05          1
                                       7.250          2,375.83         80
                                       7.000          2,375.83
     MORGANTON       NC   28655          2            09/24/01         00
    6610471461                           05           11/01/01          0
    6610471461                           O            09/01/31
    0

    6860324          L60/F27             F          350,000.00         ZZ
                                         360        349,077.17          1
                                       7.375          2,417.36         87
                                       7.125          2,417.36
    STAFFORD         VA   22554          1            09/14/01         10
    6920005169                           05           11/01/01         25
    6920005169                           O            10/01/31
    0

    6860332          L60/F27             F          351,500.00         ZZ
                                         360        350,920.49          1
                                       7.000          2,338.54         79
                                       6.750          2,338.54
    GAITHERSBURG     MD   20878          2            10/16/01         00
    6920107921                           03           12/01/01          0
1

    6920107921                           O            11/01/31
    0

    6860336          L60/F27             F          358,000.00         ZZ
                                         360        356,586.62          1
                                       7.250          2,442.19         77
                                       7.000          2,442.19
    CHAPEL HILL      NC   27514          1            07/30/01         00
    6990403838                           03           09/01/01          0
    6990403838                           O            08/01/31
    0

    6860338          L60/F27             F          358,000.00         ZZ
                                         360        357,411.39          1
                                       7.000          2,381.78         80
                                       6.750          2,381.78
    CENTREVILLE      VA   20120          2            10/04/01         00
    6990440717                           03           12/01/01          0
    6990440717                           O            11/01/31
    0

    6860342          L60/F27             F          360,000.00         ZZ
                                         360        358,992.50          1
                                       6.875          2,364.94         56
                                       6.625          2,364.94
    OXFORD           NC   27565          5            10/19/01         00
    6610851639                           05           12/01/01          0
    6610851639                           O            11/01/31
    0

    6860344          L60/F27             F          360,000.00         ZZ
                                         360        359,393.39          1
                                       6.875          2,364.94         80
                                       6.625          2,364.94
    ANNAPOLIS        MD   21401          2            10/09/01         00
    6920170313                           03           12/01/01          0
    6920170313                           O            11/01/31
    0

    6860346          L60/F27             F          360,900.00         ZZ
                                         360        360,291.86          1
                                       6.875          2,370.86         90
                                       6.625          2,370.86
    CROFTON          MD   21114          2            10/19/01         01
    6920169765                           05           12/01/01         25
    6920169765                           O            11/01/31
    0

1

    6860364          L60/F27             F          388,800.00         ZZ
                                         360        387,187.17          1
                                       7.000          2,586.70         80
                                       6.750          2,586.70
    FAIRFAX          VA   22030          1            07/12/01         00
    6920003077                           03           09/01/01          0
    6920003077                           O            08/01/31
    0

    6860370          L60/F27             F          400,000.00         ZZ
                                         360        399,325.97          1
                                       6.875          2,627.72         80
                                       6.625          2,627.72
    FAIRFAX          VA   22030          2            10/09/01         00
    6920174602                           05           12/01/01          0
    6920174602                           O            11/01/31
    0

    6860372          L60/F27             F          400,000.00         ZZ
                                         360        399,342.33          1
                                       7.000          2,661.21         80
                                       6.750          2,661.21
    REISTERSTOWN     MD   21136          2            10/11/01         00
    6920165743                           05           12/01/01          0
    6920165743                           O            11/01/31
    0

    6860374          L60/F27             F          401,800.00         ZZ
                                         360        401,122.95          1
                                       6.875          2,639.54         70
                                       6.625          2,639.54
    CHEVY CHASE      MD   20815          5            10/17/01         00
    6960264876                           05           12/01/01          0
    6960264876                           O            11/01/31
    0

    6860382          L60/F27             F          418,000.00         ZZ
                                         360        417,039.94          1
                                       7.375          2,887.02         76
                                       7.125          2,887.02
    FAIRFAX          VA   22030          1            09/28/01         00
    6990411148                           05           11/01/01          0
    6990411148                           O            10/01/31
    0

    6860388          L60/F27             F          426,000.00         ZZ
                                         360        425,316.64          1
                                       7.125          2,870.05         80
                                       6.875          2,870.05
1

    PURCELLVILLE     VA   20132          2            10/19/01         00
    6960268111                           05           12/01/01          0
    6960268111                           O            11/01/31
    0

    6860390          L60/F27             F          430,300.00         ZZ
                                         360        429,346.70          1
                                       6.750          2,790.92         70
                                       6.500          2,790.92
    ATLANTA          GA   30306          5            10/17/01         00
    6610891657                           05           12/01/01          0
    6610891657                           O            11/01/31
    0

    6860396          L60/F27             F          450,000.00         ZZ
                                         360        449,247.81          1
                                       7.000          2,993.86         50
                                       6.750          2,993.86
    BURLINGTON       NC   27215          1            10/12/01         00
    6610452572                           05           12/01/01          0
    6610452572                           O            11/01/31
    0

    6860404          L60/F27             F          455,300.00         ZZ
                                         360        454,201.21          1
                                       7.125          3,067.44         80
                                       6.875          3,067.44
    KENSINGTON       MD   20895          2            10/03/01         00
    6990439395                           05           11/01/01          0
    6990439395                           O            10/01/31
    0

    6860414          L60/F27             F          509,200.00         ZZ
                                         360        508,299.02          1
                                       6.625          3,260.46         80
                                       6.375          3,260.46
    MYRTLE BEACH     SC   29579          1            10/18/01         00
    6610910899                           05           12/01/01          0
    6610910899                           O            11/01/31
    0

    6860418          L60/F27             F          514,000.00         ZZ
                                         360        513,154.91          1
                                       7.000          3,419.65         62
                                       6.750          3,419.65
    RALEIGH          NC   27614          5            10/16/01         00
    6610884421                           03           12/01/01          0
    6610884421                           O            11/01/31
    0
1

    6860420          L60/F27             F          513,600.00         ZZ
                                         360        512,329.63          1
                                       7.000          3,416.99         80
                                       6.750          3,416.99
    WASHINGTON       DC   20008          1            09/24/01         00
    6990432188                           05           11/01/01          0
    6990432188                           O            10/01/31
    0

    6860426          L60/F27             F          528,000.00         ZZ
                                         350        527,072.08          1
                                       7.000          3,542.61         80
                                       6.750          3,542.61
    WAKE FOREST      NC   27587          1            10/05/01         00
    6610268488                           03           12/01/01          0
    6610268488                           O            01/01/31
    0

    6860434          L60/F27             F          550,000.00         ZZ
                                         360        549,050.26          1
                                       6.750          3,567.29         75
                                       6.500          3,567.29
    BURKE            VA   22015          2            10/15/01         00
    6920081264                           09           12/01/01          0
    6920081264                           O            11/01/31
    0

    6860436          L60/F27             F          562,860.00         ZZ
                                         360        560,857.12          1
                                       6.625          3,604.05         80
                                       6.375          3,604.05
    SILVER SPRING    MD   20905          1            08/23/01         00
    6920054712                           03           10/01/01          0
    6920054712                           O            09/01/31
    0

    6860670          K88/G01             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.875          3,284.65         39
                                       6.625          3,284.65
    SEA GIRT         NJ   08750          1            12/03/01         00
    0433443108                           05           02/01/02          0
    17384                                O            01/01/32
    0

    6861032          L96/G01             F          340,000.00         ZZ
                                         360        340,000.00          1
1

                                       6.625          2,177.06         80
                                       6.375          2,177.06
    CAMARILLO        CA   93012          1            12/05/01         00
    0433507357                           05           02/01/02          0
    0511488                              O            01/01/32
    0

    6861228          J83/G01             F          315,200.00         ZZ
                                         360        314,668.87          1
                                       6.875          2,070.64         80
                                       6.625          2,070.64
    BIRMINGHAM       AL   35242          1            10/26/01         00
    0433481397                           03           12/01/01          0
    312545                               O            11/01/31
    0

    6863178          K68/G01             F          422,000.00         ZZ
                                         360        422,000.00          1
                                       6.750          2,737.09         67
                                       6.500          2,737.09
    RIDGELAND        MS   39157          2            12/14/01         00
    0433522000                           05           02/01/02          0
    1248749                              O            01/01/32
    0

    6863574          Q73/G01             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       6.500          2,401.86         80
                                       6.250          2,401.86
    TUPELO           MS   38804          1            12/21/01         00
    0433544772                           05           02/01/02          0
    2867597                              O            01/01/32
    0

    6865814          944/G01             F          315,000.00         ZZ
                                         360        315,000.00          1
                                       7.000          2,095.71         63
                                       6.750          2,095.71
    KENNESAW         GA   30152          5            12/13/01         00
    0433504552                           05           02/01/02          0
    W01094624                            O            01/01/32
    0

    6866718          N47/G01             F          334,800.00         ZZ
                                         360        334,800.00          1
                                       6.750          2,171.51         52
                                       6.500          2,171.51
    MORGAN HILL      CA   95037          2            12/11/01         00
    0433513801                           05           02/01/02          0
1

    20410548                             O            01/01/32
    0

    6867652          Q59/G01             F          560,000.00         ZZ
                                         360        560,000.00          1
                                       6.875          3,678.80         70
                                       6.625          3,678.80
    LOS ANGELES      CA   90056          2            12/17/01         00
    0433527348                           05           02/01/02          0
    304383                               O            01/01/32
    0

    6869406          W94/G01             F          445,000.00         ZZ
                                         360        445,000.00          1
                                       7.375          3,073.50         65
                                       7.125          3,073.50
    DANVILLE         CA   94526          1            12/11/01         00
    0433538543                           05           02/01/02          0
    01SAC1640                            O            01/01/32
    0

    6872816          M96/G01             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.875          4,270.04         80
                                       6.625          4,270.04
    MIDLAND          MI   48640          2            12/14/01         00
    0433495462                           05           02/01/02          0
    200102068                            O            01/01/32
    0

    6874622          N47/G01             F          398,000.00         ZZ
                                         360        398,000.00          1
                                       6.625          2,548.44         75
                                       6.375          2,548.44
    OAKLAND          CA   94602          2            12/13/01         00
    0433525326                           05           02/01/02          0
    20212162                             O            01/01/32
    0

    6875638          S11/G01             F          485,000.00         ZZ
                                         360        484,592.55          1
                                       6.875          3,186.10         45
                                       6.625          3,186.10
    LAGUNA HILLS     CA   92653          2            11/08/01         00
    0433446390                           03           01/01/02          0
    10204932                             O            12/01/31
    0

1

    6878470          893/G01             F          380,000.00         ZZ
                                         360        380,000.00          1
                                       7.125          2,560.13         80
                                       6.875          2,560.13
    SUNNYVALE        CA   94086          1            12/17/01         00
    0433512027                           05           02/01/02          0
    1121001                              O            01/01/32
    0

    6879262          E22/G01             F          540,000.00         ZZ
                                         360        540,000.00          1
                                       6.500          3,413.17         60
                                       6.250          3,413.17
    SAN DIEGO        CA   92107          5            11/30/01         00
    0413266479                           05           02/01/02          0
    0413266479                           O            01/01/32
    0

    6879276          E22/G01             F          460,500.00         ZZ
                                         360        460,083.71          1
                                       6.500          2,910.67         70
                                       6.250          2,910.67
    ROUND ROCK       TX   78664          2            12/03/01         00
    0413291527                           03           01/01/02          0
    0413291527                           O            12/01/31
    0

    6879278          E22/G01             F          344,800.00         ZZ
                                         360        344,800.00          1
                                       6.750          2,236.37         53
                                       6.500          2,236.37
    CARLSBAD         CA   92008          2            11/27/01         00
    0413292350                           03           02/01/02          0
    0413292350                           O            01/01/32
    0

    6879288          E22/G01             F          382,000.00         ZZ
                                         360        381,654.67          1
                                       6.500          2,414.50         37
                                       6.250          2,414.50
    SANTA MONICA     CA   90402          2            11/30/01         00
    0413295759                           05           01/01/02          0
    0413295759                           O            12/01/31
    0

    6879290          E22/G01             F          330,000.00         ZZ
                                         360        329,694.36          1
                                       6.375          2,058.77         75
                                       6.125          2,058.77
1

    TITTABAWASSEE T  MI   48623          5            12/03/01         00
    0413297391                           05           01/01/02          0
    0413297391                           O            12/01/31
    0

    6879298          E22/G01             F          380,000.00         ZZ
                                         360        379,656.47          1
                                       6.500          2,401.86         80
                                       6.250          2,401.86
    WALNUT CREEK     CA   94596          2            11/30/01         00
    0413300443                           05           01/01/02          0
    0413300443                           O            12/01/31
    0

    6879308          E22/G01             F          347,600.00         ZZ
                                         360        347,600.00          1
                                       6.750          2,254.53         50
                                       6.500          2,254.53
    ORINDA           CA   94563          2            11/30/01         00
    0413303538                           05           02/01/02          0
    0413303538                           O            01/01/32
    0

    6879310          E22/G01             F          395,000.00         ZZ
                                         360        394,668.15          1
                                       6.875          2,594.87         78
                                       6.625          2,594.87
    RALEIGH          NC   27615          2            12/03/01         00
    0413305376                           05           01/01/02          0
    0413305376                           O            12/01/31
    0

    6879328          E22/G01             F          373,000.00         ZZ
                                         360        372,686.64          1
                                       6.875          2,450.34         67
                                       6.625          2,450.34
    SAN CARLOS       CA   94070          5            11/20/01         00
    0413318452                           05           01/01/02          0
    0413318452                           O            12/01/31
    0

    6879344          E22/G01             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.875          2,102.17         67
                                       6.625          2,102.17
    NEWARK           CA   94560          5            11/29/01         00
    0413325101                           05           02/01/02          0
    0413325101                           O            01/01/32
    0
1

    6879368          E22/G01             F          398,250.00         ZZ
                                         360        397,915.42          1
                                       6.875          2,616.22         75
                                       6.625          2,616.22
    DALLAS           TX   75229          5            12/03/01         00
    0413336231                           05           01/01/02          0
    0413336231                           O            12/01/31
    0

    6879418          E22/G01             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       7.250          2,182.96         80
                                       7.000          2,182.96
    REDWOOD CITY     CA   94063          1            12/03/01         00
    0413365065                           05           02/01/02          0
    0413365065                           O            01/01/32
    0

    6879684          E82/G01             F          335,000.00         ZZ
                                         360        335,000.00          1
                                       7.125          2,256.96         70
                                       6.875          2,256.96
    PISMO BEACH      CA   93449          5            12/06/01         00
    0400527586                           05           02/01/02          0
    0400527586                           O            01/01/32
    0

    6879686          E82/G01             F          420,900.00         ZZ
                                         360        420,900.00          1
                                       6.875          2,765.01         57
                                       6.625          2,765.01
    HOLLISTER        CA   95023          2            12/06/01         00
    0400545703                           05           02/01/02          0
    0400545703                           O            01/01/32
    0

    6879698          E82/G01             F          274,300.00         ZZ
                                         360        274,300.00          1
                                       6.750          1,779.10         57
                                       6.500          1,779.10
    HINGHAM          MA   02043          2            12/06/01         00
    0400548384                           05           02/01/02          0
    1627278                              O            01/01/32
    0

    6879704          E82/G01             F          314,000.00         ZZ
                                         360        314,000.00          1
1

                                       6.875          2,062.76         69
                                       6.625          2,062.76
    MARTINEZ         CA   94553          2            12/06/01         00
    0400523569                           05           02/01/02          0
    1886591                              O            01/01/32
    0

    6879712          E82/G01             F          335,500.00         ZZ
                                         360        335,500.00          1
                                       7.250          2,288.70         85
                                       7.000          2,288.70
    PLYMOUTH         MI   48170          2            12/06/01         04
    0400517280                           03           02/01/02         12
    3908730                              O            01/01/32
    0

    6879718          E82/G01             F          770,750.00         ZZ
                                         360        770,750.00          1
                                       7.000          5,127.82         58
                                       6.750          5,127.82
    SARATOGA         CA   95070          2            12/03/01         00
    0400523791                           05           02/01/02          0
    1637701                              O            01/01/32
    0

    6880294          696/G01             F          477,000.00         ZZ
                                         360        476,589.32          1
                                       6.750          3,093.81         64
                                       6.500          3,093.81
    BETHESDA         MD   20817          2            11/19/01         00
    0433494200                           05           01/01/02          0
    30201209                             O            12/01/31
    0

    6880296          696/G01             F          370,000.00         ZZ
                                         360        369,681.44          1
                                       6.750          2,399.81         75
                                       6.500          2,399.81
    GAITHERSBURG     MD   20878          2            12/03/01         00
    0433485752                           03           01/01/02          0
    30201213                             O            12/01/31
    0

    6880298          696/G01             F          458,000.00         ZZ
                                         360        457,615.23          1
                                       6.875          3,008.73         50
                                       6.625          3,008.73
    LEESBURG         VA   20175          5            11/30/01         00
    0433471414                           03           01/01/02          0
1

    21401126                             O            12/01/31
    0

    6883236          Q44/G01             F          311,000.00         ZZ
                                         360        311,000.00          1
                                       6.875          2,043.05         75
                                       6.625          2,043.05
    CLARKSTON        MI   48348          2            12/03/01         00
    0433462041                           05           02/01/02          0
    12376                                O            01/01/32
    0

    6887876          E87/G01             F          325,000.00         ZZ
                                         360        325,000.00          1
                                       7.250          2,217.07         55
                                       7.000          2,217.07
    ARROYO GRANDE    CA   93420          5            12/18/01         00
    0433512217                           05           02/01/02          0
    70003942                             O            01/01/32
    0

    6889562          B49/G01             F          567,500.00         ZZ
                                         360        567,500.00          1
                                       6.625          3,633.77         71
                                       6.375          3,633.77
    DENVER           CO   80220          2            12/14/01         00
    0433538287                           05           02/01/02          0
    000220860111                         O            01/01/32
    0

    6890002          944/G01             F          376,000.00         ZZ
                                         360        376,000.00          1
                                       6.750          2,438.73         80
                                       6.500          2,438.73
    FOLSOM           CA   95630          1            12/07/01         00
    0433543733                           05           02/01/02          0
    W01116019                            O            01/01/32
    0

    6891162          B57/G01             F          386,400.00         ZZ
                                         360        386,400.00          1
                                       7.250          2,635.93         80
                                       7.000          2,635.93
    THOUSAND OAKS    CA   91362          1            12/18/01         00
    0433519659                           05           02/01/02          0
    2119314                              O            01/01/32
    0

1

    6894358          696/G01             F          340,000.00         ZZ
                                         360        339,714.36          1
                                       6.875          2,233.56         52
                                       6.625          2,233.56
    BETHESDA         MD   20816          5            11/20/01         00
    0433466505                           05           01/01/02          0
    31801202                             O            12/01/31
    0

    6894360          696/G01             F        1,000,000.00         ZZ
                                         360        999,159.88          1
                                       6.875          6,569.29         35
                                       6.625          6,569.29
    WASHINGTON       DC   20007          5            11/20/01         00
    0433466539                           05           01/01/02          0
    24401172                             O            12/01/31
    0

    6894362          696/G01             F          650,000.00         ZZ
                                         360        649,453.92          1
                                       6.875          4,270.04         78
                                       6.625          4,270.04
    OAKTON           VA   22124          2            11/28/01         00
    0433471349                           03           01/01/02          0
    23601156                             O            12/01/31
    0

    6894364          696/G01             F          391,800.00         ZZ
                                         360        391,470.84          1
                                       6.875          2,573.85         80
                                       6.625          2,573.85
    POOLESVILLE      MD   20837          2            11/20/01         00
    0433471224                           05           01/01/02          0
    24401178                             O            12/01/31
    0

    6897290          944/G01             F          362,000.00         ZZ
                                         360        362,000.00          1
                                       6.500          2,288.09         73
                                       6.250          2,288.09
    TUCSON           AZ   85718          2            12/13/01         00
    0433526175                           05           02/01/02          0
    W01104840                            O            01/01/32
    0

    6901188          B60/G01             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.625          4,162.02         60
                                       6.375          4,162.02
1

    NEWPORT BEACH    CA   92625          2            12/07/01         00
    0433520467                           03           02/01/02          0
    375088                               O            01/01/32
    0

    6902766          E22/G01             F          413,350.00         ZZ
                                         360        413,350.00          1
                                       7.000          2,750.03         80
                                       6.750          2,750.03
    BARTONVILLE      TX   76226          2            12/05/01         00
    0413224825                           05           02/01/02          0
    0413224825                           O            01/01/32
    0

    6902818          E22/G01             F          385,000.00         ZZ
                                         360        385,000.00          1
                                       6.625          2,465.20         49
                                       6.375          2,465.20
    TEQUESTA         FL   33469          2            12/05/01         00
    0413267519                           03           02/01/02          0
    0413267519                           O            01/01/32
    0

    6902824          E22/G01             F          670,000.00         ZZ
                                         360        670,000.00          1
                                       6.625          4,290.08         54
                                       6.375          4,290.08
    MONKTON          MD   21111          2            12/05/01         00
    0413277815                           05           02/01/02          0
    0413277815                           O            01/01/32
    0

    6902836          E22/G01             F          905,100.00         ZZ
                                         360        905,100.00          1
                                       6.750          5,870.46         51
                                       6.500          5,870.46
    TENAFLY          NJ   07670          2            12/05/01         00
    0413283599                           05           02/01/02          0
    0413283599                           O            01/01/32
    0

    6902840          E22/G01             F          408,000.00         ZZ
                                         360        408,000.00          1
                                       6.625          2,612.47         80
                                       6.375          2,612.47
    SIMI VALLEY      CA   93065          1            12/04/01         00
    0413284506                           03           02/01/02          0
    0413284506                           O            01/01/32
    0
1

    6902866          E22/G01             F          568,000.00         ZZ
                                         360        568,000.00          1
                                       6.625          3,636.97         72
                                       6.375          3,636.97
    SAN JOSE         CA   95120          2            12/03/01         00
    0413293812                           05           02/01/02          0
    0413293812                           O            01/01/32
    0

    6902868          E22/G01             F          412,000.00         ZZ
                                         360        412,000.00          1
                                       6.625          2,638.08         59
                                       6.375          2,638.08
    BERKELEY         CA   94707          2            12/04/01         00
    0413294323                           05           02/01/02          0
    0413294323                           O            01/01/32
    0

    6902870          E22/G01             F          345,000.00         ZZ
                                         360        345,000.00          1
                                       6.625          2,209.07         80
                                       6.375          2,209.07
    SAN ANTONIO      TX   78209          2            12/05/01         00
    0413294653                           05           02/01/02          0
    0413294653                           O            01/01/32
    0

    6902896          E22/G01             F          535,000.00         ZZ
                                         360        534,516.36          1
                                       6.500          3,381.56         75
                                       6.250          3,381.56
    HOUSTON          TX   77019          2            11/30/01         00
    0413304494                           05           01/01/02          0
    0413304494                           O            12/01/31
    0

    6902904          E22/G01             F          432,500.00         ZZ
                                         360        432,500.00          1
                                       6.750          2,805.19         50
                                       6.500          2,805.19
    GILROY           CA   95020          2            12/04/01         00
    0413306010                           05           02/01/02          0
    0413306010                           O            01/01/32
    0

    6902910          E22/G01             F          452,000.00         ZZ
                                         360        452,000.00          1
1

                                       6.625          2,894.21         54
                                       6.375          2,894.21
    TOPANGA          CA   90290          2            12/05/01         00
    0413308164                           05           02/01/02          0
    0413308164                           O            01/01/32
    0

    6902916          E22/G01             F        1,000,000.00         ZZ
                                         360      1,000,000.00          1
                                       6.625          6,403.11         68
                                       6.375          6,403.11
    AUSTIN           TX   78734          1            12/06/01         00
    0413309303                           03           02/01/02          0
    0413309303                           O            01/01/32
    0

    6902918          E22/G01             F          370,000.00         ZZ
                                         360        370,000.00          1
                                       6.750          2,399.81         46
                                       6.500          2,399.81
    BEND             OR   97701          5            12/05/01         00
    0413309568                           05           02/01/02          0
    0413309568                           O            01/01/32
    0

    6902920          E22/G01             F          325,000.00         ZZ
                                         360        325,000.00          1
                                       6.500          2,054.22         56
                                       6.250          2,054.22
    CHARLESTON       SC   29412          5            12/04/01         00
    0413310574                           05           02/01/02          0
    0413310574                           O            01/01/32
    0

    6902924          E22/G01             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.500          4,108.44         67
                                       6.250          4,108.44
    POTOMAC          MD   20854          2            12/05/01         00
    0413310954                           05           02/01/02          0
    0413310954                           O            01/01/32
    0

    6902928          E22/G01             F          409,000.00         ZZ
                                         360        409,000.00          1
                                       6.500          2,585.16         86
                                       6.250          2,585.16
    STAMFORD         CT   06903          1            12/10/01         01
    0413311226                           05           02/01/02         25
1

    0413311226                           O            01/01/32
    0

    6902930          E22/G01             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.625          4,162.02         33
                                       6.375          4,162.02
    JACKSONVILLE     FL   32207          2            12/05/01         00
    0413311275                           05           02/01/02          0
    0413311275                           O            01/01/32
    0

    6902938          E22/G01             F          367,000.00         ZZ
                                         360        367,000.00          1
                                       6.625          2,349.94         60
                                       6.375          2,349.94
    SEATTLE          WA   98136          2            12/04/01         00
    0413312828                           05           02/01/02          0
    0413312828                           O            01/01/32
    0

    6902940          E22/G01             F          649,000.00         ZZ
                                         360        649,000.00          1
                                       6.750          4,209.40         69
                                       6.500          4,209.40
    SAN DIEGO        CA   92120          5            12/05/01         00
    0413313024                           05           02/01/02          0
    0413313024                           O            01/01/32
    0

    6902942          E22/G01             F          393,000.00         ZZ
                                         360        393,000.00          1
                                       6.500          2,484.03         62
                                       6.250          2,484.03
    SEATTLE          WA   98122          2            12/04/01         00
    0413313073                           05           02/01/02          0
    0413313073                           O            01/01/32
    0

    6902948          E22/G01             F          199,500.00         ZZ
                                         360        199,500.00          1
                                       6.500          1,260.98         70
                                       6.250          1,260.98
    PENN VALLEY      CA   95946          5            12/03/01         00
    0413313693                           05           02/01/02          0
    0413313693                           O            01/01/32
    0

1

    6902950          E22/G01             F          594,000.00         ZZ
                                         360        594,000.00          1
                                       6.500          3,754.48         80
                                       6.250          3,754.48
    SAMMAMISH        WA   98074          2            12/04/01         00
    0413313701                           03           02/01/02          0
    0413313701                           O            01/01/32
    0

    6902968          E22/G01             F          425,000.00         ZZ
                                         360        425,000.00          1
                                       6.500          2,686.29         34
                                       6.250          2,686.29
    SEATTLE          WA   98115          2            12/04/01         00
    0413317884                           05           02/01/02          0
    0413317884                           O            01/01/32
    0

    6902988          E22/G01             F          379,000.00         ZZ
                                         360        379,000.00          1
                                       6.625          2,426.78         62
                                       6.375          2,426.78
    DANVILLE         CA   94526          5            12/04/01         00
    0413324963                           03           02/01/02          0
    0413324963                           O            01/01/32
    0

    6903078          E22/G01             F          432,000.00         ZZ
                                         360        432,000.00          1
                                       6.625          2,766.14         80
                                       6.375          2,766.14
    BELLEVUE         WA   98004          2            12/05/01         00
    0413364183                           05           02/01/02          0
    0413364183                           O            01/01/32
    0

    6903092          E22/G01             F          495,500.00         ZZ
                                         360        495,500.00          1
                                       6.500          3,131.90         50
                                       6.250          3,131.90
    SAN JOSE         CA   95138          2            12/03/01         00
    0413371527                           03           02/01/02          0
    0413371527                           O            01/01/32
    0

    6903382          E82/G01             F          417,900.00         ZZ
                                         360        417,900.00          1
                                       7.125          2,815.47         79
                                       6.875          2,815.47
1

    ARCADIA          CA   91006          2            12/07/01         00
    0400552576                           05           02/01/02          0
    0400552576                           O            01/01/32
    0

    6903404          W56/W56             F          301,500.00         ZZ
                                         360        301,500.00          1
                                       6.875          1,980.64         97
                                       6.625          1,980.64
    SEATTLE          WA   98117          2            12/05/01         00
    0400521142                           05           02/01/02          0
    0400521142                           O            01/01/32
    0

    6903490          Q73/G01             F          113,000.00         ZZ
                                         360        113,000.00          1
                                       6.750            732.92         71
                                       6.500            732.92
    BARTLETT         TN   38135          2            12/20/01         00
    0433541570                           05           02/01/02          0
    2887166                              O            01/01/32
    0

    6904844          944/G01             F          322,500.00         ZZ
                                         360        322,500.00          1
                                       6.875          2,118.60         70
                                       6.625          2,118.60
    SILVER SPRING    MD   20904          2            12/17/01         00
    0433516267                           05           02/01/02          0
    W01095559                            O            01/01/32
    0

    6907264          M27/G01             F          358,200.00         ZZ
                                         360        358,200.00          1
                                       6.750          2,323.28         77
                                       6.500          2,323.28
    CARY             NC   27513          2            12/19/01         00
    0433540739                           03           02/01/02          0
    600716263                            O            01/01/32
    0

    6909342          M24/G01             F          550,000.00         ZZ
                                         360        549,514.75          1
                                       6.625          3,521.71         39
                                       6.375          3,521.71
    ENCINITAS        CA   92024          2            11/02/01         00
    0433489424                           05           01/01/02          0
    2372001                              O            12/01/31
    0
1

    6911972          E33/G01             F          336,000.00         ZZ
                                         360        335,710.71          1
                                       6.750          2,179.29         80
                                       6.500          2,179.29
    LIBERTYVILLE     IL   60048          1            11/28/01         00
    0433440484                           05           01/01/02          0
    HEATHERI                             O            12/01/31
    0

    6916154          R65/G01             F          323,250.00         ZZ
                                         360        322,957.78          1
                                       6.500          2,043.16         75
                                       6.250          2,043.16
    LIBERTYVILLE     IL   60048          5            11/23/01         00
    0433437183                           05           01/01/02          0
    181593                               O            12/01/31
    0

    6918200          N28/G01             F          583,000.00         ZZ
                                         360        582,522.12          1
                                       7.000          3,878.71         73
                                       6.750          3,878.71
    PORTLAND         OR   97221          2            11/06/01         00
    0433451333                           05           01/01/02          0
    26074                                O            12/01/31
    0

    6919406          470/G01             F          391,500.00         ZZ
                                         360        391,500.00          1
                                       6.750          2,539.27         62
                                       6.500          2,539.27
    GLEN ELLEN       CA   95442          1            12/11/01         00
    0433518230                           05           02/01/02          0
    56003135                             O            01/01/32
    0

    6919688          696/G01             F          428,800.00         ZZ
                                         360        428,800.00          1
                                       6.750          2,781.19         80
                                       6.500          2,781.19
    POTOMAC          MD   20854          1            12/07/01         00
    0433466570                           03           02/01/02          0
    32701292                             O            01/01/32
    0

    6919690          696/G01             F          384,750.00         ZZ
                                         360        384,750.00          1
1

                                       6.375          2,400.34         80
                                       6.125          2,400.34
    WOODBRIDGE       VA   22191          2            12/05/01         00
    0433495868                           03           02/01/02          0
    10001060                             O            01/01/32
    0

    6919692          696/G01             F          650,000.00         ZZ
                                         360        649,440.36          1
                                       6.750          4,215.89         65
                                       6.500          4,215.89
    GREAT FALLS      VA   22066          2            11/30/01         00
    0433502366                           05           01/01/02          0
    10001061                             O            12/01/31
    0

    6923432          A39/G01             F          476,000.00         ZZ
                                         360        476,000.00          1
                                       7.250          3,247.16         80
                                       7.000          3,247.16
    WOODLAND HILLS   CA   91367          1            12/14/01         00
    0433534286                           05           02/01/02          0
    2102776                              O            01/01/32
    0

    6924614          E22/G01             F          542,250.00         ZZ
                                         360        541,805.53          1
                                       7.000          3,607.60         69
                                       6.750          3,607.60
    NEWPORT BEACH    CA   92661          2            11/27/01         00
    0413202672                           05           01/01/02          0
    0413202672                           O            12/01/31
    0

    6924660          E22/G01             F          432,000.00         ZZ
                                         360        432,000.00          1
                                       6.750          2,801.94         80
                                       6.500          2,801.94
    NEVADA CITY      CA   95959          1            12/04/01         00
    0413257767                           05           02/01/02          0
    0413257767                           O            01/01/32
    0

    6924670          E22/G01             F          412,000.00         ZZ
                                         360        412,000.00          1
                                       6.875          2,706.55         80
                                       6.625          2,706.55
    FAIRFAX STATION  VA   22039          2            12/05/01         00
    0413278565                           03           02/01/02          0
1

    0413278565                           O            01/01/32
    0

    6924676          E22/G01             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.500          2,149.03         60
                                       6.250          2,149.03
    LOWER GWYNEDD T  PA   19437          2            12/05/01         00
    0413286063                           05           02/01/02          0
    0413286063                           O            01/01/32
    0

    6924688          E22/G01             F          250,000.00         ZZ
                                         360        250,000.00          1
                                       6.500          1,580.17         66
                                       6.250          1,580.17
    IRVINE           CA   92604          2            12/03/01         00
    0413299421                           03           02/01/02          0
    0413299421                           O            01/01/32
    0

    6924698          E22/G01             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.750          3,242.99         80
                                       6.500          3,242.99
    DEL MAR          CA   92014          2            12/06/01         00
    0413308461                           05           02/01/02          0
    0413308461                           O            01/01/32
    0

    6924700          E22/G01             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       7.000          2,794.27         80
                                       6.750          2,794.27
    SAN LEANDRO      CA   94577          2            11/29/01         00
    0413309899                           05           02/01/02          0
    0413309899                           O            01/01/32
    0

    6924704          E22/G01             F          315,000.00         ZZ
                                         360        315,000.00          1
                                       6.750          2,043.08         29
                                       6.500          2,043.08
    MIAMI            FL   33137          2            12/06/01         00
    0413314964                           03           02/01/02          0
    0413314964                           O            01/01/32
    0

1

    6924710          E22/G01             F          375,000.00         ZZ
                                         360        375,000.00          1
                                       6.500          2,370.26         60
                                       6.250          2,370.26
    SAN RAMON        CA   94583          5            12/06/01         00
    0413316696                           03           02/01/02          0
    0413316696                           O            01/01/32
    0

    6924712          E22/G01             F          399,950.00         ZZ
                                         360        399,950.00          1
                                       6.625          2,560.92         78
                                       6.375          2,560.92
    REDMOND          WA   98052          2            11/29/01         00
    0413317983                           05           02/01/02          0
    0413317983                           O            01/01/32
    0

    6924714          E22/G01             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.875          2,364.94         48
                                       6.625          2,364.94
    RIVER FOREST     IL   60305          5            12/06/01         00
    0413318379                           05           02/01/02          0
    0413318379                           O            01/01/32
    0

    6924734          E22/G01             F          417,500.00         ZZ
                                         360        417,500.00          1
                                       6.750          2,707.90         76
                                       6.500          2,707.90
    BETHESDA         MD   20817          2            12/06/01         00
    0413334269                           05           02/01/02          0
    0413334269                           O            01/01/32
    0

    6924742          E22/G01             F          335,000.00         ZZ
                                         360        335,000.00          1
                                       6.750          2,172.80         75
                                       6.500          2,172.80
    NOVATO           CA   94947          2            11/26/01         00
    0413340050                           05           02/01/02          0
    0413340050                           O            01/01/32
    0

    6924744          E22/G01             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.750          2,205.23         57
                                       6.500          2,205.23
1

    WAYNE            NJ   07470          2            12/06/01         00
    0413340290                           05           02/01/02          0
    0413340290                           O            01/01/32
    0

    6924746          E22/G01             F          399,999.00         ZZ
                                         360        399,999.00          1
                                       6.750          2,594.39         75
                                       6.500          2,594.39
    UNION CITY       CA   94587          2            12/03/01         00
    0413341546                           05           02/01/02          0
    0413341546                           O            01/01/32
    0

    6924750          E22/G01             F          449,280.00         ZZ
                                         360        449,280.00          1
                                       6.625          2,876.79         80
                                       6.375          2,876.79
    SIMI VALLEY      CA   93065          1            12/05/01         00
    0413343948                           03           02/01/02          0
    0413343948                           O            01/01/32
    0

    6924752          E22/G01             F          542,700.00         ZZ
                                         360        542,700.00          1
                                       6.625          3,474.97         80
                                       6.375          3,474.97
    SIMI VALLEY      CA   93065          1            12/05/01         00
    0413344011                           03           02/01/02          0
    0413344011                           O            01/01/32
    0

    6924756          E22/G01             F          112,000.00         ZZ
                                         360        112,000.00          1
                                       7.250            764.04         56
                                       7.000            764.04
    DENVER           CO   80211          2            12/06/01         00
    0413345455                           09           02/01/02          0
    0413345455                           O            01/01/32
    0

    6924782          E22/G01             F          450,000.00         ZZ
                                         360        450,000.00          1
                                       6.875          2,956.18         75
                                       6.625          2,956.18
    SAN CARLOS       CA   94070          1            12/07/01         00
    0413363953                           05           02/01/02          0
    0413363953                           O            01/01/32
    0
1

    6925382          P60/G01             F          369,600.00         ZZ
                                         360        368,961.77          1
                                       6.750          2,397.22         80
                                       6.500          2,397.22
    SYLVANIA         OH   43560          1            10/26/01         00
    0433467016                           05           12/01/01          0
    6100066577                           O            11/01/31
    0

    6925430          E82/G01             F          335,000.00         ZZ
                                         360        335,000.00          1
                                       6.625          2,145.04         63
                                       6.375          2,145.04
    BRECKENRIDGE     CO   80424          2            12/07/01         00
    0400538609                           05           02/01/02          0
    0400538609                           O            01/01/32
    0

    6925436          E82/G01             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.875          3,284.64         70
                                       6.625          3,284.64
    MORGAN HILL      CA   95037          5            12/04/01         00
    0400526893                           05           02/01/02          0
    1764188                              O            01/01/32
    0

    6925438          E82/G01             F          629,000.00         ZZ
                                         360        629,000.00          1
                                       6.875          4,132.08         58
                                       6.625          4,132.08
    SUNNYVALE        CA   94087          2            12/05/01         00
    0400514246                           05           02/01/02          0
    1793352                              O            01/01/32
    0

    6925440          E82/G01             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.875          2,299.25         59
                                       6.625          2,299.25
    PLEASANTON       CA   94588          5            12/07/01         00
    0400528378                           05           02/01/02          0
    0400528378                           O            01/01/32
    0

    6925446          E82/G01             F          977,300.00         ZZ
                                         360        977,300.00          1
1

                                       6.625          6,257.76         52
                                       6.375          6,257.76
    HONOLULU         HI   96815          2            12/06/01         00
    0400537601                           05           02/01/02          0
    0400537601                           O            01/01/32
    0

    6925458          E82/G01             F          288,000.00         ZZ
                                         360        288,000.00          1
                                       6.750          1,867.96         80
                                       6.500          1,867.96
    CLAREMONT        CA   91711          2            12/05/01         00
    0400527925                           05           02/01/02          0
    4219092                              O            01/01/32
    0

    6925460          E82/G01             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       7.000          4,324.47         72
                                       6.750          4,324.47
    BELMONT          CA   94002          2            12/05/01         00
    0400517835                           05           02/01/02          0
    3793767                              O            01/01/32
    0

    6925468          E82/G01             F          378,000.00         ZZ
                                         360        378,000.00          1
                                       6.750          2,451.70         69
                                       6.500          2,451.70
    HUNTINGTON BEAC  CA   92646          5            12/04/01         00
    0400519500                           05           02/01/02          0
    0400519500                           O            01/01/32
    0

    6928364          E33/G01             F          365,000.00         ZZ
                                         360        365,000.00          1
                                       6.875          2,397.79         62
                                       6.625          2,397.79
    LAKE FOREST      IL   60045          5            12/05/01         00
    0433447059                           05           02/01/02          0
    SIEBERT                              O            01/01/32
    0

    6929206          N47/G01             F          345,000.00         ZZ
                                         360        345,000.00          1
                                       6.875          2,266.40         55
                                       6.625          2,266.40
    BERKELEY         CA   94707          2            12/01/01         00
    0433488327                           05           02/01/02          0
1

    20212097                             O            01/01/32
    0

    6930658          E76/G01             F          421,322.00         ZZ
                                         360        420,959.25          1
                                       6.750          2,732.69         61
                                       6.500          2,732.69
    ALEXANDRIA       LA   71301          5            11/26/01         00
    0433475597                           05           01/01/02          0
    10009241                             O            12/01/31
    0

    6931238          R65/G01             F          393,000.00         ZZ
                                         360        393,000.00          1
                                       6.750          2,548.99         78
                                       6.500          2,548.99
    STERLING         VA   20165          2            12/17/01         00
    0433532173                           05           02/01/02          0
    1                                    O            01/01/32
    0

    6934380          E33/G01             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.750          3,113.27         77
                                       6.500          3,113.27
    LAKE FOREST      IL   60045          2            12/06/01         00
    0433542081                           05           02/01/02          0
    GATTARI                              O            01/01/32
    0

    6938114          758/G01             F          364,000.00         ZZ
                                         360        364,000.00          1
                                       6.625          2,330.73         75
                                       6.375          2,330.73
    PROSPER          TX   75078          2            12/17/01         00
    0433503885                           03           02/01/02          0
    420234                               O            01/01/32
    0

    6941560          K88/G01             F          459,000.00         ZZ
                                         360        458,614.38          1
                                       6.875          3,015.31         77
                                       6.625          3,015.31
    UPPER FREEHOLD   NJ   08514          1            11/30/01         00
    0433475738                           05           01/01/02          0
    15247                                O            12/01/31
    0

1

    6943796          W93/G01             F          164,000.00         ZZ
                                         360        163,872.06          1
                                       7.250          1,118.77         80
                                       7.000          1,118.77
    AURORA           CO   80013          5            11/30/01         00
    0433507969                           03           01/01/02          0
    30352914                             O            12/01/31
    0

    6943854          W93/G01             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.625          2,177.06         80
                                       6.375          2,177.06
    SAN JOSE         CA   95124          1            11/29/01         00
    0433507779                           05           02/01/02          0
    20345767                             O            01/01/32
    0

    6944052          W93/G01             F          320,525.00         ZZ
                                         360        320,255.72          1
                                       6.875          2,105.62         90
                                       6.625          2,105.62
    DENVER           CO   80209          2            11/30/01         10
    0433507753                           05           01/01/02         30
    77352217                             O            12/01/31
    0

    6944136          L20/G01             F          380,826.00         ZZ
                                         360        380,513.84          1
                                       7.000          2,533.64         90
                                       6.750          2,533.64
    PARK CITY        UT   84098          1            12/05/01         10
    0433496106                           05           01/01/02         25
    233124                               O            12/01/31
    0

    6944172          W93/G01             F          350,000.00         ZZ
                                         360        349,691.20          1
                                       6.625          2,241.09         67
                                       6.375          2,241.09
    SAN JOSE         CA   95054          5            11/29/01         00
    0433508165                           05           01/01/02          0
    21355864                             O            12/01/31
    0

    6944254          822/G01             F          400,000.00         ZZ
                                         360        399,342.33          1
                                       7.000          2,661.21         80
                                       6.750          2,661.21
1

    WAYNE            PA   19087          1            10/30/01         00
    0433478971                           03           12/01/01          0
    3626076806                           O            11/01/31
    0

    6946460          W93/G01             F          352,500.00         ZZ
                                         360        352,211.06          1
                                       7.000          2,345.19         75
                                       6.750          2,345.19
    SAN FRANCISCO    CA   94110          5            11/20/01         00
    0433507902                           05           01/01/02          0
    21355547                             O            12/01/31
    0

    6946552          W93/G01             F          650,000.00         ZZ
                                         360        649,426.52          1
                                       6.625          4,162.02         52
                                       6.375          4,162.02
    DENVER           CO   80209          5            11/26/01         00
    0433508173                           05           01/01/02          0
    78345683                             O            12/01/31
    0

    6946994          E22/G01             F          579,980.00         ZZ
                                         360        579,980.00          1
                                       6.750          3,761.74         80
                                       6.500          3,761.74
    COTO DE CAZA     CA   92679          1            11/30/01         00
    0413039256                           03           02/01/02          0
    0413039256                           O            01/01/32
    0

    6947008          E22/G01             F          540,000.00         ZZ
                                         360        540,000.00          1
                                       7.000          3,592.63         70
                                       6.750          3,592.63
    DALLAS           TX   75230          5            12/04/01         00
    0413153032                           05           02/01/02          0
    0413153032                           O            01/01/32
    0

    6947034          E22/G01             F          392,000.00         ZZ
                                         360        392,000.00          1
                                       6.875          2,575.16         80
                                       6.625          2,575.16
    ALAMEDA          CA   94501          2            12/05/01         00
    0413225954                           05           02/01/02          0
    0413225954                           O            01/01/32
    0
1

    6947052          E22/G01             F          464,000.00         ZZ
                                         360        464,000.00          1
                                       6.625          2,971.04         80
                                       6.375          2,971.04
    SEATTLE          WA   98105          1            12/03/01         00
    0413252859                           05           02/01/02          0
    0413252859                           O            01/01/32
    0

    6947086          E22/G01             F          355,000.00         ZZ
                                         360        355,000.00          1
                                       6.625          2,273.10         71
                                       6.375          2,273.10
    WALL             NJ   07719          5            12/05/01         00
    0413292418                           05           02/01/02          0
    0413292418                           O            01/01/32
    0

    6947090          E22/G01             F          304,500.00         ZZ
                                         360        304,500.00          1
                                       6.500          1,924.65         70
                                       6.250          1,924.65
    STUART           FL   34997          2            12/07/01         00
    0413297144                           03           02/01/02          0
    0413297144                           O            01/01/32
    0

    6947114          E22/G01             F          864,500.00         ZZ
                                         360        864,500.00          1
                                       6.500          5,464.23         65
                                       6.250          5,464.23
    SANDY            UT   84092          2            12/07/01         00
    0413310335                           05           02/01/02          0
    0413310335                           O            01/01/32
    0

    6947116          E22/G01             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       6.750          2,205.23         80
                                       6.500          2,205.23
    CASTRO VALLEY    CA   94546          2            12/06/01         00
    0413312430                           05           02/01/02          0
    0413312430                           O            01/01/32
    0

    6947142          E22/G01             F          618,000.00         ZZ
                                         360        618,000.00          1
1

                                       6.625          3,957.12         60
                                       6.375          3,957.12
    TEQUESTA         FL   33469          2            12/07/01         00
    0413324450                           03           02/01/02          0
    0413324450                           O            01/01/32
    0

    6947150          E22/G01             F          412,000.00         ZZ
                                         360        412,000.00          1
                                       6.875          2,706.55         80
                                       6.625          2,706.55
    DENVER           CO   80206          2            12/07/01         00
    0413328857                           05           02/01/02          0
    0413328857                           O            01/01/32
    0

    6947160          E22/G01             F          443,000.00         ZZ
                                         360        443,000.00          1
                                       6.750          2,873.29         78
                                       6.500          2,873.29
    BETHESDA         MD   20817          2            12/07/01         00
    0413332206                           05           02/01/02          0
    0413332206                           O            01/01/32
    0

    6947166          E22/G01             F          345,000.00         ZZ
                                         360        345,000.00          1
                                       6.625          2,209.07         76
                                       6.375          2,209.07
    STAMFORD         CT   06905          5            12/07/01         00
    0413334095                           01           02/01/02          0
    0413334095                           O            01/01/32
    0

    6947170          E22/G01             F          589,500.00         ZZ
                                         360        589,500.00          1
                                       6.625          3,774.63         70
                                       6.375          3,774.63
    AUSTIN           TX   78731          2            12/07/01         00
    0413334210                           03           02/01/02          0
    0413334210                           O            01/01/32
    0

    6947188          E22/G01             F          362,200.00         ZZ
                                         360        362,200.00          1
                                       7.125          2,440.21         79
                                       6.875          2,440.21
    SEATTLE          WA   98126          2            12/06/01         00
    0413342080                           05           02/01/02          0
1

    0413342080                           O            01/01/32
    0

    6947208          E22/G01             F          348,000.00         ZZ
                                         360        348,000.00          1
                                       7.000          2,315.25         80
                                       6.750          2,315.25
    THOUSAND OAKS    CA   91362          1            12/07/01         00
    0413348988                           05           02/01/02          0
    0413348988                           O            01/01/32
    0

    6947230          E22/G01             F          359,900.00         ZZ
                                         360        359,900.00          1
                                       6.625          2,304.48         80
                                       6.375          2,304.48
    SAN DIEGO        CA   92124          1            12/04/01         00
    0413363995                           05           02/01/02          0
    0413363995                           O            01/01/32
    0

    6947514          E82/G01             F          375,600.00         ZZ
                                         360        375,600.00          1
                                       7.375          2,594.18         80
                                       7.125          2,594.18
    LAKE BLUFF       IL   60044          2            12/10/01         00
    0400533261                           05           02/01/02          0
    3583390                              O            01/01/32
    0

    6947520          E82/G01             F          343,350.00         ZZ
                                         360        343,350.00          1
                                       7.375          2,371.43         60
                                       7.125          2,371.43
    SAN JOSE         CA   95127          2            12/07/01         00
    0400490090                           05           02/01/02          0
    0400490090                           O            01/01/32
    0

    6947526          E82/G01             F          499,900.00         ZZ
                                         360        499,900.00          1
                                       6.750          3,242.34         67
                                       6.500          3,242.34
    SANTA CRUZ       CA   95065          2            12/07/01         00
    0400542239                           05           02/01/02          0
    0400542239                           O            01/01/32
    0

1

    6947528          E82/G01             F          390,000.00         ZZ
                                         360        390,000.00          1
                                       6.875          2,562.02         65
                                       6.625          2,562.02
    PENNGROVE        CA   94951          2            12/07/01         00
    0400523296                           05           02/01/02          0
    0400523296                           O            01/01/32
    0

    6947530          E82/G01             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       7.250          2,865.14         80
                                       7.000          2,865.14
    BEDFORD          NY   10506          2            12/10/01         00
    0400535225                           05           02/01/02          0
    1976832                              O            01/01/32
    0

    6947534          E82/G01             F          332,500.00         ZZ
                                         360        332,500.00          1
                                       6.750          2,156.59         80
                                       6.500          2,156.59
    YORBA LINDA      CA   92886          2            12/10/01         00
    0400480091                           05           02/01/02          0
    0400480091                           O            01/01/32
    0

    6948408          025/025             F          450,000.00         ZZ
                                         360        447,211.06          1
                                       6.750          2,918.70         57
                                       6.500          2,918.70
    BETHESDA         MD   20817          2            05/11/01         00
    0139042980                           05           07/01/01          0
    0139042980                           O            06/01/31
    0

    6948898          696/G01             F          616,000.00         ZZ
                                         360        615,456.51          1
                                       6.625          3,944.32         80
                                       6.375          3,944.32
    BETHESDA         MD   20814          1            11/26/01         00
    0433485851                           03           01/01/02          0
    31201565                             O            12/01/31
    0

    6948902          696/G01             F          464,000.00         ZZ
                                         360        464,000.00          1
                                       7.000          3,087.00         80
                                       6.750          3,087.00
1

    MCLEAN           VA   22101          2            12/07/01         00
    0433471299                           05           02/01/02          0
    23101117                             O            01/01/32
    0

    6949302          313/G01             F          308,000.00         ZZ
                                         360        307,741.24          1
                                       6.875          2,023.34         80
                                       6.625          2,023.34
    QUEEN CREEK      AZ   85242          2            11/14/01         00
    0433465440                           03           01/01/02          0
    7018617                              O            12/01/31
    0

    6949304          313/G01             F          350,000.00         ZZ
                                         360        349,698.65          1
                                       6.750          2,270.10         47
                                       6.500          2,270.10
    NEWTON           MA   02468          5            11/20/01         00
    0433471448                           05           01/01/02          0
    8434920                              O            12/01/31
    0

    6949306          313/G01             F          632,100.00         ZZ
                                         360        631,555.77          1
                                       6.750          4,099.79         51
                                       6.500          4,099.79
    HAVERFORD        PA   19041          2            11/16/01         00
    0433469848                           05           01/01/02          0
    8437394                              O            12/01/31
    0

    6949308          313/G01             F          330,600.00         ZZ
                                         360        330,329.01          1
                                       7.000          2,199.49         80
                                       6.750          2,199.49
    GLENDALE         CA   91208          2            11/09/01         00
    0433536018                           05           01/01/02          0
    8459224                              O            12/01/31
    0

    6949312          313/G01             F          368,000.00         ZZ
                                         360        367,705.71          1
                                       7.125          2,479.29         39
                                       6.875          2,479.29
    LA JOLLA         CA   92037          2            11/08/01         00
    0433463999                           05           01/01/02          0
    8472987                              O            12/01/31
    0
1

    6949314          313/G01             F          338,000.00         ZZ
                                         360        337,708.98          1
                                       6.750          2,192.27         72
                                       6.500          2,192.27
    LOS ALAMITOS     CA   90720          2            11/21/01         00
    0433482353                           05           01/01/02          0
    8427189                              O            12/01/31
    0

    6949318          313/G01             F          426,000.00         ZZ
                                         360        425,264.38          1
                                       6.750          2,763.03         76
                                       6.500          2,763.03
    SEAL BEACH       CA   90740          1            10/16/01         00
    0433463684                           05           12/01/01          0
    8389231                              O            11/01/31
    0

    6949320          313/G01             F          400,000.00         ZZ
                                         360        399,680.12          1
                                       7.125          2,694.88         19
                                       6.875          2,694.88
    LOS ALTOS        CA   94024          5            11/09/01         00
    0433456662                           05           01/01/02          0
    8353047                              O            12/01/31
    0

    6949326          313/G01             F          337,175.00         ZZ
                                         360        336,884.69          1
                                       6.750          2,186.92         75
                                       6.500          2,186.92
    SAN DIEGO        CA   92121          5            11/19/01         00
    0433459898                           03           01/01/02          0
    8440836                              O            12/01/31
    0

    6949328          313/G01             F          354,000.00         ZZ
                                         360        353,702.60          1
                                       6.875          2,325.53         60
                                       6.625          2,325.53
    MADISON          CT   06443          5            11/23/01         00
    0433468337                           05           01/01/02          0
    8443301                              O            12/01/31
    0

    6949334          313/G01             F          350,000.00         ZZ
                                         360        349,365.47          1
1

                                       6.500          2,212.24         76
                                       6.250          2,212.24
    WOODLAND HILLS   CA   91367          2            10/26/01         00
    0433452992                           05           12/01/01          0
    8433187                              O            11/01/31
    0

    6949340          313/G01             F          800,000.00         ZZ
                                         360        799,311.21          1
                                       6.750          5,188.79         51
                                       6.500          5,188.79
    HIDDEN HILLS AR  CA   91302          2            11/14/01         00
    0433460292                           05           01/01/02          0
    8484321                              O            12/01/31
    0

    6949348          313/G01             F          375,000.00         ZZ
                                         360        374,183.75          1
                                       6.750          2,432.25         29
                                       6.500          2,432.25
    BEVERLY HILLS    CA   90210          2            10/25/01         00
    0433536174                           05           12/01/01          0
    8436610                              O            11/01/31
    0

    6949350          313/G01             F          319,900.00         ZZ
                                         360        319,631.24          1
                                       6.875          2,101.52         68
                                       6.625          2,101.52
    DANA POINT       CA   92629          2            11/16/01         00
    0433477569                           01           01/01/02          0
    8443798                              O            12/01/31
    0

    6949356          313/G01             F          370,000.00         ZZ
                                         360        369,689.15          1
                                       6.875          2,430.64         80
                                       6.625          2,430.64
    PEPPERELL        MA   01463          5            11/19/01         00
    0433483724                           05           01/01/02          0
    8460198                              O            12/01/31
    0

    6949362          313/G01             F          500,000.00         ZZ
                                         360        499,569.50          1
                                       6.750          3,243.00         41
                                       6.500          3,243.00
    ARNOLD           MD   21012          2            11/23/01         00
    0433464849                           05           01/01/02          0
1

    8440802                              O            12/01/31
    0

    6949364          313/G01             F          468,000.00         ZZ
                                         360        467,616.38          1
                                       7.000          3,113.62         90
                                       6.750          3,113.62
    JAMAICA PLAIN    MA   02130          2            11/16/01         11
    0433460144                           01           01/01/02         25
    8454266                              O            12/01/31
    0

    6949368          313/G01             F          307,000.00         ZZ
                                         360        305,958.21          1
                                       6.750          1,991.20         65
                                       6.500          1,991.20
    GLENDALE         CA   91201          2            10/30/01         00
    0433462595                           05           12/01/01          0
    8437089                              O            11/01/31
    0

    6949374          313/G01             F          550,000.00         ZZ
                                         360        549,537.93          1
                                       6.875          3,613.11         61
                                       6.625          3,613.11
    NEWPORT BEACH    CA   92663          5            11/01/01         00
    0433476165                           03           01/01/02          0
    8430233                              O            12/01/31
    0

    6949376          313/G01             F          388,000.00         ZZ
                                         360        387,674.03          1
                                       6.875          2,548.89         52
                                       6.625          2,548.89
    WELLESLEY        MA   02481          2            11/23/01         00
    0433454188                           05           01/01/02          0
    8454522                              O            12/01/31
    0

    6949378          313/G01             F          650,000.00         ZZ
                                         360        649,453.92          1
                                       6.875          4,270.04         56
                                       6.625          4,270.04
    WESTLAKE VILLAG  CA   91361          5            11/14/01         00
    0433460193                           03           01/01/02          0
    8436347                              O            12/01/31
    0

1

    6949382          313/G01             F          545,000.00         ZZ
                                         360        544,530.77          1
                                       6.750          3,534.86         76
                                       6.500          3,534.86
    VALENCIA         CA   91355          2            11/21/01         00
    0433468618                           03           01/01/02          0
    8432379                              O            12/01/31
    0

    6949384          313/G01             F          480,000.00         ZZ
                                         360        479,616.15          1
                                       7.125          3,233.85         79
                                       6.875          3,233.85
    WINCHESTER       MA   01890          2            11/20/01         00
    0433536273                           05           01/01/02          0
    8447492                              O            12/01/31
    0

    6949388          313/G01             F          344,000.00         ZZ
                                         360        343,731.64          1
                                       7.250          2,346.69         80
                                       7.000          2,346.69
    SUDBURY          MA   01776          1            11/27/01         00
    0433468444                           05           01/01/02          0
    8477002                              O            12/01/31
    0

    6949390          313/G01             F          450,000.00         ZZ
                                         360        449,612.55          1
                                       6.750          2,918.70         70
                                       6.500          2,918.70
    MILPITAS         CA   95035          2            11/06/01         00
    0433459831                           05           01/01/02          0
    8439465                              O            12/01/31
    0

    6949392          313/G01             F          367,500.00         ZZ
                                         360        366,865.40          1
                                       6.750          2,383.60         71
                                       6.500          2,383.60
    NEDERLAND        CO   80466          2            10/29/01         00
    0433455102                           05           12/01/01          0
    8400277                              O            11/01/31
    0

    6949394          313/G01             F          355,000.00         ZZ
                                         360        354,386.98          1
                                       6.750          2,302.53         71
                                       6.500          2,302.53
1

    BOCA RATON       FL   33428          2            10/22/01         00
    0433456159                           03           12/01/01          0
    8405524                              O            11/01/31
    0

    6949396          313/G01             F          650,000.00         ZZ
                                         360        649,426.51          1
                                       6.625          4,162.03         40
                                       6.375          4,162.03
    CARY             NC   27513          2            11/06/01         00
    0433536000                           03           01/01/02          0
    8397820                              O            12/01/31
    0

    6949398          313/G01             F          296,800.00         ZZ
                                         360        296,550.65          1
                                       6.875          1,949.77         80
                                       6.625          1,949.77
    HANOVER          MA   02339          2            11/19/01         00
    0433483807                           05           01/01/02          0
    8448003                              O            12/01/31
    0

    6949400          313/G01             F          387,000.00         ZZ
                                         360        386,650.14          1
                                       6.500          2,446.11         78
                                       6.250          2,446.11
    SHARON           MA   02067          2            11/20/01         00
    0433471075                           05           01/01/02          0
    8424673                              O            12/01/31
    0

    6949404          313/G01             F          350,000.00         ZZ
                                         360        349,683.59          1
                                       6.500          2,212.24         48
                                       6.250          2,212.24
    SANTA BARBARA    CA   93111          1            11/13/01         00
    0433482387                           03           01/01/02          0
    8433286                              O            12/01/31
    0

    6949408          313/G01             F          396,000.00         ZZ
                                         360        395,659.05          1
                                       6.750          2,568.45         80
                                       6.500          2,568.45
    BEAVERTON        OR   97007          2            11/08/01         00
    0433460987                           03           01/01/02          0
    8462483                              O            12/01/31
    0
1

    6949414          313/G01             F          348,000.00         ZZ
                                         360        347,685.40          1
                                       6.500          2,199.60         67
                                       6.250          2,199.60
    STUART           FL   34997          2            11/20/01         00
    0433456035                           03           01/01/02          0
    8451858                              O            12/01/31
    0

    6949420          313/G01             F          342,500.00         ZZ
                                         360        342,205.11          1
                                       6.750          2,221.45         73
                                       6.500          2,221.45
    MALVERN          PA   19355          2            11/15/01         00
    0433465572                           03           01/01/02          0
    8427320                              O            12/01/31
    0

    6949422          313/G01             F          311,900.00         ZZ
                                         360        311,361.41          1
                                       6.750          2,022.98         80
                                       6.500          2,022.98
    BALA CYNWYD      PA   19004          1            11/07/01         00
    0433454329                           05           12/01/01          0
    8357998                              O            11/01/31
    0

    6949424          313/G01             F          320,000.00         ZZ
                                         360        319,447.41          1
                                       6.750          2,075.52         69
                                       6.500          2,075.52
    NORTHRIDGE       CA   91325          1            10/23/01         00
    0433471109                           05           12/01/01          0
    8425159                              O            11/01/31
    0

    6949426          313/G01             F          649,000.00         ZZ
                                         360        648,441.22          1
                                       6.750          4,209.41         61
                                       6.500          4,209.41
    NEWBURYPORT      MA   01950          5            11/21/01         00
    0433469582                           05           01/01/02          0
    8401614                              O            12/01/31
    0

    6949428          313/G01             F          391,000.00         ZZ
                                         360        390,324.82          1
1

                                       6.750          2,536.02         34
                                       6.500          2,536.02
    LA JOLA          CA   92037          5            10/22/01         00
    0433536208                           05           12/01/01          0
    8383291                              O            11/01/31
    0

    6949438          313/G01             F          340,000.00         ZZ
                                         360        339,721.30          1
                                       7.000          2,262.03         75
                                       6.750          2,262.03
    BURIEN           WA   98166          5            11/14/01         00
    0433468691                           05           01/01/02          0
    8426918                              O            12/01/31
    0

    6949440          313/G01             F          506,000.00         ZZ
                                         360        505,126.23          1
                                       6.750          3,281.91         60
                                       6.500          3,281.91
    LAKE OSWEGO      OR   97034          5            10/17/01         00
    0433469400                           03           12/01/01          0
    8387177                              O            11/01/31
    0

    6949442          313/G01             F          390,300.00         ZZ
                                         360        389,963.96          1
                                       6.750          2,531.48         75
                                       6.500          2,531.48
    AMERICAN FORK    UT   84003          5            11/16/01         00
    0433468550                           05           01/01/02          0
    8408759                              O            12/01/31
    0

    6949446          313/G01             F          314,000.00         ZZ
                                         360        313,736.20          1
                                       6.875          2,062.76         29
                                       6.625          2,062.76
    VENTURA          CA   93001          2            11/19/01         00
    0433460250                           05           01/01/02          0
    8425670                              O            12/01/31
    0

    6949450          313/G01             F          481,000.00         ZZ
                                         360        480,265.75          1
                                       7.375          3,322.15         70
                                       7.125          3,322.15
    SAINT DAVIDS     PA   19087          2            10/31/01         00
    0433483849                           05           12/01/01          0
1

    8389165                              O            11/01/31
    0

    6949452          313/G01             F          365,000.00         ZZ
                                         360        364,685.74          1
                                       6.750          2,367.39         73
                                       6.500          2,367.39
    ROCKVILLE        MD   20855          2            11/09/01         00
    0433464948                           05           01/01/02          0
    8474801                              O            12/01/31
    0

    6949454          313/G01             F          650,000.00         ZZ
                                         360        648,848.98          1
                                       7.250          4,434.15         41
                                       7.000          4,434.15
    CONCORD          MA   01742          2            10/25/01         00
    0433483872                           05           12/01/01          0
    8395311                              O            11/01/31
    0

    6949456          313/G01             F          600,000.00         ZZ
                                         360        599,013.49          1
                                       7.000          3,991.82         36
                                       6.750          3,991.82
    CARLISLE         MA   01741          2            10/26/01         00
    0433470077                           05           12/01/01          0
    8380420                              O            11/01/31
    0

    6949458          313/G01             F          320,000.00         ZZ
                                         360        319,717.67          1
                                       6.625          2,049.00         80
                                       6.375          2,049.00
    HARRISBURG       PA   17110          1            11/15/01         00
    0433464674                           05           01/01/02          0
    8392565                              O            12/01/31
    0

    6949460          313/G01             F          413,600.00         ZZ
                                         360        412,903.05          1
                                       6.875          2,717.06         70
                                       6.625          2,717.06
    ROCKVILLE        MD   20853          2            10/26/01         00
    0433459856                           03           12/01/01          0
    8425621                              O            11/01/31
    0

1

    6949462          313/G01             F          317,000.00         ZZ
                                         360        316,264.68          1
                                       6.875          2,082.47         57
                                       6.625          2,082.47
    LA CANADA FLINT  CA   91011          5            10/18/01         00
    0433484318                           05           12/01/01          0
    8408973                              O            11/01/31
    0

    6949464          313/G01             F          440,000.00         ZZ
                                         360        439,221.45          1
                                       6.625          2,817.37         60
                                       6.375          2,817.37
    BOCA RATON       FL   33496          5            11/05/01         00
    0433461159                           03           12/01/01          0
    8448136                              O            11/01/31
    0

    6949466          313/G01             F          391,200.00         ZZ
                                         360        390,420.76          1
                                       6.625          2,504.90         80
                                       6.375          2,504.90
    BAINBRIDGE ISLA  WA   98110          2            10/31/01         00
    0433483906                           05           12/01/01          0
    8444507                              O            11/01/31
    0

    6949474          313/G01             F          480,000.00         ZZ
                                         360        479,606.54          1
                                       7.000          3,193.46         77
                                       6.750          3,193.46
    SOUTHBOROUGH     MA   01772          2            11/09/01         00
    0433459948                           05           01/01/02          0
    8392029                              O            12/01/31
    0

    6949476          313/G01             F          335,000.00         ZZ
                                         360        334,718.55          1
                                       6.875          2,200.72         61
                                       6.625          2,200.72
    NAPERVILLE       IL   60540          5            11/05/01         00
    0433476157                           05           01/01/02          0
    8386278                              O            12/01/31
    0

    6949478          313/G01             F          325,000.00         ZZ
                                         360        324,720.18          1
                                       6.750          2,107.95         80
                                       6.500          2,107.95
1

    DES PLAINES      IL   60018          1            11/16/01         00
    0433459609                           05           01/01/02          0
    8378515                              O            12/01/31
    0

    6949480          313/G01             F          427,000.00         ZZ
                                         360        426,632.36          1
                                       6.750          2,769.52         75
                                       6.500          2,769.52
    ALPINE           UT   84004          2            11/16/01         00
    0433462074                           05           01/01/02          0
    8415648                              O            12/01/31
    0

    6949482          313/G01             F          348,500.00         ZZ
                                         360        347,898.19          1
                                       6.750          2,260.37         63
                                       6.500          2,260.37
    LOUISVILLE       CO   80027          2            11/02/01         00
    0433461779                           05           12/01/01          0
    8398844                              O            11/01/31
    0

    6949486          313/G01             F          304,800.00         ZZ
                                         360        304,537.57          1
                                       6.750          1,976.93         80
                                       6.500          1,976.93
    CHESAPEAKE       VA   23322          2            11/09/01         00
    0433465259                           05           01/01/02          0
    8421661                              O            12/01/31
    0

    6949488          313/G01             F          476,000.00         ZZ
                                         360        475,590.17          1
                                       6.750          3,087.33         80
                                       6.500          3,087.33
    TAMPA            FL   33629          2            11/09/01         00
    0433477643                           05           01/01/02          0
    8479347                              O            12/01/31
    0

    6949490          313/G01             F          340,000.00         ZZ
                                         360        339,707.26          1
                                       6.750          2,205.24         67
                                       6.500          2,205.24
    SUTTON           MA   01590          2            11/19/01         00
    0433455607                           05           01/01/02          0
    8451874                              O            12/01/31
    0
1

    6949494          313/G01             F          325,000.00         ZZ
                                         360        324,720.18          1
                                       6.750          2,107.95         74
                                       6.500          2,107.95
    LITITZ           PA   17543          2            11/09/01         00
    0433456357                           05           01/01/02          0
    8443426                              O            12/01/31
    0

    6949500          313/G01             F          474,000.00         ZZ
                                         360        473,571.49          1
                                       6.500          2,996.01         80
                                       6.250          2,996.01
    SOLVANG          CA   93463          1            11/12/01         00
    0433464989                           05           01/01/02          0
    8442063                              O            12/01/31
    0

    6949502          313/G01             F          326,000.00         ZZ
                                         360        325,726.12          1
                                       6.875          2,141.59         51
                                       6.625          2,141.59
    LOS ANGELOS      CA   90039          2            11/15/01         00
    0433460755                           05           01/01/02          0
    8449001                              O            12/01/31
    0

    6949506          313/G01             F          414,400.00         ZZ
                                         360        410,600.67          1
                                       6.750          2,687.80         50
                                       6.500          2,687.80
    VIRGINIA BEACH   VA   23454          2            11/15/01         00
    0433536257                           05           01/01/02          0
    8395568                              O            12/01/31
    0

    6949510          313/G01             F          283,000.00         ZZ
                                         360        282,744.16          1
                                       6.500          1,788.76         69
                                       6.250          1,788.76
    PLACENTIA        CA   92870          2            11/19/01         00
    0433464435                           03           01/01/02          0
    8449043                              O            12/01/31
    0

    6949514          313/G01             F          399,000.00         ZZ
                                         360        398,664.79          2
1

                                       6.875          2,621.15         53
                                       6.625          2,621.15
    CORONA DEL MAR   CA   92625          2            11/19/01         00
    0433464534                           05           01/01/02          0
    8468939                              O            12/01/31
    0

    6949516          313/G01             F          355,000.00         ZZ
                                         360        354,679.07          1
                                       6.500          2,243.85         74
                                       6.250          2,243.85
    MESA             AZ   85213          2            11/19/01         00
    0433453685                           03           01/01/02          0
    8477309                              O            12/01/31
    0

    6949518          313/G01             F          320,000.00         ZZ
                                         360        319,405.66          1
                                       6.375          1,996.38         43
                                       6.125          1,996.38
    WOODLAND HILLS   CA   91364          2            10/29/01         00
    0433461738                           05           12/01/01          0
    8422826                              O            11/01/31
    0

    6949520          313/G01             F          374,000.00         ZZ
                                         360        373,354.17          1
                                       6.750          2,425.76         70
                                       6.500          2,425.76
    PHOENIX          AZ   85044          2            10/19/01         00
    0433462173                           05           12/01/01          0
    8370884                              O            11/01/31
    0

    6949524          313/G01             F          364,000.00         ZZ
                                         360        363,678.84          1
                                       6.625          2,330.74         70
                                       6.375          2,330.74
    ATLANTA          GA   30328          2            11/06/01         00
    0433455953                           05           01/01/02          0
    8435109                              O            12/01/31
    0

    6949532          313/G01             F          525,000.00         ZZ
                                         360        524,547.98          1
                                       6.750          3,405.15         29
                                       6.500          3,405.15
    LAKE FOREST      IL   60045          2            11/14/01         00
    0433469541                           05           01/01/02          0
1

    8418394                              O            12/01/31
    0

    6949534          313/G01             F          545,000.00         ZZ
                                         360        544,058.90          1
                                       6.750          3,534.86         69
                                       6.500          3,534.86
    WESTLAKE VILLAG  CA   91362          2            10/29/01         00
    0433469350                           05           12/01/01          0
    8433054                              O            11/01/31
    0

    6949538          313/G01             F          441,000.00         ZZ
                                         360        440,256.88          1
                                       6.875          2,897.06         72
                                       6.625          2,897.06
    PASADENA         CA   91104          2            10/31/01         00
    0433484029                           05           12/01/01          0
    8417602                              O            11/01/31
    0

    6949544          313/G01             F          508,500.00         ZZ
                                         360        508,062.18          1
                                       6.750          3,298.13         68
                                       6.500          3,298.13
    ARCADIA          CA   91006          2            11/01/01         00
    0433535952                           05           01/01/02          0
    8459349                              O            12/01/31
    0

    6949548          313/G01             F          380,000.00         ZZ
                                         360        379,664.73          1
                                       6.625          2,433.19         80
                                       6.375          2,433.19
    BURLINGTON       MA   01803          1            11/15/01         00
    0433482007                           05           01/01/02          0
    8395485                              O            12/01/31
    0

    6949552          313/G01             F          363,000.00         ZZ
                                         360        362,695.03          1
                                       6.875          2,384.66         77
                                       6.625          2,384.66
    ALBUQUERQUE      NM   87105          2            11/16/01         00
    0433463304                           05           01/01/02          0
    8438475                              O            12/01/31
    0

1

    6949554          313/G01             F          416,000.00         ZZ
                                         360        415,227.35          1
                                       6.375          2,595.30         78
                                       6.125          2,595.30
    MARLBOROUGH      CT   06447          2            10/22/01         00
    0433484094                           05           12/01/01          0
    8383929                              O            11/01/31
    0

    6949556          313/G01             F          348,000.00         ZZ
                                         360        347,707.63          1
                                       6.875          2,286.12         80
                                       6.625          2,286.12
    ACTON            MA   01720          1            11/09/01         00
    0433535937                           05           01/01/02          0
    8460024                              O            12/01/31
    0

    6949558          313/G01             F          456,000.00         ZZ
                                         360        455,152.90          1
                                       6.625          2,919.82         80
                                       6.375          2,919.82
    CENTERVILLE      MA   02632          2            10/31/01         00
    0433484110                           05           12/01/01          0
    8400681                              O            11/01/31
    0

    6949562          313/G01             F          350,000.00         ZZ
                                         360        349,698.65          1
                                       6.750          2,270.10         39
                                       6.500          2,270.10
    WESTERN SPRINGS  IL   60558          2            11/20/01         00
    0433453248                           05           01/01/02          0
    8447377                              O            12/01/31
    0

    6949566          313/G01             F          390,000.00         ZZ
                                         360        389,265.52          1
                                       6.875          2,562.03         42
                                       6.625          2,562.03
    SUDBURY          MA   01776          2            10/25/01         00
    0433462264                           05           12/01/01          0
    8389652                              O            11/01/31
    0

    6949568          313/G01             F          337,000.00         ZZ
                                         360        336,709.85          1
                                       6.750          2,185.78         65
                                       6.500          2,185.78
1

    SUPERIOR         CO   80027          5            11/08/01         00
    0433454667                           03           01/01/02          0
    843691                               O            12/01/31
    0

    6949572          313/G01             F          399,000.00         ZZ
                                         360        398,656.47          1
                                       6.750          2,587.91         75
                                       6.500          2,587.91
    AMESBURY         MA   01913          1            11/20/01         00
    0433536224                           05           01/01/02          0
    8454746                              O            12/01/31
    0

    6949574          313/G01             F          316,000.00         ZZ
                                         360        315,467.52          1
                                       6.875          2,075.90         80
                                       6.625          2,075.90
    DALLAS           TX   75240          1            10/31/01         00
    0433476397                           05           12/01/01          0
    8423501                              O            11/01/31
    0

    6949576          313/G01             F          480,000.00         ZZ
                                         360        479,586.72          1
                                       6.750          3,113.28         70
                                       6.500          3,113.28
    VIRGINIA BEACH   VA   23451          2            11/14/01         00
    0433454261                           05           01/01/02          0
    8389132                              O            12/01/31
    0

    6949580          313/G01             F          507,000.00         ZZ
                                         360        506,563.48          1
                                       6.750          3,288.40         52
                                       6.500          3,288.40
    CHESTNUT HILL    MA   02467          2            11/23/01         00
    0433468246                           05           01/01/02          0
    8451627                              O            12/01/31
    0

    6949582          313/G01             F          353,000.00         ZZ
                                         360        352,696.07          1
                                       6.750          2,289.56         66
                                       6.500          2,289.56
    ELMHURST         IL   60126          2            11/21/01         00
    0433460425                           05           01/01/02          0
    8433443                              O            12/01/31
    0
1

    6949584          313/G01             F          320,000.00         ZZ
                                         360        319,724.48          1
                                       6.750          2,075.52         43
                                       6.500          2,075.52
    MIDDLETON        MA   01949          5            11/19/01         00
    0433470523                           05           01/01/02          0
    8450462                              O            12/01/31
    0

    6949586          313/G01             F          380,000.00         ZZ
                                         360        379,343.80          1
                                       6.750          2,464.68         63
                                       6.500          2,464.68
    HIGHLANDS RANCH  CO   80126          2            11/02/01         00
    0433471265                           05           12/01/01          0
    8447880                              O            11/01/31
    0

    6949588          313/G01             F          467,200.00         ZZ
                                         360        466,817.03          1
                                       7.000          3,108.30         80
                                       6.750          3,108.30
    CAMARILLO        CA   93010          2            11/12/01         00
    0433469087                           03           01/01/02          0
    8474355                              O            12/01/31
    0

    6949592          313/G01             F          367,231.00         ZZ
                                         360        366,899.02          1
                                       6.500          2,321.15         65
                                       6.250          2,321.15
    PLEASANTON       CA   94588          2            11/13/01         00
    0433482379                           05           01/01/02          0
    8427593                              O            12/01/31
    0

    6949596          313/G01             F          822,250.00         ZZ
                                         360        820,931.00          1
                                       7.125          5,539.66         65
                                       6.875          5,539.66
    HUNTINGTON BEAC  CA   92648          1            10/19/01         00
    0433471810                           03           12/01/01          0
    8374092                              O            11/01/31
    0

    6949608          313/G01             F          488,700.00         ZZ
                                         360        487,786.41          1
1

                                       6.875          3,210.41         64
                                       6.625          3,210.41
    RANCHO PALOS VE  CA   90275          2            10/21/01         00
    0433463817                           05           12/01/01          0
    8327876                              O            11/01/31
    0

    6949610          313/G01             F          344,000.00         ZZ
                                         360        343,731.64          1
                                       7.250          2,346.69         80
                                       7.000          2,346.69
    SAN DIEGO        CA   92131          5            10/30/01         00
    0433468386                           03           01/01/02          0
    8362303                              O            12/01/31
    0

    6949614          313/G01             F          419,200.00         ZZ
                                         360        418,503.44          1
                                       7.250          2,859.68         80
                                       7.000          2,859.68
    NORTHRIDGE AREA  CA   91326          1            10/29/01         00
    0433454394                           03           12/01/01          0
    8454696                              O            11/01/31
    0

    6949618          313/G01             F          305,000.00         ZZ
                                         360        304,743.76          1
                                       6.875          2,003.64         78
                                       6.625          2,003.64
    WESTMINSTER      MD   21157          2            11/14/01         00
    0433456183                           05           01/01/02          0
    8400806                              O            12/01/31
    0

    6949620          313/G01             F          409,000.00         ZZ
                                         360        408,664.74          1
                                       7.000          2,721.09         76
                                       6.750          2,721.09
    GAITHERSBURG     MD   20879          2            11/12/01         00
    0433461613                           03           01/01/02          0
    8459612                              O            12/01/31
    0

    6949622          313/G01             F          343,900.00         ZZ
                                         360        343,306.15          1
                                       6.750          2,230.53         76
                                       6.500          2,230.53
    SIMI VALLEY      CA   93063          1            10/22/01         00
    0433484185                           05           12/01/01          0
1

    8429847                              O            11/01/31
    0

    6949624          313/G01             F          436,500.00         ZZ
                                         360        436,133.28          1
                                       6.875          2,867.50         69
                                       6.625          2,867.50
    STUDIO CITY ARE  CA   91604          2            11/01/01         00
    0433453263                           05           01/01/02          0
    8423352                              O            12/01/31
    0

    6949626          313/G01             F          597,000.00         ZZ
                                         360        595,969.09          1
                                       6.750          3,872.13         67
                                       6.500          3,872.13
    CHICAGO          IL   60613          2            10/29/01         00
    0433535895                           05           12/01/01          0
    8442766                              O            11/01/31
    0

    6949634          313/G01             F          453,000.00         ZZ
                                         360        452,217.76          1
                                       6.750          2,938.15         79
                                       6.500          2,938.15
    WESTERN SPRINGS  IL   60558          2            10/22/01         00
    0433464500                           05           12/01/01          0
    8383424                              O            11/01/31
    0

    6949636          313/G01             F          313,500.00         ZZ
                                         360        312,773.21          1
                                       6.875          2,059.48         80
                                       6.625          2,059.48
    WENHAM           MA   01984          5            10/26/01         00
    0433467032                           05           12/01/01          0
    8426280                              O            11/01/31
    0

    6949642          313/G01             F          304,000.00         ZZ
                                         360        303,487.73          1
                                       6.875          1,997.07         80
                                       6.625          1,997.07
    STEVENSON RANCH  CA   91381          1            10/15/01         00
    0433484201                           03           12/01/01          0
    8376584                              O            11/01/31
    0

1

    6949644          313/G01             F          355,000.00         ZZ
                                         360        354,401.80          1
                                       6.875          2,332.10         66
                                       6.625          2,332.10
    WOODBURY         CT   06798          1            11/01/01         00
    0433460508                           05           12/01/01          0
    8417578                              O            11/01/31
    0

    6949646          313/G01             F          386,350.00         ZZ
                                         360        386,048.61          1
                                       7.250          2,635.59         80
                                       7.000          2,635.59
    MANSFIELD        MA   02048          2            11/13/01         00
    0433476306                           05           01/01/02          0
    8456964                              O            12/01/31
    0

    6949648          313/G01             F          524,000.00         ZZ
                                         360        522,934.24          1
                                       6.750          3,398.66         66
                                       6.500          3,398.66
    KELLER           TX   76262          2            10/31/01         00
    0433462215                           03           12/01/01          0
    8427403                              O            11/01/31
    0

    6949650          313/G01             F          521,824.00         ZZ
                                         360        520,922.89          1
                                       6.750          3,384.55         79
                                       6.500          3,384.55
    HEATH            TX   75032          2            10/30/01         00
    0433468535                           05           12/01/01          0
    8447641                              O            11/01/31
    0

    6949656          313/G01             F          346,000.00         ZZ
                                         360        345,402.52          1
                                       6.750          2,244.15         70
                                       6.500          2,244.15
    ROSELLE          IL   60172          5            10/26/01         00
    0433468121                           05           12/01/01          0
    8389249                              O            11/01/31
    0

    6949658          313/G01             F          361,000.00         ZZ
                                         360        360,376.63          1
                                       6.750          2,341.44         64
                                       6.500          2,341.44
1

    ORINDA           CA   94563          2            10/30/01         00
    0433461373                           05           12/01/01          0
    8425704                              O            11/01/31
    0

    6949660          313/G01             F          335,000.00         ZZ
                                         360        334,711.57          1
                                       6.750          2,172.81         76
                                       6.500          2,172.81
    DUNWOODY         GA   30338          2            11/13/01         00
    0433468881                           03           01/01/02          0
    8409716                              O            12/01/31
    0

    6957396          N28/G01             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       7.000          2,395.09         79
                                       6.750          2,395.09
    TUALATIN         OR   97062          2            12/02/01         00
    0433498813                           05           02/01/02          0
    D026745                              O            01/01/32
    0

    6960026          253/253             F          319,250.00         ZZ
                                         360        318,968.33          1
                                       6.625          2,044.20         61
                                       6.375          2,044.20
    DALLAS           TX   75225          2            11/14/01         00
    961103                               05           01/01/02          0
    961103                               O            12/01/31
    0

    6962798          N47/G01             F          399,950.00         ZZ
                                         360        399,950.00          1
                                       7.125          2,694.54         80
                                       6.875          2,694.54
    SAN JOSE         CA   95126          1            12/11/01         00
    0433511219                           05           02/01/02          0
    20311814                             O            01/01/32
    0

    6963570          696/G01             F          445,000.00         ZZ
                                         360        444,607.39          1
                                       6.625          2,849.38         60
                                       6.375          2,849.38
    ROCKVILLE        MD   20850          1            11/30/01         00
    0433478682                           03           01/01/02          0
    30501205                             O            12/01/31
    0
1

    6963574          696/G01             F          445,000.00         ZZ
                                         360        444,597.72          1
                                       6.500          2,812.70         61
                                       6.250          2,812.70
    BETHESDA         MD   20816          2            11/27/01         00
    0433492238                           05           01/01/02          0
    31801196                             O            12/01/31
    0

    6967738          116/116             F          369,750.00         ZZ
                                         360        369,750.00          1
                                       7.250          2,522.35         78
                                       7.000          2,522.35
    HOUSTON          TX   77019          2            12/20/01         00
    091021200                            05           02/01/02          0
    091021200                            O            01/01/32
    0

    6968018          W93/G01             F          368,000.00         ZZ
                                         360        367,667.32          1
                                       6.500          2,326.01         80
                                       6.250          2,326.01
    PLACENTIA        CA   92870          1            11/13/01         00
    0433508140                           03           01/01/02          0
    04295307                             O            12/01/31
    0

    6968590          E22/G01             F          585,000.00         ZZ
                                         360        585,000.00          1
                                       6.625          3,745.82         59
                                       6.375          3,745.82
    SAN MARCOS       CA   92078          2            12/07/01         00
    0413227802                           05           02/01/02          0
    0413227802                           O            01/01/32
    0

    6968640          E22/G01             F          506,050.00         ZZ
                                         360        506,050.00          1
                                       6.625          3,240.29         80
                                       6.375          3,240.29
    MANALAPAN        NJ   07726          2            12/05/01         00
    0413312414                           05           02/01/02          0
    0413312414                           O            01/01/32
    0

    6968656          E22/G01             F          436,500.00         ZZ
                                         360        436,500.00          1
1

                                       6.625          2,794.96         70
                                       6.375          2,794.96
    WOODINVILLE      WA   98072          2            12/06/01         00
    0413329871                           05           02/01/02          0
    0413329871                           O            01/01/32
    0

    6968658          E22/G01             F          348,000.00         ZZ
                                         360        348,000.00          1
                                       6.750          2,257.12         80
                                       6.500          2,257.12
    DUVALL           WA   98019          2            12/07/01         00
    0413332446                           03           02/01/02          0
    0413332446                           O            01/01/32
    0

    6968666          E22/G01             F          580,000.00         ZZ
                                         360        580,000.00          1
                                       6.750          3,761.87         67
                                       6.500          3,761.87
    ANNAPOLIS        MD   21401          5            12/07/01         00
    0413333279                           05           02/01/02          0
    0413333279                           O            01/01/32
    0

    6968668          E22/G01             F          418,000.00         ZZ
                                         360        418,000.00          1
                                       7.000          2,780.96         38
                                       6.750          2,780.96
    LOS ANGELES      CA   90049          2            12/05/01         00
    0413333576                           05           02/01/02          0
    0413333576                           O            01/01/32
    0

    6968682          E22/G01             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.750          2,334.95         50
                                       6.500          2,334.95
    OAKLAND          CA   94611          2            12/06/01         00
    0413342288                           05           02/01/02          0
    0413342288                           O            01/01/32
    0

    6968684          E22/G01             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       6.750          2,179.29         31
                                       6.500          2,179.29
    WALNUT CREEK     CA   94598          2            12/04/01         00
    0413342320                           03           02/01/02          0
1

    0413342320                           O            01/01/32
    0

    6968702          E22/G01             F          631,600.00         ZZ
                                         360        631,600.00          1
                                       6.875          4,149.16         62
                                       6.625          4,149.16
    PIEDMONT         CA   94611          1            12/05/01         00
    0413369836                           05           02/01/02          0
    0413369836                           O            01/01/32
    0

    6968718          E22/G01             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       7.250          2,455.83         77
                                       7.000          2,455.83
    ARCADIA          CA   91006          1            12/10/01         00
    0413378399                           05           02/01/02          0
    0413378399                           O            01/01/32
    0

    6968722          E22/G01             F          348,000.00         ZZ
                                         360        348,000.00          1
                                       7.250          2,373.97         80
                                       7.000          2,373.97
    BAKERSFIELD      CA   93312          2            12/06/01         00
    0413381500                           05           02/01/02          0
    0413381500                           O            01/01/32
    0

    6968754          E22/G01             F          339,000.00         ZZ
                                         360        339,000.00          1
                                       6.750          2,198.75         60
                                       6.500          2,198.75
    OAK PARK         CA   91377          1            12/11/01         00
    0413440900                           05           02/01/02          0
    0413440900                           O            01/01/32
    0

    6968882          E82/G01             F          445,500.00         ZZ
                                         360        445,500.00          1
                                       6.625          2,852.59         66
                                       6.375          2,852.59
    WEST CHESTER     OH   45069          2            12/12/01         00
    0400545679                           05           02/01/02          0
    4346434                              O            01/01/32
    0

1

    6969198          956/G01             F          350,000.00         ZZ
                                         360        349,720.12          1
                                       7.125          2,358.01         73
                                       6.875          2,358.01
    GOLETA           CA   93117          5            11/13/01         00
    0433496916                           05           01/01/02          0
    2911100209                           O            12/01/31
    0

    6969526          313/G01             F          337,500.00         ZZ
                                         360        337,216.42          1
                                       6.875          2,217.17         55
                                       6.625          2,217.17
    RANCHO SANTA MA  CA   92688          2            11/16/01         00
    0433484284                           03           01/01/02          0
    8443830                              O            12/01/31
    0

    6969746          313/G01             F          525,000.00         ZZ
                                         360        524,027.02          1
                                       6.750          3,405.15         64
                                       6.500          3,405.15
    OAK BROOK        IL   60523          2            10/25/01         00
    0433459773                           05           12/01/01          0
    8391849                              O            11/01/31
    0

    6975940          N47/G01             F          460,000.00         ZZ
                                         360        460,000.00          1
                                       6.750          2,983.55         62
                                       6.500          2,983.55
    OAKLAND          CA   94618          2            12/18/01         00
    0433529708                           05           02/01/02          0
    20212054                             O            01/01/32
    0

    6979156          714/G01             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.750          4,215.89         51
                                       6.500          4,215.89
    MEQUON           WI   53092          2            11/29/01         00
    0433496684                           03           02/01/02          0
    0504737                              O            01/01/32
    0

    6979622          313/G01             F          308,000.00         ZZ
                                         360        307,734.81          1
                                       6.750          1,997.69         75
                                       6.500          1,997.69
1

    SANTA CLARITA    CA   91355          2            11/14/01         00
    0433477213                           03           01/01/02          0
    8431314                              O            12/01/31
    0

    6980458          B49/G01             F          439,000.00         ZZ
                                         360        439,000.00          1
                                       6.750          2,847.35         80
                                       6.500          2,847.35
    BROOMFIELD       CO   80020          2            12/20/01         00
    0433518479                           03           02/01/02          0
    000218220117                         O            01/01/32
    0

    6980560          E82/G01             F          299,600.00         ZZ
                                         360        299,600.00          1
                                       6.750          1,943.20         73
                                       6.500          1,943.20
    LORTON           VA   22079          2            12/05/01         00
    0400536371                           03           02/01/02          0
    0400536371                           O            01/01/32
    0

    6980562          E82/G01             F          379,400.00         ZZ
                                         360        379,400.00          1
                                       6.875          2,492.39         80
                                       6.625          2,492.39
    MORRISVILLE      NC   27560          2            12/05/01         00
    0400535829                           03           02/01/02          0
    0400535829                           O            01/01/32
    0

    6980566          E82/G01             F          400,000.00         ZZ
                                         360        399,655.61          1
                                       6.750          2,594.39         80
                                       6.500          2,594.39
    WILLOWBROOK      IL   60521          2            12/04/01         00
    0400550786                           05           01/01/02          0
    0400550786                           O            12/01/31
    0

    6980596          N47/G01             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.875          2,364.94         62
                                       6.625          2,364.94
    SAN DIEGO        CA   92129          5            12/18/01         00
    0433516549                           03           02/01/02          0
    30112542                             O            01/01/32
    0
1

    6981178          S11/G01             F          345,600.00         ZZ
                                         360        345,295.09          1
                                       6.625          2,212.91         80
                                       6.375          2,212.91
    YORBA LINDA      CA   92887          1            11/26/01         00
    0433495082                           03           01/01/02          0
    10206098                             O            12/01/31
    0

    6982860          N47/G01             F          390,000.00         ZZ
                                         360        390,000.00          1
                                       6.750          2,529.53         86
                                       6.500          2,529.53
    SAN DIEGO        CA   92117          2            12/05/01         04
    0433530623                           05           02/01/02         25
    30112348                             O            01/01/32
    0

    6983440          E11/G01             F          291,000.00         ZZ
                                         360        291,000.00          1
                                       6.625          1,863.30         81
                                       6.375          1,863.30
    CHASKA           MN   55318          2            12/20/01         04
    0433515665                           05           02/01/02         12
    0002001038750                        O            01/01/32
    0

    6984352          F25/G01             F          600,000.00         ZZ
                                         360        600,000.00          1
                                       6.500          3,792.41         55
                                       6.250          3,792.41
    NEW ROCHELLE     NY   10804          5            12/21/01         00
    0433494895                           05           02/01/02          0
    0513703                              O            01/01/32
    0

    6988070          W93/G01             F          405,000.00         ZZ
                                         360        404,659.75          1
                                       6.875          2,660.56         78
                                       6.625          2,660.56
    TIGARD           OR   97223          2            11/05/01         00
    0433507936                           03           01/01/02          0
    37343749                             O            12/01/31
    0

    6988934          E82/G01             F          340,000.00         ZZ
                                         360        340,000.00          1
1

                                       6.750          2,205.23         85
                                       6.500          2,205.23
    YORBA LINDA      CA   92886          2            12/13/01         04
    0400518619                           05           02/01/02         12
    0400518619                           O            01/01/32
    0

    6988936          E82/G01             F          413,700.00         ZZ
                                         360        413,700.00          1
                                       6.875          2,717.71         82
                                       6.625          2,717.71
    LIVERMORE        CA   94550          2            12/13/01         04
    0400529772                           05           02/01/02         12
    4087058                              O            01/01/32
    0

    6988944          E82/G01             F          375,000.00         ZZ
                                         360        375,000.00          1
                                       6.500          2,370.26         56
                                       6.250          2,370.26
    PORTLAND         OR   97212          5            12/13/01         00
    0400541777                           05           02/01/02          0
    0400541777                           O            01/01/32
    0

    6988962          E82/G01             F          492,000.00         ZZ
                                         360        492,000.00          1
                                       6.625          3,150.33         61
                                       6.375          3,150.33
    DANVILLE         CA   94506          2            12/13/01         00
    0400531109                           05           02/01/02          0
    0400531109                           O            01/01/32
    0

    6988970          E82/G01             F          346,000.00         ZZ
                                         360        346,000.00          1
                                       6.875          2,272.97         67
                                       6.625          2,272.97
    PLEASANTON       CA   94588          2            12/11/01         00
    0400529657                           09           02/01/02          0
    4463725                              O            01/01/32
    0

    6988972          E82/G01             F          296,000.00         ZZ
                                         360        296,000.00          1
                                       6.750          1,919.85         51
                                       6.500          1,919.85
    SOQUEL           CA   95073          2            12/10/01         00
    0400524401                           05           02/01/02          0
1

    1763922                              O            01/01/32
    0

    6988980          E82/G01             F          289,900.00         ZZ
                                         360        289,900.00          1
                                       6.625          1,856.26         70
                                       6.375          1,856.26
    FOUNTAIN VALLEY  CA   92708          2            12/13/01         00
    0400545083                           05           02/01/02          0
    0400545083                           O            01/01/32
    0

    6989004          E82/G01             F          432,200.00         ZZ
                                         360        432,200.00          1
                                       6.625          2,767.42         67
                                       6.375          2,767.42
    SAN RAMON        CA   94583          2            12/12/01         00
    0400545281                           05           02/01/02          0
    4243642                              O            01/01/32
    0

    6990026          R65/G01             F          370,600.00         ZZ
                                         360        370,600.00          1
                                       6.750          2,403.70         73
                                       6.500          2,403.70
    ARLINGTON        VA   22207          2            12/20/01         00
    0433517042                           05           02/01/02          0
    1                                    O            01/01/32
    0

    6990256          944/G01             F          336,000.00         ZZ
                                         360        335,696.25          1
                                       6.500          2,123.75         56
                                       6.250          2,123.75
    WARREN           NJ   07059          2            11/30/01         00
    0433488160                           05           01/01/02          0
    W01094988                            O            12/01/31
    0

    6990308          E76/G01             F          341,600.00         ZZ
                                         360        341,600.00          1
                                       7.375          2,359.35         80
                                       7.125          2,359.35
    LITTLETON        CO   80126          1            12/20/01         00
    0433523495                           03           02/01/02          0
    10010653                             O            01/01/32
    0

1

    6990440          E22/G01             F          251,960.00         ZZ
                                         360        251,960.00          1
                                       7.250          1,718.81         80
                                       7.000          1,718.81
    ISSAQUAH         WA   98027          1            12/11/01         00
    0413267840                           05           02/01/02          0
    0413267840                           O            01/01/32
    0

    6990450          E22/G01             F          639,000.00         ZZ
                                         360        639,000.00          1
                                       6.875          4,197.78         71
                                       6.625          4,197.78
    KINGSTON         WA   98346          2            12/07/01         00
    0413281148                           05           02/01/02          0
    0413281148                           O            01/01/32
    0

    6990466          E22/G01             F          150,100.00         ZZ
                                         360        150,100.00          1
                                       7.250          1,023.95         88
                                       7.000          1,023.95
    WATERFORD        MI   48327          2            12/10/01         01
    0413296625                           05           02/01/02         25
    0413296625                           O            01/01/32
    0

    6990478          E22/G01             F          390,000.00         ZZ
                                         360        390,000.00          1
                                       6.625          2,497.21         50
                                       6.375          2,497.21
    ADA              MI   49301          2            12/10/01         00
    0413310004                           05           02/01/02          0
    0413310004                           O            01/01/32
    0

    6990488          E22/G01             F          366,200.00         ZZ
                                         360        366,200.00          1
                                       6.625          2,344.82         53
                                       6.375          2,344.82
    BIRMINGHAM       AL   35223          2            12/10/01         00
    0413315243                           05           02/01/02          0
    0413315243                           O            01/01/32
    0

    6990494          E22/G01             F          344,000.00         ZZ
                                         360        344,000.00          1
                                       6.625          2,202.67         80
                                       6.375          2,202.67
1

    SEATTLE          WA   98103          1            12/07/01         00
    0413322801                           05           02/01/02          0
    0413322801                           O            01/01/32
    0

    6990532          E22/G01             F          303,000.00         ZZ
                                         360        303,000.00          1
                                       6.625          1,940.14         60
                                       6.375          1,940.14
    NORWALK          CT   06851          5            12/10/01         00
    0413339659                           05           02/01/02          0
    0413336959                           O            01/01/32
    0

    6990536          E22/G01             F        1,000,000.00         ZZ
                                         360      1,000,000.00          1
                                       6.625          6,403.11         50
                                       6.375          6,403.11
    COLTS NECK       NJ   07722          2            12/10/01         00
    0413337890                           05           02/01/02          0
    0413337890                           O            01/01/32
    0

    6990538          E22/G01             F          440,000.00         ZZ
                                         360        440,000.00          1
                                       6.875          2,890.49         80
                                       6.625          2,890.49
    NORTH POTOMAC    MD   20878          2            12/10/01         00
    0413338450                           05           02/01/02          0
    0413338450                           O            01/01/32
    0

    6990544          E22/G01             F          384,000.00         ZZ
                                         360        384,000.00          1
                                       6.750          2,490.62         80
                                       6.500          2,490.62
    OCEANSIDE        CA   92054          2            12/07/01         00
    0413338807                           05           02/01/02          0
    0413338807                           O            01/01/32
    0

    6990546          E22/G01             F          348,800.00         ZZ
                                         360        348,800.00          1
                                       6.625          2,233.40         60
                                       6.375          2,233.40
    HOUSTON          TX   77024          2            12/10/01         00
    0413339037                           05           02/01/02          0
    0413339037                           O            01/01/32
    0
1

    6990550          E22/G01             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.625          2,305.12         66
                                       6.375          2,305.12
    MIDLAND          GA   31820          5            12/10/01         00
    0413339094                           05           02/01/02          0
    0413339094                           O            01/01/32
    0

    6990562          E22/G01             F          377,000.00         ZZ
                                         360        377,000.00          1
                                       6.500          2,382.90         61
                                       6.250          2,382.90
    COPPER CANYON    TX   76226          2            12/10/01         00
    0413341017                           05           02/01/02          0
    0413341017                           O            01/01/32
    0

    6990564          E22/G01             F          375,000.00         ZZ
                                         360        375,000.00          1
                                       6.750          2,432.24         69
                                       6.500          2,432.24
    ROCKVILLE        MD   20850          5            12/10/01         00
    0413341744                           05           02/01/02          0
    0413341744                           O            01/01/32
    0

    6990590          E22/G01             F          399,000.00         ZZ
                                         360        399,000.00          1
                                       6.500          2,521.95         67
                                       6.250          2,521.95
    SEATTLE          WA   98199          1            11/29/01         00
    0413350125                           05           02/01/02          0
    0413350125                           O            01/01/32
    0

    6990634          E22/G01             F          375,300.00         ZZ
                                         360        375,300.00          1
                                       6.875          2,465.45         60
                                       6.625          2,465.45
    DALLAS           TX   75230          5            12/10/01         00
    0413365917                           05           02/01/02          0
    0413365917                           O            01/01/32
    0

    6990654          E22/G01             F          343,200.00         ZZ
                                         360        343,200.00          1
1

                                       6.875          2,254.58         80
                                       6.625          2,254.58
    FREMONT          CA   94536          1            12/05/01         00
    0413376740                           05           02/01/02          0
    0413376740                           O            01/01/32
    0

    6990838          W93/G01             F          642,400.00         ZZ
                                         360        641,833.22          1
                                       6.625          4,113.36         77
                                       6.375          4,113.36
    BOULDER          CO   80304          2            11/09/01         00
    0433507761                           05           01/01/02          0
    77352238                             O            12/01/31
    0

    6992084          H12/G01             F          999,500.00         ZZ
                                         360        999,500.00          1
                                       6.875          6,566.00         58
                                       6.625          6,566.00
    FT LAUDERDALE    FL   33301          2            12/05/01         00
    0433514387                           05           02/01/02          0
    0800016721701                        O            01/01/32
    0

    6992380          E11/G01             F          307,750.00         ZZ
                                         360        307,750.00          1
                                       6.750          1,996.06         70
                                       6.500          1,996.06
    VADNAIS HEIGHTS  MN   55127          1            12/19/01         00
    0433549599                           05           02/01/02          0
    1                                    O            01/01/32
    0

    6992898          E33/G01             F          447,000.00         ZZ
                                         360        447,000.00          1
                                       6.750          2,899.23         70
                                       6.500          2,899.23
    LAKE FOREST      IL   60045          2            12/10/01         00
    0433500501                           05           02/01/02          0
    GRUEN                                O            01/01/32
    0

    6993000          H12/G01             F          352,000.00         ZZ
                                         360        352,000.00          1
                                       7.000          2,341.86         80
                                       6.750          2,341.86
    OMAHA            NE   68118          2            12/04/01         00
    0433488780                           05           02/01/02          0
1

    0800016724601                        O            01/01/32
    0

    6998716          975/G01             F          352,000.00         ZZ
                                         360        352,000.00          1
                                       6.750          2,283.07         62
                                       6.500          2,283.07
    SAN DIEGO        CA   92128          5            12/01/01         00
    0433516614                           03           02/01/02          0
    2015648                              O            01/01/32
    0

    6999722          367/367             F          290,000.00         ZZ
                                         360        290,000.00          1
                                       6.750          1,880.93         35
                                       6.500          1,880.93
    WASHINGTON       DC   20008          5            12/06/01         00
    99193061                             07           02/01/02          0
    99193061                             O            01/01/32
    0

    7006848          893/G01             F          338,400.00         ZZ
                                         360        338,400.00          1
                                       7.250          2,308.48         80
                                       7.000          2,308.48
    PACIFICA         CA   94044          1            12/19/01         00
    0433538998                           05           02/01/02          0
    H11128021                            O            01/01/32
    0

    7007470          696/G01             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.625          2,561.24         80
                                       6.375          2,561.24
    ARLINGTON        VA   22207          1            12/14/01         00
    0433484078                           05           02/01/02          0
    22301209                             O            01/01/32
    0

    7010924          E22/G01             F          447,000.00         ZZ
                                         360        447,000.00          1
                                       6.500          2,825.34         71
                                       6.250          2,825.34
    REDWOOD CITY     CA   94062          2            12/07/01         00
    0413262775                           05           02/01/02          0
    0413262775                           O            01/01/32
    0

1

    7010926          E22/G01             F          315,000.00         ZZ
                                         360        315,000.00          1
                                       6.750          2,043.08         45
                                       6.500          2,043.08
    NEWCASTLE        CA   95658          5            12/06/01         00
    0413267295                           05           02/01/02          0
    0413267295                           O            01/01/32
    0

    7010928          E22/G01             F          324,000.00         ZZ
                                         360        324,000.00          1
                                       6.875          2,128.45         60
                                       6.625          2,128.45
    CASTRO VALLEY    CA   94552          2            12/11/01         00
    0413269473                           05           02/01/02          0
    0413269473                           O            01/01/32
    0

    7011024          E22/G01             F          434,625.00         ZZ
                                         360        434,625.00          1
                                       7.125          2,928.15         75
                                       6.875          2,928.15
    BELLMORE         NY   11710          5            12/12/01         00
    0413337981                           05           02/01/02          0
    0413337981                           O            01/01/32
    0

    7011026          E22/G01             F          580,000.00         ZZ
                                         360        580,000.00          1
                                       6.500          3,665.99         47
                                       6.250          3,665.99
    LOS ALTOS        CA   94022          5            12/10/01         00
    0413339003                           05           02/01/02          0
    0413339003                           O            01/01/32
    0

    7011030          E22/G01             F          635,000.00         ZZ
                                         360        635,000.00          1
                                       6.625          4,065.97         55
                                       6.375          4,065.97
    BELLEVUE         WA   98006          2            12/05/01         00
    0413340084                           03           02/01/02          0
    0413340084                           O            01/01/32
    0

    7011036          E22/G01             F          397,900.00         ZZ
                                         360        397,900.00          1
                                       6.625          2,547.80         53
                                       6.375          2,547.80
1

    LITTLETON        CO   80127          2            12/12/01         00
    0413341454                           03           02/01/02          0
    0413341454                           O            01/01/32
    0

    7011058          E22/G01             F          180,000.00         ZZ
                                         360        180,000.00          1
                                       6.750          1,167.48         75
                                       6.500          1,167.48
    SEATTLE          WA   98118          2            12/10/01         00
    0413347162                           05           02/01/02          0
    0413347162                           O            01/01/32
    0

    7011062          E22/G01             F          352,750.00         ZZ
                                         360        352,750.00          1
                                       6.875          2,317.32         79
                                       6.625          2,317.32
    SEATTLE          WA   98115          2            12/07/01         00
    0413348715                           05           02/01/02          0
    0413348715                           O            01/01/32
    0

    7011064          E22/G01             F          456,000.00         ZZ
                                         360        456,000.00          1
                                       6.750          2,957.61         80
                                       6.500          2,957.61
    SIMI VALLEY      CA   93063          2            12/12/01         00
    0413349028                           03           02/01/02          0
    0413349028                           O            01/01/32
    0

    7011080          E22/G01             F          377,500.00         ZZ
                                         360        377,500.00          1
                                       6.625          2,417.17         76
                                       6.375          2,417.17
    PALM HARBOR      FL   34685          2            12/11/01         00
    0413353608                           05           02/01/02          0
    0413353608                           O            01/01/32
    0

    7011112          E22/G01             F          395,000.00         ZZ
                                         360        395,000.00          1
                                       6.875          2,594.87         66
                                       6.625          2,594.87
    SANTA CLARA      CA   95051          2            12/03/01         00
    0413367228                           05           02/01/02          0
    0413367228                           O            01/01/32
    0
1

    7011432          E82/G01             F          468,000.00         ZZ
                                         360        468,000.00          1
                                       7.250          3,192.58         80
                                       7.000          3,192.58
    CAVE CREEK       AZ   85331          2            12/14/01         00
    0400507695                           05           02/01/02          0
    3422085                              O            01/01/32
    0

    7011450          E82/G01             F          385,500.00         ZZ
                                         360        385,500.00          1
                                       6.875          2,532.46         65
                                       6.625          2,532.46
    SANTA ANA        CA   92705          2            12/11/01         00
    0400528733                           05           02/01/02          0
    0400528733                           O            01/01/32
    0

    7011454          E82/G01             F          343,500.00         ZZ
                                         360        343,500.00          1
                                       7.000          2,285.31         80
                                       6.750          2,285.31
    BROOKEVILLE      MD   20833          2            12/13/01         00
    0400536488                           03           02/01/02          0
    4305745                              O            01/01/32
    0

    7011462          E82/G01             F          321,500.00         ZZ
                                         360        321,500.00          1
                                       6.875          2,112.03         62
                                       6.625          2,112.03
    PACIFICA         CA   94044          2            12/13/01         00
    0400529665                           05           02/01/02          0
    1942679                              O            01/01/32
    0

    7011472          E82/G01             F          599,000.00         ZZ
                                         360        599,000.00          2
                                       6.875          3,935.00         61
                                       6.625          3,935.00
    WASHINGTON       DC   20003          2            12/14/01         00
    0400518577                           05           02/01/02          0
    5217321                              O            01/01/32
    0

    7011474          E82/G01             F          450,000.00         ZZ
                                         360        450,000.00          1
1

                                       6.625          2,881.40         35
                                       6.375          2,881.40
    TORRANCE         CA   90277          5            12/14/01         00
    0400538799                           03           02/01/02          0
    0400538799                           O            01/01/32
    0

    7011688          R65/G01             F          427,100.00         ZZ
                                         360        427,100.00          1
                                       7.125          2,877.45         71
                                       6.875          2,877.45
    LOVETTSVILLE     VA   20180          2            12/19/01         00
    0433532041                           05           02/01/02          0
    1                                    O            01/01/32
    0

    7015392          A35/G01             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.875          2,102.17         80
                                       6.625          2,102.17
    VERDI            NV   89439          5            12/21/01         00
    0433541729                           05           02/01/02          0
    00658                                O            01/01/32
    0

    7017988          550/550             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.800          2,281.74         43
                                       6.550          2,281.74
    SAN FRANCISCO    CA   94107          5            12/05/01         00
    120553479                            05           02/01/02          0
    120553479                            O            01/01/32
    0

    7027100          956/G01             F          375,000.00         ZZ
                                         360        374,684.96          1
                                       6.875          2,463.48         54
                                       6.625          2,463.48
    PENNGROVE        CA   94951          5            11/12/01         00
    0433527678                           05           01/01/02          0
    811100237                            O            12/01/31
    0

    7034076          W93/G01             F          319,300.00         ZZ
                                         360        319,018.29          1
                                       6.625          2,044.51         75
                                       6.375          2,044.51
    SCOTTSDALE       AZ   85260          2            11/14/01         00
    0433507977                           03           01/01/02          0
1

    35362623                             O            12/01/31
    0

    7035822          994/994             F          354,300.00         ZZ
                                         360        354,002.34          1
                                       6.875          2,327.50         80
                                       6.625          2,327.50
    CEDAR LAKE TOWN  MN   56071          2            11/16/01         00
    81131909                             05           01/01/02          0
    81131909                             O            12/01/31
    0

    7035824          994/994             F          385,000.00         ZZ
                                         360        384,382.41          1
                                       7.125          2,593.82         75
                                       6.875          2,593.82
    HUDSON TOWNSHIP  WI   54016          5            10/09/01         00
    218866212                            05           12/01/01          0
    218866212                            O            11/01/31
    0

    7035826          994/994             F          352,000.00         ZZ
                                         360        351,666.01          1
                                       6.250          2,167.32         80
                                       6.000          2,167.32
    SAN ANTONIO      TX   78231          2            11/19/01         00
    404354185                            05           01/01/02          0
    404354185                            O            12/01/31
    0

    7035828          994/994             F          432,000.00         ZZ
                                         360        431,637.06          1
                                       6.875          2,837.94         80
                                       6.625          2,837.94
    COLLIERVILLE     TN   38017          1            11/21/01         00
    81274358                             05           01/01/02          0
    81274358                             O            12/01/31
    0

    7035830          994/994             F          358,000.00         ZZ
                                         360        357,706.54          1
                                       7.000          2,381.79         76
                                       6.750          2,381.79
    EADS             TN   38028          2            11/13/01         00
    81243402                             05           01/01/02          0
    81243402                             O            12/01/31
    0

1

    7035832          994/994             F          322,400.00         ZZ
                                         360        322,148.49          1
                                       7.250          2,199.34         79
                                       7.000          2,199.34
    UNION CITY       CA   94587          2            11/09/01         00
    218973240                            05           01/01/02          0
    218973240                            O            12/01/31
    0

    7035834          994/994             F          336,000.00         ZZ
                                         360        335,731.30          1
                                       7.125          2,263.70         78
                                       6.875          2,263.70
    DANBURY          CT   06810          1            11/07/01         00
    1000357656                           05           01/01/02          0
    1000357656                           O            12/01/31
    0

    7035836          994/994             F          305,000.00         ZZ
                                         360        304,750.00          1
                                       7.000          2,029.17         71
                                       6.750          2,029.17
    TEMECULA         CA   92592          5            11/15/01         00
    219037409                            05           01/01/02          0
    219037409                            O            12/01/31
    0

    7035838          994/994             F          636,000.00         ZZ
                                         360        634,928.30          1
                                       6.875          4,178.07         58
                                       6.625          4,178.07
    HAVERFORD        PA   19041          2            11/16/01         00
    218933921                            05           01/01/02          0
    218933921                            O            12/01/31
    0

    7035840          994/994             F          310,000.00         ZZ
                                         360        309,514.88          1
                                       7.250          2,114.75         45
                                       7.000          2,114.75
    BIRMINGHAM       MI   48009          5            10/05/01         00
    218879215                            05           12/01/01          0
    218879215                            O            11/01/31
    0

    7035842          994/994             F          375,000.00         ZZ
                                         360        374,577.13          1
                                       6.750          2,432.25         69
                                       6.500          2,432.25
1

    ACTON            MA   01720          5            11/15/01         00
    1000311067                           05           01/01/02          0
    1000311067                           O            12/01/31
    0

    7035844          994/994             F          355,750.00         ZZ
                                         360        355,436.13          1
                                       6.625          2,277.91         78
                                       6.375          2,277.91
    BRANCHBURG TWP   NJ   08876          2            11/09/01         00
    81209996                             05           01/01/02          0
    81209996                             O            12/01/31
    0

    7035846          994/994             F          437,000.00         ZZ
                                         360        436,623.76          1
                                       6.750          2,834.37         80
                                       6.500          2,834.37
    SAN JOSE         CA   95130          2            11/05/01         00
    218933228                            05           01/01/02          0
    218933228                            O            12/01/31
    0

    7035848          994/994             F          498,000.00         ZZ
                                         360        497,581.62          1
                                       6.875          3,271.51         78
                                       6.625          3,271.51
    SPARKS           MD   21152          2            11/01/01         00
    218925430                            05           01/01/02          0
    218925430                            O            12/01/31
    0

    7035850          994/994             F          395,000.00         ZZ
                                         360        394,334.40          1
                                       6.875          2,594.87         72
                                       6.625          2,594.87
    RIVER FOREST     IL   60305          1            10/29/01         00
    218923518                            05           12/01/01          0
    218923518                            O            11/01/31
    0

    7035852          994/994             F          329,500.00         ZZ
                                         360        329,229.91          1
                                       7.000          2,192.17         80
                                       6.750          2,192.17
    MOORPARK         CA   93021          1            11/19/01         00
    219080524                            03           01/01/02          0
    219080524                            O            12/01/31
    0
1

    7035854          994/994             F          464,000.00         ZZ
                                         360        462,880.20          1
                                       7.125          3,126.06         80
                                       6.875          3,126.06
    MAPLEWOOD        NJ   07040          2            10/01/01         00
    1000349079                           05           11/01/01          0
    1000349079                           O            10/01/31
    0

    7035856          994/994             F          400,000.00         ZZ
                                         360        399,034.68          1
                                       7.125          2,694.87         75
                                       6.875          2,694.87
    MARIETA          GA   30062          5            10/01/01         00
    218801573                            05           11/01/01          0
    218801573                            O            10/01/31
    0

    7035860          994/994             F          325,000.00         ZZ
                                         360        324,720.19          1
                                       6.750          2,107.94         51
                                       6.500          2,107.94
    STILLWATER       MN   55082          2            11/02/01         00
    403379103                            05           01/01/02          0
    403379103                            O            12/01/31
    0

    7035862          994/994             F          450,600.00         ZZ
                                         360        449,992.33          1
                                       7.250          3,073.89         69
                                       7.000          3,073.89
    CLARENDON HILLS  IL   60514          5            11/12/01         00
    218819393                            05           01/01/02          0
    218819393                            O            12/01/31
    0

    7035864          994/994             F          445,000.00         ZZ
                                         360        444,626.15          1
                                       6.875          2,923.33         61
                                       6.625          2,923.33
    ROCKVILLE        MD   20850          2            11/23/01         00
    219031592                            03           01/01/02          0
    219031592                            O            12/01/31
    0

    7035866          994/994             F          415,000.00         ZZ
                                         360        414,606.23          1
1

                                       6.250          2,555.23         56
                                       6.000          2,555.23
    ENCINITAS        CA   92024          2            11/15/01         00
    219072851                            05           01/01/02          0
    219072851                            O            12/01/31
    0

    7035870          994/994             F          365,000.00         ZZ
                                         360        364,700.81          1
                                       7.000          2,428.36         60
                                       6.750          2,428.36
    WEST WINDSOR     NJ   08550          5            11/02/01         00
    1000351935                           05           01/01/02          0
    1000351935                           O            12/01/31
    0

    7035872          994/994             F          433,600.00         ZZ
                                         360        433,235.73          1
                                       6.875          2,848.44         80
                                       6.625          2,848.44
    CANTON           OH   44718          2            11/21/01         00
    81211094                             05           01/01/02          0
    81211094                             O            12/01/31
    0

    7035874          994/994             F          284,800.00         ZZ
                                         360        284,308.20          1
                                       6.750          1,847.21         87
                                       6.500          1,847.21
    GREENWOOD        SC   29649          2            10/23/01         00
    40426404                             05           12/01/01         25
    40426404                             O            11/01/31
    0

    7035876          994/994             F          388,000.00         ZZ
                                         360        387,640.63          1
                                       6.375          2,420.62         66
                                       6.125          2,420.62
    BONITA           CA   91902          1            11/06/01         00
    404454674                            03           01/01/02          0
    404454674                            O            12/01/31
    0

    7035880          994/994             F          312,000.00         ZZ
                                         360        311,474.26          1
                                       6.875          2,049.62         80
                                       6.625          2,049.62
    HOUSTON          TX   77069          1            10/12/01         00
    218928137                            03           12/01/01          0
1

    218928137                            O            11/01/31
    0

    7035882          994/994             F          290,000.00         ZZ
                                         360        289,756.37          1
                                       6.875          1,905.09         70
                                       6.625          1,905.09
    SAN DIEGO        CA   92103          1            11/01/01         00
    218919573                            05           01/01/02          0
    218919573                            O            12/01/31
    0

    7035884          994/994             F          385,000.00         ZZ
                                         360        384,351.25          1
                                       6.875          2,529.18         76
                                       6.625          2,529.18
    LARGO            FL   33777          2            10/22/01         00
    218954968                            05           12/01/01          0
    218954968                            O            11/01/31
    0

    7035886          994/994             F          375,700.00         ZZ
                                         360        375,368.53          1
                                       6.625          2,405.65         69
                                       6.375          2,405.65
    LITTLETON        CO   80127          5            11/21/01         00
    81406948                             05           01/01/02          0
    81406948                             O            12/01/31
    0

    7035888          994/994             F          336,500.00         ZZ
                                         360        336,210.28          1
                                       6.750          2,182.53         78
                                       6.500          2,182.53
    POWELL           TN   37849          2            11/09/01         00
    81310649                             05           01/01/02          0
    81310649                             O            12/01/31
    0

    7035892          994/994             F          307,650.00         ZZ
                                         360        307,385.12          1
                                       6.750          1,995.41         80
                                       6.500          1,995.41
    CATAULA          GA   31804          2            11/09/01         00
    81132173                             05           01/01/02          0
    81132173                             O            12/01/31
    0

1

    7035898          994/994             F          320,000.00         ZZ
                                         360        319,717.68          1
                                       6.625          2,048.99         80
                                       6.375          2,048.99
    AUBURN           WA   98001          2            11/19/01         00
    219109489                            03           01/01/02          0
    219109489                            O            12/01/31
    0

    7035900          994/994             F          320,000.00         ZZ
                                         360        319,716.58          1
                                       6.750          2,075.52         80
                                       6.500          2,075.52
    PEWAUKEE         WI   53072          2            11/16/01         00
    404332288                            05           01/01/02          0
    404332288                            O            12/01/31
    0

    7035902          994/994             F          360,000.00         ZZ
                                         360        359,393.37          1
                                       6.875          2,364.95         75
                                       6.625          2,364.95
    FRAMINGHAM       MA   01701          2            10/25/01         00
    1000357653                           05           12/01/01          0
    1000357653                           O            11/01/31
    0

    7035904          994/994             F          393,750.00         ZZ
                                         360        393,427.24          1
                                       7.000          2,619.63         75
                                       6.750          2,619.63
    KATONAH          NY   10536          5            11/13/01         00
    100364937                            05           01/01/02          0
    100364937                            O            12/01/31
    0

    7035916          994/994             F          394,300.00         ZZ
                                         360        393,960.52          1
                                       6.750          2,557.42         50
                                       6.500          2,557.42
    OAKLAND TWP      MI   48363          5            11/12/01         00
    218966368                            05           01/01/02          0
    218966368                            O            12/01/31
    0

    7035920          994/994             F          370,000.00         ZZ
                                         360        369,139.34          1
                                       6.500          2,338.66         65
                                       6.250          2,338.66
1

    MAHWAH           NJ   07430          1            11/07/01         00
    1000279388                           05           01/01/02          0
    1000279388                           O            12/01/31
    0

    7035924          994/994             F          312,000.00         ZZ
                                         360        311,731.37          1
                                       6.750          2,023.63         80
                                       6.500          2,023.63
    SPANAWAY         WA   98387          2            11/20/01         00
    218934507                            05           01/01/02          0
    218934507                            O            12/01/31
    0

    7035936          994/994             F          547,500.00         ZZ
                                         360        546,621.74          1
                                       7.125          3,688.61         74
                                       6.875          3,688.61
    SAN FRANCISCO    CA   94132          2            10/23/01         00
    218950610                            05           12/01/01          0
    218950610                            O            11/01/31
    0

    7035948          994/994             F          527,200.00         ZZ
                                         360        526,734.86          1
                                       6.625          3,375.72         80
                                       6.375          3,375.72
    MOORESVILLE      NC   28117          1            11/14/01         00
    81205110                             05           01/01/02          0
    81205110                             O            12/01/31
    0

    7035952          994/994             F          299,400.00         ZZ
                                         360        298,931.46          1
                                       7.250          2,042.44         94
                                       7.000          2,042.44
    ABERDEEN         NJ   07747          1            10/30/01         14
    81250262                             05           12/01/01         30
    81250262                             O            11/01/31
    0

    7035954          994/994             F          500,000.00         ZZ
                                         360        499,304.27          1
                                       6.875          3,284.64         71
                                       6.625          3,284.64
    KINDRED          ND   58051          2            11/14/01         00
    81137369                             05           01/01/02          0
    81137369                             O            12/01/31
    0
1

    7035956          994/994             F          650,000.00         ZZ
                                         360        648,931.29          1
                                       7.000          4,324.47         70
                                       6.750          4,324.47
    RIVERSIDE        IL   60546          2            11/02/01         00
    404552505                            05           12/01/01          0
    404552505                            O            11/01/31
    0

    7035958          994/994             F          300,000.00         ZZ
                                         360        299,754.09          1
                                       7.000          1,995.91         93
                                       6.750          1,995.91
    BABYLON          NY   11703          1            11/02/01         26
    81196258                             05           01/01/02         30
    81196258                             O            12/01/31
    0

    7036182          Q97/G01             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.875          2,299.25         73
                                       6.625          2,299.25
    ASHBURN          VA   20148          5            11/29/01         00
    0433493780                           09           02/01/02          0
    16100406                             O            01/01/32
    0

    7038130          253/253             F          361,800.00         ZZ
                                         360        361,800.00          1
                                       7.000          2,407.06         66
                                       6.750          2,407.06
    FORT WORTH       TX   76107          2            12/26/01         00
    986490                               05           02/01/02          0
    986490                               O            01/01/32
    0

    7043776          E22/G01             F          470,000.00         ZZ
                                         360        470,000.00          1
                                       7.000          3,126.92         45
                                       6.750          3,126.92
    SANTA MONICA     CA   90405          2            12/05/01         00
    0413313164                           05           02/01/02          0
    0413313164                           O            01/01/32
    0

    7043802          E22/G01             F          345,500.00         ZZ
                                         360        345,500.00          1
1

                                       6.750          2,240.91         39
                                       6.500          2,240.91
    LOS ALTOS        CA   94024          2            12/06/01         00
    0413337775                           05           02/01/02          0
    0413337775                           O            01/01/32
    0

    7043808          E22/G01             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.750          3,242.99         80
                                       6.500          3,242.99
    LOS ANGELES      CA   90027          1            12/12/01         00
    0413341124                           05           02/01/02          0
    0413341124                           O            01/01/32
    0

    7043814          E22/G01             F          416,600.00         ZZ
                                         360        416,600.00          1
                                       6.875          2,736.77         57
                                       6.625          2,736.77
    SEATTLE          WA   98103          5            12/12/01         00
    0413345711                           05           02/01/02          0
    0413345711                           O            01/01/32
    0

    7043824          E22/G01             F          381,500.00         ZZ
                                         360        381,500.00          1
                                       6.500          2,411.34         45
                                       6.250          2,411.34
    BEND             OR   97701          2            12/13/01         00
    0413349713                           05           02/01/02          0
    0413349713                           O            01/01/32
    0

    7043830          E22/G01             F          333,000.00         ZZ
                                         360        333,000.00          1
                                       7.125          2,243.48         75
                                       6.875          2,243.48
    LAKE FOREST      CA   92630          2            12/12/01         00
    0413352568                           03           02/01/02          0
    0413352568                           O            01/01/32
    0

    7043870          E22/G01             F          320,000.00         ZZ
                                         360        320,000.00          1
                                       6.750          2,075.51         57
                                       6.500          2,075.51
    WALNUT CREEK     CA   94596          2            12/07/01         00
    0413373747                           05           02/01/02          0
1

    0413373747                           O            01/01/32
    0

    7043924          E22/G01             F          475,000.00         ZZ
                                         360        475,000.00          1
                                       6.625          3,041.48         74
                                       6.375          3,041.48
    LONDON           KY   40744          2            12/13/01         00
    0413409046                           05           02/01/02          0
    0413409046                           O            01/01/32
    0

    7044268          E82/G01             F          330,000.00         ZZ
                                         360        330,000.00          1
                                       6.875          2,167.87         75
                                       6.625          2,167.87
    WILMETTE         IL   60091          2            12/10/01         00
    0400530788                           05           02/01/02          0
    0400530788                           O            01/01/32
    0

    7044274          E82/G01             F          310,000.00         ZZ
                                         360        310,000.00          1
                                       6.875          2,036.48         73
                                       6.625          2,036.48
    ATLANTA          GA   30342          2            12/14/01         00
    0400513198                           05           02/01/02          0
    0400513198                           O            01/01/32
    0

    7044278          E82/G01             F          370,500.00         ZZ
                                         360        370,500.00          1
                                       7.125          2,496.13         79
                                       6.875          2,496.13
    PLAINVIEW        NY   11803          2            12/14/01         00
    0400529764                           05           02/01/02          0
    0400529764                           O            01/01/32
    0

    7044284          E82/G01             F          235,000.00         ZZ
                                         360        235,000.00          1
                                       6.750          1,524.21         64
                                       6.500          1,524.21
    NOVATO           CA   94949          2            12/06/01         00
    0400528329                           05           02/01/02          0
    1606583                              O            01/01/32
    0

1

    7045878          E11/G01             F          360,500.00         ZZ
                                         360        360,500.00          1
                                       6.500          2,278.61         64
                                       6.250          2,278.61
    ORONO            MN   55391          2            12/27/01         00
    0433538352                           05           02/01/02          0
    0010001038520                        O            01/01/32
    0

    7046036          822/G01             F          340,000.00         ZZ
                                         360        339,707.26          1
                                       6.750          2,205.24         80
                                       6.500          2,205.24
    COOPERSBURG      PA   18036          5            11/23/01         00
    0433515103                           05           01/01/02          0
    0906105838                           O            12/01/31
    0

    7050096          822/G01             F          470,000.00         ZZ
                                         360        469,614.74          1
                                       7.000          3,126.93         80
                                       6.750          3,126.93
    YARDLEY          PA   19067          1            11/30/01         00
    0433509718                           05           01/01/02          0
    3606027362                           O            12/01/31
    0

    7050752          822/G01             F          436,912.00         ZZ
                                         360        436,544.93          1
                                       6.875          2,870.21         80
                                       6.625          2,870.21
    PRINCETON        NJ   08540          1            11/29/01         00
    0433494374                           05           01/01/02          0
    3626080773                           O            12/01/31
    0

    7053264          K88/G01             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.750          1,945.80         74
                                       6.500          1,945.80
    LITTLE SILVER    NJ   07739          2            12/10/01         00
    0433512035                           05           02/01/02          0
    16383                                O            01/01/32
    0

    7054608          S43/G01             F          521,500.00         ZZ
                                         360        521,500.00          1
                                       7.250          3,557.55         70
                                       7.000          3,557.55
1

    ALBUQUERQUE      NM   87122          2            12/28/01         00
    0433538964                           05           02/01/02          0
    011922                               O            01/01/32
    0

    7054618          696/G01             F          431,900.00         ZZ
                                         360        431,900.00          1
                                       7.250          2,946.32         66
                                       7.000          2,946.32
    MCLEAN           VA   22101          2            12/12/01         00
    0433489242                           09           02/01/02          0
    23101115                             O            01/01/32
    0

    7057306          B57/G01             F          399,360.00         ZZ
                                         360        399,360.00          1
                                       7.125          2,690.56         80
                                       6.875          2,690.56
    CALABASAS        CA   91302          1            12/26/01         00
    0433543873                           29           02/01/02          0
    2119327                              O            01/01/32
    0

    7062318          E82/G01             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.875          3,284.64         54
                                       6.625          3,284.64
    MT CRESTED BUTT  CO   81224          2            12/12/01         00
    0400518908                           05           02/01/02          0
    3902962                              O            01/01/32
    0

    7062330          E82/G01             F          316,000.00         T
                                         360        316,000.00          1
                                       6.875          2,075.90         80
                                       6.625          2,075.90
    WATSONVILLE      CA   95076          2            12/17/01         00
    0400534228                           01           02/01/02          0
    3422058                              O            01/01/32
    0

    7062338          E82/G01             F          368,000.00         ZZ
                                         360        368,000.00          1
                                       7.000          2,448.31         80
                                       6.750          2,448.31
    GRANITE BAY      CA   95746          2            12/17/01         00
    0400519542                           03           02/01/02          0
    0400519542                           O            01/01/32
    0
1

    7062358          E82/G01             F          361,000.00         ZZ
                                         360        361,000.00          1
                                       6.625          2,311.52         63
                                       6.375          2,311.52
    PLACITAS         NM   87043          2            12/12/01         00
    0400548228                           03           02/01/02          0
    1780228                              O            01/01/32
    0

    7062364          E82/G01             F          357,000.00         ZZ
                                         360        357,000.00          1
                                       6.625          2,285.91         79
                                       6.375          2,285.91
    CALIFON          NJ   07830          2            12/17/01         00
    0400545885                           05           02/01/02          0
    3014435                              O            01/01/32
    0

    7062366          E82/G01             F          364,250.00         ZZ
                                         360        364,250.00          1
                                       6.625          2,332.33         80
                                       6.375          2,332.33
    WOODBURY         MN   55125          2            12/17/01         00
    0400533907                           05           02/01/02          0
    4132493                              O            01/01/32
    0

    7062386          E82/G01             F          386,500.00         ZZ
                                         360        386,500.00          1
                                       6.625          2,474.80         73
                                       6.375          2,474.80
    OLYMPIA FIELDS   IL   60461          2            12/17/01         00
    0400544060                           05           02/01/02          0
    0400544060                           O            01/01/32
    0

    7062708          E22/G01             F          616,500.00         ZZ
                                         360        616,500.00          1
                                       6.625          3,947.52         45
                                       6.375          3,947.52
    SEATTLE          WA   98125          2            12/13/01         00
    0413225897                           05           02/01/02          0
    0413225897                           O            01/01/32
    0

    7062744          E22/G01             F          577,500.00         ZZ
                                         360        577,500.00          1
1

                                       6.625          3,697.80         75
                                       6.375          3,697.80
    SEATTLE          WA   98105          2            12/06/01         00
    0413310293                           05           02/01/02          0
    0413310293                           O            01/01/32
    0

    7062810          E22/G01             F          310,000.00         ZZ
                                         360        310,000.00          1
                                       7.125          2,088.53         57
                                       6.875          2,088.53
    SPANISH FORK     UT   84660          2            12/12/01         00
    0413362039                           05           02/01/02          0
    0413362039                           O            01/01/32
    0

    7065202          956/G01             F          360,000.00         ZZ
                                         360        359,704.91          1
                                       7.000          2,395.09         53
                                       6.750          2,395.09
    EL CAJON         CA   92020          2            11/16/01         00
    0433531738                           05           01/01/02          0
    1511090128                           O            12/01/31
    0

    7067612          W93/G01             F          620,000.00         ZZ
                                         360        620,000.00          1
                                       6.625          3,969.93         79
                                       6.375          3,969.93
    SCOTTSADALE      AZ   85255          2            12/03/01         00
    0433507910                           03           02/01/02          0
    35349168                             O            01/01/32
    0

    7067800          E22/G01             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.750          3,242.99         62
                                       6.500          3,242.99
    STUDIO CITY      CA   91604          5            12/14/01         00
    0413047069                           05           02/01/02          0
    0413047069                           O            01/01/32
    0

    7067818          E22/G01             F          346,800.00         ZZ
                                         360        346,800.00          1
                                       7.250          2,365.79         80
                                       7.000          2,365.79
    BREA             CA   92821          1            12/10/01         00
    0413225053                           03           02/01/02          0
1

    0413225053                           O            01/01/32
    0

    7067846          E22/G01             F          481,000.00         ZZ
                                         360        481,000.00          1
                                       7.125          3,240.59         69
                                       6.875          3,240.59
    RIDGELAND        MS   39157          2            12/14/01         00
    0413304049                           05           02/01/02          0
    0413304049                           O            01/01/32
    0

    7067854          E22/G01             F          328,500.00         ZZ
                                         360        328,500.00          1
                                       6.875          2,158.01         47
                                       6.625          2,158.01
    NOVATO           CA   94945          2            12/11/01         00
    0413318692                           05           02/01/02          0
    0413318692                           O            01/01/32
    0

    7067858          E22/G01             F          370,000.00         ZZ
                                         360        370,000.00          1
                                       6.875          2,430.64         57
                                       6.625          2,430.64
    PLEASANT HILL    CA   94523          5            12/14/01         00
    0413326133                           05           02/01/02          0
    0413326133                           O            01/01/32
    0

    7067862          E22/G01             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       6.750          2,179.29         80
                                       6.500          2,179.29
    MOORPARK         CA   93021          2            12/13/01         00
    0413329442                           05           02/01/02          0
    0413329442                           O            01/01/32
    0

    7067872          E22/G01             F          340,700.00         ZZ
                                         360        340,700.00          1
                                       7.000          2,266.69         80
                                       6.750          2,266.69
    LOMITA           CA   90717          1            12/10/01         00
    0413339839                           03           02/01/02          0
    0413339839                           O            01/01/32
    0

1

    7067880          E22/G01             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       7.000          2,262.03         62
                                       6.750          2,262.03
    GLENDORA         CA   91741          5            12/10/01         00
    0413345406                           05           02/01/02          0
    0413345406                           O            01/01/32
    0

    7067918          E22/G01             F          267,000.00         ZZ
                                         360        267,000.00          1
                                       7.250          1,821.41         63
                                       7.000          1,821.41
    OAKLAND          CA   94605          5            12/07/01         00
    0413387986                           05           02/01/02          0
    0413387986                           O            01/01/32
    0

    7069784          W93/G01             F          364,000.00         ZZ
                                         360        363,694.20          1
                                       6.875          2,391.22         80
                                       6.625          2,391.22
    SANTA CLARA      CA   95051          1            11/28/01         00
    0433507944                           05           01/01/02          0
    20345948                             O            12/01/31
    0

    7069864          W93/G01             F          271,000.00         ZZ
                                         360        270,755.02          1
                                       6.500          1,712.90         73
                                       6.250          1,712.90
    SANTA ANA        CA   92701          2            11/27/01         00
    0433508181                           05           01/01/02          0
    67359137                             O            12/01/31
    0

    7070552          W93/G01             F          384,000.00         ZZ
                                         360        383,669.38          1
                                       6.750          2,490.62         80
                                       6.500          2,490.62
    SAN JOSE         CA   95119          1            11/01/01         00
    0433507787                           05           01/01/02          0
    20345854                             O            12/01/31
    0

    7078444          696/G01             F          428,800.00         ZZ
                                         360        428,448.51          1
                                       7.000          2,852.82         80
                                       6.750          2,852.82
1

    WASHINGTON       DC   20009          1            11/30/01         00
    0433483898                           05           01/01/02          0
    30101254                             O            12/01/31
    0

    7081510          714/G01             F          399,486.41         ZZ
                                         356        399,141.86          1
                                       6.875          2,633.27         83
                                       6.625          2,633.27
    CEDARBURG        WI   53012          1            10/11/01         10
    0433484383                           05           01/01/02         12
    1000582420002                        O            08/01/31
    0

    7081948          470/G01             F          330,000.00         ZZ
                                         360        330,000.00          1
                                       7.000          2,195.50         75
                                       6.750          2,195.50
    REDDING          CA   96002          5            12/19/01         00
    0433548617                           05           02/01/02          0
    93103735                             O            01/01/32
    0

    7086368          E22/G01             F          404,000.00         ZZ
                                         360        404,000.00          1
                                       7.250          2,755.99         33
                                       7.000          2,755.99
    NEWINGTON        NH   03801          5            12/17/01         00
    0413135872                           05           02/01/02          0
    0413135872                           O            01/01/32
    0

    7086416          E22/G01             F          314,000.00         ZZ
                                         360        314,000.00          1
                                       6.625          2,010.58         75
                                       6.375          2,010.58
    SEATTLE          WA   98116          2            12/14/01         00
    0413293325                           05           02/01/02          0
    0413293325                           O            01/01/32
    0

    7086462          E22/G01             F          338,500.00         ZZ
                                         360        338,500.00          1
                                       6.750          2,195.50         72
                                       6.500          2,195.50
    SAINT PETERSBUR  FL   33707          2            12/17/01         00
    0413340936                           05           02/01/02          0
    0413340936                           O            01/01/32
    0
1

    7086500          E22/G01             F          390,000.00         ZZ
                                         360        390,000.00          1
                                       6.750          2,529.53         29
                                       6.500          2,529.53
    LOS ANGELES      CA   90004          2            12/13/01         00
    0413364712                           05           02/01/02          0
    0413364712                           O            01/01/32
    0

    7086886          313/G01             F          360,000.00         ZZ
                                         360        359,690.04          1
                                       6.750          2,334.96         43
                                       6.500          2,334.96
    WESTON           MA   02493          2            11/13/01         00
    0433496387                           05           01/01/02          0
    8447575                              O            12/01/31
    0

    7093570          T53/G01             F          440,000.00         ZZ
                                         360        440,000.00          1
                                       7.000          2,927.33         80
                                       6.750          2,927.33
    LAGUNA NIGUEL    CA   92677          2            12/07/01         00
    0433525334                           03           02/01/02          0
    05001135                             O            01/01/32
    0

    7095588          116/116             F          365,100.00         ZZ
                                         360        365,100.00          1
                                       6.625          2,337.78         70
                                       6.375          2,337.78
    THE WOODLANDS    TX   77381          2            12/14/01         00
    091021025                            03           02/01/02          0
    091021025                            O            01/01/32
    0

    7100778          696/G01             F          380,800.00         ZZ
                                         360        380,472.14          1
                                       6.750          2,469.86         67
                                       6.500          2,469.86
    CHEVY CHASE      MD   20815          2            11/28/01         00
    0433497344                           05           01/01/02          0
    31101247                             O            12/01/31
    0

    7101198          367/367             F          495,000.00         ZZ
                                         360        495,000.00          1
1

                                       6.500          3,128.74         59
                                       6.250          3,128.74
    BETHESDA         MD   20816          2            12/11/01         00
    0111006745                           05           02/01/02          0
    0111006745                           O            01/01/32
    0

    7105418          E22/G01             F          262,000.00         ZZ
                                         360        262,000.00          1
                                       7.250          1,787.30         74
                                       7.000          1,787.30
    TROY             MI   48098          2            12/21/01         00
    0413244542                           05           02/01/02          0
    0413244542                           O            01/01/32
    0

    7105428          E22/G01             F          371,000.00         ZZ
                                         360        371,000.00          1
                                       6.875          2,437.21         70
                                       6.625          2,437.21
    KENSINGTON       CA   94707          2            12/17/01         00
    0413263583                           05           02/01/02          0
    0413263583                           O            01/01/32
    0

    7105546          E22/G01             F          294,800.00         ZZ
                                         360        294,800.00          1
                                       7.125          1,986.12         80
                                       6.875          1,986.12
    SAN JOSE         CA   95128          1            12/17/01         00
    0413411562                           05           02/01/02          0
    0413411562                           O            01/01/32
    0

    7105878          994/994             F          373,000.00         ZZ
                                         360        372,701.72          1
                                       7.125          2,512.97         68
                                       6.875          2,512.97
    DALY CITY        CA   94015          2            11/12/01         00
    218999153                            05           01/01/02          0
    218999153                            O            12/01/31
    0

    7109134          E82/G01             F          268,300.00         ZZ
                                         360        268,300.00          1
                                       6.875          1,762.54         67
                                       6.625          1,762.54
    HENDERSON        NV   89012          2            12/20/01         00
    0400529640                           03           02/01/02          0
1

    1676460                              O            01/01/32
    0

    7109138          E82/G01             F          374,500.00         ZZ
                                         360        374,500.00          1
                                       6.875          2,460.20         47
                                       6.625          2,460.20
    SAN FRANCISCO    CA   94127          2            12/20/01         00
    0400532727                           05           02/01/02          0
    0400532727                           O            01/01/32
    0

    7109144          E82/G01             F          293,000.00         ZZ
                                         360        293,000.00          1
                                       6.125          1,780.30         62
                                       5.875          1,780.30
    NAPA             CA   94558          2            12/18/01         00
    0400534020                           05           02/01/02          0
    3756252                              O            01/01/32
    0

    7109256          E82/G01             F          275,000.00         ZZ
                                         360        275,000.00          1
                                       6.500          1,738.19         57
                                       6.250          1,738.19
    SCARSDALE        NY   10583          5            12/19/01         00
    0400544383                           05           02/01/02          0
    0400544383                           O            01/01/32
    0

    7113094          405/405             F          365,500.00         ZZ
                                         360        364,928.04          1
                                       7.250          2,493.35         88
                                       6.750          2,493.35
    RENO             NV   89509          2            10/10/01         04
    0012441028                           05           12/01/01         25
    0012441028                           O            11/01/31
    0

    7113098          405/405             F          414,000.00         ZZ
                                         360        413,352.13          1
                                       7.250          2,824.21         80
                                       6.750          2,824.21
    COOKSVILLE       MD   21723          1            10/19/01         00
    0012465217                           03           12/01/01          0
    0012465217                           O            11/01/31
    0

1

    7113100          405/405             F          345,000.00         ZZ
                                         360        344,404.26          1
                                       6.750          2,237.66         65
                                       6.250          2,237.66
    CASTRO VALLEY    CA   94552          2            10/19/01         00
    0012470423                           05           12/01/01          0
    0012470423                           O            11/01/31
    0

    7113102          405/405             F          390,000.00         ZZ
                                         360        389,076.55          1
                                       6.750          2,529.53         78
                                       6.250          2,529.53
    SAN RAMON        CA   94583          2            10/24/01         00
    0012476420                           05           12/01/01          0
    0012476420                           O            11/01/31
    0

    7113104          405/405             F          650,000.00         ZZ
                                         360        648,904.71          1
                                       6.875          4,270.04         45
                                       6.375          4,270.04
    PLEASANTON       CA   94566          5            10/02/01         00
    0012535548                           03           12/01/01          0
    0012535548                           O            11/01/31
    0

    7113108          405/405             F          390,000.00         ZZ
                                         360        389,629.95          1
                                       6.250          2,401.30         73
                                       6.000          2,401.30
    UNION CITY       CA   94587          1            11/05/01         00
    0012558789                           05           01/01/02          0
    0012558789                           O            12/01/31
    0

    7113110          405/405             F          365,000.00         ZZ
                                         360        364,369.73          1
                                       6.750          2,367.38         71
                                       6.250          2,367.38
    BOULDER          CO   80301          1            10/26/01         00
    0012561023                           03           12/01/01          0
    0012561023                           O            11/01/31
    0

    7113112          405/405             F          439,000.00         ZZ
                                         360        438,260.25          1
                                       6.875          2,883.92         80
                                       6.375          2,883.92
1

    DILLON           CO   80435          2            10/26/01         00
    0012561049                           03           12/01/01          0
    0012561049                           O            11/01/31
    0

    7113114          405/405             F          451,500.00         ZZ
                                         360        450,757.66          1
                                       7.000          3,003.84         48
                                       6.500          3,003.84
    FOSTER CITY      CA   94404          2            10/16/01         00
    0012561262                           05           12/01/01          0
    0012561262                           O            11/01/31
    0

    7113118          405/405             F          380,000.00         ZZ
                                         360        379,390.44          1
                                       7.125          2,560.13         80
                                       6.625          2,560.13
    NORTHRIDGE       CA   91343          5            10/17/01         00
    0012566782                           05           12/01/01          0
    0012566782                           O            11/01/31
    0

    7113120          405/405             F          628,000.00         ZZ
                                         360        626,915.56          1
                                       6.750          4,073.20         80
                                       6.250          4,073.20
    THE WOODLANDS    TX   77380          1            10/11/01         00
    0012578035                           05           12/01/01          0
    0012578035                           O            11/01/31
    0

    7113122          405/405             F          591,200.00         ZZ
                                         360        590,203.80          1
                                       6.875          3,883.76         80
                                       6.375          3,883.76
    GRANITE BAY      CA   95746          1            10/18/01         00
    0012578365                           03           12/01/01          0
    0012578365                           O            11/01/31
    0

    7113126          405/405             F          571,350.00         ZZ
                                         360        570,387.25          1
                                       6.875          3,753.36         66
                                       6.375          3,753.36
    DENVER           CO   80235          2            10/30/01         00
    0012578753                           05           12/01/01          0
    0012578753                           O            11/01/31
    0
1

    7113128          405/405             F          460,000.00         ZZ
                                         360        459,603.94          1
                                       6.750          2,983.56         42
                                       6.250          2,983.56
    GREAT FALLS      VA   22066          2            11/13/01         00
    0012580148                           03           01/01/02          0
    0012580148                           O            12/01/31
    0

    7113130          405/405             F          491,650.00         ZZ
                                         360        490,821.54          1
                                       6.875          3,229.79         71
                                       6.375          3,229.79
    ANNAPOLIS        MD   21403          2            10/26/01         00
    0012580924                           05           12/01/01          0
    0012580924                           O            11/01/31
    0

    7113132          405/405             F          464,619.00         ZZ
                                         360        463,816.69          1
                                       6.750          3,013.51         73
                                       6.250          3,013.51
    DANVILLE         CA   94506          2            10/18/01         00
    0012581385                           03           12/01/01          0
    0012581385                           O            11/01/31
    0

    7113134          405/405             F          425,000.00         ZZ
                                         360        424,634.09          1
                                       6.750          2,756.54         77
                                       6.250          2,756.54
    WEST LINN        OR   97068          1            11/15/01         00
    0012590527                           03           01/01/02          0
    0012590527                           O            12/01/31
    0

    7113136          405/405             F          350,000.00         ZZ
                                         360        349,410.21          1
                                       6.875          2,299.26         79
                                       6.375          2,299.26
    FLOWER MOUND     TX   75028          2            10/23/01         00
    0012606950                           05           12/01/01          0
    0012606950                           O            11/01/31
    0

    7113140          405/405             F          385,000.00         ZZ
                                         360        384,684.41          1
1

                                       7.000          2,561.42         65
                                       6.500          2,561.42
    WALNUT CREEK     CA   94595          2            11/05/01         00
    0012609798                           05           01/01/02          0
    0012609798                           O            12/01/31
    0

    7113142          405/405             F          330,000.00         ZZ
                                         360        329,715.88          1
                                       6.750          2,140.37         53
                                       6.250          2,140.37
    GOLDEN           CO   80403          2            11/02/01         00
    0012610747                           05           01/01/02          0
    0012610747                           O            12/01/31
    0

    7113144          405/405             F          469,500.00         ZZ
                                         360        469,115.15          1
                                       7.000          3,123.60         77
                                       6.500          3,123.60
    OVERLAND PARK    KS   66223          2            11/08/01         00
    0012615274                           05           01/01/02          0
    0012615274                           O            12/01/31
    0

    7113146          405/405             F          328,000.00         ZZ
                                         360        327,433.59          1
                                       6.750          2,127.41         80
                                       6.250          2,127.41
    LARKSPUR         CO   80118          1            10/29/01         00
    0012616702                           03           12/01/01          0
    0012616702                           O            11/01/31
    0

    7113148          405/405             F          400,000.00         ZZ
                                         360        399,663.95          1
                                       6.875          2,627.72         72
                                       6.375          2,627.72
    KANSAS CITY      MO   64113          5            11/08/01         00
    0012635876                           03           01/01/02          0
    0012635876                           O            12/01/31
    0

    7113150          405/405             F          443,150.00         ZZ
                                         360        442,164.99          1
                                       6.875          2,911.18         80
                                       6.375          2,911.18
    STERLING         VA   20165          1            10/31/01         00
    0012639738                           03           12/01/01          0
1

    0012639738                           O            11/01/31
    0

    7113152          405/405             F          650,000.00         ZZ
                                         360        649,467.20          1
                                       7.000          4,324.47         78
                                       6.500          4,324.47
    AUSTIN           TX   78746          1            11/02/01         00
    0012640033                           03           01/01/02          0
    0012640033                           O            12/01/31
    0

    7113154          405/405             F          400,000.00         ZZ
                                         360        399,663.95          1
                                       6.875          2,627.72         80
                                       6.375          2,627.72
    OAKLAND          CA   94602          2            11/05/01         00
    0012648002                           05           01/01/02          0
    0012648002                           O            12/01/31
    0

    7113156          405/405             F          364,000.00         ZZ
                                         360        363,686.60          1
                                       6.750          2,360.90         80
                                       6.250          2,360.90
    GARDEN RIDGE     TX   78266          2            11/19/01         00
    0012651451                           05           01/01/02          0
    0012651451                           O            12/01/31
    0

    7113158          405/405             F          450,000.00         ZZ
                                         360        449,621.95          1
                                       6.875          2,956.18         67
                                       6.375          2,956.18
    BOULDER          CO   80304          2            11/14/01         00
    0012658233                           05           01/01/02          0
    0012658233                           O            12/01/31
    0

    7113160          405/405             F          520,000.00         ZZ
                                         360        519,123.77          1
                                       6.875          3,416.03         62
                                       6.375          3,416.03
    GROTON           MA   01450          5            10/31/01         00
    0012658373                           05           12/01/01          0
    0012658373                           O            11/01/31
    0

1

    7113162          405/405             F          400,000.00         T
                                         360        399,655.61          1
                                       6.750          2,594.39         80
                                       6.250          2,594.39
    CAMANO ISLAND    WA   98282          2            11/20/01         00
    0012658654                           05           01/01/02          0
    0012658654                           O            12/01/31
    0

    7113164          405/405             F          380,000.00         ZZ
                                         360        379,664.73          1
                                       6.625          2,433.19         80
                                       6.250          2,433.19
    CLAYTON          CA   94517          1            11/16/01         00
    0017709742                           03           01/01/02          0
    0017709742                           O            12/01/31
    0

    7113166          405/405             F          323,000.00         ZZ
                                         360        322,728.64          1
                                       6.875          2,121.88         69
                                       6.375          2,121.88
    DALY CITY        CA   94015          5            11/12/01         00
    0017721200                           05           01/01/02          0
    0017721200                           O            12/01/31
    0

    7113168          405/405             F          405,000.00         ZZ
                                         360        404,668.02          1
                                       7.000          2,694.48         65
                                       6.500          2,694.48
    LAFAYETTE        CA   94549          1            11/16/01         00
    0017742222                           05           01/01/02          0
    0017742222                           O            12/01/31
    0

    7113170          405/405             F          400,000.00         ZZ
                                         360        399,655.60          1
                                       6.750          2,594.40         80
                                       6.250          2,594.40
    SANTA ANA        CA   92705          2            11/05/01         00
    0017743378                           05           01/01/02          0
    0017743378                           O            12/01/31
    0

    7113172          405/405             F          323,000.00         ZZ
                                         360        322,708.00          1
                                       6.500          2,041.58         62
                                       6.250          2,041.58
1

    SAN JOSE         CA   95120          2            11/21/01         00
    0017778390                           05           01/01/02          0
    0017778390                           O            12/01/31
    0

    7113174          405/405             F          434,000.00         ZZ
                                         360        428,598.21          1
                                       6.750          2,814.92         37
                                       6.250          2,814.92
    SARATOGA         CA   95070          2            11/14/01         00
    0017782988                           05           01/01/02          0
    0017782988                           O            12/01/31
    0

    7113176          405/405             F          318,000.00         ZZ
                                         360        317,719.43          1
                                       6.625          2,036.19         41
                                       6.250          2,036.19
    PASADENA         CA   91105          2            11/06/01         00
    0017793423                           05           01/01/02          0
    0017793423                           O            12/01/31
    0

    7113178          405/405             F          341,900.00         ZZ
                                         360        341,605.63          1
                                       6.750          2,217.56         73
                                       6.250          2,217.56
    AVENTURA         FL   33180          1            11/27/01         00
    0017803891                           03           01/01/02          0
    0017803891                           O            12/01/31
    0

    7113180          405/405             F          460,000.00         ZZ
                                         360        459,632.14          1
                                       7.125          3,099.11         68
                                       6.625          3,099.11
    BERKELEY         CA   94707          5            11/13/01         00
    0017832247                           05           01/01/02          0
    0017832247                           O            12/01/31
    0

    7113182          405/405             F          320,000.00         ZZ
                                         360        319,724.48          1
                                       6.750          2,075.52         80
                                       6.250          2,075.52
    REDONDO BEACH    CA   90278          2            11/26/01         00
    0017832585                           01           01/01/02          0
    0017832585                           O            12/01/31
    0
1

    7113184          405/405             F          475,000.00         ZZ
                                         360        474,591.03          1
                                       6.750          3,080.85         58
                                       6.250          3,080.85
    BETHESDA         MD   20814          2            11/21/01         00
    0017832817                           05           01/01/02          0
    0017832817                           O            12/01/31
    0

    7113186          405/405             F          365,000.00         ZZ
                                         360        364,693.36          1
                                       6.875          2,397.79         73
                                       6.375          2,397.79
    OAKLAND          CA   94611          2            11/08/01         00
    0017836206                           05           01/01/02          0
    0017836206                           O            12/01/31
    0

    7113188          405/405             F          650,000.00         ZZ
                                         360        649,440.36          1
                                       6.750          4,215.89         79
                                       6.250          4,215.89
    ALTADENA         CA   91001          1            11/02/01         00
    0017838616                           05           01/01/02          0
    0017838616                           O            12/01/31
    0

    7113190          405/405             F          572,000.00         ZZ
                                         360        571,519.45          1
                                       6.875          3,757.63         80
                                       6.375          3,757.63
    PHOENIX          MD   21131          2            12/04/01         00
    0017845405                           05           01/01/02          0
    0017845405                           O            12/01/31
    0

    7113192          405/405             F          459,000.00         ZZ
                                         360        458,604.81          1
                                       6.750          2,977.07         60
                                       6.250          2,977.07
    SAN MARINO       CA   91108          2            11/05/01         00
    0017847484                           05           01/01/02          0
    0017847484                           O            12/01/31
    0

    7113194          405/405             F          477,000.00         ZZ
                                         360        476,589.31          1
1

                                       6.750          3,093.82         66
                                       6.250          3,093.82
    RALEIGH          NC   27614          2            11/16/01         00
    0017856337                           05           01/01/02          0
    0017856337                           O            12/01/31
    0

    7113196          405/405             F          456,000.00         ZZ
                                         360        455,635.34          1
                                       7.125          3,072.16         39
                                       6.625          3,072.16
    SAN JOSE         CA   95120          5            11/19/01         00
    0017856949                           05           01/01/02          0
    0017856949                           O            12/01/31
    0

    7113198          405/405             F          478,200.00         ZZ
                                         360        477,739.69          1
                                       6.875          3,141.44         80
                                       6.375          3,141.44
    SAN JOSE         CA   95136          2            11/12/01         00
    0017856972                           03           01/01/02          0
    0017856972                           O            12/01/31
    0

    7113200          405/405             F          536,000.00         ZZ
                                         360        532,008.38          1
                                       6.875          3,521.14         80
                                       6.375          3,521.14
    WALNUT CREEK     CA   94596          2            11/01/01         00
    0017857103                           03           01/01/02          0
    0017857103                           O            12/01/31
    0

    7113202          405/405             F          365,000.00         ZZ
                                         360        364,685.74          1
                                       6.750          2,367.39         58
                                       6.250          2,367.39
    TORRANCE         CA   90277          2            11/26/01         00
    0017860891                           05           01/01/02          0
    0017860891                           O            12/01/31
    0

    7113204          405/405             F          368,000.00         ZZ
                                         360        367,690.83          1
                                       6.875          2,417.50         66
                                       6.375          2,417.50
    MILL VALLEY      CA   94941          5            11/16/01         00
    0017861303                           05           01/01/02          0
1

    0017861303                           O            12/01/31
    0

    7113206          405/405             F          303,500.00         ZZ
                                         360        303,018.53          1
                                       6.750          1,968.50         65
                                       6.250          1,968.50
    POOLESVILLE      MD   20837          2            11/21/01         00
    0017865163                           05           01/01/02          0
    0017865163                           O            12/01/31
    0

    7113208          405/405             F          365,000.00         ZZ
                                         360        364,697.70          1
                                       7.000          2,428.36         60
                                       6.500          2,428.36
    HARVARD          MA   01451          5            11/26/01         00
    0017865197                           05           01/01/02          0
    0017865197                           O            12/01/31
    0

    7113210          405/405             F          435,000.00         ZZ
                                         360        434,634.55          1
                                       6.875          2,857.64         65
                                       6.375          2,857.64
    SUNNYVALE        CA   94087          2            11/07/01         00
    0017878125                           05           01/01/02          0
    0017878125                           O            12/01/31
    0

    7113214          405/405             F          400,000.00         T
                                         360        399,672.12          1
                                       7.000          2,661.21         80
                                       6.500          2,661.21
    TRUCKEE          CA   96161          2            11/08/01         00
    0017880956                           03           01/01/02          0
    0017880956                           O            12/01/31
    0

    7113216          405/405             F          330,000.00         ZZ
                                         360        329,701.67          1
                                       6.500          2,085.83         60
                                       6.250          2,085.83
    SIERRA MADRE     CA   91024          5            11/20/01         00
    0017889155                           05           01/01/02          0
    0017889155                           O            12/01/31
    0

1

    7113218          405/405             F          309,000.00         ZZ
                                         360        308,734.69          1
                                       7.125          2,081.80         37
                                       6.625          2,081.80
    LOS ANGELES      CA   90004          2            11/19/01         00
    0017894536                           05           01/01/02          0
    0017894536                           O            12/01/31
    0

    7113220          405/405             F          376,000.00         ZZ
                                         360        375,668.26          1
                                       6.625          2,407.57         80
                                       6.250          2,407.57
    CUPERTINO        CA   95014          1            11/09/01         00
    0017897026                           03           01/01/02          0
    0017897026                           O            12/01/31
    0

    7113222          405/405             F          380,000.00         ZZ
                                         360        379,672.82          1
                                       6.750          2,464.68         59
                                       6.250          2,464.68
    CARLSBAD         CA   92009          2            11/16/01         00
    0017897521                           05           01/01/02          0
    0017897521                           O            12/01/31
    0

    7113224          405/405             F          320,000.00         ZZ
                                         360        319,724.43          1
                                       6.750          2,075.52         75
                                       6.250          2,075.52
    MC MURRAY        PA   15317          5            12/28/01         00
    0017904848                           05           01/01/02          0
    0017904848                           O            12/01/31
    0

    7113226          405/405             F          412,000.00         ZZ
                                         360        411,662.28          1
                                       7.000          2,741.05         80
                                       6.500          2,741.05
    TORRANCE         CA   90505          2            11/15/01         00
    0017906280                           05           01/01/02          0
    0017906280                           O            12/01/31
    0

    7113228          405/405             F          500,000.00         ZZ
                                         360        499,368.75          1
                                       7.125          3,368.60         53
                                       6.625          3,368.60
1

    TUSTIN           CA   92782          2            11/15/01         00
    0017906751                           03           01/01/02          0
    0017906751                           O            12/01/31
    0

    7113230          405/405             F          363,000.00         ZZ
                                         360        362,687.46          1
                                       6.750          2,354.42         68
                                       6.250          2,354.42
    TAMPA            FL   33606          2            12/05/01         00
    0017907270                           05           01/01/02          0
    0017907270                           O            12/01/31
    0

    7113232          405/405             F          455,000.00         ZZ
                                         360        454,598.56          1
                                       6.625          2,913.42         65
                                       6.250          2,913.42
    YARDLEY          PA   19067          2            11/23/01         00
    0017909268                           05           01/01/02          0
    0017909268                           O            12/01/31
    0

    7113234          405/405             F          445,000.00         ZZ
                                         360        444,616.86          1
                                       6.750          2,886.27         60
                                       6.250          2,886.27
    SOUTH PASADENA   CA   91030          1            11/15/01         00
    0017911520                           05           01/01/02          0
    0017911520                           O            12/01/31
    0

    7113236          405/405             F          395,000.00         ZZ
                                         360        394,668.15          1
                                       6.875          2,594.87         80
                                       6.375          2,594.87
    NORTHRIDGE       CA   91325          2            11/15/01         00
    0017911926                           05           01/01/02          0
    0017911926                           O            12/01/31
    0

    7113238          405/405             F          606,000.00         ZZ
                                         360        605,478.24          1
                                       6.750          3,930.51         61
                                       6.250          3,930.51
    WESTLAKE VILLAG  CA   91361          2            11/20/01         00
    0017913161                           03           01/01/02          0
    0017913161                           O            12/01/31
    0
1

    7113240          405/405             F          401,050.00         ZZ
                                         360        400,704.70          1
                                       6.750          2,601.21         77
                                       6.250          2,601.21
    GAITHERSBURG     MD   20874          2            11/19/01         00
    0017914805                           05           01/01/02          0
    0017914805                           O            12/01/31
    0

    7113242          405/405             F          474,400.00         ZZ
                                         360        472,454.86          1
                                       7.000          3,156.20         53
                                       6.500          3,156.20
    MANHATTAN BEACH  CA   90266          5            11/14/01         00
    0017915653                           05           01/01/02          0
    0017915653                           O            12/01/31
    0

    7113244          405/405             F          336,000.00         ZZ
                                         360        335,724.58          1
                                       7.000          2,235.42         56
                                       6.500          2,235.42
    WEST HOLLYWOOD   CA   90069          2            11/26/01         00
    0017915737                           05           01/01/02          0
    0017915737                           O            12/01/31
    0

    7113246          405/405             F          500,000.00         ZZ
                                         360        499,579.93          1
                                       6.875          3,284.65         61
                                       6.375          3,284.65
    MALIBU           CA   90265          2            11/13/01         00
    0017917238                           05           01/01/02          0
    0017917238                           O            12/01/31
    0

    7113248          405/405             F          360,000.00         ZZ
                                         360        359,690.04          1
                                       6.750          2,334.96         79
                                       6.250          2,334.96
    ARLINGTON        VA   22201          5            11/19/01         00
    0017918079                           05           01/01/02          0
    0017918079                           O            12/01/31
    0

    7113250          405/405             F          352,000.00         ZZ
                                         360        351,506.93          1
1

                                       6.750          2,283.07         80
                                       6.250          2,283.07
    LOS ANGELES      CA   91325          5            11/03/01         00
    0017918160                           05           01/01/02          0
    0017918160                           O            12/01/31
    0

    7113252          405/405             F          637,500.00         ZZ
                                         360        636,937.54          1
                                       6.625          4,081.99         79
                                       6.250          4,081.99
    GRANADA HILLS    CA   91344          2            11/15/01         00
    0017918707                           03           01/01/02          0
    0017918707                           O            12/01/31
    0

    7113254          405/405             F          306,800.00         ZZ
                                         360        306,529.31          1
                                       6.625          1,964.48         56
                                       6.250          1,964.48
    SAN JOSE         CA   95125          5            11/14/01         00
    0017918798                           05           01/01/02          0
    0017918798                           O            12/01/31
    0

    7113256          405/405             F          374,000.00         ZZ
                                         360        373,670.02          1
                                       6.625          2,394.77         61
                                       6.250          2,394.77
    SAN RAFAEL       CA   94903          2            11/13/01         00
    0017921396                           05           01/01/02          0
    0017921396                           O            12/01/31
    0

    7113258          405/405             F          340,000.00         ZZ
                                         360        339,714.36          1
                                       6.875          2,233.56         80
                                       6.375          2,233.56
    LOS ANGELES      CA   91304          5            11/13/01         00
    0017922642                           05           01/01/02          0
    0017922642                           O            12/01/31
    0

    7113262          405/405             F          407,000.00         ZZ
                                         360        406,658.07          1
                                       6.875          2,673.70         74
                                       6.375          2,673.70
    HUNTINGTON BEAC  CA   92646          2            11/23/01         00
    0017923426                           05           01/01/02          0
1

    0017923426                           O            12/01/31
    0

    7113264          405/405             F          305,000.00         ZZ
                                         360        304,126.46          1
                                       6.750          1,978.23         61
                                       6.250          1,978.23
    LOS ANGELES      CA   90291          2            11/13/01         00
    0017925751                           05           01/01/02          0
    0017925751                           O            12/01/31
    0

    7113266          405/405             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.750          3,243.00         42
                                       6.250          3,243.00
    LAGUNA BEACH     CA   92651          5            12/05/01         00
    0017927401                           05           02/01/02          0
    0017927401                           O            01/01/32
    0

    7113268          405/405             F          380,000.00         ZZ
                                         360        379,672.82          1
                                       6.750          2,464.68         66
                                       6.250          2,464.68
    SHAWNEE          KS   66226          5            11/30/01         00
    0017929399                           05           01/01/02          0
    0017929399                           O            12/01/31
    0

    7113270          405/405             F          495,200.00         ZZ
                                         360        495,200.00          1
                                       7.375          3,420.23         80
                                       6.875          3,420.23
    NEVADA CITY      CA   95959          1            12/03/01         00
    0017930215                           05           02/01/02          0
    0017930215                           O            01/01/32
    0

    7113272          405/405             F          551,000.00         ZZ
                                         360        550,513.86          1
                                       6.625          3,528.12         32
                                       6.250          3,528.12
    THOUSAND OAKS    CA   91362          2            11/29/01         00
    0017934472                           03           01/01/02          0
    0017934472                           O            12/01/31
    0

1

    7113274          405/405             F          335,000.00         ZZ
                                         360        335,000.00          1
                                       6.750          2,172.81         45
                                       6.250          2,172.81
    RICHMOND         VA   23233          2            12/07/01         00
    0017934969                           03           02/01/02          0
    0017934969                           O            01/01/32
    0

    7113276          405/405             F          440,000.00         ZZ
                                         360        439,630.32          1
                                       6.875          2,890.49         80
                                       6.375          2,890.49
    SANTA CLARITA    CA   91354          2            11/09/01         00
    0017936113                           05           01/01/02          0
    0017936113                           O            12/01/31
    0

    7113278          405/405             F          320,000.00         ZZ
                                         360        319,724.48          1
                                       6.750          2,075.52         53
                                       6.250          2,075.52
    SAN RAFAEL       CA   94901          5            11/27/01         00
    0017936980                           05           01/01/02          0
    0017936980                           O            12/01/31
    0

    7113280          405/405             F          490,000.00         ZZ
                                         360        489,578.11          1
                                       6.750          3,178.14         80
                                       6.250          3,178.14
    SAN CARLOS       CA   94070          2            11/14/01         00
    0017938879                           05           01/01/02          0
    0017938879                           O            12/01/31
    0

    7113282          405/405             F          440,000.00         ZZ
                                         360        439,611.40          1
                                       6.875          2,890.49         80
                                       6.375          2,890.49
    BRADENTON        FL   34202          2            12/03/01         00
    0017938986                           03           01/01/02          0
    0017938986                           O            12/01/31
    0

    7113284          405/405             F          340,000.00         ZZ
                                         360        339,707.26          1
                                       6.750          2,205.24         60
                                       6.250          2,205.24
1

    ROCKVILLE        MD   20850          2            11/26/01         00
    0017939141                           03           01/01/02          0
    0017939141                           O            12/01/31
    0

    7113288          405/405             F          336,000.00         ZZ
                                         360        335,717.72          1
                                       6.875          2,207.28         73
                                       6.375          2,207.28
    PLEASANTON       CA   94566          2            11/26/01         00
    0017942582                           05           01/01/02          0
    0017942582                           O            12/01/31
    0

    7113290          405/405             F          320,000.00         ZZ
                                         360        319,731.15          1
                                       6.875          2,102.18         71
                                       6.375          2,102.18
    LOS ANGELES      CA   91607          2            12/12/01         00
    0017943234                           05           01/01/02          0
    0017943234                           O            12/01/31
    0

    7113292          405/405             F          548,000.00         ZZ
                                         360        547,528.18          1
                                       6.750          3,554.32         76
                                       6.250          3,554.32
    AUSTIN           TX   78730          2            12/05/01         00
    0017943671                           03           01/01/02          0
    0017943671                           O            12/01/31
    0

    7113296          405/405             F          339,600.00         ZZ
                                         360        339,321.63          1
                                       7.000          2,259.37         80
                                       6.500          2,259.37
    LOS ANGELES      CA   91367          1            11/19/01         00
    0017945122                           05           01/01/02          0
    0017945122                           O            12/01/31
    0

    7113300          405/405             F          364,000.00         ZZ
                                         360        363,678.84          1
                                       6.625          2,330.74         80
                                       6.250          2,330.74
    CASTRO VALLEY    CA   94546          2            11/12/01         00
    0017947540                           05           01/01/02          0
    0017947540                           O            12/01/31
    0
1

    7113302          405/405             F          425,000.00         ZZ
                                         360        424,615.79          1
                                       6.500          2,686.29         50
                                       6.250          2,686.29
    LOS ANGELES      CA   90272          2            11/12/01         00
    0017947771                           05           01/01/02          0
    0017947771                           O            12/01/31
    0

    7113304          405/405             F          344,000.00         ZZ
                                         360        344,000.00          1
                                       7.125          2,317.60         80
                                       6.625          2,317.60
    SIMI VALLEY      CA   93063          1            12/06/01         00
    0017947920                           05           02/01/02          0
    0017947920                           O            01/01/32
    0

    7113306          405/405             F          520,000.00         ZZ
                                         360        519,541.21          1
                                       6.625          3,329.62         65
                                       6.250          3,329.62
    GLENDALE         CA   91206          2            11/20/01         00
    0017948068                           05           01/01/02          0
    0017948068                           O            12/01/31
    0

    7113308          405/405             F          305,000.00         ZZ
                                         360        304,743.76          1
                                       6.875          2,003.64         35
                                       6.375          2,003.64
    SAN FRANCISCO    CA   94117          5            11/13/01         00
    0017951278                           05           01/01/02          0
    0017951278                           O            12/01/31
    0

    7113310          405/405             F          372,000.00         ZZ
                                         360        371,687.47          1
                                       6.875          2,443.78         68
                                       6.375          2,443.78
    SAN JOSE         CA   95124          5            11/09/01         00
    0017951666                           05           01/01/02          0
    0017951666                           O            12/01/31
    0

    7113312          405/405             F          463,000.00         ZZ
                                         360        462,601.37          1
1

                                       6.750          3,003.01         75
                                       6.250          3,003.01
    SAN LEANDRO      CA   94577          2            11/14/01         00
    0017952102                           05           01/01/02          0
    0017952102                           O            12/01/31
    0

    7113316          405/405             F          395,000.00         ZZ
                                         360        394,659.91          1
                                       6.750          2,561.97         65
                                       6.250          2,561.97
    YORBA LINDA      CA   92886          2            11/28/01         00
    0017953696                           05           01/01/02          0
    0017953696                           O            12/01/31
    0

    7113320          405/405             F          454,000.00         ZZ
                                         360        452,109.11          1
                                       6.750          2,944.64         62
                                       6.250          2,944.64
    LONG BEACH       CA   90803          2            11/28/01         00
    0017954272                           05           01/01/02          0
    0017954272                           O            12/01/31
    0

    7113322          405/405             F          454,000.00         ZZ
                                         360        453,636.94          1
                                       7.125          3,058.69         64
                                       6.625          3,058.69
    LOS ANGELES      CA   91423          2            11/29/01         00
    0017954306                           05           01/01/02          0
    0017954306                           O            12/01/31
    0

    7113324          405/405             F          421,000.00         ZZ
                                         360        420,596.31          1
                                       6.875          2,765.67         69
                                       6.375          2,765.67
    LOS ANGELES      CA   90027          2            11/30/01         00
    0017954389                           05           01/01/02          0
    0017954389                           O            12/01/31
    0

    7113326          405/405             F          315,000.00         ZZ
                                         360        314,735.36          1
                                       6.875          2,069.33         57
                                       6.375          2,069.33
    REDONDO BEACH    CA   90277          5            11/27/01         00
    0017955246                           05           01/01/02          0
1

    0017955246                           O            12/01/31
    0

    7113328          405/405             F          430,500.00         ZZ
                                         360        430,138.29          1
                                       6.875          2,828.08         75
                                       6.375          2,828.08
    SAN RAFAEL       CA   94901          1            11/14/01         00
    0017957028                           03           01/01/02          0
    0017957028                           O            12/01/31
    0

    7113330          405/405             F          451,000.00         ZZ
                                         360        451,000.00          1
                                       6.875          2,962.75         30
                                       6.375          2,962.75
    MALIBU           CA   90265          2            12/28/01         00
    0017957390                           05           02/01/02          0
    0017957390                           O            01/01/32
    0

    7113332          405/405             F          355,000.00         ZZ
                                         360        354,471.88          1
                                       6.750          2,302.53         76
                                       6.250          2,302.53
    BERKELEY         CA   94707          5            11/19/01         00
    0017958695                           05           01/01/02          0
    0017958695                           O            12/01/31
    0

    7113334          405/405             F          504,000.00         ZZ
                                         360        504,000.00          1
                                       6.750          3,268.94         80
                                       6.250          3,268.94
    BRYN MAWR        PA   19010          1            12/06/01         00
    0017960030                           05           02/01/02          0
    0017960030                           O            01/01/32
    0

    7113336          405/405             F          465,000.00         ZZ
                                         360        464,599.64          1
                                       6.750          3,015.99         49
                                       6.250          3,015.99
    SAN DIEGO        CA   92014          2            11/15/01         00
    0017962853                           05           01/01/02          0
    0017962853                           O            12/01/31
    0

1

    7113338          405/405             F          475,000.00         ZZ
                                         360        474,591.03          1
                                       6.750          3,080.85         34
                                       6.250          3,080.85
    THOUSAND OAKS    CA   91362          2            11/29/01         00
    0017963372                           05           01/01/02          0
    0017963372                           O            12/01/31
    0

    7113340          405/405             F          384,000.00         ZZ
                                         360        383,677.39          1
                                       6.875          2,522.61         41
                                       6.375          2,522.61
    PALO ALTO        CA   94306          2            11/08/01         00
    0017963711                           05           01/01/02          0
    0017963711                           O            12/01/31
    0

    7113342          405/405             F          540,000.00         ZZ
                                         360        539,546.33          1
                                       6.875          3,547.42         60
                                       6.375          3,547.42
    PALOS VERDES ES  CA   90274          2            11/28/01         00
    0017964669                           05           01/01/02          0
    0017964669                           O            12/01/31
    0

    7113344          405/405             F          462,000.00         ZZ
                                         360        458,297.76          1
                                       6.750          2,996.53         64
                                       6.250          2,996.53
    GLENWOOD         MD   21738          2            12/04/01         00
    0017965419                           05           01/01/02          0
    0017965419                           O            12/01/31
    0

    7113346          405/405             F          368,400.00         ZZ
                                         360        368,098.02          1
                                       7.000          2,450.98         63
                                       6.500          2,450.98
    PLEASANT HILL    CA   94523          2            11/26/01         00
    0017968140                           05           01/01/02          0
    0017968140                           O            12/01/31
    0

    7113348          405/405             F          646,000.00         ZZ
                                         360        645,443.80          1
                                       6.750          4,189.95         76
                                       6.250          4,189.95
1

    CALABASAS        CA   91302          2            11/17/01         00
    0017969239                           03           01/01/02          0
    0017969239                           O            12/01/31
    0

    7113352          405/405             F          328,000.00         ZZ
                                         360        327,717.59          1
                                       6.750          2,127.41         80
                                       6.250          2,127.41
    SAN RAMON        CA   94583          1            11/27/01         00
    0017974080                           05           01/01/02          0
    0017974080                           O            12/01/31
    0

    7113356          405/405             F          309,000.00         ZZ
                                         360        308,733.96          1
                                       6.750          2,004.17         78
                                       6.250          2,004.17
    MARION           TX   78124          2            12/03/01         00
    0017979170                           05           01/01/02          0
    0017979170                           O            12/01/31
    0

    7113358          405/405             F          310,500.00         ZZ
                                         360        310,500.00          1
                                       6.750          2,013.90         63
                                       6.250          2,013.90
    POMPANO BEACH    FL   33062          2            11/30/01         00
    0017983644                           05           02/01/02          0
    0017983644                           O            01/01/32
    0

    7113360          405/405             F          342,000.00         ZZ
                                         360        342,000.00          1
                                       6.625          2,189.87         63
                                       6.250          2,189.87
    GLENDALE         CA   91207          2            12/03/01         00
    0017984923                           05           02/01/02          0
    0017984923                           O            01/01/32
    0

    7113362          405/405             F          389,000.00         ZZ
                                         360        389,000.00          1
                                       6.625          2,490.81         75
                                       6.250          2,490.81
    GLENDALE         CA   91202          2            12/05/01         00
    0017984972                           05           02/01/02          0
    0017984972                           O            01/01/32
    0
1

    7113364          405/405             F          390,000.00         ZZ
                                         360        389,593.75          1
                                       6.750          2,529.54         49
                                       6.250          2,529.54
    LAGUNA NIGUEL    CA   92677          2            11/29/01         00
    0017988973                           05           01/01/02          0
    0017988973                           O            12/01/31
    0

    7113366          405/405             F          541,000.00         ZZ
                                         360        541,000.00          1
                                       6.625          3,464.09         32
                                       6.250          3,464.09
    SAN RAFAEL       CA   94901          2            12/03/01         00
    0017989245                           05           02/01/02          0
    0017989245                           O            01/01/32
    0

    7113368          405/405             F          352,000.00         ZZ
                                         360        351,696.93          1
                                       6.750          2,283.07         80
                                       6.250          2,283.07
    ARLINGTON        TX   76016          2            11/21/01         00
    0017989443                           03           01/01/02          0
    0017989443                           O            12/01/31
    0

    7113370          405/405             F          530,000.00         ZZ
                                         360        529,484.87          1
                                       6.125          3,220.34         53
                                       5.875          3,220.34
    ENCINITAS        CA   92024          2            11/29/01         00
    0017991720                           05           01/01/02          0
    0017991720                           O            12/01/31
    0

    7113372          405/405             F          305,500.00         ZZ
                                         360        305,243.34          1
                                       6.875          2,006.92         80
                                       6.375          2,006.92
    CLARKSBURG       MD   20871          2            12/05/01         00
    0017999517                           05           01/01/02          0
    0017999517                           O            12/01/31
    0

    7113374          405/405             F          375,000.00         ZZ
                                         360        374,684.95          1
1

                                       6.875          2,463.49         74
                                       6.375          2,463.49
    CORDOVA          TN   38018          5            12/03/01         00
    0018002733                           05           01/01/02          0
    0018002733                           O            12/01/31
    0

    7113376          405/405             F          368,000.00         ZZ
                                         360        368,000.00          1
                                       6.750          2,386.85         80
                                       6.250          2,386.85
    ALAMEDA          CA   94501          1            12/05/01         00
    0018005413                           05           02/01/02          0
    0018005413                           O            01/01/32
    0

    7113380          405/405             F          360,000.00         ZZ
                                         360        359,587.50          1
                                       6.625          2,305.12         51
                                       6.250          2,305.12
    FOSTER CITY      CA   94404          1            11/19/01         00
    0018006189                           03           01/01/02          0
    0018006189                           O            12/01/31
    0

    7113382          405/405             F          350,000.00         ZZ
                                         360        349,720.11          1
                                       7.125          2,358.02         75
                                       6.625          2,358.02
    SAN FRANCISCO    CA   94116          1            11/26/01         00
    0018012542                           05           01/01/02          0
    0018012542                           O            12/01/31
    0

    7113384          405/405             F          625,000.00         ZZ
                                         360        625,000.00          1
                                       6.875          4,105.81         50
                                       6.375          4,105.81
    STUART           FL   34994          1            12/07/01         00
    0018051946                           03           02/01/02          0
    0018051946                           O            01/01/32
    0

    7113386          405/405             F          330,000.00         ZZ
                                         360        330,000.00          1
                                       6.750          2,140.38         56
                                       6.250          2,140.38
    ARCADIA          CA   91007          1            12/07/01         00
    0018070789                           05           02/01/02          0
1

    0018070789                           O            01/01/32
    0

    7113388          405/405             F          380,000.00         ZZ
                                         360        379,680.75          1
                                       6.875          2,496.33         80
                                       6.375          2,496.33
    SHERMAN OAKS     CA   91423          5            11/05/01         00
    0019898717                           05           01/01/02          0
    0019898717                           O            12/01/31
    0

    7113392          405/405             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.875          2,299.25         48
                                       6.375          2,299.25
    SAN JOSE         CA   95129          1            11/30/01         00
    0019946680                           05           02/01/02          0
    0019946680                           O            01/01/32
    0

    7113396          405/405             F          360,000.00         ZZ
                                         360        359,704.91          1
                                       7.000          2,395.09         71
                                       6.500          2,395.09
    COTO DE CAZA     CA   92679          1            11/16/01         00
    0019953314                           03           01/01/02          0
    0019953314                           O            12/01/31
    0

    7113398          405/405             F          500,000.00         ZZ
                                         360        499,579.93          1
                                       6.875          3,284.65         40
                                       6.375          3,284.65
    NEWPORT BEACH    CA   92663          5            11/02/01         00
    0019953694                           05           01/01/02          0
    0019953694                           O            12/01/31
    0

    7113400          405/405             F          310,000.00         ZZ
                                         360        309,708.33          1
                                       7.000          2,062.44         59
                                       6.500          2,062.44
    REDONDO BEACH    CA   90277          2            11/16/01         00
    0019956663                           05           01/01/02          0
    0019956663                           O            12/01/31
    0

1

    7113406          405/405             F          600,000.00         ZZ
                                         360        599,495.93          1
                                       6.875          3,941.57         73
                                       6.375          3,941.57
    ORANGE           CA   92867          2            11/21/01         00
    0019963826                           05           01/01/02          0
    0019963826                           O            12/01/31
    0

    7113408          405/405             F          351,000.00         ZZ
                                         360        350,697.80          1
                                       6.750          2,276.58         44
                                       6.250          2,276.58
    HUNTINGTON BEAC  CA   92648          2            11/12/01         00
    0019967702                           03           01/01/02          0
    0019967702                           O            12/01/31
    0

    7113410          405/405             F          370,000.00         ZZ
                                         360        369,689.15          1
                                       6.875          2,430.64         32
                                       6.375          2,430.64
    DANA POINT       CA   92629          5            11/26/01         00
    0019967769                           03           01/01/02          0
    0019967769                           O            12/01/31
    0

    7113412          405/405             F          328,500.00         ZZ
                                         360        328,224.02          1
                                       6.875          2,158.01         90
                                       6.375          2,158.01
    GLENDALE         CA   91206          1            11/27/01         11
    0019971167                           01           01/01/02         25
    0019971167                           O            12/01/31
    0

    7113414          405/405             F          345,000.00         ZZ
                                         360        344,710.15          1
                                       6.875          2,266.41         53
                                       6.375          2,266.41
    GLENDALE         CA   91207          5            11/12/01         00
    0019971746                           05           01/01/02          0
    0019971746                           O            12/01/31
    0

    7113416          405/405             F          318,000.00         ZZ
                                         360        318,000.00          1
                                       6.875          2,089.04         65
                                       6.375          2,089.04
1

    ATASCADERO       CA   93422          2            12/01/01         00
    0019974237                           05           02/01/02          0
    0019974237                           O            01/01/32
    0

    7113418          405/405             F          400,000.00         ZZ
                                         360        399,663.95          1
                                       6.875          2,627.72         80
                                       6.375          2,627.72
    SUN VALLEY       CA   91352          1            11/21/01         00
    0019978345                           05           01/01/02          0
    0019978345                           O            12/01/31
    0

    7113420          405/405             F          336,000.00         ZZ
                                         360        335,717.72          1
                                       6.875          2,207.28         80
                                       6.375          2,207.28
    SOUTH SAN FRANC  CA   94080          1            11/12/01         00
    0019982206                           05           01/01/02          0
    0019982206                           O            12/01/31
    0

    7113422          405/405             F          309,000.00         ZZ
                                         360        309,000.00          1
                                       6.875          2,029.91         80
                                       6.375          2,029.91
    OXNARD           CA   93035          1            12/03/01         00
    0019983287                           05           02/01/02          0
    0019983287                           O            01/01/32
    0

    7117586          696/G01             F          320,600.00         ZZ
                                         360        320,600.00          1
                                       6.500          2,026.41         80
                                       6.250          2,026.41
    SOUTH RIDING     VA   20152          1            12/13/01         00
    0433503117                           03           02/01/02          0
    23301171                             O            01/01/32
    0

    7122576          964/G01             F          700,000.00         ZZ
                                         360        699,397.31          1
                                       6.750          4,540.19         63
                                       6.500          4,540.19
    PORTLAND         OR   97210          5            11/28/01         00
    0433497864                           05           01/01/02          0
    166226                               O            12/01/31
    0
1

    7125840          E22/G01             F          393,000.00         ZZ
                                         360        393,000.00          1
                                       7.000          2,614.64         55
                                       6.750          2,614.64
    RANCHO PALOS VE  CA   90275          2            12/14/01         00
    0413361007                           05           02/01/02          0
    0413361007                           O            01/01/32
    0

    7125880          E22/G01             F          399,900.00         ZZ
                                         360        399,900.00          1
                                       6.750          2,593.74         75
                                       6.500          2,593.74
    IRVINE           CA   92606          1            12/20/01         00
    0413407065                           03           02/01/02          0
    0413407065                           O            01/01/32
    0

    7127526          964/G01             F          399,200.00         ZZ
                                         360        398,847.80          1
                                       6.625          2,556.12         60
                                       6.375          2,556.12
    LA SELVA BEACH   CA   95076          5            11/06/01         00
    0433526563                           05           01/01/02          0
    155548                               O            12/01/31
    0

    7127868          W70/W70             F          430,000.00         ZZ
                                         360        430,000.00          1
                                       6.875          2,824.79         68
                                       6.625          2,824.79
    SAINT CHARLES    IL   60174          1            12/14/01         00
    511116124                            05           02/01/02          0
    511116124                            O            01/01/32
    0

    7127872          W70/W70             F          422,000.00         ZZ
                                         360        421,645.48          1
                                       6.875          2,772.23         76
                                       6.625          2,772.23
    SAINT CHARLES    IL   60174          2            11/26/01         00
    0511011664                           05           01/01/02          0
    0511011664                           O            12/01/31
    0

    7127886          W70/W70             F          398,754.00         ZZ
                                         360        398,419.01          1
1

                                       6.875          2,619.52         90
                                       6.625          2,619.52
    PALATINE         IL   60067          1            11/21/01         11
    0510206227                           05           01/01/02         25
    0510206227                           O            12/01/31
    0

    7127896          W70/W70             F          395,000.00         ZZ
                                         360        395,000.00          1
                                       6.875          2,594.86         80
                                       6.625          2,594.86
    DARIEN           IL   60561          1            12/10/01         00
    0511026858                           05           02/01/02          0
    0511026858                           O            01/01/32
    0

    7127898          W70/W70             F          331,000.00         ZZ
                                         360        330,721.92          1
                                       6.875          2,174.43         79
                                       6.625          2,174.43
    NAPERVILLE       IL   60540          2            11/26/01         00
    511008364                            03           01/01/02          0
    511008364                            O            12/01/31
    0

    7127900          W70/W70             F          312,000.00         ZZ
                                         360        311,737.89          1
                                       6.875          2,049.61         80
                                       6.625          2,049.61
    LAKEWOOD         IL   60014          1            11/29/01         00
    510811364                            05           01/01/02          0
    510811364                            O            12/01/31
    0

    7127902          W70/W70             F          507,229.00         ZZ
                                         360        507,229.00          1
                                       6.750          3,289.87         80
                                       6.500          3,289.87
    SAINT CHARLES    IL   60174          1            12/07/01         00
    510604105                            05           02/01/02          0
    510604105                            O            01/01/32
    0

    7127906          W70/W70             F          386,500.00         ZZ
                                         360        386,500.00          1
                                       6.875          2,539.02         72
                                       6.625          2,539.02
    NAPERVILLE       IL   60540          2            12/05/01         00
    511011642                            05           02/01/02          0
1

    511011642                            O            01/01/32
    0

    7127914          W70/W70             F          313,166.00         ZZ
                                         337        312,393.81          1
                                       6.875          2,100.52         66
                                       6.625          2,100.52
    EVANSTON         IL   60201          1            10/31/01         00
    990920501                            05           12/01/01          0
    990920501                            O            12/01/29
    0

    7127916          W70/W70             F          600,000.00         ZZ
                                         360        597,863.50          1
                                       6.375          3,743.21         72
                                       6.125          3,743.21
    WESTERN SPRINGS  IL   60558          1            09/06/01         00
    510331607                            05           11/01/01          0
    510331607                            O            10/01/31
    0

    7127928          W70/W70             F          396,250.00         ZZ
                                         360        395,925.20          1
                                       7.000          2,636.26         95
                                       6.750          2,636.26
    CARY             IL   60013          1            11/16/01         11
    500829664                            05           01/01/02         30
    500829664                            O            12/01/31
    0

    7127930          W70/W70             F          350,231.00         ZZ
                                         360        349,936.77          1
                                       6.875          2,300.76         80
                                       6.625          2,300.76
    PALATINE         IL   60067          1            12/21/01         00
    102261135                            05           01/01/02          0
    102261135                            O            12/01/31
    0

    7127932          W70/W70             F          519,000.00         ZZ
                                         360        519,000.00          1
                                       6.750          3,366.22         80
                                       6.500          3,366.22
    GLEN ELLYN       IL   60137          1            12/13/01         00
    510830110                            05           02/01/02          0
    510830110                            O            01/01/32
    0

1

    7127934          W70/W70             F          334,000.00         ZZ
                                         360        334,000.00          1
                                       6.875          2,194.14         76
                                       6.625          2,194.14
    VERNON HILLS     IL   60061          2            12/06/01         00
    110221428                            05           02/01/02          0
    110221428                            O            01/01/32
    0

    7127938          W70/W70             F          308,250.00         ZZ
                                         360        307,991.04          1
                                       6.875          2,024.98         75
                                       6.625          2,024.98
    NAPERVILLE       IL   60540          5            11/21/01         00
    511017043                            05           01/01/02          0
    511017043                            O            12/01/31
    0

    7127940          W70/W70             F          389,590.00         ZZ
                                         360        389,262.71          1
                                       6.875          2,559.32         90
                                       6.625          2,559.32
    NAPERVILLE       IL   60564          1            11/13/01         11
    510427266                            05           01/01/02         25
    510427266                            O            12/01/31
    0

    7129038          E82/G01             F          225,400.00         ZZ
                                         360        225,400.00          1
                                       6.875          1,480.72         63
                                       6.625          1,480.72
    SAN MARCOS       CA   92069          2            12/20/01         00
    0400527255                           03           02/01/02          0
    1685999                              O            01/01/32
    0

    7136082          E22/G01             F          399,999.00         ZZ
                                         360        399,999.00          1
                                       7.125          2,694.87         75
                                       6.875          2,694.87
    TRACY            CA   95304          2            12/14/01         00
    0413280496                           05           02/01/02          0
    0413280496                           O            01/01/32
    0

    7136126          E22/G01             F          760,000.00         ZZ
                                         360        760,000.00          1
                                       6.625          4,866.36         65
                                       6.375          4,866.36
1

    RANCHO PALOS VE  CA   90275          2            12/20/01         00
    0413342270                           03           02/01/02          0
    0413342270                           O            01/01/32
    0

    7136182          E22/G01             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       7.250          2,046.53         80
                                       7.000          2,046.53
    SAN JOSE         CA   95132          1            12/14/01         00
    0413382912                           05           02/01/02          0
    0413382912                           O            01/01/32
    0

    7136212          E22/G01             F          422,000.00         ZZ
                                         360        422,000.00          1
                                       7.125          2,843.09         50
                                       6.875          2,843.09
    PIEDMONT         CA   94611          2            12/13/01         00
    0413393661                           05           02/01/02          0
    0413393661                           O            01/01/32
    0

    7136248          E22/G01             F          900,000.00         ZZ
                                         360        900,000.00          1
                                       7.125          6,063.47         45
                                       6.875          6,063.47
    LAGUNA BEACH     CA   92651          5            12/18/01         00
    0413407859                           05           02/01/02          0
    0413407859                           O            01/01/32
    0

    7136320          E22/G01             F          323,000.00         ZZ
                                         360        323,000.00          1
                                       7.125          2,176.11         75
                                       6.875          2,176.11
    DANVILLE         CA   94526          5            12/20/01         00
    0413441791                           09           02/01/02          0
    0413441791                           O            01/01/32
    0

    7139448          E22/G01             F          195,000.00         ZZ
                                         360        195,000.00          1
                                       7.375          1,346.82         71
                                       7.125          1,346.82
    HOUSTON          TX   77027          5            12/18/01         00
    0413402538                           05           02/01/02          0
    0413402538                           O            01/01/32
    0
1

    7139928          E82/G01             F          344,000.00         ZZ
                                         360        344,000.00          1
                                       7.000          2,288.64         79
                                       6.750          2,288.64
    SAN RAFAEL       CA   94901          2            12/26/01         00
    0400526026                           05           02/01/02          0
    0400526026                           O            01/01/32
    0

    7139992          W70/W70             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.875          3,153.25         80
                                       6.625          3,153.25
    NAPERVILLE       IL   60564          2            12/19/01         00
    511018155                            05           02/01/02          0
    511018155                            O            01/01/32
    0

    7140068          W70/W70             F          341,503.00         ZZ
                                         360        341,216.10          1
                                       6.875          2,243.43         95
                                       6.625          2,243.43
    CARY             IL   60013          1            11/14/01         14
    500703022                            05           01/01/02         30
    500703022                            O            12/01/31
    0

    7140110          994/994             F          370,800.00         ZZ
                                         360        369,632.43          1
                                       7.250          2,529.51         90
                                       7.000          2,529.51
    CANTON           MA   02021          1            08/27/01         26
    1000321153                           05           10/01/01         25
    1000321153                           O            09/01/31
    0

    7145170          736/G01             F          325,000.00         ZZ
                                         360        324,720.18          1
                                       6.750          2,107.95         55
                                       6.500          2,107.95
    LOS ANGELES      CA   91325          5            11/20/01         00
    0433516762                           05           01/01/02          0
    0104897673                           O            12/01/31
    0

    7145172          736/G01             F          520,000.00         ZZ
                                         360        519,540.83          1
1

                                       6.625          3,329.62         43
                                       6.375          3,329.62
    SAN RAFAEL       CA   94901          2            11/16/01         00
    0433516788                           05           01/01/02          0
    0104880729                           O            12/01/31
    0

    7145174          736/G01             F          414,000.00         ZZ
                                         360        413,643.55          1
                                       6.750          2,685.20         59
                                       6.500          2,685.20
    REDWOOD CITY     CA   94061          5            11/15/01         00
    0433539046                           05           01/01/02          0
    0104940598                           O            12/01/31
    0

    7145178          736/G01             F          421,000.00         ZZ
                                         360        420,624.27          1
                                       6.625          2,695.71         16
                                       6.375          2,695.71
    LOS ALTOS        CA   94024          2            11/12/01         00
    0433516663                           05           01/01/02          0
    0104888615                           O            12/01/31
    0

    7145180          736/G01             F          375,000.00         ZZ
                                         360        374,684.95          1
                                       6.875          2,463.49         76
                                       6.625          2,463.49
    LOS ANGELES      CA   91364          5            11/28/01         00
    0433516069                           05           01/01/02          0
    0105033039                           O            12/01/31
    0

    7145190          736/G01             F          285,000.00         ZZ
                                         360        284,748.55          1
                                       6.625          1,824.89         65
                                       6.375          1,824.89
    SCOTTSDALE       AZ   85260          2            11/29/01         00
    0433497930                           03           01/01/02          0
    0104992904                           O            12/01/31
    0

    7145192          736/G01             F          310,000.00         ZZ
                                         360        309,619.75          1
                                       6.500          1,959.41         73
                                       6.250          1,959.41
    LAS FLORES       CA   92688          2            11/07/01         00
    0433496627                           03           01/01/02          0
1

    10100509                             O            12/01/31
    0

    7145196          736/G01             F          430,000.00         ZZ
                                         360        429,611.27          1
                                       6.500          2,717.90         57
                                       6.250          2,717.90
    SAN FRANCISCO    CA   94114          5            11/16/01         00
    0433516366                           05           01/01/02          0
    0104873112                           O            12/01/31
    0

    7145202          736/G01             F          352,000.00         ZZ
                                         360        351,704.28          1
                                       6.875          2,312.39         62
                                       6.625          2,312.39
    SAN FRANCISCO    CA   94131          2            11/20/01         00
    0433494812                           01           01/01/02          0
    0104912993                           O            12/01/31
    0

    7145204          736/G01             F          264,000.00         ZZ
                                         360        263,794.05          1
                                       7.250          1,800.95         80
                                       7.000          1,800.95
    MODESTO          CA   95357          5            11/27/01         00
    0433541406                           05           01/01/02          0
    105079750                            O            12/01/31
    0

    7145206          736/G01             F          470,000.00         ZZ
                                         360        469,445.83          1
                                       6.500          2,970.72         54
                                       6.250          2,970.72
    SANTA BARBARA    CA   93110          5            11/21/01         00
    0433515731                           05           01/01/02          0
    0104916028                           O            12/01/31
    0

    7145208          736/G01             F          331,000.00         ZZ
                                         360        331,000.00          1
                                       6.500          2,092.15         71
                                       6.250          2,092.15
    APTOS            CA   95003          5            11/29/01         00
    0433515483                           05           02/01/02          0
    0104955919                           O            01/01/32
    0

1

    7145212          736/G01             F          393,800.00         ZZ
                                         360        393,469.16          1
                                       6.875          2,586.99         80
                                       6.625          2,586.99
    ENCINITAS        CA   92024          1            11/29/01         00
    0433515947                           03           01/01/02          0
    0105045736                           O            12/01/31
    0

    7145214          736/G01             F          425,075.00         ZZ
                                         360        424,661.84          1
                                       6.125          2,582.81         69
                                       5.875          2,582.81
    ROSWELL          GA   30076          2            11/16/01         00
    0433498391                           05           01/01/02          0
    0104841119                           O            12/01/31
    0

    7145230          736/G01             F          377,000.00         ZZ
                                         360        376,667.37          1
                                       6.625          2,413.98         73
                                       6.375          2,413.98
    CAMPBELL         CA   95008          5            11/23/01         00
    0433516291                           05           01/01/02          0
    0105053565                           O            12/01/31
    0

    7145234          736/G01             F          470,000.00         ZZ
                                         360        469,454.04          1
                                       6.250          2,893.88         54
                                       6.000          2,893.88
    CUPERTINO        CA   95014          1            11/29/01         00
    0433516572                           05           01/01/02          0
    0105053680                           O            12/01/31
    0

    7145240          736/G01             F          300,000.00         ZZ
                                         360        299,747.96          1
                                       6.875          1,970.79         70
                                       6.625          1,970.79
    LOS ANGELES      CA   91367          2            11/28/01         00
    0433515749                           05           01/01/02          0
    0105033435                           O            12/01/31
    0

    7145242          736/G01             F          396,000.00         ZZ
                                         360        395,459.05          1
                                       6.750          2,568.45         50
                                       6.500          2,568.45
1

    LOS ANGELES      CA   91423          2            11/28/01         00
    0433495322                           05           01/01/02          0
    0105033187                           O            12/01/31
    0

    7145244          736/G01             F          330,000.00         ZZ
                                         360        329,736.10          1
                                       7.125          2,223.28         77
                                       6.875          2,223.28
    PHOENIX          AZ   85022          5            11/27/01         00
    0433516457                           05           01/01/02          0
    0105045439                           O            12/01/31
    0

    7145246          736/G01             F          354,500.00         ZZ
                                         360        354,194.77          1
                                       6.750          2,299.29         30
                                       6.500          2,299.29
    CHARLESTON       SC   29412          2            11/13/01         00
    0433494960                           05           01/01/02          0
    0104920566                           O            12/01/31
    0

    7145248          736/G01             F          415,000.00         ZZ
                                         360        414,615.62          1
                                       6.375          2,589.07         76
                                       6.125          2,589.07
    PARKER           CO   80138          2            11/20/01         00
    0433496163                           05           01/01/02          0
    0104909098                           O            12/01/31
    0

    7145250          736/G01             F          297,000.00         ZZ
                                         360        296,756.55          1
                                       7.000          1,975.95         90
                                       6.750          1,975.95
    PLAINVIEW        NY   11803          1            11/15/01         01
    0433500543                           05           01/01/02         25
    0103828745                           O            12/01/31
    0

    7145254          736/G01             F          380,000.00         ZZ
                                         360        379,696.11          1
                                       7.125          2,560.14         80
                                       6.875          2,560.14
    PACIFICA         CA   94044          2            11/23/01         00
    0433515582                           05           01/01/02          0
    0104023387                           O            12/01/31
    0
1

    7145260          736/G01             F          370,000.00         ZZ
                                         360        369,689.15          1
                                       6.875          2,430.64         67
                                       6.625          2,430.64
    SAN JOSE         CA   95125          2            11/27/01         00
    0433515780                           05           01/01/02          0
    0104888060                           O            12/01/31
    0

    7145274          736/G01             F          475,000.00         ZZ
                                         360        474,570.59          1
                                       6.500          3,002.33         74
                                       6.250          3,002.33
    REDWOOD CITY     CA   94061          2            11/20/01         00
    0433516242                           05           01/01/02          0
    0104908041                           O            12/01/31
    0

    7147296          944/G01             F          332,000.00         ZZ
                                         360        332,000.00          1
                                       7.000          2,208.81         80
                                       6.750          2,208.81
    SAN JOSE         CA   95116          1            12/07/01         00
    0433526118                           03           02/01/02          0
    W01103460                            O            01/01/32
    0

    7148066          M45/G01             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.750          2,594.40         76
                                       6.500          2,594.40
    SAVANNAH         GA   31411          2            12/10/01         00
    0433495181                           03           02/01/02          0
    A0306128                             O            01/01/32
    0

    7148068          M45/G01             F          340,000.00         ZZ
                                         360        340,000.00          1
                                       7.000          2,262.03         68
                                       6.750          2,262.03
    SOQUEL           CA   95073          2            12/05/01         00
    0433495561                           05           02/01/02          0
    A0308670                             O            01/01/32
    0

    7148074          M45/G01             F          350,000.00         ZZ
                                         360        350,000.00          1
1

                                       7.125          2,358.02         70
                                       6.875          2,358.02
    LOS ANGELES      CA   90019          5            12/06/01         00
    0433497807                           05           02/01/02          0
    A0312165                             O            01/01/32
    0

    7148076          M45/G01             F          450,000.00         ZZ
                                         360        450,000.00          1
                                       6.625          2,881.40         71
                                       6.375          2,881.40
    BETHESDA         MD   20816          2            12/12/01         00
    0433498912                           05           02/01/02          0
    A0313379                             O            01/01/32
    0

    7148080          M45/G01             F          332,000.00         ZZ
                                         360        332,000.00          1
                                       6.750          2,153.35         73
                                       6.500          2,153.35
    BENICIA          CA   94510          1            12/13/01         00
    0433500857                           05           02/01/02          0
    A0280386                             O            01/01/32
    0

    7148082          M45/G01             F          427,000.00         ZZ
                                         360        427,000.00          1
                                       6.625          2,734.13         66
                                       6.375          2,734.13
    BARRINGTON       RI   02806          5            12/06/01         00
    0433495785                           05           02/01/02          0
    A0312897                             O            01/01/32
    0

    7148084          M45/G01             F          353,600.00         ZZ
                                         360        353,600.00          1
                                       6.875          2,322.91         80
                                       6.625          2,322.91
    FRISCO           TX   75034          2            12/07/01         00
    0433498714                           03           02/01/02          0
    A0312870                             O            01/01/32
    0

    7148088          M45/G01             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       7.125          2,263.70         73
                                       6.875          2,263.70
    KIRKLAND         WA   98033          2            12/07/01         00
    0433495926                           05           02/01/02          0
1

    A0316012                             O            01/01/32
    0

    7148094          M45/G01             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.500          2,528.28         77
                                       6.250          2,528.28
    LINCOLNSHIRE     IL   60069          2            12/08/01         00
    0433498300                           05           02/01/02          0
    A0312653                             O            01/01/32
    0

    7148096          M45/G01             F          368,000.00         ZZ
                                         360        368,000.00          1
                                       6.250          2,265.84         80
                                       6.000          2,265.84
    WESTFIELD        NJ   07090          2            12/13/01         00
    0433498268                           05           02/01/02          0
    A0311466                             O            01/01/32
    0

    7148098          M45/G01             F          407,000.00         ZZ
                                         360        407,000.00          1
                                       6.750          2,639.80         74
                                       6.500          2,639.80
    RIDGEFIELD       CT   06877          5            12/07/01         00
    0433497963                           05           02/01/02          0
    A0311992                             O            01/01/32
    0

    7148100          M45/G01             F          550,000.00         ZZ
                                         360        550,000.00          1
                                       6.875          3,613.11         79
                                       6.625          3,613.11
    MANALAPAN        NJ   07726          1            12/14/01         00
    0433500329                           05           02/01/02          0
    A0305002                             O            01/01/32
    0

    7148102          M45/G01             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.750          2,594.40         60
                                       6.500          2,594.40
    SAN JOSE         CA   95125          2            12/12/01         00
    0433501020                           05           02/01/02          0
    A0299830                             O            01/01/32
    0

1

    7148104          M45/G01             F          455,000.00         ZZ
                                         360        455,000.00          1
                                       6.875          2,989.03         73
                                       6.625          2,989.03
    SANTA ROSA       CA   95403          2            12/07/01         00
    0433498409                           05           02/01/02          0
    A0311316                             O            01/01/32
    0

    7148106          M45/G01             F          340,800.00         ZZ
                                         360        340,800.00          1
                                       6.625          2,182.18         49
                                       6.375          2,182.18
    CASTRO VALLEY    CA   94546          2            12/04/01         00
    0433495769                           05           02/01/02          0
    A0314808                             O            01/01/32
    0

    7148110          M45/G01             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.750          4,215.89         70
                                       6.500          4,215.89
    SAMMAMISH        WA   98074          1            12/04/01         00
    0433499233                           03           02/01/02          0
    A0311373                             O            01/01/32
    0

    7148114          M45/G01             F          507,500.00         ZZ
                                         360        507,500.00          1
                                       6.875          3,333.92         70
                                       6.625          3,333.92
    WESTFIELD        NJ   07090          5            12/14/01         00
    0433518677                           05           02/01/02          0
    A0308474                             O            01/01/32
    0

    7148118          M45/G01             F          432,682.00         ZZ
                                         360        432,682.00          1
                                       6.750          2,806.37         53
                                       6.500          2,806.37
    ORINDA           CA   94563          2            12/07/01         00
    0433518685                           05           02/01/02          0
    A0312797                             O            01/01/32
    0

    7148120          M45/G01             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       6.750          4,215.89         69
                                       6.500          4,215.89
1

    PURCELLVILLE     VA   20132          2            12/08/01         00
    0433497625                           05           02/01/02          0
    A0306116                             O            01/01/32
    0

    7148122          M45/G01             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.750          2,334.96         72
                                       6.500          2,334.96
    LAS VEGAS        NV   89128          2            12/03/01         00
    0433499100                           03           02/01/02          0
    A0298040                             O            01/01/32
    0

    7148124          M45/G01             F          333,000.00         ZZ
                                         360        333,000.00          1
                                       6.625          2,132.24         34
                                       6.375          2,132.24
    WOODSIDE         CA   94062          2            12/11/01         00
    0433495694                           05           02/01/02          0
    A0313802                             O            01/01/32
    0

    7148126          M45/G01             F          515,000.00         ZZ
                                         360        515,000.00          1
                                       6.750          3,340.29         58
                                       6.500          3,340.29
    LA JOLLA         CA   92037          2            12/05/01         00
    0433498748                           05           02/01/02          0
    A0310731                             O            01/01/32
    0

    7148130          M45/G01             F          386,000.00         ZZ
                                         360        386,000.00          1
                                       6.625          2,471.61         60
                                       6.375          2,471.61
    ESCONDIDO        CA   92029          2            12/10/01         00
    0433518693                           03           02/01/02          0
    A0315119                             O            01/01/32
    0

    7148132          M45/G01             F          456,000.00         ZZ
                                         360        456,000.00          1
                                       6.875          2,995.60         77
                                       6.625          2,995.60
    CLIFTON          VA   20124          2            12/07/01         00
    0433497823                           05           02/01/02          0
    A0292966                             O            01/01/32
    0
1

    7148134          M45/G01             F          520,000.00         ZZ
                                         360        520,000.00          1
                                       6.875          3,416.03         70
                                       6.625          3,416.03
    EAST SETAUKET    NY   11733          5            12/11/01         00
    0433495934                           05           02/01/02          0
    A0315829                             O            01/01/32
    0

    7148136          M45/G01             F          620,000.00         ZZ
                                         360        620,000.00          1
                                       6.750          4,021.31         67
                                       6.500          4,021.31
    HINGHAM          MA   02043          2            12/08/01         00
    0433495710                           05           02/01/02          0
    A0313082                             O            01/01/32
    0

    7148138          M45/G01             F          318,000.00         ZZ
                                         360        318,000.00          1
                                       6.875          2,089.04         73
                                       6.625          2,089.04
    LOS GATOS        CA   95032          5            12/08/01         00
    0433506342                           09           02/01/02          0
    A0312543                             O            01/01/32
    0

    7148140          M45/G01             F          568,000.00         ZZ
                                         360        568,000.00          1
                                       6.875          3,731.36         37
                                       6.625          3,731.36
    MILL VALLEY      CA   94941          5            12/03/01         00
    0433499811                           05           02/01/02          0
    A0313127                             O            01/01/32
    0

    7148142          M45/G01             F          575,000.00         ZZ
                                         360        575,000.00          1
                                       7.125          3,873.89         70
                                       6.875          3,873.89
    HUNTINGTON       NY   11743          1            12/14/01         00
    0433500550                           05           02/01/02          0
    A0298462                             O            01/01/32
    0

    7148144          M45/G01             F          400,000.00         ZZ
                                         360        400,000.00          1
1

                                       6.750          2,594.40         45
                                       6.500          2,594.40
    LA JOLLA         CA   92037          5            12/08/01         00
    0433499159                           05           02/01/02          0
    A0304195                             O            01/01/32
    0

    7148146          M45/G01             F          550,000.00         ZZ
                                         360        550,000.00          1
                                       6.875          3,613.11         46
                                       6.625          3,613.11
    SANTA CRUZ       CA   95060          2            12/07/01         00
    0433501376                           05           02/01/02          0
    A0311009                             O            01/01/32
    0

    7148148          M45/G01             F          348,000.00         ZZ
                                         360        348,000.00          1
                                       7.000          2,315.26         67
                                       6.750          2,315.26
    RIDGEFIELD       CT   06877          2            12/10/01         00
    0433499753                           05           02/01/02          0
    A0313544                             O            01/01/32
    0

    7148150          M45/G01             F          566,000.00         ZZ
                                         360        566,000.00          1
                                       6.750          3,671.07         38
                                       6.500          3,671.07
    ORINDA           CA   94563          2            11/30/01         00
    0433518719                           03           02/01/02          0
    A0297959                             O            01/01/32
    0

    7152232          W93/G01             F          348,000.00         ZZ
                                         360        347,692.97          1
                                       6.625          2,228.28         80
                                       6.375          2,228.28
    BREA             CA   92821          1            11/26/01         00
    0433507860                           05           01/01/02          0
    04295201                             O            12/01/31
    0

    7153854          W93/G01             F          347,000.00         ZZ
                                         360        346,686.30          1
                                       6.500          2,193.28         72
                                       6.250          2,193.28
    SAN CLEMENTE     CA   92673          2            11/26/01         00
    0433508009                           03           01/01/02          0
1

    33282562                             O            12/01/31
    0

    7154124          W93/G01             F          357,750.00         ZZ
                                         360        357,750.00          1
                                       6.750          2,320.36         80
                                       6.500          2,320.36
    CLOVIS           CA   93611          1            12/06/01         00
    0433508264                           05           02/01/02          0
    45284321                             O            01/01/32
    0

    7158440          E22/G01             F          362,500.00         ZZ
                                         360        362,500.00          1
                                       6.625          2,321.13         74
                                       6.375          2,321.13
    ISSAQUAH         WA   98029          2            12/19/01         00
    0413391137                           03           02/01/02          0
    0413391137                           O            01/01/32
    0

    7159284          B65/G01             F          393,500.00         ZZ
                                         360        393,500.00          1
                                       7.000          2,617.97         79
                                       6.750          2,617.97
    UTICA            OH   43080          2            12/21/01         00
    0433525557                           05           02/01/02          0
    SR01128815                           O            01/01/32
    0

    7159480          W93/G01             F          493,550.00         ZZ
                                         360        493,550.00          1
                                       7.125          3,325.14         80
                                       6.875          3,325.14
    THOUDAND OAKS    CA   91320          1            12/03/01         00
    0433507837                           03           02/01/02          0
    03350091                             O            01/01/32
    0

    7159584          W93/G01             F          315,000.00         ZZ
                                         360        315,000.00          1
                                       7.000          2,095.71         60
                                       6.750          2,095.71
    LOS GATOS        CA   95033          5            12/06/01         00
    0433507845                           05           02/01/02          0
    22337884                             O            01/01/32
    0

1

    7159960          W93/G01             F          324,000.00         ZZ
                                         360        324,000.00          1
                                       6.500          2,047.90         80
                                       6.250          2,047.90
    MISSION VIEJO    CA   92691          2            11/30/01         00
    0433507993                           05           02/01/02          0
    67359132                             O            01/01/32
    0

    7160004          W93/G01             F          328,000.00         ZZ
                                         360        327,710.61          1
                                       6.625          2,100.22         80
                                       6.375          2,100.22
    FRESNO           CA   93727          2            11/28/01         00
    0433507811                           05           01/01/02          0
    45351269                             O            12/01/31
    0

    7162016          W70/W70             F          365,118.48         ZZ
                                         334        364,387.56          1
                                       6.875          2,456.24         76
                                       6.625          2,456.24
    LIBERTYVILLE     IL   60048          2            11/02/01         00
    981207082                            05           12/01/01          0
    981207082                            O            09/01/29
    0

    7165918          W93/G01             F          468,000.00         ZZ
                                         360        468,000.00          1
                                       6.625          2,996.66         74
                                       6.375          2,996.66
    LAKEWOOD         CO   80227          2            12/03/01         00
    0433507894                           05           02/01/02          0
    30357119                             O            01/01/32
    0

    7169626          286/286             F          436,400.00         ZZ
                                         360        436,014.97          1
                                       6.625          2,794.32         80
                                       6.375          2,794.32
    GREAT FALLS      VA   22066          2            11/09/01         00
    608854                               03           01/01/02          0
    608854                               O            12/01/31
    0

    7169628          286/286             F          419,500.00         ZZ
                                         360        419,120.76          1
                                       6.500          2,651.53         75
                                       6.250          2,651.53
1

    RALEIGH          NC   27614          2            11/09/01         00
    679423                               03           01/01/02          0
    679423                               O            12/01/31
    0

    7169630          286/286             F          414,000.00         ZZ
                                         360        413,652.19          1
                                       6.875          2,719.69         80
                                       6.625          2,719.69
    LAKE ST LOUIS    MO   63367          2            11/07/01         00
    645058                               05           01/01/02          0
    645058                               O            12/01/31
    0

    7169632          286/286             F          552,000.00         ZZ
                                         360        551,536.05          1
                                       6.875          3,626.25         80
                                       6.625          3,626.25
    FRANKLIN LAKES   NJ   07417          1            11/15/01         00
    314507                               05           01/01/02          0
    314507                               O            12/01/31
    0

    7169634          286/286             F          434,400.00         ZZ
                                         360        433,998.25          1
                                       6.625          2,781.52         80
                                       6.375          2,781.52
    ROCHESTER HILLS  MI   48306          1            11/15/01         00
    678206                               05           01/01/02          0
    678206                               O            12/01/31
    0

    7169638          286/286             F          463,550.00         ZZ
                                         360        463,100.17          1
                                       6.625          2,968.17         80
                                       6.375          2,968.17
    MESA             AZ   85207          1            11/09/01         00
    703770                               03           01/01/02          0
    703770                               O            12/01/31
    0

    7169640          286/286             F          329,600.00         ZZ
                                         360        329,209.34          1
                                       6.750          2,137.78         80
                                       6.500          2,137.78
    TRACYS LANDING   MD   20779          1            11/15/01         00
    826924                               05           01/01/02          0
    826924                               O            12/01/31
    0
1

    7169642          286/286             F          362,000.00         ZZ
                                         360        361,695.88          1
                                       6.875          2,378.08         74
                                       6.625          2,378.08
    BAILEY           CO   80421          2            11/07/01         00
    653998                               05           01/01/02          0
    653998                               O            12/01/31
    0

    7169644          286/286             F          352,000.00         ZZ
                                         360        351,704.28          1
                                       6.875          2,312.39         80
                                       6.625          2,312.39
    BETHESDA         MD   20817          1            11/15/01         00
    584904                               05           01/01/02          0
    584904                               O            12/01/31
    0

    7169648          286/286             F          413,250.00         ZZ
                                         360        412,885.39          1
                                       6.625          2,646.09         80
                                       6.375          2,646.09
    HOUSTON          TX   77082          1            11/15/01         00
    697842                               05           01/01/02          0
    697842                               O            12/01/31
    0

    7169650          286/286             F          335,000.00         ZZ
                                         360        334,704.43          1
                                       6.625          2,145.05         78
                                       6.375          2,145.05
    DAVIE            FL   33328          1            11/16/01         00
    629403                               03           01/01/02          0
    629403                               O            12/01/31
    0

    7169652          286/286             F          600,000.00         ZZ
                                         360        599,495.92          1
                                       6.875          3,941.58         59
                                       6.625          3,941.58
    WASHINGTON       DC   20016          2            11/09/01         00
    424406                               03           01/01/02          0
    424406                               O            12/01/31
    0

    7169654          286/286             F          323,200.00         ZZ
                                         360        322,914.84          1
1

                                       6.625          2,069.49         80
                                       6.375          2,069.49
    KENNESAW         GA   30152          1            11/15/01         00
    671537                               03           01/01/02          0
    671537                               O            12/01/31
    0

    7169656          286/286             F          455,850.00         ZZ
                                         360        455,467.02          1
                                       6.875          2,994.62         80
                                       6.625          2,994.62
    BETHESDA         MD   20814          1            11/16/01         00
    541196                               05           01/01/02          0
    541196                               O            12/01/31
    0

    7169658          286/286             F          589,500.00         ZZ
                                         360        589,004.73          1
                                       6.875          3,872.60         79
                                       6.625          3,872.60
    ANN ARBOR        MI   48108          2            11/12/01         00
    147451                               05           01/01/02          0
    147451                               O            12/01/31
    0

    7169660          286/286             F          453,000.00         ZZ
                                         360        452,129.66          1
                                       6.875          2,975.89         79
                                       6.625          2,975.89
    CHICAGO          IL   60657          2            11/08/01         00
    836376                               01           01/01/02          0
    836376                               O            12/01/31
    0

    7169664          286/286             F          580,000.00         ZZ
                                         360        579,512.73          1
                                       6.875          3,810.19         78
                                       6.625          3,810.19
    FAIRVIEW         TX   75069          2            11/12/01         00
    666820                               03           01/01/02          0
    666820                               O            12/01/31
    0

    7169666          286/286             F          312,000.00         ZZ
                                         360        311,366.59          1
                                       6.875          2,049.62         78
                                       6.625          2,049.62
    GLENMOORE        PA   19343          2            11/09/01         00
    672498                               05           01/01/02          0
1

    672498                               O            12/01/31
    0

    7169672          286/286             F          308,000.00         ZZ
                                         360        307,734.81          1
                                       6.750          1,997.69         80
                                       6.500          1,997.69
    BEND             OR   97701          1            11/13/01         00
    826494                               05           01/01/02          0
    826494                               O            12/01/31
    0

    7169674          286/286             F          294,000.00         ZZ
                                         360        293,546.87          1
                                       6.750          1,906.88         51
                                       6.500          1,906.88
    PALATINE         IL   60067          2            11/09/01         00
    633138                               05           01/01/02          0
    633138                               O            12/01/31
    0

    7169676          286/286             F          635,000.00         ZZ
                                         360        633,664.23          1
                                       6.875          4,171.50         75
                                       6.625          4,171.50
    ANNAPOLIS        MD   21401          2            11/08/01         00
    669146                               05           01/01/02          0
    669146                               O            12/01/31
    0

    7169678          286/286             F          390,000.00         ZZ
                                         360        389,672.35          1
                                       6.875          2,562.03         60
                                       6.625          2,562.03
    EL CAJON         CA   92021          5            11/01/01         00
    646596                               05           01/01/02          0
    646596                               O            12/01/31
    0

    7169680          286/286             F          500,000.00         ZZ
                                         360        499,115.28          1
                                       6.625          3,201.56         52
                                       6.375          3,201.56
    ELLICOTT CITY    MD   21042          1            10/05/01         00
    67087                                05           12/01/01          0
    67087                                O            11/01/31
    0

1

    7169682          286/286             F          393,000.00         ZZ
                                         360        392,661.63          1
                                       6.750          2,549.00         67
                                       6.500          2,549.00
    POWAY            CA   92064          1            11/08/01         00
    832483                               05           01/01/02          0
    832483                               O            12/01/31
    0

    7169684          286/286             F          394,000.00         ZZ
                                         360        393,312.62          1
                                       6.875          2,588.30         66
                                       6.625          2,588.30
    SANTA BARBARA    CA   93105          5            10/26/01         00
    603230                               05           12/01/01          0
    603230                               O            11/01/31
    0

    7169686          286/286             F          945,000.00         ZZ
                                         360        943,911.04          1
                                       7.000          6,287.11         70
                                       6.750          6,287.11
    BLOOMFIELD       MI   48301          1            11/16/01         00
    593186                               05           01/01/02          0
    593186                               O            12/01/31
    0

    7169688          286/286             F          351,000.00         ZZ
                                         360        350,690.32          1
                                       6.625          2,247.49         66
                                       6.375          2,247.49
    CHESTERTON       IN   46304          2            11/09/01         00
    672524                               03           01/01/02          0
    672524                               O            12/01/31
    0

    7169692          286/286             F          398,400.00         ZZ
                                         360        398,056.98          1
                                       6.750          2,584.02         80
                                       6.500          2,584.02
    MT.AIRY          MD   21771          1            11/13/01         00
    578460                               05           01/01/02          0
    578460                               O            12/01/31
    0

    7169694          286/286             F          313,000.00         ZZ
                                         360        312,730.51          1
                                       6.750          2,030.12         54
                                       6.500          2,030.12
1

    SAN DIEGO        CA   92131          2            11/07/01         00
    623504                               03           01/01/02          0
    623504                               O            12/01/31
    0

    7169696          286/286             F          412,000.00         ZZ
                                         360        411,653.87          1
                                       6.875          2,706.55         75
                                       6.625          2,706.55
    GOLDEN           CO   80401          2            11/08/01         00
    666385                               05           01/01/02          0
    666385                               O            12/01/31
    0

    7169700          286/286             F          383,000.00         ZZ
                                         360        382,653.75          1
                                       6.500          2,420.83         67
                                       6.250          2,420.83
    POTOMAC          MD   20854          2            11/08/01         00
    677909                               05           01/01/02          0
    677909                               O            12/01/31
    0

    7169702          286/286             F          452,000.00         ZZ
                                         360        451,610.83          1
                                       6.750          2,931.67         80
                                       6.500          2,931.67
    HOUSTON          TX   77057          1            11/13/01         00
    682644                               05           01/01/02          0
    682644                               O            12/01/31
    0

    7169704          286/286             F          316,600.00         ZZ
                                         360        316,327.41          1
                                       6.750          2,053.47         80
                                       6.500          2,053.47
    BLACKLICK        OH   43004          1            11/15/01         00
    697022                               05           01/01/02          0
    697022                               O            12/01/31
    0

    7169706          286/286             F          513,000.00         ZZ
                                         360        512,558.32          1
                                       6.750          3,327.31         52
                                       6.500          3,327.31
    ANN ARBOR        MI   48105          2            11/07/01         00
    372539                               05           01/01/02          0
    372539                               O            12/01/31
    0
1

    7169710          286/286             F          525,700.00         ZZ
                                         360        525,202.30          1
                                       6.625          3,366.12         80
                                       6.375          3,366.12
    CONCORD          CA   94521          2            11/05/01         00
    102471                               05           01/01/02          0
    102471                               O            12/01/31
    0

    7169712          286/286             F          416,000.00         ZZ
                                         360        415,641.83          1
                                       6.750          2,698.17         80
                                       6.500          2,698.17
    DAMASCUS         MD   20872          1            11/15/01         00
    542311                               05           01/01/02          0
    542311                               O            12/01/31
    0

    7169714          286/286             F          466,900.00         ZZ
                                         360        466,354.38          1
                                       6.875          3,067.21         80
                                       6.625          3,067.21
    OLNEY            MD   20832          2            11/09/01         00
    424210                               03           01/01/02          0
    424210                               O            12/01/31
    0

    7169716          286/286             F          446,000.00         ZZ
                                         360        445,625.30          1
                                       6.875          2,929.91         77
                                       6.625          2,929.91
    WOODBINE         MD   21797          2            11/12/01         00
    611520                               05           01/01/02          0
    611520                               O            12/01/31
    0

    7169718          286/286             F          479,000.00         ZZ
                                         360        478,587.59          1
                                       6.750          3,106.79         70
                                       6.500          3,106.79
    ST LOUIS         MO   63141          2            11/08/01         00
    634540                               05           01/01/02          0
    634540                               O            12/01/31
    0

    7169722          286/286             F          412,000.00         ZZ
                                         360        411,653.87          1
1

                                       6.875          2,706.55         80
                                       6.625          2,706.55
    CHARLOTTESVILLE  VA   22903          1            11/16/01         00
    559371                               05           01/01/02          0
    559371                               O            12/01/31
    0

    7169724          286/286             F          339,700.00         ZZ
                                         360        339,414.61          1
                                       6.875          2,231.59         78
                                       6.625          2,231.59
    MEQUON           WI   53097          2            11/08/01         00
    585502                               05           01/01/02          0
    585502                               O            12/01/31
    0

    7169726          286/286             F          330,800.00         ZZ
                                         360        330,493.61          1
                                       6.375          2,063.77         80
                                       6.125          2,063.77
    CANTON           MI   48188          1            11/14/01         00
    657881                               05           01/01/02          0
    657881                               O            12/01/31
    0

    7169728          286/286             F          323,800.00         ZZ
                                         360        323,514.32          1
                                       6.625          2,073.33         75
                                       6.375          2,073.33
    MCLEAN           VA   22101          2            11/08/01         00
    424190                               05           01/01/02          0
    424190                               O            12/01/31
    0

    7169732          286/286             F          372,500.00         ZZ
                                         360        372,171.35          1
                                       6.625          2,385.16         79
                                       6.375          2,385.16
    RICHARDSON       TX   75082          1            11/12/01         00
    579707                               03           01/01/02          0
    579707                               O            12/01/31
    0

    7169734          286/286             F          484,000.00         ZZ
                                         360        483,583.28          1
                                       6.750          3,139.22         80
                                       6.500          3,139.22
    ALEXANDRIA       VA   22301          1            11/15/01         00
    828776                               05           01/01/02          0
1

    828776                               O            12/01/31
    0

    7169736          286/286             F          420,000.00         ZZ
                                         360        419,629.44          1
                                       6.625          2,689.31         39
                                       6.375          2,689.31
    WASHINGTON       DC   20008          2            11/08/01         00
    704391                               05           01/01/02          0
    704391                               O            12/01/31
    0

    7169738          286/286             F          420,000.00         ZZ
                                         360        419,309.45          1
                                       7.000          2,794.27         80
                                       6.750          2,794.27
    ANDOVER          MA   01810          1            10/29/01         00
    577870                               05           12/01/01          0
    577870                               O            11/01/31
    0

    7169740          286/286             F          650,000.00         ZZ
                                         360        649,440.36          1
                                       6.750          4,215.89         79
                                       6.500          4,215.89
    WAYNE            PA   19087          2            11/09/01         00
    146659                               03           01/01/02          0
    146659                               O            12/01/31
    0

    7169744          286/286             F          460,000.00         ZZ
                                         360        459,613.54          1
                                       6.875          3,021.88         80
                                       6.625          3,021.88
    DUBLIN           OH   43017          2            11/09/01         00
    597759                               05           01/01/02          0
    597759                               O            12/01/31
    0

    7169746          286/286             F          504,500.00         ZZ
                                         360        504,065.63          1
                                       6.750          3,272.18         35
                                       6.500          3,272.18
    FT WORTH         TX   76107          2            11/07/01         00
    591118                               03           01/01/02          0
    591118                               O            12/01/31
    0

1

    7169748          286/286             F          389,900.00         ZZ
                                         360        389,572.43          1
                                       6.875          2,561.37         78
                                       6.625          2,561.37
    FOX POINT        WI   53217          2            11/09/01         00
    666561                               05           01/01/02          0
    666561                               O            12/01/31
    0

    7169750          286/286             F          427,200.00         ZZ
                                         360        426,832.18          1
                                       6.750          2,770.82         71
                                       6.500          2,770.82
    ALEXANDRIA       VA   22305          1            11/16/01         00
    829558                               05           01/01/02          0
    829558                               O            12/01/31
    0

    7169752          286/286             F          424,000.00         ZZ
                                         360        423,625.91          1
                                       6.625          2,714.92         59
                                       6.375          2,714.92
    MCLEAN           VA   22101          2            11/09/01         00
    677047                               05           01/01/02          0
    677047                               O            12/01/31
    0

    7169754          286/286             F          356,000.00         ZZ
                                         360        355,700.91          1
                                       6.875          2,338.67         75
                                       6.625          2,338.67
    ELLISVILLE       MO   63021          2            11/12/01         00
    641089                               05           01/01/02          0
    641089                               O            12/01/31
    0

    7169756          286/286             F          296,800.00         ZZ
                                         360        296,550.65          1
                                       6.875          1,949.77         80
                                       6.625          1,949.77
    HERNDON          VA   20171          2            11/08/01         00
    683907                               03           01/01/02          0
    683907                               O            12/01/31
    0

    7169758          286/286             F          340,500.00         ZZ
                                         360        340,213.93          1
                                       6.875          2,236.85         76
                                       6.625          2,236.85
1

    OLNEY            MD   20832          2            11/08/01         00
    698836                               05           01/01/02          0
    698836                               O            12/01/31
    0

    7169760          286/286             F          556,000.00         ZZ
                                         360        545,532.89          1
                                       6.875          3,652.53         79
                                       6.625          3,652.53
    TEMPE            AZ   85284          2            11/06/01         00
    828019                               03           01/01/02          0
    828019                               O            12/01/31
    0

    7169762          286/286             F          361,000.00         ZZ
                                         360        360,602.51          1
                                       6.750          2,341.44         66
                                       6.500          2,341.44
    BETHEL PARK      PA   15102          2            11/10/01         00
    596469                               05           01/01/02          0
    596469                               O            12/01/31
    0

    7169766          286/286             F          447,500.00         ZZ
                                         360        447,114.71          1
                                       6.750          2,902.48         80
                                       6.500          2,902.48
    HOUSTON          TX   77005          2            11/06/01         00
    659518                               05           01/01/02          0
    659518                               O            12/01/31
    0

    7169768          286/286             F          588,000.00         ZZ
                                         360        587,493.74          1
                                       6.750          3,813.76         80
                                       6.500          3,813.76
    SILVER SPRING    MD   20905          2            11/07/01         00
    147528                               03           01/01/02          0
    147528                               O            12/01/31
    0

    7169772          286/286             F          315,000.00         ZZ
                                         360        314,728.79          1
                                       6.750          2,043.09         51
                                       6.500          2,043.09
    SUDBURY          MA   01776          2            11/07/01         00
    664894                               05           01/01/02          0
    664894                               O            12/01/31
    0
1

    7169774          286/286             F          332,000.00         ZZ
                                         360        331,547.74          1
                                       6.750          2,153.35         80
                                       6.500          2,153.35
    SAN DIEGO        CA   92117          2            11/07/01         00
    682747                               05           01/01/02          0
    682747                               O            12/01/31
    0

    7169776          286/286             F          540,000.00         ZZ
                                         360        539,511.83          1
                                       6.500          3,413.17         80
                                       6.250          3,413.17
    BURKE            VA   22015          1            11/16/01         00
    598248                               03           01/01/02          0
    598248                               O            12/01/31
    0

    7169778          286/286             F          356,000.00         ZZ
                                         360        355,685.91          1
                                       6.625          2,279.51         80
                                       6.375          2,279.51
    OLD BRIDGE       NJ   08857          1            11/16/01         00
    556498                               05           01/01/02          0
    556498                               O            12/01/31
    0

    7169780          286/286             F          650,000.00         ZZ
                                         360        649,440.36          1
                                       6.750          4,215.89         79
                                       6.500          4,215.89
    AUSTIN           TX   78703          2            11/07/01         00
    698217                               05           01/01/02          0
    698217                               O            12/01/31
    0

    7169782          286/286             F          344,000.00         ZZ
                                         360        343,673.60          1
                                       6.250          2,118.07         80
                                       6.000          2,118.07
    ANN ARBOR        MI   48103          1            11/16/01         00
    681479                               05           01/01/02          0
    681479                               O            12/01/31
    0

    7169784          286/286             F          340,000.00         ZZ
                                         360        339,707.26          1
1

                                       6.750          2,205.24         90
                                       6.500          2,205.24
    CHICAGO          IL   60610          2            11/12/01         10
    675601                               01           01/01/02         25
    675601                               O            12/01/31
    0

    7169786          286/286             F          316,000.00         ZZ
                                         360        315,727.93          1
                                       6.750          2,049.57         80
                                       6.500          2,049.57
    ARLINGTON        VA   22201          1            11/12/01         00
    568683                               05           01/01/02          0
    568683                               O            12/01/31
    0

    7169788          286/286             F          376,000.00         ZZ
                                         360        375,684.12          1
                                       6.875          2,470.05         80
                                       6.625          2,470.05
    BOULDER          CO   80303          1            11/15/01         00
    830826                               05           01/01/02          0
    830826                               O            12/01/31
    0

    7169792          286/286             F          360,000.00         ZZ
                                         360        359,690.04          1
                                       6.750          2,334.96         80
                                       6.500          2,334.96
    POTOMAC          MD   20854          1            11/14/01         00
    145328                               05           01/01/02          0
    145328                               O            12/01/31
    0

    7169794          286/286             F          504,000.00         ZZ
                                         360        503,576.57          1
                                       6.875          3,310.92         67
                                       6.625          3,310.92
    ADA              MI   49301          2            11/06/01         00
    622886                               05           01/01/02          0
    622886                               O            12/01/31
    0

    7169796          286/286             F          553,500.00         ZZ
                                         360        553,011.66          1
                                       6.625          3,544.12         69
                                       6.375          3,544.12
    HOUSTON          TX   77056          2            11/09/01         00
    697987                               05           01/01/02          0
1

    697987                               O            12/01/31
    0

    7169800          286/286             F          340,000.00         ZZ
                                         360        339,707.26          1
                                       6.750          2,205.24         75
                                       6.500          2,205.24
    HYATTSVILLE      MD   20782          2            11/13/01         00
    657339                               05           01/01/02          0
    657339                               O            12/01/31
    0

    7169802          286/286             F          542,800.00         ZZ
                                         360        542,332.65          1
                                       6.750          3,520.60         75
                                       6.500          3,520.60
    LAS VEGAS        NV   89117          2            11/07/01         00
    458282                               03           01/01/02          0
    458282                               O            12/01/31
    0

    7169806          286/286             F          336,500.00         ZZ
                                         360        336,210.28          1
                                       6.750          2,182.53         73
                                       6.500          2,182.53
    AUSTIN           TX   78734          2            11/09/01         00
    675969                               05           01/01/02          0
    675969                               O            12/01/31
    0

    7169810          286/286             F          650,000.00         ZZ
                                         360        649,440.36          1
                                       6.750          4,215.89         70
                                       6.500          4,215.89
    CONIFER          CO   80433          2            11/09/01         00
    661415                               05           01/01/02          0
    661415                               O            12/01/31
    0

    7169812          286/286             F          337,000.00         ZZ
                                         360        336,687.86          1
                                       6.375          2,102.45         79
                                       6.125          2,102.45
    DOYLESTOWN       PA   18901          2            11/12/01         00
    660120                               05           01/01/02          0
    660120                               O            12/01/31
    0

1

    7169816          286/286             F          400,000.00         ZZ
                                         360        399,601.79          1
                                       6.000          2,398.21         73
                                       5.750          2,398.21
    PITTSBURGH       PA   15232          1            11/16/01         00
    829485                               05           01/01/02          0
    829485                               O            12/01/31
    0

    7169822          286/286             F          483,000.00         ZZ
                                         360        482,594.22          1
                                       6.875          3,172.97         63
                                       6.625          3,172.97
    ZIONSVILLE       IN   46077          2            11/08/01         00
    665700                               05           01/01/02          0
    665700                               O            12/01/31
    0

    7169824          286/286             F          312,800.00         ZZ
                                         360        312,530.68          1
                                       6.750          2,028.82         67
                                       6.500          2,028.82
    ANN ARBOR        MI   48108          2            11/06/01         00
    606973                               05           01/01/02          0
    606973                               O            12/01/31
    0

    7169826          286/286             F          390,000.00         ZZ
                                         360        389,504.72          1
                                       6.250          2,401.30         70
                                       6.000          2,401.30
    MILL CREEK       WA   98012          1            11/14/01         00
    839795                               03           01/01/02          0
    839795                               O            12/01/31
    0

    7169832          286/286             F          376,500.00         ZZ
                                         360        376,183.69          1
                                       6.875          2,473.34         70
                                       6.625          2,473.34
    WARREN           NJ   07059          5            11/01/01         00
    666375                               05           01/01/02          0
    666375                               O            12/01/31
    0

    7169834          286/286             F          500,000.00         ZZ
                                         360        499,569.50          1
                                       6.750          3,243.00         73
                                       6.500          3,243.00
1

    BLOOMFIELD       MI   48304          1            11/16/01         00
    677339                               05           01/01/02          0
    677339                               O            12/01/31
    0

    7169840          286/286             F          355,000.00         ZZ
                                         360        354,596.88          1
                                       6.750          2,302.53         52
                                       6.500          2,302.53
    MONUMENT         CO   80132          2            11/07/01         00
    683222                               05           01/01/02          0
    683222                               O            12/01/31
    0

    7169842          286/286             F          439,000.00         ZZ
                                         360        438,622.03          1
                                       6.750          2,847.35         80
                                       6.500          2,847.35
    MILLERSVILLE     MD   21108          2            11/08/01         00
    680309                               05           01/01/02          0
    680309                               O            12/01/31
    0

    7169846          286/286             F          324,000.00         ZZ
                                         360        323,714.14          1
                                       6.625          2,074.61         80
                                       6.375          2,074.61
    HOUSTON          TX   77077          1            11/16/01         00
    694234                               03           01/01/02          0
    694234                               O            12/01/31
    0

    7169848          286/286             F          450,000.00         ZZ
                                         360        449,602.97          1
                                       6.625          2,881.40         77
                                       6.375          2,881.40
    DARNESTOWN       MD   20878          2            11/13/01         00
    147529                               05           01/01/02          0
    147529                               O            12/01/31
    0

    7169850          286/286             F          436,800.00         ZZ
                                         360        436,423.92          1
                                       6.750          2,833.08         80
                                       6.500          2,833.08
    TOLEDO           OH   43615          1            11/15/01         00
    520947                               05           01/01/02          0
    520947                               O            12/01/31
    0
1

    7169852          286/286             F          345,000.00         ZZ
                                         360        344,418.64          1
                                       6.875          2,266.41         67
                                       6.625          2,266.41
    ANN ARBOR        MI   48103          5            10/24/01         00
    676015                               05           12/01/01          0
    676015                               O            11/01/31
    0

    7169854          286/286             F          339,000.00         ZZ
                                         360        338,693.53          1
                                       6.500          2,142.72         68
                                       6.250          2,142.72
    DALLAS           TX   75208          1            11/14/01         00
    544644                               05           01/01/02          0
    544644                               O            12/01/31
    0

    7169856          286/286             F          313,750.00         ZZ
                                         360        313,479.86          1
                                       6.750          2,034.98         80
                                       6.500          2,034.98
    FLOWER MOUND     TX   75022          1            11/15/01         00
    697494                               03           01/01/02          0
    697494                               O            12/01/31
    0

    7169858          286/286             F          592,000.00         ZZ
                                         360        591,538.18          1
                                       7.250          4,038.49         80
                                       7.000          4,038.49
    CROWNSVILLE      MD   21032          1            11/14/01         00
    604400                               05           01/01/02          0
    604400                               O            12/01/31
    0

    7169862          286/286             F          317,000.00         ZZ
                                         360        316,740.16          1
                                       7.000          2,109.01         80
                                       6.750          2,109.01
    CARLSBAD         CA   92009          2            11/09/01         00
    627411                               05           01/01/02          0
    627411                               O            12/01/31
    0

    7169864          286/286             F          331,600.00         ZZ
                                         360        331,314.49          1
1

                                       6.750          2,150.76         79
                                       6.500          2,150.76
    SAN ANTONIO      TX   78261          2            11/09/01         00
    830544                               03           01/01/02          0
    830544                               O            12/01/31
    0

    7169866          286/286             F          338,000.00         ZZ
                                         360        337,708.98          1
                                       6.750          2,192.27         70
                                       6.500          2,192.27
    BARRINGTON       IL   60010          2            11/14/01         00
    827879                               05           01/01/02          0
    827879                               O            12/01/31
    0

    7169870          286/286             F          430,000.00         ZZ
                                         360        429,629.77          1
                                       6.750          2,788.98         71
                                       6.500          2,788.98
    MACON            GA   31210          2            11/07/01         00
    685616                               05           01/01/02          0
    685616                               O            12/01/31
    0

    7169874          286/286             F          368,000.00         ZZ
                                         360        367,683.15          1
                                       6.750          2,386.85         70
                                       6.500          2,386.85
    PITTSBURGH       PA   15243          1            11/16/01         00
    640554                               05           01/01/02          0
    640554                               O            12/01/31
    0

    7169876          286/286             F          421,574.00         ZZ
                                         360        420,941.70          1
                                       6.750          2,734.33         59
                                       6.500          2,734.33
    BOCA RATON       FL   33432          2            11/09/01         00
    542907                               05           01/01/02          0
    542907                               O            12/01/31
    0

    7169878          286/286             F          425,000.00         ZZ
                                         360        424,634.08          1
                                       6.750          2,756.55         64
                                       6.500          2,756.55
    LITTLETON        CO   80123          2            11/12/01         00
    661799                               03           01/01/02          0
1

    661799                               O            12/01/31
    0

    7169880          286/286             F          330,000.00         ZZ
                                         360        330,000.00          1
                                       6.750          2,140.38         70
                                       6.500          2,140.38
    NORTHVILLE       MI   48167          1            12/03/01         00
    693950                               05           02/01/02          0
    693950                               O            01/01/32
    0

    7169882          286/286             F          369,600.00         ZZ
                                         360        369,281.78          1
                                       6.750          2,397.22         80
                                       6.500          2,397.22
    MACOMB TOWNSHIP  MI   48044          2            11/09/01         00
    670276                               05           01/01/02          0
    670276                               O            12/01/31
    0

    7169884          286/286             F          431,950.00         ZZ
                                         360        431,506.94          1
                                       6.750          2,801.62         80
                                       6.500          2,801.62
    ASHBURN          VA   20147          1            11/13/01         00
    690959                               03           01/01/02          0
    690959                               O            12/01/31
    0

    7169886          286/286             F          298,000.00         ZZ
                                         360        297,743.42          1
                                       6.750          1,932.83         65
                                       6.500          1,932.83
    MONTVALE         NJ   07654          2            11/09/01         00
    560610                               05           01/01/02          0
    560610                               O            12/01/31
    0

    7169888          286/286             F          485,000.00         ZZ
                                         360        484,582.42          1
                                       6.750          3,145.71         53
                                       6.500          3,145.71
    SARASOTA         FL   34236          2            11/09/01         00
    555434                               05           01/01/02          0
    555434                               O            12/01/31
    0

1

    7169890          286/286             F          579,500.00         ZZ
                                         360        579,013.14          1
                                       6.875          3,806.91         60
                                       6.625          3,806.91
    OAKTON           VA   22124          2            11/08/01         00
    672754                               05           01/01/02          0
    672754                               O            12/01/31
    0

    7169894          286/286             F          448,000.00         ZZ
                                         360        447,623.62          1
                                       6.875          2,943.05         76
                                       6.625          2,943.05
    GAINESVILLE      VA   20155          2            11/16/01         00
    699261                               03           01/01/02          0
    699261                               O            12/01/31
    0

    7169896          286/286             F          359,000.00         ZZ
                                         360        358,690.91          1
                                       6.750          2,328.47         73
                                       6.500          2,328.47
    ATLANTA          GA   30306          2            11/09/01         00
    669964                               05           01/01/02          0
    669964                               O            12/01/31
    0

    7169900          286/286             F          352,246.00         ZZ
                                         360        351,977.97          1
                                       7.375          2,432.88         79
                                       7.125          2,432.88
    MAGNOLIA         TX   77354          2            11/05/01         00
    685300                               05           01/01/02          0
    685300                               O            12/01/31
    0

    7169902          286/286             F          550,000.00         ZZ
                                         360        549,502.79          1
                                       6.500          3,476.38         48
                                       6.250          3,476.38
    DALLAS           TX   75230          2            11/15/01         00
    450371                               05           01/01/02          0
    450371                               O            12/01/31
    0

    7169904          286/286             F          364,000.00         ZZ
                                         360        363,694.20          1
                                       6.875          2,391.22         80
                                       6.625          2,391.22
1

    NORTH BARRINGTO  IL   60010          1            11/15/01         00
    707394                               05           01/01/02          0
    707394                               O            12/01/31
    0

    7169910          286/286             F          335,900.00         ZZ
                                         360        335,617.81          1
                                       6.875          2,206.62         80
                                       6.625          2,206.62
    SAN MATEO        CA   94401          1            11/15/01         00
    9893051                              05           01/01/02          0
    9893051                              O            12/01/31
    0

    7169912          286/286             F          340,000.00         ZZ
                                         360        339,714.36          1
                                       6.875          2,233.56         80
                                       6.625          2,233.56
    SAN ANTONIO      TX   78212          1            11/15/01         00
    9924129                              05           01/01/02          0
    9924129                              O            12/01/31
    0

    7169914          286/286             F          382,000.00         ZZ
                                         360        381,402.22          1
                                       7.250          2,605.91         79
                                       7.000          2,605.91
    LAGUNA BEACH     CA   92651          2            10/26/01         00
    9911758                              05           12/01/01          0
    9911758                              O            11/01/31
    0

    7169918          286/286             F          372,000.00         ZZ
                                         360        371,655.45          1
                                       6.375          2,320.80         60
                                       6.125          2,320.80
    LOS ANGELES      CA   90293          2            11/09/01         00
    699394                               05           01/01/02          0
    699394                               O            12/01/31
    0

    7169920          286/286             F          307,500.00         ZZ
                                         360        307,241.66          1
                                       6.875          2,020.06         75
                                       6.625          2,020.06
    SOUTH SAN FRANC  CA   94080          1            11/09/01         00
    9922215                              05           01/01/02          0
    9922215                              O            12/01/31
    0
1

    7169922          286/286             F          397,000.00         ZZ
                                         360        396,674.58          1
                                       7.000          2,641.25         63
                                       6.750          2,641.25
    HUNTINGTON BEAC  CA   92648          2            11/01/01         00
    9916659                              05           01/01/02          0
    9916659                              O            12/01/31
    0

    7169924          286/286             F          315,000.00         ZZ
                                         360        314,748.10          1
                                       7.125          2,122.21         78
                                       6.875          2,122.21
    STONEHAM         MA   02180          1            11/15/01         00
    9928607                              05           01/01/02          0
    9928607                              O            12/01/31
    0

    7169926          286/286             F          335,000.00         ZZ
                                         360        334,711.58          1
                                       6.750          2,172.80         74
                                       6.500          2,172.80
    DANVILLE         CA   94526          1            11/09/01         00
    9917400                              03           01/01/02          0
    9917400                              O            12/01/31
    0

    7169928          286/286             F          350,000.00         ZZ
                                         360        349,726.96          1
                                       7.250          2,387.62         64
                                       7.000          2,387.62
    NEWPORT BEACH    CA   92660          1            11/06/01         00
    9906214                              05           01/01/02          0
    9906214                              O            12/01/31
    0

    7169930          286/286             F          361,750.00         ZZ
                                         360        361,460.71          1
                                       7.125          2,437.18         80
                                       6.875          2,437.18
    OAKLAND          CA   94611          1            11/14/01         00
    9921704                              05           01/01/02          0
    9921704                              O            12/01/31
    0

    7169932          286/286             F          450,000.00         ZZ
                                         360        449,602.97          1
1

                                       6.625          2,881.40         74
                                       6.375          2,881.40
    HUNTINGTON BEAC  CA   92649          2            10/31/01         00
    9915361                              03           01/01/02          0
    9915361                              O            12/01/31
    0

    7169934          286/286             F          310,000.00         ZZ
                                         360        309,733.10          1
                                       6.750          2,010.65         84
                                       6.500          2,010.65
    SAN LEANDRO      CA   94578          1            11/07/01         14
    9913871                              05           01/01/02         25
    9913871                              O            12/01/31
    0

    7169936          286/286             F          302,400.00         ZZ
                                         360        302,152.13          1
                                       7.000          2,011.87         80
                                       6.750          2,011.87
    APTOS            CA   95003          1            11/06/01         00
    9926008                              05           01/01/02          0
    9926008                              O            12/01/31
    0

    7169938          286/286             F          469,300.00         ZZ
                                         360        468,905.73          1
                                       6.875          3,082.97         62
                                       6.625          3,082.97
    GRANITE BAY      CA   95746          2            11/08/01         00
    9927083                              03           01/01/02          0
    9927083                              O            12/01/31
    0

    7169940          286/286             F          548,430.00         ZZ
                                         360        547,957.81          1
                                       6.750          3,557.11         38
                                       6.500          3,557.11
    DEL MAR          CA   92014          2            11/06/01         00
    9927787                              05           01/01/02          0
    9927787                              O            12/01/31
    0

    7169942          286/286             F          213,500.00         ZZ
                                         360        213,311.64          1
                                       6.625          1,367.06         64
                                       6.375          1,367.06
    CONCORD          CA   94521          5            11/08/01         00
    9900974                              05           01/01/02          0
1

    9900974                              O            12/01/31
    0

    7169944          286/286             F          483,000.00         ZZ
                                         360        481,716.88          1
                                       6.750          3,132.73         61
                                       6.500          3,132.73
    RIVERSIDE        CA   92506          5            11/13/01         00
    9923528                              05           01/01/02          0
    9923528                              O            12/01/31
    0

    7169946          286/286             F          424,000.00         ZZ
                                         360        423,643.79          1
                                       6.875          2,785.38         80
                                       6.625          2,785.38
    LA JOLLA         CA   92037          1            11/01/01         00
    9926519                              01           01/01/02          0
    9926519                              O            12/01/31
    0

    7169950          286/286             F          380,000.00         ZZ
                                         360        379,664.74          1
                                       6.625          2,433.18         80
                                       6.375          2,433.18
    LOS ANGELES      CA   90056          1            11/08/01         00
    708804                               05           01/01/02          0
    708804                               O            12/01/31
    0

    7169952          286/286             F          594,400.00         ZZ
                                         360        593,936.31          1
                                       7.250          4,054.86         70
                                       7.000          4,054.86
    FALLBROOK        CA   92028          5            11/06/01         00
    9911862                              05           01/01/02          0
    9911862                              O            12/01/31
    0

    7169954          286/286             F          408,000.00         ZZ
                                         360        407,618.11          1
                                       7.000          2,714.43         63
                                       6.750          2,714.43
    SCOTTS VALLEY    CA   95066          5            11/01/01         00
    9920612                              05           01/01/02          0
    9920612                              O            12/01/31
    0

1

    7169956          286/286             F          310,000.00         ZZ
                                         360        309,705.86          1
                                       6.250          1,908.72         66
                                       6.000          1,908.72
    NEWTON           MA   02462          1            11/13/01         00
    705157                               05           01/01/02          0
    705157                               O            12/01/31
    0

    7169958          286/286             F          480,000.00         ZZ
                                         360        479,276.51          1
                                       6.625          3,073.49         68
                                       6.375          3,073.49
    SAN DIEGO        CA   92104          5            11/15/01         00
    9922163                              05           01/01/02          0
    9922163                              O            12/01/31
    0

    7169960          286/286             F          404,000.00         ZZ
                                         360        403,676.93          1
                                       7.125          2,721.82         80
                                       6.875          2,721.82
    GRANADA HILLS    CA   91344          2            11/07/01         00
    9923454                              05           01/01/02          0
    9923454                              O            12/01/31
    0

    7169962          286/286             F          296,000.00         ZZ
                                         360        295,763.29          1
                                       7.125          1,994.21         80
                                       6.875          1,994.21
    FALLBROOK        CA   92028          1            11/07/01         00
    699674                               05           01/01/02          0
    699674                               O            12/01/31
    0

    7169964          286/286             F          532,000.00         ZZ
                                         360        531,553.06          1
                                       6.875          3,494.86         80
                                       6.625          3,494.86
    EDGEWATER        MD   21037          1            11/16/01         00
    9943034                              03           01/01/02          0
    9943034                              O            12/01/31
    0

    7169968          286/286             F          420,000.00         ZZ
                                         360        419,647.15          1
                                       6.875          2,759.10         80
                                       6.625          2,759.10
1

    PLEASANT HILL    CA   94523          2            11/15/01         00
    9920614                              05           01/01/02          0
    9920614                              O            12/01/31
    0

    7169970          286/286             F          320,000.00         ZZ
                                         360        319,297.67          1
                                       6.875          2,102.17         80
                                       6.625          2,102.17
    PALM SPRINGS     CA   92264          1            11/12/01         00
    9920726                              03           01/01/02          0
    9920726                              O            12/01/31
    0

    7169972          286/286             F          340,000.00         ZZ
                                         360        339,721.30          1
                                       7.000          2,262.03         80
                                       6.750          2,262.03
    TEMECULA         CA   92591          1            11/13/01         00
    9683865                              03           01/01/02          0
    9683865                              O            12/01/31
    0

    7169974          286/286             F          324,000.00         ZZ
                                         360        323,714.14          1
                                       6.625          2,074.61         80
                                       6.375          2,074.61
    SAN JOSE         CA   95124          1            11/12/01         00
    701611                               01           01/01/02          0
    701611                               O            12/01/31
    0

    7169976          286/286             F          345,000.00         ZZ
                                         360        344,710.16          1
                                       6.875          2,266.40         59
                                       6.625          2,266.40
    LIVERMORE        CA   94550          5            11/06/01         00
    9915203                              05           01/01/02          0
    9915203                              O            12/01/31
    0

    7169980          286/286             F          394,400.00         ZZ
                                         360        394,052.03          1
                                       6.625          2,525.39         80
                                       6.375          2,525.39
    OCEANSIDE        CA   92057          1            11/09/01         00
    9896415                              05           01/01/02          0
    9896415                              O            12/01/31
    0
1

    7169982          286/286             F          370,000.00         ZZ
                                         360        369,519.79          1
                                       6.875          2,430.64         74
                                       6.625          2,430.64
    SAN DIEGO        CA   92127          5            11/15/01         00
    9924370                              03           01/01/02          0
    9924370                              O            12/01/31
    0

    7169984          286/286             F          354,000.00         ZZ
                                         360        353,716.92          1
                                       7.125          2,384.96         80
                                       6.875          2,384.96
    FOUNTAIN HILLS   AZ   85268          1            11/16/01         00
    710749                               05           01/01/02          0
    710749                               O            12/01/31
    0

    7169986          286/286             F          575,000.00         ZZ
                                         360        574,504.94          1
                                       6.750          3,729.44         58
                                       6.500          3,729.44
    PALO ALTO        CA   94306          5            11/08/01         00
    9930157                              05           01/01/02          0
    9930157                              O            12/01/31
    0

    7171512          405/405             F          375,200.00         ZZ
                                         360        375,200.00          1
                                       6.750          2,433.55         80
                                       6.250          2,433.55
    EL CAJON         CA   92021          1            12/19/01         00
    0017617184                           05           02/01/02          0
    0017617184                           O            01/01/32
    0

    7171540          405/405             F          329,000.00         ZZ
                                         360        329,000.00          1
                                       6.750          2,133.89         70
                                       6.250          2,133.89
    SAN FRANCISCO    CA   94134          5            12/11/01         00
    0017932302                           05           02/01/02          0
    0017932302                           O            01/01/32
    0

    7171546          405/405             F          331,200.00         ZZ
                                         360        331,200.00          1
1

                                       6.750          2,148.16         80
                                       6.250          2,148.16
    TRABUCO CANYON   CA   92679          1            12/07/01         00
    0017945619                           03           02/01/02          0
    0017945619                           O            01/01/32
    0

    7171566          405/405             F          445,000.00         ZZ
                                         360        445,000.00          1
                                       6.750          2,886.27         53
                                       6.250          2,886.27
    BEVERLY HILLS    CA   90211          2            12/14/01         00
    0017980046                           01           02/01/02          0
    0017980046                           O            01/01/32
    0

    7171570          405/405             F          466,000.00         ZZ
                                         360        466,000.00          1
                                       6.750          3,022.47         51
                                       6.250          3,022.47
    LOS ANGELES      CA   90049          2            12/06/01         00
    0018001693                           05           02/01/02          0
    0018001693                           O            01/01/32
    0

    7171588          405/405             F          395,000.00         ZZ
                                         360        395,000.00          1
                                       6.750          2,561.97         59
                                       6.250          2,561.97
    SEAL BEACH       CA   90743          2            12/07/01         00
    0018028944                           03           02/01/02          0
    0018028944                           O            01/01/32
    0

    7171596          405/405             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.750          3,243.00         55
                                       6.250          3,243.00
    THOUSAND OAKS    CA   91361          1            12/11/01         00
    0018052050                           03           02/01/02          0
    0018052050                           O            01/01/32
    0

    7171606          405/405             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.750          2,334.96         80
                                       6.250          2,334.96
    STEVENSON RANCH  CA   91381          1            12/12/01         00
    0018079863                           05           02/01/02          0
1

    0018079863                           O            01/01/32
    0

    7171608          405/405             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.750          3,113.28         80
                                       6.250          3,113.28
    SANTA CLARITA    CA   91355          1            12/16/01         00
    0018094680                           03           02/01/02          0
    0018094680                           O            01/01/32
    0

    7171616          405/405             F          602,000.00         ZZ
                                         360        602,000.00          1
                                       6.750          3,904.57         73
                                       6.250          3,904.57
    WESTLAKE VILLAG  CA   91361          2            12/04/01         00
    0019961465                           05           02/01/02          0
    0019961465                           O            01/01/32
    0

    7171626          405/405             F          316,000.00         ZZ
                                         360        316,000.00          1
                                       6.750          2,049.57         80
                                       6.250          2,049.57
    NORTHRIDGE       CA   91324          1            12/01/01         00
    0019979061                           05           02/01/02          0
    0019979061                           O            01/01/32
    0

    7171632          405/405             F          429,600.00         ZZ
                                         360        429,600.00          1
                                       6.750          2,786.38         80
                                       6.250          2,786.38
    BELMONT          CA   94002          1            12/10/01         00
    0019985308                           05           02/01/02          0
    0019985308                           O            01/01/32
    0

    7171638          405/405             F          367,200.00         ZZ
                                         360        367,200.00          1
                                       6.750          2,381.66         80
                                       6.250          2,381.66
    REDONDO BEACH    CA   90278          1            12/14/01         00
    0019992015                           01           02/01/02          0
    0019992015                           O            01/01/32
    0

1

    7171640          405/405             F          410,000.00         ZZ
                                         360        410,000.00          1
                                       6.750          2,659.26         80
                                       6.250          2,659.26
    GLENDALE         CA   91207          1            12/13/01         00
    0060005717                           05           02/01/02          0
    0060005717                           O            01/01/32
    0

    7171642          405/405             F          395,000.00         ZZ
                                         360        395,000.00          1
                                       6.750          2,561.97         67
                                       6.250          2,561.97
    RANCHO PALOS VE  CA   90275          1            12/18/01         00
    0060011756                           05           02/01/02          0
    0060011756                           O            01/01/32
    0

    7171686          405/405             F          620,500.00         ZZ
                                         360        618,781.46          1
                                       7.250          4,232.90         66
                                       6.750          4,232.90
    SAN MATEO        CA   94402          2            09/28/01         00
    0012473310                           05           11/01/01          0
    0012473310                           O            10/01/31
    0

    7171688          405/405             F          375,000.00         ZZ
                                         360        373,977.45          1
                                       6.500          2,370.26         39
                                       6.250          2,370.26
    ATLANTA          GA   30327          1            10/01/01         00
    0012566568                           05           11/01/01          0
    0012566568                           O            10/01/31
    0

    7171690          405/405             F          415,100.00         ZZ
                                         360        414,400.54          1
                                       6.875          2,726.91         80
                                       6.375          2,726.91
    COOKSVILLE       MD   21723          1            10/31/01         00
    0012574794                           03           12/01/01          0
    0012574794                           O            11/01/31
    0

    7171692          405/405             F          333,000.00         ZZ
                                         360        332,727.04          1
                                       7.000          2,215.46         76
                                       6.500          2,215.46
1

    LEAWOOD          KS   66206          2            11/13/01         00
    0012589545                           03           01/01/02          0
    0012589545                           O            12/01/31
    0

    7171696          405/405             F          448,000.00         ZZ
                                         360        447,147.63          1
                                       6.250          2,758.41         57
                                       6.000          2,758.41
    CINCINNATI       OH   45242          2            10/16/01         00
    0012629028                           03           12/01/01          0
    0012629028                           O            11/01/31
    0

    7171700          405/405             F          349,000.00         ZZ
                                         360        348,206.80          1
                                       6.875          2,292.68         68
                                       6.375          2,292.68
    SANTA ROSA       CA   95404          5            11/05/01         00
    0012639563                           05           01/01/02          0
    0012639563                           O            12/01/31
    0

    7171702          405/405             F          308,000.00         ZZ
                                         360        307,481.00          1
                                       6.875          2,023.34         80
                                       6.375          2,023.34
    CARMICHAEL       CA   95608          1            10/21/01         00
    0012664215                           05           12/01/01          0
    0012664215                           O            11/01/31
    0

    7171704          405/405             F          431,500.00         ZZ
                                         360        431,128.49          1
                                       6.750          2,798.70         54
                                       6.250          2,798.70
    DENVER           CO   80246          2            11/28/01         00
    0012665782                           05           01/01/02          0
    0012665782                           O            12/01/31
    0

    7171706          405/405             F          400,000.00         ZZ
                                         360        399,655.61          1
                                       6.750          2,594.39         67
                                       6.250          2,594.39
    LOVELAND         CO   80537          2            11/27/01         00
    0012672556                           05           01/01/02          0
    0012672556                           O            12/01/31
    0
1

    7171708          405/405             F          370,000.00         ZZ
                                         360        369,673.56          1
                                       6.625          2,369.15         71
                                       6.250          2,369.15
    CINCINNATI       OH   45227          2            11/30/01         00
    0012692612                           05           01/01/02          0
    0012692612                           O            12/01/31
    0

    7171710          405/405             F          356,560.00         ZZ
                                         360        356,560.00          1
                                       6.750          2,312.65         80
                                       6.250          2,312.65
    ALBUQUERQUE      NM   87111          2            12/04/01         00
    0012713830                           03           02/01/02          0
    0012713830                           O            01/01/32
    0

    7171712          405/405             F          472,000.00         ZZ
                                         360        472,000.00          1
                                       6.875          3,100.71         80
                                       6.375          3,100.71
    PETALUMA         CA   94954          2            12/11/01         00
    0017721606                           05           02/01/02          0
    0017721606                           O            01/01/32
    0

    7171714          405/405             F          364,000.00         ZZ
                                         360        364,000.00          1
                                       6.875          2,391.22         71
                                       6.375          2,391.22
    CALABASAS        CA   91302          1            12/03/01         00
    0017824665                           01           02/01/02          0
    0017824665                           O            01/01/32
    0

    7171716          405/405             F          430,000.00         ZZ
                                         360        430,000.00          1
                                       6.875          2,824.80         41
                                       6.375          2,824.80
    LOS ANGELES      CA   90034          2            12/12/01         00
    0017827759                           05           02/01/02          0
    0017827759                           O            01/01/32
    0

    7171718          405/405             F          305,000.00         ZZ
                                         360        305,000.00          1
1

                                       6.750          1,978.23         79
                                       6.250          1,978.23
    BOWIE            MD   20716          2            12/10/01         00
    0017856402                           05           02/01/02          0
    0017856402                           O            01/01/32
    0

    7171720          405/405             F          385,000.00         ZZ
                                         360        385,000.00          1
                                       6.750          2,497.11         42
                                       6.250          2,497.11
    POTOMAC          MD   20854          2            12/07/01         00
    0017856410                           05           02/01/02          0
    0017856410                           O            01/01/32
    0

    7171722          405/405             F          530,000.00         ZZ
                                         360        530,000.00          1
                                       6.750          3,437.57         67
                                       6.250          3,437.57
    ENCINITAS        CA   92024          5            12/06/01         00
    0017861022                           05           02/01/02          0
    0017861022                           O            01/01/32
    0

    7171724          405/405             F          414,000.00         ZZ
                                         360        414,000.00          1
                                       7.000          2,754.36         69
                                       6.500          2,754.36
    LAFAYETTE        CA   94549          2            12/12/01         00
    0017861139                           05           02/01/02          0
    0017861139                           O            01/01/32
    0

    7171726          405/405             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.750          3,113.28         80
                                       6.250          3,113.28
    BETHESDA         MD   20814          2            12/07/01         00
    0017863838                           05           02/01/02          0
    0017863838                           O            01/01/32
    0

    7171730          405/405             F          328,500.00         ZZ
                                         360        328,500.00          1
                                       7.000          2,185.52         90
                                       6.500          2,185.52
    TEMECULA         CA   92591          2            12/13/01         04
    0017872185                           03           02/01/02         30
1

    0017872185                           O            01/01/32
    0

    7171732          405/405             F          890,000.00         ZZ
                                         360        890,000.00          1
                                       6.875          5,846.67         65
                                       6.375          5,846.67
    HOLLYWOOD        FL   33019          2            12/10/01         00
    0017885716                           05           02/01/02          0
    0017885716                           O            01/01/32
    0

    7171734          405/405             F          596,000.00         ZZ
                                         360        596,000.00          1
                                       7.000          3,965.21         59
                                       6.500          3,965.21
    SAN JOSE         CA   95135          2            12/12/01         00
    0017911447                           05           02/01/02          0
    0017911447                           O            01/01/32
    0

    7171736          405/405             F          350,000.00         ZZ
                                         360        350,000.00          1
                                       6.875          2,299.25         78
                                       6.375          2,299.25
    LIBERTYVILLE     IL   60048          5            12/12/01         00
    0017914615                           05           02/01/02          0
    0017914615                           O            01/01/32
    0

    7171738          405/405             F          555,000.00         ZZ
                                         360        555,000.00          1
                                       6.875          3,645.96         63
                                       6.375          3,645.96
    PLEASANTON       CA   94566          5            12/12/01         00
    0017934563                           05           02/01/02          0
    0017934563                           O            01/01/32
    0

    7171740          405/405             F          336,000.00         ZZ
                                         360        336,000.00          1
                                       6.875          2,207.28         80
                                       6.375          2,207.28
    DULUTH           GA   30097          5            12/17/01         00
    0017934845                           05           02/01/02          0
    0017934845                           O            01/01/32
    0

1

    7171742          405/405             F          650,000.00         ZZ
                                         360        650,000.00          1
                                       7.125          4,379.18         69
                                       6.625          4,379.18
    LOS ANGELES      CA   90292          2            12/07/01         00
    0017938150                           01           02/01/02          0
    0017938150                           O            01/01/32
    0

    7171744          405/405             F          398,100.00         ZZ
                                         360        398,100.00          1
                                       6.875          2,615.24         80
                                       6.375          2,615.24
    DAVIDSONVILLE    MD   21035          2            12/13/01         00
    0017950908                           05           02/01/02          0
    0017950908                           O            01/01/32
    0

    7171746          405/405             F          540,000.00         ZZ
                                         360        540,000.00          1
                                       7.000          3,592.64         57
                                       6.500          3,592.64
    LOS ANGELES      CA   91316          2            12/06/01         00
    0017954223                           05           02/01/02          0
    0017954223                           O            01/01/32
    0

    7171748          405/405             F          440,800.00         ZZ
                                         360        440,800.00          1
                                       6.625          2,822.49         51
                                       6.250          2,822.49
    SANTA CRUZ       CA   95060          2            12/13/01         00
    0017957382                           05           02/01/02          0
    0017957382                           O            01/01/32
    0

    7171750          405/405             F          502,500.00         ZZ
                                         360        502,500.00          1
                                       6.875          3,301.07         67
                                       6.375          3,301.07
    TORRANCE         CA   90505          2            12/07/01         00
    0017958729                           05           02/01/02          0
    0017958729                           O            01/01/32
    0

    7171752          405/405             F          351,500.00         T
                                         360        351,500.00          1
                                       7.250          2,397.85         80
                                       6.750          2,397.85
1

    SAN FRANCISCO    CA   94122          2            12/12/01         00
    0017963851                           05           02/01/02          0
    0017963851                           O            01/01/32
    0

    7171754          405/405             F          635,000.00         ZZ
                                         360        635,000.00          1
                                       7.125          4,278.12         77
                                       6.625          4,278.12
    BEVERLY HILLS    CA   90211          2            12/13/01         00
    0017964479                           05           02/01/02          0
    0017964479                           O            01/01/32
    0

    7171756          405/405             F          325,000.00         ZZ
                                         360        325,000.00          1
                                       6.750          2,107.95         57
                                       6.250          2,107.95
    LOS ANGELES      CA   91364          2            12/11/01         00
    0017969544                           05           02/01/02          0
    0017969544                           O            01/01/32
    0

    7171758          405/405             F          453,000.00         ZZ
                                         360        453,000.00          1
                                       6.875          2,975.89         75
                                       6.375          2,975.89
    PROSPECT         KY   40059          2            12/18/01         00
    0017972159                           05           02/01/02          0
    0017972159                           O            01/01/32
    0

    7171760          405/405             F          365,000.00         ZZ
                                         360        365,000.00          1
                                       6.875          2,397.79         70
                                       6.375          2,397.79
    SAN FRANCISCO    CA   94105          1            12/06/01         00
    0017972357                           01           02/01/02          0
    0017972357                           O            01/01/32
    0

    7171762          405/405             F          340,000.00         ZZ
                                         360        339,714.36          1
                                       6.875          2,233.56         74
                                       6.375          2,233.56
    LAKE SAINT LOUI  MO   63367          5            12/05/01         00
    0017974924                           03           01/01/02          0
    0017974924                           O            12/01/31
    0
1

    7171764          405/405             F          410,000.00         ZZ
                                         360        410,000.00          1
                                       6.750          2,659.26         63
                                       6.250          2,659.26
    AMELIA ISLAND    FL   32034          5            12/12/01         00
    0017976937                           03           02/01/02          0
    0017976937                           O            01/01/32
    0

    7171766          405/405             F          315,000.00         ZZ
                                         360        315,000.00          1
                                       6.750          2,043.09         78
                                       6.250          2,043.09
    BUENA PARK       CA   90621          2            12/06/01         00
    0017978693                           05           02/01/02          0
    0017978693                           O            01/01/32
    0

    7171768          405/405             F          329,600.00         ZZ
                                         360        329,600.00          1
                                       6.625          2,110.47         80
                                       6.250          2,110.47
    SAN CLEMENTE     CA   92673          1            12/13/01         00
    0017981382                           03           02/01/02          0
    0017981382                           O            01/01/32
    0

    7171772          405/405             F          395,000.00         ZZ
                                         360        395,000.00          1
                                       6.625          2,529.23         51
                                       6.250          2,529.23
    MALIBU           CA   90265          2            12/18/01         00
    0017985342                           03           02/01/02          0
    0017985342                           O            01/01/32
    0

    7171774          405/405             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.875          2,627.72         80
                                       6.375          2,627.72
    CARLSBAD         CA   92009          2            12/06/01         00
    0017985581                           03           02/01/02          0
    0017985581                           O            01/01/32
    0

    7171776          405/405             F          324,000.00         ZZ
                                         360        324,000.00          1
1

                                       7.000          2,155.58         63
                                       6.500          2,155.58
    SAN DIEGO        CA   92107          2            12/10/01         00
    0017992694                           05           02/01/02          0
    0017992694                           O            01/01/32
    0

    7171784          405/405             F          330,000.00         ZZ
                                         360        330,000.00          1
                                       7.000          2,195.50         62
                                       6.500          2,195.50
    MORGAN HILL      CA   95037          1            12/11/01         00
    0018031260                           05           02/01/02          0
    0018031260                           O            01/01/32
    0

    7171788          405/405             F          382,000.00         ZZ
                                         360        382,000.00          1
                                       6.875          2,509.47         90
                                       6.375          2,509.47
    SAN FRANCISCO    CA   94116          1            12/06/01         04
    0018037184                           05           02/01/02         25
    0018037184                           O            01/01/32
    0

    7171790          405/405             F          420,000.00         ZZ
                                         360        420,000.00          1
                                       6.875          2,759.10         80
                                       6.375          2,759.10
    SAN JOSE         CA   95118          1            12/07/01         00
    0018045864                           05           02/01/02          0
    0018045864                           O            01/01/32
    0

    7171794          405/405             F          429,000.00         ZZ
                                         360        429,000.00          1
                                       7.375          2,963.00         71
                                       6.875          2,963.00
    THOUSAND OAKS    CA   91320          1            12/06/01         00
    0018060590                           03           02/01/02          0
    0018060590                           O            01/01/32
    0

    7171796          405/405             F          390,000.00         ZZ
                                         360        390,000.00          1
                                       6.875          2,562.03         75
                                       6.375          2,562.03
    ALISO VIEJO      CA   92656          1            12/13/01         00
    0018090605                           03           02/01/02          0
1

    0018090605                           O            01/01/32
    0

    7171798          405/405             F          396,200.00         ZZ
                                         360        396,200.00          1
                                       6.750          2,569.75         80
                                       6.250          2,569.75
    PACIFICA         CA   94044          1            12/14/01         00
    0018093187                           01           02/01/02          0
    0018093187                           O            01/01/32
    0

    7171800          405/405             F          408,000.00         ZZ
                                         360        408,000.00          1
                                       7.000          2,714.44         80
                                       6.500          2,714.44
    SAN RAFAEL       CA   94901          1            12/18/01         00
    0018093294                           05           02/01/02          0
    0018093294                           O            01/01/32
    0

    7171802          405/405             F          412,000.00         ZZ
                                         360        412,000.00          1
                                       7.000          2,741.05         80
                                       6.500          2,741.05
    SAN MARINO       CA   91108          1            12/17/01         00
    0018099077                           05           02/01/02          0
    0018099077                           O            01/01/32
    0

    7171806          405/405             F          595,000.00         ZZ
                                         360        595,000.00          1
                                       6.750          3,859.16         30
                                       6.250          3,859.16
    TIBURON          CA   94920          2            12/14/01         00
    0019611995                           03           02/01/02          0
    0019611995                           O            01/01/32
    0

    7171808          405/405             F          412,000.00         ZZ
                                         360        411,653.87          1
                                       6.875          2,706.55         66
                                       6.375          2,706.55
    HAYWARD          CA   94544          2            11/15/01         00
    0019925197                           03           01/01/02          0
    0019925197                           O            12/01/31
    0

1

    7171810          405/405             F          341,000.00         ZZ
                                         360        341,000.00          1
                                       6.875          2,240.13         51
                                       6.375          2,240.13
    NEWPORT COAST    CA   92657          2            11/30/01         00
    0019946920                           05           02/01/02          0
    0019946920                           O            01/01/32
    0

    7171814          405/405             F          370,000.00         ZZ
                                         360        370,000.00          1
                                       6.875          2,430.64         65
                                       6.375          2,430.64
    SAN CLEMENTE     CA   92672          5            12/05/01         00
    0019957646                           05           02/01/02          0
    0019957646                           O            01/01/32
    0

    7171816          405/405             F          386,000.00         ZZ
                                         360        386,000.00          1
                                       6.625          2,471.60         46
                                       6.250          2,471.60
    SAN FRANCISCO    CA   94114          2            11/30/01         00
    0019962745                           01           02/01/02          0
    0019962745                           O            01/01/32
    0

    7171818          405/405             F          473,000.00         ZZ
                                         360        473,000.00          1
                                       6.750          3,067.87         56
                                       6.250          3,067.87
    STUDIO CITY      CA   91604          2            11/30/01         00
    0019964493                           05           02/01/02          0
    0019964493                           O            01/01/32
    0

    7171822          405/405             F          576,000.00         ZZ
                                         360        576,000.00          1
                                       6.875          3,783.91         47
                                       6.375          3,783.91
    PALOS VERDES ES  CA   90274          2            12/04/01         00
    0019965334                           05           02/01/02          0
    0019965334                           O            01/01/32
    0

    7171824          405/405             F          360,000.00         ZZ
                                         360        360,000.00          1
                                       6.750          2,334.96         67
                                       6.250          2,334.96
1

    LAKE FOREST      CA   92630          5            12/01/01         00
    0019967280                           03           02/01/02          0
    0019967280                           O            01/01/32
    0

    7171826          405/405             F          419,000.00         ZZ
                                         360        419,000.00          1
                                       6.625          2,682.91         35
                                       6.250          2,682.91
    LOS ALTOS        CA   94024          2            12/12/01         00
    0019970144                           05           02/01/02          0
    0019970144                           O            01/01/32
    0

    7171828          405/405             F          392,000.00         ZZ
                                         360        392,000.00          1
                                       6.625          2,510.02         73
                                       6.250          2,510.02
    ENCINO           CA   91436          5            12/06/01         00
    0019970268                           05           02/01/02          0
    0019970268                           O            01/01/32
    0

    7178570          W70/W70             F          400,000.00         ZZ
                                         360        400,000.00          1
                                       6.875          2,627.71         63
                                       6.625          2,627.71
    GLENVIEW         IL   60025          1            12/12/01         00
    501003045                            05           02/01/02          0
    501003045                            O            01/01/32
    0

    7178602          E82/G01             F          322,100.00         ZZ
                                         360        322,100.00          1
                                       7.000          2,142.94         83
                                       6.750          2,142.94
    NOME             TX   77629          2            12/28/01         04
    0400501748                           05           02/01/02         12
    7178602                              O            01/01/32
    0

    7178622          E82/G01             F          500,000.00         ZZ
                                         360        500,000.00          1
                                       6.875          3,284.64         80
                                       6.625          3,284.64
    BOCA RATON       FL   33432          2            12/28/01         00
    0400526901                           05           02/01/02          0
    0400526901                           O            01/01/32
    0
1

    7178624          E82/G01             F          315,000.00         ZZ
                                         360        315,000.00          1
                                       7.375          2,175.63         79
                                       7.125          2,175.63
    LODI             CA   95240          2            12/27/01         00
    0400518155                           05           02/01/02          0
    1743541                              O            01/01/32
    0

    7178630          E82/G01             F          514,900.00         ZZ
                                         360        514,900.00          1
                                       7.000          3,425.64         79
                                       6.750          3,425.64
    LADERA RANCH     CA   92694          2            12/28/01         00
    0400529699                           03           02/01/02          0
    0400529699                           O            01/01/32
    0

    7180046          736/G01             F          351,700.00         ZZ
                                         360        351,397.19          1
                                       6.750          2,281.12         53
                                       6.500          2,281.12
    SAN JOSE         CA   95120          2            11/26/01         00
    0433502168                           05           01/01/02          0
    104981691                            O            12/01/31
    0

    7180050          736/G01             F          310,000.00         ZZ
                                         360        309,733.09          1
                                       6.750          2,010.66         49
                                       6.500          2,010.66
    LOS ANGELES      CA   90066          2            11/19/01         00
    0433501756                           05           01/01/02          0
    104982765                            O            12/01/31
    0

    7180052          736/G01             F          509,500.00         ZZ
                                         360        508,695.54          1
                                       6.500          3,220.39         71
                                       6.250          3,220.39
    PORTLAND         OR   97201          2            11/29/01         00
    0433521564                           05           01/01/02          0
    0105034144                           O            12/01/31
    0

    7180054          736/G01             F          405,000.00         ZZ
                                         360        404,659.74          1
1

                                       6.875          2,660.57         60
                                       6.625          2,660.57
    CALABASAS        CA   91302          5            11/16/01         00
    0433544178                           05           01/01/02          0
    104631395                            O            12/01/31
    0

    7180060          736/G01             F          355,200.00         ZZ
                                         360        354,797.36          1
                                       6.250          2,187.03         80
                                       6.000          2,187.03
    HARVARD          MA   01451          1            11/30/01         00
    0433505492                           05           01/01/02          0
    104902150                            O            12/01/31
    0

    7180062          736/G01             F          390,000.00         ZZ
                                         360        389,688.12          1
                                       7.125          2,627.51         57
                                       6.875          2,627.51
    DANVILLE         CA   94526          5            11/29/01         00
    0433541448                           05           01/01/02          0
    0105001507                           O            12/01/31
    0

    7180064          736/G01             F          470,000.00         ZZ
                                         360        469,595.33          1
                                       6.750          3,048.42         41
                                       6.500          3,048.42
    PENN VALLEY      CA   95946          5            11/26/01         00
    0433540101                           03           01/01/02          0
    104707583                            O            12/01/31
    0

    7180066          736/G01             F          456,500.00         ZZ
                                         360        456,125.81          1
                                       7.000          3,037.11         66
                                       6.750          3,037.11
    SCOTTS VALLEY    CA   95066          2            11/20/01         00
    0433541414                           05           01/01/02          0
    104846746                            O            12/01/31
    0

    7180068          736/G01             F          450,000.00         ZZ
                                         360        449,593.19          1
                                       6.500          2,844.31         53
                                       6.250          2,844.31
    SAN JOSE         CA   95138          2            11/16/01         00
    0433540093                           05           01/01/02          0
1

    104490602                            O            12/01/31
    0

    7180070          736/G01             F          594,900.00         ZZ
                                         360        594,362.20          1
                                       6.500          3,760.18         72
                                       6.250          3,760.18
    SAN FRANCISCO    CA   94127          2            11/14/01         00
    0433541513                           05           01/01/02          0
    0104724117                           O            12/01/31
    0

    7180086          736/G01             F          400,000.00         ZZ
                                         360        399,647.08          1
                                       6.625          2,561.25         73
                                       6.375          2,561.25
    BERKELEY         CA   94708          5            11/30/01         00
    0433512811                           05           01/01/02          0
    0104904297                           O            12/01/31
    0

    7180090          736/G01             F          403,500.00         ZZ
                                         360        403,144.00          1
                                       6.625          2,583.66         79
                                       6.375          2,583.66
    SAN CARLOS       CA   94070          1            11/29/01         00
    0433540226                           05           01/01/02          0
    104968342                            O            12/01/31
    0

    7180092          736/G01             F          425,000.00         ZZ
                                         360        424,434.08          1
                                       6.750          2,756.55         72
                                       6.500          2,756.55
    PHOENIX          AZ   85013          1            11/21/01         00
    0433505351                           05           01/01/02          0
    104896311                            O            12/01/31
    0

    7180094          736/G01             F          427,000.00         ZZ
                                         360        426,623.27          1
                                       6.625          2,734.13         73
                                       6.375          2,734.13
    MARIETTA         GA   30068          2            11/19/01         00
    0433518958                           03           01/01/02          0
    104559547                            O            12/01/31
    0

1

    7180096          736/G01             F          370,000.00         ZZ
                                         360        369,689.15          1
                                       6.875          2,430.64         61
                                       6.625          2,430.64
    MORGAN HILL      CA   95037          5            11/19/01         00
    0433540002                           05           01/01/02          0
    0104941190                           O            12/01/31
    0

    7180100          736/G01             F          387,000.00         ZZ
                                         360        386,158.55          1
                                       6.625          2,478.01         62
                                       6.375          2,478.01
    PARADISE VALLEY  AZ   85253          2            11/27/01         00
    0433539053                           05           01/01/02          0
    0104984265                           O            12/01/31
    0

    7180104          736/G01             F          600,000.00         ZZ
                                         360        599,457.59          1
                                       6.500          3,792.41         69
                                       6.250          3,792.41
    SAN RAFAEL       CA   94901          2            11/20/01         00
    0433521010                           05           01/01/02          0
    0104973177                           O            12/01/31
    0

    7180110          736/G01             F          472,050.00         ZZ
                                         360        471,633.52          1
                                       6.625          3,022.59         80
                                       6.375          3,022.59
    DUBLIN           CA   94568          1            11/29/01         00
    0433515590                           03           01/01/02          0
    0104971080                           O            12/01/31
    0

    7180114          736/G01             F          525,000.00         ZZ
                                         360        524,569.66          1
                                       7.000          3,492.84         62
                                       6.750          3,492.84
    SAN CARLOS       CA   94070          2            11/15/01         00
    0433516895                           05           01/01/02          0
    104757794                            O            12/01/31
    0

    7180120          736/G01             F          375,000.00         ZZ
                                         360        375,000.00          1
                                       7.000          2,494.89         49
                                       6.750          2,494.89
1

    DANVILLE         CA   94506          2            11/27/01         00
    0433515558                           03           02/01/02          0
    0105037394                           O            01/01/32
    0

    7180122          736/G01             F          425,000.00         ZZ
                                         360        424,651.63          1
                                       7.000          2,827.54         79
                                       6.750          2,827.54
    SEATTLE          WA   98112          2            11/28/01         00
    0433541505                           05           01/01/02          0
    105045884                            O            12/01/31
    0

    7180128          736/G01             F          356,000.00         ZZ
                                         360        356,000.00          1
                                       6.625          2,279.51         80
                                       6.375          2,279.51
    REDONDO BEACH    CA   90277          1            12/03/01         00
    0433539749                           05           02/01/02          0
    0105037543                           O            01/01/32
    0

    7180144          736/G01             F          339,500.00         ZZ
                                         360        339,207.69          1
                                       6.750          2,202.00         56
                                       6.500          2,202.00
    SCOTTSDALE       AZ   85259          2            11/15/01         00
    0433514452                           03           01/01/02          0
    104875778                            O            12/01/31
    0

    7180146          736/G01             F          500,000.00         ZZ
                                         360        499,558.86          1
                                       6.625          3,201.56         56
                                       6.375          3,201.56
    FREMONT          CA   94539          2            11/19/01         00
    0433515624                           05           01/01/02          0
    0104919865                           O            12/01/31
    0

    7180156          736/G01             F          320,000.00         ZZ
                                         360        319,717.66          1
                                       6.625          2,049.00         80
                                       6.375          2,049.00
    SALINAS          CA   93907          1            11/16/01         00
    0433503919                           05           01/01/02          0
    0104886395                           O            12/01/31
    0
1

    7180170          736/G01             F          310,000.00         ZZ
                                         360        309,739.56          1
                                       6.875          2,036.48         69
                                       6.625          2,036.48
    SAN CLEMENTE     CA   92673          2            11/27/01         00
    0433539491                           03           01/01/02          0
    104785639                            O            12/01/31
    0

    7180176          736/G01             F          520,000.00         ZZ
                                         360        519,529.91          1
                                       6.500          3,286.76         58
                                       6.250          3,286.76
    RALEIGH          NC   27609          1            11/15/01         00
    0433522042                           05           01/01/02          0
    0104843461                           O            12/01/31
    0

    7180178          736/G01             F          350,600.00         ZZ
                                         360        346,569.21          1
                                       6.375          2,187.29         59
                                       6.125          2,187.29
    CUMMING          GA   30041          2            11/15/01         00
    0433518214                           05           01/01/02          0
    0104902978                           O            12/01/31
    0

    7180182          736/G01             F          900,000.00         ZZ
                                         360        899,186.38          1
                                       6.500          5,688.62         70
                                       6.250          5,688.62
    LOS ANGELES      CA   91423          2            12/19/01         00
    0433527884                           05           01/01/02          0
    0104897749                           O            12/01/31
    0

    7180184          736/G01             F          410,000.00         ZZ
                                         360        409,629.35          1
                                       6.500          2,591.48         28
                                       6.250          2,591.48
    NEWPORT BEACH    CA   92625          5            11/27/01         00
    0433528858                           05           01/01/02          0
    0104526504                           O            12/01/31
    0

    7180190          736/G01             F          549,000.00         ZZ
                                         360        548,515.63          1
1

                                       6.625          3,515.31         69
                                       6.375          3,515.31
    PALOS VERDES ES  CA   90274          2            11/28/01         00
    0433540150                           05           01/01/02          0
    0104906334                           O            12/01/31
    0

    7202018          E22/G01             F          376,000.00         ZZ
                                         360        376,000.00          1
                                       6.875          2,470.05         77
                                       6.625          2,470.05
    LITTLETON        CO   80126          2            12/26/01         00
    0413414723                           03           02/01/02          0
    0413414723                           O            01/01/32
    0

    7209844          736/G01             F          448,000.00         ZZ
                                         360        447,574.91          1
                                       6.250          2,758.42         62
                                       6.000          2,758.42
    MONTVALE         NJ   07645          2            11/26/01         00
    0433539558                           05           01/01/02          0
    103372256                            O            12/01/31
    0

    7215100          696/G01             F          480,000.00         ZZ
                                         360        480,000.00          1
                                       6.875          3,153.26         80
                                       6.625          3,153.26
    FORT WASHINGTON  MD   20744          2            12/27/01         00
    0433521069                           05           02/01/02          0
    30301195                             O            01/01/32
    0

    7222542          E22/G01             F          489,300.00         ZZ
                                         360        489,300.00          1
                                       7.000          3,255.33         70
                                       6.750          3,255.33
    SAN DIEGO        CA   92109          1            12/27/01         00
    0413418179                           05           02/01/02          0
    0413418179                           O            01/01/32
    0

    7223300          168/168             F          350,000.00         ZZ
                                         360        349,720.12          1
                                       7.125          2,358.01         64
                                       6.875          2,358.01
    WEST COVINA      CA   91791          2            11/20/01         00
    0069357234                           05           01/01/02          0
1

    0069357234                           O            12/01/31
    0

    7223798          736/G01             F          438,000.00         ZZ
                                         360        437,613.55          1
                                       6.625          2,804.57         78
                                       6.375          2,804.57
    EDMUNDS          WA   98026          2            11/30/01         00
    0433507183                           05           01/01/02          0
    104928619                            O            12/01/31
    0

    7224762          736/G01             F          400,000.00         ZZ
                                         360        399,663.95          1
                                       6.875          2,627.72         45
                                       6.625          2,627.72
    SAN RAFAEL       CA   94901          5            11/15/01         00
    0433516846                           05           01/01/02          0
    104871892                            O            12/01/31
    0

    7232294          736/G01             F          340,800.00         ZZ
                                         360        340,491.91          1
                                       6.500          2,154.09         80
                                       6.250          2,154.09
    VIENNA           VA   22182          1            11/28/01         00
    0433519238                           05           01/01/02          0
    104947692                            O            12/01/31
    0

    7233838          736/G01             F          400,000.00         ZZ
                                         360        399,655.60          1
                                       6.750          2,594.40         80
                                       6.500          2,594.40
    SAN DIEGO        CA   92129          2            11/28/01         00
    0433513520                           05           01/01/02          0
    105036693                            O            12/01/31
    0

    7236854          736/G01             F          390,000.00         ZZ
                                         360        389,664.21          1
                                       6.750          2,529.54         75
                                       6.500          2,529.54
    THOUSAND OAKS    CA   91361          5            11/26/01         00
    0433527132                           05           01/01/02          0
    104910476                            O            12/01/31
    0

1

    7246218          736/G01             F          275,000.00         ZZ
                                         360        274,790.74          1
                                       7.375          1,899.36         73
                                       7.125          1,899.36
    THOUSAND OAKS    CA   91360          1            11/29/01         00
    0433516879                           05           01/01/02          0
    0104878210                           O            12/01/31
    0

    7248024          W56/W56             F          300,000.00         ZZ
                                         360        300,000.00          1
                                       6.875          1,970.79         30
                                       6.625          1,970.79
    PALM BEACH GARD  FL   33410          5            12/06/01         00
    0400528147                           03           02/01/02          0
    0400528147                           O            01/01/32
    0

    7254272          168/168             F          565,000.00         ZZ
                                         360        564,115.82          3
                                       7.250          3,854.30         51
                                       7.000          3,854.30
    SAN FRANCISCO    CA   94117          5            10/24/01         00
    0069345155                           05           12/01/01          0
    0069345155                           O            11/01/31
    0

    7255290          168/168             F          348,000.00         ZZ
                                         360        347,403.20          1
                                       7.250          2,373.97         70
                                       7.000          2,373.97
    CLARKSTON        MI   48346          5            10/26/01         00
    0059965037                           05           12/01/01          0
    0059965037                           O            11/01/31
    0

    7258394          168/168             F          326,000.00         ZZ
                                         360        325,477.07          1
                                       7.125          2,196.32         70
                                       6.875          2,196.32
    PASADENA         CA   91107          2            10/24/01         00
    0069300496                           05           12/01/01          0
    0069300496                           O            11/01/31
    0
1

   TOTAL NUMBER OF LOANS   :      2,228

   TOTAL ORIGINAL BALANCE  :   927,993,590.33

   TOTAL PRINCIPAL BALANCE :   927,114,658.02

   TOTAL ORIGINAL P+I      :     6,061,210.94

   TOTAL CURRENT P+I       :     6,061,210.94

                             ***************************
                             *      END OF REPORT      *
                             ***************************

<PAGE>

                                   EXHIBIT TWO
                         SCHEDULE OF DISCOUNT FRACTIONS
                            (Available Upon Request)

<TABLE>
<CAPTION>

                         SCHEDULE OF DISCOUNT FRACTIONS

      LOAN NUMBER         CURRENT BALANCE        NET MORTGAGE RATE       DISCOUNT FRACTION      PO BALANCE
<S>     <C>                 <C>                       <C>                     <C>                <C>
        6037768             $316,661.24               5.845%                  2.5833%            $8,180.42
        6089304             $422,666.95               5.845%                  2.5833%           $10,918.90
        6155344             $631,866.02               5.970%                  0.5000%            $3,159.33
        6168358             $355,011.22               5.720%                  4.6667%           $16,567.19
        6227376             $445,000.00               5.970%                  0.5000%            $2,225.00
        6248332             $594,093.12               5.970%                  0.5000%            $2,970.47
        6256996             $449,481.98               5.970%                  0.5000%            $2,247.41
        6258088             $388,388.31               5.970%                  0.5000%            $1,941.94
        6287548             $428,552.66               5.970%                  0.5000%            $2,142.76
        6295494             $498,280.72               5.720%                  4.6667%           $23,253.10
        6304982             $597,892.54               5.470%                  8.8333%           $52,813.84
        6316790             $592,932.16               5.595%                  6.7500%           $40,022.92
        6330730             $290,768.00               5.970%                  0.5000%            $1,453.84
        6333822             $410,598.35               5.845%                  2.5833%           $10,607.12
        6338342             $355,785.46               5.845%                  2.5833%            $9,191.12
        6368598             $426,061.07               5.970%                  0.5000%            $2,130.31
        6379694             $497,302.36               5.845%                  2.5833%           $12,846.98
        6419834             $961,751.91               5.970%                  0.5000%            $4,808.76
        6452346             $306,763.97               5.970%                  0.5000%            $1,533.82
        6478450             $356,768.99               5.720%                  4.6667%           $16,649.22
        6484076             $444,997.12               5.970%                  0.5000%            $2,224.99
        6499640             $413,588.14               5.845%                  2.5833%           $10,684.36
        6504210             $492,835.56               5.970%                  0.5000%            $2,464.18
        6527740             $378,706.50               5.970%                  0.5000%            $1,893.53
        6534468             $342,343.81               5.970%                  0.5000%            $1,711.72
        6549944             $896,905.29               5.720%                  4.6667%           $41,855.58
        6552278             $373,737.78               5.970%                  0.5000%            $1,868.69
        6556594             $558,343.98               5.845%                  2.5833%           $14,423.89
        6557348             $406,128.40               5.970%                  0.5000%            $2,030.64
        6558082             $365,239.76               5.720%                  4.6667%           $17,044.52
        6558252             $340,848.86               5.970%                  0.5000%            $1,704.24
        6568184             $398,553.98               5.970%                  0.5000%            $1,992.77
        6588054             $562,101.64               5.970%                  0.5000%            $2,810.51
        6590224             $371,744.52               5.970%                  0.5000%            $1,858.72
        6598636             $398,539.51               5.845%                  2.5833%           $10,295.60
        6601602             $396,247.23               5.845%                  2.5833%           $10,236.39
        6612126             $361,000.00               5.970%                  0.5000%            $1,805.00
        6622332             $338,855.59               5.970%                  0.5000%            $1,694.28
        6624176             $334,900.00               5.845%                  2.5833%            $8,651.58
        6627424             $390,680.57               5.970%                  0.5000%            $1,953.40
        6640012             $418,584.33               5.970%                  0.5000%            $2,092.92
        6640470             $190,357.11               5.970%                  0.5000%             $951.79
        6640650             $373,737.78               5.970%                  0.5000%            $1,868.69
        6641016             $597,980.46               5.970%                  0.5000%            $2,989.90
        6651360             $362,100.00               5.845%                  2.5833%            $9,354.25
        6652692             $420,000.00               5.845%                  2.5833%           $10,850.00
        6656656             $420,000.00               5.970%                  0.5000%            $2,100.00
        6674384             $436,998.52               5.845%                  2.5833%           $11,289.13
        6676190             $418,586.32               5.970%                  0.5000%            $2,092.93
        6683566             $613,881.84               5.720%                  4.6667%           $28,647.82
        6683670             $342,817.13               5.720%                  4.6667%           $15,998.13
        6689420             $457,500.00               5.845%                  2.5833%           $11,818.75
        6690928             $432,529.22               5.845%                  2.5833%           $11,173.67

                                                                 PAGE 1 OF 5

<PAGE>

        6692118             $325,899.35               5.970%                  0.5000%            $1,629.50
        6701334             $768,376.99               5.845%                  2.5833%           $19,849.74
        6707282             $333,860.31               5.845%                  2.5833%            $8,624.72
        6715776             $385,000.00               5.970%                  0.5000%            $1,925.00
        6719930             $400,233.72               5.845%                  2.5833%           $10,339.37
        6732646             $427,171.77               5.845%                  2.5833%           $11,035.27
        6734264             $353,792.26               5.845%                  2.5833%            $9,139.63
        6736462             $650,000.00               5.845%                  2.5833%           $16,791.67
        6736860             $610,715.20               5.845%                  2.5833%           $15,776.81
        6738058             $294,200.00               5.970%                  0.5000%            $1,471.00
        6738306             $363,700.00               5.845%                  2.5833%            $9,395.58
        6740410             $424,196.12               5.845%                  2.5833%           $10,958.40
        6740718             $323,906.09               5.970%                  0.5000%            $1,619.53
        6742000             $308,922.64               5.595%                  6.7500%           $20,852.28
        6745948             $368,754.62               5.970%                  0.5000%            $1,843.77
        6749830             $568,073.20               5.920%                  1.3333%            $7,574.31
        6765650             $482,395.00               5.970%                  0.5000%            $2,411.98
        6770280             $996,634.10               5.970%                  0.5000%            $4,983.17
        6770894             $305,617.85               5.970%                  0.5000%            $1,528.09
        6775974             $540,000.00               5.970%                  0.5000%            $2,700.00
        6777540             $399,900.00               5.970%                  0.5000%            $1,999.50
        6788402             $322,897.73               5.845%                  2.5833%            $8,341.52
        6793406             $210,000.00               5.720%                  4.6667%            $9,800.00
        6793410             $310,000.00               5.970%                  0.5000%            $1,550.00
        6796788             $575,000.00               5.845%                  2.5833%           $14,854.17
        6802020             $149,000.00               5.970%                  0.5000%             $745.00
        6802026             $245,072.33               5.970%                  0.5000%            $1,225.36
        6826452             $348,427.06               5.970%                  0.5000%            $1,742.14
        6826468             $306,853.36               5.970%                  0.5000%            $1,534.27
        6826500             $584,011.30               5.970%                  0.5000%            $2,920.06
        6826516             $398,865.85               5.845%                  2.5833%           $10,304.03
        6826550             $569,038.75               5.720%                  4.6667%           $26,555.14
        6836290             $325,000.00               5.720%                  4.6667%           $15,166.67
        6836332             $444,482.67               5.845%                  2.5833%           $11,482.47
        6836442             $450,000.00               5.720%                  4.6667%           $21,000.00
        6836448             $490,000.00               5.970%                  0.5000%            $2,450.00
        6838384             $650,000.00               5.845%                  2.5833%           $16,791.67
        6842268             $370,000.00               5.970%                  0.5000%            $1,850.00
        6843730             $468,401.02               5.845%                  2.5833%           $12,100.36
        6844290             $465,394.18               5.720%                  4.6667%           $21,718.40
        6844802             $392,424.67               5.970%                  0.5000%            $1,962.12
        6846132             $323,407.76               5.970%                  0.5000%            $1,617.04
        6846910             $517,253.09               5.970%                  0.5000%            $2,586.27
        6847332             $394,125.50               5.595%                  6.7500%           $26,603.47
        6848402             $323,892.71               5.970%                  0.5000%            $1,619.46
        6848408             $302,886.04               5.845%                  2.5833%            $7,824.56
        6848498             $373,737.79               5.970%                  0.5000%            $1,868.69
        6855752             $410,000.00               5.970%                  0.5000%            $2,050.00
        6856714             $376,100.00               5.970%                  0.5000%            $1,880.50
        6856724             $289,200.00               5.970%                  0.5000%            $1,446.00
        6856760             $320,000.00               5.970%                  0.5000%            $1,600.00
        6856802             $394,667.10               5.970%                  0.5000%            $1,973.34
        6857824             $398,624.57               5.720%                  4.6667%           $18,602.48
        6858232             $312,444.78               5.970%                  0.5000%            $1,562.22
        6858338             $356,795.00               5.970%                  0.5000%            $1,783.98
        6858388             $398,653.63               5.970%                  0.5000%            $1,993.27
        6858532             $608,345.46               5.970%                  0.5000%            $3,041.73

                                                                  PAGE 2 OF 5

<PAGE>

        6859276             $431,542.56               5.970%                  0.5000%            $2,157.71
        6859670             $479,346.04               5.720%                  4.6667%           $22,369.48
        6861536             $399,995.00               5.970%                  0.5000%            $1,999.98
        6875372             $348,806.72               5.820%                  3.0000%           $10,464.20
        6879318             $420,000.00               5.845%                  2.5833%           $10,850.00
        6881542             $365,751.43               5.845%                  2.5833%            $9,448.58
        6891952             $304,000.00               5.970%                  0.5000%            $1,520.00
        6892112             $540,000.00               5.470%                  8.8333%           $47,700.00
        6893112             $458,451.68               5.970%                  0.5000%            $2,292.26
        6893134             $394,667.10               5.970%                  0.5000%            $1,973.34
        6893212             $372,387.12               5.595%                  6.7500%           $25,136.13
        6893242             $597,980.46               5.970%                  0.5000%            $2,989.90
        6893258             $378,416.41               5.470%                  8.8333%           $33,426.78
        6893332             $633,500.00               5.970%                  0.5000%            $3,167.50
        6902708             $650,000.00               5.970%                  0.5000%            $3,250.00
        6902830             $399,900.00               5.845%                  2.5833%           $10,330.75
        6902860             $885,000.00               5.720%                  4.6667%           $41,300.00
        6902898             $359,500.00               5.720%                  4.6667%           $16,776.67
        6902912             $391,000.00               5.970%                  0.5000%            $1,955.00
        6902966             $460,000.00               5.970%                  0.5000%            $2,300.00
        6903386             $264,850.00               5.970%                  0.5000%            $1,324.25
        6905602             $455,461.79               5.970%                  0.5000%            $2,277.31
        6906408             $352,000.00               5.970%                  0.5000%            $1,760.00
        6906780             $458,500.00               5.970%                  0.5000%            $2,292.50
        6907520             $346,828.67               5.970%                  0.5000%            $1,734.14
        6939524             $320,000.00               5.595%                  6.7500%           $21,600.00
        6943886             $329,387.57               5.970%                  0.5000%            $1,646.94
        6944654             $360,000.00               5.970%                  0.5000%            $1,800.00
        6944912             $690,000.00               5.845%                  2.5833%           $17,825.00
        6947168             $383,500.00               5.845%                  2.5833%            $9,907.08
        6947172             $340,000.00               5.970%                  0.5000%            $1,700.00
        6947522             $298,500.00               5.970%                  0.5000%            $1,492.50
        6947836             $590,007.38               5.970%                  0.5000%            $2,950.04
        6949316             $625,886.21               5.970%                  0.5000%            $3,129.43
        6949338             $323,906.08               5.970%                  0.5000%            $1,619.53
        6949406             $645,612.94               5.970%                  0.5000%            $3,228.06
        6949484             $398,653.63               5.970%                  0.5000%            $1,993.27
        6949522             $440,512.27               5.970%                  0.5000%            $2,202.56
        6949560             $488,350.70               5.970%                  0.5000%            $2,441.75
        6949598             $381,407.76               5.970%                  0.5000%            $1,907.04
        6949616             $402,067.87               5.970%                  0.5000%            $2,010.34
        6949662             $468,418.03               5.970%                  0.5000%            $2,342.09
        6968670             $550,000.00               5.970%                  0.5000%            $2,750.00
        6979316             $389,450.00               5.970%                  0.5000%            $1,947.25
        6979504             $172,200.00               5.970%                  0.5000%             $861.00
        6979600             $315,588.00               5.845%                  2.5833%            $8,152.69
        6980564             $340,000.00               5.845%                  2.5833%            $8,783.33
        6988982             $354,700.00               5.970%                  0.5000%            $1,773.50
        6988984             $285,000.00               5.970%                  0.5000%            $1,425.00
        6988986             $496,000.00               5.845%                  2.5833%           $12,813.33
        6990400             $457,650.00               5.970%                  0.5000%            $2,288.25
        6990484             $294,000.00               5.970%                  0.5000%            $1,470.00
        6990508             $307,500.00               5.845%                  2.5833%            $7,943.75
        6990554             $200,000.00               5.720%                  4.6667%            $9,333.33
        6990568             $518,000.00               5.720%                  4.6667%           $24,173.33
        7011028             $585,000.00               5.845%                  2.5833%           $15,112.50
        7011420             $264,500.00               5.845%                  2.5833%            $6,832.92

                                                                        PAGE 3 OF 5

<PAGE>

        7011422             $457,800.00               5.970%                  0.5000%            $2,289.00
        7011440             $351,000.00               5.970%                  0.5000%            $1,755.00
        7011458             $323,700.00               5.845%                  2.5833%            $8,362.25
        7035914             $747,475.58               5.970%                  0.5000%            $3,737.38
        7035928             $404,887.97               5.595%                  6.7500%           $27,329.94
        7035932             $346,828.67               5.970%                  0.5000%            $1,734.14
        7040504             $600,000.00               5.970%                  0.5000%            $3,000.00
        7043744             $365,000.00               5.845%                  2.5833%            $9,429.17
        7062322             $426,600.00               5.970%                  0.5000%            $2,133.00
        7062376             $328,600.00               5.970%                  0.5000%            $1,643.00
        7062680             $347,000.00               5.970%                  0.5000%            $1,735.00
        7062838             $190,000.00               5.970%                  0.5000%             $950.00
        7067810             $334,400.00               5.595%                  6.7500%           $22,572.00
        7078266             $389,655.52               5.720%                  4.6667%           $18,183.92
        7096890             $490,000.00               5.920%                  1.3333%            $6,533.33
        7109232             $330,700.00               5.970%                  0.5000%            $1,653.50
        7109242             $396,400.00               5.970%                  0.5000%            $1,982.00
        7111376             $455,000.00               5.720%                  4.6667%           $21,233.33
        7112704             $338,381.55               5.970%                  0.5000%            $1,691.91
        7112706             $464,464.81               5.970%                  0.5000%            $2,322.32
        7112708             $367,771.23               5.970%                  0.5000%            $1,838.86
        7112714             $342,878.87               5.970%                  0.5000%            $1,714.39
        7112716             $378,748.07               5.970%                  0.5000%            $1,893.74
        7112718             $412,428.23               5.970%                  0.5000%            $2,062.14
        7112720             $356,833.24               5.970%                  0.5000%            $1,784.17
        7112722             $600,000.00               5.970%                  0.5000%            $3,000.00
        7112726             $390,637.66               5.595%                  6.7500%           $26,368.04
        7112728             $491,340.61               5.970%                  0.5000%            $2,456.70
        7112732             $406,000.00               5.845%                  2.5833%           $10,488.33
        7112734             $330,000.00               5.970%                  0.5000%            $1,650.00
        7112736             $401,658.01               5.970%                  0.5000%            $2,008.29
        7112738             $545,000.00               5.970%                  0.5000%            $2,725.00
        7112742             $490,361.63               5.970%                  0.5000%            $2,451.81
        7112744             $403,000.00               5.970%                  0.5000%            $2,015.00
        7112748             $406,597.06               5.720%                  4.6667%           $18,974.53
        7112750             $327,927.75               5.970%                  0.5000%            $1,639.64
        7112752             $298,593.75               5.970%                  0.5000%            $1,492.97
        7112754             $463,468.10               5.970%                  0.5000%            $2,317.34
        7112756             $587,000.00               5.970%                  0.5000%            $2,935.00
        7112874             $372,495.86               5.970%                  0.5000%            $1,862.48
        7112876             $392,687.98               5.970%                  0.5000%            $1,963.44
        7112878             $448,485.35               5.970%                  0.5000%            $2,242.43
        7112880             $398,682.24               5.970%                  0.5000%            $1,993.41
        7112884             $647,735.82               5.970%                  0.5000%            $3,238.68
        7112886             $452,488.18               5.970%                  0.5000%            $2,262.44
        7112888             $647,735.82               5.970%                  0.5000%            $3,238.68
        7112898             $382,734.94               5.970%                  0.5000%            $1,913.67
        7112900             $647,835.50               5.970%                  0.5000%            $3,239.18
        7112902             $309,953.20               5.970%                  0.5000%            $1,549.77
        7112910             $310,000.00               5.970%                  0.5000%            $1,550.00
        7112912             $387,718.47               5.970%                  0.5000%            $1,938.59
        7112916             $338,864.23               5.970%                  0.5000%            $1,694.32
        7112918             $336,388.14               5.970%                  0.5000%            $1,681.94
        7112930             $578,089.24               5.970%                  0.5000%            $2,890.45
        7112932             $408,000.00               5.970%                  0.5000%            $2,040.00
        7112934             $598,023.35               5.970%                  0.5000%            $2,990.12
        7112936             $351,917.50               5.970%                  0.5000%            $1,759.59

                                                                        PAGE 4 OF 5

<PAGE>

        7112938             $538,000.00               5.970%                  0.5000%            $2,690.00
        7112940             $453,484.85               5.970%                  0.5000%            $2,267.42
        7112942             $639,307.62               5.970%                  0.5000%            $3,196.54
        7112944             $323,917.74               5.970%                  0.5000%            $1,619.59
        7112946            $1,000,000.00              5.970%                  0.5000%            $5,000.00
        7112948             $919,824.41               5.970%                  0.5000%            $4,599.12
        7112950             $540,000.00               5.970%                  0.5000%            $2,700.00
        7112952             $377,751.42               5.970%                  0.5000%            $1,888.76
        7112954             $345,844.49               5.970%                  0.5000%            $1,729.22
        7112956             $453,484.85               5.970%                  0.5000%            $2,267.42
        7112958             $539,500.00               5.970%                  0.5000%            $2,697.50
        7112960             $389,897.30               5.970%                  0.5000%            $1,949.49
        7112964             $531,244.08               5.970%                  0.5000%            $2,656.22
        7112966             $381,738.24               5.970%                  0.5000%            $1,908.69
        7112978             $650,000.00               5.970%                  0.5000%            $3,250.00
        7112980             $363,797.53               5.970%                  0.5000%            $1,818.99
        7112982             $418,601.39               5.970%                  0.5000%            $2,093.01
        7139398             $360,000.00               5.970%                  0.5000%            $1,800.00
        7144146             $430,000.00               5.970%                  0.5000%            $2,150.00
        7144150             $371,000.00               5.470%                  8.8333%           $32,771.67
        7144154             $395,000.00               5.970%                  0.5000%            $1,975.00
        7144158             $405,000.00               5.970%                  0.5000%            $2,025.00
        7144176             $495,000.00               5.970%                  0.5000%            $2,475.00
        7145218             $423,569.49               5.970%                  0.5000%            $2,117.85
        7148070             $480,000.00               5.720%                  4.6667%           $22,400.00
        7148086             $400,000.00               5.845%                  2.5833%           $10,333.33
        7148156             $428,000.00               5.720%                  4.6667%           $19,973.33
        7148158             $360,000.00               5.720%                  4.6667%           $16,800.00
        7148164             $649,000.00               5.970%                  0.5000%            $3,245.00
        7148168             $441,000.00               5.845%                  2.5833%           $11,392.50
        7170904             $333,992.02               5.970%                  0.5000%            $1,669.96
        7170920             $318,911.33               5.845%                  2.5833%            $8,238.54
        7170940             $448,469.06               5.845%                  2.5833%           $11,585.45
        7170968             $523,731.22               5.970%                  0.5000%            $2,618.66
        7170996             $385,284.75               5.845%                  2.5833%            $9,953.19
        7171016             $528,177.56               5.720%                  4.6667%           $24,648.29
        7171018             $358,788.28               5.970%                  0.5000%            $1,793.94
        7171020             $348,821.94               5.970%                  0.5000%            $1,744.11
        7171024             $408,619.99               5.970%                  0.5000%            $2,043.10
        7171032             $368,737.83               5.845%                  2.5833%            $9,525.73
        7171040             $476,971.08               5.970%                  0.5000%            $2,384.86
        7171042             $363,701.04               5.970%                  0.5000%            $1,818.51
        7171044             $323,894.32               5.845%                  2.5833%            $8,367.27
        7180072             $303,973.40               5.970%                  0.5000%            $1,519.87
        7180098             $244,175.35               5.970%                  0.5000%            $1,220.88
        7180108             $395,122.02               5.595%                  6.7500%           $26,670.74
        7216296             $417,116.00               5.970%                  0.5000%            $2,085.58
        7235068             $452,475.00               5.720%                  4.6667%           $21,115.50
        7245832             $425,362.76               5.970%                  0.5000%            $2,126.81
        7268726             $559,200.00               5.720%                  4.6667%           $26,096.00

                                                                  PAGE 5 OF 5
</TABLE>

<PAGE>

                                  EXHIBIT THREE

                          INFORMATION TO BE INCLUDED IN
                       MONTHLY DISTRIBUTION DATE STATEMENT

               (i) (a) the amount of such distribution to the Certificateholders
        of such  Class  applied  to reduce  the  Certificate  Principal  Balance
        thereof,  and (b) the aggregate  amount  included  therein  representing
        Principal Prepayments;

               (ii) the amount of such  distribution to Holders of such Class of
          Certificates allocable to interest;

               (iii)  if the  distribution  to the  Holders  of  such  Class  of
        Certificates is less than the full amount that would be distributable to
        such Holders if there were  sufficient  funds  available  therefor,  the
        amount of the shortfall;

               (iv) the amount of any Advance by the Master Servicer pursuant to
          Section 4.04;

               (v) the number and Pool Stated Principal  Balance of the Mortgage
        Loans after  giving  effect to the  distribution  of  principal  on such
        Distribution Date;

               (vi) the aggregate Certificate Principal Balance of each Class of
        Certificates  and the  Senior  Percentage,  after  giving  effect to the
        amounts  distributed on such Distribution Date,  separately  identifying
        any reduction  thereof due to Realized  Losses other than pursuant to an
        actual distribution of principal;

               (vii) the related Subordinate  Principal  Distribution Amount and
          Prepayment Distribution Percentage, if applicable;

               (viii) on the basis of the most recent reports furnished to it by
        Sub-Servicers,  the number and aggregate  principal balances of Mortgage
        Loans that are  Delinquent  (A) 30-59 days, (B) 60-89 days and (C) 90 or
        more days and the number and  aggregate  principal  balance of  Mortgage
        Loans that are in foreclosure;

               (ix) the number,  aggregate  principal  balance and book value of
          any REO Properties;

               (x) the aggregate Accrued Certificate  Interest remaining unpaid,
        if any,  for each  Class of  Certificates,  after  giving  effect to the
        distribution made on such Distribution Date;

               (xi) the Special Hazard Amount,  Fraud Loss Amount and Bankruptcy
        Amount  as of the  close of  business  on such  Distribution  Date and a
        description of any change in the calculation of such amounts;

               (xii) the weighted average Pool Strip Rate for such  Distribution
        Date  and  the  Pass-  Through  Rate  with  respect  to  the  Class  A-V
        Certificates and each Subclass, if any, thereof;

                                       -1-

<PAGE>

               (xiii) the Notional Amount with respect to each class of Interest
        Only Certificates and each Subclass Notional Amount;

               (xiv)  the occurrence of the Credit Support Depletion Date;

               (xv)  the  related  Senior  Accelerated  Distribution  Percentage
          applicable to such distribution;

               (xvi)  the related Senior Percentage for such Distribution Date;

               (xviii)the   aggregate   amount  of  Realized   Losses  for  such
          Distribution Date;

               (xix)  the  aggregate  amount  of any  recoveries  on  previously
        foreclosed  loans  from  Sellers  due to a breach of  representation  or
        warranty assigned to the Trustee pursuant to Section 2.04;

               (xx) the  weighted  average  remaining  term to  maturity  of the
        Mortgage  Loans after giving effect to the amounts  distributed  on such
        Distribution Date;

               (xxi) the weighted  average  Mortgage Rates of the Mortgage Loans
        after  giving  effect to the amounts  distributed  on such  Distribution
        Date; and

             (xxii) the Accrual Distribution Amount for such Distribution Date.

In the case of information furnished pursuant to clauses (i) and (ii) above, the
amounts  shall be expressed  as a dollar  amount per  Certificate  with a $1,000
denomination.

The    Trustee's    internet    website    will    initially   be   located   at
http://www.abs.bankone.com.  To receive  this  statement  via first  class mail,
telephone the Trustee at (800) 524-9472.

                                       -2-

<PAGE>

                                  EXHIBIT FOUR

                     STANDARD TERMS OF POOLING AND SERVICING
                              AGREEMENT DATED AS OF JULY 1, 2001

                                 EXECUTION COPY

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

                                STANDARD TERMS OF
                         POOLING AND SERVICING AGREEMENT

                            Dated as of July 1, 2001

                 Residential Funding Mortgage Securities I, Inc.

                       Mortgage Pass-Through Certificates

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

<PAGE>

<TABLE>
<CAPTION>

                                TABLE OF CONTENTS

                                                                                          PAGE

                                          ARTICLE I

                                         DEFINITIONS
<S>             <C>                                                                         <C>
        Section 1.01  Definitions............................................................1
        Section 1.02  Use of Words and Phrases..............................................29

                                          ARTICLE II

                                CONVEYANCE OF MORTGAGE LOANS;
                              ORIGINAL ISSUANCE OF CERTIFICATES
        Section 2.01  Conveyance of Mortgage Loans..........................................30
        Section 2.02  Acceptance by Trustee.................................................36
        Section 2.03  Representations, Warranties and Covenants of the Master Servicer and the
                      Company...............................................................37
        Section 2.04  Representations and Warranties of Sellers.............................39
        Section 2.05  Execution and Authentication of Certificates/Issuance of Certificates
                      Evidencing Interests in REMIC I.......................................41
        Section 2.06  Conveyance of Uncertificated REMIC I and REMIC II Regular Interests;
                       Acceptance by the Trustee.............................................41
        Section 2.07  Issuance of Certificates Evidencing Interests in REMIC II.............41
       Section 2.08  Purposes and Powers of the Trust......................................41

                                         ARTICLE III

                                 ADMINISTRATION AND SERVICING
                                      OF MORTGAGE LOANS
        Section 3.01  Master Servicer to Act as Servicer....................................41
        Section 3.02  Subservicing Agreements Between Master Servicer and Subservicers;
                      Enforcement of Subservicers' and Sellers' Obligations.................43
        Section 3.03  Successor Subservicers................................................44
        Section 3.04  Liability of the Master Servicer......................................44
        Section 3.05  No Contractual Relationship Between Subservicer and Trustee or
                      Certificateholders....................................................45
        Section 3.06  Assumption or Termination of Subservicing Agreements by Trustee.......45
        Section 3.07  Collection of Certain Mortgage Loan Payments;  Deposits to Custodial
                      Account...............................................................45
        Section 3.08  Subservicing Accounts; Servicing Accounts.............................48
        Section 3.09  Access to Certain Documentation and Information Regarding the Mortgage
                      Loans.................................................................49
        Section 3.10  Permitted Withdrawals from the Custodial Account......................50
        Section 3.11  Maintenance of the Primary Insurance Policies; Collections Thereunder
                       .....................................................................51

                                              i

<PAGE>

        Section 3.12  Maintenance of Fire Insurance and Omissions and Fidelity Coverage.....52
        Section 3.13  Enforcement of Due-on-Sale Clauses; Assumption and Modification
                      Agreements; Certain Assignments.......................................54
        Section 3.14  Realization Upon Defaulted Mortgage Loans.............................56
        Section 3.15  Trustee to Cooperate; Release of Mortgage Files.......................59
        Section 3.16  Servicing and Other Compensation; Compensating Interest...............60
        Section 3.17  Reports to the Trustee and the Company................................61
        Section 3.18  Annual Statement as to Compliance.....................................61
        Section 3.19  Annual Independent Public Accountants' Servicing Report...............62
        Section 3.20  Rights of the Company in Respect of the Master Servicer...............62
        Section 3.21  Administration of Buydown Funds.......................................63

                                          ARTICLE IV

                                PAYMENTS TO CERTIFICATEHOLDERS
        Section 4.01  Certificate Account...................................................63
        Section 4.02  Distributions.........................................................64
        Section 4.03  Statements to Certificateholders......................................64
        Section 4.04  Distribution of Reports to the Trustee and the Company; Advances by the
                      Master Servicer.......................................................65
        Section 4.05  Allocation of Realized Losses.........................................66
        Section 4.06  Reports of Foreclosures and Abandonment of Mortgaged Property.........66
        Section 4.07  Optional Purchase of Defaulted Mortgage Loans.........................67
        Section 4.08  Surety Bond...........................................................67

                                          ARTICLE V

                                       THE CERTIFICATES
        Section 5.01  The Certificates......................................................68
        Section 5.02  Registration of Transfer and Exchange of Certificates.................70
        Section 5.03  Mutilated, Destroyed, Lost or Stolen Certificates.....................75
        Section 5.04  Persons Deemed Owners.................................................76
        Section 5.05  Appointment of Paying Agent...........................................76

                                          ARTICLE VI

                             THE COMPANY AND THE MASTER SERVICER
        Section 6.01  Respective Liabilities of the Company and the Master Servicer.........77
        Section 6.02  Merger or Consolidation of the Company or the Master Servicer; Assignment
                      of Rights and Delegation of Duties by Master Servicer.................77
        Section 6.03  Limitation on Liability of the Company, the Master Servicer and Others
                       .....................................................................78
        Section 6.04  Company and Master Servicer Not to Resign.............................79

                                         ARTICLE VII

                                              ii

<PAGE>

                                           DEFAULT
        Section 7.01  Events of Default.....................................................79
        Section 7.02  Trustee or Company to Act; Appointment of Successor...................81
        Section 7.03  Notification to Certificateholders....................................82
        Section 7.04  Waiver of Events of Default...........................................82

                                         ARTICLE VIII

                                    CONCERNING THE TRUSTEE
        Section 8.01  Duties of Trustee.....................................................83
        Section 8.02  Certain Matters Affecting the Trustee.................................84
        Section 8.03  Trustee Not Liable for Certificates or Mortgage Loans.................86
        Section 8.04  Trustee May Own Certificates..........................................86
        Section 8.05  Master Servicer to Pay Trustee's Fees and Expenses; Indemnification...86
        Section 8.06  Eligibility Requirements for Trustee..................................87
        Section 8.07  Resignation and Removal of the Trustee................................88
        Section 8.08  Successor Trustee.....................................................89
        Section 8.09  Merger or Consolidation of Trustee....................................89
        Section 8.10  Appointment of Co-Trustee or Separate Trustee.........................89
        Section 8.11  Appointment of Custodians.............................................90
        Section 8.12  Appointment of Office or Agency.......................................91

                                          ARTICLE IX

                     TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES
        Section 9.01  Optional Purchase by the Master Servicer of All Certificates; Termination
                      Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans
                                                                                            91
        Section 9.02  Additional Termination Requirements...................................94
        Section 9.03  Termination of Multiple REMICs........................................95

                                          ARTICLE X

                                       REMIC PROVISIONS
        Section 10.01 REMIC Administration..................................................95
        Section 10.02 Master Servicer, REMIC Administrator and Trustee Indemnification......99
        Section 10.03 Designation of REMIC(s)...............................................99

                                          ARTICLE XI

                                   MISCELLANEOUS PROVISIONS
        Section 11.01 Amendment.............................................................99
        Section 11.02 Recordation of Agreement; Counterparts...............................102
        Section 11.03 Limitation on Rights of Certificateholders...........................102
        Section 11.04 Governing Law........................................................103
        Section 11.05 Notices..............................................................103

                                             iii

<PAGE>

        Section 11.06 Required Notices to Rating Agency and Subservicer....................103
        Section 11.07 Severability of Provisions...........................................104
        Section 11.08 Supplemental Provisions for Resecuritization.........................104
        Section 11.09 Allocation of Voting Rights..........................................105
</TABLE>

EXHIBITS

Exhibit A:     Form of Class A Certificate
Exhibit B:     Form of Class M Certificate
Exhibit C:     Form of Class B Certificate
Exhibit D:     Form of Class R Certificate
Exhibit E:     Form of Seller/Servicer Contract
Exhibit F:     Forms of Request for Release
Exhibit G-1:   Form of Transfer Affidavit and Agreement
Exhibit G-2:   Form of Transferor Certificate
Exhibit H:     Form of Investor Representation Letter
Exhibit I:     Form of Transferor Representation Letter
Exhibit J:     Form of Rule 144A Investment Representation Letter

Exhibit K: Text of  Amendment  to Pooling and  Servicing  Agreement  Pursuant to
     Section 11.01(e) for a Limited Guaranty

Exhibit L:     Form of Limited Guaranty
Exhibit M:     Form of Lender Certification for Assignment of Mortgage Loan
Exhibit N:     Request for Exchange Form

                                              iv

<PAGE>

        This is the Standard Terms of Pooling and Servicing Agreement,  dated as
of July 1, 2001 (the "Standard  Terms",  and as incorporated by reference into a
Series  Supplement  dated as of the Cut-off  Date,  the "Pooling  and  Servicing
Agreement" or "Agreement"),  among  RESIDENTIAL  FUNDING MORTGAGE  SECURITIES I,
INC., as the company  (together with its permitted  successors and assigns,  the
"Company"),  RESIDENTIAL FUNDING CORPORATION,  as master servicer (together with
its permitted  successors and assigns,  the "Master Servicer"),  and the trustee
named  in  the  applicable  Series  Supplement   (together  with  its  permitted
successors and assigns, the "Trustee").

                                    PRELIMINARY STATEMENT:

        The Company intends to sell certain mortgage  pass-through  certificates
(collectively, the "Certificates"), to be issued under the Agreement in multiple
classes,  which in the aggregate will evidence the entire  beneficial  ownership
interest in the Mortgage Loans.

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

                                    ARTICLE I

                                   DEFINITIONS
        Section 1.01  Definitions.

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

        Accretion Termination Date:  As defined in the Series Supplement.

        Accrual Certificates:  As defined in the Series Supplement.

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

        (i)    Prepayment  Interest  Shortfalls on all Mortgage Loans or, if the
               Mortgage  Pool is comprised  of two or more Loan  Groups,  on the
               Mortgage  Loans in the  related  Loan  Group (to the  extent  not
               offset by the  Master  Servicer  with a payment  of  Compensating
               Interest as provided in Section 4.01),

        (ii)   the interest  portion  (adjusted to the Net Mortgage Rate (or the
               Modified  Net  Mortgage  Rate in the case of a Modified  Mortgage
               Loan))  of  Realized  Losses  on all  Mortgage  Loans  or, if the
               Mortgage  Pool is comprised  of two or more Loan  Groups,  on the
               Mortgage  Loans  in the  related  Loan  Group  (including  Excess
               Special Hazard

                                              1

<PAGE>

               Losses,   Excess  Fraud  Losses,  Excess  Bankruptcy  Losses  and
               Extraordinary  Losses)  not  allocated  solely  to  one  or  more
               specific Classes of Certificates pursuant to Section 4.05,

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

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

with  all  such  reductions  allocated  (A)  among  all of the  Certificates  in
proportion to their respective amounts of Accrued  Certificate  Interest payable
on such  Distribution Date absent such reductions or (B) if the Mortgage Pool is
comprised  of two or more Loan Groups,  the related  Senior  Percentage  of such
reductions among the related Senior Certificates in proportion to the amounts of
Accrued  Certificate  Interest  payable  from  the  related  Loan  Group on such
Distribution Date absent such reductions,  with the remainder of such reductions
allocated among the holders of the Class M Certificates and Class B Certificates
in  proportion  to their  respective  amounts  of Accrued  Certificate  Interest
payable on such  Distribution  Date absent such reductions.  In addition to that
portion of the reductions described in the preceding sentence that are allocated
to any  Class  of Class B  Certificates  or any  Class of Class M  Certificates,
Accrued Certificate Interest on such Class of Class B Certificates or such Class
of Class M Certificates will be reduced by the interest portion (adjusted to the
Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of
Class B Certificates  or such Class of Class M Certificates  pursuant to Section
4.05.

     Addendum and Assignment  Agreement:  The Addendum and Assignment Agreement,
dated as of January 31, 1995, between MLCC and the Master Servicer.

        Additional  Collateral:  Any of the  following  held, in addition to the
related  Mortgaged  Property,  as security for a Mortgage  Loan:  (i) all money,
securities,  security  entitlements,   accounts,  general  intangibles,  payment
rights,  instruments,  documents,  deposit  accounts,  certificates  of deposit,
commodities  contracts  and other  investment  property  and other  property  of
whatever kind or description now existing or hereafter acquired which is pledged
as  security  for  the  repayment  of  such  Mortgage  Loan,  (ii)   third-party
guarantees,  and (A) all money,  securities,  security  entitlements,  accounts,
general intangibles,  payment rights, instruments,  documents, deposit accounts,
certificates of deposit, commodities contracts and other investment property and
other  property of  whatever  kind or  description  now  existing  or  hereafter
acquired  which is pledged as collateral for such guarantee or (B) any mortgaged
property  securing  the  performance  of such  guarantee,  or (iii)  such  other
collateral as may be set forth in the Series Supplement.

                                              2

<PAGE>

     Additional  Collateral  Loan:  Each  Mortgage  Loan  that is  supported  by
Additional Collateral.

        Adjusted  Mortgage Rate:  With respect to any Mortgage Loan and any date
of determination, the Mortgage Rate borne by the related Mortgage Note, less the
rate at which the related Subservicing Fee accrues.

     Advance:  As to any Mortgage Loan, any advance made by the Master Servicer,
pursuant to Section 4.04.

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

        Ambac: Ambac Assurance Corporation (formerly known as AMBAC Indemnity
 Corporation).

        Amount Held for Future  Distribution:  As to any Distribution  Date and,
with respect to any Mortgage  Pool that is comprised of two or more Loan Groups,
each Loan Group,  the total of the amounts held in the Custodial  Account at the
close  of  business  on the  preceding  Determination  Date  on  account  of (i)
Liquidation Proceeds, Insurance Proceeds, Curtailments,  Mortgage Loan purchases
made  pursuant  to  Section  2.02,   2.03,   2.04  or  4.07  and  Mortgage  Loan
substitutions  made  pursuant  to Section  2.03 or 2.04  received or made in the
month of such Distribution Date (other than such Liquidation Proceeds, Insurance
Proceeds and purchases of Mortgage Loans that the Master  Servicer has deemed to
have been received in the preceding month in accordance  with Section  3.07(b)),
and Principal  Prepayments in Full made after the related Prepayment Period, and
(ii) payments which represent  early receipt of scheduled  payments of principal
and interest due on a date or dates subsequent to the related Due Date.

        Appraised  Value:  As to any Mortgaged  Property,  the lesser of (i) the
appraised value of such Mortgaged  Property based upon the appraisal made at the
time of the  origination of the related  Mortgage Loan, and (ii) the sales price
of the Mortgaged  Property at such time of origination,  except in the case of a
Mortgaged  Property  securing a refinanced or modified Mortgage Loan as to which
it is  either  the  appraised  value  determined  above or the  appraised  value
determined in an appraisal at the time of  refinancing or  modification,  as the
case may be.

        Assigned  Contracts:  With respect to any Pledged Asset Loan: the Credit
Support Pledge Agreement; the Funding and Pledge Agreement,  among GMAC Mortgage
Corporation,  National Financial Services Corporation and the Mortgagor or other
person pledging the related Pledged Assets; the Additional Collateral Agreement,
between GMAC Mortgage Corporation and the Mortgagor or other person pledging the
related  Pledged  Assets;  or such  other  contracts  as may be set forth in the
Series Supplement.

     Assignment: An assignment of the Mortgage, notice of transfer or equivalent
instrument,  in recordable  form,  sufficient under the laws of the jurisdiction
wherein the related Mortgaged Property

                                              3

<PAGE>

is located to reflect of record the sale of the Mortgage Loan to the Trustee for
the  benefit of  Certificateholders,  which  assignment,  notice of  transfer or
equivalent  instrument  may be in the  form of one or more  blanket  assignments
covering  Mortgages secured by Mortgaged  Properties located in the same county,
if permitted by law and accompanied by an Opinion of Counsel to that effect.

        Assignment Agreement: The Assignment and Assumption Agreement, dated the
Closing  Date,  between  Residential  Funding  and the  Company  relating to the
transfer and assignment of the Mortgage Loans.

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

        Available  Distribution  Amount:  As to any Distribution  Date and, with
respect to any Mortgage  Pool  comprised  of two or more Loan Groups,  each Loan
Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage
Loans on deposit in the  Custodial  Account as of the close of  business  on the
immediately preceding  Determination Date and amounts deposited in the Custodial
Account in connection  with the  substitution of Qualified  Substitute  Mortgage
Loans,  (ii)  the  amount  of any  Advance  made  on the  immediately  preceding
Certificate  Account Deposit Date, (iii) any amount deposited in the Certificate
Account on the related  Certificate  Account Deposit Date pursuant to the second
paragraph  of Section  3.12(a),  (iv) any amount  deposited  in the  Certificate
Account pursuant to Section 4.07, (v) any amount that the Master Servicer is not
permitted to withdraw  from the  Custodial  Account or the  Certificate  Account
pursuant to Section 3.16(e), (vi) any amount received by the Trustee pursuant to
the Surety Bond in respect of such  Distribution  Date and (vii) the proceeds of
any Pledged Assets received by the Master Servicer, reduced by (b) the sum as of
the close of business on the immediately preceding Determination Date of (x) the
Amount Held for Future  Distribution,  and (y) amounts permitted to be withdrawn
by the Master  Servicer  from the  Custodial  Account in respect of the Mortgage
Loans pursuant to clauses (ii)-(x),  inclusive,  of Section 3.10(a). Such amount
shall be determined separately for each Loan Group.  Additionally,  with respect
to any Mortgage  Pool that is  comprised  of two or more Loan Groups,  if on any
Distribution Date Compensating  Interest provided pursuant to Section 3.16(e) is
less than  Prepayment  Interest  Shortfalls  incurred on the  Mortgage  Loans in
connection  with  Principal  Prepayments  in Full  received  during the  related
Prepayment  Period  and  Curtailments  made in the prior  calendar  month,  such
Compensating  Interest  shall  be  allocated  on such  Distribution  Date to the
Available  Distribution  Amount  for each  Loan  Group  on a pro  rata  basis in
accordance with the respective  amounts of such Prepayment  Interest  Shortfalls
incurred  on  the  Mortgage  Loans  in  such  Loan  Group  in  respect  of  such
Distribution Date.

        Bankruptcy Code:  The Bankruptcy Code of 1978, as amended.

        Bankruptcy  Loss:  With  respect  to  any  Mortgage  Loan,  a  Deficient
Valuation or Debt Service Reduction; provided, however, that neither a Deficient
Valuation  nor a Debt  Service  Reduction  shall  be  deemed a  Bankruptcy  Loss
hereunder  so long as the Master  Servicer  has  notified the Trustee in writing
that the Master  Servicer is diligently  pursuing any remedies that may exist in
connection  with the  representations  and warranties made regarding the related
Mortgage  Loan and either (A) the related  Mortgage  Loan is not in default with
regard to payments due  thereunder or (B)  delinquent  payments of principal and
interest under the related Mortgage Loan and any premiums on any

                                              4

<PAGE>

applicable  primary hazard  insurance  policy and any related escrow payments in
respect  of such  Mortgage  Loan are being  advanced  on a current  basis by the
Master  Servicer or a  Subservicer,  in either case without giving effect to any
Debt Service Reduction.

        Book-Entry  Certificate:  Any Certificate  registered in the name of the
Depository or its nominee,  and designated as such in the Preliminary  Statement
to the Series Supplement.

        Business  Day:  Any day other than (i) a Saturday  or a Sunday or (ii) a
day on which  banking  institutions  in the  State  of New  York,  the  State of
Michigan, the State of California or the State of Illinois (and such other state
or states in which the Custodial  Account or the Certificate  Account are at the
time located) are required or authorized by law or executive order to be closed.

        Buydown  Funds:  Any amount  contributed  by the  seller of a  Mortgaged
Property, the Company or other source in order to enable the Mortgagor to reduce
the payments  required to be made from the Mortgagor's  funds in the early years
of a  Mortgage  Loan.  Buydown  Funds  are not part of the Trust  Fund  prior to
deposit into the Custodial or Certificate Account.

        Buydown  Mortgage Loan: Any Mortgage Loan as to which a specified amount
of interest is paid out of related  Buydown Funds in  accordance  with a related
buydown agreement.

        Cash  Liquidation:  As to  any  defaulted  Mortgage  Loan  other  than a
Mortgage Loan as to which an REO Acquisition  occurred,  a determination  by the
Master  Servicer  that  it has  received  all  Insurance  Proceeds,  Liquidation
Proceeds  and  other  payments  or cash  recoveries  which the  Master  Servicer
reasonably and in good faith expects to be finally  recoverable  with respect to
such Mortgage Loan.

     Certificate Account Deposit Date: As to any Distribution Date, the Business
Day prior thereto.

        Certificateholder  or Holder:  The Person in whose name a Certificate is
registered  in  the  Certificate  Register,  and,  in  respect  of  any  Insured
Certificates,  the  Certificate  Insurer to the extent of  Cumulative  Insurance
Payments,  except that  neither a  Disqualified  Organization  nor a  Non-United
States  Person shall be a holder of a Class R  Certificate  for purposes  hereof
and, solely for the purpose of giving any consent or direction  pursuant to this
Agreement, any Certificate, other than a Class R Certificate,  registered in the
name of the Company,  the Master  Servicer or any  Subservicer  or any Affiliate
thereof shall be deemed not to be  outstanding  and the  Percentage  Interest or
Voting Rights  evidenced  thereby shall not be taken into account in determining
whether the requisite amount of Percentage  Interests or Voting Rights necessary
to effect any such consent or direction has been obtained. All references herein
to "Holders" or  "Certificateholders"  shall  reflect the rights of  Certificate
Owners as they may  indirectly  exercise such rights  through the Depository and
participating members thereof,  except as otherwise specified herein;  provided,
however,  that the  Trustee  shall be  required  to  recognize  as a "Holder" or
"Certificateholder" only the Person in whose name a Certificate is registered in
the Certificate Register.

        Certificate Insurer: As defined in the Series Supplement.

                                              5

<PAGE>

        Certificate Owner: With respect to a Book-Entry Certificate,  the Person
who is the beneficial owner of such Certificate, as reflected on the books of an
indirect participating brokerage firm for which a Depository Participant acts as
agent, if any, and otherwise on the books of a Depository  Participant,  if any,
and otherwise on the books of the Depository.

     Certificate Principal Balance: With respect to each Certificate (other than
any Interest Only  Certificate),  on any date of determination,  an amount equal
to:

          (i)  the Initial Certificate  Principal Balance of such Certificate as
               specified on the face thereof, plus

        (ii)   in the case of each Accrual  Certificate,  an amount equal to the
               aggregate Accrued  Certificate  Interest added to the Certificate
               Principal  Balance  thereof prior to such date of  determination,
               minus

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

provided,  that the  Certificate  Principal  Balance of the Class of Subordinate
Certificates  with the Lowest  Priority at any given time shall be calculated to
equal the Percentage Interest evidenced by such Certificate times the excess, if
any, of (A) the then aggregate  Stated  Principal  Balance of the Mortgage Loans
over (B) the then aggregate  Certificate  Principal Balance of all other Classes
of Certificates then outstanding.

     Certificate Register and Certificate Registrar: The register maintained and
the registrar appointed pursuant to Section 5.02.

        Class:   Collectively,   all  of  the  Certificates   bearing  the  same
designation.  The initial Class A-V Certificates and any Subclass thereof issued
pursuant  to  Section  5.01(c)  shall be a single  Class  for  purposes  of this
Agreement.

     Class A-P Certificate:  Any one of the  Certificates  designated as a Class
A-P Certificate.

        Class A-P Collection Shortfall:  With respect to the Cash Liquidation or
REO  Disposition  of a Discount  Mortgage Loan and any  Distribution  Date,  the
excess of the  amount  described  in  Section  4.02(b)(i)(C)(1)  over the amount
described in Section 4.02(b)(i)(C)(2).

        Class A-P Principal Distribution Amount:  As defined in Section 4.02.

     Class A-V Certificate:  Any one of the  Certificates  designated as a Class
A-V Certificate, including any Subclass thereof.

                                              6

<PAGE>

        Class B Certificate:  Any one of the Certificates  designated as a Class
B-1 Certificate, Class B-2 Certificate or Class B-3 Certificate.

        Class M Certificate:  Any one of the Certificates  designated as a Class
M-1 Certificate, Class M-2 Certificate or Class M-3 Certificate.

        Closing Date:  As defined in the Series Supplement.

        Code:  The Internal Revenue Code of 1986.

     Combined  Collateral  LLC:  Combined  Collateral  LLC, a  Delaware  limited
liability company.

        Compensating Interest:  With respect to any Distribution Date, an amount
equal to Prepayment Interest Shortfalls resulting from Principal  Prepayments in
Full  during the related  Prepayment  Period and  Curtailments  during the prior
calendar  month and  included  in the  Available  Distribution  Amount  for such
Distribution  Date, but not more than the lesser of (a) one-twelfth of 0.125% of
the Stated Principal  Balance of the Mortgage Loans  immediately  preceding such
Distribution  Date and (b) the sum of the  Servicing Fee and all income and gain
on amounts held in the Custodial Account and the Certificate Account and payable
to the Certificateholders  with respect to such Distribution Date; provided that
for  purposes of this  definition  the amount of the  Servicing  Fee will not be
reduced pursuant to Section 7.02 except as may be required  pursuant to the last
sentence of such Section.

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

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

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

        Cooperative  Loans:  Any of the  Mortgage  Loans  made in  respect  of a
Cooperative  Apartment,  evidenced  by a  Mortgage  Note  and  secured  by (i) a
Security  Agreement,  (ii) the related  Cooperative Stock Certificate,  (iii) an
assignment of the Cooperative  Lease, (iv) financing  statements and (v) a stock
power (or other  similar  instrument),  and  ancillary  thereto,  a  recognition
agreement  between the Cooperative  and the originator of the Cooperative  Loan,
each of which was  transferred  and assigned to the Trustee  pursuant to Section
2.01 and are from time to time held as part of the Trust Fund.

                                              7

<PAGE>

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

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

        Credit Support Depletion Date: The first  Distribution Date on which the
Certificate Principal Balances of the Subordinate Certificates have been reduced
to zero.

        Credit Support Pledge  Agreement:  The Credit Support Pledge  Agreement,
dated as of  November  24,  1998,  among  the  Master  Servicer,  GMAC  Mortgage
Corporation, Combined Collateral LLC and The First National Bank of Chicago (now
known as Bank One, National Association), as custodian.

        Cumulative Insurance Payments:  As defined in the Series Supplement.

     Curtailment:  Any Principal  Prepayment  made by a Mortgagor which is not a
Principal Prepayment in Full.

        Custodial  Account:  The  custodial  account  or  accounts  created  and
maintained pursuant to Section 3.07 in the name of a depository institution,  as
custodian for the holders of the Certificates,  for the holders of certain other
interests in mortgage loans serviced or sold by the Master  Servicer and for the
Master  Servicer,  into which the  amounts  set forth in  Section  3.07 shall be
deposited directly. Any such account or accounts shall be an Eligible Account.

        Custodial  Agreement:  An  agreement  that may be entered into among the
Company, the Master Servicer,  the Trustee and a Custodian pursuant to which the
Custodian will hold certain  documents  relating to the Mortgage Loans on behalf
of the Trustee.

        Custodian:  A custodian appointed pursuant to a Custodial Agreement.

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

        Debt Service  Reduction:  With respect to any Mortgage Loan, a reduction
in the scheduled  Monthly Payment for such Mortgage Loan by a court of competent
jurisdiction in a proceeding under the Bankruptcy Code,  except such a reduction
constituting a Deficient  Valuation or any reduction that results in a permanent
forgiveness of principal.

        Deficient Valuation: With respect to any Mortgage Loan, a valuation by a
court of competent jurisdiction of the Mortgaged Property in an amount less than
the then outstanding  indebtedness  under the Mortgage Loan, or any reduction in
the amount of  principal to be paid in  connection  with any  scheduled  Monthly
Payment that constitutes a permanent  forgiveness of principal,  which valuation
or reduction results from a proceeding under the Bankruptcy Code.

                                              8

<PAGE>

     Definitive   Certificate:   Any   Certificate   other  than  a   Book-Entry
Certificate.

     Deleted  Mortgage  Loan: A Mortgage  Loan replaced or to be replaced with a
Qualified Substitute Mortgage Loan.

        Delinquent:  As used herein, a Mortgage Loan is considered to be: "30 to
59 days" or "30 or more days" delinquent when a payment due on any scheduled due
date  remains  unpaid  as of the  close of  business  on the last  business  day
immediately  prior to the next following  monthly  scheduled due date; "60 to 89
days" or "60 or more days"  delinquent  when a payment due on any  scheduled due
date  remains  unpaid  as of the  close of  business  on the last  business  day
immediately prior to the second following monthly scheduled due date; and so on.
The  determination  as to whether a Mortgage Loan falls into these categories is
made as of the close of business  on the last  business  day of each month.  For
example, a Mortgage Loan with a payment due on July 1 that remained unpaid as of
the close of  business on July 31 would then be  considered  to be 30 to 59 days
delinquent.  Delinquency  information  as of the Cut-off Date is determined  and
prepared as of the close of business on the last business day immediately  prior
to the Cut-off Date.

        Depository:  The Depository Trust Company,  or any successor  Depository
hereafter  named.  The  nominee  of  the  initial  Depository  for  purposes  of
registering those Certificates that are to be Book-Entry  Certificates is Cede &
Co. The Depository shall at all times be a "clearing  corporation" as defined in
Section  8-102(a)(5) of the Uniform Commercial Code of the State of New York and
a "clearing agency" registered  pursuant to the provisions of Section 17A of the
Securities Exchange Act of 1934, as amended.

        Depository  Participant:  A  broker,  dealer,  bank or  other  financial
institution  or other  Person  for whom from time to time a  Depository  effects
book-entry transfers and pledges of securities deposited with the Depository.

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

        Determination Date:  As defined in the Series Supplement.

        Discount  Fraction:  With respect to each Discount  Mortgage  Loan,  the
fraction  expressed as a percentage,  the numerator of which is the Discount Net
Mortgage Rate minus the Net Mortgage Rate (or the initial Net Mortgage Rate with
respect to any Discount Mortgage Loans as to which the Mortgage Rate is modified
pursuant to 3.07(a)) for such Mortgage Loan and the  denominator of which is the
Discount Net Mortgage Rate. The Discount  Fraction with respect to each Discount
Mortgage Loan is set forth as an exhibit attached to the Series Supplement.

        Discount Mortgage Loan: Any Mortgage Loan having a Net Mortgage Rate (or
the initial Net Mortgage  Rate) of less than the Discount Net Mortgage  Rate per
annum and any Mortgage  Loan deemed to be a Discount  Mortgage  Loan pursuant to
the definition of Qualified Substitute Mortgage Loan.

        Discount Net Mortgage Rate:  As defined in the Series Supplement.

                                              9

<PAGE>

        Disqualified  Organization:  Any organization defined as a "disqualified
organization"  under  Section  860E(e)(5)  of the  Code,  and  if not  otherwise
included,  any of the following:  (i) the United States,  any State or political
subdivision  thereof,  any  possession  of the United  States,  or any agency or
instrumentality of any of the foregoing (other than an instrumentality  which is
a  corporation  if all of its  activities  are  subject  to tax and,  except for
Freddie  Mac, a  majority  of its board of  directors  is not  selected  by such
governmental unit), (ii) a foreign government,  any international  organization,
or any agency or instrumentality of any of the foregoing, (iii) any organization
(other than certain farmers' cooperatives  described in Section 521 of the Code)
which is exempt from the tax imposed by Chapter 1 of the Code (including the tax
imposed by Section 511 of the Code on unrelated  business taxable income),  (iv)
rural electric and telephone  cooperatives described in Section 1381(a)(2)(C) of
the Code, (v) any "electing large  partnership," as defined in Section 775(a) of
the Code and (vi) any other Person so  designated  by the Trustee  based upon an
Opinion  of  Counsel  that the  holding of an  Ownership  Interest  in a Class R
Certificate  by such  Person may cause the Trust  Fund or any  Person  having an
Ownership  Interest in any Class of  Certificates  (other  than such  Person) to
incur a liability  for any  federal  tax  imposed  under the Code that would not
otherwise be imposed but for the Transfer of an Ownership  Interest in a Class R
Certificate   to  such  Person.   The  terms   "United   States",   "State"  and
"international  organization"  shall have the meanings set forth in Section 7701
of the Code or successor provisions.

        Distribution  Date:  The 25th day of any  month  beginning  in the month
immediately  following the month of the initial issuance of the Certificates or,
if such 25th day is not a Business Day, the Business Day  immediately  following
such 25th day.

     Due Date: With respect to any Distribution  Date and any Mortgage Loan, the
day during the related Due Period on which the Monthly Payment is due.

     Due Period: With respect to any Distribution Date, the one-month period set
forth in the Series Supplement.

        Eligible  Account:  An  account  that  is  any  of  the  following:  (i)
maintained with a depository institution the debt obligations of which have been
rated by each Rating Agency in its highest rating available,  or (ii) an account
or accounts in a depository institution in which such accounts are fully insured
to the limits established by the FDIC, provided that any deposits not so insured
shall, to the extent  acceptable to each Rating Agency, as evidenced in writing,
be maintained such that (as evidenced by an Opinion of Counsel  delivered to the
Trustee and each Rating Agency) the registered  Holders of  Certificates  have a
claim with  respect to the funds in such account or a perfected  first  security
interest   against  any   collateral   (which  shall  be  limited  to  Permitted
Investments)  securing  such  funds  that is  superior  to  claims  of any other
depositors or creditors of the depository institution with which such account is
maintained,  or (iii) in the case of the Custodial  Account,  a trust account or
accounts  maintained in the  corporate  trust  department of Bank One,  National
Association,  or (iv) in the case of the Certificate Account, a trust account or
accounts  maintained in the corporate  trust division of the Trustee,  or (v) an
account or accounts of a depository institution acceptable to each Rating Agency
(as  evidenced in writing by each Rating  Agency that use of any such account as
the  Custodial  Account or the  Certificate  Account  will not reduce the rating
assigned to any Class of  Certificates  by such Rating Agency below the lower of
the  then-current  rating or the rating assigned to such  Certificates as of the
Closing Date by such Rating Agency).

                                              10

<PAGE>

        Event of Default:  As defined in Section 7.01.

     Excess  Bankruptcy  Loss: Any Bankruptcy  Loss, or portion  thereof,  which
exceeds the then applicable Bankruptcy Amount.

     Excess Fraud Loss:  Any Fraud Loss, or portion  thereof,  which exceeds the
then applicable Fraud Loss Amount.

     Excess Special  Hazard Loss:  Any Special Hazard Loss, or portion  thereof,
that exceeds the then applicable Special Hazard Amount.

        Excess  Subordinate  Principal Amount:  With respect to any Distribution
Date on which  the  aggregate  Certificate  Principal  Balance  of the  Class of
Subordinate  Certificates  then  outstanding  with the Lowest  Priority is to be
reduced to zero and on which  Realized  Losses are to be allocated to such class
or classes,  the  excess,  if any,  of (i) the amount  that would  otherwise  be
distributable  in respect of principal on such class or classes of  Certificates
on such  Distribution  Date  over  (ii) the  excess,  if any,  of the  aggregate
Certificate   Principal  Balance  of  such  class  or  classes  of  Certificates
immediately  prior to such  Distribution  Date  over  the  aggregate  amount  of
Realized  Losses  to be  allocated  to  such  classes  of  Certificates  on such
Distribution  Date as  reduced  by any  amount  calculated  pursuant  to Section
4.02(b)(i)(E).  With  respect to any  Mortgage  Pool that is comprised of two or
more Loan  Groups,  the Excess  Subordinate  Principal  Amount will be allocated
between  each Loan  Group on a pro rata basis in  accordance  with the amount of
Realized   Losses   attributable  to  each  Loan  Group  and  allocated  to  the
Certificates on such Distribution Date.

        Extraordinary  Events: Any of the following conditions with respect to a
Mortgaged  Property  (or, with respect to a Cooperative  Loan,  the  Cooperative
Apartment)  or Mortgage  Loan  causing or  resulting  in a loss which causes the
liquidation of such Mortgage Loan:

        (a) losses  that are of the type that  would be covered by the  fidelity
bond and the errors and  omissions  insurance  policy  required to be maintained
pursuant  to  Section  3.12(b)  but are in  excess  of the  coverage  maintained
thereunder;

        (b) nuclear reaction or nuclear radiation or radioactive  contamination,
all whether  controlled  or  uncontrolled,  and  whether  such loss be direct or
indirect,  proximate or remote or be in whole or in part caused by,  contributed
to or  aggravated  by a peril  covered by the  definition  of the term  "Special
Hazard Loss";

        (c) hostile or warlike action in time of peace or war,  including action
in hindering,  combating or defending  against an actual,  impending or expected
attack:

               1.   by any government or sovereign  power,  de jure or de facto,
                    or by any authority maintaining or using military,  naval or
                    air forces; or

               2.     by military, naval or air forces; or

               3.   by an agent  of any such  government,  power,  authority  or
                    forces;

                                              11

<PAGE>

     (d) any weapon of war employing atomic fission or radioactive force whether
in time of peace or war; or

        (e)  insurrection,  rebellion,  revolution,  civil war, usurped power or
action  taken by  governmental  authority in  hindering,  combating or defending
against such an occurrence,  seizure or destruction  under quarantine or customs
regulations,  confiscation  by order of any government or public  authority;  or
risks of contraband or illegal transportation or trade.

     Extraordinary  Losses:  Any loss  incurred on a Mortgage  Loan caused by or
resulting from an Extraordinary Event.

        Fannie Mae: Federal National Mortgage Association, a federally chartered
and  privately  owned  corporation  organized  and  existing  under the  Federal
National Mortgage Association Charter Act, or any successor thereto.

     FASIT:  A "financial  asset  securitization  investment  trust"  within the
meaning of Section 860L of the Code.

        FDIC:  Federal Deposit Insurance Corporation or any successor thereto.

        Final  Distribution  Date:  The  Distribution  Date on which  the  final
distribution  in respect of the  Certificates  will be made  pursuant to Section
9.01, which Final  Distribution  Date shall in no event be later than the end of
the 90-day liquidation period described in Section 9.02.

        Fitch:  Fitch, Inc. or its successor in interest.

        Foreclosure   Profits:   As  to  any   Distribution   Date  or   related
Determination  Date and any Mortgage  Loan,  the excess,  if any, of Liquidation
Proceeds,  Insurance Proceeds and REO Proceeds (net of all amounts  reimbursable
therefrom  pursuant to Section  3.10(a)(ii)) in respect of each Mortgage Loan or
REO Property for which a Cash  Liquidation  or REO  Disposition  occurred in the
related  Prepayment  Period over the sum of the unpaid principal balance of such
Mortgage Loan or REO Property (determined, in the case of an REO Disposition, in
accordance  with Section 3.14) plus accrued and unpaid  interest at the Mortgage
Rate on such unpaid  principal  balance from the Due Date to which  interest was
last paid by the Mortgagor to the first day of the month  following the month in
which such Cash Liquidation or REO Disposition occurred.

     Fraud Losses:  Losses on Mortgage  Loans as to which there was fraud in the
origination of such Mortgage Loan.

        Freddie  Mac:  Federal  Home  Loan  Mortgage  Corporation,  a  corporate
instrumentality of the United States created and existing under Title III of the
Emergency Home Finance Act of 1970, as amended, or any successor thereto.

        Highest  Priority:  As of  any  date  of  determination,  the  Class  of
Subordinate  Certificates  then  outstanding  with  the  earliest  priority  for
payments pursuant to Section 4.02(a),  in the following order:  Class M-1, Class
M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates.

                                              12

<PAGE>

        Independent:  When used with respect to any specified Person, means such
a Person who (i) is in fact independent of the Company,  the Master Servicer and
the Trustee,  or any Affiliate thereof,  (ii) does not have any direct financial
interest or any material indirect financial interest in the Company,  the Master
Servicer or the Trustee or in an Affiliate  thereof,  and (iii) is not connected
with the Company,  the Master  Servicer or the Trustee as an officer,  employee,
promoter,  underwriter,  trustee, partner, director or person performing similar
functions.

        Initial  Certificate  Principal  Balance:  With respect to each Class of
Certificates, the Certificate Principal Balance of such Class of Certificates as
of the Cut-off Date, as set forth in the Series Supplement.

        Initial Monthly Payment Fund: An amount representing scheduled principal
amortization and interest at the Net Mortgage Rate for the Due Date in the first
Due Period  commencing  subsequent to the Cut-off Date for those  Mortgage Loans
for which the Trustee will not be entitled to receive such payment,  and as more
specifically defined in the Series Supplement.

        Initial  Notional  Amount:  With  respect  to any Class or  Subclass  of
Interest Only Certificates, the amount initially used as the principal basis for
the calculation of any interest payment amount, as more specifically  defined in
the Series Supplement.

     Initial Subordinate Class Percentage: As defined in the Series Supplement.

        Insurance  Proceeds:  Proceeds  paid in  respect of the  Mortgage  Loans
pursuant to any Primary  Insurance Policy or any other related  insurance policy
covering a Mortgage Loan  (excluding any  Certificate  Policy (as defined in the
Series  Supplement)),  to the extent such  proceeds are payable to the mortgagee
under the Mortgage, any Subservicer,  the Master Servicer or the Trustee and are
not applied to the  restoration  of the related  Mortgaged  Property  (or,  with
respect to a Cooperative Loan, the related Cooperative Apartment) or released to
the Mortgagor in accordance  with the procedures  that the Master Servicer would
follow in servicing mortgage loans held for its own account.

     Insurer:  Any named  insurer  under  any  Primary  Insurance  Policy or any
successor thereto or the named insurer in any replacement policy.

        Interest Accrual Period: As defined in the Series Supplement.

     Interest  Only  Certificates:  A Class  or  Subclass  of  Certificates  not
entitled  to  payments  of  principal,  and  designated  as such  in the  Series
Supplement.  The Interest Only Certificates  will have no Certificate  Principal
Balance.

        Interim Certification:  As defined in Section 2.02.

     Junior Certificateholder: The Holder of not less than 95% of the Percentage
Interests of the Junior Class of Certificates.

        Junior  Class of  Certificates:  The Class of  Subordinate  Certificates
outstanding  as of the date of the  repurchase  of a Mortgage  Loan  pursuant to
Section 4.07 herein that has the Lowest Priority.

                                              13

<PAGE>

        Late  Collections:  With  respect  to any  Mortgage  Loan,  all  amounts
received during any Due Period,  whether as late payments of Monthly Payments or
as Insurance Proceeds,  Liquidation Proceeds or otherwise,  which represent late
payments or  collections  of Monthly  Payments due but delinquent for a previous
Due Period and not previously recovered.

        Liquidation  Proceeds:  Amounts (other than Insurance Proceeds) received
by the Master  Servicer  in  connection  with the taking of an entire  Mortgaged
Property  by  exercise  of the power of  eminent  domain or  condemnation  or in
connection with the liquidation of a defaulted  Mortgage Loan through  trustee's
sale, foreclosure sale or otherwise, other than REO Proceeds.

        Loan Group:  Any group of Mortgage  Loans  designated as a separate loan
group in the Series  Supplement.  The  Certificates  relating to each Loan Group
will be designated in the Series Supplement.

        Loan-to-Value  Ratio:  As of any  date,  the  fraction,  expressed  as a
percentage,  the  numerator  of which is the  current  principal  balance of the
related Mortgage Loan at the date of determination  and the denominator of which
is the Appraised Value of the related Mortgaged Property.

        Lower  Priority:  As of any  date  of  determination  and any  Class  of
Subordinate  Certificates,  any other  Class of  Subordinate  Certificates  then
outstanding with a later priority for payments pursuant to Section 4.02(a).

        Lowest  Priority:  As  of  any  date  of  determination,  the  Class  of
Subordinate  Certificates then outstanding with the latest priority for payments
pursuant to Section 4.02(a), in the following order: Class B-3, Class B-2, Class
B-1, Class M-3, Class M-2 and Class M-1 Certificates.

        Maturity Date: The latest possible maturity date, solely for purposes of
Section   1.860G-1(a)(4)(iii)   of  the  Treasury  regulations,   by  which  the
Certificate  Principal  Balance of each Class of  Certificates  (other  than the
Interest Only Certificates which have no Certificate Principal Balance) and each
Uncertificated REMIC Regular Interest would be reduced to zero, as designated in
the Series Supplement.

     MERS:  Mortgage  Electronic   Registration  Systems,  Inc.,  a  corporation
organized and existing under the laws of the State of Delaware, or any successor
thereto.

        MERS(R)  System:   The  system  of  recording   transfers  of  Mortgages
electronically maintained by MERS.

     MIN: The Mortgage  Identification Number for Mortgage Loans registered with
MERS on the MERS(R)System.

     MLCC: Merrill Lynch Credit Corporation, or its successor in interest.

     Modified  Mortgage  Loan:  Any Mortgage Loan that has been the subject of a
Servicing Modification.

                                              14

<PAGE>

        Modified Net Mortgage  Rate: As to any Mortgage Loan that is the subject
of a Servicing  Modification,  the Net Mortgage Rate minus the rate per annum by
which the Mortgage Rate on such Mortgage Loan was reduced.

        MOM  Loan:  With  respect  to any  Mortgage  Loan,  MERS  acting  as the
mortgagee of such Mortgage  Loan,  solely as nominee for the  originator of such
Mortgage Loan and its successors and assigns, at the origination thereof.

        Monthly  Payment:  With respect to any Mortgage Loan  (including any REO
Property) and any Due Date, the payment of principal and interest due thereon in
accordance with the amortization  schedule at the time applicable thereto (after
adjustment,  if any, for  Curtailments  and for Deficient  Valuations  occurring
prior to such Due Date but before any adjustment to such  amortization  schedule
by reason of any  bankruptcy,  other  than a  Deficient  Valuation,  or  similar
proceeding or any  moratorium  or similar  waiver or grace period and before any
Servicing Modification that constitutes a reduction of the interest rate on such
Mortgage Loan).

        Moody's:  Moody's Investors Service, Inc., or its successor in interest.

        Mortgage:  With respect to each Mortgage Note related to a Mortgage Loan
which is not a Cooperative Loan, the mortgage, deed of trust or other comparable
instrument  creating  a first  lien on an  estate  in fee  simple  or  leasehold
interest in real property securing a Mortgage Note.

        Mortgage File: The mortgage  documents listed in Section 2.01 pertaining
to a particular Mortgage Loan and any additional  documents required to be added
to the Mortgage File pursuant to this Agreement.

        Mortgage Loans:  Such of the mortgage loans  transferred and assigned to
the Trustee  pursuant to Section 2.01 as from time to time are held or deemed to
be held as a part of the Trust Fund, the Mortgage Loans originally so held being
identified in the initial  Mortgage  Loan  Schedule,  and  Qualified  Substitute
Mortgage Loans held or deemed held as part of the Trust Fund including,  without
limitation,  (i) with respect to each  Cooperative  Loan,  the related  Mortgage
Note,  Security  Agreement,  Assignment of Proprietary Lease,  Cooperative Stock
Certificate,  Cooperative  Lease and Mortgage  File and all rights  appertaining
thereto,  and (ii) with respect to each  Mortgage  Loan other than a Cooperative
Loan,  each related  Mortgage  Note,  Mortgage and Mortgage  File and all rights
appertaining thereto.

        Mortgage Loan Schedule:  As defined in the Series Supplement.

        Mortgage  Note:  The  originally  executed  note or  other  evidence  of
indebtedness  evidencing the  indebtedness of a Mortgagor under a Mortgage Loan,
together with any modification thereto.

     Mortgage Pool: The pool of mortgage  loans,  including all Loan Groups,  if
any, consisting of the Mortgage Loans.

     Mortgage  Rate:  As to any Mortgage  Loan,  the interest  rate borne by the
related  Mortgage  Note,  or any  modification  thereto  other than a  Servicing
Modification.

                                              15

<PAGE>

        Mortgaged  Property:  The underlying  real property  securing a Mortgage
Loan or, with respect to a Cooperative  Loan, the related  Cooperative Lease and
Cooperative Stock.

        Mortgagor:  The obligor on a Mortgage Note.

        Net  Mortgage  Rate:  As to each  Mortgage  Loan,  a per  annum  rate of
interest  equal to the Adjusted  Mortgage  Rate less the per annum rate at which
the Servicing Fee is calculated.

     Non-Discount Mortgage Loan: A Mortgage Loan that is not a Discount Mortgage
Loan.

        Non-Primary Residence Loans: The Mortgage Loans designated as secured by
second or vacation  residences,  or by  non-owner  occupied  residences,  on the
Mortgage Loan Schedule.

        Non-United States Person:  Any Person other than a United States Person.

        Nonrecoverable  Advance:  Any Advance  previously made or proposed to be
made by the Master  Servicer in respect of a Mortgage Loan (other than a Deleted
Mortgage Loan) which,  in the good faith judgment of the Master  Servicer,  will
not, or, in the case of a proposed Advance, would not, be ultimately recoverable
by the Master  Servicer  from  related  Late  Collections,  Insurance  Proceeds,
Liquidation  Proceeds,  REO  Proceeds  or  amounts  reimbursable  to the  Master
Servicer  pursuant to Section 4.02(a) hereof.  The  determination  by the Master
Servicer that it has made a Nonrecoverable  Advance or that any proposed Advance
would  constitute a Nonrecoverable  Advance,  shall be evidenced by an Officers'
Certificate delivered to the Company, the Trustee and any Certificate Insurer.

     Nonsubserviced  Mortgage  Loan:  Any  Mortgage  Loan  that,  at the time of
reference thereto, is not subject to a Subservicing Agreement.

        Notional Amount:  With respect to any Class or Subclass of Interest Only
Certificates,  an amount used as the principal  basis for the calculation of any
interest payment amount, as more specifically defined in the Series Supplement.

        Officers'  Certificate:  A  certificate  signed by the  Chairman  of the
Board,  the  President or a Vice  President or Assistant  Vice  President,  or a
Director or Managing Director,  and by the Treasurer,  the Secretary,  or one of
the Assistant  Treasurers or Assistant  Secretaries of the Company or the Master
Servicer,  as the case may be, and delivered to the Trustee, as required by this
Agreement.

        Opinion of  Counsel:  A written  opinion of  counsel  acceptable  to the
Trustee  and the  Master  Servicer,  who may be counsel  for the  Company or the
Master  Servicer,  provided  that any opinion of counsel (i)  referred to in the
definition of "Disqualified  Organization" or (ii) relating to the qualification
of any REMIC formed under the Series  Supplement  or  compliance  with the REMIC
Provisions  must,  unless  otherwise  specified,  be an opinion  of  Independent
counsel.

     Outstanding  Mortgage Loan: As to any Due Date, a Mortgage Loan  (including
an REO  Property)  which was not the subject of a Principal  Prepayment in Full,
Cash Liquidation or REO

                                              16

<PAGE>

Disposition  and which was not purchased,  deleted or  substituted  for prior to
such Due Date pursuant to Section 2.02, 2.03, 2.04 or 4.07.

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

        Pass-Through Rate:  As defined in the Series Supplement.

     Paying Agent:  The Trustee or any successor  Paying Agent  appointed by the
Trustee.

        Percentage Interest: With respect to any Certificate (other than a Class
R Certificate), the undivided percentage ownership interest in the related Class
evidenced by such  Certificate,  which  percentage  ownership  interest shall be
equal to the Initial  Certificate  Principal Balance thereof or Initial Notional
Amount (in the case of any Interest  Only  Certificate)  thereof  divided by the
aggregate Initial Certificate  Principal Balance or the aggregate of the Initial
Notional Amounts, as applicable, of all the Certificates of the same Class. With
respect to a Class R Certificate,  the interest in distributions to be made with
respect to such Class evidenced thereby, expressed as a percentage, as stated on
the face of each such Certificate.

        Permitted Investments:  One or more of the following:

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

               (ii) repurchase agreements on obligations specified in clause (i)
        maturing not more than one month from the date of  acquisition  thereof,
        provided  that  the  unsecured  obligations  of the  party  agreeing  to
        repurchase such  obligations are at the time rated by each Rating Agency
        in its highest short-term rating available;

               (iii) federal funds,  certificates of deposit,  demand  deposits,
        time  deposits  and  bankers'  acceptances  (which  shall  each  have an
        original  maturity of not more than 90 days and, in the case of bankers'
        acceptances,  shall in no event have an  original  maturity of more than
        365 days or a remaining  maturity of more than 30 days)  denominated  in
        United  States  dollars  of any  U.S.  depository  institution  or trust
        company  incorporated  under the laws of the United  States or any state
        thereof or of any domestic branch of a foreign depository institution or
        trust company;  provided that the debt  obligations  of such  depository
        institution  or trust company (or, if the only Rating Agency is Standard
        &  Poor's,  in the case of the  principal  depository  institution  in a
        depository   institution  holding  company,   debt  obligations  of  the
        depository  institution  holding  company)  at the  date of  acquisition
        thereof have been rated by each Rating Agency in its highest  short-term
        rating  available;  and provided further that, if the only Rating Agency
        is  Standard  &  Poor's  and if the  depository  or trust  company  is a
        principal  subsidiary of a bank holding company and the debt obligations
        of such subsidiary are not separately rated, the applicable rating shall
        be that of the bank holding company;  and, provided further that, if the
        original maturity of such short-term obligations

                                              17

<PAGE>

        of a  domestic  branch  of a  foreign  depository  institution  or trust
        company shall exceed 30 days, the short-term  rating of such institution
        shall be A-1+ in the case of  Standard & Poor's if  Standard & Poor's is
        the Rating Agency;

               (iv)   commercial   paper  and  demand  notes  (having   original
        maturities  of not more than 365 days) of any  corporation  incorporated
        under the laws of the United  States or any state  thereof  which on the
        date of acquisition  has been rated by each Rating Agency in its highest
        short-term rating  available;  provided that such commercial paper shall
        have a remaining maturity of not more than 30 days;

               (v) a money market fund or a qualified  investment  fund rated by
        each Rating Agency in its highest long-term rating available; and

               (vi) other  obligations or securities that are acceptable to each
        Rating  Agency as a Permitted  Investment  hereunder and will not reduce
        the rating  assigned to any Class of  Certificates by such Rating Agency
        below the lower of the  then-current  rating or the rating  assigned  to
        such  Certificates  as of the  Closing  Date by such Rating  Agency,  as
        evidenced in writing;

provided,  however,  no  instrument  shall  be  a  Permitted  Investment  if  it
represents,  either (1) the right to receive only interest payments with respect
to the underlying debt instrument or (2) the right to receive both principal and
interest  payments derived from  obligations  underlying such instrument and the
principal and interest payments with respect to such instrument  provide a yield
to maturity greater than 120% of the yield to maturity at par of such underlying
obligations.  References  herein to the highest  rating  available  on unsecured
long-term debt shall mean AAA in the case of Standard & Poor's and Fitch and Aaa
in the case of Moody's, and references herein to the highest rating available on
unsecured commercial paper and short-term debt obligations shall mean A-1 in the
case of Standard & Poor's, P-1 in the case of Moody's and either A-1 by Standard
& Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch.

     Permitted Transferee: Any Transferee of a Class R Certificate, other than a
Disqualified Organization or Non-United States Person.

        Person:   Any  individual,   corporation,   limited  liability  company,
partnership,   joint   venture,   association,   joint-stock   company,   trust,
unincorporated organization or government or any agency or political subdivision
thereof.

     Pledged Amount: With respect to any Pledged Asset Loan, the amount of money
remitted to Combined  Collateral  LLC, at the direction of or for the benefit of
the related Mortgagor.

        Pledged  Asset Loan:  Any Mortgage Loan  supported by Pledged  Assets or
such other collateral,  other than the related Mortgaged Property,  set forth in
the Series Supplement.

        Pledged   Assets:   With  respect  to  any  Mortgage  Loan,  all  money,
securities, security entitlements,  accounts, general intangibles,  instruments,
documents,  certificates of deposit,  commodities contracts and other investment
property and other property of whatever kind or

                                              18

<PAGE>

description  pledged by  Combined  Collateral  LLC as security in respect of any
Realized  Losses in connection  with such Mortgage Loan up to the Pledged Amount
for such Mortgage Loan, and any related collateral,  or such other collateral as
may be set forth in the Series Supplement.

        Pledged Asset Mortgage Servicing  Agreement:  The Pledged Asset Mortgage
Servicing  Agreement,  dated as of February 28, 1996 between MLCC and the Master
Servicer.

        Pooling  and  Servicing  Agreement  or  Agreement:  With  respect to any
Series, this Standard Terms together with the related Series Supplement.

     Pool Stated Principal  Balance:  As to any Distribution Date, the aggregate
of the Stated Principal Balances of each Mortgage Loan.

        Pool Strip Rate:  With respect to each  Mortgage  Loan, a per annum rate
equal to the excess of (a) the Net Mortgage  Rate of such Mortgage Loan over (b)
the Discount Net Mortgage Rate (but not less than 0.00%) per annum.

        Prepayment  Distribution  Trigger: With respect to any Distribution Date
and  any  Class  of   Subordinate   Certificates   (other  than  the  Class  M-1
Certificates),  a test that shall be satisfied if the fraction  (expressed  as a
percentage) equal to the sum of the Certificate Principal Balances of such Class
and each Class of Subordinate Certificates with a Lower Priority than such Class
immediately  prior to such  Distribution  Date divided by the  aggregate  Stated
Principal  Balance of all of the  Mortgage  Loans (or  related  REO  Properties)
immediately  prior to such Distribution Date is greater than or equal to the sum
of the  related  Initial  Subordinate  Class  Percentages  of  such  Classes  of
Subordinate Certificates.

        Prepayment  Interest  Shortfall:  As to any  Distribution  Date  and any
Mortgage Loan (other than a Mortgage Loan relating to an REO Property)  that was
the  subject of (a) a  Principal  Prepayment  in Full  during the portion of the
related  Prepayment Period that falls during the prior calendar month, an amount
equal  to the  excess  of one  month's  interest  at the Net  Mortgage  Rate (or
Modified  Net  Mortgage  Rate in the case of a  Modified  Mortgage  Loan) on the
Stated  Principal  Balance of such  Mortgage  Loan over the  amount of  interest
(adjusted to the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of
a Modified  Mortgage  Loan)) paid by the Mortgagor for such month to the date of
such Principal Prepayment in Full or (b) a Curtailment during the prior calendar
month,  an amount  equal to one month's  interest at the Net  Mortgage  Rate (or
Modified  Net  Mortgage  Rate in the case of a  Modified  Mortgage  Loan) on the
amount of such Curtailment.

        Prepayment Period: As to any Distribution Date and Principal  Prepayment
in Full,  the period  commencing on the 16th day of the month prior to the month
prior to the month in which that Distribution Date occurs and ending on the 15th
day of the month in which such Distribution Date occurs.

     Primary  Insurance  Policy:   Each  primary  policy  of  mortgage  guaranty
insurance or any replacement policy therefor referred to in Section  2.03(b)(iv)
and (v).

                                              19

<PAGE>

     Principal  Only  Certificates:  A Class of  Certificates  not  entitled  to
payments of interest,  and more  specifically  designated  as such in the Series
Supplement.

        Principal  Prepayment:  Any payment of principal or other  recovery on a
Mortgage Loan,  including a recovery that takes the form of Liquidation Proceeds
or Insurance  Proceeds,  which is received in advance of its  scheduled Due Date
and is not  accompanied  by an  amount  as to  interest  representing  scheduled
interest  on such  payment  due on any  date or dates  in any  month  or  months
subsequent to the month of prepayment.

     Principal  Prepayment  in Full:  Any  Principal  Prepayment  of the  entire
principal balance of a Mortgage Loan that is made by the Mortgagor.

        Program Guide: Collectively, the Client Guide and the Servicer Guide for
Residential  Funding's  mortgage loan purchase and conduit servicing program and
all supplements  and amendments  thereto  published by Residential  Funding from
time to time.

        Purchase  Price:  With  respect to any Mortgage  Loan (or REO  Property)
required to be or  otherwise  purchased  on any date  pursuant to Section  2.02,
2.03,  2.04 or  4.07,  an  amount  equal  to the sum of (i)  100% of the  Stated
Principal Balance thereof plus the principal portion of any related unreimbursed
Advances  and (ii) unpaid  accrued  interest at the Adjusted  Mortgage  Rate (or
Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is
calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate
(or Modified Net Mortgage Rate in the case of a Modified  Mortgage  Loan) in the
case of a purchase made by the Master Servicer) on the Stated Principal  Balance
thereof  to the Due Date in the Due  Period  related  to the  Distribution  Date
occurring  in the month  following  the month of  purchase  from the Due Date to
which interest was last paid by the Mortgagor.

        Qualified  Substitute  Mortgage  Loan: A Mortgage  Loan  substituted  by
Residential  Funding or the Company for a Deleted  Mortgage  Loan which must, on
the  date  of  such  substitution,  as  confirmed  in an  Officers'  Certificate
delivered to the Trustee, with a copy to the Custodian,

        (i)    have an outstanding  principal  balance,  after  deduction of the
               principal  portion  of the  monthly  payment  due in the month of
               substitution  (or in the case of a substitution  of more than one
               Mortgage  Loan  for  a  Deleted   Mortgage   Loan,  an  aggregate
               outstanding  principal  balance,  after such  deduction),  not in
               excess of the Stated  Principal  Balance of the Deleted  Mortgage
               Loan (the amount of any shortfall to be deposited by  Residential
               Funding in the Custodial Account in the month of substitution);

        (ii)   have a Mortgage  Rate and a Net  Mortgage  Rate no lower than and
               not more than 1% per annum higher than the Mortgage  Rate and Net
               Mortgage Rate,  respectively,  of the Deleted Mortgage Loan as of
               the date of substitution;

        (iii)  have a Loan-to-Value  Ratio at the time of substitution no higher
               than  that  of  the  Deleted   Mortgage   Loan  at  the  time  of
               substitution;

                                              20

<PAGE>

        (iv)   have a remaining  term to stated  maturity  not greater than (and
               not more than one year less  than) that of the  Deleted  Mortgage
               Loan;

        (v)    comply  with  each  representation  and  warranty  set  forth  in
               Sections  2.03 and 2.04  hereof and  Section 4 of the  Assignment
               Agreement; and

        (vi) have a Pool Strip Rate equal to or greater than that of the Deleted
Mortgage Loan.

Notwithstanding  any other provisions  herein, (x) with respect to any Qualified
Substitute  Mortgage Loan  substituted  for a Deleted  Mortgage Loan which was a
Discount Mortgage Loan, such Qualified  Substitute Mortgage Loan shall be deemed
to be a  Discount  Mortgage  Loan and to have a Discount  Fraction  equal to the
Discount  Fraction  of the Deleted  Mortgage  Loan and (y) in the event that the
"Pool  Strip  Rate" of any  Qualified  Substitute  Mortgage  Loan as  calculated
pursuant to the  definition  of "Pool Strip Rate" is greater than the Pool Strip
Rate of the related Deleted Mortgage Loan

        (i)    the Pool Strip Rate of such  Qualified  Substitute  Mortgage Loan
               shall  be equal to the Pool  Strip  Rate of the  related  Deleted
               Mortgage Loan for purposes of calculating the  Pass-Through  Rate
               on the Class A-V Certificates and

        (ii)   the excess of the Pool Strip  Rate on such  Qualified  Substitute
               Mortgage Loan as calculated  pursuant to the  definition of "Pool
               Strip  Rate"  over the Pool  Strip  Rate on the  related  Deleted
               Mortgage  Loan  shall  be  payable  to the  Class R  Certificates
               pursuant to Section 4.02 hereof.

        Rating Agency:  Each of the statistical credit rating agencies specified
in the  Preliminary  Statement  of the  Series  Supplement.  If any  agency or a
successor is no longer in existence,  "Rating Agency" shall be such  statistical
credit rating agency,  or other  comparable  Person,  designated by the Company,
notice  of  which  designation  shall be given  to the  Trustee  and the  Master
Servicer.

        Realized Loss:  With respect to each Mortgage Loan (or REO Property):

               (a)  as to  which  a  Cash  Liquidation  or REO  Disposition  has
                    occurred,  an amount  (not less than zero)  equal to (i) the
                    Stated  Principal  Balance  of the  Mortgage  Loan  (or  REO
                    Property)  as  of  the  date  of  Cash  Liquidation  or  REO
                    Disposition,  plus (ii) interest (and REO Imputed  Interest,
                    if any) at the Net  Mortgage  Rate  from  the Due Date as to
                    which    interest    was   last   paid   or    advanced   to
                    Certificateholders  up to the Due  Date  in the  Due  Period
                    related to the Distribution Date on which such Realized Loss
                    will be  allocated  pursuant  to Section  4.05 on the Stated
                    Principal  Balance of such  Mortgage  Loan (or REO Property)
                    outstanding  during each Due Period that such  interest  was
                    not paid or  advanced,  minus  (iii) the  proceeds,  if any,
                    received during the month in which such Cash Liquidation (or
                    REO  Disposition)   occurred,   to  the  extent  applied  as
                    recoveries  of  interest  at the Net  Mortgage  Rate  and to
                    principal of the Mortgage Loan,  net of the portion  thereof
                    reimbursable to the Master Servicer or any Subservicer  with
                    respect  to related  Advances  or  expenses  as to which the
                    Master Servicer or Subservicer is entitled to  reimbursement
                    thereunder but which have not been previously reimbursed,

                                              21

<PAGE>

        (b)    which is the subject of a Servicing Modification,  (i) the amount
               by  which  the  interest  portion  of a  Monthly  Payment  or the
               principal balance of such Mortgage Loan was reduced, and (ii) any
               such amount with  respect to a Monthly  Payment that was or would
               have been due in the  month  immediately  following  the month in
               which  a  Principal  Prepayment  or the  Purchase  Price  of such
               Mortgage Loan is received or is deemed to have been received,

        (c)    which has  become  the  subject  of a  Deficient  Valuation,  the
               difference  between the  principal  balance of the Mortgage  Loan
               outstanding immediately prior to such Deficient Valuation and the
               principal  balance  of  the  Mortgage  Loan  as  reduced  by  the
               Deficient Valuation, or

        (d)    which has  become  the object of a Debt  Service  Reduction,  the
               amount of such Debt Service Reduction.

Notwithstanding  the above,  neither a Deficient  Valuation  nor a Debt  Service
Reduction  shall be  deemed a  Realized  Loss  hereunder  so long as the  Master
Servicer  has  notified  the  Trustee in writing  that the  Master  Servicer  is
diligently  pursuing  any  remedies  that  may  exist  in  connection  with  the
representations  and  warranties  made  regarding the related  Mortgage Loan and
either (A) the related  Mortgage  Loan is not in default with regard to payments
due  thereunder or (B)  delinquent  payments of principal and interest under the
related  Mortgage  Loan  and  any  premiums  on any  applicable  primary  hazard
insurance  policy and any related  escrow  payments in respect of such  Mortgage
Loan  are  being  advanced  on a  current  basis  by the  Master  Servicer  or a
Subservicer, in either case without giving effect to any Debt Service Reduction.

        Record  Date:  With  respect  to each  Distribution  Date,  the close of
business on the last Business Day of the month next preceding the month in which
the related Distribution Date occurs.

     Regular  Certificate:  Any  of  the  Certificates  other  than  a  Class  R
Certificate.

     REMIC: A "real estate  mortgage  investment  conduit" within the meaning of
Section 860D of the Code.

        REMIC  Administrator:  Residential Funding  Corporation.  If Residential
Funding  Corporation is found by a court of competent  jurisdiction to no longer
be able to fulfill its obligations as REMIC  Administrator  under this Agreement
the  Master  Servicer  or  Trustee  acting as Master  Servicer  shall  appoint a
successor REMIC Administrator,  subject to assumption of the REMIC Administrator
obligations under this Agreement.

        REMIC  Provisions:  Provisions of the federal income tax law relating to
real estate mortgage investment conduits,  which appear at Sections 860A through
860G of  Subchapter  M of Chapter 1 of the Code,  and  related  provisions,  and
temporary and final  regulations (or, to the extent not  inconsistent  with such
temporary or final  regulations,  proposed  regulations) and published  rulings,
notices and  announcements  promulgated  thereunder,  as the foregoing may be in
effect from time to time.

                                              22

<PAGE>

        REO Acquisition: The acquisition by the Master Servicer on behalf of the
Trustee for the benefit of the  Certificateholders  of any REO Property pursuant
to Section 3.14.

        REO Disposition:  As to any REO Property,  a determination by the Master
Servicer that it has received all Insurance Proceeds,  Liquidation Proceeds, REO
Proceeds and other payments and recoveries  (including proceeds of a final sale)
which the Master  Servicer  expects to be finally  recoverable  from the sale or
other disposition of the REO Property.

        REO Imputed Interest: As to any REO Property,  for any period, an amount
equivalent to interest (at the Net Mortgage Rate that would have been applicable
to the related  Mortgage Loan had it been  outstanding) on the unpaid  principal
balance of the  Mortgage  Loan as of the date of  acquisition  thereof  for such
period.

        REO Proceeds:  Proceeds, net of expenses, received in respect of any REO
Property (including, without limitation, proceeds from the rental of the related
Mortgaged  Property  or,  with  respect  to  a  Cooperative  Loan,  the  related
Cooperative  Apartment)  which  proceeds are  required to be deposited  into the
Custodial Account only upon the related REO Disposition.

        REO  Property:  A Mortgaged  Property  acquired  by the Master  Servicer
through  foreclosure  or  deed  in  lieu of  foreclosure  in  connection  with a
defaulted Mortgage Loan.

        Request  for  Release:  A request  for  release,  the forms of which are
attached as Exhibit F hereto,  or an electronic  request in a form acceptable to
the Custodian.

        Required  Insurance  Policy:  With  respect to any  Mortgage  Loan,  any
insurance policy which is required to be maintained from time to time under this
Agreement, the Program Guide or the related Subservicing Agreement in respect of
such Mortgage Loan.

        Required Surety Payment:  With respect to any Additional Collateral Loan
that becomes a Liquidated Mortgage Loan, the lesser of (i) the principal portion
of the Realized Loss with respect to such Mortgage Loan and (ii) the excess,  if
any, of (a) the amount of Additional  Collateral  required at  origination  with
respect  to  such  Mortgage  Loan  over  (b) the net  proceeds  realized  by the
Subservicer from the related Additional Collateral.

     Residential   Funding:   Residential   Funding   Corporation,   a  Delaware
corporation,  in its capacity as seller of the Mortgage Loans to the Company and
any successor thereto.

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

        Retail  Certificates:  A Senior Certificate,  if any, offered in smaller
minimum denominations than other Senior Certificates,  and designated as such in
the Series Supplement.

                                              23

<PAGE>

        Schedule of Discount Fractions:  The schedule setting forth the Discount
Fractions with respect to the Discount Mortgage Loans, attached as an exhibit to
the Series Supplement.

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

     Seller: As to any Mortgage Loan, a Person, including any Subservicer,  that
executed a Seller's Agreement applicable to such Mortgage Loan.

        Seller's  Agreement:  An  agreement  for  the  origination  and  sale of
Mortgage  Loans  generally  in the form of the Seller  Contract  referred  to or
contained in the Program  Guide,  or in such other form as has been  approved by
the  Master  Servicer  and the  Company,  each  containing  representations  and
warranties in respect of one or more Mortgage  Loans  consistent in all material
respects with those set forth in the Program Guide.

        Senior  Accelerated  Distribution   Percentage:   With  respect  to  any
Distribution  Date occurring on or prior to the 60th Distribution Date and, with
respect to any Mortgage  Pool  comprised  of two or more Loan  Groups,  any Loan
Group,  100%. With respect to any Distribution Date thereafter and any such Loan
Group, if applicable, as follows:

        (i)    for any Distribution Date after the 60th Distribution Date but on
               or  prior to the  72nd  Distribution  Date,  the  related  Senior
               Percentage  for such  Distribution  Date plus 70% of the  related
               Subordinate Percentage for such Distribution Date;

        (ii)   for any Distribution Date after the 72nd Distribution Date but on
               or  prior to the  84th  Distribution  Date,  the  related  Senior
               Percentage  for such  Distribution  Date plus 60% of the  related
               Subordinate Percentage for such Distribution Date;

        (iii)  for any Distribution Date after the 84th Distribution Date but on
               or  prior to the  96th  Distribution  Date,  the  related  Senior
               Percentage  for such  Distribution  Date plus 40% of the  related
               Subordinate Percentage for such Distribution Date;

        (iv)   for any Distribution Date after the 96th Distribution Date but on
               or prior to the  108th  Distribution  Date,  the  related  Senior
               Percentage  for such  Distribution  Date plus 20% of the  related
               Subordinate Percentage for such Distribution Date; and

          (v)  for any Distribution  Date thereafter,  the Senior Percentage for
               such Distribution Date;

provided, however,

        (i)    that  any   scheduled   reduction   to  the  Senior   Accelerated
               Distribution Percentage described above shall not occur as of any
               Distribution Date unless either

               (a)(1)(X) the outstanding principal balance of the Mortgage Loans
        delinquent  60 days or more  averaged  over the last  six  months,  as a
        percentage of the aggregate outstanding Certificate Principal Balance of
        the Subordinate Certificates, is less than 50%

                                              24

<PAGE>

        or (Y) the outstanding principal balance of Mortgage Loans delinquent 60
        days or more averaged  over the last six months,  as a percentage of the
        aggregate  outstanding  principal balance of all Mortgage Loans averaged
        over the last six months,  does not exceed 2% and (2) Realized Losses on
        the  Mortgage  Loans  to date for such  Distribution  Date if  occurring
        during  the  sixth,  seventh,  eighth,  ninth or tenth year (or any year
        thereafter)  after the Closing Date are less than 30%,  35%, 40%, 45% or
        50%,  respectively,  of the  sum of the  Initial  Certificate  Principal
        Balances of the Subordinate Certificates or

               (b)(1)  the  outstanding  principal  balance  of  Mortgage  Loans
        delinquent  60 days or more  averaged  over the last  six  months,  as a
        percentage  of  the  aggregate  outstanding  principal  balance  of  all
        Mortgage Loans averaged over the last six months, does not exceed 4% and
        (2) Realized Losses on the Mortgage Loans to date for such  Distribution
        Date, if occurring  during the sixth,  seventh,  eighth,  ninth or tenth
        year (or any year thereafter)  after the Closing Date are less than 10%,
        15%,  20%,  25%  or  30%,  respectively,  of  the  sum  of  the  Initial
        Certificate Principal Balances of the Subordinate Certificates, and

          (ii) that for any Distribution  Date on which the Senior Percentage is
               greater than the  Percentage as of the Closing  Date,  the Senior
               Accelerated  Distribution  Percentage for such  Distribution Date
               shall be 100%,  or, if the  Mortgage  Pool is comprised of two or
               more Loan Groups, for any Distribution Date on which the weighted
               average of the Senior  Percentages for each Loan Group,  weighted
               on the basis of the Stated  Principal  Balances  of the  Mortgage
               Loans in the related Loan Group,  exceeds the weighted average of
               the initial  Senior  Percentages  (calculated  on such basis) for
               each Loan  Group,  each of the  Senior  Accelerated  Distribution
               Percentages for such Distribution Date will equal 100%.

Notwithstanding the foregoing,  upon the reduction of the Certificate  Principal
Balances  of  the  related  Senior   Certificates  (other  than  the  Class  A-P
Certificates,  if any) to zero,  the  related  Senior  Accelerated  Distribution
Percentage shall thereafter be 0%.

        Senior Certificate:  As defined in the Series Supplement.

        Senior Percentage:  As defined in the Series Supplement.

        Senior  Support   Certificate:   A  Senior   Certificate  that  provides
additional  credit  enhancement to certain other classes of Senior  Certificates
and designated as such in the Preliminary Statement of the Series Supplement.

     Series: All of the Certificates  issued pursuant to a Pooling and Servicing
Agreement and bearing the same series designation.

        Series  Supplement:  The  agreement  into which this  Standard  Terms is
incorporated and pursuant to which,  together with this Standard Terms, a Series
of Certificates is issued.

     Servicing Accounts: The account or accounts created and maintained pursuant
to Section 3.08.

                                              25

<PAGE>

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

        Servicing Fee: With respect to any Mortgage Loan and Distribution  Date,
the fee payable  monthly to the Master  Servicer in respect of master  servicing
compensation  that accrues at an annual rate  designated  on the  Mortgage  Loan
Schedule as the "MSTR SERV FEE" for such Mortgage  Loan, as may be adjusted with
respect to successor Master Servicers as provided in Section 7.02.

        Servicing  Modification:  Any  reduction of the interest  rate on or the
outstanding  principal  balance of a Mortgage  Loan that is in  default,  or for
which,  in  the  judgment  of  the  Master   Servicer,   default  is  reasonably
foreseeable, pursuant to a modification of such Mortgage Loan in accordance with
Section 3.07(a).

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

        Special  Hazard Loss: Any Realized Loss not in excess of the cost of the
lesser of repair or replacement  of a Mortgaged  Property (or, with respect to a
Cooperative Loan, the related Cooperative  Apartment) suffered by such Mortgaged
Property  (or  Cooperative  Apartment)  on  account  of  direct  physical  loss,
exclusive  of (i) any  loss of a type  covered  by a  hazard  policy  or a flood
insurance policy required to be maintained in respect of such Mortgaged Property
pursuant  to Section  3.12(a),  except to the extent of the portion of such loss
not covered as a result of any coinsurance  provision and (ii) any Extraordinary
Loss.

     Standard  &  Poor's:  Standard  & Poor's,  a  division  of The  McGraw-Hill
Companies, Inc., or its successor in interest.

        Stated Principal  Balance:  With respect to any Mortgage Loan or related
REO Property,  at any given time, (i) the Cut-off Date Principal  Balance of the
Mortgage  Loan,  minus (ii) the sum of (a) the principal  portion of the Monthly
Payments due with respect to such Mortgage Loan or REO Property  during each Due
Period ending prior to the most recent  Distribution Date which were received or
with  respect to which an Advance was made,  and (b) all  Principal  Prepayments
with respect to such Mortgage Loan or REO Property,  and all Insurance Proceeds,
Liquidation  Proceeds  and REO  Proceeds,  to the  extent  applied by the Master
Servicer as recoveries of principal in accordance with Section 3.14 with respect
to such Mortgage Loan or REO Property, in each case

                                              26

<PAGE>

which were  distributed  pursuant to Section 4.02 on any  previous  Distribution
Date,  and (c) any Realized Loss  allocated to  Certificateholders  with respect
thereto for any previous Distribution Date.

        Subclass:  With  respect  to the Class A-V  Certificates,  any  Subclass
thereof issued pursuant to Section 5.01(c). Any such Subclass will represent the
Uncertificated  Class A-V REMIC Regular  Interest or Interests  specified by the
initial Holder of the Class A-V Certificates pursuant to Section 5.01(c).

        Subordinate Certificate:  Any one of the Class M Certificates or Class B
Certificates,  executed  by the  Trustee and  authenticated  by the  Certificate
Registrar  substantially  in the form annexed hereto as Exhibit B and Exhibit C,
respectively.

        Subordinate Class Percentage:  With respect to any Distribution Date and
any Class of Subordinate  Certificates,  a fraction,  expressed as a percentage,
the numerator of which is the aggregate  Certificate  Principal  Balance of such
Class  of  Subordinate  Certificates  immediately  prior  to such  date  and the
denominator  of which is the aggregate  Stated  Principal  Balance of all of the
Mortgage  Loans (or related  REO  Properties)  (other than the related  Discount
Fraction of each Discount  Mortgage Loan) immediately prior to such Distribution
Date.

        Subordinate Percentage: As of any Distribution Date and, with respect to
any Mortgage  Pool  comprised of two or more Loan Groups,  any Loan Group,  100%
minus the related Senior Percentage as of such Distribution Date.

     Subserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference
thereto, is subject to a Subservicing Agreement.

        Subservicer: Any Person with whom the Master Servicer has entered into a
Subservicing Agreement and who generally satisfied the requirements set forth in
the Program Guide in respect of the  qualification  of a  Subservicer  as of the
date of its approval as a Subservicer by the Master Servicer.

        Subservicer  Advance:  Any  delinquent   installment  of  principal  and
interest on a Mortgage Loan which is advanced by the related Subservicer (net of
its Subservicing Fee) pursuant to the Subservicing Agreement.

     Subservicing Account: An account established by a Subservicer in accordance
with Section 3.08.

        Subservicing Agreement: The written contract between the Master Servicer
and any Subservicer relating to servicing and administration of certain Mortgage
Loans as  provided  in  Section  3.02,  generally  in the  form of the  servicer
contract  referred to or contained in the Program Guide or in such other form as
has been  approved  by the Master  Servicer  and the  Company.  With  respect to
Additional  Collateral  Loans  subserviced by MLCC, the  Subservicing  Agreement
shall also include the Addendum and  Assignment  Agreement and the Pledged Asset
Mortgage Servicing Agreement. With respect to any Pledged Asset Loan subserviced
by GMAC Mortgage Corporation,

                                              27

<PAGE>

the Addendum and Assignment  Agreement,  dated as of November 24, 1998,  between
the Master  Servicer and GMAC  Mortgage  Corporation,  as such  agreement may be
amended from time to time.

        Subservicing  Fee: As to any Mortgage Loan,  the fee payable  monthly to
the related  Subservicer (or, in the case of a Nonsubserviced  Mortgage Loan, to
the Master  Servicer) in respect of  subservicing  and other  compensation  that
accrues at an annual rate equal to the excess of the Mortgage  Rate borne by the
related  Mortgage  Note over the rate per annum  designated on the Mortgage Loan
Schedule as the "CURR NET" for such Mortgage Loan.

     Surety:  Ambac, or its successors in interest,  or such other surety as may
be identified in the Series Supplement.

        Surety Bond:  The Limited  Purpose  Surety Bond  (Policy No.  AB0039BE),
dated February 28, 1996 in respect to Mortgage Loans  originated by MLCC, or the
Surety Bond (Policy No.  AB0240BE),  dated March 17, 1999 in respect to Mortgage
Loans  originated by Novus Financial  Corporation,  in each case issued by Ambac
for the benefit of certain beneficiaries,  including the Trustee for the benefit
of the Holders of the Certificates, but only to the extent that such Surety Bond
covers any  Additional  Collateral  Loans,  or such other  Surety Bond as may be
identified in the Series Supplement.

        Tax Returns:  The federal income tax return on Internal  Revenue Service
Form 1066,  U.S.  Real Estate  Mortgage  Investment  Conduit  Income Tax Return,
including  Schedule Q thereto,  Quarterly Notice to Residual Interest Holders of
REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed
on behalf of any REMIC  formed under the Series  Supplement  and under the REMIC
Provisions, together with any and all other information, reports or returns that
may be  required to be  furnished  to the  Certificateholders  or filed with the
Internal  Revenue Service or any other  governmental  taxing authority under any
applicable provisions of federal, state or local tax laws.

     Transfer: Any direct or indirect transfer,  sale, pledge,  hypothecation or
other form of assignment of any Ownership Interest in a Certificate.

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

     Transferor:  Any Person  who is  disposing  by  Transfer  of any  Ownership
Interest in a Certificate.

        Trust Fund:  The  segregated  pool of assets  related to a Series,  with
respect to which one or more REMIC  elections  are to be made  pursuant  to this
Agreement, consisting of:

          (i)  the Mortgage Loans and the related  Mortgage Files and collateral
               securing such Mortgage Loans,

        (ii)   all payments on and  collections in respect of the Mortgage Loans
               due  after  the  Cut-off  Date  as  shall  be on  deposit  in the
               Custodial Account or in the Certificate Account and identified as
               belonging to the Trust Fund, including the proceeds from

                                              28

<PAGE>

               the  liquidation  of  Additional  Collateral  for any  Additional
               Collateral Loan or Pledged Assets for any Pledged Asset Loan, but
               not including  amounts on deposit in the Initial  Monthly Payment
               Fund,

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

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

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

        Uniform Single  Attestation  Program for Mortgage  Bankers:  The Uniform
Single  Attestation  Program for Mortgage Bankers,  as published by the Mortgage
Bankers  Association  of America and  effective  with respect to fiscal  periods
ending on or after December 15, 1995.

        Uninsured  Cause:  Any cause of damage to property subject to a Mortgage
such that the complete restoration of such property is not fully reimbursable by
the hazard insurance policies.

        United  States  Person:  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,  provided  that,  for  purposes  solely  of  the
restrictions  on the transfer of residual  interests,  no  partnership  or other
entity  treated as a partnership  for United States  federal income tax purposes
shall be treated  as a United  States  Person  unless  all  persons  that own an
interest in such partnership either directly or through any entity that is not a
corporation  for United States  federal  income tax purposes are required by the
applicable  operating agreement to be United States Persons,  any state thereof,
or the District of Columbia (except in the case of a partnership,  to the extent
provided in Treasury  regulations) or any political  subdivision  thereof, or an
estate that is described in Section  7701(a)(30)(D) of the Code, or a trust that
is described in Section 7701(a)(30)(E) of the Code.

     Voting Rights:  The portion of the voting rights of all of the Certificates
which is allocated  to any  Certificate,  and more  specifically  designated  in
Article XI of the Series Supplement.

        Section 1.02  Use of Words and Phrases.

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

                                              29

<PAGE>

                                   ARTICLE II

                          CONVEYANCE OF MORTGAGE LOANS;
                        ORIGINAL ISSUANCE OF CERTIFICATES

        Section 2.01  Conveyance of Mortgage Loans.

        (a) The Company,  concurrently  with the execution and delivery  hereof,
does hereby  assign to the Trustee  without  recourse  all the right,  title and
interest of the Company in and to the Mortgage Loans, including all interest and
principal  received on or with respect to the  Mortgage  Loans after the Cut-off
Date (other than payments of principal and interest due on the Mortgage Loans on
or before the Cut-off Date).  In connection  with such transfer and  assignment,
the Company  does  hereby  deliver to the  Trustee  the  Certificate  Policy (as
defined in the Series Supplement), if any.

        (b) In connection with such  assignment,  except as set forth in Section
2.01(c) and subject to Section  2.01(d)  below,  the Company does hereby deliver
to, and deposit with, the Trustee, or to and with one or more Custodians, as the
duly  appointed  agent or agents of the Trustee for such purpose,  the following
documents or  instruments  (or copies  thereof as permitted by this Section) (I)
with respect to each Mortgage Loan so assigned (other than a Cooperative Loan):

                      (i) The original Mortgage Note,  endorsed without recourse
               to the order of the  Trustee  and  showing an  unbroken  chain of
               endorsements from the originator  thereof to the Person endorsing
               it to the  Trustee,  or with  respect to any  Destroyed  Mortgage
               Note, an original lost note  affidavit from the related Seller or
               Residential  Funding stating that the original  Mortgage Note was
               lost, misplaced or destroyed, together with a copy of the related
               Mortgage Note;

                      (ii) The original Mortgage, noting the presence of the MIN
               of the Mortgage  Loan and language  indicating  that the Mortgage
               Loan is a MOM  Loan if the  Mortgage  Loan  is a MOM  Loan,  with
               evidence of recording indicated thereon or a copy of the Mortgage
               with evidence of recording indicated thereon;

                      (iii)  Unless  the  Mortgage  Loan  is  registered  on the
               MERS(R)  System,  an original  Assignment  of the Mortgage to the
               Trustee with evidence of recording indicated thereon or a copy of
               such assignment with evidence of recording indicated thereon;

                      (iv) The original  recorded  assignment or  assignments of
               the  Mortgage  showing  an  unbroken  chain  of  title  from  the
               originator  thereof to the Person assigning it to the Trustee (or
               to MERS, if the Mortgage Loan is registered on the MERS(R) System
               and noting the  presence of a MIN) with  evidence of  recordation
               noted thereon or attached  thereto,  or a copy of such assignment
               or  assignments  of  the  Mortgage  with  evidence  of  recording
               indicated thereon; and

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                      (v)  The   original  of  each   modification,   assumption
               agreement or preferred loan agreement,  if any,  relating to such
               Mortgage  Loan  or  a  copy  of  each  modification,   assumption
               agreement or preferred loan agreement.

               and (II) with respect to each Cooperative Loan so assigned:

                      (i) The original Mortgage Note,  endorsed without recourse
               to the order of the  Trustee  and  showing an  unbroken  chain of
               endorsements from the originator  thereof to the Person endorsing
               it to the  Trustee,  or with  respect to any  Destroyed  Mortgage
               Note, an original lost note  affidavit from the related Seller or
               Residential  Funding stating that the original  Mortgage Note was
               lost, misplaced or destroyed, together with a copy of the related
               Mortgage Note;

                      (ii)  A  counterpart  of the  Cooperative  Lease  and  the
               Assignment  of  Proprietary   Lease  to  the  originator  of  the
               Cooperative Loan with intervening assignments showing an unbroken
               chain of title from such originator to the Trustee;

                      (iii)   The   related   Cooperative   Stock   Certificate,
               representing the related  Cooperative  Stock pledged with respect
               to such  Cooperative  Loan,  together with an undated stock power
               (or other similar instrument) executed in blank;

                    (iv) The original  recognition  agreement by the Cooperative
               of the  interests  of the  mortgagee  with respect to the related
               Cooperative Loan;

                      (v)    The Security Agreement;

                      (vi) Copies of the original UCC-1 financing statement, and
               any  continuation  statements,  filed by the  originator  of such
               Cooperative  Loan  as  secured  party,   each  with  evidence  of
               recording  thereof,  evidencing  the  interest of the  originator
               under the Security  Agreement and the  Assignment of  Proprietary
               Lease;

                      (vii)  Copies  of  the  filed  UCC-3  assignments  of  the
               security  interest  referenced  in clause  (vi) above  showing an
               unbroken chain of title from the originator to the Trustee,  each
               with evidence of recording  thereof,  evidencing  the interest of
               the originator under the Security Agreement and the Assignment of
               Proprietary Lease;

                      (viii)  An  executed  assignment  of the  interest  of the
               originator in the Security  Agreement,  Assignment of Proprietary
               Lease and the  recognition  agreement  referenced  in clause (iv)
               above,  showing an unbroken chain of title from the originator to
               the Trustee;

                      (ix)  The  original  of  each   modification,   assumption
               agreement or preferred loan agreement,  if any,  relating to such
               Cooperative Loan; and

                      (x) A duly completed UCC-1 financing statement showing the
               Master  Servicer as debtor,  the Company as secured party and the
               Trustee as assignee and a

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               duly completed UCC-1 financing  statement  showing the Company as
               debtor  and  the  Trustee  as  secured  party,  each  in  a  form
               sufficient for filing, evidencing the interest of such debtors in
               the Cooperative Loans.

        (c) The Company may, in lieu of delivering the original of the documents
set  forth  in  Section   2.01(b)(I)(ii),   (iii),  (iv)  and  (v)  and  Section
(b)(II)(ii),  (iv),  (vii),  (ix) and (x) (or  copies  thereof as  permitted  by
Section  2.01(b)) to the Trustee or the  Custodian or  Custodians,  deliver such
documents  to the  Master  Servicer,  and the  Master  Servicer  shall hold such
documents  in  trust  for  the  use  and  benefit  of  all  present  and  future
Certificateholders until such time as is set forth in the next sentence.  Within
thirty Business Days following the earlier of (i) the receipt of the original of
all of the documents or instruments set forth in Section 2.01(b)(I)(ii),  (iii),
(iv) and (v) and  Section  (b)(II)(ii),  (iv),  (vii),  (ix) and (x) (or  copies
thereof as permitted by such  Section) for any Mortgage  Loan and (ii) a written
request by the Trustee to deliver those  documents with respect to any or all of
the Mortgage Loans then being held by the Master  Servicer,  the Master Servicer
shall  deliver a complete set of such  documents to the Trustee or the Custodian
or Custodians that are the duly appointed agent or agents of the Trustee.

        (d)  Notwithstanding  the provisions of Section  2.01(c),  in connection
with any  Mortgage  Loan,  if the Company  cannot  deliver  the  original of the
Mortgage, any assignment,  modification,  assumption agreement or preferred loan
agreement  (or copy thereof as permitted by Section  2.01(b))  with  evidence of
recording thereon concurrently with the execution and delivery of this Agreement
because  of (i) a  delay  caused  by the  public  recording  office  where  such
Mortgage,  assignment,  modification,  assumption  agreement or  preferred  loan
agreement  as the case may be, has been  delivered  for  recordation,  or (ii) a
delay in the  receipt of certain  information  necessary  to prepare the related
assignments,  the Company  shall deliver or cause to be delivered to the Trustee
or the respective Custodian a copy of such Mortgage,  assignment,  modification,
assumption agreement or preferred loan agreement.

        The Company  shall  promptly  cause to be  recorded  in the  appropriate
public office for real  property  records the  Assignment  referred to in clause
(I)(iii)  of Section  2.01(b),  except (a) in states  where,  in the  opinion of
counsel acceptable to the Trustee and the Master Servicer, such recording is not
required to protect the  Trustee's  interests in the  Mortgage  Loan against the
claim of any  subsequent  transferee  or any  successor  to or  creditor  of the
Company or the  originator of such Mortgage Loan or (b) if MERS is identified on
the  Mortgage  or on a  properly  recorded  assignment  of the  Mortgage  as the
mortgagee  of record  solely as nominee  for the Seller and its  successors  and
assigns,  and shall  promptly  cause to be filed the Form UCC-3  assignment  and
UCC-1 financing statement referred to in clause (II)(vii) and (x), respectively,
of Section 2.01(b). If any Assignment,  Form UCC-3 or Form UCC-1, as applicable,
is lost or returned unrecorded to the Company because of any defect therein, the
Company  shall  prepare a substitute  Assignment,  Form UCC-3 or Form UCC-1,  as
applicable,  or cure such defect,  as the case may be, and cause such Assignment
to be recorded in accordance  with this  paragraph.  The Company shall  promptly
deliver or cause to be delivered to the Trustee or the respective Custodian such
Mortgage or  Assignment  or Form UCC-3 or Form UCC-1,  as  applicable,  (or copy
thereof as permitted by Section  2.01(b)) with  evidence of recording  indicated
thereon  at the time  specified  in  Section  2.01(c).  In  connection  with its
servicing of Cooperative Loans, the Master Servicer will use its best efforts to
file timely continuation

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statements  with regard to each financing  statement and assignment  relating to
Cooperative  Loans as to which the  related  Cooperative  Apartment  is  located
outside of the State of New York.

        If the Company delivers to the Trustee or Custodian any Mortgage Note or
Assignment of Mortgage in blank, the Company shall, or shall cause the Custodian
to, complete the endorsement of the Mortgage Note and the Assignment of Mortgage
in the name of the Trustee in conjunction with the Interim  Certification issued
by the Custodian, as contemplated by Section 2.02.

        Any of the items set forth in Sections  2.01(b)(I)(ii),  (iii), (iv) and
(v) and  (II)(vi)  and (vii) and that may be delivered as a copy rather than the
original may be delivered to the Trustee or the Custodian.

        In connection with the assignment of any Mortgage Loan registered on the
MERS(R) System,  the Company further agrees that it will cause, at the Company's
own expense,  within 30 Business Days after the Closing Date, the MERS(R) System
to indicate  that such  Mortgage  Loans have been assigned by the Company to the
Trustee   in   accordance   with  this   Agreement   for  the   benefit  of  the
Certificateholders  by including  (or  deleting,  in the case of Mortgage  Loans
which are  repurchased in accordance with this Agreement) in such computer files
(a) the code in the field which identifies the specific Trustee and (b) the code
in the field "Pool Field" which identifies the series of the Certificates issued
in connection with such Mortgage Loans.  The Company further agrees that it will
not, and will not permit the Master  Servicer to, and the Master Servicer agrees
that it will not,  alter the codes  referenced in this paragraph with respect to
any  Mortgage  Loan  during  the term of this  Agreement  unless  and until such
Mortgage Loan is repurchased in accordance with the terms of this Agreement.

        (e)  Residential  Funding  hereby  assigns to the Trustee  its  security
interest in and to any  Additional  Collateral or Pledged  Assets,  its right to
receive amounts due or to become due in respect of any Additional  Collateral or
Pledged Assets pursuant to the related Subservicing  Agreement and its rights as
beneficiary under the Surety Bond in respect of any Additional Collateral Loans.
With  respect  to  any  Additional   Collateral  Loan  or  Pledged  Asset  Loan,
Residential Funding shall cause to be filed in the appropriate  recording office
a UCC-3  statement  giving  notice of the  assignment  of the  related  security
interest to the Trust Fund and shall  thereafter  cause the timely filing of all
necessary continuation statements with regard to such financing statements.

        (f) It is intended that the  conveyance by the Company to the Trustee of
the   Mortgage   Loans  as  provided  for  in  this  Section  2.01  be  and  the
Uncertificated  REMIC  Regular  Interests,  if any (as  provided  for in Section
2.06),  be  construed  as a sale by the Company to the  Trustee of the  Mortgage
Loans and any  Uncertificated  REMIC  Regular  Interests  for the benefit of the
Certificateholders.  Further,  it is not intended that such conveyance be deemed
to be a pledge  of the  Mortgage  Loans  and any  Uncertificated  REMIC  Regular
Interests by the Company to the Trustee to secure a debt or other  obligation of
the Company. However, if the Mortgage Loans and any Uncertificated REMIC Regular
Interests are held to be property of the Company or of Residential  Funding,  or
if for any reason this Agreement is held or deemed to create a security interest
in the Mortgage Loans and any Uncertificated REMIC Regular Interests, then it is
intended  that (a) this  Agreement  shall be a  security  agreement  within  the
meaning of  Articles  8 and 9 of the New York  Uniform  Commercial  Code and the
Uniform Commercial Code of any other applicable jurisdiction;

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(b) the  conveyance  provided  for in  Section  2.01  shall be deemed to be, and
hereby is, (1) a grant by the Company to the  Trustee of a security  interest in
all of the Company's right (including the power to convey title thereto),  title
and  interest,  whether now owned or hereafter  acquired,  in and to any and all
general intangibles, payment intangibles,  accounts, chattel paper, instruments,
documents,  money, deposit accounts,  certificates of deposit, goods, letters of
credit, advices of credit and investment property and other property of whatever
kind or description  now existing or hereafter  acquired  consisting of, arising
from or relating to any of the following:  (A) the Mortgage Loans, including (i)
with respect to each  Cooperative  Loan,  the related  Mortgage  Note,  Security
Agreement,  Assignment of Proprietary  Lease,  Cooperative Stock Certificate and
Cooperative  Lease,  (ii)  with  respect  to each  Mortgage  Loan  other  than a
Cooperative  Loan,  the  related  Mortgage  Note and  Mortgage,  and  (iii)  any
insurance policies and all other documents in the related Mortgage File, (B) all
amounts  payable  pursuant to the Mortgage  Loans in  accordance  with the terms
thereof,  (C) any Uncertificated REMIC Regular Interests and (D) all proceeds of
the  conversion,   voluntary  or  involuntary,   of  the  foregoing  into  cash,
instruments,  securities or other  property,  including  without  limitation all
amounts  from time to time held or  invested in the  Certificate  Account or the
Custodial Account, whether in the form of cash, instruments, securities or other
property  and (2) an  assignment  by the Company to the Trustee of any  security
interest in any and all of Residential  Funding's right  (including the power to
convey  title  thereto),  title and  interest,  whether  now owned or  hereafter
acquired, in and to the property described in the foregoing clauses (1)(A), (B),
(C) and (D)  granted by  Residential  Funding  to the  Company  pursuant  to the
Assignment  Agreement;  (c) the possession by the Trustee,  the Custodian or any
other agent of the Trustee of Mortgage  Notes or such other items of property as
constitute instruments, money, payment intangibles, negotiable documents, goods,
deposit accounts,  letters of credit,  advices of credit,  investment  property,
certificated  securities or chattel paper shall be deemed to be  "possession  by
the secured party," or possession by a purchaser or a person  designated by such
secured party, for purposes of perfecting the security  interest pursuant to the
Minnesota Uniform  Commercial Code and the Uniform  Commercial Code of any other
applicable  jurisdiction as in effect (including,  without limitation,  Sections
8-106,  9-313 and 9-106 thereof);  and (d) notifications to persons holding such
property,  and  acknowledgments,  receipts or confirmations from persons holding
such property, shall be deemed notifications to, or acknowledgments, receipts or
confirmations from, securities intermediaries,  bailees or agents of, or persons
holding for (as  applicable)  the Trustee  for the  purpose of  perfecting  such
security interest under applicable law.

        The Company and, at the Company's direction, Residential Funding and the
Trustee  shall,  to  the  extent  consistent  with  this  Agreement,  take  such
reasonable  actions as may be necessary to ensure that, if this  Agreement  were
determined  to  create  a  security   interest  in  the  Mortgage   Loans,   any
Uncertificated  REMIC Regular Interests and the other property  described above,
such security  interest would be determined to be a perfected  security interest
of first priority under applicable law and will be maintained as such throughout
the term of this  Agreement.  Without  limiting the generality of the foregoing,
the Company shall prepare and deliver to the Trustee not less than 15 days prior
to any filing date and, the Trustee shall forward for filing,  or shall cause to
be forwarded for filing, at the expense of the Company, all filings necessary to
maintain the  effectiveness of any original filings  necessary under the Uniform
Commercial  Code as in effect  in any  jurisdiction  to  perfect  the  Trustee's
security interest in or lien on the Mortgage Loans and any Uncertificated  REMIC
Regular  Interests,  as evidenced by an  Officers'  Certificate  of the Company,
including  without  limitation (x) continuation  statements,  and (y) such other
statements as may be occasioned

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<PAGE>

by (1) any change of name of  Residential  Funding,  the  Company or the Trustee
(such  preparation  and  filing  shall  be at the  expense  of the  Trustee,  if
occasioned by a change in the Trustee's name), (2) any change of location of the
place of business or the chief  executive  office of Residential  Funding or the
Company,  (3) any transfer of any interest of Residential Funding or the Company
in any Mortgage Loan or (4) any transfer of any interest of Residential  Funding
or the Company in any Uncertificated REMIC Regular Interest.

        (g) The Master  Servicer  hereby  acknowledges  the receipt by it of the
Initial  Monthly  Payment  Fund.  The Master  Servicer  shall hold such  Initial
Monthly  Payment Fund in the  Custodial  Account and shall  include such Initial
Monthly  Payment  Fund in the  Available  Distribution  Amount  for the  initial
Distribution Date.  Notwithstanding anything herein to the contrary, the Initial
Monthly  Payment Fund shall not be an asset of any REMIC. To the extent that the
Initial Monthly  Payment Fund  constitutes a reserve fund for federal income tax
purposes, (1) it shall be an outside reserve fund and not an asset of any REMIC,
(2) it shall be owned by the Seller and (3) amounts  transferred by any REMIC to
the Initial  Monthly  Payment Fund shall be treated as transferred to the Seller
or any successor,  all within the meaning of Section 1.860G-2(h) of the Treasury
Regulations.

        (h) The Company agrees that the sale of each Pledged Asset Loan pursuant
to this  Agreement  will also  constitute the  assignment,  sale,  setting-over,
transfer and  conveyance  to the Trustee,  without  recourse (but subject to the
Company's  covenants,   representations  and  warranties  specifically  provided
herein),  of all of the Company's  obligations  and all of the Company's  right,
title and interest in, to and under,  whether now existing or hereafter acquired
as owner of the Mortgage  Loan with respect to all money,  securities,  security
entitlements,    accounts,   general   intangibles,    instruments,   documents,
certificates of deposit,  commodities  contracts,  and other investment property
and other property of whatever kind or  description  consisting of, arising from
or related to (i) the Assigned Contracts,  (ii) all rights,  powers and remedies
of the Company as owner of such Mortgage  Loan under or in  connection  with the
Assigned Contracts,  whether arising under the terms of such Assigned Contracts,
by statute,  at law or in equity, or otherwise arising out of any default by the
Mortgagor  under or in  connection  with the Assigned  Contracts,  including all
rights  to  exercise  any  election  or  option  or  to  make  any  decision  or
determination  or to give or receive  any  notice,  consent,  approval or waiver
thereunder,  (iii) all security interests in and lien of the Company as owner of
such Mortgage Loan in the Pledged  Amounts and all money,  securities,  security
entitlements,    accounts,   general   intangibles,    instruments,   documents,
certificates of deposit,  commodities  contracts,  and other investment property
and other  property of whatever  kind or  description  and all cash and non-cash
proceeds of the sale,  exchange,  or redemption  of, and all stock or conversion
rights,  rights  to  subscribe,  liquidation  dividends  or  preferences,  stock
dividends,  rights to interest,  dividends,  earnings,  income,  rents,  issues,
profits, interest payments or other distributions of cash or other property that
is credited to the  Custodial  Account,  (iv) all  documents,  books and records
concerning the foregoing  (including  all computer  programs,  tapes,  disks and
related items containing any such  information)  and (v) all insurance  proceeds
(including  proceeds  from the  Federal  Deposit  Insurance  Corporation  or the
Securities  Investor  Protection  Corporation or any other insurance company) of
any of the foregoing or replacements thereof or substitutions therefor, proceeds
of proceeds and the conversion,  voluntary or involuntary,  of any thereof.  The
foregoing transfer,  sale,  assignment and conveyance does not constitute and is
not intended to result in the creation,  or an assumption by the Trustee, of any
obligation of the Company, or any other person in

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connection with the Pledged Assets or under any agreement or instrument relating
thereto,  including any obligation to the Mortgagor,  other than as owner of the
Mortgage Loan.

        Section 2.02  Acceptance by Trustee.

        The Trustee  acknowledges  receipt (or,  with respect to Mortgage  Loans
subject  to  a  Custodial  Agreement,   and  based  solely  upon  a  receipt  or
certification executed by the Custodian,  receipt by the respective Custodian as
the duly appointed agent of the Trustee) of the documents referred to in Section
2.01(b)(I)(i)  and Section  2.01(b)(II)(i),  (iii),  (v),  (vi) and (viii) above
(except that for purposes of such  acknowledgment  only, a Mortgage  Note may be
endorsed in blank) and declares that it, or a Custodian as its agent,  holds and
will hold such  documents  and the other  documents  constituting  a part of the
Mortgage Files  delivered to it, or a Custodian as its agent,  and the rights of
Residential  Funding with respect to any Pledged Assets,  Additional  Collateral
and the Surety Bond  assigned to the Trustee  pursuant to Section 2.01, in trust
for the use and  benefit  of all  present  and  future  Certificateholders.  The
Trustee or  Custodian  (such  Custodian  being so  obligated  under a  Custodial
Agreement)  agrees,  for the  benefit  of  Certificateholders,  to  review  each
Mortgage File  delivered to it pursuant to Section  2.01(b) within 45 days after
the Closing Date to ascertain that all required  documents  (specifically as set
forth in  Section  2.01(b)),  have been  executed  and  received,  and that such
documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule,
as supplemented,  that have been conveyed to it, and to deliver to the Trustee a
certificate  (the  "Interim  Certification")  to the effect  that all  documents
required to be delivered  pursuant to Section  2.01(b)  above have been executed
and received and that such documents  relate to the Mortgage Loans identified on
the  Mortgage  Loan  Schedule,  except for any  exceptions  listed on Schedule A
attached to such Interim  Certification.  Upon delivery of the Mortgage Files by
the Company or the Master Servicer,  the Trustee shall acknowledge  receipt (or,
with  respect to  Mortgage  Loans  subject to a Custodial  Agreement,  and based
solely upon a receipt or certification executed by the Custodian, receipt by the
respective  Custodian  as  the  duly  appointed  agent  of the  Trustee)  of the
documents referred to in Section 2.01(c) above.

        If  the  Custodian,  as the  Trustee's  agent,  finds  any  document  or
documents constituting a part of a Mortgage File to be missing or defective, the
Trustee shall promptly so notify the Master  Servicer and the Company.  Pursuant
to Section 2.3 of the Custodial Agreement,  the Custodian will notify the Master
Servicer, the Company and the Trustee of any such omission or defect found by it
in respect of any Mortgage  File held by it in respect of the items  reviewed by
it pursuant to the Custodial  Agreement.  If such omission or defect  materially
and  adversely  affects  the  interests  of the  Certificateholders,  the Master
Servicer  shall  promptly  notify  the  related  Subservicer  or  Seller of such
omission or defect and request that such  Subservicer  or Seller correct or cure
such  omission or defect  within 60 days from the date the Master  Servicer  was
notified of such omission or defect and, if such  Subservicer or Seller does not
correct  or  cure  such  omission  or  defect  within  such  period,  that  such
Subservicer  or Seller  purchase  such  Mortgage Loan from the Trust Fund at its
Purchase  Price, in either case within 90 days from the date the Master Servicer
was notified of such omission or defect; provided that if the omission or defect
would cause the Mortgage Loan to be other than a "qualified mortgage" as defined
in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within
90 days from the date such breach was  discovered.  The  Purchase  Price for any
such Mortgage Loan, whether purchased by the Seller or the Subservicer, shall be
deposited  or caused to be  deposited  by the Master  Servicer in the  Custodial
Account maintained by it pursuant to Section 3.07

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and, upon receipt by the Trustee of written  notification of such deposit signed
by a Servicing Officer, the Trustee or any Custodian,  as the case may be, shall
release to the Master  Servicer the related  Mortgage File and the Trustee shall
execute and deliver such  instruments of transfer or assignment  prepared by the
Master Servicer, in each case without recourse, as shall be necessary to vest in
the Seller or its designee or the  Subservicer or its designee,  as the case may
be, any Mortgage Loan released pursuant hereto and thereafter such Mortgage Loan
shall not be part of the Trust Fund. In  furtherance  of the  foregoing,  if the
Subservicer or Seller that repurchases the Mortgage Loan is not a member of MERS
and the Mortgage is registered on the MERS(R) System,  the Master  Servicer,  at
its own  expense and  without  any right of  reimbursement,  shall cause MERS to
execute and deliver an assignment of the Mortgage in recordable form to transfer
the  Mortgage  from MERS to such  Subservicer  or Seller  and shall  cause  such
Mortgage to be removed from  registration  on the MERS(R)  System in  accordance
with  MERS'  rules  and  regulations.  It is  understood  and  agreed  that  the
obligation of the Seller or the  Subservicer,  as the case may be, to so cure or
purchase  any  Mortgage  Loan as to which a material  and  adverse  defect in or
omission of a  constituent  document  exists  shall  constitute  the sole remedy
respecting  such  defect or  omission  available  to  Certificateholders  or the
Trustee on behalf of the Certificateholders.

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

        (a) The Master  Servicer  hereby  represents and warrants to the Trustee
for the benefit of the Certificateholders that:

                      (i) The Master  Servicer is a corporation  duly organized,
               validly  existing and in good standing  under the laws  governing
               its creation and existence  and is or will be in compliance  with
               the laws of each state in which any Mortgaged Property is located
               to the  extent  necessary  to ensure the  enforceability  of each
               Mortgage Loan in accordance with the terms of this Agreement;

                      (ii) The execution  and delivery of this  Agreement by the
               Master Servicer and its performance and compliance with the terms
               of  this  Agreement  will  not  violate  the  Master   Servicer's
               Certificate of  Incorporation  or Bylaws or constitute a material
               default  (or an event  which,  with  notice or lapse of time,  or
               both,  would  constitute a material  default) under, or result in
               the material breach of, any material contract, agreement or other
               instrument  to which the Master  Servicer is a party or which may
               be applicable to the Master Servicer or any of its assets;

                      (iii)  This   Agreement,   assuming   due   authorization,
               execution   and   delivery  by  the  Trustee  and  the   Company,
               constitutes a valid,  legal and binding  obligation of the Master
               Servicer,  enforceable  against it in  accordance  with the terms
               hereof    subject   to   applicable    bankruptcy,    insolvency,
               reorganization,   moratorium   and  other  laws   affecting   the
               enforcement  of  creditors'   rights  generally  and  to  general
               principles of equity,  regardless of whether such  enforcement is
               considered in a proceeding in equity or at law;

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<PAGE>

                      (iv) The Master Servicer is not in default with respect to
               any  order or decree of any  court or any  order,  regulation  or
               demand of any federal,  state,  municipal or governmental agency,
               which default might have  consequences  that would materially and
               adversely affect the condition (financial or other) or operations
               of  the  Master   Servicer  or  its   properties  or  might  have
               consequences   that  would   materially   adversely   affect  its
               performance hereunder;

                      (v) No litigation is pending or, to the best of the Master
               Servicer's  knowledge,  threatened  against  the Master  Servicer
               which  would   prohibit  its  entering  into  this  Agreement  or
               performing its obligations under this Agreement;

                      (vi) The  Master  Servicer  will  comply  in all  material
               respects in the performance of this Agreement with all reasonable
               rules  and  requirements  of each  insurer  under  each  Required
               Insurance Policy;

                      (vii) No information, certificate of an officer, statement
               furnished  in writing or report  delivered  to the  Company,  any
               Affiliate  of the Company or the  Trustee by the Master  Servicer
               will, to the knowledge of the Master Servicer, contain any untrue
               statement of a material fact or omit a material fact necessary to
               make  the  information,  certificate,  statement  or  report  not
               misleading;

                      (viii) The Master Servicer has examined each existing, and
               will examine each new,  Subservicing  Agreement and is or will be
               familiar  with the  terms  thereof.  The  terms of each  existing
               Subservicing   Agreement  and  each  designated  Subservicer  are
               acceptable  to the  Master  Servicer  and  any  new  Subservicing
               Agreements will comply with the provisions of Section 3.02; and

                      (ix)  The  Master  Servicer  is a  member  of MERS in good
               standing, and will comply in all material respects with the rules
               and  procedures of MERS in  connection  with the servicing of the
               Mortgage Loans that are registered with MERS.

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

        Upon discovery by either the Company,  the Master Servicer,  the Trustee
or any Custodian of a breach of any representation or warranty set forth in this
Section  2.03(a) which  materially  and  adversely  affects the interests of the
Certificateholders in any Mortgage Loan, the party discovering such breach shall
give  prompt  written  notice  to the  other  parties  (any  Custodian  being so
obligated under a Custodial  Agreement).  Within 90 days of its discovery or its
receipt of notice of such breach, the Master Servicer shall either (i) cure such
breach in all  material  respects or (ii) to the extent that such breach is with
respect to a Mortgage  Loan or a related  document,  purchase such Mortgage Loan
from the Trust Fund at the Purchase Price and in the manner set forth in Section
2.02;  provided  that if the omission or defect would cause the Mortgage Loan to
be other than a  "qualified  mortgage" as defined in Section  860G(a)(3)  of the
Code,  any such cure or repurchase  must occur within 90 days from the date such
breach was discovered. The obligation of the Master

                                              38

<PAGE>

Servicer  to cure  such  breach  or to so  purchase  such  Mortgage  Loan  shall
constitute  the sole  remedy  in  respect  of a breach of a  representation  and
warranty set forth in this Section 2.03(a)  available to the  Certificateholders
or the Trustee on behalf of the Certificateholders.

        (b)  Representations  and warranties  relating to the Mortgage Loans are
set forth in Section 2.03(b) of the Series Supplement.

        Section 2.04  Representations and Warranties of Sellers.

        The Company,  as assignee of  Residential  Funding under the  Assignment
Agreement,  hereby assigns to the Trustee for the benefit of  Certificateholders
all of its right, title and interest in respect of the Assignment  Agreement and
each Seller's  Agreement (to the extent assigned to the Company  pursuant to the
Assignment  Agreement)  applicable to a Mortgage Loan. Insofar as the Assignment
Agreement or the Company's  rights under such Seller's  Agreement  relate to the
representations and warranties made by Residential Funding or the related Seller
in respect of such Mortgage Loan and any remedies  provided  thereunder  for any
breach of such  representations  and warranties,  such right, title and interest
may be  enforced  by the  Master  Servicer  on  behalf  of the  Trustee  and the
Certificateholders.  Upon the discovery by the Company, the Master Servicer, the
Trustee  or  any  Custodian  of a  breach  of any  of  the  representations  and
warranties  made in a Seller's  Agreement that have been assigned to the Trustee
pursuant to this Section 2.04 or of a breach of any of the  representations  and
warranties made in the Assignment Agreement (which, for purposes hereof, will be
deemed to include any other cause giving rise to a repurchase  obligation  under
the Assignment  Agreement) in respect of any Mortgage Loan which  materially and
adversely affects the interests of the Certificateholders in such Mortgage Loan,
the party  discovering such breach shall give prompt written notice to the other
parties (any  Custodian  being so obligated  under a Custodial  Agreement).  The
Master Servicer shall promptly notify the related Seller or Residential Funding,
as the case may be, of such breach and request  that such Seller or  Residential
Funding,  as the case  may be,  either  (i) cure  such  breach  in all  material
respects  within 90 days from the date the Master  Servicer was notified of such
breach or (ii)  purchase  such Mortgage Loan from the Trust Fund at the Purchase
Price and in the manner set forth in Section 2.02;  provided that in the case of
a breach  under the  Assignment  Agreement  Residential  Funding  shall have the
option to  substitute  a Qualified  Substitute  Mortgage  Loan or Loans for such
Mortgage Loan if such substitution occurs within two years following the Closing
Date; provided that if the breach would cause the Mortgage Loan to be other than
a "qualified  mortgage" as defined in Section  860G(a)(3) of the Code,  any such
cure,  repurchase  or  substitution  must occur within 90 days from the date the
breach  was  discovered.  In  the  event  that  Residential  Funding  elects  to
substitute a Qualified  Substitute Mortgage Loan or Loans for a Deleted Mortgage
Loan  pursuant to this Section  2.04,  Residential  Funding shall deliver to the
Trustee for the benefit of the Certificateholders with respect to such Qualified
Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage,  an
Assignment  of the Mortgage in recordable  form if required  pursuant to Section
2.01,  and such other  documents and agreements as are required by Section 2.01,
with the Mortgage Note  endorsed as required by Section  2.01.  No  substitution
will be made in any calendar month after the Determination  Date for such month.
Monthly Payments due with respect to Qualified  Substitute Mortgage Loans in the
month of  substitution  shall not be part of the Trust Fund and will be retained
by the Master  Servicer  and  remitted  by the Master  Servicer  to  Residential
Funding on the next succeeding Distribution Date. For the month of substitution,
distributions to the Certificateholders  will include the Monthly Payment due on
a Deleted Mortgage

                                              39

<PAGE>

Loan for such month and  thereafter  Residential  Funding  shall be  entitled to
retain all amounts received in respect of such Deleted Mortgage Loan. The Master
Servicer shall amend or cause to be amended the Mortgage Loan Schedule,  and, if
the Deleted Mortgage Loan was a Discount Mortgage Loan, the Schedule of Discount
Fractions,  for the benefit of the  Certificateholders to reflect the removal of
such Deleted  Mortgage Loan and the  substitution  of the  Qualified  Substitute
Mortgage  Loan or Loans  and the  Master  Servicer  shall  deliver  the  amended
Mortgage  Loan  Schedule,  and,  if the  Deleted  Mortgage  Loan was a  Discount
Mortgage Loan, the amended Schedule of Discount Fractions,  to the Trustee. Upon
such  substitution,  the  Qualified  Substitute  Mortgage Loan or Loans shall be
subject to the terms of this Agreement and the related Subservicing Agreement in
all   respects,   the  related   Seller   shall  be  deemed  to  have  made  the
representations and warranties with respect to the Qualified Substitute Mortgage
Loan contained in the related Seller's Agreement as of the date of substitution,
insofar as Residential  Funding's rights in respect of such  representations and
warranties are assigned to the Company pursuant to the Assignment Agreement, and
the Company and the Master Servicer shall be deemed to have made with respect to
any Qualified Substitute Mortgage Loan or Loans, as of the date of substitution,
the covenants, representations and warranties set forth in this Section 2.04, in
Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master
Servicer  shall be obligated  to  repurchase  or  substitute  for any  Qualified
Substitute  Mortgage  Loan as to which a  Repurchase  Event (as  defined  in the
Assignment  Agreement)  has  occurred  pursuant  to Section 4 of the  Assignment
Agreement.

        In connection with the substitution of one or more Qualified  Substitute
Mortgage Loans for one or more Deleted  Mortgage Loans, the Master Servicer will
determine  the amount (if any) by which the aggregate  principal  balance of all
such Qualified  Substitute Mortgage Loans as of the date of substitution is less
than the aggregate Stated  Principal  Balance of all such Deleted Mortgage Loans
(in each case after application of the principal portion of the Monthly Payments
due  in  the  month  of   substitution   that  are  to  be  distributed  to  the
Certificateholders  in the month of  substitution).  Residential  Funding  shall
deposit the amount of such  shortfall  into the Custodial  Account on the day of
substitution, without any reimbursement therefor. Residential Funding shall give
notice  in  writing  to the  Trustee  of  such  event,  which  notice  shall  be
accompanied by an Officers'  Certificate as to the calculation of such shortfall
and  (subject to Section  10.01(f))  by an Opinion of Counsel to the effect that
such  substitution will not cause (a) any federal tax to be imposed on the Trust
Fund,  including  without  limitation,  any federal  tax imposed on  "prohibited
transactions"  under Section  860F(a)(1) of the Code or on "contributions  after
the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any
REMIC  to  fail  to  qualify  as  such  at any  time  that  any  Certificate  is
outstanding.

        It is  understood  and  agreed  that the  obligation  of the  Seller  or
Residential  Funding, as the case may be, to cure such breach or purchase (or in
the case of  Residential  Funding to  substitute  for) such  Mortgage Loan as to
which such a breach has occurred and is  continuing  shall  constitute  the sole
remedy respecting such breach available to the Certificateholders or the Trustee
on behalf of Certificateholders.  If the Master Servicer is Residential Funding,
then the Trustee shall also have the right to give the  notification and require
the purchase or substitution  provided for in the second preceding  paragraph in
the event of such a breach of a  representation  or warranty made by Residential
Funding in the  Assignment  Agreement.  In  connection  with the  purchase of or
substitution  for any such Mortgage  Loan by  Residential  Funding,  the Trustee
shall  assign to  Residential  Funding  all of the  Trustee's  right,  title and
interest  in respect of the  Seller's  Agreement  and the  Assignment  Agreement
applicable to such Mortgage Loan.

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<PAGE>

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

               As provided in Section 2.05 of the Series Supplement.

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

               As provided in Section 2.06 of the Series Supplement.

        Section 2.07 Issuance of Certificates Evidencing Interests in REMIC II.

               As provided in Section 2.07 of the Series Supplement.

        Section 2.08 Purposes and Powers of the Trust.

        The  purpose of the trust,  as  created  hereunder,  is to engage in the
following activities:

     (a) to sell the  Certificates  to the Company in exchange  for the Mortgage
Loans;

        (b)    to enter into and perform its obligations under this Agreement;

     (c)  to  engage  in  those  activities  that  are  necessary,  suitable  or
convenient to accomplish  the foregoing or are  incidental  thereto or connected
therewith; and

        (d) subject to compliance with this  Agreement,  to engage in such other
activities as may be required in connection with  conservation of the Trust Fund
and the making of distributions to the Certificateholders.

        The trust is hereby  authorized to engage in the  foregoing  activities.
Notwithstanding  the provisions of Section 11.01,  the trust shall not engage in
any  activity  other  than in  connection  with the  foregoing  or other than as
required or authorized by the terms of this Agreement  while any  Certificate is
outstanding,  and this Section  2.08 may not be amended,  without the consent of
the  Certificateholders  evidencing a majority of the aggregate Voting Rights of
the Certificates.

                                   ARTICLE III

                          ADMINISTRATION AND SERVICING
                                OF MORTGAGE LOANS

        Section 3.01  Master Servicer to Act as Servicer.

        (a) The Master  Servicer shall service and administer the Mortgage Loans
in accordance with the terms of this Agreement and the respective Mortgage Loans
and shall have full power and

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<PAGE>

authority,  acting alone or through Subservicers as provided in Section 3.02, to
do any and all things which it may deem  necessary  or  desirable in  connection
with such servicing and  administration.  Without limiting the generality of the
foregoing,  the Master  Servicer in its own name or in the name of a Subservicer
is hereby  authorized  and empowered by the Trustee when the Master  Servicer or
the  Subservicer,  as the  case  may be,  believes  it  appropriate  in its best
judgment,  to execute and deliver, on behalf of the  Certificateholders  and the
Trustee or any of them, any and all instruments of satisfaction or cancellation,
or of  partial or full  release or  discharge,  or of consent to  assumption  or
modification in connection with a proposed  conveyance,  or of assignment of any
Mortgage and Mortgage Note in connection  with the repurchase of a Mortgage Loan
and all other  comparable  instruments,  or with respect to the  modification or
re-recording  of a Mortgage  for the purpose of  correcting  the  Mortgage,  the
subordination  of the lien of the Mortgage in favor of a public utility  company
or government agency or unit with powers of eminent domain, the taking of a deed
in lieu of foreclosure, the commencement,  prosecution or completion of judicial
or  non-judicial  foreclosure,  the  conveyance  of a Mortgaged  Property to the
related Insurer, the acquisition of any property acquired by foreclosure or deed
in lieu of  foreclosure,  or the  management,  marketing  and  conveyance of any
property  acquired by foreclosure or deed in lieu of foreclosure with respect to
the Mortgage  Loans and with  respect to the  Mortgaged  Properties.  The Master
Servicer  further is authorized  and empowered by the Trustee,  on behalf of the
Certificateholders  and  the  Trustee,  in its own  name  or in the  name of the
Subservicer,  when the Master Servicer or the  Subservicer,  as the case may be,
believes it is appropriate in its best judgment to register any Mortgage Loan on
the MERS(R) System,  or cause the removal from the  registration of any Mortgage
Loan on the MERS(R) System, to execute and deliver, on behalf of the Trustee and
the Certificateholders or any of them, any and all instruments of assignment and
other comparable instruments with respect to such assignment or re- recording of
a  Mortgage  in the name of MERS,  solely as  nominee  for the  Trustee  and its
successors  and assigns.  Any expenses  incurred in connection  with the actions
described in the  preceding  sentence  shall be borne by the Master  Servicer in
accordance with Section 3.16(c), with no right of reimbursement;  provided, that
if, as a result of MERS discontinuing or becoming unable to continue  operations
in connection with the MERS System,  it becomes necessary to remove any Mortgage
Loan from  registration  on the MERS System and to arrange for the assignment of
the  related  Mortgages  to the  Trustee,  then any  related  expenses  shall be
reimbursable to the Master Servicer.  Notwithstanding the foregoing,  subject to
Section  3.07(a),  the Master  Servicer shall not permit any  modification  with
respect to any  Mortgage  Loan that would both  constitute a sale or exchange of
such  Mortgage  Loan  within the  meaning  of  Section  1001 of the Code and any
proposed,  temporary or final regulations  promulgated thereunder (other than in
connection  with a proposed  conveyance or assumption of such Mortgage Loan that
is treated as a Principal Prepayment in Full pursuant to Section 3.13(d) hereof)
and cause any REMIC formed under the Series  Supplement  to fail to qualify as a
REMIC under the Code.  The Trustee  shall  furnish the Master  Servicer with any
powers of attorney and other  documents  necessary or  appropriate to enable the
Master Servicer to service and administer the Mortgage Loans.  The Trustee shall
not be liable for any action  taken by the Master  Servicer  or any  Subservicer
pursuant  to such  powers  of  attorney.  In  servicing  and  administering  any
Nonsubserviced  Mortgage  Loan,  the Master  Servicer  shall,  to the extent not
inconsistent  with this  Agreement,  comply with the Program Guide as if it were
the  originator of such Mortgage Loan and had retained the servicing  rights and
obligations in respect thereof.  In connection with servicing and  administering
the Mortgage Loans, the Master Servicer and any Affiliate of the Master Servicer
(i) may perform services such as appraisals and brokerage  services that are not
customarily  provided by servicers of mortgage  loans,  and shall be entitled to
reasonable compensation therefor in

                                              42

<PAGE>

accordance  with Section 3.10 and (ii) may, at its own  discretion and on behalf
of the Trustee, obtain credit information in the form of a "credit score" from a
credit repository.

        (b) All costs  incurred  by the Master  Servicer or by  Subservicers  in
effecting the timely payment of taxes and assessments on the properties  subject
to the  Mortgage  Loans  shall  not,  for the  purpose  of  calculating  monthly
distributions to the Certificateholders,  be added to the amount owing under the
related Mortgage Loans,  notwithstanding that the terms of such Mortgage Loan so
permit,  and such costs shall be recoverable to the extent  permitted by Section
3.10(a)(ii).

        (c) The  Master  Servicer  may  enter  into  one or more  agreements  in
connection with the offering of pass-through  certificates  evidencing interests
in one or more of the  Certificates  providing  for the  payment  by the  Master
Servicer of amounts  received by the Master  Servicer as servicing  compensation
hereunder and required to cover certain  Prepayment  Interest  Shortfalls on the
Mortgage Loans, which payment obligation will thereafter be an obligation of the
Master Servicer hereunder.

          Section 3.02  Subservicing  Agreements  Between  Master  Servicer  and
               Subservicers;   Enforcement   of   Subservicers'   and   Sellers'
               Obligations.

        (a) The Master Servicer may continue in effect  Subservicing  Agreements
entered into by Residential  Funding and Subservicers prior to the execution and
delivery of this Agreement,  and may enter into new Subservicing Agreements with
Subservicers,  for  the  servicing  and  administration  of all or  some  of the
Mortgage Loans. Each Subservicer of a Mortgage Loan shall be entitled to receive
and retain,  as provided in the related  Subservicing  Agreement  and in Section
3.07, the related  Subservicing  Fee from payments of interest  received on such
Mortgage Loan after payment of all amounts required to be remitted to the Master
Servicer  in respect of such  Mortgage  Loan.  For any  Mortgage  Loan that is a
Nonsubserviced  Mortgage Loan, the Master  Servicer shall be entitled to receive
and retain an amount equal to the  Subservicing  Fee from  payments of interest.
Unless the context otherwise  requires,  references in this Agreement to actions
taken or to be taken by the Master  Servicer in  servicing  the  Mortgage  Loans
include  actions taken or to be taken by a  Subservicer  on behalf of the Master
Servicer.  Each Subservicing Agreement will be upon such terms and conditions as
are  generally   required  or  permitted  by  the  Program  Guide  and  are  not
inconsistent  with this Agreement and as the Master Servicer and the Subservicer
have agreed. A representative form of Subservicing Agreement is attached to this
Agreement as Exhibit E. With the approval of the Master Servicer,  a Subservicer
may  delegate its  servicing  obligations  to  third-party  servicers,  but such
Subservicer will remain obligated under the related Subservicing Agreement.  The
Master  Servicer  and a  Subservicer  may enter  into  amendments  thereto  or a
different form of Subservicing  Agreement,  and the form referred to or included
in the Program Guide is merely  provided for information and shall not be deemed
to limit in any respect the discretion of the Master Servicer to modify or enter
into  different  Subservicing  Agreements;  provided,  however,  that  any  such
amendments  or  different  forms  shall be  consistent  with and not violate the
provisions of either this Agreement or the Program Guide in a manner which would
materially and adversely affect the interests of the Certificateholders.

        (b) As part of its servicing activities hereunder,  the Master Servicer,
for the benefit of the Trustee  and the  Certificateholders,  shall use its best
reasonable efforts to enforce the obligations of

                                              43

<PAGE>

each  Subservicer  under the related  Subservicing  Agreement and of each Seller
under the  related  Seller's  Agreement  insofar as the  Company's  rights  with
respect to such  obligation has been assigned to the Trustee  hereunder,  to the
extent that the  non-performance  of any such Seller's  obligation  would have a
material and adverse effect on a Mortgage Loan,  including,  without limitation,
the   obligation   to  purchase  a  Mortgage   Loan  on  account  of   defective
documentation,  as  described  in Section  2.02,  or on account of a breach of a
representation  or warranty,  as described in Section  2.04.  Such  enforcement,
including,  without limitation,  the legal prosecution of claims, termination of
Subservicing Agreements or Seller's Agreements, as appropriate,  and the pursuit
of other appropriate remedies,  shall be in such form and carried out to such an
extent and at such time as the Master  Servicer  would  employ in its good faith
business  judgment  and  which are  normal  and  usual in its  general  mortgage
servicing  activities.   The  Master  Servicer  shall  pay  the  costs  of  such
enforcement at its own expense, and shall be reimbursed therefor only (i) from a
general  recovery  resulting from such  enforcement to the extent,  if any, that
such recovery exceeds all amounts due in respect of the related Mortgage Loan or
(ii) from a specific  recovery of costs,  expenses or attorneys fees against the
party against whom such  enforcement is directed.  For purposes of clarification
only,  the parties  agree that the  foregoing  is not intended to, and does not,
limit the ability of the Master  Servicer to be reimbursed for expenses that are
incurred in connection with the enforcement of a Seller's  obligations  (insofar
as the  Company's  rights with respect to such  Seller's  obligations  have been
assigned  to the Trustee  hereunder)  and are  reimbursable  pursuant to Section
3.10(a)(viii).

        Section 3.03  Successor Subservicers.

        The Master  Servicer  shall be entitled to  terminate  any  Subservicing
Agreement  that may exist in  accordance  with the terms and  conditions of such
Subservicing  Agreement and without any limitation by virtue of this  Agreement;
provided,  however,  that  in the  event  of  termination  of  any  Subservicing
Agreement by the Master Servicer or the  Subservicer,  the Master Servicer shall
either act as servicer of the related Mortgage Loan or enter into a Subservicing
Agreement with a successor  Subservicer  which will be bound by the terms of the
related  Subservicing  Agreement.  If the Master  Servicer or any  Affiliate  of
Residential  Funding  acts as  servicer,  it will not assume  liability  for the
representations  and  warranties of the  Subservicer  which it replaces.  If the
Master  Servicer   enters  into  a  Subservicing   Agreement  with  a  successor
Subservicer,  the  Master  Servicer  shall use  reasonable  efforts  to have the
successor  Subservicer assume liability for the  representations  and warranties
made by the terminated Subservicer in respect of the related Mortgage Loans and,
in the event of any such  assumption  by the successor  Subservicer,  the Master
Servicer may, in the exercise of its business  judgment,  release the terminated
Subservicer from liability for such representations and warranties.

        Section 3.04  Liability of the Master Servicer.

        Notwithstanding  any  Subservicing  Agreement,  any of the provisions of
this  Agreement  relating  to  agreements  or  arrangements  between  the Master
Servicer or a Subservicer or reference to actions taken through a Subservicer or
otherwise,  the Master Servicer shall remain obligated and liable to the Trustee
and the  Certificateholders  for the servicing and administering of the Mortgage
Loans in accordance  with the  provisions of Section 3.01 without  diminution of
such  obligation  or  liability  by virtue of such  Subservicing  Agreements  or
arrangements or by virtue of indemnification from the Subservicer or the Company
and to the same extent and under the same terms and

                                              44

<PAGE>

conditions as if the Master Servicer alone were servicing and  administering the
Mortgage  Loans.  The  Master  Servicer  shall be  entitled  to  enter  into any
agreement  with a  Subservicer  or  Seller  for  indemnification  of the  Master
Servicer  and nothing  contained in this  Agreement  shall be deemed to limit or
modify such indemnification.

          Section 3.05  No  Contractual  Relationship  Between  Subservicer  and
               Trustee or Certificateholders.

        Any  Subservicing  Agreement  that may be  entered  into  and any  other
transactions or services  relating to the Mortgage Loans involving a Subservicer
in its capacity as such and not as an  originator  shall be deemed to be between
the  Subservicer  and  the  Master  Servicer  alone  and  the  Trustee  and  the
Certificateholders shall not be deemed parties thereto and shall have no claims,
rights,  obligations,  duties or liabilities  with respect to the Subservicer in
its  capacity  as such  except  as set  forth in  Section  3.06.  The  foregoing
provision  shall  not in any way  limit a  Subservicer's  obligation  to cure an
omission or defect or to  repurchase  a Mortgage  Loan as referred to in Section
2.02 hereof.

          Section 3.06 Assumption or Termination of  Subservicing  Agreements by
               Trustee.

        (a) If the Master  Servicer shall for any reason no longer be the master
servicer (including by reason of an Event of Default), the Trustee, its designee
or its successor shall thereupon assume all of the rights and obligations of the
Master  Servicer  under each  Subservicing  Agreement that may have been entered
into. The Trustee,  its designee or the successor servicer for the Trustee shall
be deemed to have assumed all of the Master  Servicer's  interest therein and to
have replaced the Master  Servicer as a party to the  Subservicing  Agreement to
the same  extent  as if the  Subservicing  Agreement  had been  assigned  to the
assuming party except that the Master  Servicer shall not thereby be relieved of
any liability or obligations under the Subservicing Agreement.

        (b) The Master  Servicer  shall,  upon request of the Trustee but at the
expense of the Master Servicer,  deliver to the assuming party all documents and
records  relating to each  Subservicing  Agreement  and the Mortgage  Loans then
being  serviced  and an  accounting  of  amounts  collected  and  held by it and
otherwise use its best efforts to effect the orderly and  efficient  transfer of
each Subservicing Agreement to the assuming party.

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

        (a) The Master  Servicer  shall make  reasonable  efforts to collect all
payments  called for under the terms and provisions of the Mortgage  Loans,  and
shall, to the extent such procedures shall be consistent with this Agreement and
the terms and provisions of any related Primary  Insurance  Policy,  follow such
collection procedures as it would employ in its good faith business judgment and
which  are  normal  and  usual in its  general  mortgage  servicing  activities.
Consistent  with the  foregoing,  the Master  Servicer may in its discretion (i)
waive any late payment  charge or any prepayment  charge or penalty  interest in
connection  with the  prepayment of a Mortgage Loan and (ii) extend the Due Date
for  payments  due on a Mortgage  Loan in  accordance  with the  Program  Guide;
provided,  however, that the Master Servicer shall first determine that any such
waiver or

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extension will not impair the coverage of any related Primary  Insurance  Policy
or materially adversely affect the lien of the related Mortgage. In the event of
any such  arrangement,  the Master  Servicer  shall make timely  advances on the
related  Mortgage  Loan  during  the  scheduled  period in  accordance  with the
amortization  schedule of such  Mortgage  Loan without  modification  thereof by
reason of such  arrangements  unless  otherwise  agreed to by the Holders of the
Classes  of  Certificates  affected  thereby;  provided,  however,  that no such
extension shall be made if any such advance would be a  Nonrecoverable  Advance.
Consistent with the terms of this Agreement, the Master Servicer may also waive,
modify or vary any term of any Mortgage Loan or consent to the  postponement  of
strict  compliance  with any such term or in any manner grant  indulgence to any
Mortgagor if in the Master Servicer's  determination such waiver,  modification,
postponement  or  indulgence is not  materially  adverse to the interests of the
Certificateholders  (taking into account any estimated  Realized Loss that might
result absent such action); provided,  however, that the Master Servicer may not
modify  materially  or permit  any  Subservicer  to modify  any  Mortgage  Loan,
including  without  limitation any  modification  that would change the Mortgage
Rate,  forgive the payment of any  principal or interest  (unless in  connection
with the  liquidation of the related  Mortgage Loan or except in connection with
prepayments to the extent that such  reamortization is not inconsistent with the
terms of the Mortgage  Loan), or extend the final maturity date of such Mortgage
Loan,  unless such Mortgage Loan is in default or, in the judgment of the Master
Servicer, such default is reasonably foreseeable; and provided, further, that no
such  modification  shall reduce the interest  rate on a Mortgage Loan below the
sum of the Pool Strip Rate and the sum of the rates at which the  Servicing  Fee
and the  Subservicing  Fee  with  respect  to such  Mortgage  Loan  accrues.  In
connection with any Curtailment of a Mortgage Loan, the Master Servicer,  to the
extent not  inconsistent  with the terms of the Mortgage  Note and local law and
practice,  may permit the Mortgage Loan to be reamortized  such that the Monthly
Payment is  recalculated  as an amount that will fully  amortize  the  remaining
Stated  Principal  Balance  thereof by the original  Maturity  Date based on the
original  Mortgage  Rate;  provided,  that  such  re-amortization  shall  not be
permitted if it would  constitute a reissuance  of the Mortgage Loan for federal
income  tax  purposes,  except  if such  reissuance  is  described  in  Treasury
Regulation Section 1.860G-2(b)(3).

        (b) The Master Servicer shall establish and maintain a Custodial Account
in which the Master  Servicer  shall deposit or cause to be deposited on a daily
basis, except as otherwise  specifically provided herein, the following payments
and  collections  remitted by  Subservicers  or received by it in respect of the
Mortgage  Loans  subsequent  to the  Cut-off  Date  (other  than in  respect  of
principal and interest on the Mortgage Loans due on or before the Cut-off Date):

                      (i)  All  payments  on  account  of  principal,  including
               Principal  Prepayments  made by Mortgagors on the Mortgage  Loans
               and the principal  component of any Subservicer Advance or of any
               REO  Proceeds  received in  connection  with an REO  Property for
               which an REO Disposition has occurred;

                      (ii) All  payments on account of interest at the  Adjusted
               Mortgage Rate on the Mortgage Loans,  including Buydown Funds, if
               any, and the interest component of any Subservicer  Advance or of
               any REO Proceeds  received in connection with an REO Property for
               which an REO Disposition has occurred;

                                              46

<PAGE>

                    (iii) Insurance  Proceeds and  Liquidation  Proceeds (net of
               any related expenses of the Subservicer);

                      (iv) All proceeds of any Mortgage Loans purchased pursuant
               to Section 2.02,  2.03, 2.04 or 4.07 and all amounts  required to
               be deposited in connection  with the  substitution of a Qualified
               Substitute Mortgage Loan pursuant to Section 2.03 or 2.04;

                    (v) Any amounts required to be deposited pursuant to Section
               3.07(c) or 3.21;

                    (vi) All amounts transferred from the Certificate Account to
               the Custodial Account in accordance with Section 4.02(a);

                    (vii) Any amounts  realized by the  Subservicer and received
               by the Master  Servicer in respect of any Additional  Collateral;
               and

                    (viii)  Any  amounts  received  by the  Master  Servicer  in
               respect of Pledged Assets.

        The foregoing requirements for deposit in the Custodial Account shall be
exclusive,  it being understood and agreed that, without limiting the generality
of the foregoing, payments on the Mortgage Loans which are not part of the Trust
Fund  (consisting  of  payments  in respect of  principal  and  interest  on the
Mortgage Loans due on or before the Cut-off Date) and payments or collections in
the nature of prepayment  charges or late payment charges or assumption fees may
but need not be deposited by the Master  Servicer in the Custodial  Account.  In
the event any amount not required to be deposited in the Custodial Account is so
deposited,  the Master  Servicer may at any time  withdraw  such amount from the
Custodial  Account,  any provision herein to the contrary  notwithstanding.  The
Custodial  Account  may  contain  funds that  belong to one or more trust  funds
created for mortgage  pass-through  certificates of other series and may contain
other  funds  respecting  payments  on mortgage  loans  belonging  to the Master
Servicer  or   serviced   or  master   serviced  by  it  on  behalf  of  others.
Notwithstanding  such  commingling  of funds,  the  Master  Servicer  shall keep
records that  accurately  reflect the funds on deposit in the Custodial  Account
that have been identified by it as being attributable to the Mortgage Loans.

        With respect to Insurance Proceeds,  Liquidation Proceeds,  REO Proceeds
and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02,
2.03,  2.04 and 4.07  received in any calendar  month,  the Master  Servicer may
elect to treat such amounts as included in the Available Distribution Amount for
the Distribution Date in the month of receipt, but is not obligated to do so. If
the Master Servicer so elects, such amounts will be deemed to have been received
(and any related Realized Loss shall be deemed to have occurred) on the last day
of the month prior to the receipt thereof.

        (c) The  Master  Servicer  shall  use its  best  efforts  to  cause  the
institution  maintaining  the  Custodial  Account  to  invest  the  funds in the
Custodial  Account  attributable to the Mortgage Loans in Permitted  Investments
which shall mature not later than the Certificate Account Deposit Date next

                                              47

<PAGE>

following the date of such investment (with the exception of the Amount Held for
Future  Distribution)  and which shall not be sold or disposed of prior to their
maturities.  All income and gain realized from any such investment  shall be for
the benefit of the Master  Servicer as  additional  servicing  compensation  and
shall be subject to its withdrawal or order from time to time. The amount of any
losses  incurred  in  respect  of  any  such  investments  attributable  to  the
investment of amounts in respect of the Mortgage Loans shall be deposited in the
Custodial  Account by the Master  Servicer out of its own funds  immediately  as
realized without any right of reimbursement.

        (d) The Master Servicer shall give notice to the Trustee and the Company
of any change in the location of the  Custodial  Account and the location of the
Certificate Account prior to the use thereof.

        Section 3.08  Subservicing Accounts; Servicing Accounts.

        (a) In those  cases where a  Subservicer  is  servicing a Mortgage  Loan
pursuant  to a  Subservicing  Agreement,  the Master  Servicer  shall  cause the
Subservicer,  pursuant to the Subservicing  Agreement, to establish and maintain
one or more Subservicing Accounts which shall be an Eligible Account or, if such
account is not an Eligible Account,  shall generally satisfy the requirements of
the Program Guide and be otherwise  acceptable  to the Master  Servicer and each
Rating  Agency.  The  Subservicer  will be required  thereby to deposit into the
Subservicing Account on a daily basis all proceeds of Mortgage Loans received by
the  Subservicer,  less its  Subservicing  Fees and  unreimbursed  advances  and
expenses,  to  the  extent  permitted  by  the  Subservicing  Agreement.  If the
Subservicing  Account is not an Eligible  Account,  the Master Servicer shall be
deemed to have received such monies upon receipt thereof by the Subservicer. The
Subservicer  shall  not be  required  to  deposit  in the  Subservicing  Account
payments or collections  in the nature of prepayment  charges or late charges or
assumption fees. On or before the date specified in the Program Guide, but in no
event later than the  Determination  Date,  the Master  Servicer shall cause the
Subservicer,  pursuant  to the  Subservicing  Agreement,  to remit to the Master
Servicer for deposit in the Custodial Account all funds held in the Subservicing
Account with respect to each Mortgage Loan serviced by such Subservicer that are
required to be remitted to the Master  Servicer.  The  Subservicer  will also be
required,  pursuant to the Subservicing  Agreement, to advance on such scheduled
date of  remittance  amounts  equal to any  scheduled  monthly  installments  of
principal  and interest  less its  Subservicing  Fees on any Mortgage  Loans for
which payment was not received by the  Subservicer.  This  obligation to advance
with respect to each  Mortgage  Loan will continue up to and including the first
of the month following the date on which the related Mortgaged  Property is sold
at a  foreclosure  sale  or is  acquired  by the  Trust  Fund by deed in lieu of
foreclosure  or  otherwise.  All such advances  received by the Master  Servicer
shall be deposited promptly by it in the Custodial Account.

        (b) The Subservicer may also be required,  pursuant to the  Subservicing
Agreement,  to remit to the Master Servicer for deposit in the Custodial Account
interest at the Adjusted  Mortgage  Rate (or Modified Net Mortgage Rate plus the
rate per annum at which the  Servicing  Fee  accrues  in the case of a  Modified
Mortgage Loan) on any Curtailment  received by such  Subservicer in respect of a
Mortgage Loan from the related  Mortgagor during any month that is to be applied
by the  Subservicer  to reduce  the  unpaid  principal  balance  of the  related
Mortgage Loan as of the first day of such month, from the date of application of
such Curtailment to the first day of the following

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<PAGE>

month.  Any amounts paid by a  Subservicer  pursuant to the  preceding  sentence
shall  be for  the  benefit  of the  Master  Servicer  as  additional  servicing
compensation  and shall be subject to its  withdrawal or order from time to time
pursuant to Sections 3.10(a)(iv) and (v).

        (c) In addition to the Custodial  Account and the  Certificate  Account,
the Master Servicer shall for any Nonsubserviced  Mortgage Loan, and shall cause
the Subservicers  for Subserviced  Mortgage Loans to, establish and maintain one
or more Servicing  Accounts and deposit and retain therein all collections  from
the  Mortgagors  (or  advances  from  Subservicers)  for the  payment  of taxes,
assessments,  hazard insurance premiums,  Primary Insurance Policy premiums,  if
applicable,  or  comparable  items  for  the  account  of the  Mortgagors.  Each
Servicing Account shall satisfy the requirements for a Subservicing Account and,
to the extent  permitted by the Program  Guide or as is otherwise  acceptable to
the Master Servicer, may also function as a Subservicing Account. Withdrawals of
amounts  related to the Mortgage  Loans from the Servicing  Accounts may be made
only to effect timely payment of taxes, assessments,  hazard insurance premiums,
Primary  Insurance  Policy  premiums,  if applicable,  or comparable  items,  to
reimburse the Master Servicer or Subservicer out of related  collections for any
payments made  pursuant to Sections 3.11 (with respect to the Primary  Insurance
Policy)  and  3.12(a)  (with  respect  to  hazard  insurance),  to refund to any
Mortgagors  any sums as may be  determined to be overages,  to pay interest,  if
required,  to Mortgagors  on balances in the  Servicing  Account or to clear and
terminate  the  Servicing  Account  at the  termination  of  this  Agreement  in
accordance with Section 9.01 or in accordance with the Program Guide. As part of
its servicing  duties,  the Master Servicer shall,  and the  Subservicers  will,
pursuant to the  Subservicing  Agreements,  be required to pay to the Mortgagors
interest on funds in this account to the extent required by law.

        (d) The Master  Servicer  shall advance the payments  referred to in the
preceding  subsection  that are not timely paid by the Mortgagors or advanced by
the  Subservicers on the date when the tax, premium or other cost for which such
payment is  intended  is due,  but the Master  Servicer  shall be required so to
advance only to the extent that such advances, in the good faith judgment of the
Master  Servicer,  will be recoverable  by the Master  Servicer out of Insurance
Proceeds, Liquidation Proceeds or otherwise.

          Section 3.09 Access to Certain Documentation and Information Regarding
               the Mortgage Loans.

        If   compliance   with  this  Section  3.09  shall  make  any  Class  of
Certificates  legal  for  investment  by  federally  insured  savings  and  loan
associations,  the Master Servicer shall provide,  or cause the  Subservicers to
provide,  to the Trustee,  the Office of Thrift  Supervision or the FDIC and the
supervisory  agents and examiners thereof access to the documentation  regarding
the Mortgage  Loans  required by applicable  regulations of the Office of Thrift
Supervision,  such access being afforded without charge but only upon reasonable
request and during normal business hours at the offices designated by the Master
Servicer. The Master Servicer shall permit such representatives to photocopy any
such  documentation  and shall  provide  equipment  for that purpose at a charge
reasonably approximating the cost of such photocopying to the Master Servicer.

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<PAGE>

        Section 3.10  Permitted Withdrawals from the Custodial Account.

        (a) The Master Servicer may, from time to time as provided herein,  make
withdrawals from the Custodial Account of amounts on deposit therein pursuant to
Section  3.07 that are  attributable  to the  Mortgage  Loans for the  following
purposes:

                    (i) to make  deposits  into the  Certificate  Account in the
               amounts and in the manner provided for in Section 4.01;

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

                      (iii) to pay to itself or the related  Subservicer (if not
               previously  retained  by such  Subservicer)  out of each  payment
               received  by the Master  Servicer  on account  of  interest  on a
               Mortgage  Loan as  contemplated  by  Sections  3.14 and 3.16,  an
               amount equal to that remaining  portion of any such payment as to
               interest  (but  not  in  excess  of the  Servicing  Fee  and  the
               Subservicing  Fee,  if  not  previously   retained)  which,  when
               deducted,  will result in the  remaining  amount of such interest
               being interest at the Net Mortgage Rate (or Modified Net Mortgage
               Rate in the  case of a  Modified  Mortgage  Loan)  on the  amount
               specified in the  amortization  schedule of the related  Mortgage
               Loan as the  principal  balance  thereof at the  beginning of the
               period  respecting  which such  interest  was paid  after  giving
               effect to any previous Curtailments;

                      (iv) to pay to itself as additional servicing compensation
               any  interest  or  investment  income  earned  on funds and other
               property  deposited in or credited to the Custodial  Account that
               it is entitled to withdraw pursuant to Section 3.07(c);

                      (v) to pay to itself as additional servicing  compensation
               any Foreclosure  Profits, any amounts remitted by Subservicers as
               interest in respect of Curtailments  pursuant to Section 3.08(b),
               and  any  amounts  paid  by a  Mortgagor  in  connection  with  a
               Principal  Prepayment  in Full in  respect  of  interest  for any
               period  during  the  calendar   month  in  which  such  Principal
               Prepayment    in   Full   is   to   be    distributed    to   the
               Certificateholders;

                      (vi)  to  pay  to  itself,   a   Subservicer,   a  Seller,
               Residential Funding, the Company or any other appropriate Person,
               as the  case  may  be,  with  respect  to each  Mortgage  Loan or
               property acquired in respect thereof that has been purchased or

                                              50

<PAGE>

               otherwise  transferred pursuant to Section 2.02, 2.03, 2.04, 4.07
               or 9.01,  all amounts  received  thereon  and not  required to be
               distributed to the Certificateholders as of the date on which the
               related Stated Principal Balance or Purchase Price is determined;

                      (vii) to reimburse  itself or the related  Subservicer for
               any  Nonrecoverable  Advance or Advances in the manner and to the
               extent  provided in  subsection  (c) below,  any Advance  made in
               connection  with a  modification  of a  Mortgage  Loan that is in
               default or, in the  judgment of the Master  Servicer,  default is
               reasonably foreseeable pursuant to Section 3.07(a), to the extent
               the  amount  of the  Advance  has been  added to the  outstanding
               principal   balance  of  the  Mortgage   Loan,   or  any  Advance
               reimbursable to the Master Servicer pursuant to Section 4.02(a);

                      (viii) to  reimburse  itself or the Company  for  expenses
               incurred by and  reimbursable  to it or the  Company  pursuant to
               Sections 3.01(a),  3.11, 3.13, 3.14(c), 6.03, 10.01 or otherwise,
               or  in  connection  with  enforcing,   in  accordance  with  this
               Agreement,   any  repurchase,   substitution  or  indemnification
               obligation of any Seller (other than an Affiliate of the Company)
               pursuant to the related Seller's Agreement;

                      (ix) to reimburse itself for Servicing  Advances  expended
               by it (a)  pursuant to Section  3.14 in good faith in  connection
               with the restoration of property  damaged by an Uninsured  Cause,
               and (b) in connection  with the liquidation of a Mortgage Loan or
               disposition  of an REO  Property  to  the  extent  not  otherwise
               reimbursed pursuant to clause (ii) or (viii) above; and

                      (x) to  withdraw  any amount  deposited  in the  Custodial
               Account that was not required to be deposited therein pursuant to
               Section 3.07.

        (b) Since,  in  connection  with  withdrawals  pursuant to clauses (ii),
(iii),  (v) and (vi), the Master  Servicer's  entitlement  thereto is limited to
collections  or other  recoveries  on the  related  Mortgage  Loan,  the  Master
Servicer  shall keep and maintain  separate  accounting,  on a Mortgage  Loan by
Mortgage  Loan basis,  for the purpose of  justifying  any  withdrawal  from the
Custodial Account pursuant to such clauses.

        (c) The Master  Servicer  shall be entitled to  reimburse  itself or the
related  Subservicer for any advance made in respect of a Mortgage Loan that the
Master Servicer determines to be a Nonrecoverable Advance by withdrawal from the
Custodial  Account of amounts on deposit  therein  attributable  to the Mortgage
Loans  on any  Certificate  Account  Deposit  Date  succeeding  the date of such
determination.  Such  right of  reimbursement  in  respect  of a  Nonrecoverable
Advance  on any such  Certificate  Account  Deposit  Date shall be limited to an
amount  not   exceeding  the  portion  of  such  advance   previously   paid  to
Certificateholders (and not theretofore reimbursed to the Master Servicer or the
related Subservicer).

          Section  3.11   Maintenance   of  the  Primary   Insurance   Policies;
               Collections Thereunder.

        (a) The Master  Servicer  shall not take, or permit any  Subservicer  to
take, any action which would result in non-coverage under any applicable Primary
Insurance Policy of any loss

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<PAGE>

which,  but for the actions of the Master  Servicer or  Subservicer,  would have
been  covered  thereunder.  To the  extent  coverage  is  available,  the Master
Servicer  shall  keep or cause to be kept in full  force  and  effect  each such
Primary  Insurance  Policy until the principal  balance of the related  Mortgage
Loan secured by a Mortgaged  Property is reduced to 80% or less of the Appraised
Value in the  case of such a  Mortgage  Loan  having  a  Loan-to-Value  Ratio at
origination in excess of 80%, provided that such Primary Insurance Policy was in
place as of the  Cut-off  Date and the  Company had  knowledge  of such  Primary
Insurance Policy.  The Master Servicer shall be entitled to cancel or permit the
discontinuation  of any Primary Insurance Policy as to any Mortgage Loan, if the
Stated  Principal  Balance of the Mortgage Loan is reduced below an amount equal
to 80% of the appraised value of the related Mortgaged Property as determined in
any appraisal thereof after the Closing Date, or if the  Loan-to-Value  Ratio is
reduced  below 80% as a result of principal  payments on the Mortgage Loan after
the Closing Date. In the event that the Company gains  knowledge  that as of the
Closing Date, a Mortgage Loan had a Loan-to-Value Ratio at origination in excess
of 80% and is not  the  subject  of a  Primary  Insurance  Policy  (and  was not
included in any exception to the representation in Section 2.03(b)(iv)) and that
such Mortgage Loan has a current  Loan-to-Value  Ratio in excess of 80% then the
Master  Servicer  shall use its  reasonable  efforts  to obtain  and  maintain a
Primary  Insurance  Policy to the extent that such a policy is  obtainable  at a
reasonable  price.  The Master  Servicer shall not cancel or refuse to renew any
such Primary Insurance Policy  applicable to a Nonsubserviced  Mortgage Loan, or
consent to any  Subservicer  canceling  or  refusing  to renew any such  Primary
Insurance  Policy  applicable to a Mortgage Loan  subserviced  by it, that is in
effect at the date of the initial  issuance of the  Certificates and is required
to be kept in force hereunder  unless the replacement  Primary  Insurance Policy
for such  canceled or  non-renewed  policy is  maintained  with an insurer whose
claims-paying   ability  is  acceptable  to  each  Rating  Agency  for  mortgage
pass-through  certificates  having a rating equal to or better than the lower of
the  then-current  rating or the rating  assigned to the  Certificates as of the
Closing Date by such Rating Agency.

        (b) In connection with its activities as  administrator  and servicer of
the  Mortgage  Loans,  the  Master  Servicer  agrees to  present or to cause the
related  Subservicer  to  present,  on  behalf  of  the  Master  Servicer,   the
Subservicer,  if any, the Trustee and Certificateholders,  claims to the related
Insurer under any Primary Insurance  Policies,  in a timely manner in accordance
with such  policies,  and,  in this  regard,  to take or cause to be taken  such
reasonable  action as shall be  necessary to permit  recovery  under any Primary
Insurance  Policies  respecting  defaulted  Mortgage Loans.  Pursuant to Section
3.07,  any Insurance  Proceeds  collected by or remitted to the Master  Servicer
under  any  Primary  Insurance  Policies  shall be  deposited  in the  Custodial
Account, subject to withdrawal pursuant to Section 3.10.

          Section 3.12  Maintenance of Fire Insurance and Omissions and Fidelity
               Coverage.

        (a) The Master  Servicer  shall cause to be maintained for each Mortgage
Loan (other than a Cooperative Loan) fire insurance with extended coverage in an
amount  which is equal to the  lesser  of the  principal  balance  owing on such
Mortgage  Loan  or 100  percent  of the  insurable  value  of the  improvements;
provided,  however,  that such coverage may not be less than the minimum  amount
required to fully compensate for any loss or damage on a replacement cost basis.
To the extent it may do so without breaching the related Subservicing Agreement,
the Master  Servicer  shall  replace  any  Subservicer  that does not cause such
insurance, to the extent it is available, to be maintained.

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<PAGE>

The Master Servicer shall also cause to be maintained on property  acquired upon
foreclosure,  or deed in lieu of foreclosure, of any Mortgage Loan (other than a
Cooperative  Loan),  fire insurance with extended coverage in an amount which is
at  least  equal  to the  amount  necessary  to  avoid  the  application  of any
co-insurance  clause contained in the related hazard insurance policy.  Pursuant
to Section 3.07,  any amounts  collected by the Master  Servicer  under any such
policies  (other than amounts to be applied to the  restoration or repair of the
related Mortgaged  Property or property thus acquired or amounts released to the
Mortgagor in accordance with the Master Servicer's normal servicing  procedures)
shall be deposited in the Custodial Account,  subject to withdrawal  pursuant to
Section 3.10. Any cost incurred by the Master  Servicer in maintaining  any such
insurance shall not, for the purpose of calculating monthly distributions to the
Certificateholders,  be added to the  amount  owing  under  the  Mortgage  Loan,
notwithstanding  that the terms of the Mortgage Loan so permit. Such costs shall
be  recoverable  by the Master  Servicer  out of related  late  payments  by the
Mortgagor or out of Insurance  Proceeds and  Liquidation  Proceeds to the extent
permitted by Section  3.10.  It is  understood  and agreed that no earthquake or
other  additional  insurance is to be required of any Mortgagor or maintained on
property  acquired  in respect of a Mortgage  Loan other than  pursuant  to such
applicable  laws and  regulations  as shall at any time be in force and as shall
require such additional insurance. Whenever the improvements securing a Mortgage
Loan (other than a Cooperative  Loan) are located at the time of  origination of
such Mortgage  Loan in a federally  designated  special  flood hazard area,  the
Master  Servicer  shall cause flood  insurance  (to the extent  available) to be
maintained in respect thereof.  Such flood insurance shall be in an amount equal
to the lesser of (i) the amount required to compensate for any loss or damage to
the Mortgaged  Property on a replacement  cost basis and (ii) the maximum amount
of such  insurance  available  for the  related  Mortgaged  Property  under  the
national flood insurance program (assuming that the area in which such Mortgaged
Property is located is participating in such program).

        If the  Master  Servicer  shall  obtain  and  maintain  a  blanket  fire
insurance policy with extended coverage insuring against hazard losses on all of
the  Mortgage  Loans,  it shall  conclusively  be deemed to have  satisfied  its
obligations as set forth in the first sentence of this Section 3.12(a), it being
understood and agreed that such policy may contain a deductible clause, in which
case the Master  Servicer  shall,  in the event  that there  shall not have been
maintained on the related  Mortgaged  Property a policy complying with the first
sentence  of this  Section  3.12(a) and there shall have been a loss which would
have been covered by such policy,  deposit in the Certificate Account the amount
not  otherwise  payable  under the  blanket  policy  because of such  deductible
clause. Any such deposit by the Master Servicer shall be made on the Certificate
Account  Deposit Date next preceding the  Distribution  Date which occurs in the
month  following  the month in which  payments  under any such policy would have
been deposited in the Custodial  Account.  In connection  with its activities as
administrator  and servicer of the Mortgage Loans, the Master Servicer agrees to
present,  on behalf of itself,  the Trustee and the  Certificateholders,  claims
under any such blanket policy.

        (b) The Master Servicer shall obtain and maintain at its own expense and
keep in full force and effect  throughout  the term of this  Agreement a blanket
fidelity bond and an errors and omissions  insurance  policy covering the Master
Servicer's  officers and  employees  and other  persons  acting on behalf of the
Master  Servicer in connection  with its activities  under this  Agreement.  The
amount  of  coverage  shall be at  least  equal to the  coverage  that  would be
required by Fannie Mae or Freddie Mac, whichever is greater, with respect to the
Master  Servicer if the Master  Servicer were  servicing and  administering  the
Mortgage Loans for Fannie Mae or Freddie Mac. In the event that

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any such bond or policy ceases to be in effect, the Master Servicer shall obtain
a comparable  replacement bond or policy from an issuer or insurer,  as the case
may be, meeting the requirements, if any, of the Program Guide and acceptable to
the Company.  Coverage of the Master Servicer under a policy or bond obtained by
an Affiliate of the Master Servicer and providing the coverage  required by this
Section 3.12(b) shall satisfy the requirements of this Section 3.12(b).

          Section  3.13  Enforcement  of  Due-on-Sale  Clauses;  Assumption  and
               Modification Agreements; Certain Assignments.

        (a) When any Mortgaged Property is conveyed by the Mortgagor, the Master
Servicer or  Subservicer,  to the extent it has  knowledge  of such  conveyance,
shall enforce any due-on-sale clause contained in any Mortgage Note or Mortgage,
to the extent permitted under applicable law and governmental  regulations,  but
only to the extent that such enforcement will not adversely affect or jeopardize
coverage under any Required Insurance Policy. Notwithstanding the foregoing:

                      (i) the  Master  Servicer  shall  not be  deemed  to be in
               default  under this Section  3.13(a) by reason of any transfer or
               assumption  which the Master  Servicer is  restricted by law from
               preventing; and

                      (ii)  if  the  Master  Servicer   determines  that  it  is
               reasonably  likely  that  any  Mortgagor  will  bring,  or if any
               Mortgagor  does  bring,   legal  action  to  declare  invalid  or
               otherwise avoid enforcement of a due-on-sale  clause contained in
               any Mortgage Note or Mortgage,  the Master  Servicer shall not be
               required to enforce  the  due-on-sale  clause or to contest  such
               action.

        (b) Subject to the Master  Servicer's  duty to enforce  any  due-on-sale
clause  to the  extent  set  forth in  Section  3.13(a),  in any case in which a
Mortgaged Property is to be conveyed to a Person by a Mortgagor, and such Person
is to enter into an  assumption or  modification  agreement or supplement to the
Mortgage Note or Mortgage which requires the signature of the Trustee,  or if an
instrument of release signed by the Trustee is required  releasing the Mortgagor
from liability on the Mortgage Loan, the Master Servicer is authorized,  subject
to the requirements of the sentence next following,  to execute and deliver,  on
behalf of the  Trustee,  the  assumption  agreement  with the Person to whom the
Mortgaged  Property  is  to be  conveyed  and  such  modification  agreement  or
supplement  to the  Mortgage  Note  or  Mortgage  or  other  instruments  as are
reasonable  or necessary to carry out the terms of the Mortgage Note or Mortgage
or otherwise to comply with any  applicable  laws  regarding  assumptions or the
transfer of the Mortgaged Property to such Person;  provided,  however,  none of
such terms and requirements  shall either (i) both (A) constitute a "significant
modification"  effecting an exchange or  reissuance  of such Mortgage Loan under
the REMIC  Provisions  and (B) cause any portion of any REMIC  formed  under the
Series  Supplement  to fail to qualify as a REMIC  under the Code or (subject to
Section  10.01(f)),   result  in  the  imposition  of  any  tax  on  "prohibited
transactions" or (ii) constitute  "contributions"  after the start-up date under
the REMIC  Provisions.  The Master  Servicer  shall  execute  and  deliver  such
documents only if it reasonably  determines  that (i) its execution and delivery
thereof will not conflict  with or violate any terms of this  Agreement or cause
the unpaid  balance and interest on the  Mortgage  Loan to be  uncollectible  in
whole or in part,  (ii) any  required  consents of insurers  under any  Required
Insurance Policies have been obtained and (iii) subsequent to the closing of the
transaction involving the

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<PAGE>

assumption  or transfer (A) the Mortgage  Loan will  continue to be secured by a
first mortgage lien pursuant to the terms of the Mortgage,  (B) such transaction
will not adversely  affect the coverage under any Required  Insurance  Policies,
(C) the Mortgage Loan will fully amortize over the remaining  term thereof,  (D)
no material  term of the  Mortgage  Loan  (including  the  interest  rate on the
Mortgage Loan) will be altered nor will the term of the Mortgage Loan be changed
and (E) if the  seller/transferor  of the  Mortgaged  Property is to be released
from liability on the Mortgage Loan,  such release will not (based on the Master
Servicer's  or  Subservicer's  good faith  determination)  adversely  affect the
collectability  of the Mortgage Loan.  Upon receipt of appropriate  instructions
from the Master  Servicer in accordance  with the  foregoing,  the Trustee shall
execute  any  necessary  instruments  for such  assumption  or  substitution  of
liability as directed in writing by the Master Servicer. Upon the closing of the
transactions contemplated by such documents, the Master Servicer shall cause the
originals or true and correct  copies of the assumption  agreement,  the release
(if any), or the  modification or supplement to the Mortgage Note or Mortgage to
be delivered to the Trustee or the  Custodian  and  deposited  with the Mortgage
File for such Mortgage  Loan.  Any fee collected by the Master  Servicer or such
related Subservicer for entering into an assumption or substitution of liability
agreement  will be  retained  by the  Master  Servicer  or such  Subservicer  as
additional servicing compensation.

        (c) The Master Servicer or the related Subservicer,  as the case may be,
shall be entitled to approve a request from a Mortgagor for a partial release of
the related Mortgaged Property,  the granting of an easement thereon in favor of
another Person,  any alteration or demolition of the related Mortgaged  Property
(or,  with respect to a Cooperative  Loan,  the related  Cooperative  Apartment)
without  any  right  of  reimbursement  or  other  similar  matters  if  it  has
determined, exercising its good faith business judgment in the same manner as it
would if it were the owner of the related  Mortgage Loan, that the security for,
and the timely  and full  collectability  of,  such  Mortgage  Loan would not be
adversely  affected  thereby and that any portion of any REMIC  formed under the
Series  Supplement  would not fail to  continue  to qualify as a REMIC under the
Code as a result  thereof  and  (subject  to  Section  10.01(f))  that no tax on
"prohibited  transactions"  or  "contributions"  after the  startup day would be
imposed on any such REMIC as a result  thereof.  Any fee collected by the Master
Servicer  or the  related  Subservicer  for  processing  such a request  will be
retained by the Master  Servicer or such  Subservicer  as  additional  servicing
compensation.

        (d)  Subject  to any  other  applicable  terms  and  conditions  of this
Agreement,  the  Trustee  and Master  Servicer  shall be  entitled to approve an
assignment in lieu of satisfaction  with respect to any Mortgage Loan,  provided
the  obligee  with  respect  to  such  Mortgage  Loan  following  such  proposed
assignment provides the Trustee and Master Servicer with a "Lender Certification
for  Assignment of Mortgage  Loan" in the form attached  hereto as Exhibit M, in
form and substance  satisfactory to the Trustee and Master  Servicer,  providing
the  following:  (i) that the substance of the assignment is, and is intended to
be, a refinancing  of such  Mortgage;  (ii) that the Mortgage Loan following the
proposed  assignment will have a rate of interest at least 0.25 percent below or
above  the  rate of  interest  on such  Mortgage  Loan  prior  to such  proposed
assignment;  and (iii) that such  assignment  is at the request of the  borrower
under the related  Mortgage  Loan.  Upon  approval of an  assignment  in lieu of
satisfaction  with  respect to any  Mortgage  Loan,  the Master  Servicer  shall
receive cash in an amount equal to the unpaid  principal  balance of and accrued
interest on such Mortgage Loan and the Master  Servicer  shall treat such amount
as a Principal  Prepayment  in Full with respect to such  Mortgage  Loan for all
purposes hereof.

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<PAGE>

        Section 3.14  Realization Upon Defaulted Mortgage Loans.

        (a) The Master  Servicer shall  foreclose  upon or otherwise  comparably
convert  (which may include an REO  Acquisition)  the  ownership  of  properties
securing such of the Mortgage  Loans as come into and continue in default and as
to which no satisfactory  arrangements  can be made for collection of delinquent
payments  pursuant to Section 3.07. In connection with such foreclosure or other
conversion, the Master Servicer shall, consistent with Section 3.11, follow such
practices and  procedures as it shall deem  necessary or advisable,  as shall be
normal and usual in its general  mortgage  servicing  activities and as shall be
required or permitted by the Program  Guide;  provided that the Master  Servicer
shall not be liable in any respect hereunder if the Master Servicer is acting in
connection  with any such  foreclosure  or other  conversion in a manner that is
consistent with the provisions of this Agreement. The Master Servicer,  however,
shall not be  required  to  expend  its own  funds or incur  other  reimbursable
charges in connection with any foreclosure,  or attempted  foreclosure  which is
not  completed,  or towards  the  restoration  of any  property  unless it shall
determine  (i) that  such  restoration  and/or  foreclosure  will  increase  the
proceeds of liquidation of the Mortgage Loan to Holders of  Certificates  of one
or more Classes after  reimbursement  to itself for such expenses or charges and
(ii) that such expenses or charges will be recoverable to it through Liquidation
Proceeds,  Insurance Proceeds,  or REO Proceeds  (respecting which it shall have
priority for purposes of  withdrawals  from the  Custodial  Account  pursuant to
Section 3.10, whether or not such expenses and charges are actually  recoverable
from related Liquidation Proceeds,  Insurance Proceeds or REO Proceeds).  In the
event of such a determination  by the Master  Servicer  pursuant to this Section
3.14(a),  the Master Servicer shall be entitled to reimbursement of such amounts
pursuant to Section 3.10.

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

        For so long as the  Master  Servicer  is the Master  Servicer  under the
Credit  Support  Pledge  Agreement,   the  Master  Servicer  shall  perform  its
obligations under the Credit Support Pledge

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<PAGE>

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

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

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<PAGE>

        (b) If title to any Mortgaged  Property is acquired by the Trust Fund as
an REO Property by  foreclosure or by deed in lieu of  foreclosure,  the deed or
certificate  of sale shall be issued to the  Trustee or to its nominee on behalf
of  Certificateholders.  Notwithstanding  any  such  acquisition  of  title  and
cancellation  of the related  Mortgage Loan,  such REO Property shall (except as
otherwise expressly provided herein) be considered to be an Outstanding Mortgage
Loan held in the Trust Fund until such time as the REO  Property  shall be sold.
Consistent with the foregoing for purposes of all calculations hereunder so long
as such REO Property shall be considered to be an  Outstanding  Mortgage Loan it
shall be assumed that,  notwithstanding  that the indebtedness  evidenced by the
related  Mortgage  Note shall have been  discharged,  such Mortgage Note and the
related  amortization  schedule in effect at the time of any such acquisition of
title  (after  giving  effect  to  any  previous  Curtailments  and  before  any
adjustment  thereto by reason of any  bankruptcy  or similar  proceeding  or any
moratorium or similar waiver or grace period) remain in effect.

        (c) If the  Trust  Fund  acquires  any  REO  Property  as  aforesaid  or
otherwise in connection  with a default or imminent  default on a Mortgage Loan,
the  Master  Servicer  on behalf of the Trust  Fund  shall  dispose  of such REO
Property as soon as practicable,  giving due  consideration  to the interests of
the  Certificateholders,  but in all cases  within  three full  years  after the
taxable  year of its  acquisition  by the Trust  Fund for  purposes  of  Section
860G(a)(8)  of the  Code (or  such  shorter  period  as may be  necessary  under
applicable  state (including any state in which such property is located) law to
maintain  the  status of any  portion  of any  REMIC  formed  under  the  Series
Supplement as a REMIC under  applicable state law and avoid taxes resulting from
such property failing to be foreclosure property under applicable state law) or,
at the expense of the Trust Fund,  request,  more than 60 days before the day on
which such grace  period  would  otherwise  expire,  an  extension of such grace
period unless the Master Servicer  (subject to Section 10.01(f)) obtains for the
Trustee an Opinion of Counsel, addressed to the Trustee and the Master Servicer,
to the effect that the holding by the Trust Fund of such REO Property subsequent
to such  period  will not  result  in the  imposition  of  taxes on  "prohibited
transactions"  as defined in Section  860F of the Code or cause any REMIC formed
under the Series  Supplement  to fail to qualify as a REMIC (for federal (or any
applicable   State  or  local)  income  tax  purposes)  at  any  time  that  any
Certificates are outstanding,  in which case the Trust Fund may continue to hold
such REO  Property  (subject  to any  conditions  contained  in such  Opinion of
Counsel).  The Master  Servicer  shall be  entitled  to be  reimbursed  from the
Custodial  Account for any costs  incurred in obtaining such Opinion of Counsel,
as  provided  in  Section  3.10.  Notwithstanding  any other  provision  of this
Agreement,  no REO  Property  acquired  by the Trust  Fund  shall be rented  (or
allowed to continue to be rented) or otherwise used by or on behalf of the Trust
Fund in such a manner or  pursuant  to any terms  that  would (i) cause such REO
Property  to fail to qualify as  "foreclosure  property"  within the  meaning of
Section  860G(a)(8) of the Code or (ii) subject the Trust Fund to the imposition
of any  federal  income  taxes on the  income  earned  from  such REO  Property,
including any taxes imposed by reason of Section 860G(c) of the Code, unless the
Master  Servicer has agreed to indemnify  and hold  harmless the Trust Fund with
respect to the imposition of any such taxes.

        (d) The proceeds of any Cash Liquidation, REO Disposition or purchase or
repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as well
as any recovery resulting from a collection of Liquidation  Proceeds,  Insurance
Proceeds or REO Proceeds,  will be applied in the  following  order of priority:
first, to reimburse the Master Servicer or the related Subservicer in accordance
with Section  3.10(a)(ii);  second, to the  Certificateholders  to the extent of
accrued and

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unpaid interest on the Mortgage Loan, and any related REO Imputed  Interest,  at
the Net  Mortgage  Rate  (or the  Modified  Net  Mortgage  Rate in the case of a
Modified  Mortgage Loan) to the Due Date prior to the Distribution Date on which
such  amounts  are to be  distributed;  third,  to the  Certificateholders  as a
recovery of principal on the Mortgage Loan (or REO  Property)(provided  that, if
such  recovery is of an amount  previously  allocated  to one or more Classes of
Certificates  as a Realized Loss,  such recovery  shall be allocated  among such
Classes in the same  proportions as the allocation of such Realized  Losses and,
if any such Class of  Certificates  to which such Realized Loss was allocated is
no longer  outstanding,  such  subsequent  recovery  shall be distributed to the
persons who were the Holders of such Class of Certificates when it was retired);
fourth,  to all Servicing Fees and Subservicing  Fees payable therefrom (and the
Master  Servicer and the Subservicer  shall have no claims for any  deficiencies
with  respect to such fees which  result  from the  foregoing  allocation);  and
fifth, to Foreclosure Profits.

        (e) In the event of a default  on a  Mortgage  Loan one or more of whose
obligors is not a United States Person,  in connection  with any  foreclosure or
acquisition  of a deed in  lieu  of  foreclosure  (together,  "foreclosure")  in
respect of such Mortgage Loan, the Master  Servicer will cause  compliance  with
the provisions of Treasury  Regulation Section  1.1445-2(d)(3) (or any successor
thereto)  necessary to assure that no  withholding  tax  obligation  arises with
respect to the proceeds of such foreclosure  except to the extent,  if any, that
proceeds of such foreclosure are required to be remitted to the obligors on such
Mortgage Loan.

        Section 3.15  Trustee to Cooperate; Release of Mortgage Files.

        (a) Upon becoming  aware of the payment in full of any Mortgage Loan, or
upon the receipt by the Master  Servicer of a notification  that payment in full
will be escrowed in a manner  customary for such purposes,  the Master  Servicer
will  immediately  notify the Trustee (if it holds the related Mortgage File) or
the Custodian by a  certification  of a Servicing  Officer (which  certification
shall  include a  statement  to the effect  that all  amounts  received or to be
received in  connection  with such payment which are required to be deposited in
the  Custodial  Account  pursuant  to  Section  3.07  have  been  or  will be so
deposited),  substantially in one of the forms attached hereto as Exhibit F, or,
in the case of the Custodian,  an electronic request in a form acceptable to the
Custodian,  requesting  delivery to it of the Mortgage File. Within two Business
Days of receipt of such certification and request, the Trustee shall release, or
cause  the  Custodian  to  release,  the  related  Mortgage  File to the  Master
Servicer.  The Master  Servicer  is  authorized  to execute  and  deliver to the
Mortgagor  the  request for  reconveyance,  deed of  reconveyance  or release or
satisfaction of mortgage or such instrument  releasing the lien of the Mortgage,
together  with the  Mortgage  Note with,  as  appropriate,  written  evidence of
cancellation  thereon  and to cause the  removal  from the  registration  on the
MERS(R)  System of such  Mortgage and to execute and  deliver,  on behalf of the
Trustee and the  Certificateholders  or any of them, any and all  instruments of
satisfaction or cancellation or of partial or full release. No expenses incurred
in connection with any instrument of satisfaction or deed of reconveyance  shall
be chargeable to the Custodial Account or the Certificate Account.

        (b) From time to time as is appropriate for the servicing or foreclosure
of any Mortgage Loan, the Master Servicer shall deliver to the Custodian, with a
copy to the Trustee,  a certificate of a Servicing Officer  substantially in one
of the forms attached as Exhibit F hereto, or, in the case of the Custodian,  an
electronic  request  in a form  acceptable  to the  Custodian,  requesting  that
possession

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<PAGE>

of all, or any document  constituting  part of, the Mortgage File be released to
the Master  Servicer and  certifying  as to the reason for such release and that
such release will not invalidate any insurance  coverage  provided in respect of
the  Mortgage  Loan under any  Required  Insurance  Policy.  Upon receipt of the
foregoing,  the Trustee shall  deliver,  or cause the Custodian to deliver,  the
Mortgage  File or any  document  therein  to the  Master  Servicer.  The  Master
Servicer  shall cause each Mortgage File or any document  therein so released to
be returned to the Trustee,  or the  Custodian as agent for the Trustee when the
need therefor by the Master  Servicer no longer exists,  unless (i) the Mortgage
Loan has been liquidated and the Liquidation  Proceeds  relating to the Mortgage
Loan have been  deposited in the Custodial  Account or (ii) the Mortgage File or
such  document  has been  delivered  directly  or  through a  Subservicer  to an
attorney,  or to a public  trustee or other public  official as required by law,
for purposes of initiating or pursuing legal action or other proceedings for the
foreclosure of the Mortgaged Property either judicially or  non-judicially,  and
the Master  Servicer  has  delivered  directly or through a  Subservicer  to the
Trustee a  certificate  of a  Servicing  Officer  certifying  as to the name and
address of the Person to which such Mortgage File or such document was delivered
and the purpose or purposes of such delivery. In the event of the liquidation of
a Mortgage  Loan, the Trustee shall deliver the Request for Release with respect
thereto to the Master Servicer upon deposit of the related Liquidation  Proceeds
in the Custodial Account.

        (c) The Trustee or the Master  Servicer on the  Trustee's  behalf  shall
execute and deliver to the Master Servicer,  if necessary,  any court pleadings,
requests for trustee's sale or other  documents  necessary to the foreclosure or
trustee's sale in respect of a Mortgaged Property or to any legal action brought
to obtain judgment  against any Mortgagor on the Mortgage Note or Mortgage or to
obtain a  deficiency  judgment,  or to  enforce  any  other  remedies  or rights
provided by the Mortgage  Note or Mortgage or  otherwise  available at law or in
equity.  Together  with such  documents or pleadings (if signed by the Trustee),
the Master  Servicer  shall deliver to the Trustee a certificate  of a Servicing
Officer  requesting  that such pleadings or documents be executed by the Trustee
and  certifying  as to the reason such  documents or pleadings  are required and
that the execution and delivery  thereof by the Trustee will not  invalidate any
insurance  coverage  under  any  Required  Insurance  Policy  or  invalidate  or
otherwise affect the lien of the Mortgage,  except for the termination of such a
lien upon completion of the foreclosure or trustee's sale.

        Section 3.16  Servicing and Other Compensation; Compensating Interest.

        (a) The Master Servicer,  as compensation for its activities  hereunder,
shall be entitled to receive on each  Distribution Date the amounts provided for
by clauses (iii),  (iv), (v) and (vi) of Section 3.10(a),  subject to clause (e)
below. The amount of servicing  compensation  provided for in such clauses shall
be accounted for on a Mortgage  Loan-by-Mortgage  Loan basis.  In the event that
Liquidation  Proceeds,  Insurance  Proceeds  and REO  Proceeds  (net of  amounts
reimbursable  therefrom  pursuant to Section  3.10(a)(ii))  in respect of a Cash
Liquidation  or REO  Disposition  exceed  the unpaid  principal  balance of such
Mortgage  Loan plus  unpaid  interest  accrued  thereon  (including  REO Imputed
Interest)  at a per annum rate equal to the  related Net  Mortgage  Rate (or the
Modified Net Mortgage Rate in the case of a Modified  Mortgage Loan), the Master
Servicer  shall be entitled to retain  therefrom and to pay to itself and/or the
related   Subservicer,   any  Foreclosure  Profits  and  any  Servicing  Fee  or
Subservicing Fee considered to be accrued but unpaid.

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        (b) Additional servicing compensation in the form of prepayment charges,
assumption  fees,  late  payment  charges,  investment  income on amounts in the
Custodial  Account or the Certificate  Account or otherwise shall be retained by
the Master Servicer or the Subservicer to the extent provided herein, subject to
clause (e) below.

        (c) The Master  Servicer  shall be required to pay, or cause to be paid,
all  expenses  incurred  by it  in  connection  with  its  servicing  activities
hereunder (including payment of premiums for the Primary Insurance Policies,  if
any,  to the extent  such  premiums  are not  required to be paid by the related
Mortgagors,  and the fees and  expenses of the Trustee  and any  Custodian)  and
shall not be entitled to reimbursement  therefor except as specifically provided
in Sections 3.10 and 3.14.

        (d) The Master  Servicer's right to receive  servicing  compensation may
not be transferred in whole or in part except in connection with the transfer of
all of its  responsibilities  and  obligations of the Master Servicer under this
Agreement.

        (e)  Notwithstanding any other provision herein, the amount of servicing
compensation  that the Master  Servicer  shall be  entitled  to receive  for its
activities  hereunder for the period ending on each  Distribution  Date shall be
reduced  (but not below zero) by an amount  equal to  Compensating  Interest (if
any) for such  Distribution  Date.  Such reduction  shall be applied during such
period as follows:  first, to any Servicing Fee or Subservicing Fee to which the
Master Servicer is entitled pursuant to Section  3.10(a)(iii) and second, to any
income or gain  realized  from any  investment  of funds  held in the  Custodial
Account or the  Certificate  Account to which the Master  Servicer  is  entitled
pursuant to Sections 3.07(c) or 4.01(b), respectively. In making such reduction,
the Master  Servicer (i) will not withdraw from the  Custodial  Account any such
amount  representing  all or a  portion  of the  Servicing  Fee to  which  it is
entitled  pursuant to Section  3.10(a)(iii)  and (ii) will not withdraw from the
Custodial Account or Certificate Account any such amount to which it is entitled
pursuant to Section 3.07(c) or 4.01(b).

        Section 3.17 Reports to the Trustee and the Company.

        Not later than fifteen  days after each  Distribution  Date,  the Master
Servicer shall forward to the Trustee and the Company a statement,  certified by
a Servicing Officer, setting forth the status of the Custodial Account as of the
close of business on such  Distribution Date as it relates to the Mortgage Loans
and showing, for the period covered by such statement, the aggregate of deposits
in or  withdrawals  from the Custodial  Account in respect of the Mortgage Loans
for each  category of deposit  specified  in Section  3.07 and each  category of
withdrawal specified in Section 3.10.

        Section 3.18  Annual Statement as to Compliance.

        The Master  Servicer  will deliver to the  Company,  the Trustee and any
Certificate Insurer on or before March 31 of each year, beginning with the first
March 31 that occurs at least six months  after the Cut-off  Date,  an Officers'
Certificate  stating,  as to each  signer  thereof,  that  (i) a  review  of the
activities of the Master Servicer during the preceding  calendar year related to
its servicing of mortgage loans and its performance  under pooling and servicing
agreements,  including  this  Agreement,  has been  made  under  such  officers'
supervision, (ii) to the best of such officers' knowledge, based on such review,
the Master Servicer has complied in all material respects with the

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minimum servicing  standards set forth in the Uniform Single Attestation Program
for Mortgage Bankers and has fulfilled all of its material  obligations relating
to this Agreement in all material  respects  throughout  such year, or, if there
has been material  noncompliance  with such servicing  standards or a default in
the fulfillment in all material respects of any such obligation relating to this
Agreement,  such statement shall include a description of such  noncompliance or
specify  each such  default,  as the case may be,  known to such officer and the
nature and status  thereof  and (iii) to the best of such  officers'  knowledge,
each  Subservicer  has  complied  in all  material  respects  with  the  minimum
servicing  standards  set forth in the Uniform  Single  Attestation  Program for
Mortgage  Bankers and has  fulfilled all of its material  obligations  under its
Subservicing  Agreement in all material  respects  throughout  such year, or, if
there  has been  material  noncompliance  with  such  servicing  standards  or a
material  default  in the  fulfillment  of  such  obligations  relating  to this
Agreement,  such statement shall include a description of such  noncompliance or
specify  each such  default,  as the case may be,  known to such officer and the
nature and status thereof.

        Section 3.19  Annual Independent Public Accountants' Servicing Report.

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

        Section 3.20 Rights of the Company in Respect of the Master Servicer.

        The Master Servicer shall afford the Company,  upon  reasonable  notice,
during  normal  business  hours access to all records  maintained  by the Master
Servicer  in  respect  of its rights  and  obligations  hereunder  and access to
officers of the Master Servicer responsible for such obligations.  Upon request,
the Master  Servicer  shall  furnish the Company with its most recent  financial
statements and such other information as the Master Servicer possesses regarding
its business,  affairs,  property and  condition,  financial or  otherwise.  The
Master   Servicer  shall  also  cooperate  with  all  reasonable   requests  for
information  including,  but not limited to, notices, tapes and copies of files,
regarding  itself,  the Mortgage  Loans or the  Certificates  from any Person or
Persons identified by the Company or Residential  Funding.  The Company may, but
is not obligated to, enforce the  obligations of the Master  Servicer  hereunder
and may, but is not obligated to, perform,  or cause a designee to perform,  any
defaulted  obligation of the Master Servicer hereunder or exercise the rights of
the Master  Servicer  hereunder;  provided that the Master Servicer shall not be
relieved of any of its  obligations  hereunder by virtue of such  performance by
the Company or its designee. The

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Company shall not have any responsibility or liability for any action or failure
to act by the Master  Servicer and is not obligated to supervise the performance
of the Master Servicer under this Agreement or otherwise.

        Section 3.21  Administration of Buydown Funds.

        (a) With  respect to any Buydown  Mortgage  Loan,  the  Subservicer  has
deposited  Buydown  Funds in an account that  satisfies the  requirements  for a
Subservicing  Account (the "Buydown  Account").  The Master Servicer shall cause
the  Subservicing  Agreement to require that upon receipt from the  Mortgagor of
the amount due on a Due Date for each Buydown  Mortgage  Loan,  the  Subservicer
will withdraw from the Buydown Account the predetermined amount that, when added
to the  amount  due on such date from the  Mortgagor,  equals  the full  Monthly
Payment  and  transmit  that  amount  in  accordance   with  the  terms  of  the
Subservicing  Agreement to the Master Servicer together with the related payment
made by the Mortgagor or advanced by the Subservicer.

        (b) If the Mortgagor on a Buydown Mortgage Loan prepays such loan in its
entirety  during  the period  (the  "Buydown  Period")  when  Buydown  Funds are
required to be applied to such Buydown  Mortgage Loan, the Subservicer  shall be
required to  withdraw  from the  Buydown  Account  and remit any  Buydown  Funds
remaining  in the  Buydown  Account  in  accordance  with  the  related  buydown
agreement.  The amount of Buydown Funds which may be remitted in accordance with
the related  buydown  agreement may reduce the amount required to be paid by the
Mortgagor  to fully  prepay the related  Mortgage  Loan.  If the  Mortgagor on a
Buydown  Mortgage Loan defaults on such Mortgage Loan during the Buydown  Period
and the property  securing such Buydown Mortgage Loan is sold in the liquidation
thereof  (either by the Master Servicer or the insurer under any related Primary
Insurance  Policy),  the  Subservicer  shall be required  to  withdraw  from the
Buydown  Account the Buydown Funds for such Buydown  Mortgage Loan still held in
the Buydown Account and remit the same to the Master Servicer in accordance with
the terms of the Subservicing Agreement for deposit in the Custodial Account or,
if  instructed  by the Master  Servicer,  pay to the  insurer  under any related
Primary  Insurance  Policy if the  Mortgaged  Property  is  transferred  to such
insurer  and such  insurer  pays all of the loss  incurred  in  respect  of such
default.  Any amount so remitted  pursuant  to the  preceding  sentence  will be
deemed to reduce the amount owed on the Mortgage Loan.

                                          ARTICLE IV

                                PAYMENTS TO CERTIFICATEHOLDERS

        Section 4.01  Certificate Account.

        (a) The Master  Servicer on behalf of the Trustee  shall  establish  and
maintain a Certificate  Account in which the Master  Servicer  shall cause to be
deposited  on behalf of the Trustee on or before 2:00 P.M. New York time on each
Certificate Account Deposit Date by wire transfer of immediately available funds
an amount  equal to the sum of (i) any  Advance for the  immediately  succeeding
Distribution  Date,  (ii) any amount required to be deposited in the Certificate
Account pursuant to Section  3.12(a),  (iii) any amount required to be deposited
in the Certificate Account pursuant to Section 3.16(e) or Section 4.07, (iv) any
amount required to be paid pursuant to Section

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9.01 and (v) all other amounts  constituting the Available  Distribution  Amount
for the immediately succeeding Distribution Date.

        (b) The Trustee shall,  upon written  request from the Master  Servicer,
invest or cause the institution  maintaining  the Certificate  Account to invest
the funds in the Certificate Account in Permitted Investments  designated in the
name of the  Trustee  for the  benefit of the  Certificateholders,  which  shall
mature or be payable on demand not later than the  Business  Day next  preceding
the  Distribution  Date next following the date of such investment  (except that
(i) any  investment in the  institution  with which the  Certificate  Account is
maintained may mature or be payable on demand on such Distribution Date and (ii)
any other  investment  may mature or be  payable on demand on such  Distribution
Date  if the  Trustee  shall  advance  funds  on such  Distribution  Date to the
Certificate   Account  in  the  amount  payable  on  such   investment  on  such
Distribution  Date,  pending  receipt  thereof to the extent  necessary  to make
distributions on the Certificates) and shall not be sold or disposed of prior to
maturity. Subject to Section 3.16(e), all income and gain realized from any such
investment  shall be for the benefit of the Master Servicer and shall be subject
to its withdrawal or order from time to time. The amount of any losses  incurred
in respect of any such investments shall be deposited in the Certificate Account
by the Master Servicer out of its own funds  immediately as realized without any
right of reimbursement.

        Section 4.02  Distributions.

        As provided in Section 4.02 of the Series Supplement.

        Section 4.03  Statements to Certificateholders.

        (a)  Concurrently  with each  distribution  charged  to the  Certificate
Account and with respect to each  Distribution  Date the Master  Servicer  shall
forward to the  Trustee  and the Trustee  shall  either  forward by mail or make
available to each Holder and the Company,  via the Trustee's internet website, a
statement  (and  at  its  option,  any  additional  files  containing  the  same
information in an alternative format) setting forth information as to each Class
of Certificates, the Mortgage Pool and, if the Mortgage Pool is comprised of two
or more Loan Groups,  each Loan Group, to the extent applicable.  This statement
will include the information  set forth in an exhibit to the Series  Supplement.
Such exhibit shall set forth the Trustee's  internet  website  address  together
with a phone number. The Trustee shall mail to each Holder that requests a paper
copy by telephone a paper copy via first class mail.  The Trustee may modify the
distribution  procedures set forth in this Section provided that such procedures
are no less  convenient  for the  Certificateholders.  The Trustee shall provide
prior   notification   to   the   Company,   the   Master   Servicer   and   the
Certificateholders  regarding  any such  modification.  In addition,  the Master
Servicer shall provide to any manager of a trust fund  consisting of some or all
of the Certificates,  upon reasonable request, such additional information as is
reasonably  obtainable by the Master  Servicer at no  additional  expense to the
Master Servicer.

        (b) Within a  reasonable  period of time after the end of each  calendar
year,  the Master  Servicer shall  prepare,  or cause to be prepared,  and shall
forward,  or cause to be  forwarded,  to each  Person who at any time during the
calendar year was the Holder of a Certificate, other than a Class R Certificate,
a statement  containing the information set forth in clauses (i) and (ii) of the
exhibit to the Series Supplement  referred to in subsection (a) above aggregated
for such calendar year or

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applicable  portion  thereof  during which such Person was a  Certificateholder.
Such obligation of the Master Servicer shall be deemed to have been satisfied to
the extent that  substantially  comparable  information shall be provided by the
Master Servicer pursuant to any requirements of the Code.

        (c) Within a  reasonable  period of time after the end of each  calendar
year,  the Master  Servicer shall  prepare,  or cause to be prepared,  and shall
forward,  or cause to be  forwarded,  to each  Person who at any time during the
calendar year was the Holder of a Class R  Certificate,  a statement  containing
the applicable  distribution  information provided pursuant to this Section 4.03
aggregated  for such calendar year or applicable  portion  thereof  during which
such  Person was the Holder of a Class R  Certificate.  Such  obligation  of the
Master  Servicer  shall be deemed  to have been  satisfied  to the  extent  that
substantially  comparable  information  shall be provided by the Master Servicer
pursuant to any requirements of the Code.

        (d)  Upon the  written  request  of any  Certificateholder,  the  Master
Servicer,  as soon as  reasonably  practicable,  shall  provide  the  requesting
Certificateholder with such information as is necessary and appropriate,  in the
Master  Servicer's  sole  discretion,  for  purposes  of  satisfying  applicable
reporting requirements under Rule 144A.

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

        (a) Prior to the close of business on the Determination Date, the Master
Servicer  shall  furnish a written  statement  to the Trustee,  any  Certificate
Insurer,  any Paying Agent and the Company (the information in such statement to
be made  available  to  Certificateholders  by the Master  Servicer  on request)
setting  forth  (i) the  Available  Distribution  Amount  and (ii)  the  amounts
required to be  withdrawn  from the  Custodial  Account and  deposited  into the
Certificate  Account on the immediately  succeeding  Certificate Account Deposit
Date  pursuant to clause  (iii) of Section  4.01(a).  The  determination  by the
Master  Servicer of such  amounts  shall,  in the absence of obvious  error,  be
presumptively  deemed to be correct for all purposes  hereunder  and the Trustee
shall be protected in relying  upon the same  without any  independent  check or
verification.

        (b) On or before  2:00 P.M.  New York time on each  Certificate  Account
Deposit Date, the Master  Servicer  shall either (i) deposit in the  Certificate
Account from its own funds, or funds received therefor from the Subservicers, an
amount equal to the Advances to be made by the Master Servicer in respect of the
related  Distribution  Date,  which shall be in an aggregate amount equal to the
aggregate  amount of  Monthly  Payments  (with  each  interest  portion  thereof
adjusted to the Net  Mortgage  Rate),  less the amount of any related  Servicing
Modifications,  Debt Service  Reductions or reductions in the amount of interest
collectable  from the Mortgagor  pursuant to the  Soldiers'  and Sailors'  Civil
Relief Act of 1940, as amended,  or similar  legislation or regulations  then in
effect,  on the  Outstanding  Mortgage  Loans as of the related Due Date,  which
Monthly  Payments were  delinquent as of the close of business as of the related
Determination  Date;  provided  that no  Advance  shall be made if it would be a
Nonrecoverable  Advance,  (ii) withdraw from amounts on deposit in the Custodial
Account  and deposit in the  Certificate  Account all or a portion of the Amount
Held for Future  Distribution  in discharge of any such  Advance,  or (iii) make
advances in the form of any  combination of (i) and (ii)  aggregating the amount
of such Advance.  Any portion of the Amount Held for Future Distribution so used
shall be replaced by the Master Servicer by deposit in the

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

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

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

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

        Section 4.05  Allocation of Realized Losses.

        As provided in Section 4.05 of the Series Supplement.

          Section 4.06  Reports of  Foreclosures  and  Abandonment  of Mortgaged
               Property.

        The Master Servicer or the Subservicers  shall file information  returns
with  respect  to the  receipt  of  mortgage  interests  received  in a trade or
business, the reports of foreclosures and abandonments of any Mortgaged Property
and the information returns relating to cancellation of indebtedness income with
respect to any Mortgaged Property required by Sections 6050H, 6050J and

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6050P,  respectively,  of the Code,  and  deliver to the  Trustee  an  Officers'
Certificate  on or before  March 31 of each year  stating that such reports have
been filed.  Such reports shall be in form and substance  sufficient to meet the
reporting requirements imposed by Sections 6050H, 6050J and 6050P of the Code.

        Section 4.07  Optional Purchase of Defaulted Mortgage Loans.

        As to any  Mortgage  Loan which is  delinquent  in payment by 90 days or
more, the Master  Servicer may, at its option,  purchase such Mortgage Loan from
the Trustee at the Purchase Price  therefor.  If at any time the Master Servicer
makes a payment to the Certificate  Account  covering the amount of the Purchase
Price for such a Mortgage Loan, and the Master Servicer  provides to the Trustee
a  certification  signed by a Servicing  Officer stating that the amount of such
payment has been deposited in the  Certificate  Account,  then the Trustee shall
execute  the  assignment  of such  Mortgage  Loan at the  request  of the Master
Servicer without recourse to the Master Servicer, which shall succeed to all the
Trustee's  right,  title and  interest  in and to such  Mortgage  Loan,  and all
security and documents relative thereto.  Such assignment shall be an assignment
outright and not for  security.  The Master  Servicer  will  thereupon  own such
Mortgage, and all such security and documents, free of any further obligation to
the Trustee or the Certificateholders with respect thereto.

        If,  however  the  Master  Servicer  shall have  exercised  its right to
repurchase  a Mortgage  Loan  pursuant  to this  Section  4.07 upon the  written
request of and with funds provided by the Junior Certificateholder and thereupon
transferred  such  Mortgage  Loan to the  Junior  Certificateholder,  the Master
Servicer shall so notify the Trustee in writing.

        Section 4.08  Surety Bond.

        (a) If a Required Surety Payment is payable  pursuant to the Surety Bond
with respect to any Additional  Collateral  Loan,  the Master  Servicer shall so
notify the  Trustee as soon as  reasonably  practicable  and the  Trustee  shall
promptly  complete the notice in the form of Attachment 1 to the Surety Bond and
shall  promptly  submit  such  notice to the  Surety  as a claim for a  Required
Surety.  The Master Servicer shall upon request assist the Trustee in completing
such  notice and shall  provide  any  information  requested  by the  Trustee in
connection therewith.

        (b) Upon receipt of a Required  Surety Payment from the Surety on behalf
of the Holders of  Certificates,  the Trustee shall deposit such Required Surety
Payment in the  Certificate  Account and shall  distribute  such Required Surety
Payment,  or the proceeds thereof,  in accordance with the provisions of Section
4.02.

        (c) The Trustee shall (i) receive as  attorney-in-fact of each Holder of
a Certificate  any Required Surety Payment from the Surety and (ii) disburse the
same to the Holders of such Certificates as set forth in Section 4.02.

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                                    ARTICLE V

                                THE CERTIFICATES

        Section 5.01  The Certificates.

        (a) The  Senior,  Class M,  Class B and  Class R  Certificates  shall be
substantially  in the forms set forth in Exhibits  A, B, C and D,  respectively,
and shall,  on original  issue,  be executed and delivered by the Trustee to the
Certificate  Registrar for  authentication  and delivery to or upon the order of
the  Company  upon  receipt  by the  Trustee  or one or more  Custodians  of the
documents  specified in Section 2.01. The Certificates  shall be issuable in the
minimum  denominations  designated  in the  Preliminary  Statement to the Series
Supplement.

        The Certificates  shall be executed by manual or facsimile  signature on
behalf of an authorized officer of the Trustee.  Certificates bearing the manual
or facsimile  signatures of individuals who were at any time the proper officers
of the Trustee shall bind the Trustee,  notwithstanding that such individuals or
any of them have ceased to hold such  offices  prior to the  authentication  and
delivery of such  Certificate  or did not hold such  offices at the date of such
Certificates.  No  Certificate  shall be  entitled  to any  benefit  under  this
Agreement, or be valid for any purpose, unless there appears on such Certificate
a certificate of  authentication  substantially  in the form provided for herein
executed by the Certificate Registrar by manual signature,  and such certificate
upon any Certificate shall be conclusive evidence,  and the only evidence,  that
such  Certificate  has been duly  authenticated  and  delivered  hereunder.  All
Certificates shall be dated the date of their authentication.

        (b) Except as provided below,  registration  of Book-Entry  Certificates
may not be transferred by the Trustee except to another  Depository  that agrees
to hold such Certificates for the respective  Certificate  Owners with Ownership
Interests therein.  The Holders of the Book-Entry  Certificates shall hold their
respective  Ownership Interests in and to each of such Certificates  through the
book-entry facilities of the Depository and, except as provided below, shall not
be entitled to Definitive  Certificates in respect of such Ownership  Interests.
All transfers by Certificate Owners of their respective  Ownership  Interests in
the  Book-Entry  Certificates  shall be made in accordance  with the  procedures
established by the Depository  Participant or brokerage firm  representing  such
Certificate  Owner.  Each  Depository  Participant  shall transfer the Ownership
Interests  only  in  the  Book-Entry   Certificates  of  Certificate  Owners  it
represents or of brokerage  firms for which it acts as agent in accordance  with
the Depository's normal procedures.

        The  Trustee,  the Master  Servicer and the Company may for all purposes
(including  the making of payments due on the  respective  Classes of Book-Entry
Certificates)  deal with the Depository as the authorized  representative of the
Certificate  Owners  with  respect  to  the  respective  Classes  of  Book-Entry
Certificates  for the purposes of  exercising  the rights of  Certificateholders
hereunder.  The rights of  Certificate  Owners  with  respect to the  respective
Classes of Book-Entry  Certificates shall be limited to those established by law
and agreements between such Certificate  Owners and the Depository  Participants
and brokerage firms representing such Certificate Owners.  Multiple requests and
directions  from,  and  votes  of,  the  Depository  as  Holder  of any Class of
Book-Entry  Certificates  with  respect to any  particular  matter  shall not be
deemed inconsistent if they

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<PAGE>

are made with respect to different Certificate Owners. The Trustee may establish
a reasonable  record date in connection with  solicitations  of consents from or
voting by  Certificateholders  and shall give notice to the  Depository  of such
record date.

        If (i)(A) the Company advises the Trustee in writing that the Depository
is no longer  willing or able to  properly  discharge  its  responsibilities  as
Depository and (B) the Company is unable to locate a qualified successor or (ii)
the  Company  at its option  advises  the  Trustee in writing  that it elects to
terminate the book-entry system through the Depository, the Trustee shall notify
all Certificate  Owners,  through the Depository,  of the occurrence of any such
event and of the availability of Definitive  Certificates to Certificate  Owners
requesting   the  same.   Upon  surrender  to  the  Trustee  of  the  Book-Entry
Certificates by the Depository,  accompanied by registration  instructions  from
the  Depository  for  registration  of  transfer,  the  Trustee  shall issue the
Definitive  Certificates.  Neither  the  Company,  the Master  Servicer  nor the
Trustee shall be liable for any actions taken by the  Depository or its nominee,
including,  without  limitation,  any delay in delivery of such instructions and
may  conclusively   rely  on,  and  shall  be  protected  in  relying  on,  such
instructions. Upon the issuance of Definitive Certificates all references herein
to obligations imposed upon or to be performed by the Company in connection with
the issuance of the Definitive  Certificates pursuant to this Section 5.01 shall
be deemed to be imposed upon and  performed by the Trustee,  and the Trustee and
the Master Servicer shall  recognize the Holders of the Definitive  Certificates
as Certificateholders hereunder.

        (c) From time to time Residential  Funding, as the initial Holder of the
Class A-V  Certificates,  may exchange such Holder's Class A-V  Certificates for
Subclasses  of Class A-V  Certificates  to be issued  under  this  Agreement  by
delivering a "Request for Exchange" substantially in the form attached hereto as
Exhibit N executed by an authorized officer, which Subclasses, in the aggregate,
will   represent  the   Uncertificated   Class  A-V  REMIC   Regular   Interests
corresponding  to the Class A-V  Certificates so surrendered  for exchange.  Any
Subclass so issued  shall bear a  numerical  designation  commencing  with Class
A-V-1 and continuing sequentially thereafter, and will evidence ownership of the
Uncertificated  REMIC Regular Interest or Interests specified in writing by such
initial  Holder to the  Trustee.  The  Trustee  may  conclusively,  without  any
independent  verification,  rely on,  and  shall be  protected  in  relying  on,
Residential  Funding's  determinations  of the  Uncertificated  Class  A-V REMIC
Regular Interests corresponding to any Subclass, the Initial Notional Amount and
the initial  Pass-Through  Rate on a Subclass  as set forth in such  Request for
Exchange and the Trustee  shall have no duty to determine if any  Uncertificated
Class  A-V  REMIC  Regular  Interest   designated  on  a  Request  for  Exchange
corresponds  to a Subclass which has  previously  been issued.  Each Subclass so
issued shall be  substantially  in the form set forth in Exhibit A and shall, on
original  issue,  be executed and  delivered  by the Trustee to the  Certificate
Registrar for  authentication  and delivery in accordance with Section  5.01(a).
Every  Certificate  presented or surrendered  for exchange by the initial Holder
shall (if so  required  by the  Trustee or the  Certificate  Registrar)  be duly
endorsed by, or be accompanied by a written  instrument of transfer  attached to
such  Certificate and shall be completed to the  satisfaction of the Trustee and
the  Certificate  Registrar  duly executed by, the initial Holder thereof or his
attorney duly authorized in writing.  The  Certificates of any Subclass of Class
A-V  Certificates  may be transferred  in whole,  but not in part, in accordance
with the provisions of Section 5.02.

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        Section 5.02  Registration of Transfer and Exchange of Certificates.

        (a) The Trustee shall cause to be kept at one of the offices or agencies
to be appointed by the Trustee in accordance with the provisions of Section 8.12
a Certificate  Register in which,  subject to such reasonable  regulations as it
may prescribe,  the Trustee shall provide for the  registration  of Certificates
and of transfers and exchanges of Certificates as herein  provided.  The Trustee
is initially  appointed  Certificate  Registrar  for the purpose of  registering
Certificates and transfers and exchanges of Certificates as herein provided. The
Certificate Registrar,  or the Trustee, shall provide the Master Servicer with a
certified list of Certificateholders as of each Record Date prior to the related
Determination Date.

        (b) Upon surrender for  registration  of transfer of any  Certificate at
any office or agency of the  Trustee  maintained  for such  purpose  pursuant to
Section  8.12 and,  in the case of any Class M, Class B or Class R  Certificate,
upon  satisfaction of the conditions set forth below,  the Trustee shall execute
and the Certificate Registrar shall authenticate and deliver, in the name of the
designated  transferee or  transferees,  one or more new  Certificates of a like
Class (or Subclass) and aggregate Percentage Interest.

        (c)  At  the  option  of  the  Certificateholders,  Certificates  may be
exchanged for other Certificates of authorized denominations of a like Class (or
Subclass) and aggregate Percentage Interest,  upon surrender of the Certificates
to be exchanged at any such office or agency.  Whenever any  Certificates are so
surrendered for exchange the Trustee shall execute and the Certificate Registrar
shall  authenticate  and  deliver  the  Certificates  of such  Class  which  the
Certificateholder  making the exchange is entitled to receive. Every Certificate
presented or  surrendered  for transfer or exchange shall (if so required by the
Trustee or the Certificate  Registrar) be duly endorsed by, or be accompanied by
a written  instrument  of transfer in form  satisfactory  to the Trustee and the
Certificate  Registrar duly executed by, the Holder thereof or his attorney duly
authorized in writing.

        (d) No  transfer,  sale,  pledge  or  other  disposition  of a  Class  B
Certificate  shall  be  made  unless  such  transfer,   sale,  pledge  or  other
disposition is exempt from the  registration  requirements of the Securities Act
of 1933, as amended,  and any  applicable  state  securities  laws or is made in
accordance  with said Act and laws.  In the event that a  transfer  of a Class B
Certificate  is to be made  either  (i)(A) the Trustee  shall  require a written
Opinion of Counsel  acceptable to and in form and substance  satisfactory to the
Trustee and the Company that such transfer may be made pursuant to an exemption,
describing the applicable  exemption and the basis  therefor,  from said Act and
laws or is being made  pursuant to said Act and laws,  which  Opinion of Counsel
shall not be an  expense of the  Trustee,  the  Company  or the Master  Servicer
(except that, if such transfer is made by the Company or the Master  Servicer or
any Affiliate  thereof,  the Company or the Master  Servicer  shall provide such
Opinion of Counsel at their own expense);  provided that such Opinion of Counsel
will not be  required  in  connection  with  the  initial  transfer  of any such
Certificate  by the  Company  or any  Affiliate  thereof  to the  Company  or an
Affiliate of the Company and (B) the Trustee  shall  require the  transferee  to
execute a representation letter,  substantially in the form of Exhibit H hereto,
and the Trustee shall require the transferor to execute a representation letter,
substantially  in the form of Exhibit I hereto,  each  acceptable to and in form
and  substance  satisfactory  to the Company and the Trustee  certifying  to the
Company  and  the   Trustee  the  facts   surrounding   such   transfer,   which
representation  letters  shall not be an expense of the Trustee,  the Company or
the Master Servicer;

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<PAGE>

provided,  however,  that such  representation  letters  will not be required in
connection  with any  transfer  of any such  Certificate  by the  Company or any
Affiliate thereof to the Company or an Affiliate of the Company, and the Trustee
shall be entitled to conclusively  rely upon a representation  (which,  upon the
request of the Trustee, shall be a written  representation) from the Company, of
the  status  of such  transferee  as an  Affiliate  of the  Company  or (ii) the
prospective  transferee of such a  Certificate  shall be required to provide the
Trustee,  the  Company  and  the  Master  Servicer  with  an  investment  letter
substantially  in the form of Exhibit J  attached  hereto (or such other form as
the Company in its sole discretion deems  acceptable),  which investment  letter
shall not be an expense of the Trustee, the Company or the Master Servicer,  and
which investment letter states that, among other things,  such transferee (A) is
a "qualified institutional buyer" as defined under Rule 144A, acting for its own
account or the  accounts of other  "qualified  institutional  buyers" as defined
under Rule 144A, and (B) is aware that the proposed  transferor  intends to rely
on the exemption  from  registration  requirements  under the  Securities Act of
1933,  as  amended,  provided by Rule 144A.  The Holder of any such  Certificate
desiring to effect any such transfer,  sale, pledge or other disposition  shall,
and does  hereby  agree to,  indemnify  the  Trustee,  the  Company,  the Master
Servicer and the Certificate  Registrar against any liability that may result if
the transfer,  sale, pledge or other disposition is not so exempt or is not made
in accordance with such federal and state laws.

        (e) (i) In the case of any Class B or Class R Certificate  presented for
registration in the name of any Person,  either (A) the Trustee shall require an
Opinion of Counsel  acceptable to and in form and substance  satisfactory to the
Trustee,  the Company and the Master Servicer to the effect that the purchase or
holding of such Class B or Class R Certificate is permissible  under  applicable
law, will not  constitute  or result in any  non-exempt  prohibited  transaction
under  Section 406 of the Employee  Retirement  Income  Security Act of 1974, as
amended ("ERISA"),  or Section 4975 of the Code (or comparable provisions of any
subsequent  enactments),  and will not subject the  Trustee,  the Company or the
Master  Servicer  to any  obligation  or  liability  (including  obligations  or
liabilities  under  ERISA or  Section  4975 of the  Code) in  addition  to those
undertaken in this  Agreement,  which Opinion of Counsel shall not be an expense
of the  Trustee,  the  Company or the  Master  Servicer  or (B) the  prospective
Transferee shall be required to provide the Trustee,  the Company and the Master
Servicer  with a  certification  to the  effect  set forth in  paragraph  six of
Exhibit H (with  respect to any Class B  Certificate)  or paragraph  fourteen of
Exhibit  G-1 (with  respect to any Class R  Certificate),  which the Trustee may
rely upon without further inquiry or investigation, or such other certifications
as the Trustee may deem  desirable or necessary in order to establish  that such
Transferee or the Person in whose name such registration is requested either (a)
is not an  employee  benefit  plan  or  other  plan  subject  to the  prohibited
transaction  provisions  of ERISA or  Section  4975 of the Code,  or any  Person
(including an  investment  manager,  a named  fiduciary or a trustee of any such
plan) who is using  "plan  assets" of any such plan to effect  such  acquisition
(each,  a "Plan  Investor") or (b) in the case of any Class B  Certificate,  the
following conditions are satisfied: (i) such Transferee is an insurance company,
(ii) the source of funds used to purchase or hold such  Certificate (or interest
therein)  is  an  "insurance  company  general  account"  (as  defined  in  U.S.
Department of Labor Prohibited  Transaction Class Exemption  ("PTCE") 95-60, and
(iii) the  conditions  set forth in  Sections  I and III of PTCE 95-60 have been
satisfied  (each entity that satisfies  this clause (b), a "Complying  Insurance
Company").

                      (ii)  Any  Transferee  of a  Class M  Certificate  will be
               deemed to have  represented  by virtue of its purchase or holding
               of such Certificate (or interest

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<PAGE>

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

                      (iii)  (A) If any  Class M  Certificate  (or any  interest
               therein)  is acquired or held by any Person that does not satisfy
               the conditions  described in paragraph (ii) above,  then the last
               preceding Transferee that either (i) is not a Plan Investor, (ii)
               acquired such  Certificate in compliance  with the RFC Exemption,
               or (iii) is a Complying  Insurance Company shall be restored,  to
               the extent  permitted  by law, to all rights and  obligations  as
               Certificate  Owner  thereof  retroactive  to  the  date  of  such
               Transfer of such Class M Certificate.  The Trustee shall be under
               no  liability  to any Person for making any  payments due on such
               Certificate to such preceding Transferee.

                             (B)   Any   purported   Certificate   Owner   whose
                      acquisition  or  holding  of any Class M  Certificate  (or
                      interest   therein)  was  effected  in  violation  of  the
                      restrictions  in this Section  5.02(e) shall indemnify and
                      hold  harmless  the  Company,   the  Trustee,  the  Master
                      Servicer,  any  Subservicer,  and the Trust  Fund from and
                      against any and all liabilities, claims, costs or expenses
                      incurred by such  parties as a result of such  acquisition
                      or holding.

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

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

                             (B) In connection with any proposed Transfer of any
                      Ownership  Interest in a Class R Certificate,  the Trustee
                      shall  require  delivery to it, and shall not register the
                      Transfer of any Class R Certificate  until its receipt of,
                      (I) an affidavit and agreement (a "Transfer  Affidavit and
                      Agreement,"  in the form  attached  hereto as Exhibit G-1)
                      from the proposed Transferee, in form

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<PAGE>

                      and  substance   satisfactory  to  the  Master   Servicer,
                      representing and warranting,  among other things,  that it
                      is a Permitted  Transferee,  that it is not  acquiring its
                      Ownership  Interest in the Class R Certificate that is the
                      subject of the proposed Transfer as a nominee,  trustee or
                      agent for any  Person who is not a  Permitted  Transferee,
                      that for so long as it retains its Ownership Interest in a
                      Class  R  Certificate,   it  will  endeavor  to  remain  a
                      Permitted  Transferee,   and  that  it  has  reviewed  the
                      provisions of this Section  5.02(f) and agrees to be bound
                      by them,  and  (II) a  certificate,  in the form  attached
                      hereto as Exhibit G-2, from the Holder wishing to transfer
                      the   Class  R   Certificate,   in  form   and   substance
                      satisfactory  to the  Master  Servicer,  representing  and
                      warranting,  among  other  things,  that no purpose of the
                      proposed   Transfer  is  to  impede  the   assessment   or
                      collection of tax.

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

                             (D) Each Person  holding or acquiring any Ownership
                      Interest  in a  Class R  Certificate  shall  agree  (x) to
                      require a Transfer  Affidavit and Agreement from any other
                      Person  to whom  such  Person  attempts  to  transfer  its
                      Ownership Interest in a Class R Certificate and (y) not to
                      transfer  its  Ownership  Interest  unless it  provides  a
                      certificate to the Trustee in the form attached  hereto as
                      Exhibit G-2.

                             (E) Each Person  holding or  acquiring an Ownership
                      Interest  in a  Class  R  Certificate,  by  purchasing  an
                      Ownership Interest in such Certificate, agrees to give the
                      Trustee written notice that it is a "pass-through interest
                      holder"   within  the   meaning  of   Temporary   Treasury
                      Regulations Section  1.67-3T(a)(2)(i)(A)  immediately upon
                      acquiring an Ownership  Interest in a Class R Certificate,
                      if it is, or is holding an Ownership Interest in a Class R
                      Certificate  on  behalf  of,  a   "pass-through   interest
                      holder."

                      (ii) The Trustee will register the Transfer of any Class R
               Certificate only if it shall have received the Transfer Affidavit
               and  Agreement,  a  certificate  of the  Holder  requesting  such
               transfer  in the form  attached  hereto as Exhibit G-2 and all of
               such other  documents as shall have been  reasonably  required by
               the Trustee as a condition to such registration. Transfers of the
               Class  R   Certificates   to   Non-United   States   Persons  and
               Disqualified  Organizations (as defined in Section  860E(e)(5) of
               the Code) are prohibited.

                      (iii) (A) If any Disqualified  Organization shall become a
               holder  of  a  Class  R  Certificate,  then  the  last  preceding
               Permitted  Transferee shall be restored,  to the extent permitted
               by  law,  to  all  rights  and   obligations  as  Holder  thereof
               retroactive

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<PAGE>

               to the date of  registration  of such  Transfer  of such  Class R
               Certificate.  If a Non-United States Person shall become a holder
               of a Class R Certificate,  then the last preceding  United States
               Person shall be restored,  to the extent permitted by law, to all
               rights and obligations as Holder thereof  retroactive to the date
               of registration of such Transfer of such Class R Certificate.  If
               a transfer of a Class R Certificate  is  disregarded  pursuant to
               the  provisions  of  Treasury  Regulations  Section  1.860E-1  or
               Section 1.860G-3,  then the last preceding  Permitted  Transferee
               shall be restored,  to the extent permitted by law, to all rights
               and  obligations  as Holder  thereof  retroactive  to the date of
               registration  of such Transfer of such Class R  Certificate.  The
               Trustee  shall  be  under  no  liability  to any  Person  for any
               registration of Transfer of a Class R Certificate that is in fact
               not permitted by this Section  5.02(f) or for making any payments
               due on such  Certificate  to the holder thereof or for taking any
               other action with respect to such holder under the  provisions of
               this Agreement.

                             (B) If any  purported  Transferee  shall  become  a
                      Holder  of a  Class  R  Certificate  in  violation  of the
                      restrictions  in this  Section  5.02(f)  and to the extent
                      that the  retroactive  restoration  of the  rights  of the
                      Holder of such Class R Certificate  as described in clause
                      (iii)(A) above shall be invalid, illegal or unenforceable,
                      then the Master  Servicer  shall  have the right,  without
                      notice to the  holder or any prior  holder of such Class R
                      Certificate,  to  sell  such  Class  R  Certificate  to  a
                      purchaser selected by the Master Servicer on such terms as
                      the Master Servicer may choose. Such purported  Transferee
                      shall   promptly   endorse  and   deliver   each  Class  R
                      Certificate  in accordance  with the  instructions  of the
                      Master Servicer. Such purchaser may be the Master Servicer
                      itself  or any  Affiliate  of  the  Master  Servicer.  The
                      proceeds of such sale, net of the  commissions  (which may
                      include  commissions payable to the Master Servicer or its
                      Affiliates),  expenses  and  taxes  due,  if any,  will be
                      remitted  by  the  Master   Servicer  to  such   purported
                      Transferee.  The terms and  conditions  of any sale  under
                      this  clause  (iii)(B)  shall  be  determined  in the sole
                      discretion of the Master Servicer, and the Master Servicer
                      shall  not be  liable to any  Person  having an  Ownership
                      Interest  in a  Class R  Certificate  as a  result  of its
                      exercise of such discretion.

                      (iv) The Master Servicer, on behalf of the Trustee,  shall
               make  available,  upon  written  request  from the  Trustee,  all
               information  necessary to compute any tax imposed (A) as a result
               of the Transfer of an Ownership Interest in a Class R Certificate
               to any Person who is a Disqualified  Organization,  including the
               information   regarding  "excess  inclusions"  of  such  Class  R
               Certificates  required  to be provided  to the  Internal  Revenue
               Service and certain Persons as described in Treasury  Regulations
               Sections  1.860D-1(b)(5) and 1.860E-2(a)(5),  and (B) as a result
               of any  regulated  investment  company,  real  estate  investment
               trust,   common  trust  fund,   partnership,   trust,  estate  or
               organization  described in Section 1381 of the Code that holds an
               Ownership  Interest in a Class R Certificate  having as among its
               record  holders  at any time  any  Person  who is a  Disqualified
               Organization.   Reasonable   compensation   for  providing   such
               information  may be  required  by the Master  Servicer  from such
               Person.

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<PAGE>

                      (v) The provisions of this Section 5.02(f) set forth prior
               to this  clause  (v) may be  modified,  added  to or  eliminated,
               provided that there shall have been  delivered to the Trustee the
               following:

                             (A) written notification from each Rating Agency to
                      the  effect   that  the   modification,   addition  to  or
                      elimination of such  provisions will not cause such Rating
                      Agency to downgrade its then-current  ratings,  if any, of
                      any Class of the Senior,  Class M or Class B  Certificates
                      below the lower of the  then-current  rating or the rating
                      assigned to such  Certificates  as of the Closing  Date by
                      such Rating Agency; and

                             (B)  subject  to  Section  10.01(f),  an  Officers'
                      Certificate of the Master Servicer stating that the Master
                      Servicer has  received an Opinion of Counsel,  in form and
                      substance  satisfactory  to the  Master  Servicer,  to the
                      effect that such  modification,  addition to or absence of
                      such  provisions  will not cause any  portion of any REMIC
                      formed under the Series  Supplement to cease to qualify as
                      a REMIC and will not cause  (x) any  portion  of any REMIC
                      formed  under the  Series  Supplement  to be subject to an
                      entity-level  tax  caused by the  Transfer  of any Class R
                      Certificate   to  a   Person   that   is  a   Disqualified
                      Organization or (y) a Certificateholder  or another Person
                      to  be  subject  to a  REMIC-related  tax  caused  by  the
                      Transfer of a Class R Certificate  to a Person that is not
                      a Permitted Transferee.

        (g) No service  charge  shall be made for any  transfer  or  exchange of
Certificates  of any  Class,  but  the  Trustee  may  require  payment  of a sum
sufficient  to cover  any tax or  governmental  charge  that may be  imposed  in
connection with any transfer or exchange of Certificates.

     (h) All  Certificates  surrendered  for  transfer  and  exchange  shall  be
destroyed by the Certificate Registrar.

        Section 5.03  Mutilated, Destroyed, Lost or Stolen Certificates.

        If (i) any  mutilated  Certificate  is  surrendered  to the  Certificate
Registrar,  or the Trustee and the  Certificate  Registrar  receive  evidence to
their  satisfaction of the destruction,  loss or theft of any  Certificate,  and
(ii) there is  delivered  to the  Trustee  and the  Certificate  Registrar  such
security or indemnity as may be required by them to save each of them  harmless,
then, in the absence of notice to the Trustee or the Certificate  Registrar that
such  Certificate has been acquired by a bona fide purchaser,  the Trustee shall
execute  and the  Certificate  Registrar  shall  authenticate  and  deliver,  in
exchange  for or in lieu  of any  such  mutilated,  destroyed,  lost  or  stolen
Certificate,  a new Certificate of like tenor, Class and Percentage Interest but
bearing a number not contemporaneously outstanding. Upon the issuance of any new
Certificate  under this  Section,  the  Trustee may require the payment of a sum
sufficient to cover any tax or other governmental  charge that may be imposed in
relation thereto and any other expenses  (including the fees and expenses of the
Trustee  and the  Certificate  Registrar)  connected  therewith.  Any  duplicate
Certificate issued pursuant to this Section

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shall constitute  complete and  indefeasible  evidence of ownership in the Trust
Fund,  as if  originally  issued,  whether or not the lost,  stolen or destroyed
Certificate shall be found at any time.

        Section 5.04  Persons Deemed Owners.

        Prior to due presentation of a Certificate for registration of transfer,
the Company,  the Master Servicer,  the Trustee,  any Certificate  Insurer,  the
Certificate  Registrar and any agent of the Company,  the Master  Servicer,  the
Trustee,  any  Certificate  Insurer or the  Certificate  Registrar may treat the
Person  in  whose  name  any  Certificate  is  registered  as the  owner of such
Certificate for the purpose of receiving  distributions pursuant to Section 4.02
and for all other purposes  whatsoever,  except as and to the extent provided in
the  definition  of  "Certificateholder,"  and neither the  Company,  the Master
Servicer,  the Trustee, any Certificate  Insurer, the Certificate  Registrar nor
any agent of the Company,  the Master  Servicer,  the Trustee,  any  Certificate
Insurer or the Certificate Registrar shall be affected by notice to the contrary
except as provided in Section 5.02(f).

        Section 5.05  Appointment of Paying Agent.

        The  Trustee  may  appoint  a Paying  Agent  for the  purpose  of making
distributions to the  Certificateholders  pursuant to Section 4.02. In the event
of any  such  appointment,  on or  prior to each  Distribution  Date the  Master
Servicer on behalf of the Trustee  shall  deposit or cause to be deposited  with
the Paying Agent a sum sufficient to make the payments to the Certificateholders
in the amounts and in the manner  provided for in Section  4.02,  such sum to be
held in trust for the benefit of the Certificateholders.

        The Trustee  shall cause each Paying Agent to execute and deliver to the
Trustee an  instrument  in which such Paying  Agent shall agree with the Trustee
that such  Paying  Agent  will hold all sums held by it for the  payment  to the
Certificateholders in trust for the benefit of the  Certificateholders  entitled
thereto  until such sums shall be paid to such  Certificateholders.  Any sums so
held by such Paying Agent shall be held only in Eligible  Accounts to the extent
such sums are not distributed to the  Certificateholders  on the date of receipt
by such Paying Agent.

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                                   ARTICLE VI

                       THE COMPANY AND THE MASTER SERVICER

          Section 6.01  Respective  Liabilities  of the  Company  and the Master
               Servicer.

        The Company and the Master  Servicer  shall each be liable in accordance
herewith only to the extent of the  obligations  specifically  and  respectively
imposed upon and undertaken by the Company and the Master  Servicer  herein.  By
way of  illustration  and not  limitation,  the  Company  is not  liable for the
servicing  and  administration  of the  Mortgage  Loans,  nor is it obligated by
Section 7.01 or Section 10.01 to assume any  obligations of the Master  Servicer
or to appoint a designee  to assume such  obligations,  nor is it liable for any
other  obligation  hereunder that it may, but is not obligated to, assume unless
it elects to assume such obligation in accordance herewith.

          Section 6.02  Merger or  Consolidation  of the  Company  or the Master
               Servicer; Assignment of Rights and Delegation of Duties by Master
               Servicer.

        (a) The  Company and the Master  Servicer  will each keep in full effect
its  existence,  rights and  franchises as a  corporation  under the laws of the
state of its incorporation,  and will each obtain and preserve its qualification
to do  business  as a foreign  corporation  in each  jurisdiction  in which such
qualification   is  or  shall  be   necessary   to  protect  the   validity  and
enforceability of this Agreement,  the Certificates or any of the Mortgage Loans
and to perform its respective duties under this Agreement.

        (b) Any Person  into which the  Company  or the Master  Servicer  may be
merged  or  consolidated,  or any  corporation  resulting  from  any  merger  or
consolidation  to which the Company or the Master  Servicer shall be a party, or
any Person  succeeding  to the  business of the Company or the Master  Servicer,
shall be the  successor of the Company or the Master  Servicer,  as the case may
be,  hereunder,  without the execution or filing of any paper or any further act
on the  part of any of the  parties  hereto,  anything  herein  to the  contrary
notwithstanding;  provided,  however,  that the successor or surviving Person to
the Master  Servicer  shall be qualified to service  mortgage loans on behalf of
Fannie Mae or Freddie  Mac;  and  provided  further  that each  Rating  Agency's
ratings,  if any,  of the  Senior,  Class M or Class B  Certificates  in  effect
immediately prior to such merger or consolidation will not be qualified, reduced
or withdrawn as a result  thereof (as  evidenced by a letter to such effect from
each Rating Agency).

        (c) Notwithstanding  anything else in this Section 6.02 and Section 6.04
to the  contrary,  the Master  Servicer  may assign its rights and  delegate its
duties and obligations under this Agreement;  provided that the Person accepting
such  assignment or  delegation  shall be a Person which is qualified to service
mortgage   loans  on  behalf  of  Fannie  Mae  or  Freddie  Mac,  is  reasonably
satisfactory to the Trustee and the Company,  is willing to service the Mortgage
Loans and executes and delivers to the Company and the Trustee an agreement,  in
form and substance reasonably satisfactory to the Company and the Trustee, which
contains an  assumption by such Person of the due and punctual  performance  and
observance  of each  covenant  and  condition to be performed or observed by the
Master Servicer under this Agreement; provided further that each Rating Agency's

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rating of the Classes of Certificates that have been rated in effect immediately
prior to such  assignment  and  delegation  will not be  qualified,  reduced  or
withdrawn  as a result of such  assignment  and  delegation  (as  evidenced by a
letter  to such  effect  from  each  Rating  Agency).  In the  case of any  such
assignment  and  delegation,  the Master  Servicer  shall be  released  from its
obligations  under this Agreement,  except that the Master Servicer shall remain
liable for all  liabilities  and  obligations  incurred by it as Master Servicer
hereunder  prior to the  satisfaction  of the conditions to such  assignment and
delegation set forth in the next preceding sentence.

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

        Neither  the  Company,  the Master  Servicer  nor any of the  directors,
officers,  employees  or agents of the Company or the Master  Servicer  shall be
under any liability to the Trust Fund or the  Certificateholders  for any action
taken or for refraining  from the taking of any action in good faith pursuant to
this  Agreement,  or for  errors  in  judgment;  provided,  however,  that  this
provision shall not protect the Company,  the Master Servicer or any such Person
against any breach of warranties or representations made herein or any liability
which would otherwise be imposed by reason of willful misfeasance,  bad faith or
gross negligence in the performance of duties or by reason of reckless disregard
of obligations and duties  hereunder.  The Company,  the Master Servicer and any
director,  officer,  employee or agent of the Company or the Master Servicer may
rely in good faith on any document of any kind prima facie properly executed and
submitted by any Person respecting any matters arising  hereunder.  The Company,
the Master Servicer and any director,  officer, employee or agent of the Company
or the Master  Servicer shall be indemnified by the Trust Fund and held harmless
against any loss,  liability or expense  incurred in  connection  with any legal
action  relating to this  Agreement  or the  Certificates,  other than any loss,
liability or expense  related to any specific  Mortgage  Loan or Mortgage  Loans
(except as any such loss,  liability or expense shall be otherwise  reimbursable
pursuant  to this  Agreement)  and any loss,  liability  or expense  incurred by
reason of willful misfeasance,  bad faith or gross negligence in the performance
of duties hereunder or by reason of reckless disregard of obligations and duties
hereunder.

        Neither  the  Company  nor  the  Master  Servicer  shall  be  under  any
obligation to appear in, prosecute or defend any legal or administrative action,
proceeding,  hearing or  examination  that is not  incidental to its  respective
duties  under this  Agreement  and which in its  opinion  may  involve it in any
expense or liability; provided, however, that the Company or the Master Servicer
may  in its  discretion  undertake  any  such  action,  proceeding,  hearing  or
examination that it may deem necessary or desirable in respect to this Agreement
and the  rights  and  duties of the  parties  hereto  and the  interests  of the
Certificateholders  hereunder.  In such event,  the legal  expenses and costs of
such action,  proceeding,  hearing or  examination  and any liability  resulting
therefrom  shall be expenses,  costs and  liabilities of the Trust Fund, and the
Company and the Master Servicer shall be entitled to be reimbursed  therefor out
of amounts  attributable  to the  Mortgage  Loans on  deposit  in the  Custodial
Account as provided by Section 3.10 and, on the Distribution  Date(s)  following
such reimbursement,  the aggregate of such expenses and costs shall be allocated
in reduction of the Accrued Certificate  Interest on each Class entitled thereto
in the same  manner as if such  expenses  and  costs  constituted  a  Prepayment
Interest Shortfall.

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        Section 6.04  Company and Master Servicer Not to Resign.

        Subject to the  provisions of Section 6.02,  neither the Company nor the
Master  Servicer shall resign from its respective  obligations and duties hereby
imposed on it except upon  determination that its duties hereunder are no longer
permissible  under  applicable  law.  Any  such  determination   permitting  the
resignation  of the  Company or the Master  Servicer  shall be  evidenced  by an
Opinion of Counsel to such effect delivered to the Trustee.  No such resignation
by the Master  Servicer shall become  effective until the Trustee or a successor
servicer  shall  have  assumed  the  Master  Servicer's   responsibilities   and
obligations in accordance with Section 7.02.

                                   ARTICLE VII

                                     DEFAULT

        Section 7.01  Events of Default.

        Event of Default,  wherever used herein,  means any one of the following
events  (whatever  reason  for such  Event of  Default  and  whether it shall be
voluntary or  involuntary  or be effected by operation of law or pursuant to any
judgment,  decree or order of any court or any order,  rule or regulation of any
administrative or governmental body):

                      (i) the Master  Servicer shall fail to distribute or cause
               to be distributed to the Holders of Certificates of any Class any
               distribution   required  to  be  made  under  the  terms  of  the
               Certificates  of such  Class and this  Agreement  and,  in either
               case,  such failure shall  continue  unremedied for a period of 5
               days after the date upon which  written  notice of such  failure,
               requiring  such failure to be remedied,  shall have been given to
               the  Master  Servicer  by the  Trustee  or the  Company or to the
               Master  Servicer,  the  Company and the Trustee by the Holders of
               Certificates  of  such  Class  evidencing   Percentage  Interests
               aggregating not less than 25%; or

                      (ii) the Master  Servicer shall fail to observe or perform
               in any material  respect any other of the covenants or agreements
               on the part of the Master Servicer  contained in the Certificates
               of any Class or in this Agreement and such failure shall continue
               unremedied  for a period of 30 days  (except  that such number of
               days shall be 15 in the case of a failure to pay the  premium for
               any Required  Insurance  Policy)  after the date on which written
               notice of such failure,  requiring the same to be remedied, shall
               have been  given to the  Master  Servicer  by the  Trustee or the
               Company,  or to the Master Servicer,  the Company and the Trustee
               by the Holders of  Certificates of any Class  evidencing,  in the
               case of any such Class, Percentage Interests aggregating not less
               than 25%; or

                      (iii)  a  decree   or  order  of  a  court  or  agency  or
               supervisory  authority having  jurisdiction in the premises in an
               involuntary  case under any  present  or future  federal or state
               bankruptcy, insolvency or similar law or appointing a conservator
               or receiver or  liquidator  in any  insolvency,  readjustment  of
               debt,   marshalling   of  assets  and   liabilities   or  similar
               proceedings, or for the winding-up or liquidation of its affairs,

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               shall have been  entered  against  the Master  Servicer  and such
               decree or order  shall have  remained  in force  undischarged  or
               unstayed for a period of 60 days; or

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

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

                      (vi) the Master Servicer shall notify the Trustee pursuant
               to  Section   4.04(b)  that  it  is  unable  to  deposit  in  the
               Certificate Account an amount equal to the Advance.

        If an Event of  Default  described  in clauses  (i)-(v) of this  Section
shall  occur,  then,  and in each and every such case,  so long as such Event of
Default shall not have been remedied, either the Company or the Trustee may, and
at the  direction  of Holders of  Certificates  entitled  to at least 51% of the
Voting Rights,  the Trustee shall,  by notice in writing to the Master  Servicer
(and to the  Company if given by the  Trustee or to the  Trustee if given by the
Company),  terminate all of the rights and  obligations  of the Master  Servicer
under this Agreement and in and to the Mortgage Loans and the proceeds  thereof,
other than its rights as a Certificateholder  hereunder.  If an Event of Default
described in clause (vi) hereof shall occur, the Trustee shall, by notice to the
Master  Servicer and the Company,  immediately  terminate  all of the rights and
obligations  of the  Master  Servicer  under  this  Agreement  and in and to the
Mortgage  Loans  and  the  proceeds   thereof,   other  than  its  rights  as  a
Certificateholder  hereunder  as  provided in Section  4.04(b).  On or after the
receipt by the Master Servicer of such written  notice,  all authority and power
of the  Master  Servicer  under  this  Agreement,  whether  with  respect to the
Certificates  (other  than  as a  Holder  thereof)  or  the  Mortgage  Loans  or
otherwise, shall subject to Section 7.02 pass to and be vested in the Trustee or
the  Trustee's  designee  appointed  pursuant  to  Section  7.02;  and,  without
limitation,  the  Trustee is hereby  authorized  and  empowered  to execute  and
deliver, on behalf of the Master Servicer, as attorney-in-fact or otherwise, any
and all documents and other instruments,  and to do or accomplish all other acts
or things  necessary  or  appropriate  to effect the  purposes of such notice of
termination,  whether to complete the transfer and  endorsement or assignment of
the Mortgage  Loans and related  documents,  or otherwise.  The Master  Servicer
agrees to cooperate with the Trustee in effecting the  termination of the Master
Servicer's responsibilities and rights hereunder, including, without limitation,
the transfer to the Trustee or its designee for administration by it of all cash
amounts  which  shall at the time be credited  to the  Custodial  Account or the
Certificate  Account or  thereafter  be received  with  respect to the  Mortgage
Loans. No such  termination  shall release the Master Servicer for any liability
that it would  otherwise  have  hereunder  for any act or omission  prior to the
effective time of such termination.

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        Notwithstanding any termination of the activities of Residential Funding
in its  capacity as Master  Servicer  hereunder,  Residential  Funding  shall be
entitled  to  receive,  out of any late  collection  of a Monthly  Payment  on a
Mortgage  Loan  which  was  due  prior  to the  notice  terminating  Residential
Funding's rights and obligations as Master Servicer hereunder and received after
such notice,  that portion to which Residential Funding would have been entitled
pursuant to Sections 3.10(a)(ii), (vi) and (vii) as well as its Servicing Fee in
respect thereof,  and any other amounts payable to Residential Funding hereunder
the  entitlement  to which  arose  prior to the  termination  of its  activities
hereunder.  Upon the  termination  of  Residential  Funding  as Master  Servicer
hereunder the Company shall deliver to the Trustee a copy of the Program Guide.

        Section 7.02  Trustee or Company to Act; Appointment of Successor.

        (a) On and  after  the time the  Master  Servicer  receives  a notice of
termination pursuant to Section 7.01 or resigns in accordance with Section 6.04,
the Trustee or, upon notice to the Company and with the Company's consent (which
shall not be  unreasonably  withheld) a designee  (which meets the standards set
forth  below) of the  Trustee,  shall be the  successor  in all  respects to the
Master  Servicer  in its  capacity  as  servicer  under this  Agreement  and the
transactions  set forth or  provided  for herein and shall be subject to all the
responsibilities,  duties and liabilities  relating thereto placed on the Master
Servicer (except for the  responsibilities,  duties and liabilities contained in
Sections 2.02 and 2.03(a),  excluding the duty to notify related Subservicers or
Sellers as set forth in such Sections, and its obligations to deposit amounts in
respect of losses incurred prior to such notice or termination on the investment
of funds  in the  Custodial  Account  or the  Certificate  Account  pursuant  to
Sections  3.07(c) and  4.01(b) by the terms and  provisions  hereof);  provided,
however,  that any failure to perform such duties or responsibilities  caused by
the  preceding  Master  Servicer's  failure to provide  information  required by
Section  4.04 shall not be  considered  a default by the Trustee  hereunder.  As
compensation  therefor,  the Trustee shall be entitled to all funds  relating to
the Mortgage Loans which the Master  Servicer would have been entitled to charge
to the Custodial  Account or the Certificate  Account if the Master Servicer had
continued to act  hereunder  and, in  addition,  shall be entitled to the income
from any Permitted  Investments  made with amounts  attributable to the Mortgage
Loans held in the Custodial Account or the Certificate  Account.  If the Trustee
has become the successor to the Master  Servicer in accordance with Section 6.04
or Section 7.01, then notwithstanding the above, the Trustee may, if it shall be
unwilling to so act, or shall, if it is unable to so act, appoint, or petition a
court of competent  jurisdiction to appoint,  any  established  housing and home
finance  institution,  which  is  also a  Fannie  Mae- or  Freddie  Mac-approved
mortgage servicing institution,  having a net worth of not less than $10,000,000
as the successor to the Master  Servicer  hereunder in the  assumption of all or
any part of the  responsibilities,  duties or liabilities of the Master Servicer
hereunder.  Pending appointment of a successor to the Master Servicer hereunder,
the Trustee shall become  successor to the Master Servicer and shall act in such
capacity as  hereinabove  provided.  In  connection  with such  appointment  and
assumption,  the Trustee may make such arrangements for the compensation of such
successor  out of  payments  on Mortgage  Loans as it and such  successor  shall
agree;  provided,  however, that no such compensation shall be in excess of that
permitted the initial Master Servicer hereunder.  The Company,  the Trustee, the
Custodian  and such  successor  shall  take such  action,  consistent  with this
Agreement,  as  shall be  necessary  to  effectuate  any  such  succession.  The
Servicing  Fee for any  successor  Master  Servicer  appointed  pursuant to this
Section 7.02 will be lowered with respect to those Mortgage Loans, if any, where
the Subservicing Fee accrues at a rate of less than 0.20% per annum in the event
that the

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successor  Master  Servicer is not servicing such Mortgage Loans directly and it
is necessary to raise the related  Subservicing Fee to a rate of 0.20% per annum
in order to hire a Subservicer with respect to such Mortgage Loans.

        (b) In connection  with the  termination  or  resignation  of the Master
Servicer  hereunder,  either (i) the successor  Master  Servicer,  including the
Trustee if the Trustee is acting as successor Master  Servicer,  shall represent
and  warrant  that it is a member of MERS in good  standing  and shall  agree to
comply  in all  material  respects  with the  rules  and  procedures  of MERS in
connection  with the servicing of the Mortgage  Loans that are  registered  with
MERS, in which case the  predecessor  Master  Servicer shall  cooperate with the
successor  Master  Servicer in causing MERS to revise its records to reflect the
transfer of servicing to the successor  Master Servicer as necessary under MERS'
rules and regulations,  or (ii) the predecessor  Master Servicer shall cooperate
with the  successor  Master  Servicer in causing  MERS to execute and deliver an
assignment of Mortgage in recordable  form to transfer the Mortgage from MERS to
the Trustee and to execute and deliver such other  notices,  documents and other
instruments  as may be  necessary  or  desirable  to effect a  transfer  of such
Mortgage Loan or servicing of such  Mortgage  Loan on the MERS(R)  System to the
successor Master Servicer.  The predecessor  Master Servicer shall file or cause
to be  filed  any such  assignment  in the  appropriate  recording  office.  The
predecessor  Master  Servicer  shall  bear any and all  fees of  MERS,  costs of
preparing  any  assignments  of  Mortgage,  and fees and  costs  of  filing  any
assignments  of Mortgage  that may be required  under this  subsection  (b). The
successor  Master  Servicer  shall cause such  assignment to be delivered to the
Trustee or the Custodian  promptly upon receipt of the original with evidence of
recording  thereon or a copy certified by the public  recording  office in which
such assignment was recorded.

        Section 7.03  Notification to Certificateholders.

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

        (b) Within 60 days after the  occurrence  of any Event of  Default,  the
Trustee  shall  transmit by mail to all Holders of  Certificates  notice of each
such Event of  Default  hereunder  known to the  Trustee,  unless  such Event of
Default shall have been cured or waived.

        Section 7.04  Waiver of Events of Default.

        The Holders representing at least 66% of the Voting Rights affected by a
default  or Event of  Default  hereunder  may  waive  such  default  or Event of
Default; provided,  however, that (a) a default or Event of Default under clause
(i) of Section  7.01 may be waived  only by all of the  Holders of  Certificates
affected by such default or Event of Default and (b) no waiver  pursuant to this
Section 7.04 shall affect the Holders of Certificates in the manner set forth in
Section  11.01(b)(i)  or (ii).  Upon any such  waiver of a  default  or Event of
Default by the Holders  representing  the requisite  percentage of Voting Rights
affected by such  default or Event of Default,  such default or Event of Default
shall cease to exist and shall be deemed to have been remedied for every purpose
hereunder.  No such waiver shall extend to any  subsequent  or other  default or
Event of  Default or impair any right  consequent  thereon  except to the extent
expressly so waived.

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                                  ARTICLE VIII

                             CONCERNING THE TRUSTEE

        Section 8.01  Duties of Trustee.

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

        (b)  The  Trustee,  upon  receipt  of  all  resolutions,   certificates,
statements,  opinions, reports, documents, orders or other instruments furnished
to the Trustee which are specifically  required to be furnished  pursuant to any
provision  of this  Agreement,  shall  examine  them to  determine  whether they
conform to the  requirements  of this  Agreement.  The Trustee  shall notify the
Certificateholders  of any such documents which do not materially conform to the
requirements  of  this  Agreement  in the  event  that  the  Trustee,  after  so
requesting, does not receive satisfactorily corrected documents.

        The Trustee shall  forward or cause to be forwarded in a timely  fashion
the  notices,  reports and  statements  required to be  forwarded by the Trustee
pursuant to Sections 4.03,  4.06, 7.03 and 10.01. The Trustee shall furnish in a
timely fashion to the Master  Servicer such  information as the Master  Servicer
may reasonably  request from time to time for the Master Servicer to fulfill its
duties as set forth in this Agreement.  The Trustee covenants and agrees that it
shall perform its obligations hereunder in a manner so as to maintain the status
of any portion of any REMIC formed under the Series  Supplement as a REMIC under
the REMIC Provisions and (subject to Section 10.01(f)) to prevent the imposition
of any federal, state or local income,  prohibited transaction,  contribution or
other tax on the Trust  Fund to the  extent  that  maintaining  such  status and
avoiding  such taxes are  reasonably  within the  control of the Trustee and are
reasonably within the scope of its duties under this Agreement.

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

                      (i) Prior to the  occurrence  of an Event of Default,  and
               after the curing or waiver of all such  Events of  Default  which
               may have  occurred,  the duties and  obligations  of the  Trustee
               shall be  determined  solely by the  express  provisions  of this
               Agreement,  the  Trustee  shall  not be  liable  except  for  the
               performance of such duties and  obligations  as are  specifically
               set forth in this Agreement,  no implied covenants or obligations
               shall be read into this Agreement against the Trustee and, in the
               absence of bad faith on the part of the Trustee,  the Trustee may
               conclusively  rely,  as to the  truth of the  statements  and the
               correctness  of  the  opinions   expressed   therein,   upon  any
               certificates or opinions  furnished to the Trustee by the Company
               or the

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               Master  Servicer and which on their face, do not  contradict  the
               requirements of this Agreement;

                      (ii) The  Trustee  shall not be  personally  liable for an
               error of judgment made in good faith by a Responsible  Officer or
               Responsible  Officers of the  Trustee,  unless it shall be proved
               that the Trustee was  negligent  in  ascertaining  the  pertinent
               facts;

                      (iii) The  Trustee  shall not be  personally  liable  with
               respect to any action  taken,  suffered or omitted to be taken by
               it  in  good  faith  in   accordance   with  the   direction   of
               Certificateholders   of  any  Class  holding  Certificates  which
               evidence, as to such Class,  Percentage Interests aggregating not
               less than 25% as to the time,  method and place of conducting any
               proceeding for any remedy available to the Trustee, or exercising
               any  trust  or  power  conferred  upon the  Trustee,  under  this
               Agreement;

                      (iv) The Trustee  shall not be charged  with  knowledge of
               any  default  (other  than a default in  payment to the  Trustee)
               specified  in clauses (i) and (ii) of Section 7.01 or an Event of
               Default under clauses (iii),  (iv) and (v) of Section 7.01 unless
               a Responsible  Officer of the Trustee  assigned to and working in
               the  Corporate  Trust  Office  obtains  actual  knowledge of such
               failure or event or the Trustee  receives  written notice of such
               failure or event at its  Corporate  Trust  Office from the Master
               Servicer, the Company or any Certificateholder; and

                      (v) Except to the extent  provided  in  Section  7.02,  no
               provision in this  Agreement  shall require the Trustee to expend
               or risk its own funds (including,  without limitation, the making
               of  any  Advance)  or  otherwise  incur  any  personal  financial
               liability  in the  performance  of any of its  duties as  Trustee
               hereunder,  or in the exercise of any of its rights or powers, if
               the Trustee  shall have  reasonable  grounds for  believing  that
               repayment  of funds or adequate  indemnity  against  such risk or
               liability is not reasonably assured to it.

        (d) The Trustee shall timely pay, from its own funds,  the amount of any
and all federal,  state and local taxes  imposed on the Trust Fund or its assets
or transactions  including,  without  limitation,  (A) "prohibited  transaction"
penalty  taxes as defined in Section 860F of the Code,  if, when and as the same
shall be due and  payable,  (B) any tax on  contributions  to a REMIC  after the
Closing  Date  imposed  by  Section  860G(d) of the Code and (C) any tax on "net
income from foreclosure property" as defined in Section 860G(c) of the Code, but
only if such  taxes  arise out of a breach  by the  Trustee  of its  obligations
hereunder,  which breach  constitutes  negligence  or willful  misconduct of the
Trustee.

        Section 8.02  Certain Matters Affecting the Trustee.

        (a)    Except as otherwise provided in Section 8.01:

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

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

                      (iii) The Trustee shall be under no obligation to exercise
               any of the trusts or powers vested in it by this  Agreement or to
               institute,  conduct  or defend  any  litigation  hereunder  or in
               relation hereto at the request,  order or direction of any of the
               Certificateholders, pursuant to the provisions of this Agreement,
               unless such Certificateholders  shall have offered to the Trustee
               reasonable security or indemnity against the costs,  expenses and
               liabilities  which may be incurred  therein or  thereby;  nothing
               contained  herein  shall,  however,  relieve  the  Trustee of the
               obligation, upon the occurrence of an Event of Default (which has
               not been cured or  waived),  to  exercise  such of the rights and
               powers vested in it by this Agreement, and to use the same degree
               of care and skill in their  exercise as a prudent  investor would
               exercise  or use under the  circumstances  in the conduct of such
               investor's own affairs;

                      (iv) The Trustee  shall not be  personally  liable for any
               action  taken,  suffered  or  omitted  by it in  good  faith  and
               believed  by it to be  authorized  or within  the  discretion  or
               rights or powers conferred upon it by this Agreement;

                      (v)  Prior  to  the  occurrence  of an  Event  of  Default
               hereunder and after the curing or waiver of all Events of Default
               which may have  occurred,  the Trustee shall not be bound to make
               any  investigation  into  the  facts  or  matters  stated  in any
               resolution,  certificate, statement, instrument, opinion, report,
               notice, request, consent, order, approval, bond or other paper or
               document,  unless  requested  in  writing  so to do by Holders of
               Certificates  of  any  Class   evidencing,   as  to  such  Class,
               Percentage  Interests,  aggregating not less than 50%;  provided,
               however,  that if the  payment  within a  reasonable  time to the
               Trustee  of the  costs,  expenses  or  liabilities  likely  to be
               incurred  by it in the  making of such  investigation  is, in the
               opinion of the Trustee,  not reasonably assured to the Trustee by
               the security  afforded to it by the terms of this Agreement,  the
               Trustee may require reasonable  indemnity against such expense or
               liability as a condition to so proceeding. The reasonable expense
               of every such  examination  shall be paid by the Master Servicer,
               if an Event of Default shall have occurred and is continuing, and
               otherwise by the Certificateholder requesting the investigation;

                      (vi) The  Trustee  may execute any of the trusts or powers
               hereunder or perform any duties  hereunder  either directly or by
               or through agents or attorneys; and

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<PAGE>

                      (vii)  To the  extent  authorized  under  the Code and the
               regulations  promulgated  thereunder,  each  Holder  of a Class R
               Certificate  hereby  irrevocably   appoints  and  authorizes  the
               Trustee to be its  attorney-in-fact  for  purposes of signing any
               Tax Returns required to be filed on behalf of the Trust Fund. The
               Trustee shall sign on behalf of the Trust Fund and deliver to the
               Master Servicer in a timely manner any Tax Returns prepared by or
               on behalf of the Master  Servicer that the Trustee is required to
               sign as determined by the Master Servicer  pursuant to applicable
               federal,  state or  local  tax  laws,  provided  that the  Master
               Servicer  shall  indemnify  the  Trustee for signing any such Tax
               Returns that contain errors or omissions.

        (b)  Following the issuance of the  Certificates,  the Trustee shall not
accept any  contribution  of assets to the Trust Fund unless (subject to Section
10.01(f)) it shall have obtained or been furnished with an Opinion of Counsel to
the effect  that such  contribution  will not (i) cause any portion of any REMIC
formed  under the  Series  Supplement  to fail to qualify as a REMIC at any time
that any Certificates are outstanding or (ii) cause the Trust Fund to be subject
to any federal tax as a result of such contribution (including the imposition of
any federal tax on "prohibited  transactions"  imposed under Section  860F(a) of
the Code).

        Section 8.03  Trustee Not Liable for Certificates or Mortgage Loans.

        The recitals  contained herein and in the  Certificates  (other than the
execution of the  Certificates and relating to the acceptance and receipt of the
Mortgage  Loans) shall be taken as the  statements  of the Company or the Master
Servicer as the case may be, and the Trustee assumes no responsibility for their
correctness.  The  Trustee  makes  no  representations  as to  the  validity  or
sufficiency  of  this  Agreement  or  of  the  Certificates   (except  that  the
Certificates  shall be duly and  validly  executed  and  authenticated  by it as
Certificate  Registrar) or of any Mortgage Loan or related document,  or of MERS
or the MERS(R) System.  Except as otherwise  provided herein,  the Trustee shall
not be  accountable  for the use or  application  by the  Company  or the Master
Servicer of any of the Certificates or of the proceeds of such Certificates,  or
for the use or  application  of any  funds  paid to the  Company  or the  Master
Servicer in respect of the Mortgage  Loans or deposited in or withdrawn from the
Custodial  Account  or the  Certificate  Account  by the  Company  or the Master
Servicer.

        Section 8.04  Trustee May Own Certificates.

        The Trustee in its individual or any other capacity may become the owner
or pledgee  of  Certificates  with the same  rights it would have if it were not
Trustee.

          Section 8.05  Master  Servicer  to Pay  Trustee's  Fees and  Expenses;
               Indemnification.

        (a) The Master  Servicer  covenants and agrees to pay to the Trustee and
any co-trustee  from time to time,  and the Trustee and any co-trustee  shall be
entitled  to,  reasonable  compensation  (which  shall  not  be  limited  by any
provision of law in regard to the compensation of a trustee of an express trust)
for all services  rendered by each of them in the execution of the trusts hereby
created  and in the  exercise  and  performance  of any of the powers and duties
hereunder of the Trustee and

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<PAGE>

any  co-trustee,  and the Master  Servicer will pay or reimburse the Trustee and
any  co-trustee  upon request for all  reasonable  expenses,  disbursements  and
advances  incurred or made by the Trustee or any  co-trustee in accordance  with
any of the provisions of this Agreement  (including the reasonable  compensation
and the  expenses  and  disbursements  of its  counsel  and of all  persons  not
regularly  in its  employ,  and the  expenses  incurred  by the  Trustee  or any
co-trustee in connection with the appointment of an office or agency pursuant to
Section 8.12) except any such expense, disbursement or advance as may arise from
its negligence or bad faith.

        (b) The Master Servicer agrees to indemnify the Trustee for, and to hold
the Trustee harmless  against,  any loss,  liability or expense incurred without
negligence or willful  misconduct on the Trustee's  part,  arising out of, or in
connection with, the acceptance and administration of the Trust Fund,  including
the costs  and  expenses  (including  reasonable  legal  fees and  expenses)  of
defending   itself  against  any  claim  in  connection  with  the  exercise  or
performance  of any of its  powers  or  duties  under  this  Agreement  and  the
Custodial Agreement, provided that:

                      (i) with respect to any such claim, the Trustee shall have
               given the Master Servicer  written notice thereof  promptly after
               the Trustee shall have actual knowledge thereof;

                      (ii) while maintaining  control over its own defense,  the
               Trustee  shall  cooperate  and  consult  fully  with  the  Master
               Servicer in preparing such defense; and

                      (iii)  notwithstanding  anything in this  Agreement to the
               contrary,  the Master Servicer shall not be liable for settlement
               of any  claim by the  Trustee  entered  into  without  the  prior
               consent  of  the  Master  Servicer  which  consent  shall  not be
               unreasonably withheld.

        No termination of this Agreement shall affect the obligations created by
this Section  8.05(b) of the Master  Servicer to indemnify the Trustee under the
conditions and to the extent set forth herein.

        Notwithstanding  the  foregoing,  the  indemnification  provided  by the
Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability
or expense of the Trustee,  including the costs and expenses of defending itself
against any claim,  incurred in connection with any actions taken by the Trustee
at the  direction  of the  Certificateholders  pursuant  to the  terms  of  this
Agreement.

        Section 8.06  Eligibility Requirements for Trustee.

        The Trustee  hereunder shall at all times be a corporation or a national
banking  association  having its principal office in a state and city acceptable
to the Company and organized and doing  business under the laws of such state or
the United States of America,  authorized under such laws to exercise  corporate
trust powers,  having a combined capital and surplus of at least $50,000,000 and
subject to supervision or  examination  by federal or state  authority.  If such
corporation or national banking  association  publishes  reports of condition at
least  annually,  pursuant  to  law  or to the  requirements  of  the  aforesaid
supervising  or examining  authority,  then for the purposes of this Section the
combined  capital  and  surplus  of such  corporation  shall be deemed to be its
combined

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capital  and  surplus as set forth in its most  recent  report of  condition  so
published.  In case at any time  the  Trustee  shall  cease  to be  eligible  in
accordance  with the  provisions  of this  Section,  the  Trustee  shall  resign
immediately in the manner and with the effect specified in Section 8.07.

        Section 8.07 Resignation and Removal of the Trustee.

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

        (b) If at any time the Trustee  shall cease to be eligible in accordance
with the  provisions  of  Section  8.06 and shall fail to resign  after  written
request  therefor by the  Company,  or if at any time the Trustee  shall  become
incapable of acting, or shall be adjudged  bankrupt or insolvent,  or a receiver
of the Trustee or of its  property  shall be  appointed,  or any public  officer
shall take  charge or control of the  Trustee or of its  property or affairs for
the purpose of rehabilitation, conservation or liquidation, then the Company may
remove the Trustee and appoint a  successor  trustee by written  instrument,  in
duplicate,  one copy of which  instrument  shall be  delivered to the Trustee so
removed and one copy to the successor  trustee.  In addition,  in the event that
the Company determines that the Trustee has failed (i) to distribute or cause to
be distributed to the  Certificateholders  any amount required to be distributed
hereunder, if such amount is held by the Trustee or its Paying Agent (other than
the Master  Servicer  or the  Company)  for  distribution  or (ii) to  otherwise
observe or perform in any material  respect any of its covenants,  agreements or
obligations  hereunder,  and such failure shall continue unremedied for a period
of 5 days (in respect of clause (i) above) or 30 days (in respect of clause (ii)
above) after the date on which written  notice of such failure,  requiring  that
the same be remedied,  shall have been given to the Trustee by the Company, then
the Company  may remove the  Trustee and appoint a successor  trustee by written
instrument  delivered as provided in the preceding sentence.  In connection with
the appointment of a successor trustee pursuant to the preceding  sentence,  the
Company  shall,  on or  before  the date on which any such  appointment  becomes
effective,  obtain  from  each  Rating  Agency  written  confirmation  that  the
appointment  of any such  successor  trustee will not result in the reduction of
the  ratings  on any  class of the  Certificates  below  the  lesser of the then
current or original ratings on such Certificates.

        (c) The Holders of  Certificates  entitled to at least 51% of the Voting
Rights may at any time remove the  Trustee  and  appoint a successor  trustee by
written  instrument or  instruments,  in  triplicate,  signed by such Holders or
their  attorneys-in-fact duly authorized,  one complete set of which instruments
shall be delivered  to the  Company,  one complete set to the Trustee so removed
and one complete set to the successor so appointed.

        (d) Any  resignation  or removal of the  Trustee  and  appointment  of a
successor trustee pursuant to any of the provisions of this Section shall become
effective upon acceptance of appointment by the successor trustee as provided in
Section 8.08.

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        Section 8.08  Successor Trustee.

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

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

        (c) Upon acceptance of appointment by a successor trustee as provided in
this Section,  the Company  shall mail notice of the  succession of such trustee
hereunder  to all Holders of  Certificates  at their  addresses  as shown in the
Certificate  Register.  If the Company  fails to mail such notice within 10 days
after acceptance of appointment by the successor trustee,  the successor trustee
shall cause such notice to be mailed at the expense of the Company.

        Section 8.09  Merger or Consolidation of Trustee.

        Any corporation or national  banking  association into which the Trustee
may be  merged  or  converted  or  with  which  it may  be  consolidated  or any
corporation  or  national  banking   association   resulting  from  any  merger,
conversion  or  consolidation  to which  the  Trustee  shall be a party,  or any
corporation or national  banking  association  succeeding to the business of the
Trustee,  shall  be  the  successor  of the  Trustee  hereunder,  provided  such
corporation  or  national  banking  association  shall  be  eligible  under  the
provisions of Section 8.06,  without the execution or filing of any paper or any
further act on the part of any of the  parties  hereto,  anything  herein to the
contrary  notwithstanding.  The Trustee  shall mail notice of any such merger or
consolidation  to the  Certificateholders  at  their  address  as  shown  in the
Certificate Register.

        Section 8.10 Appointment of Co-Trustee or Separate Trustee.

        (a)  Notwithstanding  any other provisions  hereof, at any time, for the
purpose of meeting any legal  requirements of any jurisdiction in which any part
of the Trust Fund or property securing the same may at the time be located,  the
Master  Servicer and the Trustee  acting  jointly shall have the power and shall
execute and deliver all  instruments to appoint one or more Persons  approved by
the Trustee to act as co-trustee or  co-trustees,  jointly with the Trustee,  or
separate trustee or separate trustees, of all or any part of the Trust Fund, and
to vest in such Person or  Persons,  in such  capacity,  such title to the Trust
Fund, or any part thereof, and, subject to the other provisions of this Section

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8.10, such powers, duties, obligations, rights and trusts as the Master Servicer
and the Trustee may consider  necessary  or  desirable.  If the Master  Servicer
shall not have joined in such appointment within 15 days after the receipt by it
of a request so to do, or in case an Event of Default shall have occurred and be
continuing, the Trustee alone shall have the power to make such appointment.  No
co-trustee or separate trustee  hereunder shall be required to meet the terms of
eligibility as a successor trustee under Section 8.06 hereunder and no notice to
Holders  of  Certificates  of  the  appointment  of  co-trustee(s)  or  separate
trustee(s) shall be required under Section 8.08 hereof.

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

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

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

        Section 8.11  Appointment of Custodians.

        The  Trustee  may,  with the  consent  of the  Master  Servicer  and the
Company,  appoint one or more  Custodians who are not Affiliates of the Company,
the Master Servicer or any Seller to hold all or a portion of the Mortgage Files
as agent for the Trustee,  by entering  into a Custodial  Agreement.  Subject to
Article  VIII,  the Trustee  agrees to comply  with the terms of each  Custodial
Agreement and to enforce the terms and provisions  thereof against the Custodian
for the benefit of the Certificateholders.  Each Custodian shall be a depository
institution  subject to supervision by federal or state authority,  shall have a
combined  capital and surplus of at least  $15,000,000 and shall be qualified to
do  business  in the  jurisdiction  in which it holds any  Mortgage  File.  Each
Custodial  Agreement  may be amended  only as  provided  in Section  11.01.  The
Trustee shall notify the

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Certificateholders of the appointment of any Custodian (other than the Custodian
appointed as of the Closing Date) pursuant to this Section 8.11.

        Section 8.12  Appointment of Office or Agency.

        The Trustee will maintain an office or agency in the City of New York at
the  address  designated  in  Section  11.05  of  the  Series  Supplement  where
Certificates  may be surrendered for  registration of transfer or exchange.  The
Trustee will  maintain an office at the address  stated in Section  11.05 of the
Series Supplement where notices and demands to or upon the Trustee in respect of
this Agreement may be served.

                                          ARTICLE IX

                     TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES

        Section       9.01  Optional  Purchase  by the  Master  Servicer  of All
                      Certificates;  Termination  Upon  Purchase  by the  Master
                      Servicer or Liquidation of All Mortgage Loans.

        (a)  Subject  to  Section   9.02,   the   respective   obligations   and
responsibilities  of the Company,  the Master  Servicer and the Trustee  created
hereby in respect of the Certificates  (other than the obligation of the Trustee
to make certain payments after the Final Distribution Date to Certificateholders
and the  obligation of the Company to send certain  notices as  hereinafter  set
forth) shall  terminate upon the last action required to be taken by the Trustee
on the Final Distribution Date pursuant to this Article IX following the earlier
of:

                      (i) the later of the final  payment  or other  liquidation
               (or any Advance with respect  thereto) of the last  Mortgage Loan
               remaining  in the Trust Fund or the  disposition  of all property
               acquired upon  foreclosure  or deed in lieu of foreclosure of any
               Mortgage Loan, or

                      (ii) the  purchase by the Master  Servicer of all Mortgage
               Loans and all property  acquired in respect of any Mortgage  Loan
               remaining  in the  Trust  Fund  at a price  equal  to 100% of the
               unpaid  principal  balance of each Mortgage Loan or, if less than
               such  unpaid  principal  balance,  the fair  market  value of the
               related underlying property of such Mortgage Loan with respect to
               Mortgage  Loans as to which title has been  acquired if such fair
               market value is less than such unpaid  principal  balance (net of
               any unreimbursed  Advances  attributable to principal) on the day
               of repurchase plus accrued  interest  thereon at the Net Mortgage
               Rate (or Modified  Net Mortgage  Rate in the case of any Modified
               Mortgage Loan) to, but not including,  the first day of the month
               in which such repurchase price is distributed, provided, however,
               that in no event shall the trust created hereby  continue  beyond
               the expiration of 21 years from the death of the last survivor of
               the descendants of Joseph P. Kennedy,  the late ambassador of the
               United  States  to the  Court of St.  James,  living  on the date
               hereof and provided  further  that the  purchase  price set forth
               above shall be increased as is  necessary,  as  determined by the
               Master Servicer, to avoid  disqualification of any portion of any
               REMIC formed under the Series Supplement as a REMIC.

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        The right of the Master Servicer to purchase all the assets of the Trust
Fund pursuant to clause (ii) above is conditioned upon the Pool Stated Principal
Balance  as  of  the  Final   Distribution  Date,  prior  to  giving  effect  to
distributions to be made on such Distribution  Date, being less than ten percent
of the Cut-off Date Principal  Balance of the Mortgage  Loans.  If such right is
exercised by the Master  Servicer,  the Master  Servicer shall be deemed to have
been  reimbursed for the full amount of any  unreimbursed  Advances  theretofore
made by it with respect to the Mortgage Loans. In addition,  the Master Servicer
shall provide to the Trustee the certification  required by Section 3.15 and the
Trustee and any  Custodian  shall,  promptly  following  payment of the purchase
price,  release to the Master  Servicer the  Mortgage  Files  pertaining  to the
Mortgage Loans being purchased.

        In addition to the foregoing, on any Distribution Date on which the Pool
Stated Principal Balance,  prior to giving effect to distributions to be made on
such  Distribution  Date, is less than ten percent of the Cut-off Date Principal
Balance of the Mortgage  Loans,  Master  Servicer  shall have the right,  at its
option, to purchase the Certificates in whole, but not in part, at a price equal
to the outstanding  Certificate  Principal Balance of such Certificates plus the
sum of Accrued  Certificate  Interest  thereon for the related  Interest Accrual
Period and any previously  unpaid Accrued  Certificate  Interest.  If the Master
Servicer  exercises  this right to purchase the  outstanding  Certificates,  the
Master  Servicer  will  promptly   terminate  the  respective   obligations  and
responsibilities  created hereby in respect of the Certificates pursuant to this
Article IX.

        (b) The Master  Servicer  shall give the  Trustee not less than 60 days'
prior notice of the Distribution  Date on which the Master Servicer  anticipates
that the final  distribution  will be made to  Certificateholders  (whether as a
result of the  exercise  by the Master  Servicer  of its right to  purchase  the
assets  of the  Trust  Fund  or  otherwise)  or on  which  the  Master  Servicer
anticipates that the Certificates will be purchased (as a result of the exercise
by the Master Servicer to purchase the outstanding Certificates).  Notice of any
termination,  specifying the anticipated Final Distribution Date (which shall be
a  date  that  would   otherwise  be  a   Distribution   Date)  upon  which  the
Certificateholders  may  surrender  their  Certificates  to the  Trustee  (if so
required  by the  terms  hereof)  for  payment  of the  final  distribution  and
cancellation  or  notice  of  any  purchase  of  the  outstanding  Certificates,
specifying  the  Distribution  Date upon which the Holders may  surrender  their
Certificates  to the Trustee for payment,  shall be given promptly by the Master
Servicer (if it is exercising its right to purchase the assets of the Trust Fund
or to purchase the  outstanding  Certificates),  or by the Trustee (in any other
case) by letter to the  Certificateholders  mailed not earlier than the 15th day
and not later  than the 25th day of the month next  preceding  the month of such
final distribution specifying:

                      (i) the  anticipated  Final  Distribution  Date upon which
               final payment of the  Certificates is anticipated to be made upon
               presentation  and  surrender  of  Certificates  at the  office or
               agency of the Trustee  therein  designated or, in the case of the
               purchase by the Master Servicer of the outstanding  Certificates,
               the Distribution Date on which such purchase is to be made,

                      (ii) the amount of any such final payment,  or in the case
               of the  purchase of the  outstanding  Certificates,  the purchase
               price, in either case, if known, and

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                      (iii) that the Record Date  otherwise  applicable  to such
               Distribution  Date  is not  applicable,  and in the  case  of the
               Senior  Certificates and Class M Certificates,  that payment will
               be made only upon  presentation and surrender of the Certificates
               at the office or agency of the Trustee therein specified.

        If the Master Servicer is obligated to give notice to Certificateholders
as aforesaid, it shall give such notice to the Certificate Registrar at the time
such  notice is given to  Certificateholders  and,  if the  Master  Servicer  is
exercising its rights to purchase the  outstanding  Certificates,  it shall give
such  notice  to each  Rating  Agency  at the  time  such  notice  is  given  to
Certificateholders.  As a result of the  exercise by the Master  Servicer of its
right to  purchase  the  assets of the Trust  Fund,  the Master  Servicer  shall
deposit  in the  Certificate  Account  before  the  Final  Distribution  Date in
immediately available funds an amount equal to the purchase price for the assets
of the Trust Fund,  computed as provided  above.  As a result of the exercise by
the Master Servicer of its right to purchase the outstanding  Certificates,  the
Master Servicer shall deposit in an Eligible Account,  established by the Master
Servicer on behalf of the Trustee and separate from the  Certificate  Account in
the name of the Trustee in trust for the registered holders of the Certificates,
before the  Distribution  Date on which such purchase is to occur in immediately
available  funds an amount  equal to the  purchase  price for the  Certificates,
computed as above  provided,  and provide notice of such deposit to the Trustee.
The Trustee will withdraw  from such account the amount  specified in subsection
(c) below.

        (c) In the case of the  Senior,  Class M or Class B  Certificates,  upon
presentation  and  surrender  of  the  Certificates  by  the  Certificateholders
thereof, the Trustee shall distribute to the  Certificateholders  (i) the amount
otherwise distributable on such Distribution Date, if not in connection with the
Master  Servicer's  election to  repurchase  the assets of the Trust Fund or the
outstanding  Certificates,  or  (ii)  if  the  Master  Servicer  elected  to  so
repurchase  the assets of the Trust  Fund or the  outstanding  Certificates,  an
amount  determined  as  follows:  (A)  with  respect  to  each  Certificate  the
outstanding  Certificate  Principal  Balance thereof,  plus Accrued  Certificate
Interest for the related  Interest  Accrual  Period  thereon and any  previously
unpaid  Accrued  Certificate  Interest,  subject  to the  priority  set forth in
Section 4.02(a), and (B) with respect to the Class R Certificates, any excess of
the amounts available for distribution (including the repurchase price specified
in  clause  (ii) of  subsection  (a) of this  Section)  over  the  total  amount
distributed under the immediately preceding clause (A).

        (d) If any Certificateholders shall not surrender their Certificates for
final payment and cancellation on or before the Final  Distribution  Date (if so
required by the terms hereof), the Trustee shall on such date cause all funds in
the   Certificate   Account   not   distributed   in   final   distribution   to
Certificateholders  to be  withdrawn  therefrom  and  credited to the  remaining
Certificateholders by depositing such funds in a separate escrow account for the
benefit of such Certificateholders, and the Master Servicer (if it exercised its
right to purchase  the assets of the Trust  Fund),  or the Trustee (in any other
case) shall give a second written notice to the remaining  Certificateholders to
surrender their Certificates for cancellation and receive the final distribution
with  respect  thereto.  If within  six  months  after  the  second  notice  any
Certificate shall not have been surrendered for cancellation,  the Trustee shall
take  appropriate  steps as  directed  by the Master  Servicer  to  contact  the
remaining  Certificateholders  concerning  surrender of their Certificates.  The
costs  and  expenses  of  maintaining  the  escrow  account  and  of  contacting
Certificateholders  shall be paid out of the assets  which  remain in the escrow
account.  If within nine months after the second notice any  Certificates  shall
not have

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been surrendered for cancellation,  the Trustee shall pay to the Master Servicer
all amounts  distributable  to the holders thereof and the Master Servicer shall
thereafter  hold such amounts until  distributed  to such  Holders.  No interest
shall  accrue or be payable to any  Certificateholder  on any amount held in the
escrow account or by the Master Servicer as a result of such Certificateholder's
failure to surrender its  Certificate(s) for final payment thereof in accordance
with this Section 9.01.

        (e) If any  Certificateholders do not surrender their Certificates on or
before the Distribution Date on which a purchase of the outstanding Certificates
is to be made, the Trustee shall on such date cause all funds in the Certificate
Account  deposited therein by the Master Servicer pursuant to Section 9.01(b) to
be  withdrawn  therefrom  and  deposited  in a separate  escrow  account for the
benefit of such Certificateholders,  and the Master Servicer shall give a second
written notice to such  Certificateholders  to surrender their  Certificates for
payment of the purchase  price  therefor.  If within six months after the second
notice any Certificate  shall not have been  surrendered for  cancellation,  the
Trustee  shall take  appropriate  steps as  directed  by the Master  Servicer to
contact  the  Holders  of  such  Certificates   concerning  surrender  of  their
Certificates.  The costs and expenses of  maintaining  the escrow account and of
contacting  Certificateholders  shall be paid out of the assets  which remain in
the  escrow  account.  If  within  nine  months  after  the  second  notice  any
Certificates shall not have been surrendered for cancellation in accordance with
this  Section  9.01,  the Trustee  shall pay to the Master  Servicer all amounts
distributable  to the Holders thereof and the Master  Servicer shall  thereafter
hold such amounts until distributed to such Holders. No interest shall accrue or
be payable to any  Certificateholder on any amount held in the escrow account or
by the  Master  Servicer  as a result  of such  Certificateholder's  failure  to
surrender its  Certificate(s)  for payment in accordance with this Section 9.01.
Any  Certificate  that is not  surrendered on the  Distribution  Date on which a
purchase  pursuant to this Section 9.01 occurs as provided  above will be deemed
to have been  purchased  and the Holder as of such date will have no rights with
respect  thereto  except to receive the purchase  price therefor minus any costs
and expenses  associated with such escrow account and notices allocated thereto.
Any  Certificates  so  purchased  or  deemed  to  have  been  purchased  on such
Distribution Date shall remain outstanding hereunder.  The Master Servicer shall
be for all purposes the Holder thereof as of such date.

        Section 9.02  Additional Termination Requirements.

        (a) Each REMIC that  comprises  the Trust  Fund shall be  terminated  in
accordance  with the  following  additional  requirements,  unless  (subject  to
Section  10.01(f)) the Trustee and the Master  Servicer have received an Opinion
of Counsel  (which Opinion of Counsel shall not be an expense of the Trustee) to
the effect that the  failure of each such REMIC to comply with the  requirements
of this Section 9.02 will not (i) result in the imposition on the Trust of taxes
on "prohibited  transactions," as described in Section 860F of the Code, or (ii)
cause  any  such  REMIC  to fail to  qualify  as a REMIC  at any  time  that any
Certificate is outstanding:

                      (i)  The  Master   Servicer   shall   establish  a  90-day
               liquidation  period for each such REMIC and specify the first day
               of such period in a statement  attached to the Trust Fund's final
               Tax Return pursuant to Treasury regulations Section 1.860F-1. The
               Master  Servicer also shall satisfy all of the  requirements of a
               qualified  liquidation for a REMIC under Section 860F of the Code
               and regulations thereunder;

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                      (ii) The Master  Servicer  shall notify the Trustee at the
               commencement of such 90-day  liquidation  period and, at or prior
               to the time of making of the final  payment on the  Certificates,
               the  Trustee  shall  sell  or  otherwise  dispose  of  all of the
               remaining  assets of the Trust Fund in accordance  with the terms
               hereof; and

                      (iii) If the Master  Servicer or the Company is exercising
               its right to purchase  the assets of the Trust  Fund,  the Master
               Servicer shall,  during the 90-day  liquidation  period and at or
               prior to the Final Distribution Date,  purchase all of the assets
               of the Trust Fund for cash.

        (b) Each  Holder of a  Certificate  and the Trustee  hereby  irrevocably
approves  and appoints the Master  Servicer as its  attorney-in-fact  to adopt a
plan of complete  liquidation for each REMIC at the expense of the Trust Fund in
accordance with the terms and conditions of this Agreement.

        Section 9.03 Termination of Multiple REMICs.

        If the REMIC  Administrator  makes two or more separate REMIC elections,
the  applicable   REMIC  shall  be  terminated  on  the  earlier  of  the  Final
Distribution  Date and the date on which it is deemed to receive the last deemed
distributions on the related Uncertificated REMIC Regular Interests and the last
distribution due on the Certificates is made.

                                    ARTICLE X

                                REMIC PROVISIONS

        Section 10.01 REMIC Administration.

        (a) The REMIC  Administrator  shall make an  election to treat the Trust
Fund as one or more REMICs under the Code and, if  necessary,  under  applicable
state  law.  The  assets of each  such  REMIC  will be set  forth in the  Series
Supplement. Such election will be made on Form 1066 or other appropriate federal
tax or information  return (including Form 8811) or any appropriate state return
for the taxable  year ending on the last day of the  calendar  year in which the
Certificates  are issued.  For the purposes of each REMIC election in respect of
the Trust Fund,  Certificates  and  interests to be  designated  as the "regular
interests"  and the sole class of "residual  interests" in the REMIC will be set
forth in Section 10.03 of the Series Supplement. The REMIC Administrator and the
Trustee shall not permit the creation of any "interests"  (within the meaning of
Section  860G of the Code) in any REMIC  elected  in  respect  of the Trust Fund
other than the "regular interests" and "residual interests" so designated.

        (b) The Closing Date is hereby  designated  as the "startup  day" of the
Trust Fund within the meaning of Section 860G(a)(9) of the Code.

        (c)  The  REMIC   Administrator   shall  hold  a  Class  R   Certificate
representing a 0.01% Percentage  Interest each Class of the Class R Certificates
and shall be designated  as "the tax matters  person" with respect to each REMIC
in the manner  provided  under  Treasury  regulations  section  1.860F-4(d)  and
Treasury regulations section 301.6231(a)(7)-1. The REMIC Administrator, as tax

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matters  person,  shall (i) act on behalf of each REMIC in  relation  to any tax
matter or controversy involving the Trust Fund and (ii) represent the Trust Fund
in any administrative or judicial proceeding relating to an examination or audit
by any governmental  taxing authority with respect thereto.  The legal expenses,
including without  limitation  attorneys' or accountants' fees, and costs of any
such proceeding and any liability  resulting  therefrom shall be expenses of the
Trust  Fund and the  REMIC  Administrator  shall be  entitled  to  reimbursement
therefor out of amounts  attributable  to the  Mortgage  Loans on deposit in the
Custodial  Account as provided by Section  3.10 unless such legal  expenses  and
costs are incurred by reason of the REMIC  Administrator's  willful misfeasance,
bad faith or gross  negligence.  If the  REMIC  Administrator  is no longer  the
Master Servicer  hereunder,  at its option the REMIC  Administrator may continue
its duties as REMIC Administrator and shall be paid reasonable  compensation not
to exceed  $3,000 per year by any  successor  Master  Servicer  hereunder for so
acting as the REMIC Administrator.

        (d) The REMIC Administrator shall prepare or cause to be prepared all of
the Tax Returns  that it  determines  are  required  with  respect to each REMIC
created hereunder and deliver such Tax Returns in a timely manner to the Trustee
and the  Trustee  shall sign and file such Tax Returns in a timely  manner.  The
expenses of  preparing  such returns  shall be borne by the REMIC  Administrator
without any right of reimbursement  therefor.  The REMIC Administrator agrees to
indemnify  and hold  harmless  the Trustee  with respect to any tax or liability
arising  from the  Trustee's  signing  of Tax  Returns  that  contain  errors or
omissions.  The Trustee and Master  Servicer  shall  promptly  provide the REMIC
Administrator with such information as the REMIC  Administrator may from time to
time request for the purpose of enabling the REMIC  Administrator to prepare Tax
Returns.

        (e) The REMIC  Administrator  shall  provide (i) to any  Transferor of a
Class R Certificate  such information as is necessary for the application of any
tax relating to the transfer of a Class R Certificate to any Person who is not a
Permitted Transferee,  (ii) to the Trustee, and the Trustee shall forward to the
Certificateholders,  such  information or reports as are required by the Code or
the REMIC  Provisions  including  reports  relating to interest,  original issue
discount and market  discount or premium (using the Prepayment  Assumption)  and
(iii) to the Internal  Revenue  Service the name,  title,  address and telephone
number of the person who will serve as the representative of each REMIC.

        (f) The  Master  Servicer  and the REMIC  Administrator  shall take such
actions and shall cause each REMIC created hereunder to take such actions as are
reasonably within the Master Servicer's or the REMIC Administrator's control and
the scope of its duties more specifically set forth herein as shall be necessary
or  desirable  to  maintain  the status of each REMIC as a REMIC under the REMIC
Provisions  (and the  Trustee  shall  assist the Master  Servicer  and the REMIC
Administrator, to the extent reasonably requested by the Master Servicer and the
REMIC  Administrator to do so). The Master Servicer and the REMIC  Administrator
shall not knowingly or  intentionally  take any action,  cause the Trust Fund to
take any  action  or fail to take (or fail to  cause  to be  taken)  any  action
reasonably within their respective control that, under the REMIC Provisions,  if
taken or not taken,  as the case may be,  could (i)  endanger  the status of any
portion  of any REMIC  formed  under the  Series  Supplement  as a REMIC or (ii)
result in the imposition of a tax upon any such REMIC (including but not limited
to the tax on prohibited  transactions  as defined in Section  860F(a)(2) of the
Code and the tax on contributions to a REMIC set forth in Section 860G(d)

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of the Code) (either such event,  in the absence of an Opinion of Counsel or the
indemnification  referred to in this sentence,  an "Adverse REMIC Event") unless
the Master Servicer or the REMIC Administrator,  as applicable,  has received an
Opinion of Counsel (at the expense of the party  seeking to take such action or,
if such party fails to pay such  expense,  and the Master  Servicer or the REMIC
Administrator, as applicable,  determines that taking such action is in the best
interest  of the Trust Fund and the  Certificateholders,  at the  expense of the
Trust  Fund,  but in no event at the expense of the Master  Servicer,  the REMIC
Administrator  or the Trustee) to the effect that the  contemplated  action will
not,  with respect to each REMIC  created  hereunder,  endanger  such status or,
unless the Master  Servicer,  the REMIC  Administrator  or both, as  applicable,
determine in its or their sole  discretion  to indemnify  the Trust Fund against
the imposition of such a tax,  result in the imposition of such a tax.  Wherever
in this Agreement a  contemplated  action may not be taken because the timing of
such action might result in the  imposition  of a tax on the Trust Fund,  or may
only be taken  pursuant  to an  Opinion of Counsel  that such  action  would not
impose a tax on the Trust Fund,  such action may  nonetheless  be taken provided
that the  indemnity  given in the  preceding  sentence with respect to any taxes
that  might be  imposed  on the  Trust  Fund has been  given  and that all other
preconditions  to the taking of such  action  have been  satisfied.  The Trustee
shall not take or fail to take any action (whether or not authorized  hereunder)
as to which the Master Servicer or the REMIC Administrator,  as applicable,  has
advised it in writing  that it has  received an Opinion of Counsel to the effect
that an Adverse  REMIC  Event  could  occur  with  respect  to such  action.  In
addition, prior to taking any action with respect to any REMIC created hereunder
or any  related  assets  thereof,  or causing any such REMIC to take any action,
which is not expressly permitted under the terms of this Agreement,  the Trustee
will consult with the Master Servicer or the REMIC Administrator, as applicable,
or its designee,  in writing, with respect to whether such action could cause an
Adverse  REMIC Event to occur with  respect to any such  REMIC,  and the Trustee
shall not take any such  action or cause any such REMIC to take any such  action
as to which the Master Servicer or the REMIC Administrator,  as applicable,  has
advised it in writing  that an  Adverse  REMIC  Event  could  occur.  The Master
Servicer or the REMIC Administrator,  as applicable, may consult with counsel to
make  such  written  advice,  and the cost of same  shall be borne by the  party
seeking to take the action not expressly permitted by this Agreement,  but in no
event at the expense of the Master Servicer or the REMIC  Administrator.  At all
times as may be required  by the Code,  the Master  Servicer  will to the extent
within its  control  and the scope of its  duties  more  specifically  set forth
herein, maintain substantially all of the assets of each REMIC created hereunder
as  "qualified  mortgages"  as  defined in  Section  860G(a)(3)  of the Code and
"permitted investments" as defined in Section 860G(a)(5) of the Code.

        (g) In the event that any tax is imposed on "prohibited transactions" of
any REMIC  created  hereunder as defined in Section  860F(a)(2)  of the Code, on
"net income from  foreclosure  property" of any such REMIC as defined in Section
860G(c) of the Code,  on any  contributions  to any such REMIC after the Startup
Day  therefor  pursuant  to  Section  860G(d)  of the Code,  or any other tax is
imposed  by the Code or any  applicable  provisions  of state or local tax laws,
such tax shall be charged (i) to the Master Servicer,  if such tax arises out of
or results from a breach by the Master Servicer of any of its obligations  under
this Agreement or the Master Servicer has in its sole  discretion  determined to
indemnify  the Trust Fund  against such tax,  (ii) to the  Trustee,  if such tax
arises out of or results from a breach by the Trustee of any of its  obligations
under  this  Article  X, or (iii)  otherwise  against  amounts on deposit in the
Custodial  Account as provided by Section 3.10 and on the  Distribution  Date(s)
following such reimbursement the aggregate of such taxes shall be

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allocated  in  reduction  of the  Accrued  Certificate  Interest  on each  Class
entitled  thereto in the same manner as if such taxes  constituted  a Prepayment
Interest Shortfall.

        (h) The Trustee and the Master  Servicer  shall,  for federal income tax
purposes,  maintain  books  and  records  with  respect  to each  REMIC  created
hereunder  on a calendar  year and on an accrual  basis or as  otherwise  may be
required by the REMIC Provisions.

        (i)  Following  the Startup  Day,  neither the Master  Servicer  nor the
Trustee shall accept any  contributions of assets to any REMIC created hereunder
unless  (subject to Section  10.01(f)) the Master Servicer and the Trustee shall
have received an Opinion of Counsel (at the expense of the party seeking to make
such contribution) to the effect that the inclusion of such assets in such REMIC
will not  cause  the  REMIC to fail to  qualify  as a REMIC at any time that any
Certificates  are  outstanding  or subject  the REMIC to any tax under the REMIC
Provisions or other  applicable  provisions  of federal,  state and local law or
ordinances.

        (j)  Neither  the Master  Servicer  nor the  Trustee  shall  (subject to
Section  10.01(f))  enter  into any  arrangement  by  which  any  REMIC  created
hereunder will receive a fee or other  compensation  for services nor permit any
such REMIC to receive any income from assets other than "qualified mortgages" as
defined in Section 860G(a)(3) of the Code or "permitted  investments" as defined
in Section 860G(a)(5) of the Code.

        (k)  Solely  for the  purposes  of  Section  1.860G-1(a)(4)(iii)  of the
Treasury  Regulations,   the  "latest  possible  maturity  date"  by  which  the
Certificate  Principal  Balance of each Class of  Certificates  (other  than the
Interest Only  Certificates)  representing a regular  interest in the applicable
REMIC and the  Uncertificated  Principal  Balance of each  Uncertificated  REMIC
Regular  Interest  (other  than  each  Uncertificated   REMIC  Regular  Interest
represented by a Class A-V  Certificate,  if any) and the rights to the Interest
Only Certificates and Uncertificated  REMIC Regular Interest  represented by any
Class A-V  Certificate  would be reduced to zero is the  Maturity  Date for each
such Certificate and Interest.

        (l) Within 30 days after the Closing Date, the REMIC Administrator shall
prepare  and file with the  Internal  Revenue  Service  Form 8811,  "Information
Return for Real  Estate  Mortgage  Investment  Conduits  (REMIC)  and Issuers of
Collateralized Debt Obligations" for each REMIC created hereunder.

        (m) Neither the Trustee nor the Master  Servicer shall sell,  dispose of
or substitute for any of the Mortgage  Loans (except in connection  with (i) the
default,  imminent default or foreclosure of a Mortgage Loan,  including but not
limited to, the acquisition or sale of a Mortgaged  Property acquired by deed in
lieu of foreclosure,  (ii) the bankruptcy of any REMIC created hereunder,  (iii)
the  termination  of any such REMIC  pursuant to Article IX of this Agreement or
(iv) a  purchase  of  Mortgage  Loans  pursuant  to  Article  II or III of  this
Agreement) nor acquire any assets for any such REMIC, nor sell or dispose of any
investments  in the Custodial  Account or the  Certificate  Account for gain nor
accept any  contributions to any such REMIC after the Closing Date unless it has
received  an Opinion of Counsel  that such sale,  disposition,  substitution  or
acquisition will not (a) affect adversely the status of such REMIC as a REMIC or
(b)  unless  the  Master  Servicer  has  determined  in its sole  discretion  to
indemnify the Trust Fund against such tax, cause such REMIC

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to be subject to a tax on "prohibited  transactions" or "contributions" pursuant
to the REMIC Provisions.

          Section  10.02  Master  Servicer,   REMIC  Administrator  and  Trustee
               Indemnification.

        (a) The Trustee  agrees to indemnify  the Trust Fund,  the Company,  the
REMIC  Administrator  and the Master Servicer for any taxes and costs including,
without limitation,  any reasonable attorneys fees imposed on or incurred by the
Trust Fund, the Company or the Master  Servicer,  as a result of a breach of the
Trustee's covenants set forth in Article VIII or this Article X.

        (b) The REMIC  Administrator  agrees to  indemnify  the Trust Fund,  the
Company, the Master Servicer and the Trustee for any taxes and costs (including,
without  limitation,  any reasonable  attorneys' fees) imposed on or incurred by
the Trust Fund, the Company,  the Master Servicer or the Trustee, as a result of
a breach of the REMIC Administrator's covenants set forth in this Article X with
respect to compliance with the REMIC Provisions,  including without  limitation,
any penalties  arising from the Trustee's  execution of Tax Returns  prepared by
the REMIC  Administrator  that contain errors or omissions;  provided,  however,
that such liability will not be imposed to the extent such breach is a result of
an error or omission in information  provided to the REMIC  Administrator by the
Master Servicer in which case Section 10.02(c) will apply.

        (c) The Master Servicer agrees to indemnify the Trust Fund, the Company,
the REMIC  Administrator  and the  Trustee  for any taxes and costs  (including,
without  limitation,  any reasonable  attorneys' fees) imposed on or incurred by
the Trust Fund, the Company, the REMIC Administrator or the Trustee, as a result
of a breach of the Master Servicer's covenants set forth in this Article X or in
Article III with  respect to  compliance  with the REMIC  Provisions,  including
without  limitation,  any penalties arising from the Trustee's  execution of Tax
Returns prepared by the Master Servicer that contain errors or omissions.

        Section 10.03 Designation of REMIC(s).

        As provided in Section 10.03 of the Series Supplement.

                                          ARTICLE XI

                                   MISCELLANEOUS PROVISIONS

        Section 11.01 Amendment.

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

                      (i)    to cure any ambiguity,

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                      (ii) to correct or  supplement  any  provisions  herein or
               therein,  which may be  inconsistent  with any  other  provisions
               herein or therein or to correct any error,

                      (iii) to modify, eliminate or add to any of its provisions
               to such extent as shall be necessary or desirable to maintain the
               qualification  of the Trust Fund as a REMIC at all times that any
               Certificate  is  outstanding  or to avoid or minimize the risk of
               the  imposition of any tax on the Trust Fund pursuant to the Code
               that would be a claim  against the Trust Fund,  provided that the
               Trustee has received an Opinion of Counsel to the effect that (A)
               such  action  is  necessary   or   desirable  to  maintain   such
               qualification  or to avoid or minimize the risk of the imposition
               of any such tax and (B) such action will not adversely  affect in
               any material respect the interests of any Certificateholder,

                      (iv) to change the timing  and/or  nature of deposits into
               the Custodial Account or the Certificate Account or to change the
               name in which the Custodial Account is maintained,  provided that
               (A) the  Certificate  Account  Deposit  Date shall in no event be
               later than the related  Distribution  Date, (B) such change shall
               not, as evidenced by an Opinion of Counsel,  adversely  affect in
               any material respect the interests of any  Certificateholder  and
               (C) such  change  shall not result in a  reduction  of the rating
               assigned  to any  Class of  Certificates  below  the lower of the
               then-current  rating or the rating assigned to such  Certificates
               as of the Closing Date, as evidenced by a letter from each Rating
               Agency to such effect,

                      (v) to  modify,  eliminate  or add  to the  provisions  of
               Section  5.02(f)  or  any  other  provision  hereof   restricting
               transfer  of the Class R  Certificates,  by virtue of their being
               the  "residual  interests"  in a  REMIC,  provided  that (A) such
               change shall not result in  reduction  of the rating  assigned to
               any  such   Class  of   Certificates   below  the  lower  of  the
               then-current  rating or the rating assigned to such  Certificates
               as of the Closing Date, as evidenced by a letter from each Rating
               Agency to such effect,  and (B) such change shall not (subject to
               Section 10.01(f)),  as evidenced by an Opinion of Counsel (at the
               expense of the party seeking so to modify,  eliminate or add such
               provisions),  cause any  REMIC  created  hereunder  or any of the
               Certificateholders (other than the transferor) to be subject to a
               federal  tax  caused  by a  transfer  to a  Person  that is not a
               Permitted Transferee,

                      (vi) to make any other  provisions with respect to matters
               or  questions  arising  under this  Agreement  or such  Custodial
               Agreement  which shall not be  materially  inconsistent  with the
               provisions  of this  Agreement,  provided  that such action shall
               not, as evidenced by an Opinion of Counsel,  adversely  affect in
               any material respect the interests of any Certificateholder, or

                    (vii) to amend any  provision  herein or therein that is not
               material to any of the Certificateholders.

        (b) This  Agreement or any Custodial  Agreement may also be amended from
time to time by the  Company,  the  Master  Servicer  and the  Trustee  with the
consent of the Holders of Certificates

                                             100

<PAGE>

evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each  Class of  Certificates  affected  thereby  for the  purpose  of adding any
provisions to or changing in any manner or eliminating  any of the provisions of
this  Agreement  or such  Custodial  Agreement or of modifying in any manner the
rights of the Holders of Certificates of such Class; provided,  however, that no
such amendment shall:

                      (i)  reduce  in any  manner  the  amount  of, or delay the
               timing of,  payments  which are required to be distributed on any
               Certificate   without   the   consent   of  the  Holder  of  such
               Certificate,

                      (ii) reduce the aforesaid  percentage of  Certificates  of
               any Class the  Holders  of which are  required  to consent to any
               such  amendment,  in any such case  without  the  consent  of the
               Holders of all Certificates of such Class then outstanding.

        (c)  Notwithstanding  any  contrary  provision  of this  Agreement,  the
Trustee  shall not consent to any  amendment to this  Agreement  unless it shall
have first  received an Opinion of Counsel  (subject to Section  10.01(f) and at
the  expense  of the party  seeking  such  amendment)  to the  effect  that such
amendment  or the  exercise  of any power  granted to the Master  Servicer,  the
Company or the Trustee in accordance  with such amendment will not result in the
imposition  of a federal tax on the Trust Fund or cause any REMIC  created under
the  Series  Supplement  to fail to  qualify  as a REMIC  at any  time  that any
Certificate is outstanding.

        (d) Promptly after the execution of any such amendment the Trustee shall
furnish written notification of the substance of such amendment to the Custodian
and each  Certificateholder.  It  shall  not be  necessary  for the  consent  of
Certificateholders  under this Section 11.01 to approve the  particular  form of
any proposed amendment, but it shall be sufficient if such consent shall approve
the substance  thereof.  The manner of obtaining such consents and of evidencing
the  authorization  of the  execution  thereof  by  Certificateholders  shall be
subject to such reasonable regulations as the Trustee may prescribe.

        (e) The Company shall have the option, in its sole discretion, to obtain
and  deliver  to  the  Trustee  any  corporate  guaranty,   payment  obligation,
irrevocable  letter  of  credit,   surety  bond,  insurance  policy  or  similar
instrument or a reserve  fund,  or any  combination  of the  foregoing,  for the
purpose of protecting the Holders of the Class B Certificates against any or all
Realized Losses or other  shortfalls.  Any such instrument or fund shall be held
by the Trustee for the benefit of the Class B Certificateholders,  but shall not
be and shall not be deemed to be under any  circumstances  included in the Trust
Fund. To the extent that any such instrument or fund  constitutes a reserve fund
for federal income tax purposes, (i) any reserve fund so established shall be an
outside  reserve fund and not an asset of the Trust Fund,  (ii) any such reserve
fund shall be owned by the Company,  and (iii) amounts  transferred by the Trust
Fund to any such  reserve  fund shall be treated as amounts  distributed  by the
Trust Fund to the Company or any  successor,  all within the meaning of Treasury
Regulations  Section  1.860G-2(h)  as  it  reads  as of  the  Cut-off  Date.  In
connection with the provision of any such instrument or fund, this Agreement and
any provision hereof may be modified,  added to, deleted or otherwise amended in
any manner  that is  related or  incidental  to such  instrument  or fund or the
establishment or  administration  thereof,  such amendment to be made by written
instrument  executed or  consented  to by the Company but without the consent of
any

                                             101

<PAGE>

Certificateholder  and without the consent of the Master Servicer or the Trustee
being required unless any such amendment would impose any additional  obligation
on,   or   otherwise    adversely   affect   the   interests   of   the   Senior
Certificateholders,  the Class M Certificateholders,  the Master Servicer or the
Trustee,  as applicable;  provided that the Company obtains  (subject to Section
10.01(f))  an Opinion of Counsel  (which  need not be an opinion of  Independent
counsel)  to the effect that any such  amendment  will not cause (a) any federal
tax to be imposed on the Trust Fund,  including without limitation,  any federal
tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or
on "contributions  after the startup date" under Section  860G(d)(1) of the Code
and (b) any REMIC  created  hereunder  to fail to qualify as a REMIC at any time
that any  Certificate  is  outstanding.  In the event that the Company elects to
provide  such  coverage  in the form of a limited  guaranty  provided by General
Motors  Acceptance  Corporation,  the  Company  may elect  that the text of such
amendment to this Agreement shall be  substantially  in the form attached hereto
as Exhibit K (in which case Residential Funding's  Subordinate  Certificate Loss
Obligation  as described in such exhibit  shall be  established  by  Residential
Funding's  consent to such  amendment)  and that the limited  guaranty  shall be
executed  in the form  attached  hereto as Exhibit  K, with such  changes as the
Company shall deem to be appropriate;  it being  understood that the Trustee has
reviewed and approved the content of such forms and that the  Trustee's  consent
or approval to the use thereof is not required.

        Section 11.02 Recordation of Agreement; Counterparts.

        (a) To the extent permitted by applicable law, this Agreement is subject
to recordation in all  appropriate  public offices for real property  records in
all the counties or other  comparable  jurisdictions  in which any or all of the
properties  subject to the Mortgages are situated,  and in any other appropriate
public  recording  office or elsewhere,  such  recordation to be effected by the
Master Servicer and at its expense on direction by the Trustee  (pursuant to the
request  of  Holders  of  Certificates  entitled  to at least 25% of the  Voting
Rights),  but only upon  direction  accompanied  by an Opinion of Counsel to the
effect that such recordation  materially and beneficially  affects the interests
of the Certificateholders.

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

        Section 11.03 Limitation on Rights of Certificateholders.

        (a) The death or incapacity of any  Certificateholder  shall not operate
to   terminate   this   Agreement   or  the  Trust  Fund,   nor   entitle   such
Certificateholder's  legal representatives or heirs to claim an accounting or to
take any action or  proceeding in any court for a partition or winding up of the
Trust Fund, nor otherwise affect the rights,  obligations and liabilities of any
of the parties hereto.

        (b) No  Certificateholder  shall  have  any  right  to vote  (except  as
expressly  provided herein) or in any manner otherwise control the operation and
management  of the Trust Fund, or the  obligations  of the parties  hereto,  nor
shall anything herein set forth, or contained in the terms of the  Certificates,
be construed so as to  constitute  the  Certificateholders  from time to time as
partners or

                                             102

<PAGE>

members  of an  association;  nor  shall  any  Certificateholder  be  under  any
liability  to any third  person by reason of any action  taken by the parties to
this Agreement pursuant to any provision hereof.

        (c) No Certificateholder shall have any right by virtue of any provision
of this  Agreement to institute  any suit,  action or proceeding in equity or at
law  upon or  under  or with  respect  to this  Agreement,  unless  such  Holder
previously  shall have given to the  Trustee a written  notice of default and of
the continuance thereof, as hereinbefore  provided,  and unless also the Holders
of  Certificates  of any Class  evidencing in the aggregate not less than 25% of
the related Percentage  Interests of such Class, shall have made written request
upon the Trustee to institute such action, suit or proceeding in its own name as
Trustee  hereunder  and  shall  have  offered  to the  Trustee  such  reasonable
indemnity as it may require  against the costs,  expenses and  liabilities to be
incurred therein or thereby,  and the Trustee,  for 60 days after its receipt of
such notice, request and offer of indemnity,  shall have neglected or refused to
institute any such action,  suit or proceeding it being understood and intended,
and being  expressly  covenanted  by each  Certificateholder  with  every  other
Certificateholder  and the Trustee,  that no one or more Holders of Certificates
of any  Class  shall  have any  right in any  manner  whatever  by virtue of any
provision of this  Agreement to affect,  disturb or prejudice  the rights of the
Holders of any other of such  Certificates  of such Class or any other Class, or
to  obtain or seek to  obtain  priority  over or  preference  to any other  such
Holder,  or to  enforce  any right  under this  Agreement,  except in the manner
herein provided and for the common benefit of  Certificateholders  of such Class
or all Classes,  as the case may be. For the protection  and  enforcement of the
provisions  of this  Section  11.03,  each and every  Certificateholder  and the
Trustee  shall be entitled  to such  relief as can be given  either at law or in
equity.

        Section 11.04 Governing Law.

        This agreement and the  Certificates  shall be governed by and construed
in accordance with the laws of the State of New York and the obligations, rights
and remedies of the parties  hereunder  shall be determined  in accordance  with
such laws.

        Section 11.05 Notices.

        As provided in Section 11.05 of the Series Supplement.

        Section 11.06 Required Notices to Rating Agency and Subservicer.

        The Company,  the Master Servicer or the Trustee,  as applicable,  shall
notify each Rating  Agency and the  Subservicer  at such time as it is otherwise
required  pursuant to this Agreement to give notice of the occurrence of, any of
the events described in clause (a), (b), (c), (d), (g), (h), (i) or (j) below or
provide a copy to each Rating  Agency at such time as  otherwise  required to be
delivered  pursuant to this  Agreement  of any of the  statements  described  in
clauses (e) and (f) below:

        (a)    a material change or amendment to this Agreement,

        (b)    the occurrence of an Event of Default,

                                             103

<PAGE>

     (c) the  termination  or  appointment  of a  successor  Master  Servicer or
Trustee or a change in the majority ownership of the Trustee,

        (d) the filing of any claim under the Master Servicer's blanket fidelity
bond and the errors and omissions  insurance  policy required by Section 3.12 or
the cancellation or modification of coverage under any such instrument,

     (e) the statement  required to be delivered to the Holders of each Class of
Certificates pursuant to Section 4.03,

     (f) the statements  required to be delivered  pursuant to Sections 3.18 and
3.19,

     (g) a change in the location of the  Custodial  Account or the  Certificate
Account,

        (h) the  occurrence of any monthly cash flow shortfall to the Holders of
any Class of  Certificates  resulting from the failure by the Master Servicer to
make an Advance pursuant to Section 4.04,

        (i)    the occurrence of the Final Distribution Date, and

        (j)    the repurchase of or substitution for any Mortgage Loan,

provided,  however,  that with respect to notice of the occurrence of the events
described in clauses (d), (g) or (h) above,  the Master  Servicer  shall provide
prompt  written  notice to each Rating  Agency and the  Subservicer  of any such
event known to the Master Servicer.

        Section 11.07 Severability of Provisions.

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

        Section 11.08 Supplemental Provisions for Resecuritization.

        This  Agreement  may be  supplemented  by  means  of the  addition  of a
separate  Article  hereto  (a   "Supplemental   Article")  for  the  purpose  of
resecuritizing  any of the Certificates  issued  hereunder,  under the following
circumstances.  With  respect  to any Class or Classes  of  Certificates  issued
hereunder,  or any portion of any such Class,  as to which the Company or any of
its  Affiliates  (or  any  designee  thereof)  is  the  registered  Holder  (the
"Resecuritized  Certificates"),  the  Company  may  deposit  such  Resecuritized
Certificates into a new REMIC, grantor trust, FASIT or custodial  arrangement (a
"Restructuring  Vehicle") to be held by the Trustee  pursuant to a  Supplemental
Article.  The instrument adopting such Supplemental Article shall be executed by
the Company,  the Master  Servicer and the Trustee;  provided,  that neither the
Master  Servicer nor the Trustee shall withhold  their consent  thereto if their
respective interests would not be materially adversely affected

                                             104

<PAGE>

thereby. To the extent that the terms of the Supplemental  Article do not in any
way  affect  any  provisions  of this  Agreement  as to any of the  Certificates
initially issued hereunder,  the adoption of the Supplemental  Article shall not
constitute an "amendment" of this Agreement.

        Each  Supplemental  Article  shall set forth  all  necessary  provisions
relating to the holding of the  Resecuritized  Certificates by the Trustee,  the
establishment of the  Restructuring  Vehicle,  the issuing of various classes of
new certificates by the  Restructuring  Vehicle and the distributions to be made
thereon,  and any  other  provisions  necessary  for the  purposes  thereof.  In
connection  with each  Supplemental  Article,  the Company  shall deliver to the
Trustee an Opinion of Counsel to the effect that (i) the  Restructuring  Vehicle
will  qualify as a REMIC,  grantor  trust,  FASIT or other entity not subject to
taxation  for  federal  income  tax  purposes  and  (ii)  the  adoption  of  the
Supplemental  Article  will not endanger the status of the Trust Fund as a REMIC
or  (subject to Section  10.01(f))  result in the  imposition  of a tax upon the
Trust Fund  (including but not limited to the tax on prohibited  transactions as
defined  in Section  860F(a)(2)  of the Code and the tax on  contributions  to a
REMIC as set forth in Section 860G(d) of the Code).

        Section 11.09 Allocation of Voting Rights.

               As provided in Section 11.09 of the Series Supplement.

                                             105

<PAGE>

                                          EXHIBIT A

             FORM OF CLASS A CERTIFICATE, [PRINCIPAL ONLY/CLASS A-P] CERTIFICATE
                          AND [INTEREST ONLY/CLASS A-V] CERTIFICATE

        SOLELY FOR U.S.  FEDERAL  INCOME TAX  PURPOSES,  THIS  CERTIFICATE  IS A
"REGULAR  INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE
TERMS ARE  DEFINED,  RESPECTIVELY,  IN  SECTIONS  860G AND 860D OF THE  INTERNAL
REVENUE CODE OF 1986.

        [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION  ("DTC"),  TO ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER,  EXCHANGE,  OR PAYMENT,  AND ANY CERTIFICATE
ISSUED  IS  REGISTERED  IN THE NAME OF CEDE & CO.  OR IN SUCH  OTHER  NAME AS IS
REQUESTED  BY AN  AUTHORIZED  REPRESENTATIVE  OF DTC (AND ANY PAYMENT IS MADE TO
CEDE  &  CO.  OR  TO  SUCH  OTHER  ENTITY  AS  IS  REQUESTED  BY  AN  AUTHORIZED
REPRESENTATIVE  OF DTC), ANY TRANSFER,  PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE  BY OR TO ANY PERSON IS  WRONGFUL  INASMUCH  AS THE  REGISTERED  OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.]

<PAGE>

<TABLE>
<CAPTION>

<S>                                             <C>
Certificate No. [____]                          [____]% [Adjustable] [Variable] Pass-Through
                                                Rate [based on a Notional Amount]
Class [A-___] Senior                            Percentage Interest: ____%
Date of Pooling and Servicing Agreement and     Aggregate Initial [Certificate Principal
Cut-off Date:                                   Balance] [Interest Only/Class A-V] [Notional
[______________]                                Amount] [Subclass Notional Amount] of the
                                                Class [A-___] Certificates: $________
First Distribution Date:                        [Initial] [Certificate Principal Balance]
[______________]                                [Interest Only/Class A-V] [Subclass] [Notional
                                                Amount] of this Certificate:
                                                $[--------------]
Master Servicer:
Residential Funding Corporation
Assumed Final Distribution Date:                CUSIP
[--------------]                                [--------------]

</TABLE>

                              MORTGAGE PASS-THROUGH CERTIFICATE
                                       SERIES ________

               evidencing a percentage  interest in the distributions  allocable
               To the Class  [A-___]  certificates  with respect to a trust fund
               Consisting   primarily  of  a  pool  of   conventional   one-  to
               Four-family  fixed  interest rate first mortgage loans formed and
               sold by RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC.

        This  Certificate  is payable  solely from the assets of the Trust Fund,
and does not  represent  an  obligation  of or interest in  Residential  Funding
Mortgage Securities I, Inc., the Master Servicer,  the Trustee referred to below
or  GMAC  Mortgage  Group,  Inc.  or  any  of  their  affiliates.  Neither  this
certificate  nor the underlying  mortgage loans are guaranteed or insured by any
governmental  agency  or  instrumentality  or by  residential  funding  mortgage
securities I, inc.,  the master  servicer,  the trustee or GMAC Mortgage  Group,
Inc. or any of their affiliates.  None of the company, the master servicer, GMAC
Mortgage  Group,  Inc. or any of their  affiliates will have any obligation with
respect to any  certificate  or other  obligation  secured  by or  payable  from
payments on the certificates.

        This certifies that is the registered  owner of the percentage  interest
evidenced by this  certificate  [(obtained by dividing the [initial  certificate
principal balance] [initial  [interest  only/Class A-v] notional amount] of this
certificate by the aggregate [initial certificate principal balance of all Class
A-  certificates]  [initial  [interest  only/Class A-v] notional  amounts of all
[interest only/Class

<PAGE>

A-v]  certificates],  both as specified  above)] in certain  distributions  with
respect to the trust  fund  consisting  primarily  of an  interest  in a pool of
conventional  one- to four-family  fixed interest rate first mortgage loans (the
"mortgage loans"), formed and sold by residential funding mortgage securities I,
inc. (Hereinafter called the "company," which term includes any successor entity
under the agreement referred to below). The trust fund was created pursuant to a
series  supplement,  dated as specified  above, to the standard terms of pooling
and servicing agreement dated as of ________________ (together, the "pooling and
servicing  agreement" or the "agreement") among the company, the master servicer
and  _______________,  as trustee (the  "trustee"),  a summary of certain of the
pertinent provisions of which is set forth hereafter.  To the extent not defined
herein,  the  capitalized  terms used herein have the  meanings  assigned in the
agreement.  This  certificate  is issued  under  and is  subject  to the  terms,
provisions  and conditions of the  agreement,  to which  agreement the holder of
this  certificate by virtue of the  acceptance  hereof assents and by which such
holder is bound.

        Pursuant to the terms of the agreement,  a distribution  will be made on
the 25th day of each  month  or,  if such 25th day is not a  business  day,  the
business day  immediately  following (the  "distribution  date"),  commencing as
described  in the  agreement,  to the person in whose name this  certificate  is
registered  at the close of business on the last day (or if such last day is not
a business  day, the business day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "record date"),
from the available  distribution amount in an amount equal to the product of the
percentage  interest  evidenced by this certificate and the amount [(of interest
and  principal,  if any)]  required  to be  distributed  to  holders of Class A-
certificates on such distribution date. [the [interest  only/Class A-v] notional
amount  of  the  [interest  only/Class  A-v]  certificates  as of  any  date  of
determination is equal to the aggregate stated principal balance of the mortgage
loans corresponding to the uncertificated remic regular interests represented by
such [interest only/Class A-v] certificates.]

        Distributions  on this  certificate  will be made  either by the  master
servicer  acting on behalf of the trustee or by a paying agent  appointed by the
trustee in immediately  available  funds (by wire transfer or otherwise) for the
account of the person entitled thereto if such person shall have so notified the
master  servicer or such paying agent,  or by check mailed to the address of the
person  entitled  thereto,  as  such  name  and  address  shall  appear  on  the
certificate register.

        Notwithstanding  the above,  the final  distribution on this certificate
will be made after due notice of the pendency of such distribution and only upon
presentation and surrender of this certificate at the office or agency appointed
by the trustee for that purpose in the city and state of New York.  The [initial
certificate  principal  balance]  [initial  [interest  only/Class  A-v] notional
amount] of this  certificate  is set forth  above.] [the  certificate  principal
balance  hereof  will be  reduced to the extent of  distributions  allocable  to
principal and any realized losses allocable hereto.]

        This  certificate  is one of a duly  authorized  issue  of  certificates
issued in several classes  designated as mortgage  pass-through  certificates of
the series specified hereon (herein collectively called the "certificates").

        The certificates are limited in right of payment to certain  collections
and recoveries respecting the mortgage loans, all as more specifically set forth
herein and in the agreement. In the

<PAGE>

event master servicer funds are advanced with respect to any mortgage loan, such
advance is  reimbursable to the master  servicer,  to the extent provided in the
agreement, from related recoveries on such mortgage loan or from other cash that
would have been distributable to certificateholders.

        As provided in the  agreement,  withdrawals  from the custodial  account
and/or the certificate account created for the benefit of certificateholders may
be made by the  master  servicer  from  time to time  for  purposes  other  than
distributions to certificateholders,  such purposes including without limitation
reimbursement  to the company  and the master  servicer  of  advances  made,  or
certain expenses incurred, by either of them.

        The agreement permits,  with certain  exceptions  therein provided,  the
amendment of the agreement and the modification of the rights and obligations of
the  company,  the  master  servicer  and  the  trustee  and the  rights  of the
certificateholders  under the  agreement at any time by the company,  the master
servicer  and the  trustee  with the  consent  of the  holders  of  certificates
evidencing  in the aggregate  not less than 66% of the  percentage  interests of
each class of certificates  affected thereby.  Any such consent by the holder of
this  certificate  shall be  conclusive  and binding on such holder and upon all
future  holders  of this  certificate  and of any  certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  certificate.  The  agreement  also permits the
amendment thereof in certain circumstances without the consent of the holders of
any of the certificates and, in certain  additional  circumstances,  without the
consent of the holders of certain  classes of  certificates.  As provided in the
agreement and subject to certain  limitations therein set forth, the transfer of
this  certificate is registrable in the  certificate  register upon surrender of
this  certificate  for  registration  of  transfer  at the  offices or  agencies
appointed by the trustee in the city and state of New York, duly endorsed by, or
accompanied  by an assignment  in the form below or other written  instrument of
transfer in form satisfactory to the trustee and the certificate  registrar duly
executed by the holder  hereof or such  holder's  attorney  duly  authorized  in
writing, and thereupon one or more new certificates of authorized  denominations
evidencing  the same class and aggregate  percentage  interest will be issued to
the designated transferee or transferees.

        The  certificates are issuable only as registered  certificates  without
coupons in classes and in denominations  specified in the agreement. As provided
in  the  agreement  and  subject  to  certain  limitations  therein  set  forth,
certificates are  exchangeable for new certificates of authorized  denominations
evidencing the same Class and aggregate percentage interest, as requested by the
holder surrendering the same.

        No service charge will be made for any such  registration of transfer or
exchange,  but the trustee may require  payment of a sum sufficient to cover any
tax or other governmental charge payable in connection therewith.

        The  company,  the master  servicer,  the  trustee  and the  certificate
registrar and any agent of the company, the master servicer,  the trustee or the
certificate  registrar  may treat the person in whose name this  certificate  is
registered  as the owner hereof for all purposes,  and neither the company,  the
master  servicer,  the trustee nor any such agent shall be affected by notice to
the contrary.

<PAGE>

        This  certificate  shall be governed by and construed in accordance with
the laws of the state of New York.

        The obligations  created by the agreement in respect of the certificates
and the  trust  fund  created  thereby  shall  terminate  upon  the  payment  to
certificateholders  of all  amounts  held by or on  behalf  of the  trustee  and
required to be paid to them pursuant to the  agreement  following the earlier of
(i) the maturity or other  liquidation of the last mortgage loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any mortgage  loan and (ii) the purchase by the master  servicer
from the trust fund of all remaining mortgage loans and all property acquired in
respect of such  mortgage  loans,  thereby  effecting  early  retirement  of the
certificates.  The agreement permits,  but does not require, the master servicer
to (i) purchase at a price determined as provided in the agreement all remaining
mortgage loans and all property acquired in respect of any mortgage loan or (ii)
purchase in whole,  but not in part,  all of the  certificates  from the holders
thereof; provided, that any such option may only be exercised if the pool stated
principal  balance of the mortgage loans as of the distribution  date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the cut-off date principal balance of the mortgage loans.

        Reference is hereby made to the further  provisions of this  certificate
set forth on the reverse hereof, which further provisions shall for all purposes
have the same effect as if set forth at this place.

        Unless the certificate of authentication hereon has been executed by the
certificate  registrar,  by  manual  signature,  this  certificate  shall not be
entitled to any benefit under the agreement or be valid for any purpose.

<PAGE>

        IN WITNESS  WHEREOF,  the trustee has caused this certificate to be duly
executed.

Dated:________________                             [TRUSTEE],
                                                   as Trustee

                                                   By:
                                                      -------------------------
                                                   Authorized Signatory

                                 CERTIFICATE OF AUTHENTICATION

        This  is  one  of  the  Class  [A- ]  Certificates  referred  to in  the
within-mentioned Agreement.

                                                   [TRUSTEE],
                                                   as Certificate Registrar

                                                   By:
                                                      -------------------------
                                                   Authorized Signatory

<PAGE>

                                   ASSIGNMENT

        FOR VALUE  RECEIVED,  the  undersigned  hereby  sell(s),  assign(s)  and
transfer(s)  unto (Please print or typewrite name and address  including  postal
zip code of assignee) a  Percentage  Interest  evidenced by the within  Mortgage
Pass- Through  Certificate and hereby authorizes the transfer of registration of
such interest to assignee on the Certificate Register of the Trust Fund.

        I  (We)  further  direct  the  Certificate  Registrar  to  issue  a  new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

Dated:
      ________________            ____________________________________________
                                   Signature by or on behalf of assignor

                                   ___________________________________________
                                                   Signature Guaranteed

                                   DISTRIBUTION INSTRUCTIONS

        The assignee should include the following for purposes of distribution:

        Distributions  shall  be  made,  by  wire  transfer  or  otherwise,   in
immediately  available  funds  to  _______________________for   the  account  of
__________________  account number  ______________-,  or, if mailed by check, to
____________________________.   Applicable   statements   should  be  mailed  to
________________________.

        This  information  is provided by  _____________________,  the  assignee
named above, or ________________, as its agent.

<PAGE>

                                           EXHIBIT B

                                  FORM OF CLASS M CERTIFICATE

        THIS  CERTIFICATE  IS  SUBORDINATED  IN RIGHT OF  PAYMENT  TO THE SENIOR
CERTIFICATES  [CLASS M-1 CERTIFICATES] [AND CLASS M-2 CERTIFICATES] AS DESCRIBED
IN THE AGREEMENT (AS DEFINED BELOW).

        SOLELY FOR U.S.  FEDERAL  INCOME TAX  PURPOSES,  THIS  CERTIFICATE  IS A
"REGULAR  INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT," AS THOSE
TERMS ARE  DEFINED,  RESPECTIVELY,  IN  SECTIONS  860G AND 860D OF THE  INTERNAL
REVENUE CODE OF 1986 (THE "CODE").

        UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED  REPRESENTATIVE OF
THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION  ("DTC"),  TO ISSUER OR ITS
AGENT FOR REGISTRATION OF TRANSFER,  EXCHANGE,  OR PAYMENT,  AND ANY CERTIFICATE
ISSUED  IS  REGISTERED  IN THE NAME OF CEDE & CO.  OR IN SUCH  OTHER  NAME AS IS
REQUESTED  BY AN  AUTHORIZED  REPRESENTATIVE  OF DTC (AND ANY PAYMENT IS MADE TO
CEDE  &  CO.  OR  TO  SUCH  OTHER  ENTITY  AS  IS  REQUESTED  BY  AN  AUTHORIZED
REPRESENTATIVE  OF DTC), ANY TRANSFER,  PLEDGE, OR OTHER USE HEREOF FOR VALUE OR
OTHERWISE  BY OR TO ANY PERSON IS  WRONGFUL  INASMUCH  AS THE  REGISTERED  OWNER
HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

        ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED TO HAVE REPRESENTED BY
VIRTUE OF ITS PURCHASE OR HOLDING OF THIS  CERTIFICATE (OR INTEREST HEREIN) THAT
EITHER (A) SUCH TRANSFEREE IS NOT AN INVESTMENT  MANAGER, A NAMED FIDUCIARY OR A
TRUSTEE OF ANY PLAN) ACTING, DIRECTLY OR INDIRECTLY,  ON BEHALF OF OR PURCHASING
ANY CERTIFICATE WITH "PLAN ASSETS" OF ANY PLAN (A "PLAN  INVESTOR"),  (B) IT HAS
ACQUIRED AND IS HOLDING SUCH  CERTIFICATE IN RELIANCE ON PROHIBITED  TRANSACTION
EXEMPTION  ("PTE") 94-29, 59 FED. REG. 14674 (MARCH 29, 1994), AS AMENDED BY PTE
97-34, 62 FED. REG. 39021 (JULY 21, 1997),  AND PTE 2000-58,  65 FED. REG. 67765
(NOVEMBER 13, 2000) (THE "RFC  EXEMPTION"),  AND THAT IT UNDERSTANDS  THAT THERE
ARE CERTAIN  CONDITIONS TO THE AVAILABILITY OF THE RFC EXEMPTION  INCLUDING THAT
SUCH CERTIFICATE  MUST BE RATED, AT THE TIME OF PURCHASE,  NOT LOWER THAN "BBB-"
(OR ITS  EQUIVALENT)  BY  STANDARD  & POOR'S,  FITCH OR  MOODY'S  OR (C)(I)  THE
TRANSFEREE IS AN INSURANCE COMPANY, (II) THE SOURCE OF FUNDS TO BE USED BY IT TO
PURCHASE THE CERTIFICATE IS AN "INSURANCE  COMPANY GENERAL  ACCOUNT" (WITHIN THE
MEANING OF U.S.  DEPARTMENT  OF LABOR  PROHIBITED  TRANSACTION  CLASS  EXEMPTION
("PTCE")  95-60),  AND (III) THE  CONDITIONS  SET FORTH IN SECTIONS I AND III OF
PTCE 95-60 HAVE BEEN  SATISFIED  (EACH ENTITY THAT  SATISFIES THIS CLAUSE (C), A
"COMPLYING INSURANCE COMPANY").

<PAGE>

        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)  ACQUIRED  SUCH
CERTIFICATE  IN  COMPLIANCE  WITH THE RFC  EXEMPTION  OR  (III)  IS A  COMPLYING
INSURANCE  COMPANY  SHALL BE  RESTORED,  TO THE EXTENT  PERMITTED BY LAW, TO ALL
RIGHTS AND OBLIGATIONS AS CERTIFICATE  OWNER THEREOF  RETROACTIVE TO THE DATE OF
SUCH  TRANSFER OF THIS  CERTIFICATE.  THE TRUSTEE SHALL BE UNDER NO LIABILITY TO
ANY PERSON FOR MAKING ANY PAYMENTS  DUE ON THIS  CERTIFICATE  TO SUCH  PRECEDING
TRANSFEREE.

        ANY PURPORTED  CERTIFICATE  OWNER WHOSE  ACQUISITION  OR HOLDING OF THIS
CERTIFICATE (OR INTEREST  HEREIN) WAS EFFECTED IN VIOLATION OF THE  RESTRICTIONS
IN SECTION  5.02(E) OF THE POOLING AND SERVICING  AGREEMENT  SHALL INDEMNIFY AND
HOLD HARMLESS THE COMPANY,  THE TRUSTEE,  THE MASTER SERVICER,  ANY SUBSERVICER,
AND THE TRUST FUND FROM AND AGAINST ANY AND ALL  LIABILITIES,  CLAIMS,  COSTS OR
EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING.

<PAGE>

<TABLE>

<S>                                             <C>
Certificate No. [____]                          [____]% Pass-Through Rate
Class [M-___] Subordinate
Date of Pooling and Servicing Agreement and     Principal Balance of the Class M Certificates:
Cut-off Date:                                   $_______________
[--------------]
First Distribution Date:                        Initial Certificate Principal Balance of this
[______________]                                Certificate:
                                                $[--------------]
Master Servicer:
Residential Funding Corporation
Assumed Final Distribution Date:                CUSIP
[--------------]                                [--------------]

</TABLE>

                              MORTGAGE PASS-THROUGH CERTIFICATE,
                                       SERIES ________

               evidencing a percentage  interest in any distributions  allocable
               to the Class M-___  Certificates  with  respect to the Trust Fund
               consisting   primarily  of  a  pool  of   conventional   one-  to
               four-family  fixed  interest rate first mortgage loans formed and
               sold by RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC.

        This  Certificate  is payable  solely from the assets of the Trust Fund,
and does not  represent  an  obligation  of or interest in  Residential  Funding
Mortgage Securities I, Inc., the Master Servicer,  the Trustee referred to below
or  GMAC  Mortgage  Group,  Inc.  or  any  of  their  affiliates.  Neither  this
Certificate  nor the underlying  Mortgage Loans are guaranteed or insured by any
governmental  agency  or  instrumentality  or by  Residential  Funding  Mortgage
Securities I, Inc.,  the Master  Servicer,  the Trustee or GMAC Mortgage  Group,
Inc. or any of their affiliates.  None of the Company, the Master Servicer, GMAC
Mortgage  Group,  Inc. or any of their  affiliates will have any obligation with
respect to any  certificate  or other  obligation  secured  by or  payable  from
payments on the Certificates.

        This certifies that is the registered  owner of the Percentage  Interest
evidenced by this  Certificate  (obtained by dividing the Certificate  Principal
Balance of this Certificate by the aggregate  Certificate  Principal  Balance of
all Class M-___ Certificates,  both as specified above) in certain distributions
with respect to a Trust Fund consisting primarily of a pool of conventional one-
to four-family fixed interest rate first mortgage loans (the "Mortgage  Loans"),
formed and sold by Residential Funding Mortgage Securities I, Inc.  (hereinafter
called the  "Company,"  which  term  includes  any  successor  entity  under the
Agreement  referred to below).  The Trust Fund was created  pursuant to a Series
Supplement, dated as specified above, to the Standard Terms of Pooling and

<PAGE>

Servicing  Agreement dated as of  ________________  (together,  the "Pooling and
Servicing  Agreement" or the "Agreement") among the Company, the Master Servicer
and  ___________,  as  trustee  (the  "Trustee"),  a summary  of  certain of the
pertinent provisions of which is set forth hereafter.  To the extent not defined
herein,  the  capitalized  terms used herein have the  meanings  assigned in the
Agreement.  This  Certificate  is issued  under  and is  subject  to the  terms,
provisions  and conditions of the  Agreement,  to which  Agreement the Holder of
this  Certificate by virtue of the  acceptance  hereof assents and by which such
Holder is bound.

        Pursuant to the terms of the Agreement,  a distribution  will be made on
the 25th day of each  month  or,  if such 25th day is not a  Business  Day,  the
Business Day  immediately  following (the  "Distribution  Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this  Certificate and the amount (of interest
and  principal,  if any)  required to be  distributed  to Holders of Class M-___
Certificates on such Distribution Date.

        Distributions  on this  Certificate  will be made  either by the  Master
Servicer  acting on behalf of the Trustee or by a Paying Agent  appointed by the
Trustee in immediately  available  funds (by wire transfer or otherwise) for the
account of the Person entitled thereto if such Person shall have so notified the
Master  Servicer or such Paying Agent,  or by check mailed to the address of the
Person  entitled  thereto,  as  such  name  and  address  shall  appear  on  the
Certificate Register.

        Notwithstanding  the above,  the final  distribution on this Certificate
will be made after due notice of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trustee for that  purpose in the City and State of New York.  The Initial
Certificate  Principal  Balance  of this  Certificate  is set forth  above.  The
Certificate  Principal  Balance  hereof  will be  reduced  to the  extent of the
distributions allocable to principal and any Realized Losses allocable hereto.

        As described above, any transferee of this Certificate will be deemed to
have  represented by virtue of its purchase or holding of this  Certificate  (or
interest herein) that either (A) such transferee is not a Plan Investor,  (B) it
has acquired and is holding this  Certificate  in reliance on the RFC  Exemption
and that it understands that there are certain conditions to the availability of
the RFC Exemption  including that this Certificate must be rated, at the time of
purchase,  not lower than "BBB-" (or its equivalent) by Standard & Poor's, Fitch
or Moody's or (C) the transferee is a Complying  Insurance Company. In addition,
any purported Certificate Owner whose acquisition or holding of this Certificate
(or interest  herein) was effected in violation of the  restrictions  in Section
5.02(e) of the Agreement  shall  indemnify  and hold  harmless the Company,  the
Trustee,  the  Master  Servicer,  any  Subservicer,  and the Trust Fund from and
against any and all  liabilities,  claims,  costs or  expenses  incurred by such
parties as a result of such acquisition or holding.

        This  Certificate  is one of a duly  authorized  issue  of  Certificates
issued in several Classes  designated as Mortgage  Pass-Through  Certificates of
the Series specified hereon (herein collectively called the "Certificates").

<PAGE>

        The Certificates are limited in right of payment to certain  collections
and recoveries respecting the Mortgage Loans, all as more specifically set forth
herein and in the  Agreement.  In the event Master  Servicer  funds are advanced
with respect to any Mortgage Loan,  such advance is  reimbursable  to the Master
Servicer,  to the extent provided in the Agreement,  from related  recoveries on
such  Mortgage  Loan or from other cash that  would have been  distributable  to
Certificateholders.

        As provided in the  Agreement,  withdrawals  from the Custodial  Account
and/or the Certificate Account created for the benefit of Certificateholders may
be made by the  Master  Servicer  from  time to time  for  purposes  other  than
distributions to Certificateholders,  such purposes including without limitation
reimbursement  to the Company  and the Master  Servicer  of  advances  made,  or
certain expenses incurred, by either of them.

        The Agreement permits,  with certain  exceptions  therein provided,  the
amendment of the Agreement and the modification of the rights and obligations of
the  Company,  the  Master  Servicer  and  the  Trustee  and the  rights  of the
Certificateholders  under the  Agreement at any time by the Company,  the Master
Servicer  and the  Trustee  with the  consent  of the  Holders  of  Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

        As provided in the Agreement and subject to certain  limitations therein
set forth,  the transfer of this  Certificate is registrable in the  Certificate
Register upon surrender of this  Certificate for registration of transfer at the
offices or agencies  appointed by the Trustee in the City and State of New York,
duly  endorsed by, or  accompanied  by an  assignment in the form below or other
written  instrument  of  transfer  in form  satisfactory  to the Trustee and the
Certificate  Registrar  duly  executed  by the  Holder  hereof or such  Holder's
attorney duly authorized in writing,  and thereupon one or more new Certificates
of authorized  denominations  evidencing the same Class and aggregate Percentage
Interest will be issued to the designated transferee or transferees.

        The  Certificates are issuable only as registered  Certificates  without
coupons in Classes and in denominations  specified in the Agreement. As provided
in  the  Agreement  and  subject  to  certain  limitations  therein  set  forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

        No service charge will be made for any such  registration of transfer or
exchange,  but the Trustee may require  payment of a sum sufficient to cover any
tax or other governmental charge payable in connection therewith.

        The  Company,  the Master  Servicer,  the  Trustee  and the  Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered as the owner hereof for all purposes, and neither the

<PAGE>

Company,  the Master Servicer,  the Trustee nor any such agent shall be affected
by notice to the contrary.

        This  Certificate  shall be governed by and construed in accordance with
the laws of the State of New York.

        The obligations  created by the Agreement in respect of the Certificates
and the  Trust  Fund  created  thereby  shall  terminate  upon  the  payment  to
Certificateholders  of all  amounts  held by or on  behalf  of the  Trustee  and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

        Unless the certificate of authentication hereon has been executed by the
Certificate  Registrar,  by  manual  signature,  this  Certificate  shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

        IN WITNESS  WHEREOF,  the trustee has caused this certificate to be duly
executed.

Dated:________________                             [TRUSTEE],
                                                   as Trustee

                                                   By:
                                                      -------------------------
                                                   Authorized Signatory

                                 CERTIFICATE OF AUTHENTICATION

        This  is  one  of  the  Class  [M- ]  Certificates  referred  to in  the
within-mentioned Agreement.

                                                   [TRUSTEE],
                                                   as Certificate Registrar

                                                   By:
                                                      -------------------------
                                                   Authorized Signatory

<PAGE>

                                          ASSIGNMENT

        FOR VALUE  RECEIVED,  the  undersigned  hereby  sell(s),  assign(s)  and
transfer(s)  unto (Please print or typewrite name and address  including  postal
zip code of assignee) a  Percentage  Interest  evidenced by the within  Mortgage
Pass- Through  Certificate and hereby authorizes the transfer of registration of
such interest to assignee on the Certificate Register of the Trust Fund.

        I  (We)  further  direct  the  Certificate  Registrar  to  issue  a  new
Certificate of a like  denomination  and Class,  to the above named assignee and
deliver such Certificate to the following address:

Dated:
      ________________            ____________________________________________
                                   Signature by or on behalf of assignor

                                   ___________________________________________
                                                   Signature Guaranteed

                                   DISTRIBUTION INSTRUCTIONS

        The assignee should include the following for purposes of distribution:

        Distributions  shall  be  made,  by  wire  transfer  or  otherwise,   in
immediately  available  funds  to  _______________________for   the  account  of
__________________  account number  ______________-,  or, if mailed by check, to
____________________________.   Applicable   statements   should  be  mailed  to
________________________.

        This  information  is provided by  _____________________,  the  assignee
named above, or ________________, as its agent.

<PAGE>

                                           EXHIBIT C

                                  FORM OF CLASS B CERTIFICATE

        THIS  CERTIFICATE  IS  SUBORDINATED  IN RIGHT OF  PAYMENT  TO THE SENIOR
CERTIFICATES AND CLASS M CERTIFICATES  [AND CLASS B-1] [CLASS B-2  CERTIFICATES]
DESCRIBED IN THE AGREEMENT (AS DEFINED HEREIN).

        THIS  CERTIFICATE  HAS NOT BEEN AND WILL  NOT BE  REGISTERED  UNDER  THE
SECURITIES ACT OF 1933, AS AMENDED,  OR THE SECURITIES LAWS OF ANY STATE AND MAY
NOT BE RESOLD OR  TRANSFERRED  UNLESS IT IS REGISTERED  PURSUANT TO SUCH ACT AND
LAWS  OR  IS  SOLD  OR  TRANSFERRED  IN  TRANSACTIONS   WHICH  ARE  EXEMPT  FROM
REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN
ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT.

        NO TRANSFER OF THIS  CERTIFICATE  MAY BE MADE TO ANY PERSON,  UNLESS THE
TRANSFEREE  PROVIDES EITHER A  CERTIFICATION  PURSUANT TO SECTION 5.02(E) OF THE
AGREEMENT  OR AN OPINION OF COUNSEL  SATISFACTORY  TO THE MASTER  SERVICER,  THE
COMPANY  AND THE  TRUSTEE  THAT  THE  PURCHASE  OF  THIS  CERTIFICATE  WILL  NOT
CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF
THE EMPLOYEE  RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED  ("ERISA"),  OR
SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE MASTER  SERVICER,  THE COMPANY
OR THE TRUSTEE TO ANY OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN
THE AGREEMENT.

<PAGE>

<TABLE>
<CAPTION>

<S>                                              <C>
Certificate No. [____]                          [____]% Pass-Through Rate
Class [B-___] Subordinate
Date of Pooling and Servicing Agreement and     Principal Balance of the Class B-___
Cut-off Date:                                   Certificates as of the Cut-off Date: $________
[--------------]
First Distribution Date:                        Initial Certificate Principal Balance of this
[______________]                                Certificate:
                                                $[--------------]
Master Servicer:
Residential Funding Corporation
Assumed Final Distribution Date:                CUSIP
[--------------]                                [--------------]
</TABLE>

                              MORTGAGE PASS-THROUGH CERTIFICATE,
                                        SERIES _______

               evidencing a percentage  interest in any distributions  allocable
               to the Class B-___  Certificates  with  respect to the Trust Fund
               consisting   primarily  of  a  pool  of   conventional   one-  to
               four-family  fixed  interest rate first mortgage loans formed and
               sold by RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC.

        This  Certificate  is payable  solely from the assets of the Trust Fund,
and does not  represent  an  obligation  of or interest in  Residential  Funding
Mortgage Securities I, Inc., the Master Servicer,  the Trustee referred to below
or  GMAC  Mortgage  Group,  Inc.  or  any  of  their  affiliates.  Neither  this
Certificate  nor the underlying  Mortgage Loans are guaranteed or insured by any
governmental  agency  or  instrumentality  or by  Residential  Funding  Mortgage
Securities I, Inc.,  the Master  Servicer,  the Trustee or GMAC Mortgage  Group,
Inc. or any of their affiliates.  None of the Company, the Master Servicer, GMAC
Mortgage  Group,  Inc. or any of their  affiliates will have any obligation with
respect to any  certificate  or other  obligation  secured  by or  payable  from
payments on the Certificates.

        This certifies that  _______________________  is the registered owner of
the Percentage Interest evidenced by this Certificate  (obtained by dividing the
Certificate  Principal Balance of this Certificate by the aggregate  Certificate
Principal Balance of all Class B-___  Certificates,  both as specified above) in
certain  distributions  with respect to a Trust Fund  consisting  primarily of a
pool of  conventional  one- to  four-family  fixed  interest rate first mortgage
loans (the "Mortgage  Loans"),  formed and sold by Residential  Funding Mortgage
Securities I, Inc.  (hereinafter  called the "Company,"  which term includes any
successor  entity  under the  Agreement  referred to below).  The Trust Fund was
created  pursuant  to a Series  Supplement,  dated as  specified  above,  to the
Standard

<PAGE>

Terms of Pooling and Servicing Agreement dated as of ________________ (together,
the "Pooling and Servicing Agreement" or the "Agreement") among the Company, the
Master  Servicer  and  ___________,  as trustee  (the  "Trustee"),  a summary of
certain of the  pertinent  provisions  of which is set forth  hereafter.  To the
extent not defined herein,  the capitalized  terms used herein have the meanings
assigned in the  Agreement.  This  Certificate is issued under and is subject to
the terms,  provisions and conditions of the Agreement,  to which  Agreement the
Holder of this  Certificate  by virtue of the  acceptance  hereof assents and by
which such Holder is bound.

        Pursuant to the terms of the Agreement, a distribution will be
made on the 25th day of each month or, if such 25th day is not a  Business  Day,
the Business Day immediately following (the "Distribution Date"),  commencing on
the first  Distribution  Date specified  above, to the Person in whose name this
Certificate  is  registered at the close of business on the last day (or if such
last day is not a Business Day, the Business Day immediately preceding such last
day) of the month next  preceding  the month of such  distribution  (the "Record
Date"), from the Available Distribution Amount in an amount equal to the product
of the  Percentage  Interest  evidenced by this  Certificate  and the amount (of
interest and principal, if any) required to be distributed to Holders of Class B
Certificates on such Distribution Date.

        Distributions  on this  Certificate  will be made  either by the  Master
Servicer  acting on behalf of the Trustee or by a Paying Agent  appointed by the
Trustee in immediately  available  funds (by wire transfer or otherwise) for the
account of the Person entitled thereto if such Person shall have so notified the
Master  Servicer or such Paying Agent,  or by check mailed to the address of the
Person  entitled  thereto,  as  such  name  and  address  shall  appear  on  the
Certificate Register.

        Notwithstanding  the above,  the final  distribution on this Certificate
will be made after due notice of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trustee for that  purpose in the City and State of New York.  The Initial
Certificate  Principal  Balance  of this  Certificate  is set forth  above.  The
Certificate  Principal  Balance  hereof  will be  reduced  to the  extent of the
distributions allocable to principal and any Realized Losses allocable hereto.

        No  transfer  of this  Class B  Certificate  will  be made  unless  such
transfer is exempt from the  registration  requirements of the Securities Act of
1933,  as  amended,  and  any  applicable  state  securities  laws or is made in
accordance  with said Act and laws.  In the event that such a transfer  is to be
made,  (i) the  Trustee  or the  Company  may  require  an  opinion  of  counsel
acceptable  to and in form and  substance  satisfactory  to the  Trustee and the
Company that such transfer is exempt  (describing  the applicable  exemption and
the  basis  therefor)  from  or is  being  made  pursuant  to  the  registration
requirements  of the Securities  Act of 1933, as amended,  and of any applicable
statute of any state and (ii) the transferee shall execute an investment  letter
in the form  described by Section  5.02(e) of the  Agreement.  The Holder hereof
desiring to effect such transfer shall,  and does hereby agree to, indemnify the
Trustee, the Company,  the Master Servicer and the Certificate  Registrar acting
on behalf of the Trustee  against any liability  that may result if the transfer
is not so exempt or is not made in accordance  with such Federal and state laws.
In connection  with any such transfer,  the Trustee will also require either (i)
an opinion of counsel  acceptable to and in form and substance  satisfactory  to
the  Trustee,   the  Company  and  the  Master  Servicer  with  respect  to  the
permissibility  of such transfer under the Employee  Retirement  Income Security
Act of 1974, as amended

<PAGE>

("ERISA"),  and  Section  4975 of the  Internal  Revenue  Code (the  "Code") and
stating,  among other things,  that the  transferee's  acquisition  of a Class B
Certificate will not constitute or result in a non-exempt prohibited transaction
under Section 406 of ERISA or Section 4975 of the Code or (ii) a  representation
letter,  in the form as  described  by the  Agreement,  either  stating that the
transferee  is not an employee  benefit or other plan subject to the  prohibited
transaction  provisions of ERISA or Section 4975 of the Code (a "Plan"),  or any
other person (including an investment manager, a named fiduciary or a trustee of
any Plan)  acting,  directly  or  indirectly,  on behalf  of or  purchasing  any
Certificate with "plan assets" of any Plan, or stating that the transferee is an
insurance  company,  the  source  of  funds  to be  used by it to  purchase  the
Certificate is an "insurance  company  general  account"  (within the meaning of
Department of Labor Prohibited  Transaction Class Exemption ("PTCE") 95-60), and
the purchase is being made in reliance  upon the  availability  of the exemptive
relief afforded under Sections I and III of PTCE 95-60.

        This  Certificate  is one of a duly  authorized  issue  of  Certificates
issued in several Classes  designated as Mortgage  Pass-Through  Certificates of
the Series specified hereon (herein collectively called the "Certificates").

        The Certificates are limited in right of payment to certain  collections
and recoveries respecting the Mortgage Loans, all as more specifically set forth
herein and in the  Agreement.  In the event Master  Servicer  funds are advanced
with respect to any Mortgage Loan,  such advance is  reimbursable  to the Master
Servicer,  to the extent provided in the Agreement,  from related  recoveries on
such  Mortgage  Loan or from other cash that  would have been  distributable  to
Certificateholders.

        As provided in the  Agreement,  withdrawals  from the Custodial  Account
and/or the Certificate Account created for the benefit of Certificateholders may
be made by the  Master  Servicer  from  time to time  for  purposes  other  than
distributions to Certificateholders,  such purposes including without limitation
reimbursement  to the Company  and the Master  Servicer  of  advances  made,  or
certain expenses incurred, by either of them.

        The Agreement permits,  with certain  exceptions  therein provided,  the
amendment of the Agreement and the modification of the rights and obligations of
the  Company,  the  Master  Servicer  and  the  Trustee  and the  rights  of the
Certificateholders  under the  Agreement at any time by the Company,  the Master
Servicer  and the  Trustee  with the  consent  of the  Holders  of  Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

        As provided in the Agreement and subject to certain  limitations therein
set forth,  the transfer of this  Certificate is registrable in the  Certificate
Register upon surrender of this  Certificate for registration of transfer at the
offices or agencies  appointed by the Trustee in the City and State of New York,
duly  endorsed by, or  accompanied  by an  assignment in the form below or other
written  instrument  of  transfer  in form  satisfactory  to the Trustee and the
Certificate Registrar duly executed

<PAGE>

by the Holder hereof or such Holder's  attorney duly authorized in writing,  and
thereupon one or more new  Certificates of authorized  denominations  evidencing
the  same  Class  and  aggregate  Percentage  Interest  will  be  issued  to the
designated transferee or transferees.

        The  Certificates are issuable only as registered  Certificates  without
coupons in Classes and in denominations  specified in the Agreement. As provided
in  the  Agreement  and  subject  to  certain  limitations  therein  set  forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same Class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

        No service charge will be made for any such  registration of transfer or
exchange,  but the Trustee may require  payment of a sum sufficient to cover any
tax or other governmental charge payable in connection therewith.

        The  Company,  the Master  Servicer,  the  Trustee  and the  Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.

        This  Certificate  shall be governed by and construed in accordance with
the laws of the State of New York.

        The obligations  created by the Agreement in respect of the Certificates
and the  Trust  Fund  created  thereby  shall  terminate  upon  the  payment  to
Certificateholders  of all  amounts  held by or on  behalf  of the  Trustee  and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

        Unless the certificate of authentication hereon has been executed by the
Certificate  Registrar,  by  manual  signature,  this  Certificate  shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

        IN WITNESS  WHEREOF,  the trustee has caused this certificate to be duly
executed.

Dated:________________                             [TRUSTEE],
                                                   as Trustee

                                                   By:
                                                      ------------------------
                                                   Authorized Signatory

                                 CERTIFICATE OF AUTHENTICATION

        This  is  one  of  the  Class  B-___  Certificates  referred  to in  the
within-mentioned Agreement.

                                                   [TRUSTEE],
                                                   as Certificate Registrar

                                                   By:
                                                      ------------------------
                                                   Authorized Signatory

<PAGE>

Dated:
      ________________            ____________________________________________
                                   Signature by or on behalf of assignor

                                   ___________________________________________
                                                   Signature Guaranteed

                                   DISTRIBUTION INSTRUCTIONS

        The assignee should include the following for purposes of distribution:

        Distributions  shall  be  made,  by  wire  transfer  or  otherwise,   in
immediately  available  funds  to  _______________________for   the  account  of
__________________  account number  ______________-,  or, if mailed by check, to
____________________________.   Applicable   statements   should  be  mailed  to
________________________.

        This  information  is provided by  _____________________,  the  assignee
named above, or ________________, as its agent.

<PAGE>

                                          EXHIBIT D

                                 FORM OF CLASS R CERTIFICATE

        THIS  CERTIFICATE  MAY NOT BE HELD BY OR  TRANSFERRED  TO A NON-  UNITED
STATES PERSON OR A DISQUALIFIED ORGANIZATION (AS DEFINED BELOW).

        SOLELY FOR U.S.  FEDERAL  INCOME TAX  PURPOSES,  THIS  CERTIFICATE  IS A
"RESIDUAL  INTEREST" IN A "REAL  ESTATE  MORTGAGE  INVESTMENT  CONDUIT" AS THOSE
TERMS ARE  DEFINED,  RESPECTIVELY,  IN  SECTIONS  860G AND 860D OF THE  INTERNAL
REVENUE CODE OF 1986 (THE "CODE").

        NO TRANSFER OF THIS  CERTIFICATE  MAY BE MADE TO ANY PERSON,  UNLESS THE
TRANSFEREE  PROVIDES EITHER A  CERTIFICATION  PURSUANT TO SECTION 5.02(E) OF THE
AGREEMENT  OR AN OPINION OF COUNSEL  SATISFACTORY  TO THE MASTER  SERVICER,  THE
COMPANY  AND THE  TRUSTEE  THAT  THE  PURCHASE  OF  THIS  CERTIFICATE  WILL  NOT
CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF
THE EMPLOYEE  RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED  ("ERISA"),  OR
SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE MASTER  SERVICER,  THE COMPANY
OR THE TRUSTEE TO ANY OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN
THE AGREEMENT.

        ANY RESALE,  TRANSFER OR OTHER  DISPOSITION OF THIS  CERTIFICATE  MAY BE
MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER
SERVICER AND THE TRUSTEE THAT (1) SUCH  TRANSFEREE IS NOT (A) THE UNITED STATES,
ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY POSSESSION OF THE UNITED STATES,
OR  ANY  AGENCY  OR  INSTRUMENTALITY  OF ANY OF THE  FOREGOING  (OTHER  THAN  AN
INSTRUMENTALITY  WHICH IS A CORPORATION  IF ALL OF ITS ACTIVITIES ARE SUBJECT TO
TAX AND EXCEPT FOR  FREDDIE  MAC, A MAJORITY  OF ITS BOARD OF  DIRECTORS  IS NOT
SELECTED BY SUCH GOVERNMENTAL UNIT), (B) A FOREIGN GOVERNMENT, ANY INTERNATIONAL
ORGANIZATION,  OR ANY AGENCY OR INSTRUMENTALITY OF EITHER OF THE FOREGOING,  (C)
ANY ORGANIZATION (OTHER THAN CERTAIN FARMERS' COOPERATIVES  DESCRIBED IN SECTION
521 OF THE CODE)  WHICH IS EXEMPT  FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE
UNLESS  SUCH  ORGANIZATION  IS SUBJECT TO THE TAX  IMPOSED BY SECTION 511 OF THE
CODE (INCLUDING THE TAX IMPOSED BY SECTION 511 OF THE CODE ON UNRELATED BUSINESS
TAXABLE  INCOME),  (D) RURAL  ELECTRIC AND TELEPHONE  COOPERATIVES  DESCRIBED IN
SECTION  1381(A)(2)(C)  OF THE CODE,  (E) AN ELECTING  LARGE  PARTNERSHIP  UNDER
SECTION 775(A) OF THE CODE (ANY SUCH PERSON  DESCRIBED IN THE FOREGOING  CLAUSES
(A),  (B),  (C),  (D)  OR  (E)  BEING  HEREIN  REFERRED  TO  AS A  "DISQUALIFIED
ORGANIZATION"),  OR (F) AN AGENT OF A DISQUALIFIED ORGANIZATION,  (2) NO PURPOSE
OF SUCH  TRANSFER IS TO IMPEDE THE  ASSESSMENT OR COLLECTION OF TAX AND (3) SUCH
TRANSFEREE  SATISFIES CERTAIN  ADDITIONAL  CONDITIONS  RELATING TO THE FINANCIAL
CONDITION OF THE PROPOSED TRANSFEREE.

<PAGE>

NOTWITHSTANDING  THE  REGISTRATION IN THE CERTIFICATE  REGISTER OR ANY TRANSFER,
SALE OR OTHER DISPOSITION OF THIS CERTIFICATE TO A DISQUALIFIED  ORGANIZATION OR
AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE
OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE
A CERTIFICATEHOLDER  FOR ANY PURPOSE HEREUNDER,  INCLUDING,  BUT NOT LIMITED TO,
THE  RECEIPT  OF  DISTRIBUTIONS  ON  THIS  CERTIFICATE.   EACH  HOLDER  OF  THIS
CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE  SHALL BE DEEMED TO HAVE CONSENTED
TO THE PROVISIONS OF THIS PARAGRAPH.

<PAGE>

<TABLE>
<CAPTION>

<S>                                             <C>
Certificate No. [____]                          [____]% Pass-Through Rate
Class [R-___] Senior
Date of Pooling and Servicing Agreement and     Aggregate Initial Certificate Principal Balance
Cut-off Date:                                   of the Class R-___ Certificates: $100.00
[--------------]
First Distribution Date:                        Initial Certificate Principal Balance of this
[______________]                                Certificate:
                                                $[--------------]
Master Servicer:                                Percentage Interest: _____%
Residential Funding Corporation
Assumed Final Distribution Date:                CUSIP
[--------------]                                [--------------]

</TABLE>

                              MORTGAGE PASS-THROUGH CERTIFICATE,
                                        SERIES _______

               evidencing a percentage  interest in any distributions  allocable
               to the Class R[-__]  Certificates  with respect to the Trust Fund
               consisting   primarily  of  a  pool  of   conventional   one-  to
               four-family  fixed  interest rate first mortgage loans formed and
               sold by RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC.

        This  Certificate  is payable  solely from the assets of the Trust Fund,
and does not  represent  an  obligation  of or interest in  Residential  Funding
Mortgage Securities I, Inc., the Master Servicer,  the Trustee referred to below
or  GMAC  Mortgage  Group,  Inc.  or  any  of  their  affiliates.  Neither  this
Certificate  nor the underlying  Mortgage Loans are guaranteed or insured by any
governmental  agency  or  instrumentality  or by  Residential  Funding  Mortgage
Securities I, Inc.,  the Master  Servicer,  the Trustee or GMAC Mortgage  Group,
Inc. or any of their affiliates.  None of the Company, the Master Servicer, GMAC
Mortgage  Group,  Inc. or any of their  affiliates will have any obligation with
respect to any  certificate  or other  obligation  secured  by or  payable  from
payments on the Certificates.

        This certifies that is the registered  owner of the Percentage  Interest
evidenced by this  Certificate  (obtained  by dividing  the Initial  Certificate
Principal  Balance of this  Certificate  by the  aggregate  Initial  Certificate
Principal Balance of all Class R[-__] Certificates,  both as specified above) in
certain  distributions with respect to the Trust Fund consisting  primarily of a
pool of  conventional  one- to  four-family  fixed  interest rate first mortgage
loans (the "Mortgage  Loans"),  formed and sold by Residential  Funding Mortgage
Securities I, Inc.  (hereinafter  called the "Company,"  which term includes any
successor  entity  under the  Agreement  referred to below).  The Trust Fund was
created  pursuant  to a Series  Supplement,  dated as  specified  above,  to the
Standard

<PAGE>

Terms of Pooling and Servicing Agreement dated as of ________________ (together,
the "Pooling and Servicing Agreement" or the "Agreement") among the Company, the
Master  Servicer  and  ___________,  as trustee  (the  "Trustee"),  a summary of
certain of the  pertinent  provisions  of which is set forth  hereafter.  To the
extent not defined herein,  the capitalized  terms used herein have the meanings
assigned in the  Agreement.  This  Certificate is issued under and is subject to
the terms,  provisions and conditions of the Agreement,  to which  Agreement the
Holder of this  Certificate  by virtue of the  acceptance  hereof assents and by
which such Holder is bound.

        Pursuant to the terms of the Agreement,  a distribution  will be made on
the 25th day of each  month  or,  if such 25th day is not a  Business  Day,  the
Business Day  immediately  following (the  "Distribution  Date"),  commencing as
described  in the  Agreement,  to the Person in whose name this  Certificate  is
registered  at the close of business on the last day (or if such last day is not
a Business  Day, the Business Day  immediately  preceding  such last day) of the
month immediately  preceding the month of such distribution (the "Record Date"),
from the Available  Distribution Amount in an amount equal to the product of the
Percentage  Interest  evidenced by this  Certificate and the amount (of interest
and  principal,  if any)  required  to be  distributed  to  Holders  of  Class R
Certificates on such Distribution Date.

        Each  Holder of this  Certificate  will be  deemed to have  agreed to be
bound by the restrictions set forth in the Agreement to the effect that (i) each
person holding or acquiring any Ownership Interest in this Certificate must be a
United  States  Person and a  Permitted  Transferee,  (ii) the  transfer  of any
Ownership  Interest in this Certificate will be conditioned upon the delivery to
the Trustee of,  among other  things,  an  affidavit  to the effect that it is a
United States Person and Permitted Transferee,  (iii) any attempted or purported
transfer of any  Ownership  Interest in this  Certificate  in  violation of such
restrictions  will be  absolutely  null and void and will  vest no rights in the
purported  transferee,  and (iv) if any person other than a United States Person
and a Permitted  Transferee  acquires any Ownership Interest in this Certificate
in violation of such restrictions,  then the Company will have the right, in its
sole  discretion and without notice to the Holder of this  Certificate,  to sell
this Certificate to a purchaser selected by the Company,  which purchaser may be
the Company,  or any affiliate of the Company,  on such terms and  conditions as
the Company may choose.

        Notwithstanding  the above,  the final  distribution on this Certificate
will be made after due notice of the pendency of such distribution and only upon
presentation and surrender of this Certificate at the office or agency appointed
by the Trustee for that  purpose in the City and State of New York.  The Initial
Certificate  Principal  Balance  of this  Certificate  is set forth  above.  The
Certificate   Principal  Balance  hereof  will  be  reduced  to  the  extent  of
distributions  allocable to principal and any Realized Losses allocable  hereto.
Notwithstanding  the reduction of the  Certificate  Principal  Balance hereof to
zero,  this  Certificate  will remain  outstanding  under the  Agreement and the
Holder hereof may have additional  obligations with respect to this Certificate,
including  tax   liabilities,   and  may  be  entitled  to  certain   additional
distributions  hereon,  in  accordance  with the  terms  and  provisions  of the
Agreement.

        No transfer  of this Class  R[-__]  Certificate  will be made unless the
Trustee has received either (i) an opinion of counsel  acceptable to and in form
and substance  satisfactory to the Trustee,  the Company and the Master Servicer
with  respect  to  the  permissibility  of  such  transfer  under  the  Employee
Retirement Income Security Act of 1974, as amended  ("ERISA"),  and Section 4975
of

<PAGE>

the Internal Revenue Code (the "Code") and stating, among other things, that the
transferee's  acquisition of a Class R Certificate will not constitute or result
in a non-exempt  prohibited  transaction  under  Section 406 of ERISA or Section
4975 of the Code or (ii) a  representation  letter,  in the form as described by
the Agreement,  stating that the transferee is not an employee  benefit or other
plan subject to the prohibited  transaction  provisions of ERISA or Section 4975
of the Code (a "Plan"),  or any other person (including an investment manager, a
named  fiduciary or a trustee of any Plan) acting,  directly or  indirectly,  on
behalf of or purchasing any Certificate with "plan assets" of any Plan.

        This  Certificate  is one of a duly  authorized  issue  of  Certificates
issued in several Classes  designated as Mortgage  Pass-Through  Certificates of
the Series specified hereon (herein collectively called the "Certificates").

        The Certificates are limited in right of payment to certain  collections
and recoveries respecting the Mortgage Loans, all as more specifically set forth
herein and in the  Agreement.  In the event Master  Servicer  funds are advanced
with respect to any Mortgage Loan,  such advance is  reimbursable  to the Master
Servicer,  to the extent provided in the Agreement,  from related  recoveries on
such  Mortgage  Loan or from other cash that  would have been  distributable  to
Certificateholders.

        As provided in the  Agreement,  withdrawals  from the Custodial  Account
and/or the Certificate Account created for the benefit of Certificateholders may
be made by the  Master  Servicer  from  time to time  for  purposes  other  than
distributions to Certificateholders,  such purposes including without limitation
reimbursement  to the Company  and the Master  Servicer  of  advances  made,  or
certain expenses incurred, by either of them.

        The Agreement permits,  with certain  exceptions  therein provided,  the
amendment of the Agreement and the modification of the rights and obligations of
the  Company,  the  Master  Servicer  and  the  Trustee  and the  rights  of the
Certificateholders  under the  Agreement at any time by the Company,  the Master
Servicer  and the  Trustee  with the  consent  of the  Holders  of  Certificates
evidencing  in the aggregate  not less than 66% of the  Percentage  Interests of
each Class of Certificates  affected thereby.  Any such consent by the Holder of
this  Certificate  shall be  conclusive  and binding on such Holder and upon all
future  holders  of this  Certificate  and of any  Certificate  issued  upon the
transfer hereof or in exchange herefor or in lieu hereof whether or not notation
of such consent is made upon the  Certificate.  The  Agreement  also permits the
amendment thereof in certain circumstances without the consent of the Holders of
any of the Certificates and, in certain  additional  circumstances,  without the
consent of the Holders of certain Classes of Certificates.

        As provided in the Agreement and subject to certain  limitations therein
set forth,  the transfer of this  Certificate is registrable in the  Certificate
Register upon surrender of this  Certificate for registration of transfer at the
offices or agencies  appointed by the Trustee in the City and State of New York,
duly  endorsed by, or  accompanied  by an  assignment in the form below or other
written  instrument  of  transfer  in form  satisfactory  to the Trustee and the
Certificate  Registrar  duly  executed  by the  Holder  hereof or such  Holder's
attorney duly authorized in writing,  and thereupon one or more new Certificates
of authorized  denominations  evidencing the same Class and aggregate Percentage
Interest will be issued to the designated transferee or transferees.

<PAGE>

        The  Certificates are issuable only as registered  Certificates  without
coupons in Classes and in denominations  specified in the Agreement. As provided
in  the  Agreement  and  subject  to  certain  limitations  therein  set  forth,
Certificates are  exchangeable for new Certificates of authorized  denominations
evidencing the same class and aggregate Percentage Interest, as requested by the
Holder surrendering the same.

        No service charge will be made for any such  registration of transfer or
exchange,  but the Trustee may require  payment of a sum sufficient to cover any
tax or other governmental charge payable in connection therewith.

        The  Company,  the Master  Servicer,  the  Trustee  and the  Certificate
Registrar and any agent of the Company, the Master Servicer,  the Trustee or the
Certificate  Registrar  may treat the Person in whose name this  Certificate  is
registered  as the owner hereof for all purposes,  and neither the Company,  the
Master  Servicer,  the Trustee nor any such agent shall be affected by notice to
the contrary.

        This  Certificate  shall be governed by and construed in accordance with
the laws of the State of New York.

        The obligations  created by the Agreement in respect of the Certificates
and the  Trust  Fund  created  thereby  shall  terminate  upon  the  payment  to
Certificateholders  of all  amounts  held by or on  behalf  of the  Trustee  and
required to be paid to them pursuant to the  Agreement  following the earlier of
(i) the maturity or other  liquidation of the last Mortgage Loan subject thereto
or the disposition of all property  acquired upon foreclosure or deed in lieu of
foreclosure  of any Mortgage  Loan and (ii) the purchase by the Master  Servicer
from the Trust Fund of all remaining Mortgage Loans and all property acquired in
respect of such  Mortgage  Loans,  thereby  effecting  early  retirement  of the
Certificates.  The Agreement permits,  but does not require, the Master Servicer
to (i) purchase at a price determined as provided in the Agreement all remaining
Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii)
purchase in whole,  but not in part,  all of the  Certificates  from the Holders
thereof; provided, that any such option may only be exercised if the Pool Stated
Principal  Balance of the Mortgage Loans as of the Distribution  Date upon which
the proceeds of any such  purchase are  distributed  is less than ten percent of
the Cut-off Date Principal Balance of the Mortgage Loans.

        Reference is hereby made to the further  provisions of this  Certificate
set forth on the reverse hereof,  which further provisions shall for all purpose
have the same effect as if set forth at this place.

        Unless the certificate of authentication hereon has been executed by the
Certificate  Registrar,  by  manual  signature,  this  Certificate  shall not be
entitled to any benefit under the Agreement or be valid for any purpose.

<PAGE>

        IN WITNESS  WHEREOF,  the trustee has caused this certificate to be duly
executed.

Dated:________________                             [TRUSTEE],
                                                   as Trustee

                                                   By:
                                                      -------------------------
                                                   Authorized Signatory

                                 CERTIFICATE OF AUTHENTICATION

        This  is  one  of  the  Class  [R- ]  Certificates  referred  to in  the
within-mentioned Agreement.

                                                   [TRUSTEE],
                                                   as Certificate Registrar

                                                   By:
                                                      -------------------------
                                                   Authorized Signatory

<PAGE>

Dated:
      ________________            ____________________________________________
                                   Signature by or on behalf of assignor

                                   ___________________________________________
                                                   Signature Guaranteed

                                   DISTRIBUTION INSTRUCTIONS

        The assignee should include the following for purposes of distribution:

        Distributions  shall  be  made,  by  wire  transfer  or  otherwise,   in
immediately  available  funds  to  _______________________for   the  account  of
__________________  account number  ______________-,  or, if mailed by check, to
____________________________.   Applicable   statements   should  be  mailed  to
________________________.

        This  information  is provided by  _____________________,  the  assignee
named above, or ________________, as its agent.

<PAGE>

                                          EXHIBIT E

                               FORM OF SELLER/SERVICER CONTRACT

        This  Seller/Servicer  Contract  (as  may be  amended,  supplemented  or
otherwise  modified from time to time, this "Contract") is made this day of , 20
, by and between  Residential  Funding  Corporation,  its successors and assigns
("Residential   Funding")  and  (the   "Seller/Servicer,"   and,  together  with
Residential Funding, the "parties" and each, individually, a "party").

        WHEREAS,  the  Seller/Servicer  desires to sell Loans to, and/or service
Loans for,  Residential  Funding,  and  Residential  Funding desires to purchase
Loans from the Seller/Servicer  and/or have the Seller/Servicer  service various
of its Loans, pursuant to the terms of this Contract and the Residential Funding
Seller  and  Servicer  Guides  incorporated  herein by  reference,  as  amended,
supplemented or otherwise modified, from time to time (together, the "Guides").

        NOW,  THEREFORE,  in  consideration  of the  premises,  and  the  terms,
conditions and agreements set forth below, the parties agree as follows:

1.      INCORPORATION OF GUIDES BY REFERENCE.

        The  Seller/Servicer  acknowledges  that it has  received  and  read the
Guides. All provisions of the Guides are incorporated by reference into and made
a part of this  Contract,  and  shall be  binding  upon the  parties;  provided,
however,  that the  Seller/Servicer  shall be  entitled  to sell Loans to and/or
service Loans for  Residential  Funding only if and for so long as it shall have
been authorized to do so by Residential  Funding in writing.  Specific reference
in this  Contract  to  particular  provisions  of the  Guides  and not to  other
provisions  does not mean that those  provisions of the Guides not  specifically
cited in this Contract are not applicable.  All terms used herein shall have the
same  meanings  as such terms have in the  Guides,  unless the  context  clearly
requires otherwise.

2.      AMENDMENTS.

        This Contract may not be amended or modified orally, and no provision of
this  Contract  may be waived or amended  except in writing  signed by the party
against whom  enforcement  is sought.  Such a written  waiver or amendment  must
expressly  reference this Contract.  However,  by their terms, the Guides may be
amended or  supplemented  by  Residential  Funding  from time to time.  Any such
amendment(s) to the Guides shall be binding upon the parties hereto.

3.      REPRESENTATIONS AND WARRANTIES.

        a.     Reciprocal Representations and Warranties.

        The Seller/Servicer and Residential Funding each represents and warrants
to the other that as of the date of this Contract:

<PAGE>

               (1)    Each party is duly  organized,  validly  existing,  and in
                      good  standing  under  the  laws  of its  jurisdiction  of
                      organization,  is qualified,  if necessary, to do business
                      and in good standing in each  jurisdiction  in which it is
                      required to be so qualified,  and has the requisite  power
                      and  authority  to enter into this  Contract and all other
                      agreements  which are contemplated by this Contract and to
                      carry out its  obligations  hereunder and under the Guides
                      and under such other agreements.

               (2)    This  Contract  has been  duly  authorized,  executed  and
                      delivered  by each  party  and  constitutes  a  valid  and
                      legally  binding  agreement of each party  enforceable  in
                      accordance with its terms.

               (3)    There is no action, proceeding or investigation pending or
                      threatened,  and no basis  therefor  is  known  to  either
                      party,  that could  affect  the  validity  or  prospective
                      validity of this Contract.

               (4)    Insofar as its capacity to carry out any obligation  under
                      this Contract is concerned,  neither party is in violation
                      of  any  charter,   articles  of  incorporation,   bylaws,
                      mortgage, indenture, indebtedness,  agreement, instrument,
                      judgment,  decree,  order, statute, rule or regulation and
                      none of the  foregoing  adversely  affects its capacity to
                      fulfill any of its  obligations  under this Contract.  Its
                      execution of, and  performance  pursuant to, this Contract
                      will not result in a violation of any of the foregoing.

        b.     Seller/Servicer's Representations, Warranties and Covenants.

               In addition to the representations, warranties and covenants made
               by the  Seller/Servicer  pursuant  to  subparagraph  (a) of  this
               paragraph  3,  the  Seller/Servicer  makes  the  representations,
               warranties  and  covenants  set  forth in the  Guides  and,  upon
               request,  agrees to deliver to Residential  Funding the certified
               Resolution of Board of Directors  which  authorizes the execution
               and delivery of this Contract.

4.      REMEDIES OF RESIDENTIAL FUNDING.

        If an Event of Seller  Default  or an Event of  Servicer  Default  shall
occur,  Residential  Funding  may, at its option,  exercise one or more of those
remedies set forth in the Guides.

5.      SELLER/SERVICER'S STATUS AS INDEPENDENT CONTRACTOR.

        At no time shall the  Seller/Servicer  represent that it is acting as an
agent of Residential Funding. The Seller/Servicer shall, at all times, act as an
independent contractor.

<PAGE>

6.      PRIOR AGREEMENTS SUPERSEDED.

        This Contract  restates,  amends and supersedes any and all prior Seller
Contracts or Servicer Contracts between the parties except that any subservicing
agreement  executed by the  Seller/Servicer in connection with any loan-security
exchange transaction shall not be affected.

7.      ASSIGNMENT.

        This Contract may not be assigned or  transferred,  in whole or in part,
by the Seller/Servicer without the prior written consent of Residential Funding.
Residential  Funding may sell,  assign,  convey,  hypothecate,  pledge or in any
other way transfer,  in whole or in part, without restriction,  its rights under
this Contract and the Guides with respect to any Commitment or Loan.

8.      NOTICES.

        All notices,  requests,  demands or other  communications that are to be
given under this  Contract  shall be in writing,  addressed  to the  appropriate
parties and sent by  telefacsimile  or by overnight  courier or by United States
mail,  postage prepaid,  to the addresses and  telefacsimile  numbers  specified
below.  However,  another  name,  address  and/or  telefacsimile  number  may be
substituted  by  the  Seller/Servicer  pursuant  to  the  requirements  of  this
paragraph 8, or Residential Funding pursuant to an amendment to the Guides.

If to Residential  Funding,  notices must be sent to the appropriate  address or
telefacsimile number specified in the Guides.

If to the Seller/Servicer, notice must be sent to:

        Attention:
        Telefacsimile Number: (_____) _____-_________

9.      JURISDICTION AND VENUE.

        Each of the parties irrevocably submits to the jurisdiction of any state
or federal court located in Hennepin County, Minnesota, over any action, suit or
proceeding  to enforce or defend any right  under  this  Contract  or  otherwise
arising from any loan sale or servicing relationship existing in connection with
this  Contract,  and each of the parties  irrevocably  agrees that all claims in
respect of any such  action or  proceeding  may be heard or  determined  in such
state or federal court. Each of the parties irrevocably waives the defense of an
inconvenient  forum to the  maintenance of any such action or proceeding and any
other  substantive or procedural  rights or remedies it may have with respect to
the maintenance of any such action or proceeding in any such forum.  Each of the
parties agrees that a final  judgment in any such action or proceeding  shall be
conclusive and may be

<PAGE>

enforced  in any  other  jurisdiction  by suit on the  judgment  or in any other
manner  provided by law. Each of the parties further agrees not to institute any
legal actions or proceedings  against the other party or any director,  officer,
employee,  attorney,  agent or  property of the other  party,  arising out of or
relating to this  Contract in any court other than as  hereinabove  specified in
this paragraph 9.

10.     MISCELLANEOUS.

        This Contract, including all documents incorporated by reference herein,
constitutes the entire  understanding  between the parties hereto and supersedes
all other agreements, covenants, representations, warranties, understandings and
communications between the parties, whether written or oral, with respect to the
transactions  contemplated by this Contract.  All paragraph  headings  contained
herein  are for  convenience  only and  shall not be  construed  as part of this
Contract.  Any provision of this Contract that is prohibited or unenforceable in
any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of
such prohibition or unenforceability without invalidating the remaining portions
hereof or affecting  the  validity or  enforceability  of such  provision in any
other jurisdiction,  and, to this end, the provisions hereof are severable. This
Contract  shall be governed by, and construed  and enforced in accordance  with,
applicable federal laws and the laws of the State of Minnesota.

<PAGE>

        IN WITNESS WHEREOF,  the duly authorized officers of the Seller/Servicer
and Residential  Funding have executed this  Seller/Servicer  Contract as of the
date first above written.

ATTEST:                                      SELLER/SERVICER
[Corporate Seal]

                                             (Name of Seller/Servicer)
By:                                          By:
   ---------------------------------
             (Signature)                                         (Signature)
By:                                          By:
   ---------------------------------
            (Typed Name)                                        (Typed Name)
Title:                                       Title:
      ------------------------------

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

ATTEST:                                      RESIDENTIAL FUNDING CORPORATION
[Corporate Seal]
By:                                          By:
   ---------------------------------
             (Signature)                                         (Signature)
By:                                          By:
   ---------------------------------
            (Typed Name)                                        (Typed Name)
Title:                                       Title:
      ------------------------------               ----------------------------

<PAGE>

                                    EXHIBIT F

                          FORMS OF REQUEST FOR RELEASE

DATE:
TO:
RE:            REQUEST FOR RELEASE OF DOCUMENTS

In connection with the  administration of the pool of Mortgage Loans held by you
for the  referenced  pool,  we request  the  release of the  Mortgage  Loan File
described below.

Series Supplement, to the Standard Terms of Pooling and Servicing Agreement,
Dated:
Series#:
Account#:
Pool#:
Loan#:
Borrower Name(s):

Reason for Document Request: (circle one)

        Mortgage Loan Prepaid in Full       Mortgage Loan Repurchased

"We hereby  certify  that all amounts  received or to be received in  connection
with such  payments  which are required to be deposited  have been or will be so
deposited as provided in the Pooling and Servicing Agreement."

Residential Funding Corporation
Authorized Signature
******************************************************************************
TO  CUSTODIAN/TRUSTEE:  Please acknowledge this request, and check off documents
being  enclosed  with a copy of this form.  You should retain this form for your
files in accordance with the terms of the Pooling and Servicing Agreement.

Enclosed Documents:   [ ] Promissory Note
                      [ ] Primary Insurance Policy
                      [ ] Mortgage or Deed of Trust
                      [ ] Assignment(s) of Mortgage or Deed of Trust
                      [ ] Title Insurance Policy
                      [ ] Other:

Name:
Title:
Date:

<PAGE>

                                         EXHIBIT G-1

                           FORM OF TRANSFER AFFIDAVIT AND AGREEMENT

STATE OF              )
                      ) ss.:
COUNTY OF             )

                 [NAME OF OFFICER], being first duly sworn, deposes and says:

        1.  That he is  [Title  of  Officer]  of  [Name  of  Owner]  (record  or
beneficial  owner of the Mortgage  Pass-Through  Certificates,  Series  _______,
Class  R[-__]  (the  "Owner")),  a  [savings  institution]   [corporation]  duly
organized and existing under the laws of [the State of ] [the United States], on
behalf of which he makes this affidavit and agreement.

        2.  That  the  Owner  (i)  is  not  and  will  not  be  a  "disqualified
organization"  or an electing large  partnership as of [date of transfer] within
the  meaning of  Sections  860E(e)(5)  and 775,  respectively,  of the  Internal
Revenue Code of 1986, as amended (the "Code") or an electing  large  partnership
under  Section  775(a) of the Code,  (ii) will  endeavor to remain  other than a
disqualified  organization  for so long as it retains its ownership  interest in
the  Class  R[-__]  Certificates,  and  (iii)  is  acquiring  the  Class  R[-__]
Certificates  for its own account or for the account of another Owner from which
it has received an affidavit  and  agreement in  substantially  the same form as
this affidavit and agreement.  (For this purpose, a "disqualified  organization"
means an electing  large  partnership  under Section 775 of the Code, the United
States,   any  state  or   political   subdivision   thereof,   any   agency  or
instrumentality  of any of the foregoing (other than an  instrumentality  all of
the activities of which are subject to tax and, except for the Federal Home Loan
Mortgage Corporation,  a majority of whose board of directors is not selected by
any  such  governmental   entity)  or  any  foreign  government,   international
organization  or any agency or  instrumentality  of such foreign  government  or
organization,  any rural electric or telephone cooperative,  or any organization
(other than certain farmers' cooperatives) that is generally exempt from federal
income tax unless such organization is subject to the tax on unrelated  business
taxable income).

        3.  That the  Owner is aware  (i) of the tax that  would be  imposed  on
transfers of Class R[-__] Certificates to disqualified organizations or electing
large  partnerships,  under the Code,  that  applies to all  transfers  of Class
R[-__]  Certificates  after March 31,  1988;  (ii) that such tax would be on the
transferor  (or, with respect to transfers to electing  large  partnerships,  on
each such  partnership),  or, if such transfer is through an agent (which person
includes a broker, nominee or middleman) for a disqualified organization, on the
agent;  (iii) that the person  (other than with respect to transfers to electing
large partnerships)  otherwise liable for the tax shall be relieved of liability
for the tax if the  transferee  furnishes to such person an  affidavit  that the
transferee is not a disqualified organization and, at the time of transfer, such
person does not have actual knowledge that the affidavit is false; and (iv) that
the Class R[-__] Certificates may be "noneconomic residual interests" within the
meaning of Treasury  regulations  promulgated  pursuant to the Code and that the
transferor of a noneconomic  residual  interest will remain liable for any taxes
due with respect to the income on such residual interest,  unless no significant
purpose of the transfer was to impede the assessment or collection of tax.

<PAGE>

        4. That the Owner is aware of the tax imposed on a "pass-through entity"
holding  Class  R[-__]  Certificates  if either  the  pass-through  entity is an
electing  large  partnership  under  Section  775 of the  Code or if at any time
during the taxable year of the pass-through  entity a disqualified  organization
is the record holder of an interest in such entity.  (For this purpose,  a "pass
through  entity"  includes  a  regulated   investment  company,  a  real  estate
investment  trust or common  trust fund,  a  partnership,  trust or estate,  and
certain cooperatives.)

        5.  The  Owner  is 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 or any political  subdivision  thereof (except in the
case of a partnership,  to the extent provided in Treasury  regulations),  or an
estate that is described in Section  7701(a)(30)(D) of the Code, or a trust that
is described in Section 7701(a)(30)(E) of the Code.

        6.  That the  Owner is aware  that the  Trustee  will not  register  the
transfer  of any  Class  R[- __]  Certificates  unless  the  transferee,  or the
transferee's  agent,  delivers to it an  affidavit  and  agreement,  among other
things,  in  substantially  the same form as this affidavit and  agreement.  The
Owner expressly agrees that it will not consummate any such transfer if it knows
or believes  that any of the  representations  contained in such  affidavit  and
agreement are false.

        7. That the Owner has reviewed the restrictions set forth on the face of
the Class  R[-__]  Certificates  and the  provisions  of Section  5.02(f) of the
Pooling and Servicing  Agreement under which the Class R[-__]  Certificates were
issued (in  particular,  clause  (iii)(A) and (iii)(B) of Section  5.02(f) which
authorize  the Trustee to deliver  payments to a person other than the Owner and
negotiate  a  mandatory  sale by the  Trustee in the event the Owner  holds such
Certificates in violation of Section 5.02(f)).  The Owner expressly agrees to be
bound by and to comply with such restrictions and provisions.

        8.  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.

        9.     The Owner's Taxpayer Identification Number is ________________.

        10.  This  affidavit  and  agreement  relates  only to the Class  R[-__]
Certificates  held by the Owner and not to any other  holder of the Class R[-__]
Certificates. The Owner understands that the liabilities described herein relate
only to the Class R[-__] Certificates.

        11. That no purpose of the Owner  relating to the transfer of any of the
Class R[-__] Certificates by the Owner is or will be to impede the assessment or
collection of any tax.

        12. That the Owner has no present  knowledge or expectation that it will
be  unable  to pay  any  United  States  taxes  owed by it so long as any of the
Certificates remain outstanding.  In this regard, the Owner hereby represents to
and for the  benefit  of the  person  from whom it  acquired  the  Class  R[-__]
Certificate  that the Owner  intends to pay taxes  associated  with holding such
Class R[-

<PAGE>

__]  Certificate as they become due, fully  understanding  that it may incur tax
liabilities  in  excess  of  any  cash  flows  generated  by  the  Class  R[-__]
Certificate.

        13. 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.

        14. (a) The  Purchaser  is not an  employee  benefit  plan or other plan
subject to the  prohibited  transaction  provisions  of the Employee  Retirement
Income  Security  Act of 1974,  as amended  ("ERISA"),  or  Section  4975 of the
Internal  Revenue  Code of 1986,  as  amended  (the  "Code"),  or an  investment
manager,  named  fiduciary  or a trustee of any such plan,  or any other  Person
acting, directly or indirectly,  on behalf of or purchasing any Certificate with
"plan assets" of any such plan; or

               (b) The Purchaser  will provide the Trustee,  the Company and the
Master  Servicer  with an  opinion  of  counsel  acceptable  to and in form  and
substance  satisfactory  to the Trustee,  the Company and the Master Servicer to
the effect that the purchase of  Certificates  is permissible  under  applicable
law, will not  constitute  or result in any  non-exempt  prohibited  transaction
under ERISA or Section  4975 of the Code and will not subject the  Trustee,  the
Company  or the  Master  Servicer  to any  obligation  or  liability  (including
obligations or liabilities  under ERISA or Section 4975 of the Code) in addition
to those undertaken in the Pooling and Servicing Agreement.

        In addition, the Purchaser hereby certifies, represents and warrants to,
and covenants  with, the Company,  the Trustee and the Master  Servicer that the
Purchaser  will not  transfer  such  Certificates  to any Plan or person  unless
either such Plan or person meets the requirements set forth in either (a) or (b)
above.

        Capitalized  terms used but not defined  herein  shall have the meanings
assigned in the Pooling and Servicing Agreement.

<PAGE>

        IN WITNESS WHEREOF,  the Owner has caused this instrument to be executed
on its  behalf,  pursuant to the  authority  of its Board of  Directors,  by its
[Title of Officer] and its corporate seal to be hereunto  attached,  attested by
its [Assistant] Secretary, this day of _____,___ 200__.

                                                   [NAME OF OWNER]

                                                   By:
                                                      ------------------------
                                                   [Name of Officer]
                                                   [Title of Officer]

[Corporate Seal]

ATTEST:

[Assistant] Secretary

        Personally  appeared before me the above-named [Name of Officer],  known
or proved to me to be the same person who executed the foregoing  instrument and
to be the  [Title of  Officer]  of the  Owner,  and  acknowledged  to me that he
executed  the  same as his  free  act and  deed and the free act and deed of the
Owner.

        Subscribed and sworn before me this ___ day of ________, 200 __.

                               NOTARY PUBLIC

                               COUNTY OF
                                         ---------------------------------

                               STATE OF
                                        ----------------------------------

                               My Commission expires the ____ day of
                               _____, 20__ .

<PAGE>

                                         EXHIBIT G-2

                                FORM OF TRANSFEROR CERTIFICATE

                                                   __________ , 20__

Residential Funding Mortgage Securities I, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota 55437

[Trustee]

Attention: Residential Funding Corporation Series _______

               Re:    Mortgage Pass-Through Certificates,
                      Series ________, Class R[-__]

Ladies and Gentlemen:

        This  letter is  delivered  to you in  connection  with the  transfer by
_____________________ (the "Seller") to  _____________________(the  "Purchaser")
of   $______________   Initial   Certificate   Principal   Balance  of  Mortgage
Pass-Through  Certificates,  Series ________, Class R[-__] (the "Certificates"),
pursuant to Section 5.02 of the Series Supplement, dated as of ________________,
to  the  Standard  Terms  of  Pooling  and  Servicing   Agreement  dated  as  of
________________   (together,  the  "Pooling  and  Servicing  Agreement")  among
Residential  Funding  Mortgage  Securities I, Inc.,  as seller (the  "Company"),
Residential Funding Corporation,  as master servicer, and __________, as trustee
(the "Trustee").  All terms used herein and not otherwise defined shall have the
meanings set forth in the Pooling and  Servicing  Agreement.  The Seller  hereby
certifies,  represents and warrants to, and covenants  with, the Company and the
Trustee that:

     1. No purpose of the Seller  relating to the transfer of the Certificate by
the Seller to the Purchaser is or will be to impede the assessment or collection
of any tax.

        2. The  Seller  understands  that the  Purchaser  has  delivered  to the
Trustee and the Master  Servicer a transfer  affidavit and agreement in the form
attached to the Pooling and Servicing  Agreement as Exhibit G-1. The Seller does
not know or believe that any representation contained therein is false.

        3. The Seller has at the time of the  transfer  conducted  a  reasonable
investigation  of the financial  condition of the Purchaser as  contemplated  by
Treasury  Regulations  Section  1.860E-  1(c)(4)(i)  and,  as a  result  of that
investigation,  the Seller has  determined  that the Purchaser has  historically
paid its debts as they  become  due and has  found no  significant  evidence  to
indicate  that the  Purchaser  will not continue to pay its debts as they become
due in the future.  The Seller  understands  that the transfer of a Class R[-__]
Certificate may not be respected for United States

<PAGE>

income tax purposes  (and the Seller may continue to be liable for United States
income  taxes  Associated  therewith)  unless the Seller has  conducted  such an
investigation.

     4. The Seller has no actual  knowledge that the proposed  Transferee is not
both a United States Person and a Permitted Transferee.

                                                   Very truly yours,

                                                   (Seller)

                                                   By:
                                                      -------------------------
                                                   Name:
                                                   Title:

<PAGE>

                                          EXHIBIT H

                            FORM OF INVESTOR REPRESENTATION LETTER

                                                   ______________ , 20___

Residential Funding Mortgage Securities I, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN 55437

[Trustee]

Residential Funding Corporation
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN 55437

Attention: Residential Funding Corporation Series ________

               RE:    Mortgage Pass-Through Certificates,
                      Series ________, [Class B-]

Ladies and Gentlemen:

        _________________-   (the   "Purchaser")   intends  to   purchase   from
_________________  (the "Seller")  $_____________  Initial Certificate Principal
Balance of  Mortgage  Pass-Through  Certificates,  Series  ________,  Class (the
"Certificates"),   issued  pursuant  to  the  Series  Supplement,  dated  as  of
________________, to the Standard Terms of Pooling and Servicing Agreement dated
as of ________________  (together,  the "Pooling and Servicing Agreement") among
Residential  Funding  Mortgage  Securities I, Inc.,  as seller (the  "Company"),
Residential Funding Corporation, as master servicer (the "Master Servicer"), and
_____________,  as  trustee  (the  "Trustee").  All terms  used  herein  and not
otherwise defined shall have the meanings set forth in the Pooling and Servicing
Agreement.  The  Purchaser  hereby  certifies,  represents  and warrants to, and
covenants with, the Company, the Trustee and the Master Servicer that:

        1. The Purchaser understands that (a) the Certificates have not been and
will not be registered or qualified under the Securities Act of 1933, as amended
(the "Act") or any state  securities  law, (b) the Company is not required to so
register or qualify the Certificates, (c) the Certificates may be resold only if
registered  and  qualified  pursuant to the  provisions  of the Act or any state
securities law, or if an exemption from such  registration and  qualification is
available,  (d)  the  Pooling  and  Servicing  Agreement  contains  restrictions
regarding the transfer of the Certificates and (e) the Certificates  will bear a
legend to the foregoing effect.

<PAGE>

        2. The Purchaser is acquiring the  Certificates  for its own account for
investment  only  and not  with a view to or for  sale in  connection  with  any
distribution  thereof in any manner that would violate the Act or any applicable
state securities laws.

        3.  The  Purchaser  is (a) a  substantial,  sophisticated  institutional
investor having such knowledge and experience in financial and business matters,
and,  in  particular,  in such  matters  related  to  securities  similar to the
Certificates,  such that it is  capable  of  evaluating  the merits and risks of
investment in the  Certificates,  (b) able to bear the economic risks of such an
investment  and (c) an "accredited  investor"  within the meaning of Rule 501(a)
promulgated pursuant to the Act.

        4. The Purchaser has been furnished  with, and has had an opportunity to
review  (a) [a copy of the  Private  Placement  Memorandum,  dated  ___________,
20___,  relating to the  Certificates  (b)] a copy of the Pooling and  Servicing
Agreement and [b] [c] such other information  concerning the  Certificates,  the
Mortgage  Loans and the Company as has been  requested by the Purchaser from the
Company or the Seller and is  relevant to the  Purchaser's  decision to purchase
the  Certificates.  The Purchaser has had any questions arising from such review
answered by the Company or the Seller to the satisfaction of the Purchaser.  [If
the  Purchaser did not purchase the  Certificates  from the Seller in connection
with the initial  distribution of the  Certificates and was provided with a copy
of the Private Placement Memorandum (the "Memorandum")  relating to the original
sale (the "Original  Sale") of the  Certificates  by the Company,  the Purchaser
acknowledges  that such  Memorandum  was provided to it by the Seller,  that the
Memorandum  was prepared by the Company  solely for use in  connection  with the
Original  Sale and the Company did not  participate  in or facilitate in any way
the  purchase of the  Certificates  by the  Purchaser  from the Seller,  and the
Purchaser  agrees  that it will look solely to the Seller and not to the Company
with  respect  to any  damage,  liability,  claim  or  expense  arising  out of,
resulting from or in connection with (a) error or omission,  or alleged error or
omission,  contained in the Memorandum,  or (b) any information,  development or
event arising after the date of the Memorandum.]

        5. The  Purchaser  has not and will not nor has it authorized or will it
authorize  any  person to (a)  offer,  pledge,  sell,  dispose  of or  otherwise
transfer any  Certificate,  any interest in any Certificate or any other similar
security to any person in any manner,  (b) solicit any offer to buy or to accept
a pledge, disposition of other transfer of any Certificate,  any interest in any
Certificate  or any other similar  security  from any person in any manner,  (c)
otherwise approach or negotiate with respect to any Certificate, any interest in
any Certificate or any other similar security with any person in any manner, (d)
make any general  solicitation  by means of general  advertising or in any other
manner or (e) take any other  action,  that (as to any of (a) through (e) above)
would  constitute a distribution  of any  Certificate  under the Act, that would
render the disposition of any Certificate a violation of Section 5 of the Act or
any state  securities law, or that would require  registration or  qualification
pursuant thereto.  The Purchaser will not sell or otherwise  transfer any of the
Certificates,  except in  compliance  with the  provisions  of the  Pooling  and
Servicing Agreement.

        6.     The Purchaser

        (a) is not an employee  benefit or other plan subject to the  prohibited
transaction  provisions of the Employee  Retirement Income Security Act of 1974,
as amended  ("ERISA),  or Section 4975 of the Internal  Revenue Code of 1986, as
amended ("Plan"), or any other person

<PAGE>

(including an investment  manager,  a named  fiduciary or a trustee of any Plan)
acting, directly or indirectly,  on behalf of or purchasing any Certificate with
"plan assets" of any Plan within the meaning of the  Department of Labor ("DOL")
regulation at 29 C.F.R. ss.2510.3-101;

        (b) is an  insurance  company,  the  source of funds to be used by it to
purchase the Certificates is an "insurance  company general account" (within the
meaning of DOL Prohibited  Transaction Class Exemption  ("PTCE") 95-60), and the
purchase is being made in reliance upon the availability of the exemptive relief
afforded under Sections I and III of PTCE 95-60; or

        (c) has provided the Trustee,  the Company and the Master  Servicer with
an opinion of counsel  acceptable to and in form and substance  satisfactory  to
the Trustee, the Company and the Master Servicer to the effect that the purchase
of  Certificates  is permissible  under  applicable  law, will not constitute or
result in any non-exempt  prohibited  transaction under ERISA or Section 4975 of
the Code and will not subject the Trustee, the Company or the Master Servicer to
any obligation or liability (including obligations or liabilities under ERISA or
Section  4975 of the Code) in  addition to those  undertaken  in the Pooling and
Servicing Agreement.

        In addition, the Purchaser hereby certifies, represents and warrants to,
and covenants  with, the Company,  the Trustee and the Master  Servicer that the
Purchaser will not transfer such  Certificates to any Plan or person unless such
Plan or person  meets the  requirements  set  forth in either  6(a),  (b) or (c)
above.

                                                   Very truly yours,

                                                   By:
                                                      -------------------------
                                                   Name:
                                                   Title:

<PAGE>

                                    EXHIBIT I

                    FORM OF TRANSFEROR REPRESENTATION LETTER

                                                   _________, 20___

Residential Funding Mortgage Securities I, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, MN 55437

[Trustee]

Attention: Residential Funding Corporation Series ________

               Re:    Mortgage Pass-Through Certificates,
                      Series ________, [Class B-]

Ladies and Gentlemen:

        In connection  with the sale by  ____________________  (the "Seller") to
____________________ (the "Purchaser") of __________________ Initial Certificate
Principal Balance of Mortgage Pass-Through Certificates,  Series ________, Class
(the  "Certificates"),  issued  pursuant to the Series  Supplement,  dated as of
________________, to the Standard Terms of Pooling and Servicing Agreement dated
as of ________________  (together,  the "Pooling and Servicing Agreement") among
Residential  Funding  Mortgage  Securities I, Inc.,  as seller (the  "Company"),
Residential Funding Corporation,  as master servicer, and __________, as trustee
(the "Trustee").  The Seller hereby  certifies,  represents and warrants to, and
covenants with, the Company and the Trustee that:

        Neither  the  Seller nor  anyone  acting on its behalf has (a)  offered,
pledged,  sold,  disposed  of or  otherwise  transferred  any  Certificate,  any
interest in any  Certificate or any other similar  security to any person in any
manner, (b) has solicited any offer to buy or to accept a pledge, disposition or
other transfer of any Certificate,  any interest in any Certificate or any other
similar security from any person in any manner, (c) has otherwise  approached or
negotiated with respect to any  Certificate,  any interest in any Certificate or
any other  similar  security  with any  person in any  manner,  (d) has made any
general  solicitation by means of general advertising or in any other manner, or
(e) has taken any other action,  that (as to any of (a) through (e) above) would
constitute a distribution of the  Certificates  under the Securities Act of 1933
(the "Act"), that would render the disposition of any Certificate a violation of
Section  5 of the  Act or any  state  securities  law,  or  that  would  require
registration or qualification  pursuant thereto. The Seller will not act, in any
manner set forth in the foregoing sentence with respect to any Certificate.  The
Seller has not and will not sell or otherwise  transfer any of the Certificates,
except in compliance with the provisions of the Pooling and Servicing Agreement.

<PAGE>

                                                   Very truly yours,

                                                   (Seller)

                                                   By:
                                                      ------------------------
                                                   Name:
                                                   Title:

<PAGE>

                                    EXHIBIT J

                  [FORM OF RULE 144A INVESTMENT REPRESENTATION]

             Description of Rule 144A Securities, including numbers:

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

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

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

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

        The undersigned seller, as registered holder (the "Seller"),  intends to
transfer the Rule 144A Securities  described above to the undersigned buyer (the
"Buyer").

        1.  In  connection  with  such  transfer  and  in  accordance  with  the
agreements  pursuant to which the Rule 144A Securities  were issued,  the Seller
hereby  certifies the following  facts:  Neither the Seller nor anyone acting on
its behalf has offered, transferred,  pledged, sold or otherwise disposed of the
Rule 144A  Securities,  any  interest in the Rule 144A  Securities  or any other
similar security to, or solicited any offer to buy or accept a transfer,  pledge
or other disposition of the Rule 144A Securities,  any interest in the Rule 144A
Securities  or any other  similar  security  from,  or otherwise  approached  or
negotiated  with respect to the Rule 144A  Securities,  any interest in the Rule
144A Securities or any other similar security with, any person in any manner, or
made any general  solicitation  by means of general  advertising or in any other
manner,  or taken any other action,  that would constitute a distribution of the
Rule 144A  Securities  under the  Securities  Act of 1933, as amended (the "1933
Act"),  or that  would  render the  disposition  of the Rule 144A  Securities  a
violation of Section 5 of the 1933 Act or require registration pursuant thereto,
and that the Seller has not offered the Rule 144A Securities to any person other
than the Buyer or  another  "qualified  institutional  buyer" as defined in Rule
144A under the 1933 Act.

        2. The Buyer warrants and represents to, and covenants with, the Seller,
the Trustee and the Master Servicer (as defined in the Series Supplement,  dated
as of ________________, to the Standard Terms of Pooling and Servicing Agreement
dated  as  of  ________________  (the  "Agreement")  among  Residential  Funding
Corporation as Master Servicer,  Residential Funding Mortgage Securities I, Inc.
as  depositor  pursuant to Section  5.02 of the  Agreement  and  __________,  as
trustee, as follows:

               (a) The Buyer  understands that the Rule 144A Securities have not
        been registered under the 1933 Act or the securities laws of any state.

               (b) The  Buyer  considers  itself  a  substantial,  sophisticated
        institutional investor having such knowledge and experience in financial
        and  business  matters that it is capable of  evaluating  the merits and
        risks of investment in the Rule 144A Securities.

               (c) The Buyer has been furnished with all  information  regarding
        the Rule 144A  Securities  that it has  requested  from the Seller,  the
        Trustee or the Servicer.

<PAGE>

               (d)  Neither  the  Buyer nor  anyone  acting  on its  behalf  has
        offered,  transferred,  pledged,  sold or otherwise disposed of the Rule
        144A  Securities,  any interest in the Rule 144A Securities or any other
        similar security to, or solicited any offer to buy or accept a transfer,
        pledge or other disposition of the Rule 144A Securities, any interest in
        the  Rule  144A  Securities  or any  other  similar  security  from,  or
        otherwise  approached  or  negotiated  with  respect  to the  Rule  144A
        Securities,  any  interest  in the Rule  144A  Securities  or any  other
        similar  security  with,  any person in any manner,  or made any general
        solicitation by means of general  advertising or in any other manner, or
        taken any other action, that would constitute a distribution of the Rule
        144A Securities  under the 1933 Act or that would render the disposition
        of the Rule 144A  Securities a violation of Section 5 of the 1933 Act or
        require  registration  pursuant  thereto,  nor  will it act,  nor has it
        authorized  or will it authorize  any person to act, in such manner with
        respect to the Rule 144A Securities.

               (e) The Buyer is a "qualified  institutional  buyer" as that term
        is defined in Rule 144A under the 1933 Act and has  completed  either of
        the forms of  certification to that effect attached hereto as Annex 1 or
        Annex 2.  The  Buyer  is  aware  that  the  sale to it is being  made in
        reliance on Rule 144A.  The Buyer is acquiring the Rule 144A  Securities
        for its own  account or the  accounts of other  qualified  institutional
        buyers,  understands  that  such  Rule 144A  Securities  may be  resold,
        pledged or transferred only (i) to a person reasonably  believed to be a
        qualified  institutional buyer that purchases for its own account or for
        the account of a qualified  institutional  buyer to whom notice is given
        that the  resale,  pledge or  transfer is being made in reliance on Rule
        144A, or (ii) pursuant to another exemption from registration  under the
        1933 Act.

        [3.    The Buyer

               (a) is not an  employee  benefit  or other  plan  subject  to the
        prohibited  transaction  provisions  of the Employee  Retirement  Income
        Security  Act of 1974,  as amended  ("ERISA"),  or  Section  4975 of the
        Internal  Revenue  Code of 1986,  as  amended (a  "Plan"),  or any other
        person (including an investment  manager, a named fiduciary or a trustee
        of any Plan) acting, directly or indirectly,  on behalf of or purchasing
        any Certificate with "plan assets" of any Plan within the meaning of the
        Department of Labor ("DOL") regulation at 29 C.F.R. ss.2510.3-101;

               (b) is an insurance company, the source of funds to be used by it
        to purchase the  Certificates is an "insurance  company general account"
        (within  the  meaning  of DOL  Prohibited  Transaction  Class  Exemption
        ("PTCE")  95-60),  and the  purchase is being made in reliance  upon the
        availability  of the exemptive  relief afforded under Sections I and III
        of PTCE 95-60; or

               (c) has provided the Trustee, the Company and the Master Servicer
        with an  opinion  of  counsel  acceptable  to and in form and  substance
        satisfactory to the Trustee,  the Company and the Master Servicer to the
        effect that the purchase of Certificates is permissible under applicable
        law,  will  not  constitute  or  result  in  any  non-exempt  prohibited
        transaction under ERISA or Section 4975 of the Code and will not subject
        the Trustee,  the Company or the Master  Servicer to any  obligation  or
        liability (including obligations or liabilities under

<PAGE>

        ERISA or Section  4975 of the Code) in addition to those  undertaken  in
        the Pooling and Servicing Agreement. ]

        4. This document may be executed in one or more  counterparts and by the
different  parties  hereto on  separate  counterparts,  each of  which,  when so
executed, shall be deemed to be an original; such counterparts,  together, shall
constitute one and the same document.

        IN WITNESS WHEREOF, each of the parties has executed this document as of
the date set forth below.

Print Name of Seller                   Print Name of Buyer

By:                                    By:
   ---------------------------------      ---------------------------------
Name:                                  Name:
Title:                                 Title:
Taxpayer Identification                Taxpayer Identification:
No.                                    No:
    --------------------------------      ---------------------------------
Date:                                  Date:
      ------------------------------         ------------------------------

<PAGE>

                              ANNEX 1 TO EXHIBIT J

          QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For
               Buyers Other Than Registered Investment Companies]

        The undersigned  hereby certifies as follows in connection with the Rule
144A Investment Representation to which this Certification is attached:

     1. As indicated  below,  the undersigned is the President,  Chief Financial
Officer, Senior Vice President or other executive officer of the Buyer.

        2. In connection with purchases by the Buyer,  the Buyer is a "qualified
institutional  buyer" as that term is defined in Rule 144A under the  Securities
Act of 1933  ("Rule  144A")  because (i) the Buyer  owned  and/or  invested on a
discretionary basis $ in securities (except for the excluded securities referred
to below) as of the end of the  Buyer's  most recent  fiscal  year (such  amount
being  calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the
criteria in the category marked below.

        Corporation, etc. The Buyer is a corporation (other than a bank, savings
and loan association or similar institution),  Massachusetts or similar business
trust, partnership, or charitable organization described in Section 501(c)(3) of
the Internal Revenue Code.

        Bank. The Buyer (a) is a national bank or banking institution  organized
under the laws of any State, territory or the District of Columbia, the business
of which is substantially  confined to banking and is supervised by the State or
territorial  banking  commission  or similar  official  or is a foreign  bank or
equivalent institution, and (b) has an audited net worth of at least $25,000,000
as demonstrated in its latest annual  financial  statements,  a copy of which is
attached hereto.

        Savings  and Loan.  The Buyer  (a) is a  savings  and loan  association,
building  and loan  association,  cooperative  bank,  homestead  association  or
similar  institution,  which is  supervised  and  examined by a State or Federal
authority having  supervision over any such institutions or is a foreign savings
and loan association or equivalent  institution and (b) has an audited net worth
of  at  least  $25,000,000  as  demonstrated  in  its  latest  annual  financial
statements.

        Broker-Dealer.  The Buyer is a dealer registered  pursuant to Section 15
of the Securities Exchange Act of 1934.

        Insurance  Company.  The Buyer is an insurance company whose primary and
predominant  business  activity is the writing of insurance or the reinsuring of
risks underwritten by insurance companies and which is subject to supervision by
the  insurance  commissioner  or a  similar  official  or  agency  of a State or
territory or the District of Columbia.

        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.

<PAGE>

        ERISA Plan. The Buyer is an employee  benefit plan within the meaning of
Title I of the Employee Retirement Income Security Act of 1974.

     Investment Adviser. The Buyer is an investment adviser registered under the
Investment Advisers Act of 1940.

     SBIC. The Buyer is a Small Business Investment Company licensed by the U.S.
Small Business  Administration under Section 301(c) or (d) of the Small Business
Investment Act of 1958.

     Business  Development  Company. The Buyer is a business development company
as defined in Section 202(a)(22) of the Investment Advisers Act of 1940.

        Trust Fund.  The Buyer is a trust fund whose  trustee is a bank or trust
company  and  whose  participants  are  exclusively  (a) plans  established  and
maintained  by  a  State,   its  political   subdivisions,   or  any  agency  or
instrumentality of the State or its political  subdivisions,  for the benefit of
its  employees,  or (b) employee  benefit plans within the meaning of Title I of
the Employee  Retirement  Income  Security Act of 1974,  but is not a trust fund
that includes as participants individual retirement accounts or H.R. 10 plans.

        3. The term  "securities" as used herein does not include (i) securities
of issuers that are affiliated with the Buyer,  (ii) securities that are part of
an unsold  allotment to or  subscription by the Buyer, if the Buyer is a dealer,
(iii) bank deposit notes and certificates of deposit,  (iv) loan participations,
(v) repurchase  agreements,  (vi)  securities  owned but subject to a repurchase
agreement and (vii) currency, interest rate and commodity swaps.

        4. For purposes of determining the aggregate  amount of securities owned
and/or invested on a discretionary  basis by the Buyer,  the Buyer used the cost
of such  securities  to the  Buyer  and did not  include  any of the  securities
referred to in the preceding  paragraph.  Further, in determining such aggregate
amount,  the Buyer may have included  securities  owned by  subsidiaries  of the
Buyer,  but only if such  subsidiaries  are  consolidated  with the Buyer in its
financial  statements  prepared in accordance with generally accepted accounting
principles  and if the  investments of such  subsidiaries  are managed under the
Buyer's direction.  However, such securities were not included if the Buyer is a
majority-owned,  consolidated  subsidiary of another enterprise and the Buyer is
not itself a reporting company under the Securities Exchange Act of 1934.

        5.  The  Buyer  acknowledges  that it is  familiar  with  Rule  144A and
understands  that the seller to it and other parties related to the Certificates
are relying and will continue to rely on the statements  made herein because one
or more sales to the Buyer may be in reliance on Rule 144A.

                          Will the Buyer be purchasing the Rule 144A
Yes            No            Securities only for the Buyer's own account?

     6. If the answer to the foregoing  question is "no", the Buyer agrees that,
in connection  with any purchase of securities sold to the Buyer for the account
of a third party (including any separate  account) in reliance on Rule 144A, the
Buyer will only  purchase for the account of a third party that at the time is a
"qualified institutional buyer" within the meaning of Rule 144A. In

<PAGE>

addition,  the Buyer  agrees that the Buyer will not purchase  securities  for a
third party unless the Buyer has obtained a current  representation  letter from
such third party or taken other appropriate  steps  contemplated by Rule 144A to
conclude that such third party  independently meets the definition of "qualified
institutional buyer" set forth in Rule 144A.

        7. The Buyer will notify each of the parties to which this certification
is made of any changes in the  information and  conclusions  herein.  Until such
notice is given,  the Buyer's purchase of Rule 144A Securities will constitute a
reaffirmation of this certification as of the date of such purchase.

                                                   Print Name of Buyer

                                                   By:
                                                      ------------------------
                                                   Name:
                                                   Title:

                                                   Date:
                                                         ---------------------

<PAGE>

                              ANNEX 2 TO EXHIBIT J

            QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

              [For Buyers That Are Registered Investment Companies]

        The undersigned  hereby certifies as follows in connection with the Rule
144A Investment Representation to which this Certification is attached:

        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.

<PAGE>

        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:

                                                   IF AN ADVISOR:

                                                   Print Name of Buyer

                                                   Date:
                                                         ---------------------

<PAGE>

                                    EXHIBIT K

                   [TEXT OF AMENDMENT TO POOLING AND SERVICING
                  AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A
                                LIMITED GUARANTY]

                                   ARTICLE XII
             Subordinate Certificate Loss Coverage; Limited Guaranty

        Section 12.01. Subordinate Certificate Loss Coverage;  Limited Guaranty.
(a) Subject to subsection  (c) below,  prior to the later of the third  Business
Day prior to each  Distribution  Date or the  related  Determination  Date,  the
Master Servicer shall determine  whether it or any Sub-Servicer will be entitled
to any  reimbursement  pursuant to Section 4.02(a) on such Distribution Date for
Advances or Sub-Servicer  Advances  previously made, (which will not be Advances
or Sub-Servicer Advances that were made with respect to delinquencies which were
subsequently determined to be Excess Special Hazard Losses, Excess Fraud Losses,
Excess  Bankruptcy  Losses or  Extraordinary  Losses)  and,  if so,  the  Master
Servicer shall demand payment from Residential Funding of an amount equal to the
amount of any Advances or Sub-Servicer  Advances  reimbursed pursuant to Section
4.02(a),  to the extent such  Advances or  Sub-Servicer  Advances  have not been
included in the amount of the Realized Loss in the related  Mortgage  Loan,  and
shall distribute the same to the Class B  Certificateholders  in the same manner
as if such amount were to be distributed pursuant to Section 4.02(a).

        (b)  Subject to  subsection  (c) below,  prior to the later of the third
Business Day prior to each Distribution Date or the related  Determination Date,
the Master  Servicer  shall  determine  whether any Realized  Losses (other than
Excess Special Hazard Losses,  Excess Bankruptcy Losses, Excess Fraud Losses and
Extraordinary  Losses)  will be allocated  to the Class B  Certificates  on such
Distribution  Date  pursuant to Section  4.05,  and, if so, the Master  Servicer
shall demand  payment from  Residential  Funding of the amount of such  Realized
Loss and shall distribute the same to the Class B Certificateholders in the same
manner as if such amount  were to be  distributed  pursuant to Section  4.02(a);
provided, however, that the amount of such demand in respect of any Distribution
Date shall in no event be greater than the sum of (i) the  additional  amount of
Accrued  Certificate  Interest  that  would  have  been  paid  for  the  Class B
Certificateholders  on such  Distribution  Date had such Realized Loss or Losses
not occurred plus (ii) the amount of the reduction in the Certificate  Principal
Balances  of the  Class B  Certificates  on such  Distribution  Date due to such
Realized  Loss or Losses.  Notwithstanding  such payment,  such Realized  Losses
shall be deemed to have been borne by the  Certificateholders  for  purposes  of
Section  4.05.  Excess  Special  Hazard  Losses,  Excess  Fraud  Losses,  Excess
Bankruptcy Losses and Extraordinary Losses allocated to the Class B Certificates
will not be covered by the Subordinate Certificate Loss Obligation.

        (c) Demands for payments pursuant to this Section shall be made prior to
the  later of the third  Business  Day  prior to each  Distribution  Date or the
related Determination Date by the Master Servicer with written notice thereof to
the Trustee.  The maximum amount that  Residential  Funding shall be required to
pay pursuant to this Section on any Distribution  Date (the "Amount  Available")
shall be equal to the lesser of (X) minus the sum of (i) all  previous  payments
made under  subsections  (a) and (b) hereof and (ii) all draws under the Limited
Guaranty made in lieu of such payments as

<PAGE>

described  below  in  subsection  (d) and (Y) the then  outstanding  Certificate
Principal  Balances of the Class B Certificates,  or such lower amount as may be
established  pursuant to Section  12.02.  Residential  Funding's  obligations as
described in this Section are referred to herein as the "Subordinate Certificate
Loss Obligation."

        (d)  The  Trustee  will  promptly   notify  General  Motors   Acceptance
Corporation of any failure of Residential Funding to make any payments hereunder
and  shall  demand  payment  pursuant  to the  limited  guaranty  (the  "Limited
Guaranty"),  executed by General Motors Acceptance  Corporation,  of Residential
Funding's  obligation  to make payments  pursuant to this Section,  in an amount
equal to the lesser of (i) the Amount Available and (ii) such required payments,
by  delivering to General  Motors  Acceptance  Corporation a written  demand for
payment by wire  transfer,  not later than the second  Business Day prior to the
Distribution Date for such month, with a copy to the Master Servicer.

        (e) All payments made by Residential Funding pursuant to this Section or
amounts  paid under the  Limited  Guaranty  shall be  deposited  directly in the
Certificate Account, for distribution on the Distribution Date for such month to
the Class B Certificateholders.

        (f) The  Company  shall  have the  option,  in its sole  discretion,  to
substitute  for  either  or  both of the  Limited  Guaranty  or the  Subordinate
Certificate  Loss  Obligation  another  instrument  in the  form of a  corporate
guaranty,  an irrevocable  letter of credit, a surety bond,  insurance policy or
similar  instrument  or a reserve fund;  provided  that (i) the Company  obtains
(subject to the provisions of Section 10.01(f) as if the Company was substituted
for the Master Servicer solely for the purposes of such provision) an Opinion of
Counsel (which need not be an opinion of Independent counsel) to the effect that
obtaining such  substitute  corporate  guaranty,  irrevocable  letter of credit,
surety bond,  insurance  policy or similar  instrument  or reserve fund will not
cause  either (a) any  federal  tax to be imposed on the Trust  Fund,  including
without limitation,  any federal tax imposed on "prohibited  transactions" under
Section  860(F)(a)(1) of the Code or on  "contributions  after the startup date"
under Section  860(G)(d)(1) of the Code or (b) the Trust Fund to fail to qualify
as a REMIC at any time that any  Certificate  is  outstanding,  and (ii) no such
substitution  shall  be made  unless  (A) the  substitute  Limited  Guaranty  or
Subordinate  Certificate  Loss Obligation is for an initial amount not less than
the then  current  Amount  Available  and  contains  provisions  that are in all
material  respects  equivalent to the original  Limited  Guaranty or Subordinate
Certificate   Loss   Obligation   (including   that  no  portion  of  the  fees,
reimbursements  or other  obligations under any such instrument will be borne by
the Trust  Fund),  (B) the long  term debt  obligations  of any  obligor  of any
substitute  Limited Guaranty or Subordinate  Certificate Loss Obligation (if not
supported by the Limited Guaranty) shall be rated at least the lesser of (a) the
rating  of  the  long  term  debt  obligations  of  General  Motors   Acceptance
Corporation  as of the date of  issuance  of the  Limited  Guaranty  and (b) the
rating  of  the  long  term  debt  obligations  of  General  Motors   Acceptance
Corporation at the date of such substitution and (C) the Company obtains written
confirmation from each nationally recognized credit rating agency that rated the
Class B Certificates at the request of the Company that such substitution  shall
not lower the  rating on the Class B  Certificates  below the  lesser of (a) the
then-current  rating  assigned to the Class B Certificates by such rating agency
and (b) the original  rating assigned to the Class B Certificates by such rating
agency. Any replacement of the Limited Guaranty or Subordinate  Certificate Loss
Obligation pursuant to this Section shall be accompanied by a written Opinion of
Counsel to the substitute guarantor or obligor, addressed to the Master

<PAGE>

Servicer and the Trustee, that such substitute  instrument  constitutes a legal,
valid and binding obligation of the substitute guarantor or obligor, enforceable
in accordance  with its terms,  and concerning  such other matters as the Master
Servicer and the Trustee  shall  reasonably  request.  Neither the Company,  the
Master  Servicer nor the Trustee shall be obligated to substitute for or replace
the Limited  Guaranty  or  Subordinate  Certificate  Loss  Obligation  under any
circumstance.

        Section   12.02.   Amendments   Relating   to  the   Limited   Guaranty.
Notwithstanding  Sections 11.01 or 12.01: (i) the provisions of this Article XII
may be amended,  superseded or deleted, (ii) the Limited Guaranty or Subordinate
Certificate Loss Obligation may be amended,  reduced or canceled,  and (iii) any
other  provision of this Agreement which is related or incidental to the matters
described  in this  Article  XII may be amended in any  manner;  in each case by
written  instrument  executed or  consented  to by the  Company and  Residential
Funding but without the consent of any Certificateholder and without the consent
of the Master  Servicer or the Trustee being required  unless any such amendment
would impose any  additional  obligation on, or otherwise  adversely  affect the
interests of, the Master Servicer or the Trustee,  as applicable;  provided that
the Company shall also obtain a letter from each  nationally  recognized  credit
rating agency that rated the Class B Certificates  at the request of the Company
to the effect that such amendment,  reduction, deletion or cancellation will not
lower  the  rating  on the  Class B  Certificates  below  the  lesser of (a) the
then-current  rating  assigned to the Class B Certificates by such rating agency
and (b) the original  rating assigned to the Class B Certificates by such rating
agency, unless (A) the Holder of 100% of the Class B Certificates is Residential
Funding  or  an  Affiliate  of  Residential  Funding,  or  (B)  such  amendment,
reduction,  deletion or cancellation is made in accordance with Section 11.01(e)
and,  provided  further that the Company  obtains  (subject to the provisions of
Section  10.01(f)  as if the  Company was  substituted  for the Master  Servicer
solely for the purposes of such provision),  in the case of a material amendment
or  supersession  (but not a reduction,  cancellation or deletion of the Limited
Guaranty or the Subordinate Certificate Loss Obligation),  an Opinion of Counsel
(which  need not be an opinion of  Independent  counsel)  to the effect that any
such amendment or  supersession  will not cause either (a) any federal tax to be
imposed on the Trust Fund, including without limitation, any federal tax imposed
on  "prohibited  transactions"  under  Section  860F(a)(1)  of  the  Code  or on
"contributions  after the startup date" under Section  860G(d)(1) of the Code or
(b) the  Trust  Fund to  fail  to  qualify  as a  REMIC  at any  time  that  any
Certificate is outstanding.  A copy of any such instrument  shall be provided to
the Trustee and the Master  Servicer  together  with an Opinion of Counsel  that
such amendment complies with this Section 12.02.

<PAGE>

                                    EXHIBIT L

                           [FORM OF LIMITED GUARANTY]
                                LIMITED GUARANTY
                 RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC.
                       Mortgage Pass-Through Certificates
                                 Series ________

                               ___________, 20____

[Trustee]

Attention: Residential Funding Corporation Series ________
Ladies and Gentlemen:

        WHEREAS,   Residential  Funding  Corporation,   a  Delaware  corporation
("Residential  Funding"),  an indirect wholly-owned subsidiary of General Motors
Acceptance Corporation,  a New York corporation ("GMAC"), plans to incur certain
obligations as described under Section 12.01 of the Series Supplement,  dated as
of  ________________,  to the Standard Terms of Pooling and Servicing  Agreement
dated  as of  ________________  (together,  the  "Servicing  Agreement"),  among
Residential  Funding Mortgage  Securities I, Inc. (the  "Company"),  Residential
Funding and  __________  (the  "Trustee") as amended by Amendment  No.  thereto,
dated as of , with respect to the  Mortgage  Pass-Through  Certificates,  Series
________ (the "Certificates"); and

        WHEREAS,   pursuant  to  Section  12.01  of  the  Servicing   Agreement,
Residential  Funding  agrees  to make  payments  to the  Holders  of the Class B
Certificates  with respect to certain  losses on the Mortgage Loans as described
in the Servicing Agreement; and

        WHEREAS,  GMAC desires to provide certain assurances with respect to the
ability of  Residential  Funding to secure  sufficient  funds and  faithfully to
perform its Subordinate Certificate Loss Obligation;

        NOW THEREFORE,  in  consideration  of the premises herein  contained and
certain  other good and valuable  consideration,  the receipt of which is hereby
acknowledged, GMAC agrees as follows:

        1. Provision of Funds.  (a) GMAC agrees to contribute and deposit in the
Certificate  Account on behalf of Residential  Funding (or otherwise  provide to
Residential  Funding, or to cause to be made available to Residential  Funding),
either  directly  or  through a  subsidiary,  in any case  prior to the  related
Distribution  Date,  such moneys as may be required  by  Residential  Funding to
perform its Subordinate  Certificate Loss Obligation when and as the same arises
from time to time upon the demand of the  Trustee  in  accordance  with  Section
12.01 of the Servicing Agreement.

        (b) The  agreement  set  forth  in the  preceding  clause  (a)  shall be
absolute,  irrevocable  and  unconditional  and  shall  not be  affected  by the
transfer by GMAC or any other person of all or any

<PAGE>

part  of its or  their  interest  in  Residential  Funding,  by any  insolvency,
bankruptcy, dissolution or other proceeding affecting Residential Funding or any
other  person,  by any defense or right of  counterclaim,  set-off or recoupment
that GMAC may have  against  Residential  Funding or any other  person or by any
other fact or circumstance.  Notwithstanding  the foregoing,  GMAC's obligations
under clause (a) shall terminate upon the earlier of (x)  substitution  for this
Limited Guaranty pursuant to Section 12.01(f) of the Servicing Agreement, or (y)
the termination of the Trust Fund pursuant to the Servicing Agreement.

        2.  Waiver.  GMAC  hereby  waives  any  failure  or delay on the part of
Residential  Funding,  the Trustee or any other person in asserting or enforcing
any  rights or in making  any  claims or demands  hereunder.  Any  defective  or
partial  exercise of any such  rights  shall not  preclude  any other or further
exercise  of  that  or  any  other  such  right.  GMAC  further  waives  demand,
presentment,  notice of default,  protest,  notice of  acceptance  and any other
notices with respect to this Limited Guaranty,  including,  without  limitation,
those of action or nonaction on the part of Residential Funding or the Trustee.

        3. Modification, Amendment and Termination. This Limited Guaranty may be
modified,  amended or terminated  only by the written  agreement of GMAC and the
Trustee and only if such  modification,  amendment or  termination  is permitted
under Section 12.02 of the Servicing  Agreement.  The  obligations of GMAC under
this  Limited  Guaranty  shall  continue  and  remain  in  effect so long as the
Servicing  Agreement is not modified or amended in any way that might affect the
obligations  of GMAC under  this  Limited  Guaranty  without  the prior  written
consent of GMAC.

     4. Successor.  Except as otherwise expressly provided herein, the guarantee
herein set forth shall be binding upon GMAC and its respective successors.

     5.  Governing  Law. This Limited  Guaranty shall be governed by the laws of
the State of New York.

     6. Authorization and Reliance. GMAC understands that a copy of this Limited
Guaranty  shall be delivered to the Trustee in connection  with the execution of
Amendment  No. 1 to the  Servicing  Agreement  and GMAC  hereby  authorizes  the
Company  and the  Trustee  to rely on the  covenants  and  agreements  set forth
herein.

     7.  Definitions.  Capitalized  terms used but not otherwise  defined herein
shall have the meaning given them in the Servicing Agreement.

     8.  Counterparts.  This  Limited  Guaranty may be executed in any number of
counterparts,  each  of  which  shall  be  deemed  to be an  original  and  such
counterparts shall constitute but one and the same instrument.

<PAGE>

        IN WITNESS WHEREOF, GMAC has caused this Limited Guaranty to be executed
and delivered by its respective officers thereunto duly authorized as of the day
and year first above written.

                                                   GENERAL MOTORS ACCEPTANCE
                                                   CORPORATION

                                                   By:
                                                      ------------------------
                                                   Name:
                                                   Title:

Acknowledged by:
[Trustee], as Trustee

By:
   --------------------------
Name:
Title:

RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC.

By:
   --------------------------
Name:
Title:

<PAGE>

                                          EXHIBIT M

                 FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN

                                                   _____________, 20______

Residential Funding Mortgage Securities I, Inc.
8400 Normandale Lake Boulevard
Suite 250
Minneapolis, Minnesota 55437

[Trustee]

Attention: Residential Funding Corporation Series ________

               Re:    Mortgage Pass-Through Certificates, Series ________
                      Assignment of Mortgage Loan

Ladies and Gentlemen:

        This letter is delivered to you in  connection  with the  assignment  by
___________   (the  "Trustee")  to   _____________________   (the  "Lender")  of
__________________(the  "Mortgage  Loan")  pursuant  to  Section  3.13(d) of the
Series  Supplement,  dated  as of  ________________,  to the  Standard  Terms of
Pooling and Servicing  Agreement  dated as of  ________________  (together,  the
"Pooling and Servicing Agreement") among Residential Funding Mortgage Securities
I, Inc., as seller (the "Company"),  Residential Funding Corporation,  as master
servicer, and the Trustee. All terms used herein and not otherwise defined shall
have the meanings set forth in the Pooling and Servicing  Agreement.  The Lender
hereby  certifies,  represents  and warrants to, and covenants  with, the Master
Servicer and the Trustee that:

        the  Mortgage  Loan  is  secured  by  Mortgaged  Property  located  in a
jurisdiction  in which an  assignment  in lieu of  satisfaction  is  required to
preserve lien priority,  minimize or avoid mortgage recording taxes or otherwise
comply with, or facilitate a refinancing under, the laws of such jurisdiction;

        the substance of the assignment is, and is intended to be, a refinancing
of such Mortgage Loan and the form of the  transaction is solely to comply with,
or facilitate the transaction under, such local laws;

        the Mortgage Loan following the proposed  assignment will be modified to
have a rate of  interest  at least  0.25  percent  below  or  above  the rate of
interest  on such  Mortgage  Loan prior to such  proposed  assignment;  and such
assignment is at the request of the borrower under the related Mortgage Loan.

<PAGE>

                                                   Very truly yours,

                                                   (Lender)

                                                   By:
                                                      ------------------------
                                                   Name:
                                                   Title:

<PAGE>

                                          EXHIBIT N

                                 FORM OF REQUEST FOR EXCHANGE

                                                   [Date]

Bank One, National Association
1 Bank One Plaza
Suite IL1-0126
Chicago, Illinois 60670-0126

               Re:    Residential Funding Mortgage Securities I, Inc.
                      Mortgage Pass-Through Certificates, Series [________]

        Residential  Funding  Corporation,  as the Holder of a ____%  Percentage
Interest of the [Class/Subclass] of Class A-V Certificates,  hereby requests the
Trustee  to  exchange  the  above-referenced  Certificates  for  the  Subclasses
referred to below:

        1.     Class   A-V   Certificates,   corresponding   to  the   following
               Uncertificated    REMIC   Regular   Interests:    [List   numbers
               corresponding  to the related loans and Pool Strip Rates from the
               Mortgage Loan Schedule]. The Initial Subclass Notional Amount and
               the initial  Pass-Through Rate on the Class A-V Certificates will
               be $___________ and _____%, respectively.

        [2.    Repeat as appropriate.]

        The  Subclasses  requested  above will represent in the aggregate all of
the  Uncertificated  REMIC  Regular  Interests  represented  by  the  Class  A-V
Certificates surrendered for exchange.

        The  capitalized  terms  used  but not  defined  herein  shall  have the
meanings set forth in the Pooling and Servicing Agreement,  dated as of _______,
among  Residential  Funding  Mortgage  Securities I, Inc.,  Residential  Funding
Corporation and Bank One National Association, as trustee.

                                      RESIDENTIAL FUNDING CORPORATION

                                      By:
                                         --------------------------
                                      Name:
                                      Title:

<PAGE>

<PAGE>

<TABLE>
<CAPTION>

                                  EXHIBIT FIVE

                         PLANNED PRINCIPAL BALANCES AND
                           TARGETED PRINCIPAL BALANCES

                                                                TARGETED PRINCIPAL BALANCES FOR
                                      PLANNED PRINCIPAL          CLASS-A-15-CERTIFICATES
                                    BALANCES-FOR-CLASS-A-14
DISTRIBUTION DATE                       CERTIFICATES
----------------------------------------------------------------
<S>                                              <C>                             <C>
Initial Balance..............                    $30,407,214.00                  $30,000,000.00
February 25, 2002............                     30,280,860.80                   29,925,766.54
March 25, 2002...............                     30,135,731.82                   29,825,520.48
April 25, 2002...............                     29,971,890.81                   29,699,319.76
May 25, 2002.................                     29,789,394.52                   29,547,278.57
June 25, 2002................                     29,588,311.75                   29,369,567.57
July 25, 2002................                     29,368,723.35                   29,166,414.03
August 25, 2002..............                     29,130,722.15                   28,938,101.77
September 25, 2002...........                     28,874,412.94                   28,684,970.96
October 25, 2002.............                     28,599,912.40                   28,407,417.75
November 25, 2002............                     28,307,349.04                   28,105,893.72
December 25, 2002............                     27,996,863.10                   27,780,905.20
January 25, 2003.............                     27,668,606.46                   27,433,012.41
February 25, 2003............                     27,322,742.53                   27,062,828.44
March 25, 2003...............                     26,959,446.13                   26,671,018.04
April 25, 2003...............                     26,578,903.34                   26,258,296.30
May 25, 2003.................                     26,181,311.36                   25,825,427.17
June 25, 2003................                     25,766,878.37                   25,373,221.74
July 25, 2003................                     25,335,823.33                   24,902,536.49
August 25, 2003..............                     24,888,375.80                   24,414,271.35
September 25, 2003...........                     24,424,775.75                   23,909,367.57
October 25, 2003.............                     23,945,273.35                   23,388,805.53
November 25, 2003............                     23,450,128.76                   22,853,602.37
December 25, 2003............                     22,939,611.89                   22,304,809.54
January 25, 2004.............                     22,414,002.16                   21,743,510.19
February 25, 2004............                     21,873,588.24                   21,170,816.51
March 25, 2004...............                     21,318,667.81                   20,587,866.91
April 25, 2004...............                     20,749,547.28                   19,995,823.17
May 25, 2004.................                     20,166,541.49                   19,395,867.48
June 25, 2004................                     19,584,902.25                   18,808,858.63
July 25, 2004................                     19,007,126.24                   18,237,949.15
August 25, 2004..............                     18,433,188.56                   17,682,828.81
September 25, 2004...........                     17,863,064.47                   17,143,192.81
October 25, 2004.............                     17,296,729.39                   16,618,741.68
November 25, 2004............                     16,734,158.90                   16,109,181.20
December 25, 2004............                     16,175,328.73                   15,614,222.29
January 25, 2005.............                     15,620,214.78                   15,133,580.95
February 25, 2005............                     15,068,793.11                   14,666,978.14
March 25, 2005...............                     14,521,039.92                   14,214,139.74
April 25, 2005...............                     13,976,931.58                   13,774,796.43
May 25, 2005.................                     13,436,444.60                   13,348,683.62
June 25, 2005................                     12,899,555.66                   12,935,541.38
July 25, 2005................                     12,366,241.58                   12,535,114.35

                                       -1-

<PAGE>

August 25, 2005..............                    $11,836,479.34                  $12,147,151.66
September 25, 2005...........                     11,310,246.06                   11,771,406.88
October 25, 2005.............                     10,787,519.01                   11,407,637.90
November 25, 2005............                     10,268,275.62                   11,055,606.90
December 25, 2005............                      9,752,493.46                   10,715,080.24
January 25, 2006.............                      9,240,150.24                   10,385,828.43
February 25, 2006............                      8,731,223.83                   10,067,626.02
March 25, 2006...............                      8,225,692.23                    9,760,251.57
April 25, 2006...............                      7,723,533.59                    9,463,487.55
May 25, 2006.................                      7,224,726.20                    9,177,120.28
June 25, 2006................                      6,729,248.50                    8,900,939.87
July 25, 2006................                      6,237,079.06                    8,634,740.17
August 25, 2006..............                      5,748,196.59                    8,378,318.69
September 25, 2006...........                      5,262,579.95                    8,131,476.52
October 25, 2006.............                      4,780,208.14                    7,894,018.29
November 25, 2006............                      4,301,060.28                    7,665,752.14
December 25, 2006............                      3,825,115.63                    7,446,489.61
January 25, 2007.............                      3,352,353.60                    7,236,045.60
February 25, 2007............                      2,908,234.36                    7,068,802.91
March 25, 2007...............                      2,467,212.63                    6,909,756.25
April 25, 2007...............                      2,029,268.31                    6,758,731.62
May 25, 2007.................                      1,594,381.42                    6,615,558.16
June 25, 2007................                      1,162,532.12                    6,480,068.09
July 25, 2007................                        733,700.70                    6,352,096.64
August 25, 2007..............                        307,867.58                    6,231,482.02
September 25, 2007...........                                 0                    6,003,078.68
October 25, 2007.............                                 0                    5,476,809.26
November 25, 2007............                                 0                    4,960,368.98
December 25, 2007............                                 0                    4,453,588.38
January 25, 2008.............                                 0                    3,956,300.85
February 25, 2008............                                 0                    3,486,823.73
March 25, 2008...............                                 0                    3,026,277.70
April 25, 2008...............                                 0                    2,574,506.33
May 25, 2008.................                                 0                    2,131,355.87
June 25, 2008................                                 0                    1,696,675.16
July 25, 2008................                                 0                    1,270,315.62
August 25, 2008..............                                 0                      852,131.17
September 25, 2008...........                                 0                      441,978.23
October 25, 2008.............                                 0                       39,715.66
November 25, 2008............                              0.00                            0.00
December 25, 2008 and                                      0.00                            0.00
thereafter...................

</TABLE>

                                       -2-

<PAGE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00033-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00033-of-00352.parquet"}]]